Effective 01 January 2024
These Heritage Bank Samsung Pay Terms and Conditions together with the product terms of your accounts, govern the use of your eligible Heritage Bank card with Samsung Pay. Where inconsistent with the relevant product terms, these terms apply.
You agree to these Terms and Conditions by:
(i) adding an eligible Heritage Bank card to Samsung Pay on your supported device; or
(ii) allowing an additional cardholder to add their eligible Heritage Bank card to Samsung Pay on their supported device.
For information on eligible Heritage Bank card and supported devices please visit www.heritage.com.au.
For information supported devices please visit https://www.samsung.com/au/apps/samsungpay/.
You can add an eligible Heritage Bank card to Samsung Pay on supported devices. An additional cardholder may also add their eligible Heritage Bank card to Samsung Pay on their supported device provided that:
(i) you or the additional cardholder are verified when adding a card;
(ii) if the person adding the card is not the sole account holder, each account holder of that account has agreed to the eligible Heritage Bank card being added to Samsung Pay on the supported device; and
(iii) the account is in good standing.
An eligible Heritage Bank card can be unlinked from Samsung Pay by following the instructions on the Heritage Bank website and/or the Samsung Pay app. You can also ask us to suspend or close your cards from Samsung Pay by calling us on 13 14 22 or visiting any of our branches.
As part of the process we will either send you a text message (to the mobile phone number you have registered with us) with a verification code or have you verify your identity via our Contact Centre. You should ensure that Heritage Bank has your correct mobile number in order to receive the verification code via text message.
Once you have added your card to Samsung Pay and been verified, you may authorise and process transactions by using the relevant supported device in place of an eligible Heritage Bank card at a contactless payment terminal. Each transaction is not to exceed the daily limits of the card as set out in the Fees and Limits guide. In some cases, you may temporarily exceed this limit, for example where systems are unavailable. You may be required to utilise your device verification method (eg. password or biometric identifier) to authorise your payment.
Samsung Pay allows you to select how your transactions are processed. Your options are:
(i) By Visa, which will pledge the amount as an authorisation on your account until the transaction is processed.
(ii) By EFTPOS, which will debit your account immediately.
Fees and charges may apply – see the Fees and Limits guide.
For complaint resolution refer to the Complaints section the appropriate Product Guide.
Samsung Pay is a service provided by Samsung, not by us. Except to the extent caused by our fraud, negligence or wilful misconduct (or that of our officers, employees, agents or contractors), we are not responsible for any loss you suffer in relation to:
(i) your fraud;
(ii) your use of Samsung Pay or the supported device in a manner not permitted by Samsung (for example, by obtaining root access of the operating system allowing customisation to your supported device);
(iii) subject to your rights under the ePayments Code, a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers);
(iv) any error, defect or unavailability of Samsung Pay; or
(v) any failure or refusal of merchants to process transactions using Samsung Pay.
Please call us promptly on 13 14 22 if:
(i) your supported device is lost or stolen;
(ii) your supported device's mobile service is suddenly disconnected without your permission (which may indicate you have been subject to mobile phone porting); or
(iii) you suspect a security breach in relation to your supported device or Samsung Pay or that an unauthorised person has used your passcode, PIN of an eligible Heritage Bank card or your other credentials to access Samsung Pay.
Based on your report, we will suspend use of your eligible Heritage Bank card with Samsung Pay. This helps protect you as much as possible from additional loss or liability.
We warrant that we will comply with the ePayments Code. Your liability for unauthorised transactions will be determined in accordance to the ePayments Code. More terms which affect your liability in relation to transactions are set out in the relevant product terms.
You must take steps to secure your supported device on which your eligible Heritage Bank card has been registered.
You are responsible for ensuring that:
(i) any password of your supported device is kept secret and secure, not easily guessed or deciphered (e.g. your date of birth), and not shared with another person (and if known by another person, the passcode must be changed);
(ii) your biometric identifier (e.g. fingerprint) is the only biometric identifier registered on your supported device (and any other person's biometric identifier registered on your device must be removed);
(iii) your supported device is not left unattended, is locked when not in use, and up-to-date antivirus software is installed on it; and
(iv) any eligible Heritage Bank cards are unlinked/removed from your supported device before disposing of it.
If you fail to comply with any of the requirements in this clause, you are taken to have authorised others to make transactions using Samsung Pay and you are responsible for their use of your eligible Heritage Bank card.
WARNING: this could result in significant loss or liability in relation to such transactions.
You should check your transaction history regularly to make sure there are no errors or unauthorised transactions.
You and any additional cardholder must tell us promptly if:
(i) an eligible Heritage Bank card or device has been lost or stolen; or
(ii) you or they suspect someone else has used your account without your permission or may have access to your supported device or know your security credentials or eligible Heritage Bank card PIN.
You should immediately unlink your eligible Heritage Bank card from Samsung Pay if your supported device is stolen or lost. Instructions to unlink your card are available on our website and/or the Samsung Pay App or you can call our Contact Centre on 13 14 22.
The product terms describe the fees and charges which apply to each relevant Card. We do not impose any additional fees and charges for registering and using your eligible Heritage Bank card with Samsung Pay. However, you will need to pay any third party fees and charges associated with downloading, registering and using the Samsung Pay on a supported device.
We may suspend or terminate use of your eligible Heritage Bank card with Samsung Pay without notice at any time:
(i) if you ask us to suspend or close the eligible Heritage Bank account that the card is linked to;
(ii) if your eligible Heritage Bank card is cancelled, blocked or suspended;
(iii) if you breach your account Terms and Conditions;
(iv) if either you or the additional cardholder breach these Terms and Conditions;
(v) if we suspect unauthorised transactions have occurred;
(vi) if required by applicable laws (such as anti-money laundering and counter-terrorism financing laws, or sanctions laws);
(vii) if directed to do so by Samsung or by Visa (for example, in circumstances of suspected fraud);
(viii) if we are required by a regulatory or government body; or
(ix) for security reasons; or
(x) if we have reasonable grounds to believe that there is a material risk of loss to you or us.
However, unless there are exceptional circumstances (e.g. fraud or criminal activity),we will give you at least 14 days advance notice before suspending or terminating your use of your eligible Heritage Bank card with Samsung Pay.
We may collect information relating to your supported device (including app version, device type and model, operating system and security information such as whether you have obtained root access):
(i) to ensure that your eligible Heritage Bank card properly functions in Samsung Pay;
(ii) for security purposes and to identify fraud;
(iii) so that we may better provide assistance to you; and
(iv) to tell you about other products or services that may be of interest to you.
We may also exchange information with Samsung and service providers:
(i) to enable the use of the eligible Heritage Bank card with Samsung Pay and to improve Samsung Pay generally; and
(ii) about persons involved in suspected security breaches or fraud.
By adding an eligible Heritage Bank card to Samsung Pay or allowing an additional cardholder to add their eligible Heritage Bank card to Samsung Pay on their supported device, you consent to our collection and disclosure of this information as described in this clause 8.
If you do not want to receive marketing information, phone 13 14 22.
The product terms and our privacy policy contain more general information about our collection and handling of your information.
Once an eligible Heritage Bank card is registered to your supported device, Samsung may access your personal information regarding the use of that eligible Heritage Bank card through Samsung Pay. Please see Samsung's privacy policy at http://www.samsung.com./au/info/privacy/
We can make changes to these Terms and Conditions at any time for one or more of the following reasons:
- to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
- to reflect any decision of a court, ombudsman or regulator;
- to reflect a change in our systems or procedures, including for security reasons;
- to comply with any scheme (such as Visa or eftpos) or wallet provider change;
- to respond to changes in the cost of facilitating the use of your eligible Heritage Bank Card with Samsung Pay; or
- to make these Terms & Conditions clearer or to add features,
but will only do so in order to protect our legitimate business interests, and only to the extent reasonably required to do this. We will notify you of any material changes no later than the day it takes effect, or such longer period as may be required by law, by electronic notice to you via your device or Samsung Pay in accordance with the product terms. Where the change is adverse to you, we will notify you at least 30 days before the effective date of the change. Due to the nature of Samsung Pay you agree to us communicating with you electronically in relation to your use of Samsung Pay and these conditions. We may require you to confirm your acceptance of changes to continue using your eligible Heritage Bank card in Samsung Pay.
Without limiting any other means of communicating with you under the relevant product terms, we may communicate with you by sending an SMS to your supported device, an email to the email address you have provided to us or by writing to you at the address you have provided to us. The SMS or notice may include a link to detailed information on our website.
If any provision or part of a provision of these Terms and Conditions is illegal, invalid or unenforceable, it will be severed from these Terms and Conditions and the remaining provisions (or parts of provisions) will continue in full force and effect.
These terms are governed by the law of Queensland, Australia and both parties agree to submit to the exclusive jurisdiction of the courts of that State.
| cardholder | a person that holds an eligible Heritage Bank card |
| eligible Heritage Bank card | means a compatible debit or credit card that can be used for Samsung Pay on a supported device that has been issued by Heritage Bank to you. You will be notified if your card is eligible when you attempt to register it with Samsung Pay |
| Heritage Bank App | means the mobile application provided by us for use on your supported device |
| password | means any password or code either we or a third-party gives a user, or that a user creates, that must be used before we, or a third-party, process a transaction. This includes PINs, internet, phone or mobile banking passwords, and codes generated by security token |
| product terms |
means:
|
| Samsung Pay App | means the mobile application provided by Samsung for use on your supported device. |
| security credentials | means any personal identification number, password, biometric identifier or other measure used to ensure the security of your supported device |
| supported device | is any equipment or device used to access your account, including a mobile phone or wearable device e.g. smartwatch, that is not given to you by us |
| Terms and Conditions | means these terms and conditions |
| we, us, our or Heritage Bank | means Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125 |
| you or your | means the person who holds the card that is used for Samsung Pay |