Effective 27 September 2018
These Heritage Bank Google Pay Terms and Conditions together with the product terms of your accounts, govern the use of your eligible Heritage Bank card with Google 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 Google Pay on your supported device; or
(ii) allowing an additional cardholder to add their eligible Heritage Bank card to Google Pay on their supported device.
For information on eligible Heritage Bank card and supported devices please visit www.heritage.com.au.
You can add an eligible Heritage Bank card to Google Pay on supported devices. An additional cardholder may also add their eligible Heritage Bank card to Google 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 Google Pay on the supported device; and
(iii)the account is in good standing.
An eligible Heritage Bank card can be unlinked from Google Pay by following the instructions on the Heritage Bank website and/or the Google Pay app. You can also ask us to suspend or close your cards from Google 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 identify 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 Google 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 enter your card PIN into the merchant's terminal or enter your security credentials on supported devices to complete a transaction.
You will be required to manually enter the Heritage Bank card PIN for transactions over $100.
Google Pay is a service provided by Google, not by us. We are not responsible for any loss you suffer in relation to:
Please call us immediately on 13 14 22 if:
Based on your report, we will suspend use of your eligible Heritage Bank card with Google 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:
If you fail to comply with any of the requirements in this clause, you are taken to have authorised others to make transactions using Google 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 straight away if:
You should immediately unlink your eligible Heritage Bank card from Google Pay if your supported device is stolen or lost. Instructions to unlink your card are available on our website and/or the Google Pay App or you can call our contact centre on 13 14 22.
We may suspend or terminate use of your eligible Heritage Bank card with Google Pay without notice at any time, including:
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):
We may also exchange information with Google and service providers:
By adding an eligible Heritage Bank card to Google Pay or allowing an additional cardholder to add their eligible Heritage Bank card to Google 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.
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 Google 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 Google Pay|
|Google Pay App||means the mobile application provided by Google for use on your supported device|
|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|
- for debit cards, the Guide to Heritage Deposit Products;
-for personal Visa accounts: the Card Details issued to you by us; the Guide to Heritage Credit Card Products; and the Fees and Limits Guide;
-for line of credit facilities:the Specific Particulars issued to you by us; the Lending Terms and Conditions; and the Fees and Limits Guide;
-for business Visa accounts: the letter of offer or Specific Particulars issued to you by us;each other document specified in the letter of offer or Specific Particulars; the Guide to Heritage Credit Card Products; and the Fees and Limits Guide.
|GarminPay App||means the mobile application provided by Garmin 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 Bank Limited ABN 32 087 652 024|
|you or your||means the person who holds the card that is used for Google Pay