PART A: Your accounts

1. Operation of accounts

(a) You can start using your account(s) once we have opened them for you in the Mox app.

(b) There is no minimum or maximum balance for any (or all) of your accounts. But, you will only earn interest on balances across your Hong Kong dollar accounts up to a certain amount, which we’ll display on the Mox app and our website (“Amount”). That is, once the total balance of all your Hong Kong dollar accounts is above the Amount, no interest will be earned on the portion of the total balance which is above the Amount. How interest will be paid where the total balance of all your Hong Kong dollar accounts is above the Amount will also be displayed on the Mox app and our website.

(c) We may introduce, specify or vary any conditions in relation to the use or features of an account, including:

• (i) introduce, specify or vary the means by which funds may be deposited into an account, or payments withdrawn or made from an account;
• (ii) specify, vary or withdraw any currencies accepted in respect of any account; and/or
• (iii) accept or reject any Instruction made by you to deposit funds into an account or withdraw or make payment from an account.

(d) Each deposit into an account is subject to final payment or clearing, which means that the relevant proceeds may not be available for use until receipt or clearing of full and final payment.

(e) We may take any money out of an account that was wrongly put into that account.

(f) Any deposits in your accounts with a current term equal to or less than 5 years are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong established under the Deposit Protection Scheme Ordinance (Cap. 581 of the Laws of Hong Kong), up to a total limit of HK$500,000 per depositor (regardless of the number or amount of deposits).

2. Mox Account

(a) You will have a main account (“Mox Account”), which:

• (i) will be opened in your name once we let you know that you have successfully completed Mox’s onboarding process;
• (ii) has an account number;
• (iii) can be used for saving or everyday purchases, payments and transfers in Hong Kong dollars; and
• (iv) has a HK$0 monthly fee.

(b) Cheque services are not available.

(c) You need to keep track of how much money is in your Mox Account and only spend what you have.

(d) If you try to use your Mox Card to take out more money than you have in your Mox Account, your transaction will usually be declined.

(e) However, in some circumstances, you may be able to take out more money than you have in your Mox Account. If this happens, you owe us that money and you need to immediately put money into your Mox Account so that it has at least a HK$0 balance. If you don’t do this, we may take money out of one of your other accounts and put it in your Mox Account.

(f) You are responsible for paying us the overdrawn amount even if your Mox Account is closed.

(g) We may also charge you a fee and interest while your Mox Account remains overdrawn. You can see details on these fees in the Mox app.

3. Goal accounts

(a) In addition to your Mox Account, you may also open sub-accounts (“Goal accounts”) on the Mox app. This way, you can keep money separate from your Mox Account.

(b) Your Goal accounts cannot be overdrawn.

(c) Your Goal accounts will not be allocated an account number.

4. Earning interest on your accounts

(a) Your Mox Account and any Goal accounts will earn interest.

(b) We calculate interest on these account balances at the end of each day.

(c) We will pay any interest that you earn on your account balances into your respective account daily, or as we may otherwise tell you. Interest will only be paid up to two decimal places (truncated).

(d) No interest will accrue before the proceeds of any deposit are actually settled and credited to your Mox Account or any one of your Goal accounts. So, interest will only be earned when there is money in your Mox Account or any of your Goal accounts. Once any money leaves your Mox Account or any of your Goal accounts, that money will not earn any interest. Even if a transaction is disputed and the disputed amount is then returned to your account, that disputed amount won’t earn interest unless and until it is settled and credited back to your account.

(e) Interest rates may change from time to time – our current interest rates and information on how we calculate them is available on the Mox app and on our website.

(f) If your Mox Account or one of your Goal accounts is closed during an interest period, interest will be paid up to but excluding the calendar day on which the account is closed.

PART B: Your Mox Card

5. Your Mox Card

(a) When you open a Mox Account with us:

• (i) you will have access to a digital Mox Card (on the Mox app) straight away; and
• (ii) we will send you a physical Mox Card.

(b) For the purposes of these terms, your “Mox Card” includes your:

• (i) physical Mox Card;
• (ii) digital Mox Card on the Mox app; and
• (iii) Mox Card you have added to a digital wallet.

(c) Your Mox Card will remain the property of Mox and is non-transferable.

(d) Your Mox Card details (including, your Mox Card number, CVV and expiry date) will not be shown on your Mox Card. They will be shown to you on the Mox app. Six months before your Mox Card expires, we will tell you about receiving a replacement card.

5.1. Your physical Mox Card

(a) Before you can use your physical Mox Card, you need to activate it and choose a 6-digit PIN using the Mox app. You may use the Mox app to change the PIN for your Mox Card at any time.

(b) Your physical Mox Card must be destroyed if and when:

• (i) your Mox Account is closed;
• (ii) these terms are terminated; or
• (iii) your Mox Card expires, is cancelled or we issue a new Mox Card to you.

5.2. Adding your Mox Card to a digital wallet

(a) You can choose to add your Mox Card to a digital wallet and make purchases using the digital wallet instead of directly using your Mox Card. In doing so, you agree to the digital wallet terms and conditions set out in Part D, and any separate terms and conditions provided by the digital wallet provider.

5.3. Using your Mox Card

(a) Even if you have not received your physical Mox Card, after we open your Mox Account you can:

• (i) use your digital Mox Card on the Mox app for online transactions; and
• (ii) add your digital Mox Card to a digital wallet and use it for transactions at a point of sale (where available).

When you receive your physical Mox Card from us, you can also use it to take cash out at an available ATM or point of sale (where available).

(b) You can use your Mox Card anywhere that Mastercard is accepted.

(c) When you use your Mox Card, you’re telling us to take money out of your Mox Account.

(d) Our right to debit your Mox Account or any of your Goal accounts is not affected by disputes between you and third parties.

(e) We may impose limits on Mox Card transactions or cash withdrawals, either per transaction or in a given timeframe. You can see details on these limits in the Mox app. See also clause 5.5 below on how you may set your own personal limits on the use of your Mox Card.

(f) You must not (or allow anyone else to) use your Mox Card:

• (i) for purchase of goods or services which impose operational, reputation or compliance risks on Mox;
• (ii) for any unlawful activity (including a purchase of goods or services that is illegal or prohibited by the laws of Hong Kong or by the laws of the country where the purchase is made);
• (iii) to pay debts incurred in connection with online gambling, wagering or betting activities conducted via the internet; or
• (iv) in any manner in breach of Mox’s obligations to the Hong Kong Monetary Authority.

You must tell us immediately if you become aware or suspect that your Mox Card has (or may have) been used in any of those ways.

(g) We are not liable for:

• (i) the refusal of any merchant, financial institution or other person to accept your Mox Card; or
• (ii) any defect or deficiency in goods or services supplied to you by any merchant, financial institution or other person. You must resolve any complaint against any merchant, financial institution or other person yourself and no claim against any of them may be made against or set off against us.

(h) You may ask us to replace or renew your Mox Card, for example, if your existing Mox Card has been damaged, lost or stolen.

(i) We may cancel or refuse to re-issue, renew or replace your Mox Card without giving you any notice or reason.

(j) Any transaction you make using your Mox Card can be disputed using our in-app feature. Disputes will be handled by our disputes team, who may require you to provide further information. You may be charged a fee if your dispute is not substantiated.

5.4. Using your Mox Card overseas

(a) If you use your Mox Card overseas to make purchases at a point of sale (where available), or to buy goods or services in a foreign currency, at the time of the transaction:

• (i) the foreign currency transaction amount will be converted into Hong Kong dollars at the foreign exchange rate provided by Mastercard;
• (ii) we’ll take the Hong Kong dollar amount out of your Mox Account; and
• (iii) a foreign exchange mark-up will also be added by Mastercard and Mox and we’ll take this mark-up out of your Mox Account. See the Mox app for details on how this mark-up is calculated.

Some online transactions that are displayed in Hong Kong dollars are processed overseas and may incur the foreign exchange mark-up. If you’re unsure, check with the particular retailer first.

(b) If you have activated the overseas ATM withdrawal service function on the Mox app and you use your physical Mox Card overseas to take cash out at an available ATM:

• (i) (for withdrawals at a Jetco ATM outside Hong Kong):
• (A) the foreign currency transaction amount will be converted into Hong Kong dollars at the foreign exchange rate provided by Jetco;
• (B) we’ll take the Hong Kong dollar amount out of your Mox Account, along with any fees we may impose; and
• (ii) (for withdrawals at a Mastercard ATM outside Hong Kong):
• (A) the foreign currency transaction amount will be converted into Hong Kong dollars at the foreign exchange rate provided by Mastercard;
• (B) we’ll take the Hong Kong dollar amount out of your Mox Account, along with any fees we may impose; and
• (C) a foreign exchange mark-up will also be added by Mastercard and Mox and we’ll take this mark-up out of your Mox Account. See the Mox app for details on how this mark-up is calculated.

Please also be aware that some overseas cash withdrawals using your physical Mox Card may be subject to fees and charges imposed by overseas local banks providing the ATM service, which will apply in addition to any fees we may charge.

5.5. Locking your card and spending limits

On the Mox app you can:

• (a) lock your Mox Card at any time – this will decline any attempted payments with your Mox Card;
• (b) unlock your Mox Card – this will allow payments to be made with your Mox Card; and
• (c) set and change your own personal limits for spending on or making cash withdrawals using your Mox Card. You may also change your overseas ATM withdrawal limit via a Jetco ATM in Hong Kong before you travel.

6. Cashback on your Mox Card

6.1. General

• (a) From time to time, we will pay cash back to you on certain payments made through your Mox Card. We call these payments “cashback”.

• (b) Your entitlement to cashback is governed by this clause 6 and any further terms specified on our website.

• (c) If any cashback (such as Super CashBack, as defined below) is governed by further terms, the further terms prevail over this clause 6 to the extent of any inconsistency between them.

• (d) We have the right to vary these terms from time to time by notice.

• (e) The following terms apply to all types of cashback that we may offer from time to time:

  (i) Ineligible transactions

• (A) Cashback is not payable on every payment made through your Mox Card. Cashback will not be paid on any:

• (1) Interest earned on your Mox Account or Goal account(s); or

• (2) Ineligible transactions which are transactions made through your Mox Card which fall within certain merchant codes designated by us (in our sole discretion) or by Mastercard (in their discretion) from time to time.

• (B) A list of merchant codes is maintained by Mastercard and may change from time to time.

• (C) We do not control how Mastercard determines whether a merchant or transaction type falls within a particular merchant code. As a result, we cannot control whether a transaction will be eligible or ineligible for cashback.

• (D) The following types of transactions are likely to constitute ineligible transactions and not eligible for cashback:

• (1) gambling or betting transactions, including government licensed horse / dog racing;

• (2) cash withdrawals, including those from a bank or ATM;

• (3) cash advances or balance transfers;

• (4) payments through digital wallets or digital wallet top-ups;

• (5) payments in relation to crypto-currencies;

• (6) sending or transferring cash using your Mox Card or Mox Account (whether by a digital means or otherwise);

• (7) payments to financial institutions, including brokers and dealers;

• (8) bill payments, tax payments or insurance payments;

• (9) purchases of foreign currencies, money orders or traveler’s cheques;

• (10) payments of financial charges or fees.

• (E) The list of ineligible transactions may change from time to time and so it is possible that a transaction on which you previously earned cashback may subsequently become ineligible for cashback. You may also receive cashback on a transaction that was previously ineligible. We have no obligation to clarify which transactions are ineligible for cashback before you conduct a transaction, and are not liable to you for any change of ineligible transactions.

• (F) We will determine the eligibility of cashback based on transaction records held by us. In case of any discrepancy, our records will be final and conclusive.

• (ii) All cashback payments will be made in Hong Kong dollars.

• (iii) Cashback will be calculated so that amounts less than HK$0.005 will be rounded down to the nearest cent and amounts equal to, or greater than, HK$0.005 will be rounded up to the nearest cent.

• (iv) Any cashback that you earn can be viewed in the transaction history for your Mox Card, within the Mox app. Each notification that you receive for an approved transaction on your Mox Card will indicate the eligible cashback that you will earn when the transaction is settled.

• (v) You will earn cashback on eligible transactions in Hong Kong and overseas. For overseas transactions that are eligible for earning cashback:

• (A) the foreign currency transaction amount will be converted into Hong Kong dollars at the foreign exchange rate provided by Mastercard. A mark-up will also be added by Mastercard and Mox; and

• (B) the cashback amount will be calculated based on the total of:

• (1) the converted Hong Kong dollar transaction amount; plus

• (2) the mark-up.

• (vi) If you have been paid cashback on a transaction which has been refunded or reversed (in full or in part), we may deduct any cashback you earned on that transaction (or the relevant part of that transaction) from your Mox Account. If you raise a dispute about any eligible transaction and your dispute claim is successful, we retain the right to deduct the relevant cashback paid to your Mox Account at our discretion.

• (vii) If you take steps to close your Mox Account, we will continue paying cashback on any eligible transactions settled prior to closure. If for any reason cashback cannot be paid to your Mox Account prior to the final closure of it, you will forego that unpaid cashback. Cashback will not be paid to you after the Mox Account has been closed.

• (viii) You will not receive any cashback for so long as your Mox Account is suspended.

• (ix) We may not make cashback payments:

• (A) if any transaction or record on your Mox Card, Mox Account or Goal account(s) is in dispute;

• (B) if we believe that a transaction has been initiated for an improper purpose. For example, initiating and cancelling transactions with the intent to earn cashback, is an improper purpose; or

• (C) for any other reason we deem appropriate.

• (x) Our payment of cashback is based on settled transactions only. Cashback may not appear in your Mox Account for a number of days after a transaction we notify you is approved as eligible for cashback. The cashback that you are paid might be different to the amount we notify you when the transaction was approved. We are not liable for any difference between the cashback amount notified to you and the cashback amount (if any) paid to your Mox Account.

• (xi) We may specify, modify, suspend or terminate any cashback arrangements or offers at any time without notice, in our absolute discretion. This includes but is not limited to the cashback percentage, the timing of cashback payments and the list of ineligible transactions.

• (xii) If any dispute arises in relation to any cashback (such as the cashback percentage, the list of ineligible transactions or the records of cashback), our decision is final.

6.2. Terms applicable to Unlimited CashBack

Your Mox Card will be automatically enrolled for, and you will automatically receive, cashback payments on eligible transactions conducted through your Mox Card (“Unlimited CashBack”), subject to the following terms:

• (a) The Unlimited CashBack will be calculated based on a specific percentage of the transaction value, which is one percent (1%) but may change from time to time. This percentage is determined by us in our absolute discretion and may be reduced to a percentage of zero percent (0%). We will notify you via SMS or the Mox app of any change to the Unlimited CashBack percentage.
• (b) We have no obligation to clarify the applicable Unlimited CashBack percentage before you conduct a transaction, and are not liable to you for any change in that percentage.
• (c) Unless we specify otherwise, we will deposit any Unlimited CashBack that you earn into your Mox Account based on settled transactions only.

6.3. Terms applicable to Super CashBack

In addition to the Unlimited CashBack, we may at our discretion make additional cashback (“Super CashBack”) available with selected merchants, subject to the following terms:

• (a) The list of selected merchants, together with the applicable cashback percentage on eligible transactions will be posted on the Mox website.
• (b) Further terms applicable to the Super CashBack will be available on the Mox website.
• (c) The selected merchants may specify additional offers available to Mox Card holders from time to time. We are not liable if we do not notify you about those additional offers, or if any additional offer stated on the Mox Website is inaccurate.
• (d) Unlimited CashBack is not paid if you earn Super CashBack. For example, if the Super CashBack percentage is 3% and the Unlimited CashBack percentage is 1%, your cashback rate is 3% only – you will not (also) receive the 1% Unlimited CashBack.
• (e) We may change, modify, suspend or terminate any Super CashBack promotion at any time and in our absolute discretion.

7. Protecting your money

(a) You must protect your Mox Card, PIN and device to make sure that only you can take money out of your accounts. You should refer to the security advice we will provide you from time to time.

(b) If you don't protect your Mox Card, PIN and device, we may not give you back any money another person takes out of your accounts without your permission.

(c) To protect your Mox Card:

• (i) sign your Mox Card as soon as you receive it;
• (ii) always keep it in a safe place; and
• (iii) never lend your Mox Card to anybody or tell anyone your PIN.

(d) To protect your PIN:

• (i) don’t choose a pin that contains numbers associated with you (such as your date of birth, telephone number or vehicle number plate) or the PINs for accessing other services (such as your wifi or email accounts); and
• (ii) don't share it with any other person, or write it down on your Mox Card or anything usually kept with or near it.

Remember, you can always change your PIN in the Mox app if you forget it!

(e) You must also safeguard your Mox Card PIN for identity authentication purposes.

(f) You must lock your Mox Card on the Mox app straight away if you suspect that:

• (i) your PIN has been disclosed to or used by any unauthorised person;

• (ii) any other person has gained unauthorised possession of your Mox Card or used your Mox Card improperly; or

• (iii) your Mox Card is lost or stolen.

(g) You must also let us know via the Mox app if:

• (i) your Mox Card is lost or stolen; or
• (ii) someone else knows your PIN.

Until we receive such notice, you may be bound by any transaction by any person whether or not authorised by you. Provided you have not acted fraudulently, with gross negligence, or have not otherwise failed to let us know as soon as reasonably practicable after having found that your Mox Card has been lost or stolen, your liability prior to us receiving notification of such lost or stolen Mox Card is limited to HK$500.

You will however be liable for all losses if you have:

• (i) acted fraudulently or with gross negligence;
• (ii) failed to let us know as soon as reasonably practicable after having found that your Mox Card has been lost or stolen; or
• (iii) otherwise failed to follow the safeguards or meet your obligations set out in this clause 7 or other recommendations or terms we provide to you from time to time regarding the safety and security of your Mox Card and the PIN, and your failure has caused the loss.

8. Third party services offered with your Mox Card

(a) We may enter into arrangements with third parties (such as service providers and merchants) to offer you additional services or features on your Mox Card.

(b) These are provided to you on a best efforts basis only. We are not liable for any loss you suffer in connection with these services or features.

(c) Your Mox Card is a Mastercard and your use of the Mox Card is also subject to Mastercard terms and conditions. Mastercard may also give you access to services provided by third parties and you are liable under the terms of any such services.

9. Fees and charges

There are certain fees and charges in connection with using your card and accounts. You can see details on these fees in the Mox app.

PART C: Terms for one-time password for online payments

In this Part C, “Mox”, “we,” “us,” or “our” refers to:

(a) Mox or its successors and assigns; or

(b) any service provider operating the OTP Service on behalf of Mox.

1. Application

(a) When using the One-time Password (“OTP”) service provided by Mox (“OTP Service”), you may be subject to any posted guidelines or rules applicable to the OTP Service that may be posted from time to time in the Mox app or on our website.

(b) Any new features that augment, enhance or otherwise change the OTP Service are subject to these terms.

2. Authentication

(a) When making an online transaction and the OTP Service is required, an OTP will be sent to your mobile phone number via SMS.

(b) You must input the OTP in order to complete the online payment transaction.

(c) If you are unable to provide your OTP, or if the authentication through the OTP Service otherwise fails, the merchant may not accept your Mox Card in payment for that transaction.

(d) You agree to the use of the OTP Service to evidence your identity and the use of your Mox Card to make payment for transactions authorised using the OTP Service (including for purposes of authorisation of transactions authorised in advance to recur at substantially regular intervals).

3. Security

(a) You agree to safeguard the confidentiality of your Mox Card number and other verification or personal assurance information established by you with the OTP Service (“Security Data”).

(b) You agree not to transfer or sell your use of, or access to, the OTP Service to any third party.

(c) If you let any other person use your Security Data or disclose your Security Data to another person, you will be liable for all claims, losses and consequences arising from or in connection with all transactions made using the OTP Service by or with the consent of that person, and all activities that occur using your Security Data.

(d) If you have contributed to an unauthorised transaction (for example by keeping a written record of your Security Data, failing to take reasonable steps to prevent disclosure of your Security Data to any other person, failing to take reasonable steps to observe any of our security advice in these terms (or that we provide you from time to time), or delay in notifying us of an actual or possible disclosure to any other person of your Security Data) you may be liable for some or all of the losses resulting from the unauthorised transaction.

(e) You are not liable under this Part C for loss caused by:

• (i) the negligence, fraud or wilful default of our employees or agents, or parties involved in the provision of the OTP Service;
• (ii) faults that occur in our systems, including the systems used to provide the OTP Service, unless the faults are obvious or advised by a notice or message;
• (iii) unauthorised transactions occurring before you have established your Security Data; or
• (iv) any other transactions where it is clear that you could not have contributed to the loss.

4. Your conduct

You agree not to:

(a) impersonate any person or entity using the OTP Service;

(b) upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment used by the OTP Service;

(c) spam or flood our website, the Mox app or the OTP Service;

(d) modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the OTP Service (including, without limitation, the website) or the software used in connection with the OTP Service;

(e) remove any copyright, trademark or other proprietary rights notices contained in the OTP Service;

(f) “frame” or “mirror” any part of the OTP Service (including, without limitation, the website) without the prior written authorisation of Mox;

(g) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the OTP Service (including, without limitation, the website) or its contents;

(h) otherwise interfere with, or disrupt, the OTP Service or servers or networks connected to the OTP Service, or violate these terms or any requirements, procedures, policies or regulations applicable to the OTP Service or of any networks connected to the OTP Service; or

(i) intentionally or unintentionally violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement established by the service provider in connection with your use of the OTP Service.

5. Our liability

(a) Unless the law says otherwise:

• (i) Mox does not give any warranties or conditions (whether express, implied, statutory or otherwise) in relation to the OTP Service, and Mox excludes all implied warranties and conditions;
• (ii) Mox is not liable to you or to any third party for any modification, suspension or discontinuance of the OTP Service;
• (iii) Mox assumes no responsibility and is not liable in anyway whatsoever to you or to any third party for your use of the OTP Service;
• (iv) due to the nature of the OTP Service, Mox is not responsible for any loss of or damage to your data, software and computer, telecommunications or other equipment caused by you using the OTP Service unless such loss or damage is directly and solely caused by our negligence, fraud or wilful default; and
• (v) Mox assumes no responsibility for, and will not be liable for, any damage to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of or downloading from the OTP Service (including, without limitation, the website).

6. Dealings with merchants

(a) Your use of the OTP Service does not in any way indicate that we recommend or endorse any merchant (regardless of whether the merchant requires an OTP). For example, Mox does not verify the identity of the merchant or endorse the quality of the merchant’s goods or services.

(b) If there is any inconsistency between our internal records, and information relating to your Mox Card and related account(s) or your use of the OTP Service, our internal records will prevail in the absence of evidence to the contrary.

7. Property rights

(a) The OTP Service may be protected by copyright and other applicable laws. Mox and/or its suppliers retain all right, title, and interest in the OTP Service and all content, information, websites, software, and other materials related thereto.

(b) Some of the names referenced in the OTP Service are trademarks or registered trade marks. You agree not to use any trade marks referenced or any confusingly similar marks for any purpose without the express prior written consent of the relevant owner of the mark.

PART D: Digital wallet terms and conditions

1. Application

(a) You agree to these terms if you add your Mox Card to a digital wallet.

(b) Any terms you agree with your digital wallet provider (including their privacy policy) also apply. We have no control over your digital wallet provider’s change of its terms or privacy policy.

2. Enrolment, eligibility and use of your Mox Card through a digital wallet

(a) To be able to use your Mox Card through a digital wallet on your device, you must have a valid Hong Kong mobile phone number registered with us and follow the enrolment instructions and comply with the eligibility requirements set out in the digital wallet or as provided by us.

(b) We may decline to enrol your Mox Card to a digital wallet, including if:

• (i) the mobile phone number in our records is incorrect or invalid; or
• (ii) we determine your Mox Card or account is not in good standing or conducted in a proper or satisfactory manner.

(c) Once your Mox Card is successfully enrolled to a digital wallet, you can use your Mox Card through the digital wallet to make contactless payments at merchants (provided they accept contactless payments through a digital wallet). You may also be able to make transactions within the Mox app where payment by a digital wallet is accepted.

(d) We currently do not impose any additional fees for using your Mox Card through a digital wallet. However, your telecommunications or wireless provider may impose fees or charges for your use of a digital wallet, and you are responsible for these. Please make sure you fully understand what, and how much, those fees or charges may be.

(e) Unless the law says otherwise, we may:

• (i) terminate the use of your Mox Card through a digital wallet;
• (ii) modify or suspend the type or dollar amounts of transactions allowed using the Mox Card through a digital wallet;
• (iii) change your Mox Card’s eligibility for use through a digital wallet; and/or
• (iv) change your Mox Card authentication process.

(f) If we cancel your Mox Card or it is locked, we will disable your ability to use your Mox Card through a digital wallet (even though you may still see a symbol for your Mox Card in your digital wallet or device).

3. Privacy and notifications

(a) You might provide your personal data, Mox Card details and transaction details to the digital wallet provider by enrolling, storing and using your Mox Card through a digital wallet. We have no control of the privacy and security of your personal data and information provided by you to the digital wallet provider, which is governed by the privacy policy of, and any agreement you may have with, the digital wallet provider.

(b) We will display account and transaction details relating to your Mox Card which has been enrolled in a digital wallet. You may be able to customise or decline having such data displayed in a digital wallet. Please check with the digital wallet provider as to whether you can turn off this feature manually.

(c) Notification messages will be sent to you through a digital wallet by us for services notification or alerting you of any security or precautionary measures. We suggest that you do not deactivate the notification function in the digital wallet.

4. Removing, replacing, renewing your card in a digital wallet

(a) You can remove your Mox Card from a digital wallet by following the instructions in your digital wallet, as provided by your digital wallet provider. Once you have removed your Mox Card from a digital wallet, you will have to re-enrol your Mox Card if you wish to use it through a digital wallet again.

(b) If you remove your Mox Card from a digital wallet, you may still continue to use your physical Mox Card and your digital Mox Card on the Mox app for online transactions, provided your Mox Card and account is valid.

(c) Where your Mox Card is replaced, or we issue a new Mox Card to you, the original Mox Card will be rendered inactive from a digital wallet by us. However, we will update your new Mox Card details in the digital wallet as soon as possible so you can use your new Mox Card through the digital wallet again. You will not be required to enrol your new Mox Card through the digital wallet on your device.

(d) Your Mox Card may also be removed from a digital wallet as required by the digital wallet provider – take a look at your digital wallet provider’s terms for details. For security reasons, you might be asked to re-enrol your Mox Card to a digital wallet. If you don’t do so, you will not able to use your Mox Card for any purchase through a digital wallet.

5. Intellectual property

(a) The copyright of the contents, including patents, trade secrets, trademark, service marks, images, graphics, logos displayed (collectively intellectual property) are either owned by or licensed to us or the digital wallet provider. You don’t acquire any ownership to the intellectual property by enrolling or using your Mox Card through a digital wallet.

(b) You agree not to:

• (i) use, modify, disseminate, edit, adapt or reproduce such intellectual property without our prior consent; or
• (ii) challenge their validity or our ownership of or rights to them.

6. Disclaimers

(a) We are not the provider of digital wallets and we do not give any warranty over the use of a digital wallet.

(b) We are not responsible for the performance of the digital wallet provider or any other third parties regarding any arrangement or agreement you enter into with them in relation to a digital wallet.

(c) There are some things that we are not responsible for because they are out of our control or they relate to how a digital wallet works or some other system that the digital wallet provider uses, including:

• (i) the performance or operation of your device;
• (ii) the performance or operation of a digital wallet; and
• (iii) if the digital wallet provider stops or suspends you from using a digital wallet or your device no longer works with a digital wallet.

(d) You acknowledge that your use of your Mox Card through a digital wallet may be disrupted or terminated for reasons outside our control, and we will not be liable for any claim arising from or related to your use of (or failure to use) your Mox Card through a digital wallet.

(e) You agree not to carry out any action or otherwise use any device, software or routine to interfere or attempt to interfere with the proper working of your Mox Card or a digital wallet, including circumventing or attempting to circumvent any user authentication or security measures that have been put in place in this respect.

Version 2.0.0. These terms were last updated on 14 August 2020.