Click to Pay Terms and Conditions

Northern Inland Credit Union Ltd ABN 36 087 650 422 AFSL 235022 Australian credit licence 235022

1. Definitions

For the purposes of these Click to Pay terms:

Card means a Visa Debit Card or Visa Credit Card issued by us.

Card Details means the information printed on the Card, and includes, but is not limited to, the card number and expiry date.

Click to Pay means the checkout functionality provided by Visa that allows you to make payments with a Participating Merchant using a Card without manually entering your Card Details.

Click to Pay Profile means information about you and your Card that is used to provide Click to Pay, which may include:

  • your name;
  • your email address, mobile number and billing address;
  • your Card Details; and
  • ·other information required to provide Click to Pay.

Participating Merchant means an online merchant that accepts payments through Click to Pay.

Visa means Visa Worldwide Pte Ltd, Visa International Service Association, Visa Worldwide, or any related Visa entity or service provider involved in providing Click to Pay.

2. About Click to Pay

  1. The terms and conditions in this section apply to your use of Click to Pay.
  2. Click to Pay is a service provided by Visa that allows you to make an online purchase with a Participating Merchant more easily and securely.
  3. When you use Click to Pay to make an online purchase, your Card Details are not shared with the Merchant. Instead, Visa replaces your Card Details with a secure digital token that is used to process the online purchase.
  4. Click to Pay is provided by Visa. We do not operate or control Click to Pay. Our role is limited to:
    1. facilitating the enrolment of your Card into Click to Pay;
    2. assisting with the management of your Click to Pay Profile; and
    3. providing Visa with your Click to Pay Profile so that Visa may provide the Click to Pay service.

3. Eligibility and Enrolment

  1. To be eligible to use Click to Pay your Card must first be enrolled into the service with Visa.
  2. If we have issued a Card to you and it is active and eligible for Click to Pay, we will automatically enrol it for Click to Pay. To enrol a Card into Click to Pay, Visa will be provided with your Click to Pay Profile.
  3. Once we enrol your Card, these terms and conditions will apply even if you have previously directly enrolled your Card with Visa into Click to Pay.
  4. We may determine which cards are eligible for Click to Pay and may change eligibility at any time.
  5. You may opt out of Click to Pay for your Card by contacting us.  If you opt out, we will not re-enrol your Card unless you request it.

4. Your use of Click to Pay

  1. When using Click to Pay, you acknowledge and agree that:
    1. information associated with your Card may be used to enable the Click to Pay service and facilitate transactions with Participating Merchants;
    2. Click to Pay may automatically populate your Click to Pay Profile to complete a transaction with Participating Merchants;
    3. you are authorised to use the Card enrolled in Click to Pay;
    4. your Click to Pay Profile is accurate, complete and up to date; and
    5. you will not misuse, interfere with, manipulate or attempt to disrupt the Click to Pay service.
  2. You are responsible for maintaining the security of any device, password, authentication method or contact details used in connection with Click to Pay.

5. Changes to Click to Pay

  1. Click to Pay is provided by Visa and may be subject to additional terms, conditions or requirements imposed by Visa.
  2. As Click to Pay is provided by Visa, you may be required to accept additional terms from Visa before using it. Visa may also make changes to Click to Pay. If you do not agree with any changes made by Visa, you must stop using Click to Pay.
  3. We may make changes to these terms and conditions to reflect any changes made by Visa.
  4. We may suspend or cancel your use of Click to Pay. We may do so reasonably and at any time, for example, if we suspect it is reasonably necessary to protect you or us from possible fraudulent activity, scams or other activity, if applicable laws change, if we cease to issue Cards that can be used with Click to Pay, your Click to Pay Profile contains false or inaccurate information, or if we are directed to do so by Visa. We will notify you if we do this.

6. Liability

  1. We are not a party to any purchase of goods or services completed with a Participating Merchant using Click to Pay.
  2. Except for any liability that cannot be excluded by law, we will not be liable for any loss or damage suffered or sustained by you in connection with using Click to Pay services.

7. Privacy

  1. We may collect personal information about you for the purposes of providing the Click to Pay service to you.
  2. You authorise us to collect, handle and disclose your personal information in order to execute your instructions when using, or related to your use of the Click to Pay service. For more information on how your personal information is handled, please refer to our Privacy Policy.