Common use of YOUR LIABILITY AND AUTHORISATIONS Clause in Contracts

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,or 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 8.1 You are responsible for understanding and complying with the use of your Cards issued, the Account Agreement including these Terms and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this AgreementConditions. 11.2. 8.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information 8.3 You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.1. 8.3.1 allow another person to use a Card, PIN or Passcode or security information related to the App.Account, 11.6.2. 8.3.2 write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 8.3.3 disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. 8.4 You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.11. 8.5 You will be liable for all Transactions that the Partner Platform or any other Account Manager makes on your behalf as per this Agreement, along with those made by a TPP authorised by you to initiate a Transaction. 8.6 You will be liable for all unauthorised Transactions that arise from the use of lost or stolen Account security information such as but not limited to the Online Portal log in details and API security details, if you or the Account Manager fail to keep the security features of the Account safe. 8.7 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled Account or to let you know about changes to this Agreementthese Terms and Conditions. 11.12. To the extent permitted by law, you 8.8 You agree to indemnify and hold harmless, us us, Modulr and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault Agreement, including these Terms and Conditions and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode these Terms and Conditions by or authorised by either you or any Cardholdersyou. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account.Cardholder 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.110.1. You are responsible for the use of your Cards issued, the Account understanding and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand complying with these Terms and comply with this AgreementConditions. 11.210.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we We have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.310.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.110.3.1. allow another person to use a Card, PIN or Passcode or security information related to the App.Account, 11.6.210.3.2. write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.310.3.3. disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.1010.4. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.1110.5. You will be liable for all Transactions that the Platform or any other Account Manager makes on your behalf as per these Terms and Conditions, along with those made by a TPP authorised by you to initiate a Transaction. 10.6. You will be liable for all unauthorised Transactions that arise from the use of lost or stolen Account security information such as but not limited to the Online Portal log in details and API security details, if you or the Account Manager have failed to keep the security features of the Account safe. 10.7. It is your responsibility to keep us Us updated of changes to your Informationany information you have supplied to Us, including e-mail address and mobile numbers. Failure to do so may result in us Us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled Account or to let you know about changes to this Agreementthese Terms and Conditions. 11.1210.8. To If you request to recall a Transaction due to an error or mistake caused other than by Us, We reserve the extent permitted right to charge you (i) a handling fee of £25 per recall and (ii) any fee payable by law, you Us to a third-party bank or institution for handling the recall. 10.9. You agree to indemnify and hold harmless, us Us and our Our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any these Terms and Conditions, in the event of your breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholdersthese Terms and Conditions. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 9.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Monese Account and any Monese Cards issued for your Monese Account. 9.2 You are responsible for keeping your Monese Card, security information related to your Monese Card and Monese Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or and Monese App credentials safe. 9.3 You must not: 9.3.1 allow a third party has committed or is about other than an Authorised Third Party Provider to commit a crime or other abuse in connection use your Monese Account to provide you with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safeServices; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. 9.3.2 allow another person to use a your Monese Card, PIN or Passcode or security information related to the App.; 11.6.2. 9.3.3 write down Passcode(s), your PIN or any security information related to Card, Account and App unless this is done in a way that would enables a third party to make it impossible for anyone else to recognise any fraudulent use of that information,oryour Monese Account or Monese Card; 11.6.3. 9.3.4 disclose their PIN, Passcode or password make available your PIN or any other security information related to Card, your Monese Card and Monese Account to third parties; 9.3.5 disclose or make available your Monese App credentials to a third party unless the third party is an Authorised Third Party Provider and App, or otherwise make them available you want to any other person, whether verbally or use services provided by entering them in a way that allows them to be observed by othersthem; or 11.6.4. 9.3.6 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 9.4 You will be responsible for all Card Transactions transactions which you and Payments which either you, any Cardholder or a Payment Initiation Service Provider authoriseauthorise in accordance with the provisions of this Agreement. 11.10. 9.5 You will be liable for all Card Transactions and Payments transactions that take place as a result of you or a Cardholder your acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 9.6 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Monese Account, Monese Card, Account, Monese App log log-in details, or PIN or Passcode by or authorised by either you or any Cardholdersyou. 11.13. 9.7 The Monese App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager Monese (including but not limited to the Apple App Store and Google Play). Use of the Monese App on such a device is at your risk and neither PPS nor the Programme Manager can we cannot be held responsible for any financial loss or data, Information loss of data or financial lossInformation.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safeAccountsafe; 11.5.2. notify us that the Card is lost or stolen immediately without delaywithoutdelay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,or 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 10.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of Cards issued for your Account (including any Cardholders) understand and comply with this AgreementAccount. 11.2. 10.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. 10.3 Where appropriate, any refusal to authorise a Card Transaction transaction will be relayed to the Cardholder you via the Merchant concerned. 11.4. 10.4 It is your responsibility to ensure Cardholders sign their your Card as soon as they you receive it and keep it safe. They You must also keep safe any security information or credentials related to the Card, the Account and the AppCountingup Apps. 11.5. 10.5 You will be liable for all unauthorised Card Transactions and Payments transactions that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails fail to: 11.5.1. 10.5.1 keep the Card and/or security features of the Card and the Account safe;, or 11.5.2. 10.5.2 notify us that the Card is lost or stolen immediately without delaystolen. 11.6. 10.6 You must ensure you and/or any Cardholders do not: 11.6.1. 10.6.1 allow another person to use a your Card, PIN or Passcode or security information related to the AppAccount. 11.6.2. 10.6.2 write down Passcode(spassword(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,Countingup Apps; or 11.6.3. 10.6.3 disclose their PIN, Passcode or password your PIN or any other security information related to your Card, Account and AppCountingup Apps or otherwise, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious an unusual manner. 11.7. 10.7 You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account. 11.8. 10.8 You must not disclose or make available your App Countingup Apps credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 10.9 You will be are responsible for all Card Transactions and Payments transactions which either you, any Cardholder you or a Payment Initiation Service Provider authoriseauthorises, whatever the manner of such authorisation. 11.10. 10.10 You will be liable for all Card Transactions and Payments transactions that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. 10.11 It is your responsibility to keep us updated informed of changes to your Informationinformation, including e-mail address addresses and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 10.12 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in Countingup Apps login details, or PIN or Passcode by or authorised by either you or any Cardholdersyou. 11.13. 10.13 The App is Countingup Apps are only supported on devices where the operating system has not been modified, or jailbroken, jailbroken or configured to allow software installation from sources other than those approved by the Programme Manager Countingup (including but not limited to the Apple App Store and Google Play). Use of the App Countingup Apps on such a device is at your risk and neither PPS nor the Programme Manager Countingup can be held responsible for any loss or of data, Information information or any financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 10.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issuedany Cards issued for your Account. You must ensure that any all the users of your Account (including any Cardholders) Additional Cardholders understand and comply with this Agreement. 11.2. 10.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. 10.3 Where appropriate, any refusal to authorise a Card Transaction transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. 10.4 It is your responsibility to ensure Cardholders the Cardholder sign their Card as soon as they receive it and keep keeps it safe. They You and any Cardholders must also keep safe any security information or credentials related to the Card, the Account and the AppSelf Service Account Management Portal. 11.5. 10.5 You will be liable for all unauthorised Card Transactions and Payments transactions that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. 10.5.1 keep the Card and/or security features of the Card and the Account safe;, or 11.5.2. 10.5.2 notify us that the Card is lost or stolen immediately without delaystolen. 11.6. 10.6 You must ensure you and/or any Cardholders do the Cardholder does not: 11.6.1. 10.6.1 allow another person to use a Card, PIN or Passcode or security information related to the AppAccount. 11.6.2. 10.6.2 write down Passcode(spassword(s), PIN or any security information related to Card, Card and Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 10.6.3 disclose their PIN, Passcode or password PIN or any other security information related to Card, Account Card and AppAccount, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. 10.7 You should never allow a third party other than a the Cardholder or and an Authorised Third Party Provider to use or access your Account 11.8. 10.8 You must not disclose or make available your App Self Service Account Management Portal credentials to a third party unless the third party is an Authorised Third third Party Provider and you want to use their services. 11.9. 10.9 You will be responsible for all Card Transactions and Payments transactions which either youa Cardholder authorises, any Cardholder or a Payment Initiation Service Provider authorisewhatever the manner of such authorisation. 11.10. 10.10 You will be liable for all Card Transactions and Payments transactions that take place as a result of you you, the Account Manager or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. 10.11 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 10.12 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the a Card, Account, App Self Service Account Management Portal log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 8.1 You are responsible for understanding and complying with the use of your Cards issued, the Account Agreement including these Terms and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this AgreementConditions. 11.2. 8.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information 8.3 You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.1. 8.3.1 allow another person to use a Card, PIN or Passcode or security information related to the App.Account and/or Virtual Cards, 11.6.2. 8.3.2 write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 8.3.3 disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. 8.4 You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.11. 8.5 You will be liable for all Transactions that the Associated Service Provider or any other Account Manager makes on your behalf as per this Agreement, along with those made by a TPP authorised by you to initiate a Transaction. 8.6 You will be liable for all unauthorised Transactions that arise from the use of lost or stolen Account or Virtual Card security information such as but not limited to the Online Portal log in details and API security details, Virtual Card number and CVV if you or the Account Manager fail to keep the security features of the Account and/or Virtual Cards safe. 8.7 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled Account or to let you know about changes to this Agreementthese Terms and Conditions. 11.12. To 8.8 If you request to recall a Transaction due to an error or mistake caused other than by Xxxxxx, we reserve the extent permitted right to charge you (i) a handling fee of £25 per recall and (ii) any fee payable by law, you Xxxxxx to a third-party bank or institution for handling the recall. 8.9 You agree to indemnify and hold harmless, us us, Modulr and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault Agreement, including these Terms and Conditions and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode these Terms and Conditions by or authorised by either you or any Cardholdersyou. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.110.1. You are responsible for the use of your Cards issued, the Account understanding and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand complying with these Terms and comply with this AgreementConditions. 11.210.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we We have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.310.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.110.3.1. allow another person to use a Card, PIN or Passcode or security information related to the App.Account, 11.6.210.3.2. write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.310.3.3. disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.1010.4. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.1110.5. You will be liable for all Transactions that Fitzrovia Finance or any other Account Manager makes on your behalf as per these Terms and Conditions, along with those made by a TPP authorised by you to initiate a Transaction. 10.6. You will be liable for all unauthorised Transactions that arise from the use of lost or stolen Account security information such as but not limited to the Online Portal log in details and API security details, if you or the Account Manager have failed to keep the security features of the Account safe. 10.7. It is your responsibility to keep us Us updated of changes to your Informationany information you have supplied to Us, including e-mail address and mobile numbers. Failure to do so may result in us Us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled Account or to let you know about changes to this Agreementthese Terms and Conditions. 11.1210.8. To If you request to recall a Transaction due to an error or mistake caused other than by Us, We reserve the extent permitted right to charge you (i) a handling fee of £25 per recall and (ii) any fee payable by law, you Us to a third-party bank or institution for handling the recall. 10.9. You agree to indemnify and hold harmless, us Us and our Our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any these Terms and Conditions, in the event of your breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholdersthese Terms and Conditions. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any thatany users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account.any 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to:Account 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other anyother person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Paymen t Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account.failing 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail e -mail address and mobile numbers. Failure to do so may result in us being unable to contact tocontact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log Applog in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 10.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issuedany Cards issued for your Account. You must ensure that any all the users of your Account (including the Account Manager and any Cardholders) Cardholders understand and comply with this Agreement. 11.2. 10.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, the Account Manager, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. 10.3 Where appropriate, any refusal to authorise a Card Transaction transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. 10.4 It is your responsibility to ensure Cardholders the Cardholder sign their Card as soon as they receive it and keep keeps it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. 10.5 You will be liable for all unauthorised Card Transactions and Payments transactions that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card if you or the App or if you Account Manager or a Cardholder fails to: 11.5.1. 10.5.1 keep the Card and/or security features of the Card and the Account safe;, or 11.5.2. 10.5.2 notify us that the Card is lost or stolen immediately without delaystolen. 11.6. 10.6 You must ensure you the Cardholder and/or any Cardholders do the Account Manager does not: 11.6.1. 10.5.1 allow another person to use a Card, PIN or Passcode or security information related to the AppAccount. 11.6.2. 10.6.2 write down Passcode(spassword(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 10.6.3 disclose their PIN, Passcode or password PIN or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 10.7 You will be responsible for all Card Transactions and Payments transactions which either you, the Account Manager or any Cardholder or a Payment Initiation Service Provider authoriseauthorises, whatever the manner of such authorisation. 11.10. 10.8 You will be liable for all Card Transactions and Payments transactions that take place as a result of you you, the Account Manager or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. 10.9 It is your responsibility to keep us updated of changes to your Information, including e-mail e-­‐mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 10.10 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App Self Service Account Management Portal log in details, or PIN or Passcode by or authorised by either you you, Account Manager or any Cardholders. 11.13. 10.11 The App Self Service Account Management Portal is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager Tide (including but not limited to the Apple App Store and Google Play). Use of the App Self Service Account Management Portal on such a device is at your or the Account Manager’s risk and neither PPS nor the Programme Manager or Tide can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 8.1 You are responsible for understanding and complying with the use of your Cards issued, the Account Agreement including these Terms and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this AgreementConditions. 11.2. 8.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information 8.3 You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.1. 8.3.1 allow another person to use a Card, PIN or Passcode or security information related to the App.Account and/or Virtual Cards, 11.6.2. 8.3.2 write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 8.3.3 disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. 8.4 You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.11. 8.5 You will be liable for all Transactions that the Partner Platform or any other Account Manager makes on your behalf as per this Agreement, along with those made by a TPP authorised by you to initiate a Transaction. 8.6 You will be liable for all unauthorised Transactions that arise from the use of lost or stolen Account or Virtual Card security information such as but not limited to the Online Portal log in details and API security details, Virtual Card number and CVV if you or the Account Manager fail to keep the security features of the Account and/or Virtual Cards safe. 8.7 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled Account or to let you know about changes to this Agreementthese Terms and Conditions. 11.12. To 8.8 If you request to recall a Transaction due to an error or mistake caused other than by Xxxxxx, we reserve the extent permitted right to charge you (i) a handling fee of £25 per recall and (ii) any fee payable by law, you Xxxxxx to a third-party bank or institution for handling the recall. 8.9 You agree to indemnify and hold harmless, us us, Modulr and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault Agreement, including these Terms and Conditions and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode these Terms and Conditions by or authorised by either you or any Cardholdersyou. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 10.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issuedany Cards issued for your Account. You must ensure that any all the users of your Account (including any Cardholders) Additional Cardholders understand and comply with this Agreement. 11.2. 10.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. 10.3 Where appropriate, any refusal to authorise a Card Transaction transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. 10.4 It is your responsibility to ensure Cardholders the Cardholder sign their Card as soon as they receive it and keep keeps it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. 10.5 You will be liable for all unauthorised Card Transactions and Payments transactions that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. 10.5.1 keep the Card and/or security features of the Card and the Account safe;, or 11.5.2. 10.5.2 notify us that the Card is lost or stolen immediately without delaystolen. 11.6. 10.6 You must ensure you and/or any Cardholders do the Cardholder does not: 11.6.1. 10.5.1 allow another person to use a Card, PIN or Passcode or security information related to the AppAccount. 11.6.2. 10.6.2 write down Passcode(spassword(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 10.6.3 disclose their PIN, Passcode or password PIN or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 10.7 You will be responsible for all Card Transactions and Payments transactions which either youa Cardholder authorises, any Cardholder or a Payment Initiation Service Provider authorisewhatever the manner of such authorisation. 11.10. 10.8 You will be liable for all Card Transactions and Payments transactions that take place as a result of you you, the Account Manager or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. 10.9 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 10.10 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the a Card, Account, App Self Service Account Management Portal log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 8.1 You are responsible for understanding and complying with the use of your Cards issued, the Account Agreement including these Terms and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this AgreementConditions. 11.2. 8.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information 8.3 You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.1. 8.3.1 allow another person to use a Card, PIN or Passcode or security information related to the App.Account and/or Virtual Cards; 11.6.2. 8.3.2 write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,; or 11.6.3. 8.3.3 disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. 8.4 You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing failing 8.5 You will be liable for all Transactions that the Partner Platform or any other Account Manager makes on your behalf as per 8.6 You will be liable for all unauthorised Transactions that arise from the use of lost or stolen or misappropriated Account or Virtual Card security information such as but not limited to comply with this Agreement the Online Portal log in details and API security details, Virtual Card number and CVV if you or the Account Manager fail to keep the security features of the Account and/or Virtual Card safe. You must notify Customer Services as soon as you become aware your Account and/or Virtual Card security information has been lost, stolen or compromised. After the point where you have notified us that your Account and/or Virtual Card security information has been lost, stolen or compromised, unless you have acted fraudulently with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions , you will only be deducted from liable for a maximum of £35 (or the Available Balance on your Accountequivalent in the relevant currency). 11.11. 8.7 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, (including the provision of refunds where we need to which contact you might be entitled urgently because we suspect or find that fraudulent activity has occurred on your Account (unless we are prohibited by law to contact you) or if we suffer a security threat) or to let you know about changes to this Agreementthese Terms and Conditions. 11.12. To the extent permitted by law, you 8.8 You agree to indemnify and hold harmless, us us, Modulr and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault Agreement, including these Terms and Conditions and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode these Terms and Conditions by or authorised by either you or any Cardholdersyou. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 8.1 You are responsible for understanding and complying with the use of your Cards issued, the Account Agreement including these Terms and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this AgreementConditions. 11.2. 8.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or your Account is causing or could cause a breach of this Agreement these Terms and Conditions or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or your Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information 8.3 You or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You Manager must ensure you and/or any Cardholders do not: 11.6.1. 8.3.1 allow another person to use a Card, PIN or Passcode or security information related to the App.Account and/or Virtual Cards; 11.6.2. 8.3.2 write down Passcode(s), PIN password(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,; or 11.6.3. 8.3.3 disclose their PIN, Passcode or password passwords or any other security information related to Card, Account and Appinformation, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. 8.4 You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder the Account Manager acting fraudulently or failing to comply with this Agreement these Terms and Conditions with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions Transactions will be deducted from the Available Balance on your Account. 11.118.5 You will be liable for all Transactions that the Partner Platform or any other Account Manager makes on your behalf as per this Agreement, along with those made by a TPP authorised by you to initiate a Transaction. 8.6 You will be liable for all unauthorised Transactions that arise from the use of lost or stolen or misappropriated Account or Virtual Card security information such as but not limited to the Online Portal log in details and API security details, Virtual Card number and CVV if you or the Account Manager fail to keep the security features of the Account and/or Virtual Card safe. You must notify Customer Services as soon as you become aware your Account and/or Virtual Card security information has been lost, stolen or compromised. After the point where you have notified us that your Account and/or Virtual Card security information has been lost, stolen or compromised, unless you have acted fraudulently with intent or gross negligence, you will only be liable for a maximum of £35 (or the equivalent in the relevant currency). 8.7 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, (including the provision of refunds where we need to which contact you might be entitled urgently because we suspect or find that fraudulent activity has occurred on your Account (unless we are prohibited by law to contact you) or if we suffer a security threat) or to let you know about changes to this Agreementthese Terms and Conditions. 11.12. To the extent permitted by law, you 8.8 You agree to indemnify and hold harmless, us us, Modulr and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault Agreement, including these Terms and Conditions and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode these Terms and Conditions by or authorised by either you or any Cardholdersyou. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 10.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of Cards issued for your Account (including any Cardholders) understand and comply with this AgreementAccount. 11.2. 10.2 We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder you or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. 10.3 Where appropriate, any refusal to authorise a Card Transaction transaction will be relayed to the Cardholder you via the Merchant concerned. 11.4. 10.4 It is your responsibility to ensure Cardholders sign their your Card as soon as they you receive it and keep keeps it safe. They You must also keep safe any security information or credentials related to the Card, the Account and the AppMobile Application. 11.5. 10.5 You will be liable for all unauthorised Card Transactions and Payments transactions that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails fail to: 11.5.1. 10.5.1 keep the Card and/or security features of the Card and the Account safe;, or 11.5.2. 10.5.2 notify us that the Card is lost or stolen immediately without delaystolen. 11.6. 10.6 You must ensure you and/or any Cardholders do not: 11.6.1. 10.6.1 allow another person to use a Card, PIN or Passcode or security information related to the Appyour Card and/or PIN. 11.6.2. 10.6.2 write down Passcode(spassword(s), PIN or any security information related to Card, Account and App Mobile Application unless this is done in a way that would make it impossible for anyone else to recognise any of that information,, or 11.6.3. 10.6.3 disclose their PIN, Passcode or password your PIN or any other security information related to Card, Account your Card and AppAccount, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. 10.7 You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account. 11.8. 10.8 You must not disclose or make available your App Mobile Application credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 10.9 You will be responsible for all Card Transactions and Payments transactions which either you, any Cardholder or you authorise including through a Payment Initiation Service Provider authoriseProvider. 11.10. 10.10 You will be liable for all Card Transactions and Payments transactions that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. 10.11 It is your responsibility to keep us updated of changes to your Informationinformation, including your e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. 10.12 The App Mobile Application is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager Digi Ventures (including but not limited to the Apple App Store and Google Play). Use of the App Mobile Application on such a device is at your risk with regards to ensuring you have sufficient technological security environment on your hardware and software and neither PPS nor the Programme Manager Digi Ventures can be held responsible for any loss or data, Information or financial lossof data by you.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. 9.1 You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Monese Account and any Monese Cards issued for your Monese Account. 9.2 You are responsible for keeping your Monese Card, security information related to your Monese Card and Monese Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or and Monese App credentials safe. 9.3 You must not: 9.3.1 allow a third party has committed or is about other than an Authorised Third Party Provider to commit a crime or other abuse in connection use your Monese Account to provide you with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safeServices; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. 9.3.2 allow another person to use a your Monese Card, PIN or Passcode or security information related to the App.; 11.6.2. 9.3.3 write down Passcode(s), your PIN or any security information related to Card, Account and App unless this is done in a way that would enables a third party to make it impossible for anyone else to recognise any fraudulent use of that information,oryour Monese Account or Monese Card; 11.6.3. 9.3.4 disclose their PIN, Passcode or password make available your PIN or any other security information related to Card, your Monese Card and Monese Account to third parties; 9.3.5 disclose or make available your Monese App credentials to a third party unless the third party is an Authorised Third Party Provider and App, or otherwise make them available you want to any other person, whether verbally or use services provided by entering them in a way that allows them to be observed by othersthem; or 11.6.4. 9.3.6 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. 9.4 You will be responsible for all Card Transactions transactions which you and Payments which either you, any Cardholder or a Payment Initiation Service Provider authoriseauthorise in accordance with the provisions of this Agreement. 11.10. 9.5 You will be liable for all Card Transactions and Payments transactions that take place as a result of you or a Cardholder your acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you 9.6 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Monese Account, Monese Card, Account, Monese App log log-in details, or PIN or Passcode by or authorised by either you or any Cardholdersyou. 11.13. 9.7 The Monese App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager Monese (including but not limited to the Apple App Store and Google Play). Use of the Monese App on such a device is at your risk and neither PPS nor the Programme Manager can we cannot be held responsible for any financial loss or data, Information loss of data or financial lossInformation.

YOUR LIABILITY AND AUTHORISATIONS. 11.1. You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement. 11.2. We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account. 11.3. Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned. 11.4. It is your responsibility to ensure Cardholders sign their Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Card, the Account and the App. 11.5. You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to: 11.5.1. keep the Card and/or security features of the Card and the Account safe; 11.5.2. notify us that the Card is lost or stolen immediately without delay. 11.6. You must ensure you and/or any Cardholders do not: 11.6.1. allow another person to use a Card, PIN or Passcode or security information related to the App. 11.6.2. write down Passcode(s), PIN or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information,orthat 11.6.3. disclose their PIN, Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 11.7. You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account 11.8. You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services. 11.9. You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise. 11.10. You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account. 11.11. It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement. 11.12. To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or PIN or Passcode by or authorised by either you or any Cardholders. 11.13. The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither PPS nor the Programme Manager can be held responsible for any loss or data, Information or financial loss.