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Digital Wallet

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About Digital Wallet 

Digital Wallet Terms of Use for Laboratories Credit Union

These terms apply to the use by you of a Card in a Digital Wallet. By registering a Card in a Digital Wallet you agree to these terms.

When you use your Card in the Digital Wallet our Electronic Access Facilities & ePayments Conditions of Use will apply to the transaction.  Here is a link to those Conditions of Use.

You must 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 the Digital 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 your Digital 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.

Our Conditions of Use require you to report these events to us immediately:

  • if your Device has been lost or stolen
  • you believe your security credentials have been compromised
  • if you believe there are errors
  • if you suspect fraud associated with your Digital Wallet

You may become liable for any unauthorised transactions if you unreasonably delay notifying us.

The Digital Wallet Provider is responsible for the functioning of the Digital Wallet, not us.

When you load the Card into Digital Wallet, there is a sharing of your personal information between us and the Digital Wallet Provider and between you and the Digital Wallet Provider.

Using a Wallet

  • Registration of the Card into a Digital Wallet is subject to us identifying and verifying you, and is at the discretion of Laboratories Credit Union.
  • Laboratories Credit Union does not make any guarantees that the Digital Wallet will be accepted at all merchants.
  • Laboratories Credit Union is not the provider of the Digital Wallet and is not responsible for its use and function. You should contact the Digital Wallet Provider’s customer service if you have questions concerning how to use the Digital Wallet or problems with the Digital Wallet.
  • We are not liable for any loss, injury or inconvenience you suffer as a result of a merchant refusing to accept the Digital Wallet.
  • We are not responsible if there is a security breach affecting any information stored in the Digital Wallet or sent from the Digital Wallet. This is the responsibility of the Digital Wallet provider.

Applicable Fees

  • There are no transaction fees for using your Card in a Digital Wallet.
  • All applicable account fees still apply.
  • There may be charges from your telecommunications provider.

Suspension or Removal of a Card from a Digital Wallet by us

  • We can block you from adding an otherwise eligible Card to the Digital Wallet, suspend your ability to use a Card to make purchases using the Digital Wallet, or cancel entirely your ability to continue to use a Card in the Digital Wallet. We may take these actions at any time and for any reason, such as if we suspect fraud with your Card, if you have an overdue or negative balance on your Card account, if applicable laws change or if directed to do so by the Digital Wallet Provider or the applicable card scheme.
  • We may also cease supporting the use of Cards in Digital Wallets at any time.

Suspension or Removal of a Card from a Digital Wallet by you

  • You may remove a Card from the Digital Wallet by following the Digital Wallet Provider’s procedures for removal.

Devices with same Digital Wallet provider Account

  • If you add a Card to one of your Devices and have other Devices sharing the same account (“Other Devices”), this may permit the Card to be added to the Other Devices and permit users of the Other Devices to see Card information. Please contact your Digital Wallet provider for more information.

Your information

  • You agree that we may exchange information about you with the Digital Wallet Provider and the applicable card scheme (such as Visa) to facilitate any purchase you initiate using a Card registered in a Digital Wallet.
  • By registering your Card in a Digital Wallet, you are providing consent for your information to be shared with these parties.
  • We may also share your information to make available to you in the Digital Wallet information about your Card transactions, or to assist the Digital Wallet Provider in improving the Digital Wallet. We are not responsible for any loss, injury or other harm you suffer in connection with the Digital Wallet Provider’s use of your information.

You Agree to Allow Us to Contact You Electronically

  • You acknowledge that we may contact you electronically (for example via sms, email, notifications in app), and that this is considered written notice for the purpose of these terms.

We May Amend these Terms at Any Time

  • We may amend these Terms at any time without prior notice.
  • We will notify you by email of any changes to these Terms.
  • You agree to any such amendments by continuing to keep a Card in the Digital Wallet.
  Additional information

EnquireCall 02 9859 0585