Garmin Pay™

You agree that you accept these Terms and Conditions by adding your card to Garmin Pay.

These Terms and Conditions apply in addition to:

• Hume Bank’s Digital Wallet Terms and Conditions;
• Relevant Terms and Conditions available in Hume Bank’s Product Disclosure Statement;
• Fees & Charges – Personal Credit cards
• Terms, Conditions, Fees & Charges for Hume Bank’s Visa Debit Card; and
• Conditions of Use – Personal and Business Credit Cards.

Garmin Pay is provided by Garmin, not by Hume Bank.

Hume Bank is not liable for the use, functionality or availability of Garmin Pay, any Garmin Device or any disruption caused from the availability of contactless merchant terminals or reduced service levels caused by the failure of telecommunications networks.

You must agree to Garmin's terms and conditions in order to register and use Garmin Pay.

Your card can be registered with Garmin Pay to make contactless payments at participating retailers.

To add your card, you must follow the procedures provided by Hume Bank. In doing so, we may require you to adequately identify yourself via a variety of mechanisms to authenticate your request to register your card with Garmin Pay. If we cannot authenticate your request to our satisfaction or if we suspect that there may be attempted fraud, we may decline the request to add your card to Garmin Pay.

Once your card is registered with Garmin Pay, you can use your Garmin Device and its security settings (such as passcode or biometric data) to authorise transactions on your account.

You need to select your card as the default card in your Digital Wallet to ensure your card is used to complete a transaction. The transaction limits that apply to your card do not change as a result of adding it to Garmin Pay.

Garmin Pay may not be accepted outside of Australia, or at all places where your Hume Bank Card is accepted.

Hume Bank may suspend or terminate your use of Garmin Pay if:

• your card is cancelled, blocked or suspended;
• you breach these Terms and Conditions, or the Terms and Conditions listed under Clause 1.
• we, Garmin or a card network provider reasonably suspects fraud;
• if we are required to do so under any legislation or law, or if required to by a regulatory or government body;
• if our arrangements with Garmin regarding Garmin Pay cease or are suspended; and
• for any other reason we deem appropriate.

You must tell us straight away if:

• your card or Garmin device has been lost or stolen; or
• you suspect someone else has used your account without your permission or may have access to your Garmin device or know your security credentials.

You must immediately unlink your card from Garmin Pay if your Garmin device is stolen or lost.

It may be possible to make transactions using Garmin Pay after deleting or uninstalling the Garmin application on your mobile device. If you no longer wish to use a Hume Bank Card with Garmin Pay, you should remove your card from Garmin Pay prior to deleting/uninstalling the Garmin application on your mobile device.

You can ensure that your Hume Bank Card cannot be used with Garmin Pay on your Garmin device by:

• removing the Garmin account to which the Hume Bank Card was added in the Garmin mobile application;
• undertaking a factory reset of your Garmin Device; or
• erasing your Garmin device on the Garmin mobile application.

If you fail to comply with any of the requirements stated in this clause, you are taken to have authorised any transaction made using Garmin Pay on your Garmin device and as such, the transaction cannot be deemed as an unauthorised transaction.

If your Hume Bank Visa Card registered with Garmin Pay is lost or stolen, you will still be able to transact using Garmin Pay while you wait for your new card. If you wish to stop transactions using Garmin Pay (e.g. when your Garmin Device is also lost or stolen) you must notify Hume Bank so that Hume Bank can remove the Hume Bank Visa Card from active status in Garmin Pay. A Hume Bank Visa Card loaded in your Garmin Pay that has a lost or stolen status will be automatically updated to the new card number once it has been activated.

You agree that we may exchange information with Garmin and card scheme networks (i.e. Visa), related to the set up and use of Garmin Pay. By using Garmin Pay you agree that:

• Garmin can provide us with information, such as your Garmin device details, for purposes including providing customer support, detecting and managing fraud, and to comply with applicable laws and regulations.
• We can provide Garmin and card scheme networks with information for the purpose of generally improving Garmin Pay. Each party’s data collection and handling practices are in accordance with their respective privacy policy (available at Garmin.com/global/us/legal/privacy-policy, visa.com.au)

Hume Bank’s privacy policy (available at humebank.com.au/privacy) provides further details regarding the collection and handling of your information.

We are not liable for any losses you may incur, injury or harm you may suffer as a result of Garmin or a card scheme network’s use of your information. Should you not want to share this information, do not register your Hume Bank card in a digital wallet.

Hume Bank will not be liable for any loss arising from your use of Garmin Pay to the extent the loss was caused by:

• Your fraud;
• Your failure to adequately secure your device, or protect any passcode used to access your device;
• Your use of Garmin Pay or the Garmin device in a manner not permitted by Garmin (for example, by obtaining root access to your Garmin device); or
• Subject to your rights under the ePayments Code, a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers).

If you fail to comply with any of the requirements stated in this clause, you are taken to have authorised any transaction made using Garmin Pay on your Garmin device and the transaction cannot be deemed as an unauthorised transaction.

We can make changes to these terms and conditions at any time. You acknowledge that we may contact you electronically regarding changes to these terms or this service (e.g. via SMS, email, notifications in app), and that this is considered written notice for the purpose of these terms.  You agree to any such amendments by continuing to keep a Hume Bank card in a Digital Wallet. 

You acknowledge that we may contact you electronically regarding changes to these terms or this service (e.g. via SMS, email, notifications in app), and that this is considered written notice for the purpose of these terms.

Garmin, Garmin Pay and associated logos are trademarks of Garmin (Australasia) Ltd. ACN 129 153 448.

For more information visit humebank.com.au/Garminpay