1. Agreement to these Terms and Conditions
1.1. You agree that you accept these Qudos Bank Google Pay Terms and Conditions by adding a Qudos Bank Card to Google Pay on an eligible Android Device or within your Google Account settings.
1.2 These Qudos Bank Google Pay Terms and Conditions, the Qudos Bank Mobile and Tablet App Terms and Conditions, together with the Terms and Conditions of your accounts and Qudos Bank’s Terms and Conditions for Savings Accounts and Payment Services, govern your use of your eligible Qudos Bank card with the Google Pay (together referred to as “Terms and Conditions”).
2. Google Pay provided by Google
2.1. Google Pay is provided by Google, not by Qudos Bank. Qudos Bank is not liable for the use, functionality or availability of Google Pay, any Android Device or any disruption caused from the availability of contactless merchant terminals or reduced service levels caused by the failure of telecommunications networks.
2.2. You must agree to Google’s terms and conditions in order to register and use Google Pay.
3. Using your Qudos Bank Card with Google Pay
3.1. You can add a Qudos Bank Card to Google Pay on an Android Device or within your Google Account settings. However, you can only activate the contactless option for Google Pay on your Android Device. If you are an additional cardholder, you may add your Qudos Bank Card to Google Pay. Any references to "you" or "your" in these Qudos Bank Google Pay Terms and Conditions means the person who holds the Qudos Bank Card that is used for Google Pay, including additional cardholder.
3.2. You must be verified when adding a Qudos Bank Card. As part of the process through Google Pay/your Google Account, we will send you a text message to your mobile with a verification code. You should ensure that Qudos Bank has your correct mobile number in order to receive the verification code via text message (you may also call our Contact Centre on 1300 747 747 for verification). We also require a current email address to send the welcome notification. If you do not have a valid mobile and email registered with us (or have had these details registered for less than 30 days), you may also call our Contact Centre on 1300 747 747 for verification and Card provisioning. If we cannot properly verify you or if we suspect that there may be attempted fraud, we may decline the request to add your Qudos Bank Card to Google Pay.
3.3. Once your Qudos Bank Card is registered with Google Pay, you can use your Android Device to authorise transactions on the linked account. You can make in-app purchases and purchases at participating merchant’s websites using your Qudos Bank Card through Google Pay on any supported device. You are only restricted to using your eligible Android Device for in-store payments using ‘tap & pay’.
3.4. You need to select Google Pay as the default 'tap & pay' application on your Android Device's settings to transact using Google Pay on your Android Device. In addition, if you have multiple cards linked to Google Pay and would like your Qudos Bank Card to be the default card for your transactions, you can do this within your Google Account settings or within Google Pay app. Please refer to Google support materials for further details. If Google Pay is the default 'tap & pay' application on your Android Device's settings, you may only be able to pay using Google Pay despite another 'tap & pay' application being open at the time you tap your Android Device at the contactless terminal.
3.5. Depending on the dollar value of the transaction:
3.6. The transaction limits that apply to your Qudos Bank Card do not change as a result of your adding your Card to Google Pay.
3.7. Google Pay may not be accepted outside of Australia, or at all places where your Qudos Bank Card is accepted.
3.8. Google Pay will only work for a limited number of transactions when the Android Device is not within range of a cellular or wireless internet connection.
4.1. Qudos Bank may suspend or terminate use of your Qudos Bank Card with Google Pay without notice at any time, including if:
4.2. You may remove your Qudos Bank Card from Google Pay by following the instructions provided on your device by Google.
5. Applicable Fees and Charges
5.1. Qudos Bank does not charge any additional fees for adding or using a Qudos Bank Card with Google Pay.
5.2. All applicable fees relating to your Account as specified in the Terms and Conditions and our Fees and Charges Guide still apply.
5.3. By using Google Pay, you may incur third party charges such as carrier or mobile data charges, which you are responsible for.
6. Data Collection and Privacy
6.1. By using Google Pay, you agree that:
6.2. If you don't want us to collect or disclose this information, you should not register a Qudos Bank Card for use in Google Pay.
7. Qudos Bank’s Liability
7.1. Qudos Bank will not be liable for any loss arising from your use of Google Pay to the extent the loss was caused by:
8. Security and Associated Liability
8.1. If your Qudos Bank Card is registered for Google Pay on an eligible Android Device, it is your responsibility to ensure that:
8.2. You must notify us immediately if:
8.3. Your liability for losses arising from an unauthorised transaction will be determined under the ePayments Code (refer to clause 5 to clause 9 of the e-Conditions Content of the Terms and Conditions for Savings Accounts and Payment Services).
8.4. You should immediately lock your phone using Google's Find My device feature if your Android Device is stolen or lost. If you are not able to lock your phone using this feature, please call us on 1300 747 747.
8.5. It may be possible to make transactions using Google Pay after deleting or uninstalling the Google Pay application on an Android Device. If you no longer wish to use a Qudos Bank Card with Google Pay, you should remove the Card from Google Pay prior to deleting/uninstalling the Google Pay application on your Android Device.
8.6. Your Qudos Bank Card may also be removed from Google Pay where the Android Device has not connected to Google's servers for at least 90 days.
9. Changes to these Terms and Conditions
9.1. We can make changes to these Terms and Conditions at any time. We will notify you of any material changes via the Google Pay App, Qudos Bank app, SMS, email, statement message, newspaper advertisement or other appropriate means.
9.2. We may require you to confirm your acceptance of changes to continue using your eligible Qudos Bank Card in Google Pay.
10.1. Google, Google Pay and associated logos are trademarks of Google Inc.
10.2. eftpos logo is a registered trademark of eftpos Payments Australia Limited ABN 37 136 180 366.
11.1. The following definitions apply within these Terms & Conditions:
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