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Page 1 of 22
QPAYPRODUCTDISCLOSURESTATEMENT
InthisProductDisclosureStatementfortheQpayCardyouwillfind:
PartA–GeneralInformation
and
PartB–TermsandConditionsincludingFeesandCharges
Dated30May2019
Page 2 of 22
CONTENTS
PartAGeneralInformation...........................................................................................................................................4
1. Introduction...................................................................................................................................................4
1.1. AboutthisProductDisclosureStatement...............................................................................................4
2. ElectronicStatements....................................................................................................................................4
3. ChangestothisPDS.......................................................................................................................................4
4. GeneralProductDescription..........................................................................................................................4
5. PartiesinvolvedinthedistributionofTheCard............................................................................................4
6. CardIssuer.....................................................................................................................................................5
7. RolesOfthecardDistributorsandIssuer......................................................................................................5
8. WhoiseligiblefortheCard?..........................................................................................................................6
9. SignificantBenefitsToCardholders...............................................................................................................6
10. SignificantRisksToCardholders....................................................................................................................6
11. ImportantinformationabouttheFinancialClaimsScheme..........................................................................7
12. YourTaxLiabilty.............................................................................................................................................7
13. OtherImportantInformation........................................................................................................................7
14. ProblemsOrDisputes....................................................................................................................................7
PartBTermsandConditions.........................................................................................................................................8
15. TermsandConditions....................................................................................................................................8
15.1. Definitions...............................................................................................................................................8
15.2. Overview.................................................................................................................................................9
15.3. TheCard................................................................................................................................................10
15.4. UsingtheCard.......................................................................................................................................10
15.5. FeesandCharges..................................................................................................................................11
15.6. LoadingofValue...................................................................................................................................12
15.7. ForeignTransactions.............................................................................................................................12
15.8. LimitationsofUseoftheCard..............................................................................................................13
15.9. PIN.........................................................................................................................................................14
15.10. PINReveal.............................................................................................................................................14
15.11. Security.................................................................................................................................................14
15.12. Loss,TheftandMisuseofCards...........................................................................................................14
15.13. LiabilityforUnauthorisedTransactions................................................................................................14
15.14. Transactions..........................................................................................................................................16
15.15. CardExpiry............................................................................................................................................16
15.16. ReplacementCards...............................................................................................................................17
15.17. CardRevocationandCancellation........................................................................................................17
15.18. AccessingyourAvailableBalanceifyoudon’thaveacurrentCard.....................................................17
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15.19. LiabilitiesandDisclaimers.....................................................................................................................18
15.20. Anti-MoneyLaunderingandCounterTerrorismFinancingObligations...............................................18
15.21. PrivacyandInformationCollection.......................................................................................................19
15.22. Communications...................................................................................................................................20
15.23. Keepingyourcontactdetailsuptodate...............................................................................................21
15.24. ChangestotheseTermsandConditions..............................................................................................21
15.25. TheWebsite..........................................................................................................................................21
15.26. GoverningLaw......................................................................................................................................22
Page 4 of 22
PARTAGENERALINFORMATION
1. INTRODUCTION
1.1. ABOUTTHISPRODUCTDISCLOSURESTATEMENT
Thisdocument(comprisingPartAandPartB)formstheProductDisclosureStatement(“PDS”)foryourCard(the“Card”).ThePDScontainsimportantinformation,includingthefeesandothercoststhatapplytotheCard.
ThisPDSisissuedbyEMLPaymentSolutionsLimitedABN30131436532(“EML”)asarequirementundertheCorporationsAct2001.
ThisPDSisanimportantdocumentdesignedtoassistyouindecidingwhethertoacquirethefinancialproducttowhichitrelates–theCard.YoushouldreadthisPDSinfullbeforeusingyourCard.
YourcontractwithusfortheCardiscomprisedofthisPDSdocumentincorporatingtheTermsandConditions,whichcontainsimportantinformationregardingyourCard.
TheinformationinthisPDSdoesnottakeintoaccountyourindividualobjectives,financialsituationorneeds.AnyadviceinthisPDSisgeneraladviceonly.Youshouldconsidertheappropriatenessofanygeneraladvicetoyourcircumstancesbeforeactingonit.
2. ELECTRONICSTATEMENTS
BysuccessfullyapplyingforandusingtheCard,youacknowledgethatwedonotprovideandyouwillnotreceivepaperstatements.ElectronicstatementsshowingCardtransactionsandAvailableBalanceareavailableforviewingontheQPayapp.PleasecontactQPaybyvisitingwww.swipe.getqpay.comorbyemailingthematsupport@quicklypay.itifyourequireanyassistanceaccessingelectronicstatements.
3. CHANGESTOTHISPDS
TheinformationinthisPDSissubjecttochangefromtimetotimeandiscorrectandcurrentasatthedatestatedonthefrontcover.
InformationregardingyourCardmayneedtobeupdatedfromtimetotime.AnyupdatedinformationthatisnotconsideredtobemateriallyadversetoCardholderswillbemadeavailableontheWebsite.Alternatively,youmayrequestapapercopyofanyupdatedinformationfreeofchargefromEMLbyphoning1300739889.AnyupdatedinformationthatmaybemateriallyadversetoCardholderswillbeincludedinareplacementorsupplementaryPDS.
4. GENERALPRODUCTDESCRIPTION
YourCardisaprepaid,reloadableMastercardDebitCard.YourcardprovidesyouwiththemeanstoreceivetheWithdrawableBalancefromyourQPayAccountaswellaskeeptrackofandenjoyaccesstoyourStoredValueanywhereintheworldwhereprepaidMastercardcardsareaccepted.
YourCardcanonlybeloadedwiththeWithdrawableBalancefromyourQPayAccountwithinthetransactionlimitslistedinSection15.8oftheTermsandConditionsinPartB.YoucanchoosetoloadallorpartoftheWithdrawableBalancetoyourCard.CardholdersarenotpermittedtoloadortransferanypersonalfundsontotheirCard.
TheCardisnotacreditorchargecardandtheCardStoredValuedoesnotearninterest.Yourbalanceisnotabankdeposit.
5. PARTIESINVOLVEDINTHEDISTRIBUTIONOFTHECARD
Page 5 of 22
EMLPaymentSolutionsLimitedABN30131436532(“EML”),istheholderofAustralianFinancialServicesLicensenumber404131.UnderitsAFSL,EMLisauthorisedtoprovidefinancialservicesincludingarrangingfortheissueofnon-cashpaymentfacilitiestotheCard.
MySmockPtyLtdABN84163916603(“QPay”)isanauthorisedrepresentativeofEML(authorisedrepresentativenumber1262499)andisauthorisedbyEMLtoarrangefortheissueoftheCard.WhenprovidingfinancialservicesinrelationtotheCard,QPayactsonbehalfofEML.
QPaycanbecontactedvia:
Mail:Level15,DeloitteBuilding,60StationStreetEast,Parramatta,NSW2150
Email: [email protected]
In-app:LiveChatSupport
Internet:www.swipe.getqpay.com
6. CARDISSUER
TheIssueroftheCardisEMLandifyouacquiretheCard,youwillhaveacontractwithEML.
EMLisaprinciplememberofMasterCardInternationalIncorporatedandtheholderofAustralianFinancialServicesLicence(AFSL)number404131.UnderitsAFSL,EMLisauthorisedtoprovidefinancialservicesincludingarrangingfortheissueofnon-CashpaymentfacilitiestotheCard.WhenprovidingfinancialservicesinrelationtotheCard,EMLactsonitsownbehalf.
EMLcanbecontactedvia:
Phone: 1300739889between8:30amto5pmQueenslandtime
Mail: Level2,26CommercialRoadNewsteadQLD4006
Email: [email protected]
Internet: www.emlpayments.com
7. ROLESOFTHECARDDISTRIBUTORSANDISSUER
EMLisalsoresponsibleforthedistributionoftheCard.QPayprovidescustomerservicesupportforCardholders,includingtheonlineandin-appsystemstoallowCardholderstochecktheirStoredValueandtransactionhistory.
TheAvailableBalanceonyourCardisheldinaclientsegregatedmoniesaccountmaintainedbyAustraliaandNewZealandBankingGroupLimitedABN11005357522(AFSL234527)(“ANZ”).EMLisresponsibleforthesettlementoftransactionsusingtheCard,butmayoutsourcethesefunctionstootherserviceproviders.
NeitherQPay,noranyoneelseactingonitsbehalf,hastheauthorityonbehalfofEMLto:
§ tellyouanythingabouttheCardthatisinconsistentwiththeinformationinthisPDS;§ giveyoufinancialproductadvice(thatis,arecommendationorstatementofopinionintendedorthatcould
bereasonablyregardedasbeingintendedtoinfluenceyouinmakingadecision)abouttheCard;and§ doanythingelseonEML’sbehalf,otherthanmarketing,arrangingfortheissueofandprovidingcustomer
servicesfortheCard.
Page 6 of 22
8. WHOISELIGIBLEFORTHECARD?
TobeeligiblefortheCardyoumustbe:
§ 18yearsofageorolder;§ anAustralianresident;and§ averifiedQPaymemberwithanonlineaccount.
9. SIGNIFICANTBENEFITSTOCARDHOLDERS
ThesignificantbenefitsoftheCardareasfollows:
§ youcanload(orreload)valueontoyourCardbytransferringtheWithdrawableBalanceofyourQPayAccounttoyourCardbyusingtheoptionsavailableundertheMyAccounttabontheWebsite.YouwillneedyourverifiedQPaylogindetailstoperformthistypeoftransaction;
§ TheCardisaprepaid,reloadableMastercardcardwhichmeansthatitcanbeusedtopayforgoodsandservicesfrommerchantsinAustraliaandaroundtheworldwhoacceptMastercardprepaidcardsincludingonlinepurchasetransactions;
§ TheCardcanalsobeusedtomakecontactlesspaymentsfortransactionsunder$100.SimplyplaceyourCardnearoronthecardreader.Beforeauthorisingacontactlesstransaction,youmustcheckthatthecorrectamountisdisplayedontheterminal.
§ TheCardcanbeusedtowithdrawcashatparticipatingATM’swhoacceptprepaidMastercardcardsaroundAustraliaandallovertheworld;
§ TheCardisreloadable,whichmeansthatyoucanloadvaluetoitasmanytimesasyoulikeduringitscurrencyandwithintheapplicablelimitssetoutin15.8;and
§ youcanaccessonlythevaluethatyouhaveloadedtotheCard.ItisnotaCreditCard.
10. SIGNIFICANTRISKSTOCARDHOLDERS
SomeoftherisksthatmaybeassociatedwiththeuseoftheCardareoutlinedbelow.TherisksdescribedareintendedtobeasummaryofthemajorrisksassociatedwiththeCardandarenotexhaustive.TheremaybeotherrisksthatrelatetotheuseofyourCard.
Significantriskstocardholdersare:
§ theabilitytoaccesstheStoredValueontheCardisultimatelydependentonQPaytransferringtheWithdrawableBalancefromyourQPayAccounttoEML.Accordingly,ifQPaybecomesinsolventorifthereisotherwiseadelayinthetransferofyourWithdrawableBalance,thereisariskyoumaynotbeabletoaccesstheStoredValueontheCard;
§ TheCardwillexpireatthedateshownonthefrontoftheCard.YoucannotaccessanyvalueloadedontheexpiredCard;
§ UnauthorisedTransactionscanhappenusingtheCardifitislostorstolen,apersonalidentificationnumber(“PIN”)isrevealedtoanyotherperson,orasaresultoffraud;
§ unintendedtransactionscanhappenifelectronicequipmentwithwhichtheCardisbeingusedisoperatedincorrectlyorincorrectdetailsareinput;
§ youmightnotbeabletogetyourmoneybackifUnauthorisedTransactionsorunintendedtransactionsoccur;
§ iftheelectronicnetworkenablingtheuseoftheCardisunavailable,youmaynotbeabletoundertaketransactionsorgetinformationusingtheCard;
§ yourcardcouldbelost,destroyedorstolen;§ theFinancialClaimsSchemedoesnotapplyinrelationtotheCardoryourAvailableBalance.
Page 7 of 22
11. IMPORTANTINFORMATIONABOUTTHEFINANCIALCLAIMSSCHEME
TheFinancialClaimsSchemeisaschemeadministeredbytheAustralianPrudentialRegulationAuthority(APRA)toprotectdepositorsofauthoriseddeposit-takinginstitutionsfrompotentiallossduetothefailureoftheseinstitutions.Itprovidesdepositorswithaguaranteedprotection,uptoacap.AsatthedateofthisPDS,theFinancialClaimsSchemeappliestodepositsonly.Itdoesnotextendtoprepaidcardproducts(includingtheCard).TheFinancialClaimsSchemedoesnotprotectanyAvailableBalanceheldonyourCard.
Formoreinformation,seeAPRA’swebsiteat:http://www.apra.gov.au/crossindustry/fcs/Pages/default.aspx
12. YOURTAXLIABILTY
YoushouldgetyourownindependenttaxadviceinrelationtotheimpactyouruseoftheCardmayhaveonyourpersonaltaxliabilityasEMLhasnottakenintoaccountyourindividualcircumstancesorneedswhenarrangingforthedistributionofyourCard.
13. OTHERIMPORTANTINFORMATION
TherearesomeotherimportantthingsyouneedtobeawareofabouttheCard:
§ itdoesnotgenerateanyinterestorotherreturntotheholder.Inotherwords,youdonotearninterestonthevalueloadedtotheCard;
§ valueloadedonyourCardfromtheQPayAccountwillusuallybecomeavailableforusebyyouimmediatelyforin-persontransactionsandcardnotpresenttransactions;
§ presstheCreditbuttonatpointofsaleterminalsandATM’sinordertoaccesstheAvailableBalance;and§ themethodofcommunicationEMLwillusetogiveyouinformation,includinginformationunderthe
ePaymentsCode,willbeElectronicCommunication.
14. PROBLEMSORDISPUTES
Whenyouprovidefeedbacktous,wehavetheopportunitytoimproveourservicestoyou.IfyouhaveaqueryabouttheCard,youshouldinitiallydirectthequerytoQPay.
QPaycanbecontactedvia:
Mail:Level15,DeloitteBuilding,60StationStreetEast,Parramatta,NSW2150
Email: [email protected]
In-app:LiveChatSupport
Internet:www.swipe.getqpay.com
IfyouareunabletoresolveyourissuewithQPaydirectly,youcanescalateyourenquirytoEML.EMLwillaimtoresolvethematteronyourinitialcontact.However,ifthemattercannotberesolvedimmediately,wewillcommittotakingthefollowingsteps:
§ lettingyouknowwhoishandlingyourcomplaint;§ keepingyouinformedofwhatishappening;and§ aimingtoresolveyourcomplaintwithin21BusinessDays.
Onceyourcomplaintisresolved,wewillcheckwithyoutomakesureyouaresatisfiedwithhowyourcomplaintwashandled.
WhereyourCardisusedforUnauthorisedTransactions,wewillseektoreversethetransactionifwecanundertheMastercardSchemeRules.YourabilitytodisputeatransactionorreverseanUnauthorisedTransactionmaybelostif
Page 8 of 22
youdonotnotifyusimmediately.ItisyourresponsibilitytoregularlyreviewyouronlinetransactionhistorytoidentifyUnauthorisedTransactions.UndertheseTermsandConditions,wemaynotberesponsibleforanylosstoyouifyoudonotdisputeanUnauthorisedTransactionwithin45days.
Ifweareunabletoresolveyourcomplainttoyoursatisfactionwithin45days,youmaybeeligibletoescalatethecomplainttoEML’sexternaldisputeresolutionservice.Theexternaldisputeresolutionserviceis:
FinancialOmbudsmanServiceLimitedABN67131124448at:
Mail: GPOBox3,MelbourneVIC3001;
Phone: 1800367287
Fax: (03)96136399
Email: [email protected]
PARTBTERMSANDCONDITIONS
15. TERMSANDCONDITIONS
15.1. DEFINITIONS
AFSLmeansAustralianFinancialServicesLicence.
ATMmeansAutomatedTellerMachinethatacceptscardswiththeMastercardbrandforCashwithdrawals.
ATMOwnersFeemeansthefeeschargedbytheowneroftheATMandincurredbyaCardholderforusinganATM.ATMOwnerFeesmayvaryandwillbedisplayedontheATMatthetimeatransactionismade.
AvailableBalancemeansthemonetaryvaluerecordedbyusorouragentasavailablefortransactions,lessanypurchases,authorisations,cashwithdrawals,feesandchargesorotheramountsdebitedundertheTermsandConditions.
CardmeanstheQPayCard.
EFTPOS/POSmeanselectronicfundstransferatpointofsale.
ePaymentsCodereferstotheamendedcodeformerlyknownastheElectronicFundsTransferCodeofConductissuedbytheAustralianSecurities&InvestmentsCommissionon1stApril2001,asamendedon20March2013,andincludesanysubsequentamendmentsorreplacements.
ElectronicCommunicationmeansamessagewhichissenttoyouandwhichyoureceiveelectronically,inaformthatyoucanretainforlaterreferencesuchasbyprintingorbystoringforlaterdisplay.
EMLmeansEMLPaymentSolutionsLimitedABN30131436532,AFSL404131.
FinancialClaimsSchemesmeanstheschemeadministeredbytheAustralianPrudentialRegulationAuthority(APRA)toprotectdepositorsofauthoriseddeposit-takinginstitutionsfrompotentiallossduetothefailureoftheseinstitutions.
FundsRedemptionRequesthasthemeaninggiventoitinsection15.18.
Identifiermeansinformationthatyouknowbutarenotrequiredtokeepsecretandwhichyoumustprovidetoperformatransaction(forexample,aCardnumber).
Page 9 of 22
IssuermeansEMLPaymentSolutionsLimitedABN30131436532,AFSL404131.
MastercardmeansMastercardInternationalIncorporated.
MastercardSchemeRulesmeanstheMastercardSchemeRulesandtheMastercardTechnicalOperationalandSecurityRules.
NegativeBalancemeansanegativeratherthanapositiveAvailableBalance.
PassCodemeansapasswordorcodethatyoumustkeepsecret,thatwemayrequiretoauthenticateyouridentityoratransaction.ExamplesincludeyourPINandanyaccesscoderequiredtoallowonlineaccesstoyourCarddetails.
PersonalInformationmeansinformationoranopinion(includinginformationoranopinionformingpartofadatabase),whethertrueornotandwhetherrecordedinamaterialformornot,aboutyouwhenyouridentityisapparentorcanreasonablybeascertainedfromtheinformationoropinion.
PINmeansthefour-digitpersonalidentificationnumberwhichweissuetoyoutoaccesssomeoftheCardservices,includingwithdrawingCashfromanATM.
PINMailermeansthelettersenttoeachcardholderincludingtheCardandinstructionsonhowtouseyourCard.
POSTransactionmeansPointofSaletransactions.
ProductDisclosureStatementmeansthisdocument.
QPaymeansMySmockPtyLtdABN84163916603
QPayAccountmeansyouruniqueaccountwithQPaywhichisusedforpurchasinggoodsandservices.
SecurityRequirementsmeanstheSecurityRequirementsdescribedundersection15.11“CardSecurity”.
StoredValuemeansthetotalamountoftheWithdrawableBalanceofyourQPayAccounttransferredtoyourCardandavailable.
TermsandConditionsmeansPartBofthisdocument.
UnauthorisedTransactionmeansatransactionnotauthorisedbyyou,butdoesnotincludeanytransactioncarriedoutbyyouorbyanyoneperformingthetransactionwithyourknowledgeandconsent.
we,us,ourmeansEMLand,exceptwherethecontextindicatesadifferentintention,alsoincludesanyagentactingonbehalfofEML
WebsitemeansthesecuredwebsitefortheCardshownonthePINMailerandanyadditionalorreplacementwebsitewenotifyyouasthewebsiteforthepurposesoftheseTerms&Conditionsfromtimetotime.
WithdrawableBalancemeanstheamountthatcanbecurrentlywithdrawnfromyourQPayAccount.AnydifferencebetweenthisandthebalanceofyourQPayAccountmaybeduetorecentdeposits.
Youreferstoapersonwhohasoptedinforandbeen(oristobe)issuedwiththeCard.Anyothergrammaticalformoftheword“you”hasacorrespondingmeaning.
15.2. OVERVIEW
TheseTermsandConditionsgoverntheuseoftheCard.Pleasereadthemcarefullyandkeepacopyforyourrecords.BysigningthebackoftheCardorusingtheCard,youagreetobeboundbytheseTerms&Conditions.YoualsoacknowledgeandagreetothedisclosuresandotherinformationcontainedintheProductDisclosureStatement.
Page 10 of 22
ThosedisclosuresandinformationformpartoftheagreementbetweenyouandEMLexcepttotheextentthattheseTermsandConditionsprovideotherwiseorqualifythedisclosuresandinformation.
ImportantpointstoremembertosafeguardyourCard:
§ signyourCardimmediatelywhenyoureceiveit;§ memoriseyourPINandneverstoreitwithornearyourCard;§ neverwriteyourPINonyourCard;§ neverlendyourCardtoanyone;§ nevercommunicateyourPIN;§ trytopreventanyoneelseseeingyouenteryourPINintoanATMordevice(“i.e.anelectronicbanking
terminal”);§ neverleaveyourCardunattended,e.g.inyourcaroratwork;§ immediatelyreporttheloss,theftorunauthoriseduseofyourCardtoEMLon1300739889;§ examineyouraccountstatementonlinetoidentifyandreport,assoonaspossible,anyinstancesof
unauthoriseduse;and§ forsecurityreasons,ontheexpirydatedestroyyourCardbycuttingitdiagonallyinhalf.
15.3. THECARD
§ theCardisaprepaid,reloadableMastercardcardandvaluemustbeloadedtotheCardbeforeitcanbeused;
§ youcanloadvaluetotheCardinaccordancewiththeseTermsandConditions;§ theCardallowscashwithdrawalsatATM’sandpurchasestobemadewhereverMastercardcardsare
honouredforelectronictransactionsifasufficientAvailableBalanceexistsfortheamountofthetransaction;§ theCardisnotaCreditCard;§ theCardisnotafacilitybywhichtheIssuertakesdepositsfromyou;§ thereisnointerestpayabletoyouonthecreditbalanceontheCard;and§ theCardremainsthepropertyoftheIssuerandyoumustsurrendertheCardtousifweaskforittobe
surrendered.
15.4. USINGTHECARD
§ youmustregisterasthecardholderoftheCardviatheWebsitebyfollowingtheprompts;§ uponregistration,yourCardwillbeactivatedandreadyforuse;§ YoucanpurchasegoodsandservicesusingyourCardandthepaymentisdebitedagainstyourAvailable
Balance.TheCardallowsyoutopurchasegoodsandservices:o atanoutletwithinAustraliathathasEFTPOSavailablebyeither:
§ selectingthe‘credit’buttonwhereverMastercardcardsareaccepted;or§ makingacontactlesspayment.
o overthetelephoneortheinternetbyprovidingthePAN,expirydateandsecuritycode;oro atoutletsoverseaswhereverMastercardcardsisaccepted.
§ Whenyouarepayingforgoodsandservicesbyselectingthe‘credit’buttonataPointofSaleterminalorprovidingtheCardnumbertoamerchantoverthetelephoneortheInternet,you’llbecoveredbyMastercard’szeroliabilityprotectionpolicy.ThismeansyouareprotectedagainstUnauthorisedTransactions.Mastercard’szeroliabilityprotectionpolicydoesnotapplytoATMtransactionsortransactionsnotprocessedbyMastercard.
§ youagreenottomakeorattempttomaketransactionsthatexceedtheAvailableBalance;§ ifyoumakeorattempttomakeanytransactionsthatexceedtheAvailableBalancethenyouwillbeliablefor
anyNegativeBalance,alongwithanycostsorinterestweincurinrecoveringorattemptingtorecoverfromyoutheamountowing;
Page 11 of 22
§ ifaNegativeBalancearises,thatdoesnotmeanthataNegativeBalancewillbeallowedtoariseorbeincreasedonsubsequentoccasions;
§ youcanuseyourCardwithinthelimitsspecifiedinsection15.8providedthatyoudonotexceedtheAvailableBalanceandtheexpirydatefortheCardhasnotpassed;
§ EMLorQPaymayrestrictorstoptheuseoftheCardifexcessiveusesoftheCardorothersuspiciousactivitiesarenoticed;
§ youcannot“stoppayment”onanytransactionafterithasbeencompleted.IfyouhaveaproblemwithapurchasemadewiththeCard,oradisputewithamerchant,youmustdealdirectlywiththemerchantinvolved.Ifyoucannotresolvethedisputewiththemerchant,youshouldcontactEML.
§ ifyouareentitledtoarefundforanyreasonrelatingtoatransaction,youagreetoaccepttherefundunderthepolicyofthatspecificmerchant.RefundsmaybeintheformofacredittoyourCard,Cashrefundorinstorecredit.IftheCardisexpiredorrevokedbeforeyouhavespentanyvalueloadedtotheCardresultingfromarefund(whetherornottheoriginaltransactionbeingrefundedwasmadeusingtheCard)thenyouwillhavenoaccesstothosefundsunlessareplacementCardhasbeenissuedtoyou;
§ wearenotliableinanywaywhenanauthorisationisdeclinedforanyparticulartransactionregardlessofreason;
§ theCardmaybeusedatATM’sthatacceptprepaidMastercardcards.ATMtransactionfeesandchargesmayapply.TheseareinadditiontoanyATMoperatorfeesthatvarybyATMoperator.AllATMfeesandchargeswillbeautomaticallydebitedagainsttheAvailableBalance.AftertheAvailableBalancehasbeenexhaustedorifthereareinsufficientfundsforthepaymentofATMfeesandchargesforatransactioninadditiontotheamountofawithdrawal,theATMtransactionwillbedeclined;
§ ifyoupermitsomeoneelsetousetheCard,youwillberesponsibleforanytransactionsinitiatedbythatpersonwiththeCard;
§ youmaynotmakepre-authorisedregularpaymentsthroughtheuseoftheCard;and§ yourCardmaynotbeusedforanydirectorrecurringdebitpaymentsorforanymailortelephoneorder
transactions.
15.5. FEESANDCHARGES
YouagreetopaythefeesprovidedintheseTermsandConditions.Wheneveranyofthesefeesareincurredorbecomepayable,youauthoriseustodeductitfromtheAvailableBalanceandreducetheAvailableBalanceaccordingly.
Applicablefeesareasfollows:
FeesandChargestobepaidbytheCardholder
CardIssueandFundsLoading
CardIssueFee Free
ReplacementCardFee Free
ATMWithdrawals
ATMTransactions
ATMOwnersFees
PointofSalePurchases
POSPurchase Free
DeclinedTransactionFee Free
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AccountKeepingFees
BalanceInquiryonline Free
Foreignexchangefee 2.99%
Disputedtransactionfee(pertransaction) $10.00
Monthlyinactivefeeafter365days $4.00
NegativeCardbalancetopupVariesaccordingtonegative
Cardbalance
Manualfundstransferfee–Cardtoexternalaccounttransfer $25.00
Alltransactionfeesarechargedatthetimeoftransactionandareincludedinthetotalpurchaseprice.
AllfeesandchargesareexpressedinAustraliandollarsandareexclusiveofanyapplicableGST.
CertainmerchantsmaychargeanadditionalfeeiftheCardisusedtopurchasegoodsand/orservices.Thisfeeisdeterminedandchargedbythemerchantandisnotretainedbyus.
TheAvailableBalanceonyourCardisinAustraliandollars.TransactionsmadeinacurrencyotherthanAustraliandollarswillbesubjecttotheprevailingMastercardexchangerateatthetimeplusa2.99%foreignexchangefee.
ExampleofForeignExchangeFee:
YoumakeapurchasefromamerchantlocatedoutsideAustralia(e.g.USA);
Atthetime,Mastercard’sprevailingexchangerateisUS$1.00=$0.95Australian;
YouspendUS$200.00;
TheAustraliandollaramountisUS$200.00x$0.95=$190.00;
Theforeignexchangefeeistherefore2.99%x$190.00=$5.68
15.6. LOADINGOFVALUE
ValuecanbeloadedtotheCardonlyasspecificallyprovidedintheseTermsandConditionsandsubjecttothelimitsshowninSection15.8.
TheminimumvaluethatcanbeloadedtotheCardatanyonetimeis$10.00(Australiandollars).
15.7. FOREIGNTRANSACTIONS
TheAvailableBalanceonyourCardisinAustraliandollars.TransactionsmadeinacurrencyotherthanAustraliandollarswillbesubjecttotheprevailingMastercardexchangerateatthetimeplusa2.99%foreignexchangefee.ExampleofForeignExchangeFee:
YoumakeapurchasefromamerchantlocatedoutsideAustralia(e.g.USA);
Atthetime,Mastercard’sprevailingexchangerateisUS$1.00=$0.95Australian;
YouspendUS$200.00;
TheAustraliandollaramountisUS$200.00x$0.95=$190.00;
Theforeignexchangefeeistherefore2.99%x$190.00=$5.68
Forafulllistingoffeesandchargespleaserefertosection15.5FeesandCharges.
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15.8. LIMITATIONSOFUSEOFTHECARD
ThefollowinglimitationsapplytotheCard:
§ theCardmaynotbeusedfor,andauthorisationmaybedeclinedfor,anyillegaltransactions;and§ someretailersmaychoosenottoacceptprepaidMastercardcards.
ThefollowingtableillustratesthetransactionandloadlimitsapplicabletotheCard.Merchantsorotherprovidersoffacilitiesmayimposeadditionallimits.
Load/transaction Limit
PointofSaleLimits
MaximumPointofSalepertransaction $2500
DailyPointofSaleLimit(includingATMWithdrawaltransactions)
$5000
Maximumnumberoftransactionsperday(includingPOSandATMTransactions)
10
ATMWithdrawalLimits
DailyATMWithdrawalLimit $2,500
MinimumATMwithdrawalamountpertransaction $10
MaximumATMWithdrawalAmountpertransaction $1000
MaximumnumberofATMtransactionsperday 10
LoadandAccountLimits
MaximumCardBalanceatanyonetime $25,000
DailyTotalLimit(fromATMand/orPOS) $5000
MaximumLoadtocardpertransaction $2500
MaximumLoadtocardper24hours $2500
Maximumnumberofloadstocardper24hours 10
PayWaveLimits
PayWaveTransactionLimit $100
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15.9. PIN
YourPINhasbeenprovidedtoyouintheQPayapp(uponverificationofregistration).YoumustnotdiscloseyourPINtoanyotherperson.
15.10. PINREVEAL
ToretrieveyourPINgototheQPayapp
§ youwillbepromptedtoenteryour16-digitPersonalAccountNumber(PAN)alongwithpersonaldetailstoverifyyouridentity;and
§ followingverificationofyouridentityasecuritynumberwillbesenttoeitheryouremailaddressormobilephonenumberasregisteredwiththeCard.ThesecuritynumberwillberequiredtoallowyoutoaccessyourPIN.
IfyouhaveanytechnicaldifficultyretrievingyourPIN,pleasecontactEMLon1300739889.
15.11. SECURITY
YoumustmakesurethatyoukeeptheCard,IdentifiersandanyPIN’ssafeandsecure.Theprecautionswerequireyoutotake(SecurityRequirements)aresetoutbelow.
Youmustnot:
§ allowanyoneelsetousetheCard;§ interferewithanymagneticstripeorintegratedcircuitontheCard;§ unnecessarilydisclosetheCardnumber;§ writethePINontheCard;§ carrythePINwiththeCard;§ recordthePINonanythingcarriedwiththeCardorliabletolossortheftsimultaneouslywithadevice,unless
youmakeareasonableattempttoprotectthesecurityofthePIN;or§ voluntarilydisclosethePINtoanyone,includingafamilymemberorfriend.
15.12. LOSS,THEFTANDMISUSEOFCARDS
IfyouknoworhavereasontosuspectthatyourCardislostorstolenordamaged,likelytobemisusedoryouhavereasontosuspectthatsomeoneelsemayknowthePINorIdentifiers,youmustimmediatelynotifyQPayorEML.WewillthensuspendyourCardtorestrictfurtheruse.
Youmayberequiredtoconfirmdetailsoftheloss,theftormisuseinwriting(andtoprovideparticularinformationintheconfirmation)andyoumustcomplywiththatrequirement.
IfanylostCardissubsequentlyfounditmustnotbeused.
ShouldyourCardberetainedbyanyATM,theCardisdeemedtobelostorstolenandhencecannotberecovered.Inthatevent,youwillneedtocontactQPayonsupport@quicklypay.itorEMLandarrangetobeissuedwithanewCard.ThereisnofeeinvolvedtohaveareplacementCardissued.
15.13. LIABILITYFORUNAUTHORISEDTRANSACTIONS
YourliabilityforlossesarisingfromUnauthorisedTransactionswillbedeterminedundertheePaymentsCode.
YouwillnotbeliableforlossesresultingfromUnauthorisedTransactionswhereitisclearthatyouhavenotcontributedtotheloss.
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YouwillnotbeliableforlossesresultingfromUnauthorisedTransactionsthatarecausedby:
§ fraudornegligencebyouremployeesoragents,athirdpartyinvolvedinnetworkingarrangements,oramerchantortheiremployeeoragent;
§ aCard,IdentifierorPassCodewhichisforged,faulty,expiredorcancelled;§ atransactionrequiringtheuseofaCardand/orPassCodethatoccurredbeforeyouhavereceivedtheCard
and/orPassCode(includingareissuedCardand/orPassCode);§ atransactionbeingincorrectlydebitedmorethanoncetoyourCard;or§ anUnauthorisedTransactionperformedafteryouhaveinformedusthatyourCardhasbeenmisused,lostor
stolen,orthesecurityofaPassCodehasbeenbreached.
YouarenotliableforlossarisingfromanUnauthorisedTransactionsthatcanbemadeusinganidentifierwithouttheCardoraPIN.WhereatransactioncanbemadeusingtheCard,oraCardandanidentifier,butdoesnotrequireaPIN,youareliableonlyifyouunreasonablydelayreportingthelossortheftoftheCard.
YouareliableforlossresultingfromanUnauthorisedTransactionifwecanproveonthebalanceofprobabilitythatyoucontributedtothelossthroughfraudorbreachingsection15.11and15.12oftheseTermsandConditions.Inthosecircumstancesyouareliableinfullfortheactuallossesthatoccurbeforetheloss,theftormisuseofaCardorbreachofPINsecurityisreportedtousbut:
§ youarenotliablefortheportionoflossesincurredonanyonedayinexcessofanyapplicabledailytransactionlimit;and
§ youarenotliablefortheportionoflossesincurredinanyperiodinexcessofanyapplicableperiodictransactionlimit;and
§ youarenotliablefortheportionoflossesthatexceedsthatAvailableBalance;and§ youarenotliablefortheportionoflossesincurredifweandyouhadnotagreedthattheAvailableBalance
couldbeaccessedusingtheCardoridentifierand/orPINusedtoperformthetransaction.
YouwillbeliableforlossesarisingfromanUnauthorisedTransactionthatoccursbecauseyoucontributedtolossesbyleavingaphysicalcardinanATM,aslongastheATMincorporatesreasonablesafetystandardsthatmitigatetheriskofaCardbeingleftintheATM.
YouwillbeliableforlossesarisingfromanUnauthorisedTransactionifwecanproveonthebalanceofprobabilitythatyoucontributedtothoselossesbyunreasonablydelayingreportingthemisuse,lossortheftofaCard,orthatthesecurityofallPINshasbeenbreached.Inthosecircumstances,youareliableinfullfortheactuallossesthatoccurbetweenwhenyoubecomeawareofthesecuritycompromise,orshouldreasonablyhavebecomeawareinthecaseofalostorstolenCard,but:
§ youarenotliablefortheportionoflossesincurredonanyonedayinexcessofanyapplicabledailytransactionlimit;and
§ youarenotliablefortheportionoflossesincurredinanyperiodinexcessofanyapplicableperiodictransactionlimit;and
§ youarenotliablefortheportionoflossesthatexceedstheAvailableBalance;and§ youarenotliablefortheportionoflossesincurredifweandyouhadnotagreedthattheAvailableBalance
couldbeaccessedusingtheCardoridentifiedand/orPINusedtoperformthetransaction.
IfaPINwasrequiredtoperformanUnauthorisedTransactionnotalreadycoveredabove,youwillbeliablefortheleastof:
§ $150;or§ theAvailableBalance;or
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§ theactuallossatthetimethatthemisuse,lossortheftofaCardorbreachofPINsecurityisreportedtous,excludingthatportionofthelossesincurredonanyonedaywhichexceedsanyrelevantdailyofotherperiodictransactionlimit.
IfyoureportanUnauthorisedTransaction,wewillnotholdyouliableforlossesarisingfromtheUnauthorisedTransactionforanamountgreaterthanyourliabilityifweexercisedanyrightsundertherulesoftheMastercardscheme,atthetimeofthereport,againstotherpartiestotheMastercardscheme(forexample,chargebackrights).
ImportantInformationaboutChargebacks
Insomecircumstances,youmaybeabletorequestachargebackofatransactionwhenyouhaveadisputewithamerchant,suchasthemerchant’sfailuretosupplythegoodsorservicesyoupaidfor.
AchargebackisarightundertheMastercardcardschemerulesbywhichatransactioncaneffectivelybereversedbyusdebitinganamounttothemerchant’sfinancialinstitutionandcreditingbacktoyourAvailableBalance.WecanonlyprocesschargebacksiftheMastercardcardschemerulesallowusto.
Ifyoubelievethatyouareentitledtoachargeback,youmustnotifyusassoonaspossiblebycontactingEML.
TheMastercardcardschemerulesimposetimelimitsforinitiatingchargebacks.Thetimelimitisgenerally90daysfromthedateofthedisputedtransaction.
Ifyourequestachargeback,wemayneedyoutoprovideadditionalinformation.Ifwedoaskyouforadditionalinformationandyoudonotprovideitwithin10days,thenyoumayloseanyrightstothechargebackandifithasalreadybeenprocessed,wemayreverseit.
Pleasenotethatifweprocessachargeback,themerchantmayhaverightsundertheMastercardcardschemerulestohavethetransactioninvestigatedfurther,andthiscaninsomecircumstancesresultinthechargebackbeingreversed(whichmeanstheoriginaltransactionmightbereinstatedbybeingdebitedtoyourAvailableBalance).
15.14. TRANSACTIONS
YouacknowledgethatyouwillnotreceivepaperstatementsfromusregardingtheoperationofyourCard.PeriodicstatementsshowingthetransactionsonyourCardandtheAvailableBalanceareavailableontheWebsite.
ProvidedyouhaveregisteredyourCard,it’sbalanceandtransactionhistorywillbemadeavailable24hoursaday,7daysaweek,throughtheWebsiteandcanbeaccessedasinstructedonthePINMaileratnocharge(seesection15.4“UsingtheCard”).
Ifyounoticeanyerror(orpossibleerror)inanytransactionorstatementrelatingtoCard,thenyoumustnotifyEMLimmediately.Wemayrequestyoutoprovideadditionalwritteninformationconcerninganyerror(orpossibleerror)andyoumustcomplywiththatrequest.
ItisyourresponsibilitytoregularlyreviewyourtransactionhistorytoidentifyUnauthorisedTransactions.
15.15. CARDEXPIRY
TheCardisvaliduntiltheexpirydateshownonit,unlessitiscancelledbeforethen.
YourCardcannotbeusedafterexpiry.YoucannotaccessanyvalueloadedontheexpiredCardunlessareplacementCardisissuedtoyou.
WemayissueyouwithareplacementCardifrequestedbyyouatanytimeafterexpiryandprovidedyouhaveregisteredyourdetailswithus,includingyournameandAustralianaddress.WereservetherightnottoissueareplacementCardtoyou,inwhichcasewewillreturnanyAvailableBalanceonyourCardtoyou.
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15.16. REPLACEMENTCARDS
IfyourCardismisused,lostorstolen,youshouldnotifyQPayorEMLinaccordancewithsection15.12sothatyourCardcanbecancelled.
YoucanrequestQPayorEMLtoprovideyouwithareplacementCard.
AreplacementCardwillbearrangedafteryounotifyusthatyourCardorCarddetailsaremisused,lostorstoleninaccordancewithsection15.12andthemisused,lostorstolenCardhasbeenblocked.YouwillneedtoregisterandactivatethenewCardinaccordancewithsection15.4.
15.17. CARDREVOCATIONANDCANCELLATION
YoumayaskfortheCardtobecancelledatanytime.IfyouaskfortheCardtobecancelledandweaskyouto,youmustsurrenderordestroythecancelledCardandyoumustnotusethecancelledCard.
WemaycancelyourCardatanytime.Wherepossible,wewillgiveyou20daysadvancenoticeofthecancellation.However,wemayactwithoutpriornoticeif:
§ webelievethatuseoftheCardmaycauselosstoyouortous;or§ webelievethatitisrequiredforsecuritypurposes;or§ youbreachanymaterialtermorconditionsofthisPDS,includingtheseTermsandConditions;or§ wesuspecttheCardhasbeenusedillegally.
IfwecancelyourCard,wewillgiveyounoticeassoonasreasonablypracticalafterwards.
WemayrevoketheCardatanytimewithoutcauseornotice.Ifweaskyouto,youmustsurrenderordestroytherevokedCardandyoumustnotusetherevokedCard.WhenyousurrendertheCard,youmustgiveusyourcorrectnameandcontactaddress.
OntherevocationorcancellationoftheCard,wewillpaytheAvailableBalancetoyouwhen:
§ wearesatisfiedthattherearenoun-cancelledorunexpiredauthorisationsorapprovalsonyourCard;§ wearesatisfiedthattherearenofurtheramountsthatwewillbedebiting,orthatweanticipatedebiting,
againsttheAvailableBalance;§ wearesatisfiedthefundsonyourCardbelongtoyou;§ ifEMLrequireit,EMLhavereceivedthesurrenderedorcancelledCardfromyou;and§ yougiveEMLinstructionstopaytheAvailableBalancebysendingittoyourQPayAccount.
15.18. ACCESSINGYOURAVAILABLEBALANCEIFYOUDON’THAVEACURRENTCARD
WhetherornotyouhaveacurrentCardtotransactagainstyourAvailableBalance,youmayinstructusorQPaytopaytheAvailableBalancebysendingittoyourQPayAccount(FundsRedemptionRequest).YoumaybeabletodothisthroughtheWebsiteorbycontactingus.WedonothavetoprocessaFundsRedemptionRequestuntilwearesatisfiedofyouridentity.
UponreceivingaFundsRedemptionRequest,wewillpaytheAvailableBalancetoyouwhen:
§ wearesatisfiedthattherearenoun-cancelledorunexpiredauthorisationsorapprovalsontheCard;and§ wearesatisfiedthattherearenofurtheramountsthatwewillbedebiting,orthatweanticipatedebiting,
againsttheAvailableBalance;and
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§ ifwerequireit,wehavereceivedanysurrenderedorcancelledCardsfromyou.
15.19. LIABILITIESANDDISCLAIMERS
Wearenotliable:
§ if,throughnofaultofourown,theAvailableBalanceisnotenoughtocoveratransaction;§ if,throughnofaultofourown,aterminalorsystemdoesnotworkproperly;§ ifcircumstancesbeyondEMLcontrolpreventatransaction,despiteanyreasonableprecautionshavingbeen
takenbyus;§ foranylossresultingfromanyfailureduetoeventsoutsideourreasonablecontrol;§ foranylossresultingfromanysystemfailureorindustrialdisputeoutsideourreasonablecontrol;§ foranyindustrialdispute;§ foranyATMrefusingtoorbeingunabletoaccepttheCard;§ forthewayinwhichanyrefusaltoaccepttheCard;§ foranyindirect,specialorconsequentiallosses;§ foranyinfringementbyyouofanycurrencylawsinthecountrywheretheCardisissuedorused;§ foranydisputebetweenyouandthesupplierofanygoodsorservicespurchasedwiththeCard;§ forourtakinganyactionrequiredbyanygovernment,federalorstatelaworregulationorcourtorder;or§ foranythingspecificallyexcludedorlimitedelsewhereintheseConditionsofUse.
However:
§ yourliabilityforUnauthorisedTransactionswillbedeterminedaccordingtotheePaymentsCode;and§ wewillnotavoidanyobligationtoyouundertheePaymentsCodeonthebasisthatanotherpartytoashared
electronicpaymentsnetwork(towhichwearealsoaparty)hascausedthefailuretomeettheobligation.
OurliabilityinanyeventshallnotexceedtheamountoftheAvailableBalanceexceptinrelationto:
§ UnauthorisedTransactions;and§ consequentiallossesarisingfromamalfunctionofasystemorequipmentprovidedbyanypartytoashared
electronicnetwork(unlessyoushouldreasonablyhavebeenawarethatthesystemorequipmentwasunavailableormalfunctioning,inwhichcaseourliabilityislimitedtocorrectinganyerrorsandrefundinganyfeesorchargesimposedonyou).
IfanywarrantiesorconditionsareimpliedbecauseofPart2oftheAustralianSecuritiesandInvestmentsCommissionAct2001oranysimilarlawinrespectofservicessuppliedundertheseTermsandConditionsorinconnectionwiththeCard,thenourliabilityforabreachofsuchawarrantyorconditionwillinanyeventbelimitedto:
§ thesupplyingoftheservicesagain;or§ thepaymentofthecostofhavingtheservicessuppliedagain.
EMLdoesnotmakeorgiveanyexpressorimpliedwarrantyorrepresentationinconnectionwiththeCard(includingqualityorstandardorfitnessforanypurpose),otherthanassetoutinthePDSandtheseTermsandConditionsorwhenthewarrantyorrepresentationisimposedorrequiredbylawandcannotbeexcluded.
AnyfailureordelaytoenforceatermoftheseTermsandConditionsdoesnotmeanawaiverofthem.
15.20. ANTI-MONEYLAUNDERINGANDCOUNTERTERRORISMFINANCINGOBLIGATIONS
EMLissubjecttotheAnti-MoneyLaunderingandCounter-TerrorismFinancingAct2006andtherulesandothersubordinateinstrumentsundertheAct(AML/CTFLaws).BeforetheCardcanbeactivated,EMLisobligedtocollect
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certainidentificationinformationfromyou(andverifythatinformation)incompliancewiththeAML/CTFLaws.Customeridentificationinformationmayincludedetailed'knowyourcustomer'(KYC)informationabouttheCardholdersuchas:
§ name,and§ address,and§ dateofbirth.
EMLmaybeprohibitedfromofferingservicesorenteringintoorconductingtransactionswithyouifyoudonotprovidethisinformation.
Youshouldbeawarethat:
§ EMLisnotrequiredtotakeanyactionorperformanyobligationunderorinconnectionwiththeCardifitisnotsatisfiedastoyouridentity,orwheretherearereasonablegroundstosuspectthatbydoingsoitmaybreachtheAML/CTFLaws;
§ transactionsmaybedelayed,blocked,frozenorrefusedwherewehavereasonablegroundstobelievethattheybreachAustralianlaworsanctions(orthelaworsanctionsofanothercountry).Wheretransactionsaredelayed,blocked,frozenorrefused,EMLisnotliableforanylossyousuffer(includingconsequentialloss)howsoevercausedinconnectionwithyourCard;
§ EMLmayfromtimetotimerequireadditionalinformationfromyoutoassistusintheabovecomplianceprocess;and
§ wherelegallyobligedtodoso,EMLwilldisclosetheinformationgatheredtoregulatoryand/orlawenforcementagencies,QPay,otherbanks,serviceprovidersortootherthirdparties.
YouprovideEMLwiththefollowingundertakingsandindemnifyEMLagainstanypotentiallossesarisingfromanybreachbyyouofsuchundertakings:
§ youwillnotinitiate,engageoreffectatransactionthatmaybeabreachofAustralianlaworsanctions(orthelaworsanctionsofanyothercountry);and
§ theunderlyingactivityforwhichyourCardisbeingprovideddoesnotbreachanyAustralianlaworsanctions(orthelaworsanctionsofanyothercountry).
15.21. PRIVACYANDINFORMATIONCOLLECTION
EML(inthisPrivacyStatementreferredtoas"we"),collectsyourPersonalInformationsothatwecanestablishandadministertheCardprovidedtoyou.WemayalsouseyourPersonalInformationto:
§ tellyouaboutproductsandservicesofferedbyusorouraffiliatecompanies(unlessyoutellusnotto);and§ satisfyidentificationrequirementsundertheAnti-MoneyLaundering&Counter-TerrorismFinancingAct
2006(Cth)andtheRulesandothersubordinateinstrumentsunderthatActandsuchinformationmaybeexchangedwithverificationagencies(whichmaybeoverseas).
Withoutyourinformation,wecannotmaketheCardavailabletoyouandyoushouldnotapplyfortheproduct.
IfyouprovideuswithPersonalInformationaboutsomeoneelse,youshouldensurethatyouareauthorisedtodosoandagreetoinformthatpersonofthecontentsofthisnotice.
InformationwillbedisclosedtothirdpartiesabouttheCard,ortransactionsmadewiththeCard,wheneverallowedbylawandwhennecessary:
§ forcompletingatransaction;or§ inordertoverifytheexistenceandconditionofaCard;or§ toutiliseservicesofaffiliateswhoassistinprovidingaCard;or
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§ ifyougiveuspermission;or§ ifyouoweusmoney;or§ iftherearelegalproceedingsoracomplaintinconnectionwiththeCard;or§ toprotectagainstpotentialfraudandothercrimes.
WewillnotdisclosureyourpersonalinformationoutsideAustralia.
ByapplyingforandusingtheCard,youconsenttouscollecting,usinganddisclosingyourpersonalinformationunderthesetermsandconditionsinthemannerdescribedabove.
OurPrivacyPoliciessetsouthowyoucanaccessandcorrectinformationweholdaboutyou,howyoucancomplainaboutabreachbyusofyourprivacyrightsandhowyourcomplaintwillbehandled.OurPrivacyPoliciesareavailableat:
EML: https://www.emlpayments.com/privacy
QPay: http://www.getqpay.com/privacy
YoumaycontactEML’sPrivacyOfficerinrelationtoyourPersonalInformation(ortooptoutofmarketing)[email protected].
YoumaycontactQPayPrivacyOfficerinrelationtoyourPersonalInformation(ortooptoutofmarketing)[email protected].
15.22. COMMUNICATIONS
YouagreethatwemaygivewrittennoticesorothercommunicationstoyouunderorinconnectionwiththeseTermsandConditions(includinginformationundertheePaymentsCodesuchasstatements)byeither:
§ sendingthenotice,informationorcommunicationusingElectronicCommunication;or§ usingElectronicCommunicationtonotifyyouthatthenotice,informationorcommunicationisavailable
fromanelectronicaddress(suchastheWebsite)
YoumayvaryyournominatedemailaddressforElectronicCommunicationbynotifyingusthroughtheWebsiteandsatisfyingusofyouridentity.
Inaddition,wemaygiveyounotices,informationorothercommunicationstoyourelatingtotheCard(includinginformationundertheePaymentsCodesuchasstatements):
§ bywritingtoyouatyourresidentialorpostaladdresslastknowntous;§ bygivingittoyoupersonallyorleavingitatyourresidentialorpostaladdresslastknowntous;§ byElectronicCommunicationtoyouremailaddressorfaxnumberlastknowntousorwhichyoulastgaveus
forsendingnoticesandcommunicationstoyou;or§ ifthenoticeorcommunicationisnotpersonaltoyou–bypublishinganoticeinanewspapercirculating
nationallyinAustraliaorbypostingittotheWebsite.
Ifwegiveanotice,informationorothercommunicationtoyou:
§ electronically–youaretakentohavereceiveditonthedayitistransmitted;§ bywritingtoyou–youaretakentohavereceiveditwhenitwouldbedeliveredintheordinarycourseofthe
post;or§ bygivingittoyoupersonallyorleavingitforyou–youaretakentohavereceiveditonthedayofdelivery.
Youagreethat,forthepurposeoftelephonecommunicationsoriginatedorreceivedbyusandforthepurposeofElectronicCommunicationsreceivedbyusorthroughtheWebsite,we:
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§ mayverifyyouridentitybyreferencetoanyoralloftheinformationgivenbyyouwhenapplyingfortheCardorduringtheCardactivationoranychangesmadetothisinformation;and
§ mayproceedonthebasisthatwearesatisfiedbythatverification.
15.23. KEEPINGYOURCONTACTDETAILSUPTODATE
YoumustnotifyusimmediatelyofanychangetoyouraddressandothercontractdetailsbyupdatingyourdetailsthroughtheWebsite.Wewillnotberesponsibleifyoudonotreceiveanynoticeorcorrespondencethathasbeensentinaccordancewiththecontactdetailsyouhaveprovided.
Weacceptnoresponsibilityorliabilityforlate,lostormisdirectedSMSmessagesoremailscausedbyinaccurateprovisionofpersonaldetailsbyyou,orbysystemconstraintsorfailuresexperiencedbyyouremailormobilephoneserviceproviders.
15.24. CHANGESTOTHESETERMSANDCONDITIONS
WemaychangetheseTermsandConditionsandanyinformationinthisPDSrelatingtotheTermsandConditions(includingfeesandchargesandloadandtransactionlimits)atanytimewithoutyourconsentforoneormoreofthefollowingreasons:
§ tocomplywithanychangeoranticipatedchangeinanyrelevantlaw,codeofpractice,guidanceorgeneralbankingpractice;or
§ toreflectanydecisionofacourt,ombudsmanorregulator;§ toreflectachangeinoursystemsorprocedures,forsecurityreasons;or§ asaresultofchangedcircumstances(includingbyaddingbenefitsornewfeatures);or§ torespondproportionalitytochangesinthecostofprovidingtheCard;or§ tomakethemclearer.
Exceptinthecaseofchangestofeesandchargesortheintroductionofanewfeeorchargeandanychangesthatarenotmateriallyadverse,wewillnotifyyouatleast20daysbeforeanychangestotheseTermsandConditionstakeeffect.
Ifthechangeinvolvesanincreasetoourfeesandchargesortheintroductionofanewfeeorcharge,wewillgiveyounoticeatleast30daysbeforethechangetakeseffect.
WewillnotifyyouoftheabovechangestotheseTermsandConditionsbysendinganindividualnoticetoyou(eitherbygivingittoyoupersonallyorbyelectroniccommunication).
IfachangetothisPDS,includingtheseTermsandConditions,isnotmateriallyadverse,wemayupdatetheinformationbymakinginformationaboutthechangeavailableontheWebsite.Youcanobtainapapercopyofthisinformationonrequestfreeofcharge.
However,changesnecessitatedbyanimmediateneedtorestoreormaintainthesecurityofthesysteminwhichtheCardisusedcanbemadesubjecttothelawandtheePaymentsCodewithoutpriornotice.
15.25. THEWEBSITE
AlthoughconsiderableeffortisexpendedtomaketheWebsiteandanyotheroperatingcommunicationchannelsavailableatalltimes,nowarrantyisgiventhatthesechannelswillbeavailableanderrorfreeeveryminuteofeveryday.
Youagreethatwearenotresponsiblefortemporaryinterruptionsinserviceduetofailurebeyondourcontrolincluding,butnotlimitedto,thefailureofinterconnectingoperatingsystems,computerviruses,andforcesofnature,labordisputesandarmedconflicts.
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15.26. GOVERNINGLAW
AnylegalquestionsconcerningtheseTermsandConditions,theagreementbetweenyouandus(whichisgovernedbytheseTermsandConditions)ortheCardwillbedecidedunderthelawsofQueensland,Australia.
AnylegalproceedingsconcerningtheseTermsandConditions,theagreementbetweenyouandEML(whichisgovernedbytheseTermsandConditions)ortheCardmaybeconductedinthecourtsatBrisbane,Queensland,Australia.