ALEXBANK Apple Pay Terms and Conditions

1. Definitions:

• Card Tokenization:
  It is the process of protecting sensitive payment data by replacing card credentials (PAN) with a randomly generated unique number called “Token”. In this process, we replace the actual card data such as the card number with a code called the “token” representing a set of data and the token requestor.
• Issuer Bank:
  The bank authorized by the Central Bank of Egypt to issue various types of electronic payment instruments with financial networks that have a mark of acceptance for customers and authenticate transactions and transfers made using Payment tools, ensuring compliance with the regulatory controls issued by the Central Bank of Egypt.
• Acquirer Bank:
  The bank authorized by the Central Bank of Egypt to provide electronic acceptance services using various payment tools issued by banks and completing settlement transactions, ensuring consistency with the regulatory authority controls issued by the Central Bank of Egypt.
• CDCVM (Consumer Device Cardholder Verification Method):
  Tools used to verify the cardholder through electronic devices using one of the following alternatives: Mobile Phone Passcode, Password created by the user, Biometric User Authentication (i.e.: face ID or fingerprint / touch ID)
• NFC (Near Field Communication):
  Communication through a close-range set of communication protocols enabling two devices or tools to communicate over a close range not exceeding 4 cm.
• Digital Wallet:
  An electronic payment system that uses your card or a digital record of your card to allow you to pay.

2. General Rules:

• Issuer Bank supports mobile payments on your device.
• The customer can use this as per the terms and conditions specified by the issuing bank/provider/device.
• The customer must read the terms before tokenizing the card through the application.
• Issuer bank standard terms apply to your use of the Card through the Wallet/Application.
• The customer is responsible for maintaining the mobile phone device, PIN, passcode, and all means through which the wallet/application can be accessed.
• The Bank has the right to stop or suspend mobile payment support at any time.
• The bank has the right to amend any terms and conditions related to the application.
• The customer should not use a modified mobile device such as jailbroken iOS.

3. Digital Wallet for third-party conditions
These Conditions apply to how the Bank facilitates the use of ALEXBANK’s debit, credit, and/or prepaid card when the customer adds or keeps a card in a Digital Wallet. A digital wallet is any electronic payment system that uses the Card or a digital record of the Card to allow customer pay for items through tokenization process it is operated by a Digital Wallet provider and is available on a suitable mobile iPhone, iPad or other smart device.
The words “you” and “your” mean you as an ALEXBANK customer and the words “we”, “us”, “our” means Bank of Alexandria “ALEXBANK”

• Your Card Terms and Conditions Still Apply
  The terms and conditions that apply to your card(s) (cards terms and conditions) still apply when you use your Card in a Digital Wallet. The Digital Wallet provider will also have terms and conditions, polices including a privacy policy and obligations that apply to your use of the Digital Wallet, you should make sure that you read these terms and conditions and polices and are satisfied with these.
• Using your Card in a Digital Wallet
  To add a Card to a Digital Wallet, you must follow the process set by the Digital Wallet Provider and any other procedure we or they may need to adopt. Not all Cards will be eligible to be added to the Digital Wallet
  Once a card is added, the Digital Wallet will only allow you to make purchases the Digital Wallet is accepted. You may remove your Card(S) from the Digital Wallet at any time by following the Digital Wallet Provider’s procedures for removal.
  You must continue to process any Digital Wallet transactions on your Card outstanding at the time you remove it from the Digital Wallet and you must still pay for such transactions.
  For example: If you made a transaction using your digitized card on the digital wallet, and you removed this card after that transaction from the wallet, this transaction will still due on this card until settlement date.
• Fees
  We do not charge fees for adding your Card to the Digital Wallet. The usual standard fees associated with using your card still apply.
• Responsibility for Digital Wallet working
  We do not operate the Digital Wallet and therefore cannot be responsible for its use or performance. We can only help you with using your card. We are not responsible for the Digital Wallet, for example, if it requires updating, becomes unavailable or if you are unable to use it for any transaction, or if a merchant refuses to accept payment using the Digital Wallet.
• Card and Device Security
  You must not share any usernames, passcodes or any other information related to your Card or Device. If you share this information with others, they may be able to access your Digital Wallet and make purchases with your Card or obtain your personal information. Before you replace or dispose of a device, you must ensure that all Card information is deleted from that device. You agree to contact us immediately if any device on which you have a Card has been lost or stolen, or if you suspect that there has been fraud in relation to your Card, for example if you receive a text message, alert or other such notification to your Device indicating that you have added a Card to a Digital Wallet and you did not do so, or if you receive a receipt for something you did not purchase. We will not be responsible for any losses you incur except as set out in the Card Conditions.
• Cancelling or Suspending
  There may be situation where we refuse to allow a Card to be added to a Digital Wallet, or cancel or suspend use of a Card to make purchases using the Digital Wallet. We can do this for any reason and at any time, including where you are in breach of these Conditions.
• Stopped Cards Statuses
  If you stopped the card linked to the digital wallet for any reason, then you must stop the tokenization/ digital wallets as well the token will be active unless you request.
• Changed Conditions
  These conditions may change from time to time, after which the continued use of your Card with the Digital Wallet will mean that you have accepted them.

4. Tokenization
By completing setup process, you have agreed to avail the tokenization service to the card you have added.
By allowing “tap to pay” feature to any of your cards for the first time. You will be asked to set a specific card as default, so that you can use it for payments just by unlocking your mobile authentication and place your device near to POS reader using NFC technology and without the need to login to the application/ wallet.
If you want to use another card other than the default card, you will need to open the wallet and pick the desired card you want to pay with and put the device near the POS reader to complete the transaction using NFC technology.
If you want to change the default card from one to another, you can choose any of the tokenized cards and set as default.
In the event where the card is in “pending activation/ pending issuance” status and has been tokenized for use through any device, any usage will be considered as actual usage of the physical card and will entail all applicable obligations, noting that this will not constitute activation of the physical card.
The bank has the right to deduct card issuance fees or any other related fees it deems applicable, upon card tokenization even if the physical card status is “Pending activation/ pending issuance”.
In case the card is in “Pending Activation/ Pending Issuance” status and is added to Apple Pay. It can be used only through Apple Pay until the physical card is activated.

5. Service Suspension:
You can detokenize any of your cards by removing the card from the wallet and re adding again if you want but you will follow another verification method again if you were asked for.

6. Misuse Suspension
The bank has the right to disable/ stop the service (stop, suspend, or terminate the token on the wallet) is suspecting any suspicious transactions or trials and for any misuse detected for the service. The bank has the right to terminate the token at any time

7. Complaints Handling Process
We acknowledge the mechanism of submitting complaints at the bank, through any of the bank’s official channels which are (Contact Center, Public Portal or any of ALEXBANK’s branches). The bank is committed to reply over the complaint within 15 working days of it’s submission date (except for the complaints related to transactions processed with third parties).

8. Lost Devices or Stolen Information
If your Device (mobile phone) is lost/stolen or you suspect any other security breach; you should contact the bank’s contact center immediately asking to suspend the service (the card digitized token on wallet).