1.1. What is Apple Pay?
Apple Pay is a service provided by Apple which enables you to make contactless payments and in-app payments with supported Apple devices using your credit and debit cards, but without having to produce the physical card.
1.3. Do any other terms and conditions apply when I use Apple Pay?
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 credit card issuers whose cards you register with Apple Pay. We are not responsible for any agreements entered into by you with a third party. 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 with 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 www.lloydsbank.com/applepay.
To use an eligible Lloyds Bank 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 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 recommend that from time to time you visit www.apple.com/uk/apple-pay to see if any other limits or restrictions apply to your use of Apple Pay.
2. Charges for using Apple Pay
2.1. Are there any charges for using Apple Pay?
We do not make any additional charges when you use Apple Pay. Any charges, fees and interest which are payable under your current account or credit card terms and conditions are unaffected and will apply in the usual way.
3. Protection and Security
3.1. What must I do to keep my details secure when using Apple Pay?
Your current account or credit card 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 devices, 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 them
• use Apple Pay in accordance with all terms and conditions notified to you which are applicable to 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?
You should tell us as soon as possible by contacting us in the usual way.
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.
4. Responsibilities when using Apple Pay
4.1. What are Lloyds Bank responsible for?
4.2. What are Lloyds Bank 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).
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 Lloyds Bank card to be used in the Apple Pay service and in accordance with our privacy notice which you can see here: www.lloydsbank.com/private-banking/data-privacy-notice.asp. 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, MasterCard and American Express) 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. Changes and ending this Agreement
6.1. Will Apple Pay change?
6.3. How can this agreement be ended?
You may end your use of your card with Apple Pay 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 www.lloydsbank.com/applepay.
We do not promise that Apple Pay will always be available for use with your Lloyds Bank card. Where possible we will give you reasonable notice of any plans to end or suspend this agreement but may not be able to do so if there are security or other urgent reasons.
If this agreement ends, you will remain obliged to comply with any other agreements with us which remain in effect.
6.4. How will you tell me about any changes or if this agreement is ending?
We may notify you of any changes to, suspension or termination of this agreement through any 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, online banking, or post.
7. Other information
All the information we give you and all communications between you and us will be in English.
We may choose not to enforce or rely on one or more of the terms of this agreement at any time, but we reserve the right to start applying them again at any time.
When giving you notice under this agreement we may use any method for which we have your details and permission.
8. Contact us
You may contact us in the ways described at www.lloydsbank.com/private-banking/contact-us.asp. 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 plc is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FCA) under registration number 119278. FCA authorisation can be checked on the Financial Services Register at: www.fca.org.uk/register. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).