Liability for unauthorised transactions. If you are an individual, the ePayments Code and this part determines your liability for losses arising from an unauthorised transaction. We warrant that we will comply with the ePayments Code. You can review your transaction history at any time by logging in to your account and clicking Activity. It is important that you regularly access and review your transaction history and immediately contact us if you believe your account has been compromised. You are not responsible for any loss resulting from an unauthorised transaction if: • The loss was due to fraud or negligence by any of our employees or agents, or employees or agents (including merchants) involved in the Electronic Fund Transfer network; • A security key or password was forged, faulty, expired or cancelled; • A transaction requiring the use of a security key and/or password occurred before the user received it (including a reissued security key and/or password); • A transaction was incorrectly debited more than once; or • An unauthorised transaction was performed after we were informed that a security key had been misused, lost or stolen or that the security of a password had been breached. You are responsible for losses arising from an unauthorised transaction where we can prove on the balance of probability that you contributed to a loss through fraud or by breaching the password security requirements (see Safety and Security Guidelines). You will be liable in full for the actual losses that occur before the loss, theft or misuse of a security key or breach of password security is reported to us. Where we can prove on the balance of probability that you contributed to losses resulting from an unauthorised transaction by unreasonably delaying reporting the misuse, loss or theft of a security key or breach of password security, you are liable for the actual losses that occur between: • When you became aware of the security compromise or should reasonably have become aware of it. • When the security compromise was reported to us. To the extent required by the ePayments Code, you will not be responsible for any loss suffered because PayPal accepted your instructions but failed to complete a payment due to a malfunction. If PayPal malfunctions and you should have been aware that our service was unavailable or malfunctioning, we will only be responsible for correcting errors in your accounts and refunding any associated fees or charges. Even when you are liable for losses, you will not be liable f...
Liability for unauthorised transactions. Subject to the remainder of this Agreement, where you notify us that a payment has been made from your Account which was not authorised by you, as soon as we are reasonably satisfied that you did not authorise the payment we will restore your Account to the state it would have been in had the unauthorised payment not taken place (for example, by refunding any charges or interest you have paid as a result but will have no further liability to you) but this may be reversed upon further investigation. We will normally refund your Account by the end of the following Business Day. On occasion we may decide to carry out a more detailed investigation, which we will do as quickly as possible.
Liability for unauthorised transactions. 5.1 We recommend that you check your transaction history and balance at least once a month. If you notice an error in any Card transaction or a Card transaction that you do not recognise, you must notify Card Services without undue delay and in any event no later than thirteen (13) months of the transaction debit date. We may request that you provide additional written information concerning any such Card transaction on the dispute form, which can be found on xxx.xxxxxxxx.xx.xx
5.2 We will refund any unauthorised transaction immediately, unless we have reason to believe (based on the evidence available to us at the time you report the unauthorised transaction) that the transaction was authorised by you, or caused by you breaking any important term or repeatedly breaking any term and failing to remedy it, or you allowed it to happen because of your gross negligence, or we have reasonable grounds to suspect fraudulent activity on your part.
5.3 If we make an immediate refund in accordance with clause 5.2, or make a refund after investigating the transaction, we reserve the right to reverse the refund if we do not receive a completed dispute form providing details of the unauthorised transaction from you within ten (10) working days of our request.
5.4 Further to clause 5.2, if we do not make an immediate refund and you still wish to dispute the transaction as unauthorised, we reserve the right to request additional written information in the form of a statement signed by you providing evidence to support your claim that the disputed transaction was unauthorised. You may be prosecuted in the event you make a fraudulent claim for an unauthorised transaction whether or not you have received a refund.
5.5 Where the Card is lost or stolen, or you have failed to keep the security features of the Card safe in accordance with this Agreement, your maximum liability will be limited to GB£50 (or Currency equivalent), unless you have acted fraudulently or have with intent or gross negligence failed to comply with this Agreement, in which case you may be liable for the entire loss. If a foreign exchange conversion takes place, the foreign exchange rate used is the rate determined by Mastercard to be the wholesale rate in effect on the day the maximum liability is applied.
5.6 Subject to clauses 5.2, 5.4 and 5.5, where it is determined that you are not liable for an unauthorised transaction, you will not be liable for any of the loss incurred, we will refund the value of ...
Liability for unauthorised transactions. If you report that there has been an Improper Account Access related to your Account, and there is no evidence to suggest fraud or deliberate or grossly negligent behaviour by you, we will reimburse you in full for all unauthorised transactions sent from your Account provided that you have informed us of the Improper Account Access without undue delay and in any event, no later than 13 months after the first Improper Account Access transaction was executed. Where we believe in our reasonable opinion that further investigation is required to ascertain more clearly the circumstances surrounding the reported Improper Account Access, we will follow the same process as set out in section 12.3 above for such investigation
Liability for unauthorised transactions. Without prejudice to your statutory rights, if you report that there has been an Improper Account Access related to your Account, and there is no evidence to suggest fraud or deliberate or grossly negligent behaviour by you, we will reimburse you in full for all unauthorised transactions sent from your Account provided that you have informed us of the Improper Account Access without undue delay and in any event, no later than 13 months after the first transaction arising from that Improper Account Access was executed. Where we believe in our reasonable opinion that further investigation is required to ascertain more clearly the circumstances surrounding the reported Improper Account Access, we will follow the same process as set out in section 12.3 above for such investigation
Liability for unauthorised transactions. The Cardholder would not be liable for Card-present unauthorised transactions which require PIN verification or signature verification or the use of a contactless card, provided always that the Cardholders have not: i.
Liability for unauthorised transactions. You are not liable for losses resulting from Unauthorised Transactions where:
(a) it is clear that the Cardholder did not contribute to the loss;
(b) it is caused by the fraudulent or negligent conduct of our employees or agents or Merchants;
(c) it occurs before the Cardholder receives the Card;
(d) it occurs after we have been notified by the prescribed form, of a security issue with the Card and PIN;
(e) it is a result of the same transaction being incorrectly debited more than once to the same Cardholder Account. You will be liable for actual losses resulting from Unauthorised Transactions caused by a Cardholder if:
(a) you or the Cardholder unreasonably delay notifying us of the security issue with the Card and PIN;
(b) you or the Cardholder engage in fraud;
(c) the Cardholder voluntarily provided their Card and/or disclosed their PIN to someone including a third party, family member or a friend ; or
(d) the Cardholder fails to protect the Card and PIN;
Liability for unauthorised transactions. The Borrower may not allow any third party to use the Borrower's name, personal ID number, e-ID, or other identifying information to enter into an agreement for the products offered by the Lender. The Borrower may not borrow or otherwise enter into an agreement with the Lender on behalf of any third party or to finance criminal activity. If the Borrower suspects that any third party, by using the Borrower's name, personal ID number, e-ID, or other identifying information, has applied for or entered into an agreement with the Lender, or may apply to enter into an agreement for a product offered by the Lender, the Borrower must immediately notify the Lender. The Borrower must also immediately notify the Lender if anyone else has induced the Borrower by threat, coercion or deception to apply for a product offered by the Lender or to enter into an agreement with the Lender.
Liability for unauthorised transactions. You are not liable for losses resulting from Unauthorised transactions where:
a) it is clear that the Cardholder did not contribute to the loss;
b) it is caused by fraudulent or negligent conduct by our employees or agents or Merchants;
c) it occurs before the cardholder receives the card;
d) it occurs after we have been notified by the prescribed from of a security issue with the Card and PIN;
e) it is a result of the same transaction being incorrectly debited more than once to the same account. You will be liable for losses resulting from unauthorised transaction caused by you if:
a) you or the Cardholder unreasonably delay notifying us of the security issue with the Card and PIN;
b) you or the Cardholder engage in fraud;
c) the Cardholder voluntarily provided their card and/or disclosed their PIn to someone including a friend or family member; or
d) the Cardholder fails to protect the Card and PIn. You are protectedunder the Liability shift rule for anyunauthorized transaction(s) should your Card details be compromised while using your Card on a terminal that is not eMV compliant or on a non 3D secure internet merchant.
Liability for unauthorised transactions. Unless you have acted fraudulently or with intent or gross negligence, you will only be liable for a maximum of £35 (or the equivalent in the currency of your payment instrument) up until the time you inform us that your payment instrument has been lost or stolen. You will not be liable for any losses which occur on their payment instrument after they have informed you that it has been lost or stolen. If they're due a refund for an unauthorised transaction, we'll make sure you receive this no later than the end of the next business day.
