Terms and Conditions – Usage of Federal Bank on Google Pay
ADDENDUM TO DEBIT CARD CARDHOLDER AGREEMENT
Applicable to Mobile Debit Card stored in the Google Pay mobile application of your eligible device, for making following type of transactions, wherever applicable:
(1) Tap to Pay NFC enabled POS transactions.
(2) Scan & Pay Bharat QR code based payments at online & offline merchants.
(3) Payments on services built within Token Requestor mobile application.
(4) Online payments at several online merchants.
IMPORTANT – Before you store and use your Mobile Debit Card, please read these Terms and Conditions and the Cardholder Agreement carefully. By storing and using your Mobile Debit Card, you will be considered to have accepted these Terms and Conditions and the Cardholder Agreement and will be bound by them. The terms used in these Terms and Conditions are defined at the end.
- Terms and Conditions supplement Cardholder Agreement
(a)The Cardholder Agreement applies to your Mobile Debit Card. References in the Cardholder Agreement to "Card" and "Card Transactions" include your Mobile Debit Card and your Mobile Debit Card Transactions respectively. (b) These Terms and Conditions supplement the Cardholder Agreement and, together, they govern your Mobile Debit Card. If there is any inconsistency between the provisions of these Terms and Conditions and the provisions of the Cardholder Agreement, the provisions of these Terms and Conditions prevail.
- Registering, storing and activating Mobile Debit Card
(a)You may store a digital version of your Debit card (i.e. Mobile Debit Card) on Google Pay r for payment feature on your device only if your FEDERAL BANK Debit Card is of a type and/or card scheme designated by us from time to time and is in good standing.
(b) FEDERAL BANK allows the user to register for certain types of Federal Bank Debit Cards on Token Requestor which will be defined from time-to-time.
(c) You should follow the instructions of Token Requestor payment feature (including installation of the latest operating system for your eligible device), and the registration and verification flow in order to register and store the Mobile Debit Card in your mobile wallet.
(d) By registering a Mobile Debit Card on Token Requestor, you consent to us sending SMS message to you for verification and activation purpose, if applicable, based on your phone number last recorded with us. If the phone number last recorded with us is not the phone number of your eligible device, the SMS will be sent to the phone number last recorded with us but not to your eligible device. If we do not have record of your phone number, we cannot send SMS to you in which event you will need first update your correct phone number with Federal Bank and then follow the steps again to register, store and activate your Mobile Debit Card. e) The cardholder authorizes Federal Bank to receive cardholder’s information (such as billing PIN code, device details – ID, IP address, location, wallet ID, etc.) from Token Requestor, if applicable, to provide services in connection with operation of his/her card account. f) Upon successful completion of Tokenization, following services shall be activated by default:
- Tap & Pay at NFC enabled payment terminals.
- Bharat QR code-based Payments made to online & offline merchants.
- Recharges & Bill payments on Google Pay.
- Online payments on various merchants’ Apps.
- Card holder’s responsibility
(a)Please take appropriate security measures including the following to avoid any risk which may arise from or in connection with your Mobile Debit Card. We are not liable for any such loss. i. Safeguard your eligible device and Token Requestor and keep them under your personal control at all times ii. DO NOT allow anyone else to use or log on to your eligible device and Token Requestor iii. DO NOT store anyone else’s fingerprint or biometric credentials in your eligible device iv. DO NOT choose obvious numbers as device passcode (such as date of birth, telephone number, number with same digits or other that can be easily guessed or identified by shoulder surfing) or tell anyone else your device passcode or write down or keep your device passcode close to your eligible device v. DO NOT install or launch Federal Bank app in a smartphone or other device with any pirated, hacked, fake or unauthorised application or where the software lockdown has been overridden (such as a "jailbroken" or "rooted" smartphone or device) vi. Change the device passcode regularly and use alphanumeric code for device passcode vii. Remove the Mobile Debit Card from the Federal Bank App upon termination of your Mobile Debit Card
(b) You are fully responsible for any disclosure of your Federal Bank Debit Card details, device passcode or other security details relating to your eligible device, Token Requestor and Mobile Debit Card to any other person, even if such disclosure is accidental or unauthorised. You are required to bear all risks and consequences of your Token Requestor and Mobile Debit Card being used by unauthorised persons or for unauthorised purposes.
(c) You have to use an eligible device of a type or model specified by Token Requestor from time to time to register, store and use Mobile Debit Card in your mobile wallet. Token Requestor have the right to vary the type or model or withdraw an existing type or model of eligible device at any time without prior notice.
(d) You require internet connection, compatible telecommunications equipment and mobile phone service plan (if applicable) in order to register, store and use your Mobile Debit Card.
- Card account and credit limit
(a)Federal Bank Debit Card in its plastic card form and in its digital version (i.e. Mobile Debit Card) constitute one and the same card and share the same card account.
(b) All Mobile Debit Card transactions will be billed to card statement of the Federal Bank Debit Card. There will not be a separate statement for your Mobile Debit Card.
(c) Your Federal Bank Debit Card in plastic card form and your Mobile Debit Card share the credit limit of the same card account. There will not be a separate credit limit for your Mobile Debit Card.
- Transaction limits
(a)Cardholder can manage the following transaction limits for payment feature on Token Requestor using ‘Manage Payments’ section on Federal Bank Website and Federal Bank Mobile App for transactions like NFC, Bharat QR, In-app, MST, etc.: (1) Daily count of tokenized transactions, (2) Per tokenized transaction spend limit.
(b) Daily counter of tokenized transaction will be refreshed as per Indian Standard Time between mid-night to early morning.
- Mobile Debit Card transactions, ATM transactions & cash advance details
(a)You may make Mobile Debit Card transactions where Token Requestor’s payment feature is accepted for payment. We will not be responsible if any retailer refuses to accept your Mobile Debit Card.
(b) You cannot use your Mobile Debit Card for cash withdrawals or cash advance at ATM or over the counter. Your Mobile Debit Card may also be subject to certain transaction limits (for example, payment amount) imposed by regulator, retailers or payment terminals.
(c) Your mobile wallet may not be accepted at all places where your Federal Bank Debit Card is accepted.
- Limitation of our liability
(a)The limitation of our liability for Mobile Debit Card is governed by the cCardholder Agreement and Most Important Terms and Conditions document.
(b) We are not liable to refund you for any unauthorised transactions where you fail to take appropriate security measures including those provided in clause 3(a), clause 7(a) and clause 10.
(c) Federal Bank shall not be liable in any manner for any loss caused to the customers for the actions, omissions and negligence of a Token Requestor.
- Loss, theft or misuse report promptly
(a)You must tell us straight away using the telephone numbers on the back of your Issuer Debit Card if you notice or suspect any loss, theft, unauthorised possession, control or use of your Mobile Debit Card or eligible device, or if you believe someone else has used your Mobile Debit Card or eligible device, or has discovered the security details of your eligible device, Token Requestor or Mobile Debit Card or the security of your Federal BankDebit Card, Mobile Debit Card, Token Requestor or eligible device has been compromised in any other manner. Your liability for unauthorised transactions
(b) You will be liable for all unauthorised Mobile Debit Card transactions effected by your Mobile Debit Card before we receive report of loss, theft, disclosure or unauthorised use of your Mobile Debit Card.
(c) If you report loss, theft, disclosure or unauthorised use of your Mobile Debit Card in accordance with this Clause 7, your maximum liability for unauthorised Mobile Debit Card transactions is restricted as per clause 6 (b) of the card holder agreement. However, please note that the limit DOES NOT APPLY (and you will be liable for the full amount) if: i. You have knowingly (whether or not voluntarily) permitted any other person to use your Federal Bank app or Mobile Debit Card or eligible device; or ii. You have acted fraudulently or with gross negligence in using or safeguarding your Federal Bank app, Mobile Debit Card or eligible device. Your failure to follow any of the security measures recommended by us from time to time regarding the use or safekeeping of your Token Requestor, Mobile Debit Card or eligible device may be treated as your gross negligence.
- Fees and charges
(a)All applicable interest, fees and charges that apply to your Federal BankDebit Card will also apply to the Mobile Debit Card.
(b) You will bear all fees, charges and expenses imposed by any mobile phone service provider, telecommunications provider, retailer or for making transactions using your mobile wallet and the Mobile Debit Card.
- Termination of Mobile Debit card
(a)You shall follow the instructions of the Token Requestor to remove your Mobile Debit card from the Token Requestor payment feature should you wish to terminate the Mobile Debit Card. Termination of the Mobile Debit Card will not terminate the Federal BankDebit Card in plastic card form unless you also terminate it in accordance with the Cardholder Agreement.
(b) We have the rights to suspend, restrict or terminate your Federal BankDebit card under the Cardholder Agreement. These rights will be extended to your Mobile Debit Card. Your Mobile Debit Card will be suspended, restricted or terminated at the same time if your FEDERAL BANK Debit card is suspended, restricted or terminated under the Cardholder Agreement.
(c) We will also have the right to suspend, restrict or terminate the use of a Mobile Debit Card if your mobile wallet has been suspended, restricted or terminated by the mobile wallet provider for any reason, or if you have made a report to us under clause 7(a).
(d) Upon termination of physical Debit Card whether by you or by us, you must remove the Mobile Debit Card from your Federal Bank app based on the instructions provided. You should contact Federal Bank if you have any question on how to remove the Federal Bank app or the Federal Bank app from your eligible device.
(e) You are responsible for all Mobile Debit Card transactions whether or not authorised by you unless and until you have removed the Mobile Debit Card from your Federal Bank app and eligible device upon termination.
- Variation of this Addendum
We have the right to vary these Terms and Conditions from time to time with or without notice. You will be bound by a variation unless your Mobile Debit Card is terminated by you and removed from the Token Requestor and eligible device in accordance with clause 10 before the date on which that variation takes effect.
- Governing law, jurisdiction and version
(a)These Terms and Conditions are governed by and will be construed according to laws of India.
(b) You submit to the non-exclusive jurisdiction of the Delhi courts.
- Questions/ complaints If you have any questions or complaints about your Card, then please contact us at the telephone number on the back of your Card.
Definitions
- Token Requestor or mobile wallet is a mobile software application which works on the tokenization technology. It allows the Mobile Debit Card to be registered and stored to make payments using eligible device in several ways such as (1) Tap to Pay NFC enabled POS Transactions (2) Scan & Pay Bharat QR code based payments at online & offline merchants (3) Payments on services built within Token Requestor mobile application (4) Online Payments at several online merchants.
- Tokenization refers to replacement of actual card details with a unique alternate code called the “token”, which shall be unique for a combination of card, token requestor and device.
- Card Account means the card account referred to in the Cardholder Agreement.
- Cardholder Agreement means the cardholder agreement governing the supply and use of your issuer debit card.
- Device passcode means the access passcode of your eligible device and Federal Bank app.
- Eligible device means such model of smartphone, tablet or other device (such as watch) with in which a Mobile Debit Card can be registered and stored, as designated by us from time to time.
- Federal Bank Debit Card means the debit card issued by us in plastic card form of such type and/or card scheme designated by us from time to time.
- Mobile Debit Card means a digital version of your Federal Bank Debit Card which you store in the Token Requestor on your Eligible Device.
- Mobile Debit Card Transaction means any transaction effected by using your mobile debit card.