Liability for unauthorised transactions Clause Samples
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Liability for unauthorised transactions. If you are an individual, the ePayments Code and this part determines your liability for losses arising from an unauthorised transaction. We warrant that we will comply with the ePayments Code. You can review your transaction history at any time by logging in to your account and clicking Activity. It is important that you regularly access and review your transaction history and immediately contact us if you believe your account has been compromised. You are not responsible for any loss resulting from an unauthorised transaction if: • The loss was due to fraud or negligence by any of our employees or agents, or employees or agents (including merchants) involved in the Electronic Fund Transfer network; • A security key or password was forged, faulty, expired or cancelled; • A transaction requiring the use of a security key and/or password occurred before the user received it (including a reissued security key and/or password); • A transaction was incorrectly debited more than once; or • An unauthorised transaction was performed after we were informed that a security key had been misused, lost or stolen or that the security of a password had been breached. You are responsible for losses arising from an unauthorised transaction where we can prove on the balance of probability that you contributed to a loss through fraud or by breaching the password security requirements (see Safety and Security Guidelines). You will be liable in full for the actual losses that occur before the loss, theft or misuse of a security key or breach of password security is reported to us. Where we can prove on the balance of probability that you contributed to losses resulting from an unauthorised transaction by unreasonably delaying reporting the misuse, loss or theft of a security key or breach of password security, you are liable for the actual losses that occur between: • When you became aware of the security compromise or should reasonably have become aware of it. • When the security compromise was reported to us. To the extent required by the ePayments Code, you will not be responsible for any loss suffered because PayPal accepted your instructions but failed to complete a payment due to a malfunction. If PayPal malfunctions and you should have been aware that our service was unavailable or malfunctioning, we will only be responsible for correcting errors in your accounts and refunding any associated fees or charges. Even when you are liable for losses, you will not be liable f...
Liability for unauthorised transactions. Subject to the remainder of this Agreement, where you notify us that a payment has been made from your Account which was not authorised by you, as soon as we are reasonably satisfied that you did not authorise the payment we will restore your Account to the state it would have been in had the unauthorised payment not taken place (for example, by refunding any charges or interest you have paid as a result but will have no further liability to you) but this may be reversed upon further investigation. We will normally refund your Account by the end of the following Business Day. On occasion we may decide to carry out a more detailed investigation, which we will do as quickly as possible.
Liability for unauthorised transactions. If you report that there has been an Improper Account Access related to your Account, and there is no evidence to suggest fraud or deliberate or grossly negligent behaviour by you, we will reimburse you in full for all unauthorised transactions sent from your Account provided that you have informed us of the Improper Account Access without undue delay and in any event, no later than 13 months after the first Improper Account Access transaction was executed. Where we believe in our reasonable opinion that further investigation is required to ascertain more clearly the circumstances surrounding the reported Improper Account Access, we will follow the same process as set out in section 12.3 above for such investigation
Liability for unauthorised transactions. You are not liable for losses resulting from Unauthorised Transactions where:
(a) it is clear that the Cardholder did not contribute to the loss;
(b) it is caused by the fraudulent or negligent conduct of our employees or agents or Merchants;
(c) it occurs before the Cardholder receives the Card;
(d) it occurs after we have been notified by the prescribed form, of a security issue with the Card and PIN;
(e) it is a result of the same transaction being incorrectly debited more than once to the same Cardholder Account. You will be liable for actual losses resulting from Unauthorised Transactions caused by a Cardholder if:
(a) you or the Cardholder unreasonably delay notifying us of the security issue with the Card and PIN;
(b) you or the Cardholder engage in fraud;
(c) the Cardholder voluntarily provided their Card and/or disclosed their PIN to someone including a third party, family member or a friend ; or
(d) the Cardholder fails to protect the Card and PIN;
Liability for unauthorised transactions. The Cardholder would not be liable for Card-present unauthorised transactions which require PIN verification or signature verification or the use of a contactless card, provided always that the Cardholders have not: i.
Liability for unauthorised transactions. Without prejudice to your statutory rights, if you report that there has been an Improper Account Access related to your Account, and there is no evidence to suggest fraud or deliberate or grossly negligent behaviour by you, we will reimburse you in full for all unauthorised transactions sent from your Account provided that you have informed us of the Improper Account Access without undue delay and in any event, no later than 13 months after the first transaction arising from that Improper Account Access was executed. Where we believe in our reasonable opinion that further investigation is required to ascertain more clearly the circumstances surrounding the reported Improper Account Access, we will follow the same process as set out in section 12.3 above for such investigation
Liability for unauthorised transactions. 13.1. We are responsible for losses caused by unauthorised transactions unless otherwise specified in this section. A transaction is considered unauthorised if the Cardholder has not consented to the transaction.
13.2. Provided You have not acted fraudulently or with gross negligence, your maximum liability for any unauthorized transactions or fees incurred on your Card before You report it lost or stolen will be £35.00. “Gross negligence” could include keeping Your PIN close to Your Card, so that both are easy to use by a third party.
13.3. You will be responsible for
13.3.1. any unauthorised activity and loss if You act fraudulently or intentionally or with gross negligence fail to comply with the obligations of Sections 11 and 12
13.3.2. any loss or fraud that results directly from your failure to advise us promptly of any name, address or contact details changes.
13.4. In the event that You do not use your Card in accordance with this Agreement or We find that You are using the Card fraudulently, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You using this Card and to recover any monies owed as a result of your activities.
13.5. You will not be liable for unauthorized transactions that occur after You have notified us of lost, stolen or misappropriated Card or Credentials, unless You have acted fraudulently. 14 Refunds and OUR LIABILITIES
14.1. Provided that You dispute an unauthorized transaction in accordance to Sections 12 and 13 of this Agreement without undue delay after You became or should have become aware of the circumstance, and no later than 13 months after the debit date, we must refund the amount of the transaction. Our obligation to refund the charge does not apply if (a) You have accepted liability for the transaction in writing, or (b) We have reason to believe that the transaction was authorized by You and initiate an investigation into the matter. The duty to ▇▇▇▇▇▇ stated in the first sentence does not apply to your own liability for £35.00 under Section 13.2.
14.2. Without prejudice to your obligations under Section 11, We will ensure that the Credentials associated with the Card or Account are not available to anyone other than You.
14.3. We will ensure the availability of our Account Centre or Customer Service at all times for You to notify us of lost, stolen or misappropriated Card or Credentials, or request the lifting of a card block.
14.4. We will not be obliged to enter into a...
Liability for unauthorised transactions. 13.1. We are responsible for losses caused by unauthorised transactions unless otherwise specified in this section. A transaction is considered unauthorised if the Cardholder has not consented to the transaction.
13.2. Provided You have not acted fraudulently or with negligence, Your maximum liability for any unauthorized transactions or fees incurred on Your Card before
Liability for unauthorised transactions. 21.1. Subject to Clauses 20, 21.2 and 21.3, we will be responsible for any unauthorised transactions that you tell us about in accordance with Clause 11.1.2 (if we suspect fraud or that you have been grossly negligent, we will investigate the transaction and will only be responsible if/when we have concluded that there has been no fraud and you have not been grossly negligent). Where we are responsible, we will immediately refund the amount of the unauthorised transaction and any resulting interest and charges. We will have no further liability to you.
Liability for unauthorised transactions. The Borrower may not allow any third party to use the Borrower's name, personal ID number, e-ID, or other identifying information to enter into an agreement for the products offered by the Lender. The Borrower may not borrow or otherwise enter into an agreement with the Lender on behalf of any third party or to finance criminal activity. If the Borrower suspects that any third party, by using the Borrower's name, personal ID number, e-ID, or other identifying information, has applied for or entered into an agreement with the Lender, or may apply to enter into an agreement for a product offered by the Lender, the Borrower must immediately notify the Lender. The Borrower must also immediately notify the Lender if anyone else has induced the Borrower by threat, coercion or deception to apply for a product offered by the Lender or to enter into an agreement with the Lender.