2. Your responsibilities to keep your card secure and notify us of errors or fraud

You agree to protect and keep confidential your User ID, phone lock passcode, passwords, and all other information required for you to make purchases with your card using a Mobile Wallet.

Always protect your passcode by using a unique number or pattern that is not obvious or can be easily guessed. Take precautions when using a Mobile Wallet. Try to memorise your passcode or carefully disguise it. Never keep a record of your passcode with your device, on your device or computer, or tell anyone your passcode.

If your device has been lost or stolen, or you believe your security credentials have been compromised, you must report this to us immediately. Your Conditions of Use require you to contact us if you believe there are errors or if you suspect fraud with your card. This includes any fraud associated with use of a Mobile Wallet. We will not be liable for any losses you incur except as specifically described in the Conditions of Use, the ePayments Code, as otherwise provided by law, and except to the extent that the loss is caused by our fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents).

If we allow you to register a card in the Mobile Wallet app, depending on the Mobile Wallet app you are using, you may be able to use Mobile Wallet app to conduct transactions even if you have not yet received the card or the PIN or activated the card. This includes where we issue a replacement card to replace a card which has been damaged, lost or stolen or which has expired.

Where your device allows you to unlock the device or authenticate a payment through a Mobile Wallet by using biometric information (for example, using a fingerprint or facial recognition), you agree to ensure that no other person registers or has registered their biometric information in your device.