• Terms of use

    Using your Lloyds Bank Corporate Markets plc card with Apple Pay

    In these Terms of Use:

    • Account: means the sterling account (whether in single or joint names) you hold with us that we have issued a debit card in connection with;

    • Card: means the debit card(s) we issue to you for your Account(s) and which you are registering with Apple Pay, and will include any replacement debit card(s) we issue to you;

    • Customer Relationship Agreement: means:

      • For customers of Lloyds Bank Corporate Markets plc: the agreement between you and us, of the same title, which is available on our website: islands.lloydsbank.com and may be requested by you at any time by contacting us;
       
    • We, us and our: means Lloyds Bank Corporate Markets Plc (trading as Lloyds Bank International) with registered office: 25 Gresham Street, London, EC2V 7HN; and

    • You and your: means the Account holder, or if the Account is in joint names, all Account holders.

    1. About Apple Pay and these Terms of Use

    You should read these Terms of Use alongside the terms of the existing agreement between you and us (including your Customer Relationship Agreement and any Card Conditions (being the terms and conditions which apply to your Card and which also form part of the agreement between you and us)). In the event of any conflict between these Terms of Use and your Customer Relationship Agreement or the Card Conditions, these Terms of Use will take priority.

    1.1 What is Apple Pay?

    Apple Pay is a service provided by Apple which can enable you to make contactless payments and in-app payments with supported Apple devices using your Card, but without having to produce the physical Card.

    1.2 What are these Terms of Use?

    These Terms of Use form part of the Agreement between you and Lloyds Bank Corporate Markets plc, and relate to the use of your Card with Apple Pay. By registering your Card with the Apple Pay service you agree to be bound by these Terms of Use.

    1.3 Do any other terms and conditions apply when I use Apple Pay?

    Yes. Any other agreements between you and us in connection with the use of your Card or Accounts will continue to apply. This means that transactions made using Apple Pay are also governed by the terms and conditions applicable to that Card or Account in the usual way.

    You may also have agreements with third parties in relation to your use of Apple services, such as Apple and other current account providers or card issuers whose cards you register with Apple Pay. We are not responsible for any agreements entered into by you with a third party and those agreements do not form part of any agreement between you and us. If you require any support or help to use Apple Pay, please contact Apple in accordance with their procedures for customer support and assistance.

    1.4 What do I need to use Apple Pay?

    You must have an eligible Card and meet all other eligibility requirements to use your Card with Apple Pay. For details of these requirements, please go to islands.lloydsbank.com/applepay. Please note that not all cards issued by us will be eligible for use with Apple Pay.

    To use an eligible Card with Apple Pay, you also need a supported Apple device and to meet other requirements specified by Apple from time to time. We have no control over or responsibility for these requirements. For more details about requirements imposed by Apple in relation to Apple Pay, including any minimum software and hardware requirements, please go to www.apple.com/uk/apple-pay.

    1.5 Are there any other limits or restrictions which apply when I use Apple Pay?

    We may apply limits or restrictions in respect of your use of Apple Pay if we reasonably think this is necessary because, for example, the security of your account is at risk or we suspect unauthorised or fraudulent use of your device.

    We recommend that from time to time you visit www.apple.com/uk/apple-pay to see if Apple has applied any limits or restrictions to your use of Apple Pay.

    2. Charges for using Apple Pay

    2.1 Are there any charges for using Apple Pay?

    We will not charge you solely in respect of using Apple Pay, but your network operator or internet provider may charge you for using the internet.

    Any charges, fees and interest which are payable under your existing Card or Account terms and conditions are unaffected and will apply in the usual way. Please see those Card or Account terms and conditions (including our banking charges and interest rate guides) for further information.

    3. Protection and Security

    3.1 What must I do to keep my details secure when using Apple Pay?

    Your existing Card or Account terms and conditions set out certain steps you must take to keep your Account and Card details secure. Those requirements also apply to the use of your Card with Apple Pay.

    In addition to those general requirements, you must do all you reasonably can to:

    • not leave your Apple device unattended;
    • use appropriate security on your device, such as passcodes, passwords and Touch ID; if Touch ID is available on your device, you must ensure you only register your own fingerprints (and not anyone else’s);
    • keep confidential your Apple User ID, Apple passwords, passcodes and any other means you have of accessing your Apple device or the information stored on it;
    • use Apple Pay in accordance with all terms and conditions notified to you which are applicable to Apple Pay (including these Terms of Use); and
    • follow any instructions we give you in connection with the use of your Card with Apple Pay.

    If you stop using your Apple device (for example, because you get a new device), you must delete all your personal and financial information from your old Apple device.

    3.2 What should I do if I suspect any unauthorised use of my Apple device or if my Apple device or security details have been compromised, lost or stolen?

    If your Apple device is lost or stolen, you should go to www.icloud.com/find or use the Find My iPhone app to suspend or remove the ability to pay from that device with Apple Pay.

    Alternatively, you should tell us as soon as possible by contacting us in the same way as you would if your physical Card was lost or stolen. Please see your Customer Relationship Agreement for further information.

    If you fail to take one of these steps, this may affect your liability for unauthorised transactions on your Card or Account in accordance with your Customer Relationship Agreement.

    4. Responsibilities when using Apple Pay

    4.1 What are Lloyds Bank Corporate Markets plc responsible for?

    We may conduct verification checks when you register your Card with Apple Pay. We also handle your transactions made via Apple Pay using your Card and those are subject to the existing agreement between you and us (including your Card or Account terms and conditions). Our and your responsibilities and liabilities under those terms and conditions for payments and transactions are not affected by these Terms of Use.

    Our liability for a failure by us to provide services to you with reasonable care and skill is not excluded by these Terms of Use and you may be entitled to remedies such as to require us to perform the relevant service again. We do not limit or exclude our liability to you to the extent that the law says we cannot limit or exclude that liability. For example, we do not limit our liability for acting fraudulently.

    4.2 What are Lloyds Bank Corporate Markets plc not responsible for?

    Except as stated in this section 4, we are not responsible for your use of Apple Pay or for any service, information, software or hardware provided to you by Apple or any other third party. We are not liable for any failures or faults, or any security, availability or performance issues, affecting or relating to Apple Pay or your Apple device.

    As this agreement is made with you as a personal customer, we will not be liable for any business losses or costs you suffer (such as loss of business profits or opportunities).

    4.3 What am I responsible for when I use Apple Pay?

    Please see your Customer Relationship Agreement for details of your (and our) liability for Card transactions.

    You will also be liable for any other costs or taxes imposed by third parties in connection with your use of Apple Pay.

    5. Using personal and other information

    5.1 How do you use my personal information when I use Apple Pay?

    Your personal information is processed in order to allow your Card to be used in the Apple Pay service and in accordance with our privacy notice which you can see:

    For customers of Lloyds Bank Corporate Markets plc: at islands.lloydsbank.com/privacy.

    We only share aggregated or anonymised information relating to your Card transactions with Apple for these purposes, and in order for Apple to improve and develop its technology, including Apple Pay. Apple and your card network (e.g. Visa) may also have terms which relate to how your personal information is used by them when you use Apple Pay. You should read any terms that they provide you with. We do not share your identity or information relating to your individual transactions with Apple.

    6. Changing and ending these Terms of Use

    6.1 Will Apple Pay change?

    Apple may make changes to Apple Pay from time to time. This is outside of our control and you should check with Apple for further information. We may change the way we work with Apple Pay too from time to time, including, for example, how we carry out our verification checks. We will give you notice of any changes which may affect these Terms of Use in accordance with section 6.2, below.

    6.2 Will these Terms of Use change?

    We may change these Terms of Use at any time, in accordance with the Customer Relationship Agreement. You will be notified of changes to these Terms of Use in the manner specified in the Customer Relationship Agreement.

    6.3 How can these Terms of Use be ended?

    You may end these Terms of Use at any time by deleting your Card details from each of your devices that use Apple Pay. For more information on how to do this please see our Apple Pay FAQs at islands.lloydsbank.com/applepay. Once you have deleted a Card from each of your devices that use Apple Pay, these Terms of Use will cease to apply to that Card.

    These Terms of Use will also end if your agreement with us for your Card or Account is ended at any time, in accordance with the terms and conditions applicable to the Card or Account in question.

    The availability of Apple Pay for use with your Card is outside of our control. Where possible we will give you reasonable notice of any plans to end or suspend the use of your Card with Apple Pay, but may not be able to do so if there are security or other urgent reasons.

    If these Terms of Use end, you will remain obliged to comply with any other agreements with us which remain in effect.

    6.4 How will I be notified of changes to these Terms of Use and how can Lloyds Bank Corporate Markets plc end these Terms of Use?

    We may notify you of any changes to, suspension or termination of these Terms of Use in accordance with your Customer Relationship Agreement.

    Notices which we send to you electronically in accordance with your Customer Relationship Agreement may include notices by any electronic means of communication that you have given us your details for and which may be appropriate in the circumstances such as email, SMS or Push notifications, through an app or online banking.

    7. Other information

    All the information we give you and all communications between you and us will be in English.

    These Terms of Use are governed by the law that applies to your applicable Card or Account (for example, if English law applies to your Account, English law will govern these Terms of Use in respect of the use of Apple Pay with the Card which has been issued on that Account). The courts of that jurisdiction will also be able to deal with any legal questions connected with these Terms of Use and you hereby agree that such courts shall have non-exclusive jurisdiction to settle any such legal questions.

    We may choose not to enforce or rely on one or more of these Terms of Use at any time, but we reserve the right to start applying them again at any time.

    Apple Pay is a service provided by Apple. When we refer to Apple in these Terms of Use we mean Apple Distribution International an Irish unlimited corporation having its principal place of business at Holly Hill Industrial Estate, Cork, Ireland.

    For customers of Lloyds Bank Corporate Markets plc who hold an Account in Jersey: To the extent permitted by the law of Jersey, we agree with you that no statutory terms (which shall include warranties, conditions or other contractual provisions) or rights, duties or liabilities imposed under the Supply of Goods and Services (Jersey) Law 2009 shall apply to you or us in relation to these Terms of Use.

    For customers of Lloyds Bank Corporate Markets plc who hold an Account in the Isle of Man: To the extent permitted by the laws of the Isle of Man, we agree with you that no statutory terms (which shall include warranties, conditions or other contractual provisions) or rights, duties or liabilities imposed under the Isle of Man Supply of Goods and Services Act 1996 shall apply to you or us in relation to these Terms of Use.

    8. Contact us

    You may contact us in the ways described at islands.lloydsbank.com/contact.

    Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

    9. Important legal information

    Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

    Lloyds Bank Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

    Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.

    The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

    The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

    The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.

    Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc

    Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

    The Jersey branch of Lloyds Bank Corporate Markets plc is not and is not required to be authorised under the Financial Services and Markets Act 2000 of the United Kingdom and therefore is not subject to the rules and regulations of the Financial Services Compensation Scheme made under that Act for the protection of depositors.

    The Isle of Man branch of Lloyds Bank Corporate Markets plc is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010, as amended (the “Isle of Man Scheme”). The Isle of Man Scheme offers protection for ‘eligible protected deposits’ of up to £50,000 (which includes deposits by most individual persons but does not, for example, include trustees or nominees) or £20,000 for most other categories of depositor, subject to certain rules and limitations set out in the Isle of Man Scheme. The maximum total amount of compensation covered by the Isle of Man Scheme is £200,000,000 in any consecutive ten year period. Further details of the Isle of Man Scheme are available on the Isle of Man Financial Services Authority’s website and on request.

    Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from telephone: +44 (0) 1481 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

    Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.