YOUR CARD

1. These Card User Conditions explain:
   1. how you (the card user) can use your card or payment details (we just refer to both as your ‘card’); and
   2. the steps you must take to keep your card and information safe.
2. Please read these carefully and keep a copy for your records.
3. If you have any questions about the card, you can contact Apron.
4. Your card is provided to you in accordance with, and subject to the terms of, an issuing agreement (the “Issuing Agreement”) that we have entered with the entity that has provided you with your card; Apron.
5. “We” or “us” in these Card User Conditions, means Checkout.com, which operates in the United Kingdom through Checkout Ltd, an authorised e-money institution (with identification number 08037323) subject to the supervision of the Financial Conduct Authority and with registered address at Wenlock Works, Shepherdess Walk, London, N1 7BQ.

SIGNING AND ACTIVATING A CARD

1. If you have been issued a plastic card, you must:
   1. sign the card as soon as you receive it (if it contains a signature panel); and
   2. activate the card to be able to use it. We’ll let you know how to activate it when you receive the card.
2. A virtual card can be used immediately upon receipt and does not need to be activated.

HOW YOU CAN USE YOUR CARD

1. In addition to these Card User Conditions, your use of the Card is subject to the terms of the Issuing Agreement and by requesting a card you acknowledge and agree to the application of the Issuing Agreement.
2. You must only use your card for business purposes.
3. You can use your card to purchase goods and services at any retailer displaying the Mastercard acceptance symbol.
4. You can use your card up to the unspent amount on your account. If there are insufficient funds available in the account to cover the total amount of the transaction, it will be refused.
5. If you make a payment in a currency different to the currency of your account, we’ll convert the payment from the account currency to the other currency. We’ll use the exchange rate set by the card scheme that applies at the time (Mastercard’s exchange rate). Details of the exchange rate used for the currency conversion can be found on the card scheme (Mastercard)’s website.
6. We are not responsible for anything a retailer does or does not do when you use the card or for the goods or services you pay for using the card.

RETAILER REFUND, CHARGEBACK REQUESTS, AND CHARGING ERRORS

1. If a retailer refunds a purchase made with the card, the refund will be added to your account balance.
2. If an amount is taken from your account in error, it will be refunded to your account balance.
3. You may submit a chargeback request if you have first requested a refund from the retailer, and the retailer has refused to do so, and you provide any requested documentation to us in line with the time frames stipulated by the card scheme (Mastercard) in respect of the chargeback request.

SECURITY

Here are some of the simple steps you must take to help keep your card and information secure.

1. General

   You must:
   1. follow instructions we give you, which we consider are necessary to protect the account from unauthorised access;
   2. not let anyone else give instructions or access information on or relating to the account or your card;
   3. check any statements that you have access to as soon as you get them, and call us immediately if anything looks suspicious;
   4. not let anyone else use any card, device or security details;
   5. not write your security details on, or keep them with, your device or banking documents or write down your security details in a recognisable way;
   6. keep any contact details that we have of yours up to date by telling Apron about any changes; and
   7. do all you reasonably can to prevent anyone else finding out your security details.

2. Card and card PINs

   You must also:
   1. use reasonable precautions to prevent fraudulent use of any card or card PIN;
   2. safely destroy any card PIN we send you immediately after receipt;
   3. sign your card as soon as you receive it (if it bears a signature strip);
   4. not tell anyone your card PIN or card security codes;
   5. use appropriate fraud prevention systems (such as Mastercard Securecode) when using cards to make payments through the internet;
   6. not tamper with the card; and
   7. not choose obvious passwords or codes as part of your security details.

PROBLEMS WITH YOUR CARD OR THE ACCOUNT

It is important that you contact Apron without delay if you have any problems with your card or the account, including if the card is lost or stolen, or you suspect fraudulent use.

WHEN WE CAN STOP YOU MAKING PAYMENTS

1. We can stop you making payments using your card if necessary for security reasons or where there has been suspected unauthorised or fraudulent use of your card or your security details.
2. If we do this, we will act reasonably and will try to reduce your inconvenience.
3. If we stop a card or other device, you must not use it.

WHEN WE CAN REFUSE TO ACT ON AN INSTRUCTION

1. In some situations, we will refuse to make a payment. For example, if:
   1. there isn’t enough money in the account to make the payment;
   2. it’s clear that the payment is not being made for business purposes; or
   3. there is a regulatory requirement that means we have to.
2. Where we can, we will contact Apron to let them know why we are refusing, or are unable, to act. You can contact them for more information.
3. When using a card to make a payment, the retailer will tell you if the payment has been refused.

If you want to check whether a transaction has been accepted, you can contact Apron.

YOUR PRIVACY

Checkout.com’s Privacy Policy, as published at the following website address: https://www.checkout.com/legal/privacy-policy, sets out how Checkout.com uses your information as well as your rights to your information and when we might need to share it with others. By using the card, you acknowledge you have read and understood our Privacy Policy.