Heritage Finance Holdings Corporation Fitbit Pay Terms and Conditions

1. About these Terms and Conditions

You agree to these Terms and Conditions by:

• adding an eligible Heritage Finance Holdings Corporation card to Fitbit Pay on your supported device; or
• allowing an additional cardholder to add their eligible Heritage Finance Holdings Corporation card to Fitbit  Pay on their supported device.

2. Using and managing Fitbit Pay

• you or the additional cardholder are verified when adding a card;
• if the person adding the card is not the sole account holder, each account holder of that account has agreed to the eligible Heritage Finance Holdings Corporation card being added to Fitbit Pay on the supported device; and
• the account is in good standing.

As part of the process we will either send you a text message (to the mobile phone number you have registered with us) with a verification code or have you verify your identity via our Contact Centre. You should ensure that Heritage Finance Holdings Corporation has your correct mobile number in order to receive the verification code via text message. 

You will be required to manually enter the Heritage Finance Holdings Corporation card PIN for transactions over $100.

3. Liability of Heritage Finance Holdings Corporation

• your fraud;
• your use of Fitbit Pay or the supported device in a manner not permitted by Fitbit (for example, by obtaining root access of the operating system allowing customisation to your supported device);
• subject to your rights under the ePayments Code, a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers);
• any error, defect or unavailability of Fitbit Pay; or(v) any failure or refusal of merchants to process transactions using Fitbit Pay.

• your supported device is lost or stolen;
• your supported device's mobile service is suddenly disconnected without your permission (which may indicate you have been subject to mobile phone porting); or
• you suspect a security breach in relation to your supported device or Fitbit Pay or that an unauthorised person has used your passcode, PIN of an eligible Heritage Finance Holdings Corporation card or your other credentials to access Fitbit Pay.

We warrant that we will comply with the ePayments Code. Your liability for unauthorised transactions will be determined in accordance to the ePayments Code. More terms which affect your liability in relation to transactions are set out in the relevant product terms.

4. Security requirements for Fitbit Pay

You are responsible for ensuring that:

• any password of your supported device is kept secret and secure, not easily guessed or deciphered (e.g. your date of birth), and not shared with another person (and if known by another person, the passcode must be changed);
• your biometric identifier (e.g. fingerprint) is the only biometric identifier registered on your supported device (and any other person's biometric identifier registered on your device must be removed);
• your supported device is not left unattended, is locked when not in use, and up-to-date antivirus software is installed on it; and
• any eligible Heritage Finance Holdings Corporation cards are unlinked/removed from your supported device before disposing of it.

WARNING: this could result in significant loss or liability in relation to such transactions.

5. What to do if there is a problem 

• an eligible Heritage Finance Holdings Corporation card or device has been lost or stolen; or
• you or they suspect someone else has used your account without your permission or may have access to your supported device or know your security credentials or eligible Heritage Finance Holdings Corporation card PIN.

6. Fees and charges 

The product terms describe the fees and charges which apply to each relevant Card.

We do not impose any additional fees and charges for registering and using your eligible Heritage Finance Holdings Corporation card with Fitbit Pay.

However, you will need to pay any third party fees and charges associated with downloading, registering and using the Fitbit Pay on a supported device.

7. Rights we have 

• if you ask us to suspend or close the eligible Heritage Finance Holdings Corporation account that the card is linked to;
• if your eligible Heritage Finance Holdings Corporation card is cancelled, blocked or suspended;
• if you breach your account Terms and Conditions;
• if either you or the additional cardholder breach these Terms and Conditions;
• if we suspect unauthorised transactions have occurred;
• if required by applicable laws (such as anti-money laundering and counter-terrorism financing laws, or sanctions laws);
• if directed to do so by Fitbit or by Visa (for example, in circumstances of suspected fraud);
• if we are required by a regulatory or government body; or
• for any other reason.

8. Privacy 

• to ensure that your eligible Heritage Finance Holdings Corporation card properly functions in Fitbit Pay;
• for security purposes and to identify fraud; so that we may better provide assistance to you; and
• to tell you about other products or services that may be of interest to you.

• to enable the use of the eligible Heritage Finance Holdings Corporation card with Fitbit Pay and to improve Fitbit Pay generally; and
• about persons involved in suspected security breaches or fraud.

If you do not want to receive marketing information, phone 13 14 22.

Once an eligible Heritage Finance Holdings Corporation card is registered to your supported device, Fitbit may access your personal information regarding the use of that eligible Heritage Finance Holdings Corporation card through Fitbit Pay. Please see Fitbit's privacy policy at Fitbit.com/au/legal/privacy

9. Changes to terms

10. Communication

11. Severability and governing law

These terms are governed by the law of United States, America and both parties agree to submit to the exclusive jurisdiction of the courts of that State.

12. Meaning of words