Digital Wallet Terms of Use

These Terms apply to the use by you of a Card in a Digital Wallet, including through eligible online digital wallet functionality such as Visa Click to Pay where made available by us.

“Digital Wallet” includes mobile wallets and eligible online payment functionality that store or tokenise eligible Cards for payment transactions, including Apple Pay, Google Pay, Samsung Wallet and Visa Click to Pay where approved by Police Bank.

“Click to Pay” means the secure online payment functionality made available through Visa and participating merchants which enables cardholders to make online purchases using stored or tokenised eligible card details without manually entering card details each time.

By registering a Card in a Digital Wallet, you agree to these terms.

Card Terms and Conditions

The Access Methods and/or Visa Credit Card Terms and Conditions (“Card Terms and Conditions”) apply to any use by you of your Card in a Digital Wallet.
To the extent of any discrepancy, the Card Terms and Conditions take precedence over these terms.
You may also have additional terms issued by your Digital Wallet Provider or your telecommunications service provider which you are required to comply with.

Your Responsibilities to Keep Your Card Secure and Notify Us of Errors or Fraud

You agree to protect and keep confidential your User ID, phone lock passcode, passwords, and all other information required for you to make purchases with your Card using the Wallet.
Always protect your passcode by using a unique number or pattern that is not obvious or can be easily guessed. Take precautions when using your Digital Wallet. Try to memorise your passcode or carefully disguise it. Never keep a record of your passcode with your device, on your device or computer, or tell anyone your passcode.
If your Device has been lost or stolen, or you believe your security credentials have been compromised, you must report this to us immediately. The Card Terms and Conditions require you to contact us immediately if you believe there are errors or if you suspect fraud with your Card. This includes any fraud associated with a Digital Wallet.
We will not be liable for any losses you incur except as specifically described in the Card Terms and Conditions or as otherwise provided by law.

Using a Digital Wallet

Registration of the Card into a Digital Wallet is subject to us identifying and verifying you, and is at the discretion of Police Bank.
Police Bank does not make any guarantees that the Digital Wallet will be accepted at all merchants.
Police Bank is not the provider of the Digital Wallet and is not responsible for its use and function. You should contact the Digital Wallet Provider’s customer service if you have questions concerning how to use the Digital Wallet or problems with the Digital Wallet.
We are not liable for any loss, injury or inconvenience you suffer as a result of a merchant refusing to accept the Digital Wallet.

A Digital Wallet may also include eligible online checkout functionality, including Visa Click to Pay, where this service is made available by us for an eligible Card.

Visa Click to Pay may allow you to make online purchases through participating merchants, applications, browsers or websites using stored or tokenised card credentials.

Registration and use of Click to Pay may require identity verification, authentication steps, one-time passcodes, device recognition or other security measures.

Tokenisation

When you register a Card in a Digital Wallet or Click to Pay service, your Card details may be replaced with a unique digital token. This token may be used to process transactions instead of your physical card number.

Police Bank, Visa and service providers may use tokenisation technologies to improve payment security and reduce fraud risk.

Security Obligations

You must take reasonable steps to protect any device, browser, email account, login credential, passcode or authentication method used in connection with a Digital Wallet, including Click to Pay.

You must not allow another person to access your authenticated browser sessions, one-time passcodes, email account or other authentication methods associated with Click to Pay.

Liability and Fraud

Your liability for unauthorised transactions will be determined in accordance with the applicable Card Terms and Conditions of use, the ePayments Code and applicable law.

While Police Bank uses security measures to protect transactions, we are not responsible for losses arising solely from the acts or omissions of third-party Digital Wallet or Click to Pay providers except where liability cannot be excluded by law.

Privacy and Information Sharing

We may share information with Visa, token service providers, Digital Wallet providers, Click to Pay operators, merchants and fraud prevention service providers to authenticate you, enable transactions, manage tokens, prevent fraud, comply with regulatory obligations and support dispute resolution.

Information may be stored or processed outside Australia in accordance with applicable privacy laws and our Privacy Policy.

Eligible Cards and Availability

Only eligible Police Bank cards designated by us may be used in a Digital Wallet, including Click to Pay.

Click to Pay is currently available only for eligible Visa cards designated by us.

Availability of Digital Wallet services, including Click to Pay, may vary depending on the merchant, browser, device, operating system or other third-party requirements.

Applicable Fees

There are no transaction fees for using your Card in a Digital Wallet.
All applicable account fees still apply.
There may be charges from your telecommunications provider.

Suspension or Removal of a Card from a Digital Wallet by us

We can block you from adding an otherwise eligible Card to the Digital Wallet, suspend your ability to use a Card to make purchases using the Digital Wallet, or cancel entirely your ability to continue to use a Card in the Digital Wallet. We may take these actions at any time and for any reason, such as if we suspect fraud with your Card, if you have an overdue or negative balance on your Card account, if applicable laws change or if directed to do so by the Digital Wallet Provider or the applicable card scheme.
We may suspend or remove your Card from a Digital Wallet, including Click to Pay, where we reasonably suspect fraud, unauthorised use, security compromise, token compromise, cybersecurity risk, or where required by Visa or applicable law.
We may also cease supporting the use of Cards in Digital Wallets at any time.

Suspension or Removal of a Card from a Digital Wallet by you

You may remove a Card from the Digital Wallet by following the Digital Wallet Provider’s procedures for removal.

Devices with same Digital Wallet provider Account

If you add a Card to one of your Devices and have other Devices sharing the same account (“Other Devices”), this may permit the Card to be added to the Other Devices and permit users of the Other Devices to see Card information. Please contact your Digital Wallet provider for more information.

Your Information

You agree that we may exchange information about you with the Digital Wallet Provider and the applicable card scheme (such as Visa) to facilitate any purchase you initiate using a Card registered in a Digital Wallet.
By registering your Card in a Digital Wallet, you are providing consent for your information to be shared with these parties. Please refer to the Privacy Policy that applies to the Digital Wallet provider for information about information collected and its use.
We may also share your information to make available to you in the Digital Wallet information about your Card transactions, or to assist the Digital Wallet Provider in improving the Digital Wallet. We are not responsible for any loss, injury or other harm you suffer in connection with the Digital Wallet Provider’s use of your information.
If you do not wish us to exchange this information you should not register a Police Bank or Border Bank Credit or Debit Card in a Digital Wallet.

You Agree to Allow Us to Contact You Electronically

You acknowledge that we may contact you electronically (for example via sms, email, notifications in app), and that this is considered written notice for the purpose of these terms.

We May Amend These Terms at Any Time

We may amend these Terms from time to time. Where required by law or the Banking Code of Practice, we will provide notice of material changes within the applicable notice period.
We will notify you by a News Article published on the Police Bank and Border Bank websites of any changes to these Terms.
You agree to any such amendments by continuing to keep a Card in the Digital Wallet.