STC PAY PAYMENT CARDS TERMS AND CONDITIONS

 

ANNEX 1

PART ONE
STC PAY PAYMENT CARDS TERMS AND CONDITIONS

Pursuant to Section 7 of Your Agreement, STC Pay will, upon the availability of the service, automatically issue for you a physical payment card (“Physical Payment Card”) linked directly to Your Wallet Account. You may as well request that we issue to you a virtual payment card linked directly to Your Wallet Account (“Virtual Payment Card”, each of the Virtual Payment Card and the Physical Payment Card may be referred to as a “Payment Card”) pursuant to the terms below.

The provisions of the Agreement and these STC Pay Payment Cards Terms and Conditions (the “Payment Cards Terms”), which form an integral part of Your Agreement, shall apply to Your use of the Payment Cards. Before You use Your Payment Card, please carefully read these Payment Cards Terms.

1. APPLICATION AND ACTIVATION YOUR PAYMENT CARD

1.1 The Payment Cards are issued by Us. Subject to having a valid and active Wallet Account, We will automatically issue for You a Physical Payment Card. On receipt of the Physical Payment Card, You shall immediately sign the Physical Payment Card in the signature section located on the reverse of the Physical Payment Card.

1.2 If You are a first time cardholder of a payment card, We will provide You with access to free credit advisory services relating to the Payment Cards, such as financial education and awareness, before activation of the Payment Cards is completed in accordance with these Payment Cards Terms.

1.3 You can activate Your Physical Payment Card by logging in to Your Wallet Account and entering the last four (4) digits of Your Physical Payment Card.

1.4 You may request a Virtual Payment Card by contacting STC Pay as mentioned under Section 2.2 of Your Agreement. Upon obtaining the same, You may activate Your Virtual Payment Card by logging in to Your Wallet Account and creating a personal identification number (PIN).

2. PERIOD OF VALIDITY OF THE PAYMENT CARDS

2.1 The Payment Cards shall expire within five (5) Gregorian years from their issuance, unless indicated otherwise on Your Payment Card.

3. SUPPLEMENTAL CARDS

3.1 We may, pursuant to Your request, issue supplementary Payment Card(s) (“Supplementary Payment Cards”) linked to Your Wallet Account or Your Supplemental Wallet Account, if any. These Payment Cards Terms shall apply to the use of any Supplementary Payment Card(s) and the term “Payment Card” shall whenever applicable include reference to such Supplementary Payment Card(s).

3.2 You, as the primary cardholder, shall be liable for all liabilities incurred under the Supplementary Payment Card, including any outstanding and or unpaid balances.

3.3 In addition to Our other rights and powers under the Agreement, We may cancel any Supplementary Payment Card(s) at any time, and seek the return of Supplementary Payment Card(s) issued to the identified cardholder.

4. YOUR CANCELLATION RIGHT AND TERMINATION

4.1 You have the right to cancel a Payment Card without charge. For avoidance of doubt, in the event of any Payment Card cancellation by You (whether early or otherwise), any fees charged for the issuance of a Payment Card will remain non-refundable.

4.2 You have the option to cancel a Payment Card at any time provided You notify Us in accordance with section 2.2 of the Agreement.

4.3 We may terminate these Payment Cards Terms and accordingly cancel the Payment Cards by providing You with thirty (30) calendar days prior notice at any time. We will provide You with a notice specifying the reason for such termination.

4.4 On termination of these Payment Cards Terms, all existing amounts owed by You shall become due and payable to Us.

4.5 Where You become bankrupt or insolvent, all existing amounts outstanding on the Payment Cards shall become due and payable immediately under these Payment Cards Terms and any holders of a Supplementary Payment Card must immediately stop using the Supplementary Payment Cards and return these to Us.

4.6 You may cancel a Supplementary Payment Card by giving a written notice to us in accordance with section 2.2 of the Agreement and You shall return the Supplementary Payment Cards to Us. These Payment Cards Terms shall remain in force in relation to the cancelled Supplementary Payment Cards until the amounts due on all Supplementary Payment Card transactions are paid to Us.

4.7 If You fail to comply with these Payment Cards Terms, We may terminate these Payment Cards Terms and You will be required to pay all outstanding amounts owed to Us. You will be responsible for all expenses, fees and costs incurred by Us, including legal fees incurred in obtaining payment from You.

5. REPLACEMENT CARDS

5.1 We may issue You with a new Payment Card in the following circumstances:

5.1.1 You have reported the Physical Payment Card as lost, stolen or destroyed; or

5.1.2 the Payment Card has been invalidated on the suspicion of a fraud or a suspicious transaction; or

5.1.3 Your Virtual Payment Card is accessed or use by someone other than You without Your fault; or

5.1.4 the validity period of the Payment Card as set out in section 2.1 of these Payment Cards Terms is due to expire; or

5.1.5 as a result of technical, operational or technological enhancements (including system enhancements); or

5.1.6 in order to comply with any applicable laws, requirements or regulations in the Kingdom of Saudi Arabia.

5.2 In the event that Your Physical Payment Card is lost, stolen or destroyed, You shall notify Us immediately by contacting Us in accordance with section 2.2 of the Agreement. You shall be responsible for any transactions made on the Payment Cards before We receive notice in accordance with this section reporting the loss, theft or destruction of the Payment Cards.

5.3 If Your Payment Card is subject to unauthorised access or use by a third party, You shall notify Us immediately by contacting Us in accordance with section 2.2 of the Agreement. You shall be responsible for any transactions made on the Payment Card before We receive notice in accordance with this section reporting the unauthorised use or access to Your Payment Card.

5.4 You shall have the right to accept or reject the replacement Payment Card issued to You in accordance with section 5.1 of these Payment Cards Terms provided that You will have been deemed to have given Your consent where:

5.4.1 You do not expressly object to the new Payment Card within two (2) weeks from the date of issue of the replacement Payment Card; or

5.4.2 You activate the Payment Card as required by Us or otherwise use Your replacement Payment Card to undertake transactions in Your Wallet Account.

6. YOUR RESPOSNIBILITIES

6.1 You will not permit any other person to use the Payment Cards and will at all times safeguard the Payment Cards and any personal identification number issued, and keep it under Your personal control.

6.2 You must notify Us immediately if You become aware of any disclosure of or access to Your Payment Card by any third party.

6.3 You are required to keep Your contact details up-to-date and shall immediately notify Us of any change in Your contact details by contacting Us in accordance with section 2.2 of the Agreement.

6.4 We shall not be responsible for any provider that refuses to accept the Payment Cards. We shall not be in any manner responsible for the goods or services that are provided to You and You must contact the provider directly to resolve any issues with goods or services provided to You by a provider.

6.5 You are not permitted to use the Payment Cards for any illegal purpose, including the purchase of goods or services that are prohibited under the laws of the Kingdom of Saudi Arabia. If You use the Payment Cards for an illegal purpose, We shall have the right to cancel the Payment Cards and any Supplementary Cards and You must pay all outstanding amounts immediately.

6.6 You shall not exceed the payment limit set by Us as described in section 7 below.

7. PAYMENT CARD LIMIT AND PAYMENT TRASNACTIONS

7.1 The limit of payments of all Payment Cards linked to Your Wallet Account shall be the Available Balance of Your Wallet Account, and You shall comply with this limit at all times. This limit is subject to change from time to time at our sole discretion. You can always check Your Available Balance by logging in to Your Wallet Account.

7.2 You will be able to access statements and summaries of transactions relating to Your Payment Card(s) via the App.

7.3 At carrying out any transaction using Your Payment Card, we will charge such amounts by automatically debiting Your Wallet Account for each transaction.

7.3.1 Freeze Your Wallet Account and Payment Cards and treat them as a delinquent accounts;

7.3.2 offer credit advisory services (regarding how to deal with financial difficulties) free of charge to You; and

7.3.3 work towards a mediated settlement before taking any further action against You.

7.4 You acknowledge and agree that not receiving the account statement does not excuse You of Your obligation to make payment of the amounts due on Your Payment Cards to Us. You can find out the due amounts on the Payment Card by accessing Your Wallet Account through the App. In the event you disagree with any amount charged to Your Payment Card as indicated in the statement, You must communicate the same to Us as per Section 2.2 of Your Agreement within 30 days of showing such transaction on the statement, failing which, We will not be responsible if the transaction concerning such issue is not successfully disputed with the transaction processing bank or the biller.

8. FEES AND CHARGES

8.1 You shall pay the non-refundable annual fee, if any, upgrades and any charges for additional services based on the fees that are displayed through the App or in such other agreed communication methods as per section 2.2 of Your Agreement. Such fees and charges will be debited directly from Your Wallet Account.

8.2 We reserve the right to amend our charges and fees or any other term under this Agreement from time to time, at our discretion. Any such variations or amendments will become effective and binding on You within 30 days from notifying You (unless we expressly mention a longer period) by any means We deem fit. Your use of the Payment Card after the date upon which any change to these Payment Cards Terms is to have effect will constitute Your unconditional acceptance of such change(s).

8.3 Where You do not wish to accept the amendments or changes in the charges and/or fees notified by Us in accordance with section 8.2 of these Payment Cards Terms above, You may terminate these Payment Cards Terms in accordance with section 10.2 of these Payment Cards Terms below.

8.4 International Transactions: The value of all transactions made via Your Payment Card will be charged to Your Wallet Account in the currency of Your Wallet Account as advised by Us. Such Payment Cards transactions that are effected in currencies other than the currency of Your Wallet Account will be debited to Your Wallet Account after conversion into Your Wallet Account’s currency at a rate of exchange to be determined by Us from time to time. All transactions that are conducted or contracted in currencies other than US Dollar will first be settled in US Dollar and then converted to and settled in the currency of Your Wallet Account.

9. DISPUTED TRANSACTIONS

9.1 Your liability for unauthorized use of Payment Cards shall be limited by the following:

9.1.1 Where the unauthorized use: (i) of Your Physical Payment Card is due to loss or theft of the Physical Online Cards or (ii) of Your Virtual Payment Card is due to unauthorized use or access of Your Virtual Payment Card by a third party, Your maximum liability prior to You reporting the loss or theft to Us shall not exceed Your Available Balance or the amount of unauthorized transactions posted to Your Wallet Account whichever is lower at the time of such loss or theft; and

9.1.2 You shall have no liability for any unauthorized transactions made by the use of the Payment Cards after reporting it to Us if the following conditions were met:

(a) You notified us immediately and without delay in accordance with section 5.2 or 5.3 (as applicable) of these Payment Cards Terms; and

(b) You exercised vigilant care in safeguarding the Payment Cards from risk of loss, theft or unauthorized use.

9.2 Where You inform us of unauthorized charges on Your Payment Cards, We shall ensure appropriate investigations are carried out to determine responsibility and liability. You must provide the necessary information and documentation to assist in the investigations as may be requested by Us. We will provide You with a reference or transaction number at the time of the report of loss, theft or unauthorized usage of the Payment Cards.

9.3 After Our receipt of a notification of loss or theft of a Payment Card, We will block the Payment Card. You will thereafter have no further liability provided that You have acted in good faith and with all reasonable care and diligence in safeguarding the Payment Card unless it has been proven to Us that You acted in bad faith. In case You recover the Payment Card, You shall report the matter to Us and the police and immediately hand over the recovered Payment Card to any of Our support centers in the country for destruction. You must not make any attempt to use that Payment Card that has been reported as lost or stolen.

9.4 The authorization and indemnity under this section shall remain in full force and effect unless and until We receive, and have had a reasonable time to act upon, notice of termination from You in accordance with the terms herein, save that such termination will not release You from any liability under this authorization and indemnity in respect of any act performed prior to the expiry of such time.

9.5 Your failure to sign any sales slip or mail order coupon will not relieve You from liability to Us in respect of the sales and mail orders. You have the objection right against any amount charged on the Payment Card as mentioned above.

9.6 We shall not be responsible for any loss or damage arising directly or indirectly from any malfunction/failure of the Payment Card arising out of Your mistake, the insufficiency of funds or any other reason either within or beyond Our control unless such direct and actual loss or damage occurs as a result of Our negligence.

10. CASHBACK
10.1 From time to time, We may at Our sole discretion announce cashback programs (each, a “Program”) on certain transactions made via Your Payment Cards or via certain types of Payment Cards (each, a “Qualifying Transaction”). We at Our sole discretion may not enable cashback for transactions on selected categories of Merchants.

10.2 The terms of this section will automatically apply to such Programs in addition to the specificities of the Program that we may announce from time to time.

Qualifying Transactions
10.3 Qualifying Transactions that we may specify for each Program do not include charges, Payment Card fees (if applicable), transactions that are reversed by Merchants, foreign currency, money orders, interest, unauthorized or fraudulent transactions, or Wallet Account charges of any kind (as applicable).

10.4 Cashback will not be paid on transactions that You subsequently cancel or return for a refund.
10.5 We at Our sole discretion may from time to time change the method for receiving cashback for a Qualifying Transaction.
Payment of cashback
10.6 Cashback will be earned automatically at the amount or rate that we specify for each Program, and is provided by Us without impacting any other offers provided by the Merchant.
10.7 In accordance with the then current Program, We will pay You any cashback earned on your Qualifying Transactions by crediting Your Current Balance of Your Wallet Account within thirty (30) days from the date of the relevant Qualifying Transaction, provided that Your Wallet Account is valid and active. The cashback earned will be reflected on Your statement available through the App.
10.8 Because cashback is paid within thirty (30) days from a Qualifying Transaction, if You close Your Wallet Account or Your Payment Card is cancelled before a cashback is credited, You will lose any cashback that has been earned but not yet added to Your Current Balance. In the event Your Payment Card is blocked or suspended for any reason whatsoever, then cashback accumulated will be forfeited but may be reinstated, at Our sole discretion.
10.9 Any Qualifying Transactions that are refunded to Your Payment Card will not be eligible for cashback and any corresponding cashback credit will be cancelled or reversed (as the case may be). If such reversal of cashback generates a negative cashback amount, we will debit such outstanding amount from Your Wallet Account.

Cashback conditions
10.10 Cashback payments credited to Your Payment Card will not count towards your payment of the transaction for which cashback has been earned, and We will continue to charge Your Wallet Account in accordance with these Payment Cards Terms.
10.11 Cashback that is earned on any Supplementary Payment Card will be credited to the Wallet Account to which the primary Payment Card is linked.
10.12 Cashback is not transferable by operation of law or otherwise to any other person or entity. Cashback is an accrual payable solely at Our discretion; it is not a balance which may be transferred to any other person or entity. Cashback is not exchangeable for other rewards, or refundable, replaceable, or transferable under any circumstances.
10.13 Cashback has a monetary value; it can be redeemed only as a credit to Your Wallet Account. When credited, the equivalent value will reflect as a credit to the Wallet Account in the same manner as any other repayment.
10.14 We reserve the right not to credit any cashback earned or wipe off any cashback accumulated on Your Payment Card if You misuse Your Payment Card or Wallet Account.

Stopping or changing a Program or cashback payments
10.15 We can amend the terms of this section or remove Your ability to earn cashback at any time. We will inform you if we do this, in accordance with the notification terms in Your Agreement.

11. GENERAL
11.1 You may terminate these Payment Cards Terms if You do not agree to any amendment, change or modification notified to You by Us by notifying Us of Your intention to terminate these Payment Cards Terms within fourteen (14) calendar days after the receipt of any amendment, change or modification and after paying the outstanding amount on Your Payment Cards.

11.2 If You exercise Your right to terminate under section 10.1 above, You must make payment of all amounts outstanding on the Payment Cards to us and return the Payment Cards to us, if requested.

11.3 We may, at any time, request any documents and/or information from You that We deem necessary to enforce these Payment Cards Terms and/or provide the Payment Cards to You and You shall promptly provide Us with such documents and/or information.

11.4 You authorize Us to send Your and any Supplementary Payment Card cardholders’ data declaration and accounts details to SAMA, banks and any other applicable authorities. You authorize Us to obtain and/or disclose to the Saudi Credit Bureau (SIMAH) or any other certified parties by SAMA such information as may be required by Us (at our discretion) to prove, review or manage Your Wallet Account and the Payment Cards.

11.5 The Saudi Riyal shall be used as a basis for calculating all transactions and charges in respect of the Payment Cards.

11.6 You irrevocably agree that We may subcontract the provision of part or all of the services provided to You under these Payment Cards Terms to any third party, whether or not that third party operates in another jurisdiction or territory. We shall remain liable to You for any recoverable direct loss or damage incurred as a result of such subcontracting and maintain the confidentiality of any such information to the same extent as We do.

11.7 We shall not be liable for the refusal of any merchant or establishment to accept or honor the Payment Card, nor shall We be responsible in any way for the goods or services supplied to You. You must resolve any such complaints directly with the merchant or establishment. We shall have no responsibility in this respect. No claim by You against the merchant or establishment may be the subject of a claim against Us. We will credit Your Payment Card with the amount of any refund only upon receipt of a properly issued credit voucher from the merchant establishment.

11.8 You must notify Our support center in writing as soon as possible of any changes in Your address and/or telephone numbers of office, residence and/or mobile. Failure to do so will relieve Us from any further liability with regards to official correspondence.

11.9 You authorize Us to rely upon and act in accordance with any notice, instruction, demand or other communication which may from time to time be, or purport to be, given by telephone, facsimile or other means by You or on Your behalf (the “Instructions”) without any enquiry on Our part including, without prejudice to the generality of the foregoing, as to the authority or identity of the person giving or purporting to give the Instructions and regardless of the circumstances prevailing at the time of receipt of the Instructions.

11.10 We shall be entitled to treat the Instructions as fully authorized by and binding upon You, and We shall be entitled to take such steps in connection with or in reliance upon the Instructions as We may consider appropriate, whether the Instructions include Instructions to pay money or otherwise to debit or credit any account, or relate to the disposition of any money, securities or documents, or purport to bind your type of transaction or arrangement whatsoever, regardless of the nature of the transaction or arrangement or the amount of money involved.

11.11 If you have any questions, disputes, or complaints about Your Payment Cards, You can contact Us by reaching out to STC Pay’s Customer Support Centre in accordance with section 2.2 of the Agreement.

PART TWO

TERMS FOR ENABLING PAYMENT CARDS ON THIRD PARTY PAYMENT PLATFORMS

1. INTRODUCTION

1.1 These Terms for Enabling Payment Cards on Third Party Payment Platforms and Conditions (the “Terms of Use”) apply when You use Your Payment Cards to make payments via third party payment platforms and technologies.

1.2 For the purposes of these Terms of Use, the following definitions shall apply:

1.2.1 “Devices” means a smartphone, tablet or smart watch or any other device which is compatible for use with the Third Party Platform (as defined below) and which STC Pay determines is eligible for the registration of Payment Cards to be used via such Third Party Platforms;

1.2.2 “Passcode” means the secret code that is required to unlock a Device and/or access to the Third Party Platform on a Device; and

1.2.3 “Third Party Platform” means an online or mobile payment system and/or an electronic wallet service created by a third party provider that enables You to add the credentials of Your Payment Cards to make payments for purchases at merchants and payment acceptance portals that accept payment via such platforms.

1.3 In consideration for providing You with access to the Third Party Platform, You agree to be bound by these Terms of Use. You must agree to these Terms of Use in order to use the relevant Third Party Platform through the App. By accepting these Terms of Use along with the Agreement or as prompted via the App, You confirm that You have reviewed, understood and agreed to the Terms of Use, which form a binding legal agreement between you and STC Pay.

1.4 The Terms of Use apply in addition to the terms of the Agreement and the Payment Cards Terms.

2. USE OF THIRD-PARTY PLATFORM AND SECURITY

2.1 You are solely responsible for maintaining the physical security of the Device and the confidentiality of:

2.1.1 the Device lock, PIN, Passcode, and other means to access the Third Party Platform;

2.1.2 Your Payment Card credentials; and

2.1.3 any other personal and payment information on or for the Device.

2.2 On sharing the Device and/or means of access to the Device with any person, that person may be able to use the Payment Cards and access the personal and payment information available in the Third Party Platform. You are required to keep the Device, the Passcode and the credentials secure in the same manner as You would keep secure cash, cheques, debit or credit cards, and other personal identification numbers and passwords.

2.3 The Agreement and the Payment Cards Terms do not change when you link Your Payment Card to the Third Party Platform. The Third Party Platform provides another way for You to make purchases with Your Payment Card.

2.4 Any applicable fees, and charges that apply to Your Payment Card will also apply when You use the Third Party Platform to access Your Payment Card. The Third Party Platform provider and other third parties such as data service providers may levy additional charges on You as specified by them.

2.5 You can link Your Payment Cards to the Third Party Platform by following the instructions of the Third Party Platform provider. You may only use Payment Cards that We indicate to You are eligible for use on the Third Party Platform. When You add a Payment Card to the Third Party Platform, the Third Party Platform will allow You to use the Payment Card to make transactions for goods and/or services where the Third Party Platform is accepted as a payment method. You should contact Us in accordance with section 2.2 of the Agreement where You wish to remove Your Payment Card from the Third Party Platform. We can also block Your Payment Card from use via the Third Party Platform at any time. You hereby agree and undertake to communicate only with Our contact center should you have any issue and not to contact any Third Party Platform unless we advise you otherwise in writing.

2.6 In the event of a breach of confidentiality of the Device, You shall be fully and solely responsible for and bear all charges, costs, losses, and damages whatsoever and howsoever arising from such breach. You shall immediately notify Us if the Passcode is breached or is disclosed to another person or entity. You should request Us to block the Payment Card due to such disclosure or breach.

2.7 In the event of fraud, loss or theft of the Device, You are obliged to immediately notify Us. We will arrange to block all Third Party Platform transactions for all Payment Cards. We reserve the right to refuse to permit any transaction if we suspect there is a breach of the Terms of Use, or that fraudulent or illegal activity is taking place in relation to the Payment Cards.

2.8 We may retain records of Your activity in the Third Party Platform, including the most recent transactional data. We may also periodically collect and use technical data and related information (that does not personally identify You) as a result of Your use of the Third Party Platform, including, but not limited to, technical information about Your Device. We may use this information to improve Our products or to provide services or technologies. We may provide Your details to third parties who perform services on behalf of STC Pay, and therefore, You may be contacted by such third parties on Our behalf to service Your accounts.

2.9 By registering, adding and using the Payment Cards in the Third Party Platform, You acknowledge that certain Payment Card account information may be transmitted to and stored within your Device with the Third Party Platform provider and/or on the system of a third party working with the Third Party Platform provider, for purposes of the Third Party Platform. You acknowledge that such information may be used by the Third Party Platform provider and/or the third party working with the Third Party Platform provider. We shall not be responsible and have no control over the privacy and security of Your personal data and the information provided by You to the Third Party Platform provider which is governed by the privacy policy of and any agreement You may have with the Third Party Platform provider.

3. USE OF THE PAYMENT CARD

3.1 A virtual representation of the Payment Card is licensed, to You for use only in accordance with these Terms of Use. We reserve all rights not expressly granted to You.

3.2 You are granted a non-exclusive, non-sub licensable, non-transferable, personal, limited license to install and use tokens and other credentials associated with the Payment Card to make payments with the Device in the Third Party Platform solely in accordance with the Terms of Use. The license is limited to use on any Device that You own or control and as permitted by any applicable third party agreements.

3.3 You shall not rent, lease, lend, sell, redistribute or sub-license any right to use any Card credentials in the Third Party Platform.

4. THIRD PARTY TERMS

4.1 Your use of the Third Party Platform is subject to third party terms and conditions, and We shall have no responsibility or liability to You under Your agreement with that third party. It is Your responsibility to read and understand any third party agreements before adding, linking or using the Payment Card through the Third Party Platform.

5. LIABILITY

5.1 Except for liability that cannot be excluded under the laws of the Kingdom of Saudi Arabia, We shall not be liable for any loss which You suffer by using the Third Party Platform unless it is directly caused by Our gross negligence and/or willful misconduct.

5.2 STC Pay is not the provider of the Third Party Platform, and We are not responsible for providing the Third Party Platform service to You. We are only responsible for supplying information securely to the Third Party Platform provider to allow use of the Payment Cards on the Third Party Platform.

5.3 We are not responsible for any failure of the Third Party Platform or the inability to use the Third Party Platform for any transaction. We are not responsible for the performance or non-performance of the Third Party Platform provider or any other third parties regarding any agreement You enter into with the Third Party Platform provider or any other third party.

5.4 We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services. If there are any issues or questions with a third party product or service, including issues pertaining to the operation of the Device, please contact the appropriate third party in accordance with that third party’s procedures for customer support and assistance.

6. AMENDMENT AND TERMINATION OF THESE TERMS OF USE

6.1 We have the right to suspend or terminate Your use of the Payment Cards on the Third Party Platform, with immediate effect, if You breach these Terms of Use, the Agreement and/or the Payment Cards Terms.

6.2 We have the right to suspend or terminate Your use of the Payment Card on the Third Party Platform under the following circumstances, and will provide You with notice if reasonably practicable:

6.2.1 due to the acts or omissions of the Third Party Platform provider, including suspension of the Third Party Platform, breaches of cardholder data or other security breaches; and

6.2.2 suspension or termination in order for Us to comply with applicable law or orders from a competent regulator.

6.3 You do not have the right change these Terms of Use. You can terminate linking Your Payment Card to a Third Party Platform at any time by removing or de-linking all Payment Cards from the relevant Third Party Platform. We can support You in doing so if You contact Us in accordance with section 2.2 of Your Agreement.

6.4 We may amend these Terms of Use at any time by posting a revised version on Our website or the App. We may communicate such changes to You in accordance with section 2.2 of the Agreement and will do so thirty (30) days in advance of the amendments taking effect. You accept and understand that it is Your responsibility to refer to the updated Terms of Use via the App.

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