Click-to-Pay Cardholder Notice (VISA)

Click to Pay is an industry standard checkout experience based on EMV Secure Remote Commerce (SRC). To make a purchase, you will no longer have to enter 16-digit main account numbers, look up passwords or fill out long forms. Simply click to pay with Visa when you see the Click to Pay icon where Visa is accepted. You are only able to use Click to Pay where you hold an eligible Visa Card which has been enabled with the Click to Pay feature.

Where the Bank provides access to Click to Pay, Click to Pay is provided as an issuer-offered service from the Bank for your Visa Card(s). Visa operates parts of the underlying system to enable checkout and tokenized credential delivery. To secure and authorize transactions through Click to Pay, you may be required to verify your identity using biometric authentication (such as fingerprint or facial recognition) supported by your mobile device, or via a one-time passcode (OTP) transmitted to your registered mobile phone number or email address.

The payment to or from a merchant in connection with your use of Click to Pay, including the purchase, delivery, or return of goods and services, is solely between you and the merchant. The Bank assumes no liability, responsibility, or obligation for any disputes, losses, damages, or claims arising from your transactions with merchants, or from any service interruptions or failures of the Click to Pay system.

The Bank shares certain information about you with Visa, including your name, email address, phone number, billing address and other card details, in order to provide you with Click to Pay.

Visa, merchants and other relevant third parties may use and share your data and/or information about a transaction (including to complete a transaction), to determine eligibility for card benefits or features, or such other purposes that you may consent to with such third parties.

You hereby agree:

• To use Click to Pay only as permitted by applicable law (including rules, regulations and other legal requirements);
• Not to disrupt or interfere with the security or operation of, or otherwise abuse, Click to Pay or any part of it;
• Not to attempt to obtain unauthorized access to Click to Pay or part thereof which is restricted from general access;
• Not to use Click to Pay in any manner that could be deemed false and/or defamatory, abusive, vulgar, hateful, harassing, obscene, profane, threatening, invasive of a person’s privacy, or in violation of any third-party rights;
• Not to reproduce Click to Pay in any form, or store or incorporate Click to Pay into any information retrieval system, electronic, mechanical or otherwise;
• Not to copy, emulate, clone, rent, lease, sell, commercially exploit, modify, decompile, disassemble, distribute, reverse engineer or transfer Click to Pay or any part of it;
• Not to use any device, software or routine to interfere or attempt to interfere with the proper working of Click to Pay and/or take any action that imposes an unreasonable or disproportionately large burden on the Click to Pay system, as determined by Visa in their sole discretion.
  
  

Your continued use of Click to Pay after any changes, modifications or improvements have been made to any or all aspects of Click to Pay will be construed as your acceptance of such changes, modifications or improvements, and the applicability of such changes to these terms as necessary to reflect those changes, modifications or improvements.

If you do not agree to such changes to these terms, you must not use Click to Pay.

You may terminate or opt out of Click to Pay at any time by contacting our customer service call center at 961-1-205050.