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Bank of us Google Pay Conditions of Use

Google Pay allows you and any additional cardholder to make purchases at participating merchants, using an eligible Bank of us card loaded onto a compatible android device and registered with Google Pay, without entering a card number at the time of purchase.

For details on compatible android devices please see https://support.google.com/pay/

These Google Pay Conditions of Use apply each time an eligible Bank of us card registered on Google Pay is used on an android device to access the account linked to that card.

  1. Agreement to these Conditions of Use

When you add your eligible Bank of us card (“your card”) to Google Pay on your compatible android device, you are agreeing to these Conditions of Use.

These Conditions of Use form part of our Disclosure Documents and apply in addition to our:

  • Account and Access Facility Conditions of Use;
  • Summary of Accounts, Availability of Access Facilities and Transaction Limits;
  • Fees & Charges;
  • Financial Services Guide;
  • Privacy Policy; and, if relevant
  • Conditions of Use for Visa Credit Card.
  1. Google Pay provided by Google

Google Pay is provided by Google, not by us.

We are 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.

You must agree to Google's terms and conditions in order to register and use Google Pay.

  1. Using your card with Google Pay

Your card can be registered with Google Pay to make contactless payments at participating retailers and perform purchases at participating online merchants.

To add your card, you must follow the procedures provided by us. In doing so, we may require you to adequately identify yourself via a variety of mechanisms to authenticate your request to register your card with Google Pay. If we cannot authenticate your request to our satisfaction or if we suspect there may be attempted fraud, we may decline the request to add your card to Google Pay.

We must have your valid mobile number to send you text messages and a valid email address to send you the welcome notification.

Once your card is registered with Google Pay, you can use your android device and its security settings (such as passcode or biometric data) to authorise transactions on your account.

You can select Google Pay as the default 'tap & pay' application on your android device's settings to transact using Google Pay. In addition, you must have your card selected as your default card within Google Pay for Google Pay to use your card when completing a transaction. 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.

The transaction limits that apply to your card do not change as a result of you adding your card to Google Pay.

Fees and charges which apply to cards are described in our Fees & Charges document. We do not charge you any additional fees for adding or using your card with Google Pay. You are responsible for all third-party charges associated with the use of Google Pay such as carrier or mobile data charges.

Google Pay may not work when the android device is not within range of a cellular or wireless internet connection. If the android device has not had a cellular or wireless internet connection for an extended time there may be a delay before Google Pay works, once reconnected.

Google Pay may not be accepted outside of Australia, or at all places where your card is accepted.

Transactions performed via Google Pay will use a Device Account Number, rather than your card number. Merchant receipts will include the partially masked Device Account Number.

  1. Security of your android device

You must take reasonable steps to prevent unauthorised access to your android device. Anyone who has access to your android device could use it to perform transactions on your card using Google Pay. You must ensure:

  • only your fingerprint and no one else’s, is registered in your android device;
  • you do not allow anyone else’s fingerprint to remain registered on your android device after you have loaded your card;
  • you keep your android device safe and secure;
  • you lock your android device when you are not using it or when you are leaving it unattended;
  • you install up-to-date anti-virus software on your android device; and
  • you remove the card details from your android device before disposing of it.

If you allow another person’s fingerprint to be registered on your android device, or you share the device’s passcode, you will be taken to have authorised that person to carry out transactions from your android device.

These transactions will be taken as yours and could lead to you incurring significant loss.

You must notify us immediately if your android device is lost or stolen or you believe the security of your android device, or passcode to access the device, has been compromised.

  1. Suspension or Termination of Google Pay

We may suspend or terminate your use of Google Pay if:

  • your card is cancelled, blocked or suspended;
  • you breach these Conditions of Use, or the Conditions of Use listed under section 1;
  • we, Google or a card network provider reasonably suspects fraud;
  • if we are required to do so under any legislation or law, or if required to by a regulatory or government body;
  • if our arrangements with Google regarding Google Pay cease or are suspended; and
  • for any other reason we deem appropriate.

You may remove your card from Google Pay by following the instructions provided on your device by Google.

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 your card with Google Pay, you should remove the card from Google Pay prior to deleting/uninstalling the Google Pay application on your android device.

You can ensure your card cannot be used with Google Pay on your Android Device by:

  • removing the Google account to which the Bank of us card was added in Google Pay;
  • undertaking a factory reset of your android device; or
  • erasing your android device on Android Device Manager.

Your card may also be removed from Google Pay where the android device has not been connected to Google’s servers for at least 90 days.

  1. Data Collection and Privacy

You agree we may exchange information relating to your android device on which your card is registered and disclose your transaction history to Google in order to facilitate your Google Pay experience.

Google may also use your personal information for different purposes. Please review Google's terms and conditions and privacy policies carefully.

We may also exchange your information with other service providers (such as Visa) in order to facilitate any purchase you initiate via Google Pay.

By registering your card with Google Pay, you are providing consent for your information to be shared with these parties.

  1. Bank of us’ Liability

We will not be liable for any loss arising from your use of Google Pay to the extent the loss was caused by:

  • your contribution to the fraud;
  • your failure to adequately secure your device, or protect any passcode used to access your device;
  • your use of Google Pay or the android device in a manner not permitted by Google (for example, by obtaining root access to your android device); or
  • subject to your rights under the ePayments Code, a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers).

If you fail to comply with any of the requirements stated in this section, you are taken to have authorised any purchase made using Google Pay on your android device and as such, the transaction cannot be deemed as an unauthorised transaction.

  1. Changes to these Conditions

We may change these conditions at any time and will notify you in accordance with our standard terms. By using Google Pay you agree to us communicating with you electronically in relation to your set up and use of Google Pay and these conditions.

We may require you to confirm your acceptance of any change to these conditions prior to you continuing to use your card in Google Pay.

  1. Trademarks

Google, Android, Google Pay and associated logos are trademarks of Google LLC.

  1. Definitions

‘android device’ means a device such as a smartphone, tablet or smartwatch using an Android operating system, which Bank of us determines eligible for the registration of Bank of us cards to be used in Google Pay.

‘Bank of us’ means B&E Ltd trading as Bank of us ABN 32 087 652 088, AFSL & Australian Credit Licence 236870.

 ‘Device Account Number’ means the number created by the Scheme Provider and stored on your device. This number represents your card number and is used by Google Pay to process a Google Pay payment.

‘eligible Bank of us card’ means any Visa debit or credit card issued by Bank of us.

 ‘Google’ means Google Asia Pacific Pty. Ltd. ABN 54 341 015 381 and/or its related bodies corporate and affiliates.

‘Google Pay’ means the mobile payment and digital wallet service created by Google that lets users make purchases using compatible android devices and credit cards and debit cards registered on such android devices.

‘passcode’ means anything required to unlock an android device, including a password, passcode, pattern or biometric identifier (where applicable).

 ‘Scheme Provider’ means Visa Inc.

 ‘Service Provider’ means any third-party used to facilitate a Google Pay purchase.

 ‘we’, ‘us’ or ‘our’ means Bank of us.

Introducing Google Pay™

The small, small print:

Google, Android, Google Play and Google Pay are trademarks of Google LLC. This information is general information and does not take into account your personal circumstances. Before acquiring any financial product or payment facility, you should consider if the product or payment facility is appropriate for you. We recommend that you read the relevant Conditions of Use which is available at any Bank of us Retail Store, by calling 1300 306 716 or from our website www.bankofus.com.au, prior to applying.