Digital Wallet Terms and Conditions

Each Digital Wallet is a service provided by the Digital Wallet provider, and not by us. The Digital Wallet provider is responsible for the functionality and operation of the Digital Wallet. We are not liable to you for any loss or damage you suffer as a result of any malfunction, failure or unavailability of a Digital Wallet, or the failure or refusal of any merchant to process payments using a Digital Wallet.

You, and each additional card holder, must take reasonable steps to secure the Supported Device and any PIN or other pass code registered to the Supported Device in the same way as you would your Eligible Card and PIN or other pass code. In the Account terms and conditions, the requirements relating to protecting the Eligible Card and PIN or other pass code, and liability for unauthorised transactions, apply equally to your Supported Device and any PIN or other pass code registered to it, subject to these Terms and Conditions.

Important information about protecting yourself from unauthorised use is included in the Account terms and conditions.

You, and each additional card holder, must:

• ensure that only your, or the additional card holder’s, biometric identifier (e.g. fingerprint) is registered on the Supported Device;
• not allow any other person’s biometric identifier to remain, or be, registered on the Supported Device;
• not share any PIN or other pass code registered to the Supported Device with any person;
• not leave the Supported Device unattended, and lock it when not in use; and
• before disposing of a Supported Device, remove or unlink the Eligible Card from it.

If you, or an additional card holder:

• allow another person’s biometric identifier to remain, or be, registered on the Supported Device; or
• share any PIN or other pass code registered to the Supported Device with any person,
  then you are taken to have authorised that person to carry out transactions using the Supported Device and you will be responsible for their use of the Eligible Card.

You should immediately notify us if:

• a Supported Device is lost or stolen;
• you suspect that any PIN, pass code or other security credential registered to a Supported Device has become known to someone else; or
• you suspect that someone else has used or could use a Supported Device to carry out a transaction on your Account without permission.

You may become liable for any unauthorised transactions if you unreasonably delay notifying us.

If your Supported Device is lost or stolen you should immediately remove or unlink your Eligible Card from the Digital Wallet where possible.

We may provide Digital Wallet service providers and card scheme networks with information for the purpose of operating and generally improving their services. Each party's data collection and handling practices are in accordance with their respective privacy policy (available at their respective website).

We may change these Terms and Conditions at any time and notify you of the changes in accordance with the Account terms and conditions. You agree to us providing notification electronically.

We may suspend or terminate the use of an Eligible Card in a Digital Wallet without notice at any time, including if:

• you, or an additional card holder, breach these Terms and Conditions;
• we suspect an unauthorised transaction has occurred or for other security reasons;
• we are required by a regulatory or government body.

• Account means your account with us to which an Eligible Card is linked.
• Digital Wallet means any digital wallet service provided by a third party including without limitation Apple Pay as provided by Apple Inc, Google Pay as provided by Google Inc, Samsung Pay as provided by Samsung Electronics Co Ltd, Fitbit Pay as provided by Fitbit LLC and Garmin Pay as provided by Garmin Ltd.
• Eligible Card means a debit or credit card issued by us that can be added to a Digital Wallet.
  Supported Device means any device or equipment that can be used to access your Account using a Digital Wallet, and is not given by us e.g. mobile phone, smart watch.
• We, us and our mean QPCU Limited T/A QBANK ABN 79 087 651 036.