Terms applicable to e-wallets

As you are registering your Mastercard Prepaid Card in an e-wallet on your phone or other device (the "Device"), your Card Terms and Conditions continue to apply in full, however we would like to highlight some aspects requiring your attention as you start using your Card in the Device.

Safeguarding the security of your Card

After registering your Card in a Device, the Device is enabled to make payments with your Card and to view sensitive information such as your Card details and payment history.

You must take reasonable precautions to prevent any Device from being accessed by anyone else (for example ensuring that you do not share passwords, PINs or enable other people to access your Device by registering their fingerprint). To prevent fraudulent use of a Device, you must not choose Device security information that can be easily guessed by anyone else, or tell anyone what your Device security information is.

If you have already set up the security details to use your Device (the "Device Security Details") or if you have not enabled the Device Security Details before registering to store your Card details or downloading the App, you must review them and ensure that you enable them or change any Device Security Details that can be easily guessed or that you have already shared with anyone, and you must delete any fingerprint access that is not your own.

It is sometimes possible to activate certain devices to make payments by linking them to another Device where Card details are already registered. We will treat any device as your Device if you have either:

(1) actively paired it with another Device which has been registered to store Card details or is enabled to make payments; or

(2) linked it to the Device to which The App has been downloaded.

This means the consequences of failing to keep linked devices safe will be the same as for all other Card details and Personalised Security Features (for example, we may not be liable to refund you for unauthorised payments where you consent to them being used by others).

You must also not activate a payment session on any Device if you are not in full control of the Device or it is not in your possession at the time. If you consent to another person using your Device by allowing them to register their fingerprint in it, we will treat this as you failing to keep your Card and Personalised Security Features safe.

Before you dispose of your Device by, for example, selling or giving it to someone or if you pass your Device temporarily to someone, for example, for it to be repaired, you must delete your Cards from that Device.

If the Sub-account relating to a Card stored on a Device is closed, you must delete the Card from your Device.

If your Card, Device and/or Personalised Security Features have been lost or stolen or you suspect someone has used or tried to use them, you must call us straightaway on one of the numbers shown in your Agreement. The Personalised Security Features include all PINs, passwords and devices you use to access the App, Cards and Sub-accounts by any method (together the "Personalised Security Features"). This also includes any Card details in e-wallets, on retailer's websites or on devices such as mobile phones. If you have registered a Card on a Device this will include passwords and security processes used to access your Device (Device ID, passcodes or passwords) and any fingerprints or other biometric or identification methods stored in your Device.

We'll ask you to help us, and the police, with any investigation into the suspected misuse of your Card, Personalised Security Features or Device.

Using the Card

If you have registered your Card in a Device, you can use that Card to make payments to retailers who display the Mastercard Acceptance Mark and accept contactless payments. Contactless payment limits may apply to transactions authorised using a Card stored in a Device. These limits can vary between retailers and payment card terminals that are used and depend on the country where you are using the Device. We do not have control on such limits and we will not be responsible if a payment transaction is declined.

You can authorise a card payment using a Card stored on a Device by following the procedures notified to you by the device manufacturer or e-wallet provider. For example, these will include:

• at a retailer's premises by holding your device (e.g., your compatible smartphone or associated watch) within a few centimetres of a card reader and entering the Device Security Details requested (this includes any device security information and any fingerprints stored in your Device). You may also be required to activate your phone or device first or enter the Device Security Details before presenting the device to a card reader;
• to make an in-App purchase on your compatible device with a participating retailer by selecting to pay by that method and entering the security details requested for that type of payment (which may include your Device Security Details).

If you have stored more than one Card on a Device, you may be required to select a default card. When you authorise a payment, it will relate to your default card unless you actively select a different card.

We can suspend or restrict the use of a Card registered on a Device where:

• the service is no longer available to our customers; or
• you have notified the e-wallet provider, the device manufacturer or a mobile network provider to whom you have been advised to report your device as lost or stolen and they take steps to suspend the Cards registered in the Device.

We won't be responsible if you are unable to use a Card stored on a Device unless this is as a result of something we have done. This is because these services are not provided by DiPocket and we do not control the platform, e-wallet or device.