As you are registering your debit card in an e-wallet on your phone or other device, there are some terms contained in your Engage Account agreement that we want to bring to your attention.
Protecting your account
These are important terms setting out that you need to take all reasonable precautions to keep your card, security details and device safe and to prevent fraudulent use of them. This includes protecting any details stored in an e-wallet, on a retailers website or on any device (such as a mobile phone, tablet, PC or smartwatch).
Your must take reasonable precautions to protect e-wallets and any devices:
If you have already setup your device Security Details being registering the store card details or downloading the Engage Card App, you must review this and ensure that your any device Security Details what can easily be guessed or that you have already shared with anyone else 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 when card details are already registered. We will treat any device as your device if you have either:
* Actively paired it with another device or e-wallet which has been registered to store card details or is enabled to make payments or
* Linked it to the device to which the Engage Card mobile app has been downloaded
This means the consequences of failing to keep linked devices safe will be the same as for all other details and Security Details (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 contact 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 your device, we will treat this as you failing to keep your card and Security Details safe.
Before you:
If the account relating to a card stored on a device or within an e-wallet is ended, you must delete the card from your devices and your e-wallets.
We’ll ask you to help us, and the police with any investigation into the suspected misuse of your card, Security details or security device.
If your card, security device, Security Details or a device used to access card details or make payments have been lost or stolen or you suspect someone has used or tried to use them or accessed to tried to access an e-wallet, you must call us straightaway on one of the numbers shown in your agreement.
This means all PINs and passwords you use to access your account by any method. It includes any details in e-wallets, on retailers’ websites or on devices such as mobile phones.
If you have registered a card on a device or within an e-wallet this will include passwords and security processes used to access your device or e-wallet (device ID, passcodes or passwords) and any fingerprints or other biometric or identification methods stored in your device.
There are a number of circumstances in which we can suspend or restrict your payment facilities, but there are a couple of additional circumstances that apply to the use of a card registered on a device or with an e-wallet.
These are where:
If you have registered for an e-wallet, you can use a card stored in it or a card stored on your device to make payments to retailers who display the “Visa” sign and accept contactless payments. Contactless payments limits may apply to transactions authorised using a card stored in an e-wallet or on your device. This can vary details retailers and payment card terminals that are used. We may therefore refund a payment transaction if it exceeds the current contactless limit applicable to a specific retailer.
Your Engage Account terms set out who is responsible when different tings go wrong. We won’t be responsible if you are unable to use a device, an e-wallet or any of your cards stored on the device or within the e-wallet unless this is a result of something we have done. This is because these services are not provided by Engage Account and we do not control the platform, e-wallet or device.
If you have registered a card relating to a closed account on a device or within an e-wallet, you must also delete the card from each device on which it is registered.
Engage Visa debit card and account is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number 900025) and is a member of Visa. Please note that the Engage is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent your funds will be protected against claims made by creditors.