Other Documents and Agreements
Use of Cards in the Wallet
If you want to add a card to the Wallet, you must follow the procedures adopted by the Wallet Provider, any instructions provided by us, and any further procedures the Wallet Provider or we adopt. You understand that we may not add a card to the Wallet if we cannot verify the card, if your account is not in good standing, if we suspect that there may be fraud associated with your card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your card wherever the Wallet is accepted. The Wallet may not be accepted at all places where your card is accepted.
Removal, Blocking or Suspension of Card
We may not permit the addition of a card to the Wallet, or we may remove, suspend or cancel your access to the Wallet at any time, if we cannot verify the card, if we suspect that there may be fraud associated with the use of the card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.
You may suspend, delete or reactivate a card from the Wallet by following the Wallet Provider's procedures for suspension, deletion or reactivation. In certain circumstances, your card may be suspended or removed from the Wallet by the Wallet Provider.
Maximum Dollar Limit
Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use the Wallet to complete a transaction that exceeds these limits.
We do not charge you any fees for adding a card to the Wallet. Consult our financial service fees page for any applicable fees or other charges associated with your card.
Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your device or Wallet.
You must contact us immediately if your card is lost or stolen, if your device is lost or stolen, or if your card account is compromised. If you get a new device, you must delete all of your card and other personal information from your prior device.
You are required to contact us immediately if there are errors or if you suspect fraud with your card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.
You agree to protect and keep confidential your device, Wallet Provider and Wallet, user IDs and passwords (including your fingerprint image(s) for Touch ID, or your face or iris image, if applicable). If you share these credentials with others, they may be able to access the Wallet and make purchases with your card or obtain your personal information.
Before using the Wallet ensure that only your credentials are registered on your device as these will then be considered authorized to make transactions related to your card. If the credentials of another person are used to unlock your device or make transactions, these transactions will be deemed to be authorized by you.
You are prohibited from using a Wallet on a device that you know or have reason to believe has had its security or integrity compromised (e.g. where the device has been "rooted" or had its security mechanisms bypassed).
If you lose the device or if it is stolen, you can lock the Wallet and delete the data from the Wallet via instructions and services, offered by the Wallet Provider, to prevent use of the Wallet by others.
The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet.
Liability for Loss
You are solely responsible for all account transactions made using your card processed through the Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the card should add the card to the Wallet.
You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your card account. These communications will relate to your use of your card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications, but doing so may result in your inability to continue to use your card(s) in the Wallet.
No Warranty and Exclusion of Liability
Wallet payment transaction services are provided by the Wallet Provider, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which the Wallet is available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability of or operability of any wireless networks..
Credit Union will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical card with you to use in the event you cannot make Wallet transactions.
If you have any questions or complaints about, or disputes with, the Wallet, contact the Wallet Provider.
® Member Card is a registered certification mark owned by Canadian Credit Union Association, used under license.
® Mastercard is a registered trademark of Mastercard International Incorporated.