Google Pay Specific Terms and Conditions (Consumer)

1. Introduction

1.1. Intergiro Intl AB (publ) is a Swedish fintech company licensed and supervised by the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) as an electronic money institution with the authority to issue electronic money and to provide payment services (hereinafter referred to as “Intergiro”). Intergiro’s company registration number is 556965-3537 and Intergiro’s license number is 48003. Intergiro’s registered address is Box 3093, 103 61 Stockholm, Sweden.

1.2. Intergiro has partnered with an innovative company (the “Partner”) that provides a first-class app and/or website portal (as applicable) (the “Partner Platform”) to jointly provide you with the best services possible. Intergiro provides payment services and the Partner provides you with the Partner Platform through which you access and use the payment services.

1.3. Your use of Intergiro’s payment services through the Partner Platform is governed by Intergiro’s Banking-as-a-Service Terms and Conditions (Consumers) (the “GT&C”). These Google Pay Specific Terms and Conditions (the “Terms and Conditions”) govern your use of Google Pay with your Card. These Terms and Conditions are in addition to the GT&C which you accepted when you signed up for Intergiro’s payment services through the Partner Platform.

2. Definitions

In these Terms and Conditions, the following terms shall have the meanings set out below:

"Account" means your personal payment account, governed by the GT&C;

"Android Device" refers to a device such as a phone, tablet, or smartwatch which uses the Android operating system, on which Google Pay is available, and on which Intergiro determines, in its sole discretion, Intergiro cards may be registered;

"Card" means a physical or virtual debit VISA card issued to you by Intergiro and branded with the name of the Partner;

"Card Transaction" means a purchase by way of Card of goods or services;

"Contactless Payment" means payment via contactless technology (e.g. Near Field Communication);

"Google Account" means an agreement between Google and the owner of the Android Device;

"Google Pay" means a virtual payment technology provided by Google in Android Devices to make Card Transactions;

"GT&C" has the meaning set out in clause 1.3;

"NFC" means “Near Field Communication” which is a technology that enables a payment terminal to wirelessly communicate with an NFC-compatible Android Device;

"Terms and Conditions" means these Google Pay Specific Terms and Conditions; and

"Tokenised Card" has the meaning set out in section 3.

3. Description of Google Pay

3.1. Google Pay enables you to pay for goods or services using your Android Device instead of your Card, so-called Contactless Payments. To sign up for Google Pay, you enter your Card details in Google Pay or in the Partner Platform (as applicable). Your Card will be tokenized, which means that an alias card number will replace the Card’s number when registering with Google Pay (“Tokenised Card”). Should you lose your mobile device it is important that you notify the Partner’s customer support, but the Card will not be compromised, as Google Pay has registered an alias of your Card.

After finalising the sign-up process with Google Pay, you can make Card Transactions using your Android Device.

Google Pay is available according to Google's current instructions and normally 24 hours a day. The availability may however be limited in the event of operational disruptions at Intergiro, at Google or with VISA.

3.2. The following general conditions and technical requirements apply to Google Pay:
(i) you are already a customer of Intergiro’s Partner and with Intergiro and has thus previously accepted Intergiro’s GT&C;
(ii) you need an Android Device on which Google Pay is available, and you have a Google Account (Google Pay terms and conditions are entered into between you and Google); and
(iii) you are responsible for ensuring that only your biometrics (such as Touch ID or Face ID) is registered on your Android Device.

Technical requirements
3.3. In addition to the general conditions set out in section 3.2. above, in order to use Google Pay, you need to have an Android Device on which Google Pay is available.

4. The use of Google Pay

4.1 Google Pay can be used in NFC-compliant payment terminals, online and to pay in apps on your Android Device. The availability of Google Pay may in some situations be limited due to circumstances beyond Intergiro's control. You are always responsible for access to the Android Device and software required to use Google Pay, as well as any costs for such equipment.

Approval of Card Transaction
4.2. The payer is the cardholder (i.e. you) who has Google Pay and the payee is the merchant from whom you purchase goods or services.

4.3. You select the applicable Card in Google Pay. You initiate the Card Transaction by touching your Android Device to the payment terminal's reader, or tap the Google Pay button or choose Google Pay as your payment method in an app on your Android Device. You approve the Card Transaction through biometrics (e.g. Touch ID) or with passcode.

4.4. All Card Transactions  you have made using Google Pay will be displayed in the transaction history of your Account in the Partner Platform.

Liability for unauthorised transactions
4.5. When using Google Pay, you authorise the Card Transaction with biometrics (e.g. Touch ID). If another person's biometrics (e.g. Touch ID) are registered on the Android Device you use with Google Pay, you are liable for any Card Transactions made using Google Pay which such other person authorises.

4.6. Other than as set out in clause 4.5. above, Intergiro’s liability for unauthorised Card Transactions is governed by the GT&C.

Terms and responsibilities for use
4.7. In addition to what applies under the GT&C, Google Pay - which is available on your Android Device - is personal and may only be used by you. You may not provide access to or permit someone else to use your Google Pay. Google Pay is a document of value and must be stored and handled in the same secure way as, for example, cash and other documents of value.

4.8. You must maintain adequate control and oversight of the Android Device in which Google Pay is available to prevent unauthorised use. You must therefore take all reasonable steps to protect the Android Device where Google Pay is available. You are solely responsible for the safety and security of your Android Device. In particular, you must:
(i) use appropriate security, including passcode, Face ID and Touch ID where available, on your Android Device; and
(ii) never give anyone else your passcode or other security details.

Obligation to report lost Android Device
4.9. You must immediately contact the Partner’s customer support after the discovery of the loss of your Android Device or if it can be suspected that someone unauthorised has become aware of the code for Google Pay, or that the Android Device can be used unauthorised. When the Tokenised Card is blocked, the function of the underlying Card does not change, which is thus still active.

4.10. When you use Google Pay, you must not: 

(i) use it to do anything illegal;

(ii) use it in a way that could damage Intergiro’s, Partner Platform or Google’s systems or other Google Pay users;

(iii) do anything that Intergiro or Google tell you not to; or 

(iv) disobey any laws that apply to the place where you use Google Pay.

5. Changes

5.1. Intergiro may unilaterally change these Terms and Conditions from time-to-time, for example to comply with applicable law or changes made to Google Pay by Google. In case of any changes that could affect your current use of Google Pay, you will be notified at least two (2) months’ in advance of such change. If you do not accept the changes, you should notify the Partner’s customer support before the changes take effect. Please note that Intergiro may terminate these Terms and Conditions with you and disconnect your Card from Google Pay in such case.

5.2. Google may change Google Pay at any time, or cease to offer it. Intergiro will keep you up to date with any changes imposed by Google. Intergiro reserves the right to terminate Google Pay if required by Google.

6. Suspension and deactivation of service

6.1. Intergiro may refuse to register you for Google Pay, or to block or restrict your Card where we have reasonable grounds for doing so. This includes where Intergiro becomes aware of behaviour that Intergiro (acting reasonably) considers may be indicative of fraud in respect of your registration or Account.

6.2. Where Intergiro has exercised its rights under this section, Intergiro will where reasonably possible, (and where it would not be a breach of security or law) give you appropriate notice of Intergiro’s intention to do so and explain Intergiro’s reasons.

6.3. If your Android Device has been lost or stolen, you must contact the Partner’s customer support immediately and use all reasonable endeavours to deactivate your Card from Google Pay.

6.4. If you change or swap your Android Device and you wish to continue using Google Pay, you must deactivate your Card from your existing Android Device and register for Google Pay on your new Android Device.

7. Termination of service

7.1. Intergiro can terminate these Terms and Conditions by giving you at least two (2) months’ prior notice. If your Account is terminated for any reason, in accordance with the GT&C, these Terms and Conditions shall automatically be terminated, and you will no longer be able to use Google Pay with your Card.

7.2. You can at any time remove/delete your Card details from Google Pay if you no longer want to use Google Pay (please refer here for more information).

7.3. If you terminate your Account in accordance with the GT&C, Google Pay will automatically be terminated.

7.4. Any termination of these Terms and Conditions is without prejudice to any accrued rights and/or remedies.

8. Miscellaneous

Order of precedence
8.1. In the event of a conflict between these Terms and Conditions and the GT&C, these Terms and Conditions shall take precedence before the GT&C in relation to the subject matter of Google Pay.

Change of Card
8.2. If your Card is replaced for any reason, you will be required to register your new Card for Google Pay. 

Payment limits
8.3. Google Pay has, in some regions, limits for sending, receiving and transferring money. Please refer to their website for further information.

Costs for using Google Pay
8.4. For your use of Google Pay, you will be charged for fees and charges in accordance with the pricing information available in the Partner Platform.

Distance Contracts Act
8.5. In accordance with the Swedish Distance Contracts Act (Sw. lag 2005:59 om distansavtal och avtal utanför affärslokaler) you, as a consumer, have the right to withdraw from these Terms and Conditions entered into with us as it has been entered into on distance (withdrawal right). If you wish to exercise such withdrawal rights, you must contact the Partner’s customer support within 14 days from the date of accepting these Terms and Conditions or from the date you were fully aware of the exact information contained within these Terms and Conditions. The withdrawal right only applies to these Terms and Conditions and not any Card Transactions. If you exercise your withdrawal right, Intergiro has a right to compensation for services provided during the time you have used them and for costs incurred up until the time the withdrawal right was exercised.

9. Our liability

Google Pay is provided by Google and relies on other third parties such as your mobile carrier in order to function. Intergiro cannot be held responsible for any delay, interruption or other event that prevents you from using the service, or that compromises your privacy or the security of your Card Transactions.