Introduction
These Terms of Use govern your use of the Google Payment Service to make a payment with an eligible Credit Union debit card (“card”) on any Android device (“device”) that supports the use of Google Wallet
Please read these Terms carefully. If you do not agree to these Terms, you may not use Google Wallet. If you add, activate or use your card for use of Google Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union card. "We", "us", and "our" mean Credit Union.
Other Documents and Agreements
These Terms are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms and the other agreements, then these Terms will take priority and govern with respect to the Google Payment Service.
You understand that your use of Google Wallet will also be subject to agreements or terms of use with Google LLC (“Google”) and other third parties (such as your wireless carrier and the websites and services of other third parties integrated into Google Wallet).
Use of Cards in Google Wallet
If you want to add a card to Google Wallet, you must follow the procedures adopted by Google, any instructions provided by us, and any further procedures Google or we adopt. You understand that we may not add a card to Google 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. Google Wallet allows you to make purchases using your card wherever Google Wallet is accepted. Google 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 Google Wallet, or we may remove, suspend or cancel your access to Google 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 Google Wallet by following Google's procedures for suspension, deletion or reactivation. In certain circumstances, your card may be suspended or removed from Google Wallet by Google.
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 Google Wallet to complete a transaction that exceeds these limits.
Applicable Fees
We do not charge you any fees for adding a card to Google Wallet. Please consult your card agreement for any applicable fees or other charges associated with your card.
Your mobile service carrier or provider, Google or other third parties may charge you service fees in connection with your use of your device or Google Wallet.
Security
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 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 Google User ID and Google passwords. If you share these credentials with others, they may be able to access Google Wallet and make purchases with your card or obtain your personal information.
Before using Google Wallet you should 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 Google 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).
Google is responsible for the security of information provided to Google or stored in Google Wallet.
Liability for Loss
You are solely responsible for all account transactions made using your card processed through Google Wallet. You are responsible for the completeness and accuracy of the account information you enter into Google Wallet. Only the individual member whose name is associated with the card should add the card to Google Wallet.
Privacy
You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from Google such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of Google Wallet and any Google Wallet features you may select (for example, your name and details such as card number and expiry date).
Google may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and Google may share information reasonably required for such purposes as fraud detection and prevention (for example, informing Google if you notify us of a lost or stolen device).
Communications
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 Google 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 Google Wallet.
No Warranty and Exclusion of Liability
For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.
Google Payment Service is provided by Google, 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 Google Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of Google Wallet or that Google Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which Google Wallet is available; (c) that Google Wallet will meet your requirements or that the operation of Google Wallet will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any device.
Credit Union will have no liability whatever in relation to Google Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of Google 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 Google Wallet transactions.
Changes to the Terms of Use
We may change these Terms or the agreements associated with the use of your card with Google Wallet. You agree to any changes to these Terms or agreement(s) associated with the use of your card or account by your continued use of your card with Google Wallet. If you do not accept the revised Terms or agreement(s), you must delete your card from Google Wallet.
Contacting Us
You may contact us about anything concerning your card or these Terms by calling the phone number found on our website.
If you have any questions or complaints about Google Wallet, or disputes with Google, you should contact Google.