These Terms and Conditions apply to your use of the Wirecard boon. mobile payment service through Apple Pay on an Apple device using the iOS or watchOS operating systems. Please read them carefully and keep a copy for your records. You can ask us at any time for a copy of these Terms and Conditions, our current rates of Fees, the current Usage Restrictions, and/or a statement of recent Transactions made through your boon. App.
The copyright and other intellectual property rights in the boon. App are owned by Wirecard Card Solutions Limited, a company registered in England and Wales with company number 07875693 (“Wirecard“) or its affiliated companies. Wirecard’s principal office is at Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1 6JQ. The underlying software in the boon. App is licensed to you and not sold.
Apple, Apple Pay, App Store, Apple Watch, iPad, iPhone, Touch ID, Apple Wallet and the Apple logo are trademarks of Apple Inc., registered in the United States of America and other countries.
In these Terms and Conditions:
“Apple Watch” means an Apple Watch that supports Apple Pay;
“Balance” means the electronic money loaded in your boon. Account using one of the topping up methods set out in section 2 of these Terms and Conditions;
“boon. Account” means the account created by Wirecard in your name which is linked to your boon. Card and into which top up payments are made in accordance with section 2 of these Terms and Conditions and from which payments out are made in accordance with section 3 of these Terms and Conditions;
“boon. App” means the application available for download free of charge from Apple’s App Store and which when installed on your Mobile Apple Device, allows you to execute a Transaction;
“boon. Card” means a virtual card issued by Wirecard in your name and which is linked to your boon. Account. You can view your boon. Card details in the App;
“boon. PIN” means the unique personal identification number which is set by you as part of the installation process;
“Business Day” means any day (other than a Saturday or Sunday) on which banks in London are open for normal banking business;
“Contact Methods” means the methods by which you may contact us:
Service Hotline:+44 (0)20 3695 7827. This is the phone number you call for all queries, actions and complaints regarding your boon. It is available from 07:00 to 19:00 (UK time) on Monday to Saturday, including on public holidays.
“E-Commerce Transaction” means a transaction initiated by you to purchase goods or services on the internet either using Apple Pay through your Mobile Apple Device or via a merchant website or mobile app using the boon. Card details.
“Fees” means the fees which we may charge you from time to time for us operating and you using your boon. Account. These may include:
fees for topping up your boon. Account (“Top-up Fee“);
ongoing monthly fees (“Monthly Fees“);
fees for using your boon. Card to make payments in a currency other than the one in which the boon. Account is set up (“Foreign Currency Fee”);
fees for redeeming your Balance (“Redemption Fee”); and/or
fees for undertaking investigations where you request that a Transaction is refunded (“Investigation Fee”).
The amount of Fees can change over time and the current Fee rates can be found in the annex, “boon. Fees and Usage Restrictions”, which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods.
“iPad” means an iPad that supports Apple Pay;
“iPhone” means an iPhone that supports Apple Pay;
“Mobile Apple Device” means a portable Apple device that supports Apple Pay, including (but not limited to) an iPhone or iPad.
“Payment Transaction” means a POS Transaction, an E-Commerce Transaction or a P2P Transaction;
“POS Transaction” means a transaction initiated by you through your iPhone or Apple Watch to purchase goods or services at a point of sale;
“Pre-loaded Credit” means any balance pre-loaded by us to your boon. Account;
“P2P Transaction” means a transaction initiated by you to transfer value from your boon. Account to the boon. account of another user. P2P Transactions are only available to boon. account holders who have upgraded successfully to “boon. PLUS”-level;
“Redemption Request” means a request from you to redeem your Balance in accordance with section 10 of these Terms and Conditions;
“Supported Apple Device” means an iPhone or iPad or an Apple Watch that supports Apple Pay.
“Transaction” means any transaction which can be executed from your boon. Account, including a Payment Transaction and/or a Redemption Request;
“Usage Restrictions” means usage restrictions applicable to your boon. Card and your boon. Account from time to time which form part of these Terms and Conditions and which are accessible in the annex, “boon. Fees and Usage Restrictions”, which can be found through your boon. App, or on the boon. website, or you can ask us using one of the Contact Methods;
“User”, “you” or “your” means the person who is identified as having downloaded and installed the boon. App through the registration with us of your full name, date of birth, residential address, nationality, e-mail address and mobile phone number; and
“Wirecard”, “we”, “us” or “our” means Wirecard Card Solutions Limited, a company registered in England and Wales with company number 07875693 and authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900051) for the issuing of electronic money.
Downloading and activating your App
To download the boon. App you must be at least 18 years old and own a Mobile Apple Device. Access the Apple App Store on your Mobile Apple Device (or, where available, scan the QR code from the brochure), and follow the download instructions. During the installation and registration process you will be asked to:
(a) provide your required personal details;
(b) set an account password, boon. PIN and security question; and
(c) read and accept these Terms and Conditions.
If you have not completed any of the steps set out in (a) to (c) above, you cannot complete the boon. App installation process.
By installing and activating your boon. App on your Mobile Apple Device you agree to use your boon. App, your boon. Card and your boon. Account in accordance with these Terms and Conditions.
Any Pre-loaded Credit will be available upon successful completion of the registration process.
As part of the installation process you will be required to:
(a) complete the Touch ID fingerprint process on your Mobile Apple Device; and
(b) complete the process on your Mobile Apple Device to connect your boon. Card to Apple Wallet.
Downloading or accessing your boon. App will use data, for which your existing agreement with your mobile phone provider for data usage will apply and you may incur charges with your mobile phone provider. You should consult your data usage agreement with your mobile phone provider for further details.
Topping up your boon. Account
Subject to the satisfactory completion of any required identity and other checks, you can top up your boon. Account as described in this section 2 of these Terms and Conditions with funds to be used for Payment Transactions.
The Balance on your boon. Account must never exceed any limits specified in the Usage Restrictions.
Detailed instructions on how to top up your boon. Account are set out within the boon. App.
You may top up your boon. Account by:
(a) making a transfer from a personal bank account held in your name; or
(b) using a credit card issued to you; or
(c) using a debit card issued to you.
Funds topped up in this way will be credited to your boon. Account without delay after the receipt of funds by us.
If as a result of a Transaction one or more of the limits set out in the Usage Restrictions will be exceeded, the Transaction will not be approved.
We reserve the right to refuse to accept any particular top up transaction or to disable any particular topping up method without notice in the interests of preventing fraud, money laundering or any other criminal activity.
We may charge you a Top-up Fee each time you top up your boon. Account. The amount of this Top-up Fee may change over time and the current Fee rates can be found in the annex, “boon. Fees and Usage Restrictions”, which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods.
Using your boon. Card within Apple Pay
Once your boon. App is activated, your boon. Account is topped up and your boon. Card is connected to Apple Wallet, and subject to technical availability and these Terms and Conditions in each case, you can use your boon. Card, up to the Balance, to carry out Payment Transactions.
You should make sure there is sufficient Balance in your boon. Account to cover the amount of a Transaction and any applicable Fees. We may refuse to carry out a Transaction if you have insufficient Balance to cover the amount of the Transaction and any applicable Fees.
You will not earn any interest on your Balance.
The Balance on your boon. Account is not a deposit and you do not have any right to seek compensation under the UK’s Financial Services Compensation Scheme if you suffer any financial loss of that Balance.
Detailed instructions on how to use Apple Pay are set out within Apple Pay and you will need to follow those instructions in order to use your boon. Card to carry out POS Transactions or E-Commerce Transactions using Apple Pay.
The amount which you can spend with your boon. Card may be limited by regulation (e.g. when using Apple Pay in a single contactless Payment Transaction), or by a merchant’s acceptance policies and implementation procedures.
We will deduct the value of your Transactions from the Balance on your boon. Account. We will also deduct any applicable Fees as soon as they become payable by you.
You agree not to damage, interfere with or disrupt access to the boon. App or do anything which may interrupt or impair its functionality, including, without limitation, by uploading or otherwise distributing files that contain viruses, corrupted files, Trojan horses, or any other similar software or programs that may be used to access, modify, delete or damage any data files, accounts or other computer programs used by Wirecard or other users of the boon. mobile payment system.
You will be asked to authorise each Transaction at the time it is initiated by you.
A Redemption Request will be regarded as authorised by you where you contact us to request redemption as described in section 10.2 of these Terms and Conditions.
A POS Transaction will be regarded as authorised by you through Apple Pay where you follow the instructions provided by the merchant to authorise the Payment Transaction using Apple Pay, which may include:
(a) holding your iPhone against a contactless terminal for the purpose of making a payment and positioning your identifying finger on the Touch ID fingerprint sensor of your iPhone; or
(b) holding your Apple Watch against a contactless terminal for the purpose of making a payment and allowing the verification to operate by skin contact; or
(c) signing a sales voucher.
An E-Commerce Transaction will be regarded as authorised by you where you follow the instructions provided by the merchant to authorise the E-Commerce Transaction, which may include:
(a) selecting Apple Pay on the internet or in App for the purpose of making a payment and positioning your identifying finger on the Touch ID fingerprint sensor of your Mobile Apple Device or using your Apple Watch for allowing the verification to operate by skin contact; or
(b) providing the boon. Card details as requested by the merchant to process and authorise the E-Commerce Transaction.
A P2P Transaction will be regarded as authorised by you where you (in the boon. App):
(a) select the identity of the boon. account you wish to transfer funds to (by the relevant account holder’s mobile number); and
(b) enter your password or position your identifying finger on the Touch ID finger print sensor of your Mobile Apple Device. To successfully carry out a P2P Transaction, both you and the recipient boon. account holder must be upgraded successfully to “boon. PLUS”-level and have active boon. accounts.
You can withdraw or revoke your authorisation for a Transaction at any time until it is received by us. Authorisation for a Transaction may not be withdrawn (or revoked) by you once we have received it.
Your authorisation for a Transaction will be received by us as follows:
(a) for POS Transactions or E-Commerce Transactions, at the time we receive the POS Transaction or E-Commerce Transaction instruction from the merchant acquirer;
(b) for P2P Transactions, at the time we receive the instruction from you via the boon. App; and
(c) for Redemption Requests, at the time we receive the request from you in accordance with section 10.2 of these Terms and Conditions.
Subject to sections 4 and 5 of these Terms and Conditions, where a Transaction:
(a) is to be made in any currency of a member of the European Union, we shall ensure that the payment will be credited to the recipient’s account by the end of the Business Day following our receipt of your authorisation;
(b) is to be made wholly within the European Union but in another currency, we shall ensure that the payment will be credited to the recipient’s account by the end of the fourth Business Day following our receipt of your authorisation.
Blocking your boon. App or boon. Card and refusing Transactions from your boon. Account
We may at any time suspend, restrict or cancel your boon. App or boon. Card, or suspend or restrict access to your boon. Account, or refuse to issue or replace the boon. App or boon. Card for reasons relating to the following:
(a) we are concerned about the security of the boon. App or the boon. Card that we have issued to you;
(b) we suspect your boon. App., your boon. Card or your boon. Account is being used in an unauthorised, illegal or fraudulent manner;
(c) we need to do so to comply with the law of any jurisdiction;
(d) you tell us that your Supported Apple Device is lost or stolen as further detailed in section 8; or
(e) if the contract between us has been cancelled as further detailed in section 6.
Unless informing you would compromise reasonable security measures or otherwise be unlawful, where practicable we will inform you by phone or email, giving our reasons, before suspending, restricting or cancelling your boon. App or boon. Card, suspending or restricting access to your boon. Account, or refusing to issue or replace the boon. App. or boon. Card. If not practicable to inform you in advance, we will inform you immediately afterwards, giving our reasons.
We will unblock your boon. App, boon. Card and/or your boon. Account as soon as practicable after the reasons for stopping its use cease to exist and will inform you by phone or email when we have unblocked the boon. App, boon. Card and/or your boon. Account.
We may refuse to carry out a Transaction if:
(a) the Balance loaded in your boon. Account at the time of a Transaction is insufficient to cover the amount of the Transaction and any applicable Fees;
(b) we believe that you are acting in breach of these Terms and Conditions;
(c) we believe that a Transaction is potentially suspicious or illegal; or
(d) due to errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors, card networks or payment schemes processing Transactions.
If we refuse to carry out a Transaction, unless informing you would compromise reasonable security measures or be otherwise unlawful, we will inform you at the earliest opportunity and in any event by the end of the Business Day following the day we have received the Transaction request. For POS Transactions, normally we will inform you with an error message on the merchant’s contactless terminal and a receipt showing that payment has not been made, although in some instances we may inform you by phone or e-mail. For E-Commerce Transactions and P2P Transactions, an error message will appear on screen to show that payment has not been made. You can contact us using any of the Contact Methods to ask for our reasons for refusing to carry out that Transaction and for an explanation of how you can correct any information we hold that led to our refusal to approve a Transaction.
You may correct any information we hold and which may have caused us to refuse a Transaction by contacting us via any Contact Method.
Cancelling your boon. App, boon. Card and boon. Account
The contract between us which is set out in these Terms and Conditions will continue until cancelled in accordance with this section 6.
You have the right to cancel the contract between us, which is set out in these Terms and Conditions, at any time without notice by using any of the Contact Methods. You will need to cancel this contract if you are upgrading your Mobile Apple Device to a mobile device which runs another operating system, or if you are giving up the mobile telephone number with which your boon. App is associated.
We may cancel the contract with you, with immediate effect, by giving written notice if you break an important part of these Terms and Conditions, including:
(a) if you repeatedly break these Terms and Conditions and fail to resolve the matter to our satisfaction in a timely manner;
(b) if you act in a manner that is threatening or abusive to our staff or anyone acting on our behalf;
(c) if you fail to pay when due any Fees or charges that you have incurred; or
(d) in the event of your death or incapacity.
We may cancel the contract with you for any reason by giving you at least 2 months’ written notice.
We may also cancel the contract with you with immediate effect and/ or suspend your boon. App, boon. Card and/or your boon. Account immediately if:
(a) we believe your boon. App, boon. Card and/or your boon. Account is deliberately being used by you or anyone else to commit fraud or for other illegal purposes; or
(b) if arrangements between Wirecard and its affiliates and Apple Inc. and its affiliates enabling the participation of the boon. mobile payment service within Apple Pay are suspended or otherwise cease for any reason.
If we do this, we will tell you by phone or e-mail as soon as we are permitted to do so and you must stop using your boon. App, boon. Card and your boon. Account.
If we or you cancel the contract between us, then as soon as we are permitted to do so (and normally within 5 Business Days after you contacted us where you cancel this contract) we will return any Balance remaining in your boon. Account (after the deduction of all pending Transactions and applicable Fees) to you. Please note that in order to comply with applicable legal and regulatory requirements, including anti-money laundering and terrorist financing requirements we may need:
(a) to verify your identity; and
(b) to return that Balance to a personal bank account in your name which you have previously used to top up your boon. Account and you should tell us which account you prefer by using one of the Contact Methods.
Once the contract between us has been cancelled, you will not be entitled to a refund of money you have already spent on Transactions authorised or pending, or any Fees for use of the boon. Account incurred before the contract between us was cancelled.
Keeping your boon. App and boon. Card secure
You should treat your boon. App, boon. Card, user identifiers, passwords and your boon. PIN with the same level of care and diligence as if they were cash and you undertake to us that you will not disclose them, or allow them to be used by anyone else.
If your Supported Apple Device is lost or stolen, or if you suspect that someone else has access to your boon. App or boon. Card or knows your user identifiers, passwords or your boon. PIN, please follow the instructions set out in section 8 below. Note you may lose some or all of your Balance in the same way as if you lost cash in your wallet or purse.
You are responsible for setting your boon. PIN. The boon. PIN needs to meet following requirements:
– it must consist of four digits
– at least three digits need to be different
– the digits must not appear in numerical order (e.g. 1234 would not be accepted as a boon. PIN).
You should memorise your boon. PIN and must keep it secret at all times. You should never disclose the boon. PIN or any other security information to anyone. If you suspect that someone else knows your boon. PIN, you should tell us and change it as soon as possible.
We have the right to disable any user identification code, password, or boon. PIN, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.
We recommend that you check the Balance and Transaction history through the boon. App. We will provide you with a statement of recent Transactions through the boon. App and you may wish to keep a screenshot of that statement for your records. Your statement will show:
(a) information relating to each Transaction which will enable it to be identified;
(b) the amount of each Transaction shown in the currency in which that Transaction was paid or debited to the boon. Account;
(c) the amount of Fees for each Transaction;
(d) the exchange rate (if any) which applied to each Transaction;
(e) where applicable, the amount of each Transaction following a currency conversion (if any); and
(f) for each Transaction, the date on which your authorisation was received by us as described in section 4.3 of these Terms and Conditions.
When you upgrade one of your Supported Apple Devices, you must delete the boon. App from your “old” Supported Apple Device and delete the boon. Card from Apple Wallet.
Reporting security breaches and unauthorised or incorrectly executed Transactions
If you know or suspect that:
(a) your Supported Apple Device with your boon. App has been lost or stolen, or
(b) someone else has access to your boon. App, or boon. Card, or
(c) your user identifiers, passwords or boon. PIN or any other security information is known to an unauthorised person, you must tell us immediately by calling us on 00800 9473 2270, which is available 24 hours a day.
If you think a Transaction that was not authorised by you has been processed or that a Transaction has been incorrectly executed, you must contact us immediately on our Service Hotline, which is available between 07:00 and 19:00 (UK time) on Monday to Saturday, including on public holidays. We may ask you to complete a declaration form and return it to us promptly.
We may investigate your claim that a Transaction has not been authorised by you and, where permitted by law, we may charge an Investigation Fee for doing so.
Provided that you notified us in accordance with section 8.2 above of any unauthorised/incorrectly executed Transaction without delay and at the very latest within 13 months of the debit date you may be entitled to a refund of that Transaction.
If you initiated a Transaction and the payee claims not to have received that payment Transaction, we shall make immediate efforts to trace the payment Transaction and shall notify you of the outcome. Unless we can prove that the payment Transaction was received by the payee’s payment services provider, we will refund the amount involved and restore the Balance on your boon. Account to the level at which it would have been if that particular Transaction had not occurred.
If we executed the Transaction in accordance with information that you provided to us, we shall not be liable to you for non-execution or defective execution if it transpires that the information you provided to us was incorrect. However, we shall make reasonable efforts to recover the funds involved in that Transaction and we may charge you for our costs of doing so.
If we were responsible for an incorrectly executed Transaction which you notified us of in accordance with section 8 above, we will refund the amount involved and restore the Balance on your boon. Account to the level at which it would have been if that particular Transaction had not occurred.
If the unauthorised Transaction arose from the loss, theft or misappropriation of your Supported Apple Device or of your boon. App, boon. Card, user identifiers, passwords or boon. PIN or any other security information, we will refund the amount involved, except the first £50, for which you will be liable.
If the unauthorised Transaction arose from you acting fraudulently or where, with intent or gross negligence, you failed to use the boon. App, boon. Card or your boon. Account in accordance with these Terms and Conditions (including the obligations to keep safe the boon. App, boon. Card, user identifiers, passwords and boon. PIN or any other security information), we will not make any refund and you will be liable for the full amount of all losses incurred.
Where any refund is due to you, we shall make it immediately or, if that is not possible, as soon as practicable following receipt of your claim or of any further information we may request in order to investigate your right to a refund. However, if, following investigation, we have reasonable grounds to believe that a refund was not in fact due to you for any reason, or that we have made too large a refund, we may reverse that previous refund and you may be liable for any loss we suffer from your use of the boon. App, boon. Card or your boon. Account.
Redeeming funds in your Account
You have a general right to redeem funds held in your boon. Account, except you have no right to redeem the Pre-loaded Credit.
You have the right to redeem the funds in your boon. Account (other than the Pre-loaded Credit) at any time in whole or in part, subject to the limitations in sections 3.2 and 10.1 above. To do so, please use any of the Contact Methods, requesting redemption and indicating the amount to be redeemed (before the deduction of any applicable Fees).
In order to process your Redemption Request, we may ask you to provide us with documents, evidence and other information to verify your identity to enable us to comply with applicable legal and regulatory requirements.
We may also charge a Redemption Fee if one of the following circumstances applies:
(a) you are requesting redemption before termination or expiry of these Terms and Conditions;
(b) you cancel these Terms and Conditions before any agreed termination or expiry date; or
(c) you request redemption more than one year after the date of termination or expiry of these Terms and Conditions.
The amount of this Redemption Fee may change over time and the current Fee rates can be found in the annex, “boon. Fees and Usage Restrictions”, which can be found through your boon. App, or on the boon. website, or you can ask us for a copy of our current Fee rates using one of the Contact Methods.
We may redeem the funds in your boon. Account, at our discretion, by arranging a refund to you and we shall ask you to confirm where that refund should be made, which should be to a personal bank account in your name which you have previously used to top up your boon. Account.
We will not be liable to you for any loss arising from:
(a) any unauthorised Transaction where you acted fraudulently or where, with intent or gross negligence, you failed to use the boon. App and your boon. Account in accordance with these Terms and Conditions (including the obligations to keep safe the boon. App, boon. Card and your boon. Account, user identifiers, passwords and boon. PIN or any other security information);
(b) any Transaction which we executed in accordance with information that you provided to us where it transpires that the information you provided to us was incorrect (although we shall make reasonable efforts to recover the funds involved in that Transaction);
(c) any abnormal or unforeseeable circumstances outside of our control, where we could not have avoided those consequences even though we made all efforts to do so;
(d) any merchant refusing to accept your boon. Card (through Apple Pay or otherwise);
(e) any failure of your Supported Apple Device, or Apple Pay, or any other equipment, software or services which are required for successful technical execution of a Transaction and over which we have no control; or
(f) our compliance with applicable legal or regulatory requirements.
We will also not be liable for:
(a) business interruption; or
(b) loss of revenue, reputation, goodwill, opportunity or anticipated savings; or
(c) any loss or damage whatsoever which does not stem directly from our breach of these Terms and Conditions.
We will use reasonable efforts to make the boon. App and the boon. Card available to you, but we will not be liable to you for any loss or damage arising if they, or Apple Pay, are unavailable at any time, or if access is interrupted.
Other than the losses set out in the paragraphs above (for which we are not liable) and subject to the paragraphs below, our maximum aggregate liability under or in connection with these Terms and Conditions whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to £200 in any 12 month period.
Nothing in these Terms and Conditions shall limit or exclude our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
Wirecard does not warrant or promise that the boon. App will meet your requirements or that the operation of the boon. App and boon. Card will be uninterrupted or error free or that the boon. App will be free from any viruses, corrupted files, Trojan horses, or any other similar software or programs that may be used to access, modify, delete or damage any data files or other computer programs used by you or that defects in the boon. App will be corrected (although we will endeavour to help you where we can if you contact us via the relevant Contact Method).
You are responsible for configuring your information technology, computer programmes and platform in order to access the boon. App and Apple Pay. You should use your own virus protection software.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer or other device or equipment, computer programs, data or other proprietary material due to your use of the boon. App or Apple Pay.
You shall use the boon. App and boon. Card at your own risk
Ownership and protection of information
All intellectual property rights in the boon. App throughout the world belong to Wirecard. Rights in the boon. App are licensed (not sold) to you, and you have no rights in, or to, the boon. App other than the right to use it in accordance with the terms of these Terms and Conditions. You have no right to have access to any underlying software in source code form or in unlocked coding or with comments.
Aspects of the boon. App, including the specific design and structure of individual programs, form part of Wirecard’s trade secrets and/or copyrighted material. You therefore agree not to disclose, provide, copy or otherwise make available such trade secrets or copyrighted material in any form to any third party without Wirecard’s prior written approval.
Apple, Apple Pay, App Store, Apple Watch, iPad, iPhone, Touch ID, Apple Wallet and the Apple logo are trademarks of Apple Inc., registered in the United States of America and other countries.
Changes to these Terms and Conditions
We reserve the right to change the Terms and Conditions at any time. We will take into account your interests affected by the intended changes and will only make changes that we consider to be reasonable. Changes to exchange rates will take effect immediately where they move in your favour or where they result from a change to the reference rate of Mastercard from time to time. For all other changes, we will give you at least two months’ prior written notice via e-mail or directly within your boon. App of any intended change to the Terms and Conditions and we will provide you with the new version of the Terms and Conditions. If you do not agree with the proposed change you must tell us via one of the Contact Methods before that change takes effect, otherwise you will be deemed to have accepted the change to the Terms and Conditions.
Fees and Usage Restrictions
Details of the Fees and charges relating to your boon. App, your boon. Card and your boon. Account are listed in these Terms and Conditions, and the Fee rates applying from time to time can be accessed via your boon. App or on the boon. website or you can ask us for a copy of our current Fee rates using one of the Contact Methods. All usage restrictions relating to your boon. App, your boon. Card and your boon. Account are described in the Usage Restrictions summary which can be accessed on your boon. App. By accepting the Terms and Conditions and activating your boon. App you agree to pay all applicable Fees relating to your use of the boon. App, your boon. Card and your boon. Account as set out in these Terms and Conditions.
You confirm that any information you provide us with is true, accurate and up-to-date. You confirm that you will let us know immediately by contacting us at firstname.lastname@example.org if you change your personal details. You may also update your residential address and email address by following the instructions within your boon. App. If we contact you in relation to your boon. App, your boon. Card or your boon. Account we will use the most recent contact details you have provided to us.
Data Protection and how we use your information
If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any other relevant information.
We may assign our rights and obligations under these Terms and Conditions to another company (including to Wirecard Bank AG) at any time, on giving you 2 months’ prior written notice of this. If we do this, your rights under these Terms and Conditions will not be affected.
If you have a complaint about the boon. mobile payment service please tell us by using the Service E-mail (email@example.com) so we can investigate the circumstances for you. We will aim to deal quickly and fairly with any complaints you have about the boon. mobile payment service.
If we do not resolve your complaint about the boon. mobile payment service, you may be able to refer it to the UK Financial Ombudsman Service who offer a free complaints resolution service to individuals, micro-enterprises, small charities and trustees of small trusts. You can contact the UK Financial Ombudsman by telephone on: from inside the UK: 0300 123 9123 or 0800 023 4567; from other countries: +44 20 7964 0500 on Monday to Friday, 8am to 8pm and on Saturday 9am to 1pm or by post at The Financial Ombudsman Service, Exchange Tower, London E14 9SR or by email: firstname.lastname@example.org. The UK Financial Ombudsman Service is also available in a number of different languages and if you need it you will be put in touch with a translator when you contact the UK Financial Ombudsman Service.
If you have a complaint about Apple Pay, you will need to raise that complaint with Apple Inc. through the channels provided within Apple Pay.
Disputes with merchants
If you have any disputes about purchases made using your boon. Card through Apple Pay, you should settle these with the person from whom you bought the goods or services. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased using the boon. mobile payment system. Remember that once you have used your boon. Card to make a purchase through Apple Pay we cannot stop that Transaction.
If any court or competent authority finds that any provision in these Terms and Conditions (or any part of any provision) is invalid, illegal or unenforceable, that provision (or part) shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms and Conditions shall not be affected.
Governing law and language
These Terms and Conditions are governed by English law and are subject to the exclusive jurisdiction of the English Courts. These Terms and Conditions are in English and all communications with you will be in English.
In this policy, we use the terms “we“, “us“, and “our” (and other similar terms) to refer to Wirecard, and “you” and “your” (and other similar terms) to refer to you as the user of our services and products.
This policy is an important document. We recommend that you read it carefully and print and keep a copy for your reference. We will assume you agree to the uses of your personal information described in this policy unless you tell us otherwise.
How to contact us
If you have any questions about how we collect, store and use your personal information or would like a copy of the information we hold about you, then please contact us. You can:
Write to us at: The Data Protection Officer, Wirecard Card Solutions Limited at Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1; or
E-mail us at: email@example.com
If you no longer wish to receive marketing messages that you have told us you agree to receive from us, then please contact us using the details above.
The personal information that we collect from you
From the first contact we have with you through to providing you with the boon. App and the boon. Card, we collect personal information about you including:
Your name, residential address, email address, mobile phone number, date of birth and credit card details and any other information which you provide when you apply for our services and use the boon. App and boon. Card;
Details of communications with you (via email, the internet, our call centre or via third parties) when you contact us to report a problem or query;
Your response to surveys that we ask you complete for research purposes;
Details of transactions you carry out through our boon. App and the boon. Card and of the fulfillment of your transaction requests;
Information from fraud prevention and credit reference agencies or other organisations involved in the support or provision of the boon. App and the boon. Card and the associated services; and
Information about how you use and manage your boon. App or boon. Card and services, from the transactions we support and from the payments you make.
How we use your personal information
We use your personal information to:
provide the boon. mobile payment services to you;
carry out credit checks, to check your identity and verify your address as required by law, and to assess your application;
contact you about the services we are providing, for example, opening, administering and running your boon. App, your boon. Card and boon. Account (including using mobile phone numbers and email addresses to provide balance updates and transaction alerts in the way requested by you);
collect our charges or costs in connection with the services as described in the Terms and Conditions;
deal with any enquiries or issues you have about our services;
prevent or detect fraud, record any suspicious or fraudulent behavior or our suspicions about false or inaccurate information;
comply with our legal obligations;
collect our costs in connection with legal enforcement (including to agree payment arrangements with you, and to collect our fees and costs owing to us in connection with legal enforcement);
tell you about other products and services, if you have agreed; and
better understand the users of our services by carrying out research.
Who else may have access to your personal information
We may share your personal information with the following third parties in the following circumstances:
Credit-checking agencies or fraud prevention agencies and other organisations: to check all personal information given by you and to perform a search of your credit file in order to verify your identity. The agencies may keep a record of your information and the searches made (even if any application is unsuccessful or does not proceed).
Other Wirecard companies: to provide you with our services. Specifically, but without limitation, our services use and rely on the back-office processing and storage services of our German affiliate company Wirecard Technologies GmbH and its systems and servers based in Germany. Our services are managed by Wirecard UK and Ireland Limited.
Card networks and payment schemes, such as MasterCard: to provide the boon. App, the boon. Card and associated services to you.
Service providers and other affiliated third parties: to enable us to provide our services to you.
Law enforcement, regulatory organisations, courts or other public authorities: to comply with law or regulation or in connection with proposed or actual legal proceedings or regulatory actions.
Third party purchaser of our business: to continue providing the services to you if we sell any business or assets or if Wirecard or substantially all of its assets are acquired by a third party.
Selected third parties, who may use your personal information to send you marketing messages, if you have agreed that they may do so.
The boon. app uses the analysis tool adjust, a product of adjust GmbH, which has been certified according to the ePrivacy seal (European seal for your privacy), see https://www.eprivacy.eu/kunden/vergebene-siegel/). With adjust you can examine the usage behavior of mobile app users on iOS and Android devices (ad-tracking). This is done to understand how the boon. app is used and to analyze and improve the impact of mobile advertising campaigns. When you install the boon. app, adjust saves the associated installation and event data. To do this, adjust uses the anonymous IP address of your mobile device and an ID number, such as the Identified for Advertising (IDFA) ID or the Google Play Services ID, which is anonymized by a code[such as “gat_anonymizeIp ()”]. You can prevent ad tracking by contradicting. To do this, you can call +44 (0) 20 36 957 827
Monitoring for quality assurance and training
Wirecard strives to ensure that the services it delivers to its customers are of the highest possible standard. With this aim in mind, it may sometimes be necessary for us to monitor telephone and e-mail communications between our employees and third parties for the purpose of quality assurance and training or as otherwise permitted by law. We will only ever conduct communications monitoring in compliance with applicable law, and will at all times continue to protect the privacy of your communications in accordance with this policy.
International transfers of personal information (including to outsourced service providers)
We may need to transfer your personal information to business partners, service providers and other Wirecard offices that are located in territories outside of the European Economic Area (“EEA“). For example, we may support the boon. App, the boon. Card, the boon. Account and associated services from centres such as the USA and India and we may process payments through other organisations such as banks, payment processors, card networks and payment schemes which are located outside of the EEA. In downloading and using the boon. App, the boon. Card and using your boon. Account and services from Wirecard you explicitly consent to this. Please note that the legal regimes of some territories outside of the EEA do not always offer the same standard of data protection as those inside the EEA.
How we look after your personal information
We have in place what we believe to be appropriate technical and organisational security measures to protect your personal information against unauthorised or unlawful use, and against accidental loss, damage or destruction. We put in place strict confidentiality agreements (including data protection obligations) with our third party service providers.