Introduction

These Terms of Use govern your use of any eligible Servus Credit Union Member Card® or Mastercard® ("card") when you add and use your card in any digital wallet ("Wallet"), on any device that supports the Wallet. A digital wallet is a mobile application, offered through a Wallet provider ("Wallet Provider"), that includes related services for a device that enables you to store credentials containing card information in the device and that securely transmits such credentials to a merchant in order for you to initiate a payment transaction.

Read these Terms of Use carefully. These Terms of Use are a legal agreement between you and us. If you add, activate or use your card for use in any Wallet, it means that you accept and agree to these Terms of Use. In these Terms of Use, "you" and "your" means each Servus Credit Union member who has been issued a Servus Credit Union card. "We", "us", and "our" mean Servus Credit Union.

Other Documents and Agreements

These Terms of Use are in addition to, and supplement, all other agreements between Servus Credit Union and the Member regarding Servus Credit Union's products and services. If there is any conflict or inconsistency between these Terms of Use and the other agreements, then these Terms of Use will take priority and govern with respect to the Wallet.

You understand that your use of the Wallet will also be subject to agreements or terms of use with the Wallet Provider and other third parties (such as your wireless carrier and the websites and services of other third parties integrated into or accessed by you while using the Wallet).

Use of Cards in the Wallet

If you want to add a card to the Wallet, you must follow the procedures adopted by the Wallet Provider, any instructions provided by us, and any further procedures the Wallet Provider or we adopt. You understand that we may not add a card to the Wallet if we cannot verify the card, if your account is not in good standing, if we suspect that there may be fraud associated with your card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your card wherever the Wallet is accepted. The Wallet may not be accepted at all places where your card is accepted.

Removal, Blocking or Suspension of Card

We may not permit the addition of a card to the Wallet, or we may remove, suspend or cancel your access to the Wallet at any time, if we cannot verify the card, if we suspect that there may be fraud associated with the use of the card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.

You may suspend, delete or reactivate a card from the Wallet by following the Wallet Provider's procedures for suspension, deletion or reactivation. In certain circumstances, your card may be suspended or removed from the Wallet by the Wallet Provider.

Maximum Dollar Limit

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use the Wallet to complete a transaction that exceeds these limits.

Applicable Fees

We do not charge you any fees for adding a card to the Wallet. Consult our financial service fees page for any applicable fees or other charges associated with your card.

Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your device or Wallet.

Security

You must contact us immediately if your card is lost or stolen, if your device is lost or stolen, or if your card account is compromised. If you get a new device, you must delete all of your card and other personal information from your prior device.

You are required to contact us immediately if there are errors or if you suspect fraud with your card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your device, Wallet Provider and Wallet, user IDs and passwords (including your fingerprint image(s) for Touch ID, or your face or iris image, if applicable). If you share these credentials with others, they may be able to access the Wallet and make purchases with your card or obtain your personal information.

Before using the Wallet ensure that only your credentials are registered on your device as these will then be considered authorized to make transactions related to your card. If the credentials of another person are used to unlock your device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using a Wallet on a device that you know or have reason to believe has had its security or integrity compromised (e.g. where the device has been "rooted" or had its security mechanisms bypassed).

If you lose the device or if it is stolen, you can lock the Wallet and delete the data from the Wallet via instructions and services, offered by the Wallet Provider, to prevent use of the Wallet by others.

The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet.

Liability for Loss

You are solely responsible for all account transactions made using your card processed through the Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the card should add the card to the Wallet.

Privacy

You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy. We may share with or receive from the Wallet Provider such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of the Wallet and any Wallet features you may select (for example, your name and details such as card number and expiry date).

The Wallet Provider may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and the Wallet Provider may share information reasonably required for such purposes as fraud detection and prevention (for example, informing the Wallet Provider if you notify us of a lost or stolen device).

Communications

You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your card account. These communications will relate to your use of your card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications, but doing so may result in your inability to continue to use your card(s) in the Wallet.

No Warranty and Exclusion of Liability

For the purpose of this Section, "Credit Union" means Servus Credit Union Ltd. and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms of Use.

Wallet payment transaction services are provided by the Wallet Provider, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which the Wallet is available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability of or operability of any wireless networks..

Credit Union will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical card with you to use in the event you cannot make Wallet transactions.

Changes to the Terms of Use

We may change these Terms of Use or the agreements associated with the use of your card with the Wallet. You agree to any changes to these Terms of Use or agreement(s) associated with the use of your card or account by your continued use of your card with the Wallet. If you do not accept the revised Terms of Use or agreement(s), you must delete your card from the Wallet.

Contacting Us

You may contact us about anything concerning your card or these Terms of Use by any of the preferred methods on our contact page.

If you have any questions or complaints about, or disputes with, the Wallet, contact the Wallet Provider.

® Member Card is a registered certification mark owned by Canadian Credit Union Association, used under license.

® Mastercard is a registered trademark of Mastercard International Incorporated.