These conditions relate to any cards issued by Cumberland Building Society (‘us’) that you’ve added to an e-wallet on your device and are in addition to the Cumberland Card Terms and Conditions and Cumberland Savings and Current Account Terms and Conditions. They should be read in conjunction with our ‘How to Protect Yourself from Fraud’ leaflet.
If there’s any conflict between these conditions and the Cumberland Card Terms and Conditions and Cumberland Savings and Current Account Terms and Conditions, your card and account conditions will apply.
When you add your Cumberland card (‘card’) to an e-wallet you agree that you’ll use it subject to these conditions, your card conditions and your account conditions. You must only add a card in your name to an e-wallet on your device.
An e-wallet is a third party service and we are not responsible to you for your use of it or for any service, information, software or hardware provided to you by them including failures of that service, performance, and availability or security issues. You may also have agreements with other third parties in relation to your use of an e-wallet such as other current account providers or credit card issuers. We are not responsible for any agreements you enter into with these third parties.
Your e-wallet and/or device provider may have their own terms and conditions and privacy policies which you’re also subject to.
If we don’t hold your mobile number, you may need to call us as part of the registration process to add your card to an e-wallet. Our opening hours can be found here.
|Card||any card that we supply to you to use with your account|
|device||a mobile phone, tablet, smartwatch, desktop computer or other digital device|
|security details||the personal identification number (PIN)/password and your fingerprint(s) that you use to access/unlock your device|
|e-wallet||a system that securely stores card details to allow you to make electronic purchases via a device|
You should keep your security details, along with your mobile device, safe in the same way you would with your physical debit card and other personal identification numbers and passwords.
You must take all reasonable steps to keep your security details confidential and your e-wallet and device safe at all times. In particular you must:
If you share your PIN/password for your device with anyone else or add anyone else’s fingerprint(s) to your device and transactions take place on your account that you didn’t authorise, you will be liable for all such transactions.
If you act without reasonable care or fraudulently, and this results in unauthorised transactions on your account, you might be responsible for them.
Call us on 01228 403 141 immediately if:
If you think your security details have been compromised you must immediately change the PIN/password on your device and check that only your fingerprint(s) is linked to your device.
You must not add your card to an e-wallet on a jailbroken or rooted device (i.e. a device which has had its default operating system restrictions removed). If you do and transactions take place that you didn’t authorise, you will be liable for all such transactions.
It’s possible to setup a ‘second’ device to make e-wallet payments, by connecting your ‘second’ device(s) to the e-wallet you’ve already added your card to. Where a ‘second’ device(s) is linked to an e-wallet you’ve already added your card to, these conditions apply.
You can remove your cards from an e-wallet at any time by following your e-wallet providers’ instructions or by calling us on 01228 403 141. In these circumstances you authorise us to continue to process any outstanding transactions on your card(s).
You must remove your cards from all e-wallets on your device when you:
We might suspend or terminate the use of any cards you’ve added to an e-wallet if:
We reserve the right to stop offering or supporting any e-wallet provider or service.
The e-wallet provider and/or device provider reserves the right to:
We wouldn’t be liable to you or any third party arising from this.
We’ll use your personal information in accordance with your card conditions.
We might get information about you from your e-wallet and/or device provider to verify your identity, check your eligibility and to prevent fraud.
We might collect and use information about your e-wallet and device, including transaction data, to help us improve our products and services, and for fraud prevention. We might use this data for testing purposes.
We might share non-personal information relating to your e-wallet transactions with your e-wallet and/or device provider. This statistical information shows how customers are using an e-wallet(s).
We will not be liable to you for any breach of these conditions due to circumstances beyond our reasonable control. This may include times where you're unable to use your card within an e-wallet.
We reserve the right to change these conditions at any time in accordance with your card conditions and account conditions. You’ll be able to view any amended conditions on our website here or via the e-wallet on your device.
If you don’t accept any changes you can remove your cards from your e-wallet at any time, by following your device providers’ instructions or by calling us on 01228 403 141. In these circumstances you authorise us to continue to process any outstanding transactions on your card(s).
If you have a complaint please notify us in accordance with our complaints procedure.
These Conditions are governed by the laws of England and Wales as are our dealings with you. You and we submit to the non-exclusive jurisdiction of the courts of England & Wales.
INV498 V1 08/17
Your eligible deposits with Cumberland Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.