Common use of Your Liability for Transactions Clause in Contracts

Your Liability for Transactions. a. If you believe that a Transaction has been incorrectly executed or was not authorised by you, you must inform us immediately via Customer Services. Failure to notify us immediately on becoming aware or, in any event, within 13 months from the date of the unauthorised or incorrectly executed Transaction will result in you losing your entitlement to have the matter corrected. b. Where we establish that a Transaction was not authorised by you and you have notified us in a timely manner and within 13 months of the date of the unauthorised Transaction, unless Section 13(c) applies, we shall refund to you the full amount debited without authorisation. c. You will be liable for: i. all losses incurred in respect of a Transaction made by us which was not authorised by you, if you have acted fraudulently, or have intentionally or with gross negligence failed to comply with the obligations set out under Keeping Your Card and OnePay Account Secure (Section 10) or you have not notified us in a timely manner in accordance with Section 13(b); and ii. where Section 13(c)(i) does not apply, up to £35 of any losses incurred in respect of a Transaction not authorised by you, where you have otherwise failed to comply with your obligations under Keeping Your Card and OnePay Account Secure (Section10). d. In any event, we will refund the full amount where: i. The loss, theft or misuse was not detectable to you prior to a Transaction; and/or ii. The unauthorised Transaction was caused by the acts or lack of action on our part (including an employee or agent or a third party to which we have outsourced activities). e. If any of the above circumstances in this Section 13(a) and (b) apply, you may also contact the Merchant as this may support the resolution of the dispute. If you would like us to raise a Chargeback to try and resolve the matter and we (in our absolute discretion) consider it is appropriate to do so and that you are eligible and have legitimate reasons for this, we will make reasonable efforts to try and chargeback the transaction however we cannot guarantee this will be successful. We may (in our absolute discretion) charge you an administration fee for raising the chargeback (as set out in Section 15 below) and we will confirm this to you before we commence the chargeback process on your behalf. We will also give you other relevant information such as the maximum time periods in which Mastercard can take to adjudicate a chargeback and when we are likely to be back in touch. If we refund a disputed Transaction to the OnePay Account and subsequently receive information to confirm that the Transaction was authorised by you and correctly deducted from your Available Funds, we shall: i. deduct the amount of the disputed Transaction from your Available Funds; and ii. re-charge any fees and/or charges that you owe us.

Your Liability for Transactions. a. If you believe that a Transaction has been incorrectly executed or was not authorised by you, you must inform us immediately via Customer Services. Failure to notify us immediately on becoming aware or, in any event, within 13 months from the date of the unauthorised or incorrectly executed Transaction will result in you losing your entitlement to have the matter corrected. b. Where we establish that a Transaction was not authorised by you and you have notified us in a timely manner and within 13 months of the date of the unauthorised Transaction, unless Section 13(c) applies, we shall refund to you the full amount debited without authorisation. c. You will be liable for: i. 1. all losses incurred in respect of a Transaction made by us which was not authorised by you, if you have acted fraudulently, or have intentionally or with gross negligence failed to comply with the obligations set out under Keeping Your Card and OnePay Account Secure (Section 10) or you have not notified us in a timely manner in accordance with Section 13(b); and ii2. where Section 13(c)(i11(c)(i) does not apply, up to £35 of any losses incurred in respect of a Transaction not authorised by you, where you have otherwise failed to comply with your obligations under Keeping Your Card and OnePay Account Secure (Section10)Section 8). d. In any event, we will refund the full amount where: i. 1. The loss, theft or misuse was not detectable to you prior to a Transaction; and/or ii2. The unauthorised Transaction was caused by the acts or lack of action on our part (including an employee or agent or a third party to which we have outsourced activities). e. If f any of the above circumstances in this Section 13(a) and (b) apply, you may also contact the Merchant as this may support the resolution of the dispute. If you would like us to raise a Chargeback to try and resolve the matter and we (in our absolute discretion) consider it is appropriate to do so and that you are eligible and have legitimate reasons for this, we will make reasonable efforts to try and chargeback the transaction however we cannot guarantee this will be successful. We may (in our absolute discretion) charge you an administration fee for raising the chargeback (as set out in Section 15 below) and we will confirm this to you before we commence the chargeback process on your behalf. We will also give you other relevant information such as the maximum time periods in which Mastercard can take to adjudicate a chargeback and when we are likely to be back in touch. If we refund a disputed Transaction to the OnePay Account and subsequently receive information to confirm that the Transaction was authorised by you and correctly deducted from your Available Funds, we shall: i. 1. deduct the amount of the disputed Transaction from your Available Funds; and ii2. re-charge any fees and/or charges that you owe us.

Your Liability for Transactions. a. If you believe that a Transaction has been incorrectly executed or was not authorised by you, you must inform us immediately via Customer Services. Failure to notify us immediately on becoming aware or, in any event, within 13 months from the date of the unauthorised or incorrectly executed Transaction will result in you losing your entitlement to have the matter corrected. b. Where we establish that a Transaction was not authorised by you and you have notified us in a timely manner and within 13 months of the date of the unauthorised Transaction, unless Section 13(c) applies, we shall refund to you the full amount debited without authorisation. c. You will be liable for: i. all losses incurred in respect of a Transaction made by us which was not authorised by you, if you have acted fraudulently, or have intentionally or with gross negligence failed to comply with the obligations set out under Keeping Your Card and OnePay Account Secure (Section 10) or you have not notified us in a timely manner in accordance with Section 13(b); and ii. where Section 13(c)(i) does not apply, up to £35 of any losses incurred in respect of a Transaction not authorised by you, where you have otherwise failed to comply with your obligations under Keeping Your Card and OnePay Account Secure (Section10). d. In any event, we will refund the full amount where: i. The loss, theft or misuse was not detectable to you prior to a Transaction; and/or ii. The unauthorised Transaction was caused by the acts or lack of action on our part (including an employee or agent or a third party to which we have outsourced activities). e. If any of the above circumstances in this Section 13(a) and (b) apply, you may also contact the Merchant as this may support the resolution of the dispute. If you would like us to raise a Chargeback to try and resolve the matter and we (in our absolute discretion) consider it is appropriate to do so and that you are eligible and have legitimate reasons for this, we will make reasonable efforts to try and chargeback the transaction however we cannot guarantee this will be successful. We may (in our absolute discretion) charge you an administration fee for raising the chargeback (as set out in Section 15 below) and we will confirm this to you before we commence the chargeback process on your behalf. We will also give you other relevant information such as the maximum time periods in which Mastercard can take to adjudicate a chargeback and when we are likely to be back in touch. If we refund a disputed Transaction to the OnePay Account and subsequently receive information to confirm that the Transaction was authorised by you and correctly deducted from your Available Funds, we shall: i. deduct the amount of the disputed Transaction from your Available Funds; and ii. re-charge any fees and/or charges that you owe us.

Your Liability for Transactions. a. a) If you believe that a Transaction has been incorrectly executed or was not authorised by you, you must inform us immediately via Customer Services. Failure to notify us immediately on becoming aware or, in any event, within 13 months from the date of the unauthorised or incorrectly executed Transaction will result in you losing your entitlement to have the matter corrected. b. b) Where we establish that a Transaction was not authorised by you and you have notified us in a timely manner and within 13 months of the date of the unauthorised Transaction, unless Section 13(c11(c) applies, we shall refund to you the full amount debited without authorisation. c. c) You will be liable for: i. all losses incurred in respect of a Transaction made by us which was not authorised by you, if you have acted fraudulently, or have intentionally or with gross negligence failed to comply with the obligations set out under Keeping Your Card and OnePay Card Account Secure (Section 10) 8) or you have not notified us in a timely manner in accordance with Section 13(b11(b); and ii. where Section 13(c)(i11(c)(i) does not apply, up to £35 of any losses incurred in respect of a Transaction not authorised by you, where you have otherwise failed to comply with your obligations under Keeping Your Card and OnePay Card Account Secure (Section10)Section 8). d. d) In any event, we will refund the full amount where: i. The loss, theft or misuse was not detectable to you prior to a Transaction; and/or ii. The unauthorised Transaction was caused by the acts or lack of action on our part (including an employee or agent or a third party to which we have outsourced activities). e. e) If any of the above circumstances in this Section 13(a11 (a) and (b) apply, you may also contact the Merchant as this may support the resolution of the dispute. If you would like us to raise a Chargeback to try and resolve the matter and we (in our absolute discretion. f) consider it is appropriate to do so and that you are eligible and have legitimate reasons for this, we will make reasonable efforts to try and chargeback the transaction however we cannot guarantee this will be successful. We may (in our absolute discretion) charge you an administration fee for raising the chargeback (as set out in Section 15 below) and we will confirm this to you before we commence the chargeback process on your behalf. We will also give you other relevant information such as the maximum time periods in which Mastercard can take to adjudicate a chargeback and when we are likely to be back in touch. If we refund a disputed Transaction to the OnePay Card Account and subsequently receive information to confirm that the Transaction was authorised by you and correctly deducted from your Available Funds, we shall: i. deduct the amount of the disputed Transaction from your Available Funds; and ii. re-charge any fees and/or charges that you owe us.