Using a Digital Wallet with the Grandpoint Bank Debit Card
Terms and Conditions of Use for Digital Wallets
These Terms and Conditions of Use for Digital Wallets (“Terms”) apply when you add an eligible Grandpoint Bank Debit Card to, and otherwise use, the Digital Wallet service offered by a Digital Wallet service provider and/or their agents. In these Terms, “you” and “your” refer to the cardholder of the Grandpoint Bank Debit Card, and “we”, and “our”, refer to the issuer of your Grandpoint Bank Debit Card, which is Grandpoint Bank. When you enroll your Grandpoint Bank Debit Card to use a Digital Wallet, you agree to these Terms.
- Digital Wallet
A Digital Wallet allows you to store virtual representations of credit and debit cards on your supported mobile device to make contactless payments at select merchants utilizing the merchant’s contactless terminal or in-app or other digital commerce payments at merchants participating in the Digital Wallet service.
- Enrolling a Grandpoint Bank Debit Card in a Digital Wallet service
You can enroll an eligible Grandpoint Bank Debit Card in a Digital Wallet service by inputting your Debit Card information into the Digital Wallet application of your compatible mobile device, consistent with the Digital Wallet application’s instructions. Only those Grandpoint Bank Cards that we specify and approve are eligible and can be enrolled to be used with the Digital Wallet service. Any account information entered into the Digital Wallet application is provided by you and you are solely responsible for the completeness and accuracy of this account information. When you enroll your Grandpoint Bank Debit Card in a Digital Wallet, you are permitted to use your compatible mobile device to pay for purchases with your Grandpoint Bank Debit Card account where ever the Digital Wallet is accepted. The Digital Wallet may not be utilized or accepted at all places where your Grandpoint Bank Debit Card is accepted.
- Your Account Agreement Continues to Apply
- Third Party Fees and Charges
Grandpoint Bank does not charge you any additional fees for adding your Grandpoint Bank Debit Card to Digital Wallet or using Digital Wallet to pay for a transaction using your Grandpoint Bank Debit Card. Third parties such as wireless companies or data service providers may charge you fees for enrolling in and using Digital Wallet and you are responsible for any such wireless carrier data or usage fees incurred.
- Grandpoint Bank Is not Responsible for the Digital Wallet
Grandpoint Bank is not the provider of Digital Wallet, and we are not responsible for providing the Digital Wallet service to you. We are not responsible for any failure of the Digital Wallet service, or your inability to use the Digital Wallet for any transaction. We are not responsible for the performance or non-performance of the Digital Wallet Provider or any other third parties regarding any agreement you enter into with the Digital Wallet Provider or associated third party relationships that may impact your use of the Digital Wallet.
- No Illegal Use
You agree not to use your Grandpoint Bank Debit Card and Digital Wallet for illegal or fraudulent purposes, or any other purposes which are prohibited by the Digital Wallet application license and these Terms. You further agree to use your Grandpoint Bank Debit Card and the Digital Wallet in accordance with applicable law and regulations.
You are responsible for keeping your Digital Wallet login and credentials private and secure. After enrolling in the Digital Wallet service, you should secure your mobile device with the same care you would your Grandpoint Bank Debit Card, cash, checks and other personal identification numbers and passwords in order to avoid unauthorized use of your Grandpoint Bank Debit Card account(s). If you share your credentials with any other person, they may be able to use your mobile device and get access to your personal and payment information available through the Digital Wallet service. You should call us immediately if you believe your mobile device or authentication credentials have been lost, stolen or compromised in any way or an unauthorized person has used or may use your credentials without your authorization.
- Removing Your Grandpoint Bank Debit Card from Digital Wallet
- Terminating or Changing these Terms
We can terminate these Terms at any time with or without prior advance notice; however, we will provide notice if required by law. We can also change these Terms, or add or delete any terms in these Terms, at any time. You cannot change these terms, but you can terminate these Terms at any time by removing your Grandpoint Bank Debit Card from the Digital Wallet application.
- DISCLAIMER OF WARRANTIES
You expressly acknowledge and agree that the use of the Digital Wallet is at your sole risk. To the extent permitted by applicable law, the ability to use your Grandpoint Bank Debit Card with Digital Wallet is provided to you "as is" and "as available,” with all defects that may exist from time to time and without warranty of any kind, and Grandpoint Bank, on behalf of itself and its suppliers, hereby disclaims all warranties and conditions with respect to Digital Wallet, whether express, implied or statutory, including, but not limited to, the implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement of third party rights. We, on behalf of ourselves and our suppliers, also do not warrant against interference with your enjoyment of Digital Wallet, or that the functions contained in the Digital Wallet service, or services performed or provided by the Digital Wallet Provider, will meet your requirements, that the operation or availability of the Digital Wallet will be uninterrupted or error-free, or that defects in Digital Wallet will be corrected. No oral or written information or advice given by Grandpoint Bank, any of its authorized representatives or any third party shall create any warranty to you.
Access, use and maintenance of Digital Wallet depend on the Digital Wallet Provider and the networks of wireless carriers. Grandpoint Bank does not operate the Digital Wallet service or such networks and has no control over their operations. Grandpoint Bank will not be liable to you for any circumstances that interrupt, prevent or otherwise affect the functioning of the Digital Wallet, such as unavailability of the Digital Wallet service or your wireless service, communications, network delays, limitations on wireless coverage, system outages, or interruption of a wireless connection. Grandpoint Bank disclaims any responsibility for the Digital Wallet service or any wireless service used to access, use or maintain the Digital Wallet.
Use of Digital Wallet involves the electronic transmission of personal information through third party connections. Because we do not operate or control these connections, we cannot guarantee the privacy or security of these data transmissions. Additionally, your supported device's browser is generally preconfigured by your wireless carrier. Check with the Digital Wallet Provider and your wireless carrier for information about their privacy and security practices. For personal or confidential information sent to or from Grandpoint Bank over the internet from your supported mobile device, we reserve the right to limit such connections to "secure sessions" that have been established using transportation layer security or other security standards we select.
We make no guarantees about the information shown in the Digital Wallet service. We also are not responsible for your supported device or the software or hardware it contains and make no representations, warranties, or guarantees regarding the same.
This Section shall survive any termination of these Terms.
- LIMITATION OF LIABILITY
HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
This Section shall survive any termination of these Terms.
- Notices and Electronic Communications
You consent to receive electronic communications and disclosures from us in connection with your Grandpoint Bank Debit Card and the Digital Wallet. You agree that we can contact you by email at any email address you provide us in connection with any Grandpoint Bank account. We can also provide notices to you concerning these Terms and your use of your Grandpoint Bank Debit Card with the Digital Wallet by posting the material on our website (www.grandpointbank.com), by calling you at the telephone number you provide to us, or by contacting you at the current address we have on file for you. You further agree to update your contact information with us when it changes.
- Governing Law and Disputes
These Terms are governed by federal law and, to the extent state law applies, the laws of the state that apply to the agreement under which your Grandpoint Bank Debit Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Account Agreement.
If you have any questions, disputes, or complaints about the use of your Grandpoint Bank Debit Card with the Digital Wallet, contact the Digital Wallet Provider using the information given to you by the provider. If you have questions, disputes, or complaints about your Grandpoint Bank Debit Card, then contact us at: 213-542-2700.