Terms & Conditions

Visa's Terms and Conditions

Hellenic Bank Wallet's Terms and Conditions are valid as from October 3rd, 2019.

Definitions 
For the purpose of these Terms, the following words and expressions shall have the meanings as set out below: 
"Bank" means the Hellenic Bank Company Ltd, registered with the Registrar of Companies and Official Receiver (Reg.No.HE 6771), having its registered office at Corner of Limassol and 200 Athalassas Avenues, 2025 Strovolos, P.O. Box 24747, 1394 Nicosia, Cyprus. The definition also includes its successors, assigns and any person acting on its or their behalf. 
"Basic Terms and Conditions" means the basic terms and conditions you have been provided with. These terms and conditions can also be found on the Bank's website at 
https://www.hellenicbank.com/portalserver/hb-en-portal/en/personal-banking/everyday-banking/help-me-with/terms--conditions. 
"Hellenic Bank Wallet" means a digital wallet provided by the Bank in which you may register details of the   Cards and by means of which you are able to securely conduct mobile payment transactions. 
"Hellenic Bank Wallet App" means the mobile device application for smartphones in which the near field communication (NFC) technology has been incorporated and through which you may register your Cards and make use of the Hellenic Bank Wallet. 
"Hellenic Bank Wallet Contactless Transaction" means the Card transaction facilitated by the use of the Hellenic Bank Wallet through your mobile device and the Hellenic Bank Wallet App.  "Hellenic Bank Wallet Terms" means the present terms and conditions under which the Hellenic Bank Wallet shall be used. 
"Card" means any kind of VISA Cards issued by the Bank, excluding ex-Cyprus Cooperative Bank Ltd Debit army, Credit Army, Credit Student, YOLO and WEB cards. 
"Card Terms and Conditions" means the special terms and conditions you have been provided with. 
"Card reader" means a physical Card acceptance device used by a Merchant to take payments by Card, such as a Point of Sale (POS terminal) bearing the mark "contactless" and bearing a relevant "contactless" logo (please see the FAQs available on the Bank's website for more details).
"Merchant" means the person who agrees to accept a Card as payment for goods or services.
"Personal Data" means any information relating to an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
 "Privacy Notice" means the Bank's notice on how personal data is processed with which you have been provided with and which can be found on the Bank's website at
https://www.hellenicbank.com/portalserver/hb-en-portal/en/personal-banking/divider/privacy-notice.

General Provisions
2.1. The Hellenic Bank Wallet App is provided to you by the Bank. These Hellenic Bank Wallet Terms apply to the use of the Hellenic Bank Wallet App. 
2.2. By accepting these Hellenic Bank Wallet Terms, upon registering a Card in your Hellenic Bank Wallet, you agree to be bound by these Hellenic Bank Wallet Terms. You should read the Hellenic Bank Wallet Terms carefully together with our (i) Card Terms and Conditions, (ii) Basic Terms and Conditions and (iii) our Privacy Statement. 
2.3. These Hellenic Bank Wallet Terms are Special Terms which complement the Basic Terms and Conditions and the Card Terms and Conditions and constitute an integral part thereof. Together they govern the rights and obligations of the Bank and the Cardholder in respect of the Hellenic Bank Wallet App. Terms and expressions defined in the Basic Terms and Conditions and Card Terms and Conditions have the same respective meanings when used in these Hellenic Bank Wallet Terms, unless otherwise defined in these Hellenic Bank Wallet Terms. In the event of any inconsistencies between these Hellenic Bank Wallet Terms and the Card Terms and Conditions, these Hellenic Bank Wallet Terms will prevail as regards the use of Hellenic Bank Wallet and the Hellenic Bank Wallet App.
2.4 The Bank has the right to amend these Hellenic Bank Wallet Terms at any time and shall notify you of any such amendment, 2 months prior to the amended Hellenic Bank Wallet Terms coming into force, by posting such amendment on the Bank's website  and/or by sending a relevant written letter/communication and/or by Bank Mail and/or in any other way which the Bank considers appropriate each time and such communication by the Bank for amendment of the Hellenic Bank Wallet Terms shall be deemed to be considered as an effective way of communication of the relevant amendment to you. Every proposal of the Bank to amend the Hellenic Bank Wallet Terms shall be deemed accepted by you if you fail to notify your non-acceptance before the proposed effective date of the amended Hellenic Bank Wallet Terms. In case of non-acceptance, you are entitled to terminate the Hellenic Bank Wallet in force with the Bank immediately and in any event prior to the proposed effective date of the amended Hellenic Bank Wallet Terms, as provided in clause 10. 

Licence
3.1. The Bank grants you a strictly personal, non-exclusive and non-transferable licence (the "Licence") to install the Hellenic Bank Wallet App, including future updates, on your mobile device and use it, with the following obligations and/or restrictions:
a) No property rights or intellectual rights are transferred to you. The Licence exclusively gives you the right to install the Hellenic Bank Wallet App on your mobile device and use it in accordance with the purposes stated in these Hellenic Bank Wallet Terms or as otherwise indicated by the Bank; 
b) The Bank reserves all rights to the Hellenic Bank Wallet App, including property rights, copyrights and intellectual property rights;
c) The trade names, marks and logos (or symbols comparable with these) of the Bank displayed on or in the Hellenic Bank Wallet App are the property of the Bank. You may not use any of these trade names, marks or logos without advance written permission from the Bank;
d) You may not alter, copy, distribute, transfer, display, publish, sell or grant a licence to the Hellenic Bank Wallet App or any information or software connected with the Hellenic Bank Wallet App; 
e) It is recommended that you always use the latest version of the Hellenic Bank Wallet App. Depending on what the update is, you may not be able to use the Hellenic Bank Wallet App until you have installed the latest version.
f) You must ensure that your mobile device's operating system is up to date.

How to register 
4.1. In order to use the Hellenic Bank Wallet, you are required to register your Card/s through a customer authentication procedure, by requesting a One-Time Password that will be sent by SMS to your registered mobile device number, in order to complete the verification, registration and activation of any Card in the Hellenic Bank Wallet. Your mobile device must be connected to the internet. You can alternatively, activate your Cards through Customer Contact Centre at 8000 9999 (+357 22 500 500 from abroad, without charge).
4.2. After your registration in the Hellenic Bank Wallet App, and upon selection of the activation of the Hellenic Bank Wallet, you must follow the indicated steps which appear on the screen of your device. 
4.3. In case the secure lock mechanism (PIN, Pattern, Password) of the smartphone is removed, then all Cards in the Hellenic Bank wallet will be wiped out at the time of the next payment. The current payment will be declined automatically.
4.4. In case the user removed hers/his biometric/fingerprint data, all hers/his Cards that were enrolled in the Mobile Wallet app will be wiped out.
In order for you to be able to conduct again Hellenic Bank Wallet Contactless Transactions, you will need to register your Cards to your Hellenic Bank Wallet again as described in clause 4.1. above.

Security
5.1.  You shall:
a)    use all reasonable efforts to protect the confidentiality of your Mobile Phone authentication method; 
b)    take all security measures to ensure that your mobile is only authenticated by you and only by you.
c)    read all information updates that are notified to you by the Bank from time to time. You shall, in particular, ensure to remain constantly informed of the recommendations and instructions provided on the Bank's website and comply with them with diligence. Such instructions and recommendations concern the updating of the parameters related to the Hellenic Bank Wallet and the security of the Hellenic Bank Wallet Contactless Transactions, including but not limited to the indicated actions for the automatic, by going online to the internet, renewal and updating of the necessary "keys", which are required for the conduct of each Hellenic Bank Wallet Contactless Transaction through the connection of the mobile device. 
d)    make sure you view the transaction amount on the POS before authorizing a transaction
5.2. You acknowledge that the poor and/or incomplete implementation of and compliance with this clause may lead to a breach of your personal data, as well as to transactions carried out by non-authorized parties. 
5.3. You must immediately notify the Bank by telephone Customer Contact Centre at 8000 9999 (+357 22 500 500 from abroad, without charge), in the following cases:
a)    any unauthorized use of your Hellenic Bank Wallet;
b)    any suspicion of fraudulent activity or data disclosure related to the Hellenic Bank Wallet itself; 
c)    any other actual or potential security breach relating to your Hellenic Bank Wallet; 
d)    the loss or theft of your mobile phone; 

Eligibility for subscription to the Hellenic Bank Wallet 
6.1. You may only register to your Hellenic Bank Wallet the Cards that have been issued in your name and you may not allow a third party to register your Card to the third party's Hellenic Bank Wallet.
6.2. You may not register payment cards or other payment instruments other than Cards to your Hellenic Bank Wallet. 
6.3. Use of the Hellenic Bank Wallet through the mobile application for conducting Hellenic Bank Wallet Contactless Transactions with the use of mobile phones. 
6.4. You may conduct Hellenic Bank Wallet Contactless Transactions at Merchants who hold a Card reader with a contactless (NFC) capability through the Hellenic Bank Wallet App. 
Hellenic Bank Wallet Contactless Transactions at the Merchants that participate in the Points4U card loyalty scheme, will earn points as per the terms & conditions of the scheme which can be found on the website of the scheme.
6.5. The Hellenic Bank Wallet requires the use of Android smartphones in which the NFC (Near Field Communication) technology has been incorporated. 

Making Payments
7.1. In order for the Hellenic Bank Wallet Contactless Transaction to be executed, you must unlock your mobile device, and place it for few seconds at a small distance from the special sensor of the POS terminal of the Merchant, which bears the mark "contactless"
7.2. Each Hellenic Bank Wallet Contactless Transaction is completed upon connection of the POS terminal to the Bank's electronic systems, in order to check the digitized card status ("token" status) on VISA side and available balance of the Card account in real time and approve the equal charge thereof through the respective indication on the Card reader (accept/deny). Subsequently, the relevant receipt, equivalent to the amount of the transaction which took place, is issued from the POS terminal, and delivered to you. All the approved Hellenic Bank Wallet Contactless Transactions shall appear on the Card's activities in the Hellenic Bank Wallet.
7.3. In case you require a refund or in case a dispute relating to a Hellenic Bank Wallet Contactless Transaction arises, you must follow the rules and/or directions as set out by the Cards Terms and Conditions. 
7.4. Apart from the above, you may not conduct any other transactions through the Hellenic Bank Wallet, such as cash withdrawal from ATMs or branches and/or internet or telephone transactions.
7.5. Analytical information and instructions for the operation and use of the Hellenic Bank Wallet are provided in the Hellenic Bank Wallet App.

Charges 
8.1. The Bank applies no charges for the provision of the Hellenic Bank Wallet or the Hellenic Bank Wallet App. The Bank reserves the right to charge for the provision of Hellenic Bank Wallet App or Hellenic Bank Wallet at any time in the future, by providing notification of the charge in accordance with clause 2.4. Every proposal of the Bank to charge for the provisions of Hellenic Bank Wallet App shall be deemed accepted by you if you fail to notify your non-acceptance before the proposed effective date of the charging. In case of non-acceptance, you are entitled to terminate the Hellenic Bank Wallet in force with the Bank immediately and in any event prior to the proposed effective date of the charging, as provided in clause 10.

Data Protection
9.1. You have been provided with the Privacy Notice which describes the manner in which the Bank will process the Personal Data in relation to the processing by the Bank of your Personal Data under applicable law. 
9.2. You are hereby informed that your Card number, your Cards' expiry date and CVV2 will be transmitted to JCC Payment Systems Ltd, Gemalto (a Thales Company) and VISA for the purposes of completing your Card registration to the Hellenic Bank Wallet.

Termination and Suspension 
10.1. You may terminate the Hellenic Bank Wallet at any time by removing the registered Cards from the Hellenic Bank Wallet or by deleting the Hellenic Bank Wallet App in which case is provided that all the Cards will be automatically unregistered.
10.2. The Bank may immediately suspend or terminate your Hellenic Bank Wallet digitized cards ("tokens") at any time and without prior notice, when it is justified by the following reasons: 
e)    you have deleted all your Cards from your Hellenic Bank Wallet;
f)    for safety reasons, if you are suspected of carrying out fraudulent transactions through the Hellenic Bank Wallet or/and illegal use of the Hellenic Bank Wallet;
g)    upon suspicion of money laundering and terrorist financing;
h)    due to a reasonable request of the Card issuer; or 
i)    when you breach any of these Hellenic Bank Wallet Terms;
10.3. The Bank may at any time and at its absolute discretion, discontinue or terminate the provision of the Hellenic Bank Wallet App and/or the Hellenic Bank Wallet, by providing you 2 months prior written notice as provided in clause 2.4. above. 

Liability
11.1. You are yourself liable for any damage to your mobile device and linked accessory or any loss of data arising from downloading or using the Hellenic Bank Wallet App, which is not due to the Bank's fault or gross negligence. 
11.2. The Bank is not liable for any losses or costs or damage caused by abnormal and/or unforeseeable events which are outside of the Bank's control, which might for example include a machine failing to work or industrial disputes, or resulting from the use of software on your mobile device which has not been officially approved by the manufacturer of the operating system of your mobile device.
11.3. The Hellenic Bank Wallet App is provided without any guarantee or assurance of any nature whatsoever in relation to the functionality of the Hellenic Bank Wallet App and the accuracy of the information shown therein. To the fullest extent legally permitted, the Bank is not liable for damage resulting from shortcomings or defects which affect the Hellenic Bank Wallet App or linked accessory, except if such damage has been caused by deliberate recklessness, fraudulent misrepresentation, fault or gross negligence on the part of the Bank.
11.4. Subject to clause 11.3, despite the Bank having taken all necessary security measures, the Bank cannot be held liable for any losses and/or costs and/or damage that may occur to your computer system, device hardware or software or loss of data that results from the use of the Hellenic Bank Wallet. 
11.5. The Bank does not guarantee that the Hellenic Bank Wallet will always be available, uninterrupted and in full operating condition. Access to the Hellenic Bank Wallet may be suspended temporarily and without any prior notice in case of system failure, maintenance or repair or for any reasons beyond the Bank's control. Subject to clause 11.3, the Bank shall not be held liable for any suspension, discontinuance, termination, change or modification of your use or access to the Hellenic Bank Wallet.
11.7. Subject to clause 11.3 but without prejudice to any other limitations of liability as contained in these Hellenic Bank Wallet Terms, the Bank is not liable for any indirect damage and/or loss.
11.8. You shall bear all fees, charges, or expenses which may imposed by mobile phone and/or telecommunications service providers for, or in relation to, the installation and/or use of the Hellenic Bank Wallet App. 

Waiver
12.1. The Bank's failure to exercise or enforce any right or provision of these Hellenic Bank Wallet Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Hellenic Bank Wallet Terms will be effective only if in writing and signed by the Bank.

Severability
13.1. If any provision of these Hellenic Bank Wallet Terms is held to be unlawful, void, invalid or otherwise unenforceable, this shall not affect the validity of any other provision of these Hellenic Bank Wallet Terms. In case one or more provisions of these Hellenic Bank Wallet Terms are invalid or become invalid as a result of any changing legislation, the validity of the remaining provisions shall not be affected thereby.

Cypriot Law
14.1. These Hellenic Bank Wallet Terms and any amendments thereto shall be governed by Cypriot Law.
14.2. Any Disputes arising from these Hellenic Bank Wallet Terms or in connection with these Hellenic Bank Wallet Terms that cannot be resolved by means of the internal complaints handling procedure referred to in Basic Terms and Conditions, will be settled by the competent court in Cyprus.