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IMPORTANT INFORMATION FROM AMERICAN EXPRESS

We have summarised some important things you need to know about using Apple Pay with an American Express card before you proceed:

Using Apple Pay with an American Express card

The following Terms and Conditions govern your use of your American Express Card in the Apple Pay application (“Apple Pay”) available on supported devices offered by Apple. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACTIVATING OR USING YOUR AMERICAN EXPRESS CARD WITH APPLE PAY, BECAUSE BY DOING SO, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT WANT TO AGREE TO THESE TERMS AND CONDITIONS, YOU MUST NOT ACTIVATE OR USE YOUR AMERICAN EXPRESS CARD WITH APPLE PAY.


1. You may use Apple Pay with an American Express card if you hold a basic or supplementary American Express Consumer Card issued by American Express International, Inc. ("American Express") in Hong Kong (“Eligible Cards”) (“Eligible Cardmembers”). Use of Apple Pay is not available to holders of American Express Corporate Card, American Express Gold Corporate Card, American Express Cathay Pacific Corporate Card, American Express Cathay Pacific Elite Corporate Card, American Express Corporate Meeting Card, American Express Corporate Purchasing Card, American Express Business Travel Account and all American Express Cards issued outside of Hong Kong. If you have a valid American Express Card issued by a licensed third-party financial institution, please check with your issuer if you are eligible to participate by calling the number on the back of your Card.

2. Apple Pay allows You to make contactless payments using Eligible Cards with a compatible Apple device (such as an iPhone or Apple Watch) at merchants who accept such contactless payments in lieu of presenting a physical Eligible Card and in-app purchases on Your Apple device in supported applications. The applicable Card Member Agreement continues to govern your use of an Eligible Card in Apple Pay.


Security

3. Any person with your device passcode, Touch ID or other authentication mechanism enabled by Apple registered to your device will be able to authorise transactions using your card in Apple Pay. Do not let anyone else, including family members, have their Touch ID or other authentication mechanism enabled by Apple registered to your device while your card is registered in Apple Pay. You must keep your device safe and secure at all times, and your device passcode secret.

4. You are solely responsible for maintaining the confidentiality of your Apple User ID, Apple passwords and any other means that you may from time to time have to access Apple Pay.

5. Each Card being approved in Apple Pay will be assigned a unique Device Account Number. This number will be used to identify your Card in transactions made using Apple Pay and the partial number may be shown in transaction records in lieu of your Card number.

If your device is lost or stolen

6. Call us immediately using the number on the back of your card if you believe that your Apple device has been lost, stolen or your credentials compromised in any way. We can suspend or remove your card from Apple Pay to prevent further unauthorised use.


Using Your Information

7. We will use your information in accordance with the Notice to Customers relating to the Personal Data (Privacy) Ordinance and the American Express Online Privacy Statement . This may include using your information to determine your eligibility to participate in Apple Pay, to present you with servicing updates, as well as targeted offers, advertising or promotions if you have consented to receive such messages.

8. We will also make certain account information relating to each Eligible Card within Apple Pay for display, including most recent transaction data, but not the full card number of the Eligible Card. You may decline to have the transaction data made available for display and still use Apple Pay, but you must turn off this feature manually with Apple through Apple Pay.

9. As soon as you register your Eligible Card, Apple may access and process your information, including information about your transactions. Apple’s use of your personal information is solely governed by Apple’s privacy policy.

Using Apple technology

10. In order to use Apple Pay, you must agree to Apple’s terms of use and privacy policy. American Express has no control over Apple’s decisions to change Apple Pay or any of its services or products (including Apple’s terms of use or privacy policies).


Other important terms

11. American Express shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) as a result of your use of Apple Pay, except for any liability which cannot be excluded by law.

12. American Express reserves the right to discontinue supporting the use of American Express cards in Apple Pay or change these terms and conditions at any time without prior notice. Except as otherwise required by applicable law, we may block, restrict, suspend or terminate your use of any Eligible Card(s) at any time without notice and for any reason, including if you violate these Terms and Conditions or any of your Card Member Agreements, if we suspect fraudulent activity or as a result of the cancellation or suspension of your Eligible Card account. You agree that we will not be liable to you or any third party for any block, suspension, cancellations or termination of your use of any Eligible Card(s).

13. We reserve the right to revise these Terms and Conditions at any time and you are deemed to be aware of and bound by any changes to these Terms and Conditions by your continued access to or use of your Eligible Cards in Apple Pay. If you do not accept any revisions made to these Terms and Conditions, your sole and exclusive remedy is to cancel your use of and delete all Eligible Card(s) in Apple Pay.

14. In the event of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

美國運通重要資料

在您選擇以美國運通卡使用Apple Pay服務前,本行謹此概括一些您需要知道的重要事情:

以美國運通卡使用Apple Pay服務

您通過Apple於支援裝置所提供的Apple Pay 應用程式(「Apple Pay」)使用您的美國運通卡時,須受下列條款及細則所限。您於Apple Pay啟動或使用美國運通卡前,請細閱本條款及細則,因為服務一經啟動或使用,即表示您接受並同意受本條款及細則所約束。您如果不同意本條款及細則,則不應於Apple Pay啟動或使用美國運通卡。

1. 您若持有美國運通國際股份有限公司(「美國運通」)在香港發出的基本卡或附屬卡(「合資格運通卡」)(「合資格卡會員」),便可以美國運通卡享用Apple Pay服務。美國運通公司卡、 美國運通公司金卡、美國運通國泰航空公司卡、美國運通國泰航空尊尚公司卡、美國運通會議卡、美國運通採購卡、美國運通商務差旅賬戶及所有在香港以外地區發出的美國運通卡的持有人,均未能享用Apple Pay服務。您所持有效的美國運通卡若由第三方持牌金融機構發出,請您按卡背所示的電話號碼聯絡您的發卡機構,以查核您是否合資格參與Apple Pay。

2. Apple Pay讓您可於接受非接觸式付款方法的商戶,以兼容的Apple裝置(如iPhone或Apple Watch等),使用合資格的運通卡進行非接觸式付款,代替出示合資格運通卡及以您的Apple裝置內的支援應用程式進行app內付款。在您使用合資格運通卡以Apple Pay 付款時,仍繼續受適用的會員協議所限。


保安

3.  任何人若擁有您的裝置密碼Touch ID或其他Apple授權的驗證方法記錄在您的裝置內,便能授權於Apple Pay使用您的運通卡進行交易。如您的運通卡已登記使用Apple Pay服務,切勿讓任何人(包括家庭成員)在您的裝置內登記其Touch ID或其他Apple授權的驗證方法。您必須時刻確保您的裝置安全,並將自己的裝 置密碼保密。

4. 您須對自己的Apple User ID、Apple密碼和不時需要接達Apple Pay 的其他方式維持保密負上全責。

5. 每張於Apple Pay獲得批准的運通卡均獲分配一個獨一無二的裝置賬號,用以在使用Apple Pay進行交易時識別您的運通卡。交易記錄可能顯示部份的裝置賬號,取代顯示您的運通卡卡號。

如您的裝置遺失或被盜竊

6. 您若相信已經遺失您的Apple裝置,或Apple裝置已經被盜竊,或您的認證資料在任何方面被破壞,請立即致電運通卡背面的電話號碼與本行聯絡。本行可於Apple Pay暫停或刪除您的運通卡,免被他人盜用。


使用您的資料

7. 本行會按照 致客戶有關個人資料(私隱)條例的通知書 及 美國運通網絡私隱權聲明書 的規定使用您的資料,包括使用您的資料來確定您是否合資格參與使用Apple Pay,以及在您已經同意收取推廣訊息的情況下,使用您的資料,向您提供服務的最新資訊、尊享優惠、廣告宣傳或推廣。

8. 本行亦會將若干於Apple Pay使用的各合資格運通卡的賬戶資料(如最新的交易資料等)顯示出來,但不會顯示合資格運通卡的完整卡號。您可拒絕本行顯示交易資料而仍可使用Apple Pay服務,但您必須通過Apple 裝置內的Apple Pay手動關閉這項顯示功能。

9. 您一經登記您的合資格運通卡,Apple可隨即接達並處理您的資料,包括與您交易有關的資料。Apple使用您的個人資料時,只受Apple的私隱政策所限。

使用Apple 技術

10. 您若希望使用Apple Pay服務,則必須同意Apple的使用條款及私隱政策。美國運通無權控制Apple更改Apple Pay或其任何服務或產品(包括Apple的使用條款或私隱政策)的決定。


其他主要條款

11. 美國運通不須對您使用Apple Pay 而蒙受的任何損失或損害(包括但不限於間接或相應而生的損失)而承擔任何法律責任,但法律規定不能豁免的法律責任除外。

12. 美國運通保留權利可隨時停止支援在Apple Pay使用美國運通卡,亦可隨時更改本條款及細則,而不須事前通知。除適用法律另行規定外,本行可隨時在不通知的情況下,基於任何理由(包括您違反本條款及細則或您任何的會員協議,或本行所懷疑有欺詐活動,或因取消或暫停您的合資格運通卡賬戶等原因),而封鎖、限制、暫停或終止您使用任何合資格運通卡。您同意本行不須就您被封鎖、暫停、取消或終止使用任何合資格信用卡,而向您或任何第三方承擔任何責任。

13. 本行保留權利可隨時修改本條款及細則。您若繼續於Apple Pay啟動或使用您的合資格運通卡,會被視為已經知道本條款及細則的任何更改,並視為同意受其約束。您若不接受本條款及細則的任何修改,唯一兼獨有的補救方法就是取消使用Apple Pay,並於Apple Pay刪除所有合資格的運通卡。

14. 如本條款及細則的英文和中文本之間如有任何差異,一概以英文版本為準。

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