Terms of Service - Buyer (US)

Google Wallet – Terms of Service

March 27, 2014

These Terms of Service are a legal agreement, between you and Google Payment Corp. ("GPC" or "we"), a wholly-owned subsidiary of Google Inc., that governs your access to and use of Google Wallet. Please review these Terms of Service before you decide whether to accept them and continue with the registration process.

By agreeing to these Terms of Service, you represent the following:

If you are a business entity, you also represent that you are:

For certain services provided by Google Wallet, please also see the following Terms of Use between you and The Bancorp Bank: Google Wallet Card Terms of Use, Google Wallet Virtual Card Terms of Use, and/or the Google Wallet Virtual OneTime Card Terms of Use.

By agreeing to these Terms of Service, you authorize Google Wallet to charge your Payment Instrument and/or debit your Google Wallet Balance, as applicable, when you incur transactions or fees using any of the services offered hereunder.

1. Definitions

The following defined terms appear in these Terms of Service.

"Applicable Law" Any and all federal, state and local laws, rules and regulations applicable to the Services.

"Bancorp" The Bancorp Bank.

"Buyer" A Customer that uses a Service to purchase goods and/or services from Sellers.

"Carrier" A mobile telephone operator approved by GPC that offers a Carrier Billing Account.

"Carrier Billing Service" The payment process whereby GPC, on behalf of Seller, submits a Payment Transaction to the Carrier for billing to the Buyer's Carrier Billing Account.

"Carrier Billing Account" The monthly or other periodic billing account provided to you by your Carrier that you register to fund certain Payment Transactions.

"Customer" A person that registers for the Service(s).

"Funding Account" A credit card, debit card or ACH-enabled checking or savings account that is registered or used by you to fund P2P Payments or payments made by you to your Google Wallet Balance.

"Google" Google Inc.

"Google Account" The account you create with Google Inc. for the use of Google Services, as defined in the Google Terms of Service.

"Google Mobile Wallet" The Google Wallet features that enable you to (i) make purchases at locations that accept contactless payments using a Google Wallet Virtual Card; and, (ii) make purchases on participating online merchant websites using a Google Wallet Virtual OneTime Card.

"Google Wallet Account" The account that is assigned to you upon your completion of the Google Wallet set-up.

"Google Wallet Balance" Funds that you may maintain in your Google Wallet Account. Google Wallet Balances are held in a deposit account at a Partner Bank.

"Google Wallet Card" The MasterCard branded debit card issued by Bancorp which is linked to your Google Wallet Account and can be used to access your Google Wallet Balance.

"Google Wallet Card Terms of Use" The terms and conditions between you and Bancorp which are applicable to use of the Google Wallet Card.

"Google Wallet Virtual Card" The MasterCard-branded prepaid debit virtual payment card product issued by Bancorp and transmitted wirelessly via near field communication ("NFC") from a mobile device.

"Google Wallet Virtual Card Terms of Use" The terms and conditions between you and Bancorp which are applicable to use of the Google Wallet Virtual Card.

"Google Wallet Virtual OneTime Card" The MasterCard-branded prepaid debit virtual payment card product issued by Bancorp for one time use at certain online merchants.

"Google Wallet Virtual OneTime Card Terms of Use" The terms and conditions between you and Bancorp which are applicable to use of the Google Wallet Virtual OneTime Card.

"Google Web Sites" The web site pages of Google, a Google affiliate or a Google-affiliated or partner company.

"GPC" Google Payment Corp.

"Offer(s)" Vouchers, coupons, discounts or other valuable content that can be redeemed at a participating merchant.

"Loyalty Program(s)" A membership, affinity, or rewards program that you have already registered for or may newly register for via Google Mobile Wallet and which, when stored as a Wallet Object into Google Mobile Wallet, may enable you to receive direct communications from the participating merchant and, in certain instances, allows you to accrue and/or redeem rewards program points and other incentives from that merchant.

"Online Card Processing Service" The service by which GPC holds a Buyer's registered Payment Instrument information and, at the time of a Buyer's purchase from a Seller using the Google Wallet, GPC provides such information to the Seller (or the Seller's card processor, including potentially GPC itself) for processing through the applicable card network, which Seller, in turn, provides to the issuer of the Payment Instrument for approval and financial settlement through the card network to the Seller.

"P2P Service" Google Wallet services permitting use of the Google Wallet Balance and peer to peer transactions.

"P2P Payment" or "Peer to Peer Payment" Payment initiated to another Customer through the P2P Service that debits or charges a Funding Account or Google Wallet Balance of the Sender and credits the funds to the Recipient's Google Wallet Balance. P2P Payments may not be used for business, commercial or charitable transactions.

"Partner Bank" One or more U.S. banks and other U.S. financial institutions issuing an account to hold Google Wallet Balances.

"Payment Instrument" A credit card, debit card, ACH-enabled checking or savings account, merchant gift card or other prepaid payment method, Carrier Billing Account, Google Wallet Balance, and/or other financial account that is registered in a Customer's Google Wallet Account. Not all Payment Instruments are eligible for use with all Services of Google Wallet.

"Payment Transaction" The processing of a payment that results in the debiting, charging, or other related transaction, of the Purchase Amount to a Buyer's Payment Instrument.

"Processing Service" The Online Card Processing Service and the Carrier Billing Service.

"Product" Any merchandise, good or service that a Buyer may purchase using a Service.

"Purchase Amount" The dollar amount of a Payment Transaction to pay for a Product, and any related fees, taxes or shipping charges, as applicable.

"Recipient" Customer who receives a payment from the Sender as the result of a P2P Payment. P2P Payments may not include business, commercial or charitable transactions.

"Seller" Customer who uses the Processing Service to process Payment Transactions from Buyers.

"Sender" Customer who uses the P2P Service to initiate a P2P Payment to send a payment to a Recipient. P2P Payments may not include business, commercial or charitable transactions.

"Service(s)" The Google Wallet products and services described in these Terms of Service that are or facilitate (i) the Processing Service, (ii) the Google Mobile Wallet, (iii) Google Wallet Balance and (iv) Peer to Peer Payments

"Wallet Objects" Items in your Wallet which are added by you or which are pushed by a merchant or third party into your supported mobile device. Wallet Objects may consist of (but are not limited to) items which are redeemable such as Offers, Loyalty Programs, tickets, boarding passes, and more.

"We", "us" Google Payment Corp.

"You", "you" A person or business that applies to, or registers to use, or uses, the Services.

2. Registration for Google Wallet

2.1 Getting started with Google Wallet

When you sign up for Google Wallet, you are creating a Google Wallet Account that is associated with your Google Account. Depending on the Services of Google Wallet you use, you may be asked to provide information such as your name, contact information, Payment Instrument information (including your bank name, routing number and account number for the account, if applicable), date of birth, and/or your social security number. We may verify your registration information with a third party verification vendor. In some cases, we may ask you to send us additional information, such as a copy of your driver's license or passport, or to answer additional questions to help us verify your identity. Finally, if you register a Carrier Billing Account, we will ask you to provide your mobile telephone number and the name and billing address associated with that number.

The information you provide will be used by us to determine if you are eligible to begin and/or continue to use Google Wallet Services. Provision and use of such data is subject to the Google Wallet Privacy Notice, as described more fully in Section 8 below.

2.2 USA PATRIOT ACT NOTICE

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that opens an account or requests credit.

2.3 Accuracy of Registration Information

You are responsible for providing accurate registration information and for keeping your registration information up to date, or notifying us in the event of changes. Changes to your primary residence address may require you to accept new Google Wallet terms of service for the country to which you have moved. In addition, as certain services are currently offered only in select countries, changes to your primary residence address may result in your becoming ineligible for certain services.

2.4 Relation to your Google Account

In order to use Google Wallet Services, you must have a Google Account which is in good standing with Google, in accordance with the Google Terms of Service. If you or Google closes your Google Account for any reason, your Google Wallet Account will also be closed and you will no longer be able to access the Google Wallet Services.

3. The Processing Service

3.1 Getting Started with the Processing Service

In order to use the Processing Service, you must complete all required information elements on the Google Wallet registration pages. You must register a valid Payment Instrument to make Payment Transactions.

You authorize GPC to confirm that your Payment Instrument is in good standing with the issuing financial institution and/or Carrier (as applicable), including, but not limited to, by submitting a request for a payment authorization and/or a low dollar credit and/or debit to the Payment Instrument, in accordance with the relevant card association or Carrier rules as applicable. GPC, in its sole and absolute discretion, may refuse to approve or may terminate existing registrations for the Processing Service with or without cause or notice, other than any notice required by any Applicable Law, and not waived herein.

3.2 Online Card Processing Service

The Online Card Processing Service facilitates a credit or debit card purchase by a Buyer from a Seller that is registered with GPC to receive certain merchant payment processing services. The Online Card Processing Service stores information from Buyers, such as their Payment Instruments and shipping information. GPC processes Payment Transactions on behalf of Sellers, as the agent of the Seller, through the appropriate credit card or debit card network or through a participating Carrier, as applicable. When Buyer chooses to pay for Products with the Processing Service, Buyer authorizes the Seller to submit charges (and, in the case of refunds, credits) to Buyer's registered Payment Instrument. GPC will assist as agent of the Seller in accessing the card networks and processing the Payment Transaction. Once Buyer's registered Payment Instrument is authorized, Buyer's payment obligation to Seller shall be deemed completed and discharged (except for Buyer's obligations in the event of a chargeback or other reversal). Purchases made through the Online Card Processing Service are also subject to the terms and conditions governing Buyer's Payment Instrument between Buyer and the issuer of the Payment Instrument. Buyer is responsible for any charges and related fees that may be imposed under the Payment Instrument terms and conditions as a result of Buyer's use of a Payment Instrument.

You acknowledge and agree that your purchases of Products are transactions between you and the Seller, and not with GPC, Google or any of their affiliates. Neither GPC nor Google are a party to your Payment Transaction for the purchase of Products, and GPC, Google, or other GPC affiliates are not a Buyer or a Seller in connection with any Payment Transaction, unless expressly designated as such in the listing of the Product on a Google Web Site.

3.3 Carrier Billing Service

Certain Sellers that use the Processing Service may permit you to have your purchase billed to your Carrier Billing Account. These additional terms apply when you use Carrier Billing through the Processing Service:

3.4 Subscriptions/Recurring Transactions Purchases

In the event that the Processing Service offers you the ability to pay for subscriptions, your subscription will start when you click "Accept & buy" on a subscription purchase. This is a recurring billing transaction. Unless otherwise stated, your subscription and the relevant billing authorization will continue indefinitely until cancelled by you.

By clicking "Accept & buy," you authorize the applicable Seller to bill your chosen Payment Instrument during the subscription at the Purchase Amount. The Purchase Amount will continue to be charged to your Payment Instrument, until you cancel your subscription, unless as otherwise stated in the terms and conditions. The billing rate is subject to change by the Seller during the subscription period.

Your Payment Instrument will be billed each period based on the date of the subscription purchase.

You may cancel a subscription at any time, but the cancellation will not become effective until the end of the current billing period. You will not receive a refund for the current billing period. You will continue to be able to access the relevant subscription for the remainder of the current billing period.

We reserve the right to issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future.

3.5 Permissible Payment Transactions

You may only use the Processing Service to process a Payment Transaction for a Product that is purchased from a Seller through a legitimate, bona fide sale of the Product. The Processing Service may not be used to process a Payment Transaction, or otherwise transfer money between a Buyer and Seller, that is unrelated to a purchase of a Product. The Processing Service may not be used to receive cash advances from Sellers or to facilitate the purchase of cash equivalents (travelers checks, prepaid cards, money orders, etc.). You may not use the Processing Service to purchase any illegal goods or services or for any other underlying illegal transaction.

You agree that you will not use the Processing Service to purchase any Products that violate these Terms of Service, other policies or rules applicable to the Processing Service, or Applicable Law. The current policy that establishes the Products and other transactions that may not be paid for with the Processing Service is provided here. Failure to comply with these limitations may result in suspension or termination of your use of the Processing Service.

Additional terms may apply for the use of the Google Wallet Virtual Card and the Google Wallet Virtual OneTime Card, as described in Section 4.

3.6 Service Fees

GPC does not charge a fee to use the Processing Service as a Buyer. The financial institution that issues, or the Carrier that provides, your Payment Instrument may charge a fee in connection with the debiting or charging of the Payment Instrument resulting from the Payment Transaction. You should consult the terms and conditions governing your Payment Instrument for more information about any such fees.

3.7 Disputes

GPC will provide various tools to assist Customers in communicating with each other to resolve a dispute that may arise between Buyers and Sellers with respect to their transaction.

For transactions other than those involving the Google Wallet Virtual Card, the Google Wallet Virtual OneTime Card, or your Wallet Balance (including with the Google Wallet Card and P2P Payments), if Customers are unable to resolve a dispute, GPC can mediate disputes between buyers and sellers if either party requests assistance. If this occurs, GPC will review the dispute and propose a non-binding solution, if appropriate. For more detailed information, please see our Frequently Asked Questions. For disputes applicable to the Google Wallet Virtual Card and the Google Wallet Virtual OneTime Card, please see Section 4. For the Google Wallet Balance Customer Service and Error Resolution Policy applicable to the Google Wallet Card and certain P2P Payments, please see Section 6.

GPC may offer a feedback or other ranking system on the Processing Service to assist you in evaluating other Customers of the Service. You acknowledge that any such feedback or ranking system represents solely the opinion of other Customers of the Processing Service, and is not an opinion, representation, or warranty by GPC with respect to other Customers of the Processing Service.

You agree to release GPC, Google, and other GPC affiliates, and their agents, contractors, officers and employees, from all claims, demands and damages (actual and consequential) arising out of or in any way connected with a dispute. You agree that you will not involve GPC in any litigation or other dispute arising out of or related to any transaction, agreement, or arrangement with any Seller, other Buyer, advertiser or other third party in connection with the Service. If you attempt to do so, (i) you shall pay all costs and attorneys' fees of GPC, Google, and other GPC affiliates and shall provide indemnification as set forth below, and (ii) the jurisdiction for any such litigation or dispute shall be limited as set forth below. However, nothing in these Terms of Service shall constitute a waiver of any rights, claims or defenses that you may have with respect to a Payment Transaction under the Buyer's card issuer agreement or Carrier Billing Account terms and conditions, the card association rules or applicable state and federal laws, such as the federal Truth in Lending Act or the Electronic Fund Transfer Act.

If you are a California resident, you hereby expressly waive California Civil Code §1542, which states: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor."

3.8 Refunds

Except as set forth in these Terms of Service, all Payment Transactions processed through the Processing Service are non-refundable to Buyer by GPC and are non-reversible by Buyer through the Processing Service. You may have additional refund or charge-back rights under your Payment Instrument issuer agreement or applicable state and federal laws. You should review your periodic statement received from the issuer of your Payment Instrument which will reflect all purchase transactions through the Processing Service. The refund procedure described in this Section 3.8 does not apply to transactions involving the Google Wallet Virtual Card, the Google Wallet Virtual OneTime Card, or your Wallet Balance (including with the Google Wallet Card and P2P Payments). For refund policies applicable to these products, please see Sections 4 and 6, respectively.

4. The Google Mobile Wallet

4.1 General Description

The Google Mobile Wallet may allow you to make Payment Transactions (i) in-store using the Google Wallet application which resides on your mobile device or (ii) online at certain merchants, in each case, using your Payment Instruments which are stored on Google Wallet servers or hosted by a third party provider designated by GPC (the "Google Mobile Wallet Service").

The Google Mobile Wallet Service may also enable you to store your Payment Instruments on GPC's servers. You can also access your Payment Instruments and transaction history. The Google Mobile Wallet Service also enables you to access Offers, Loyalty Programs, and other items which you have saved to Google Wallet as Wallet Objects. The Google Mobile Wallet Service gives you the ability to make purchases at participating merchant locations using an eligible NFC mobile device or on participating merchant websites or applications. GPC will charge your Payment Instruments stored on GPC's servers for transactions using the Google Mobile Wallet Service.

4.2 Getting Started with Google Mobile Wallet

(a) In order to use the Google Mobile Wallet, you must be a resident of the United States.

(b) You agree to notify Google Wallet immediately of any unauthorized use of Google Mobile Wallet or any other breach of security regarding the Google Mobile Wallet of which you have knowledge.

(c) Your Payment Instruments: In order to store your Payment Instruments in your Google Wallet Account, you will need to provide the information requested by Google Wallet.

(d) GPC does not make any representation or verify that any of your Payment Instruments are in good standing or that the issuer of your Payment Instrument will authorize or approve any purchase of Products from a merchant when you use the Google Mobile Wallet in connection with that purchase.

4.3 Using the Google Mobile Wallet Service

(a) You can use the Google Mobile Wallet Service as follows:

(i) In store using the Google Wallet Virtual Card stored on your mobile device by logging in to your Google Wallet Account and holding the NFC mobile device near the merchant's NFC reader; and

(ii) Online using the Google Wallet Virtual OneTime Card issued to you for such transaction when you log into your Google Wallet Account online through your mobile device, at a computer, or other device with online capabilities.

By using your Google Wallet Account using either method described in (i) and (ii) above to make Payment Transactions, you authorize GPC to charge your selected Payment Instrument for such Payment Transaction.

(b) Storing Payment Instruments. You can store a Payment Instrument with the Google Mobile Wallet Service by providing the information requested on the Google Mobile Wallet Service sign-up page, including payment credentials and billing address.

4.4. Transacting with Google Wallet Mobile Service and Google Wallet Virtual Card

(a) Issuance of the Google Wallet Virtual Card. To enable your use of the Google Mobile Wallet Service via your NFC mobile device, GPC has arranged for Bancorp to provide you with access to a MasterCard®-branded virtual prepaid debit payment card product, the Google Wallet Virtual Card, which is stored on your mobile device. By using the Google Mobile Wallet Service and the Google Wallet Virtual Card, you also agree to the Google Wallet Virtual Card Terms of Use, which may be updated from time to time. For avoidance of doubt, the Google Wallet Virtual Card Terms of Use are between you and Bancorp, not Google or GPC. In addition, the terms and conditions applicable to your chosen Payment Instrument also apply to all transactions involving the Google Wallet Virtual Card. Please refer to the terms and conditions applicable to your chosen Payment Instrument. By requesting the Google Mobile Wallet Service on your NFC enabled mobile device, you are requesting the issuance of the Google Wallet Virtual Card in order to facilitate your use of the Service.

(b) Using the Google Mobile Wallet Application. In order to use the Google Mobile Wallet Application on an NFC mobile device, follow the instructions on the Google Mobile Wallet Application to log in and then place your NFC mobile device near the merchant's NFC reader. When you place your mobile device near the merchant's NFC reader, your Google Wallet Virtual Card information will be transferred from your NFC mobile device to the merchant for use in processing the Payment Transaction. The Google Wallet Virtual Card is a prepaid debit card that can be used to make purchases when you use the Google Wallet Mobile Service at a merchant location that accepts contactless payments, even if the issuer of your registered debit or credit card is not a Google Wallet partner for NFC transactions. The Google Wallet Virtual Card is different from your debit or credit card registered in Google Wallet. The merchant will not receive your registered debit or credit card information. You may elect to use your Wallet Balance or charge your selected Payment Instrument for purchases using the Google Wallet Virtual Card. GPC will bill your selected Payment Instrument or debit your Wallet Balance for the total Purchase Amount of the Payment Transaction. If you elect to use your Wallet Balance for a transaction, but do not have enough in your Wallet Balance account to cover the transaction amount, GPC will charge your selected Payment Instrument for the difference.

(c) Payment Transaction Limits. There are maximum dollar limits on purchase payments that you may make using Google Wallet Virtual Card. Maximum purchase payments may not exceed the lesser of $1,000 per day or any daily purchase transaction limit imposed by your selected credit or debit card. GPC may, at its discretion, increase this maximum upon verification of your identity. In addition, Google Wallet Virtual Card purchase transactions below this amount may be declined if GPC is unable to complete a funding transaction to your selected Payment Instrument or if you have insufficient Wallet Balance. The Google Wallet Virtual Card may not be used for transactions in which you request cash back from the merchant. In addition, you may be subject to limitations on the amount or type of transaction or merchant as per the terms and conditions of your selected credit or debit card. Please refer to the terms and conditions of your selected credit or debit card. You are responsible for any charges and related fees that may be imposed under the terms and conditions applicable to the selected Payment Instrument for any Payment Transaction using a Google Wallet Virtual Card. The Google Wallet Virtual Card is not a credit card, and GPC and Bancorp are not extending you credit in connection with your use of the Google Mobile Wallet Service or the Google Wallet Virtual Card. GPC will instruct Bancorp to deny a requested Google Wallet Virtual Card purchase if GPC has reason to believe that it will not be able to initiate a charge to your selected Payment Instrument, if you have insufficient Wallet Balance, or if GPC otherwise believes that GPC will not be able to obtain funds from you to complete the requested purchase payment. We reserve the right to decline any Google Wallet Virtual Card-initiated Payment Transaction.

4.5 Transacting with Google Mobile Wallet Service and Google Wallet Virtual OneTime Card

(a) Issuance of the Google Wallet Virtual OneTime Card. To enable your use of the Google Mobile Wallet Service online using your mobile phone, a computer, or other device, GPC holds a Buyer's registered Payment Instrument information and facilitates payment to participating online merchants using a Google Wallet Virtual OneTime Card, after which GPC will charge the Buyer's selected Payment Instrument for the purchase. When you use the Google Mobile Wallet Service to make a purchase online, The Bancorp Bank will issue you a Google Wallet Virtual OneTime Card, a MasterCard-branded virtual prepaid debit card product that can only be used for the specific purchase for which it was issued. After issuance of the Google Wallet Virtual OneTime Card, GPC facilitates the payment to a merchant through such card, and then charges your selected Payment Instrument. When you choose to pay for a purchase online using the Google Mobile Wallet Service, you authorize the merchant and GPC to submit charges (and, in the case of refunds, credits) to your Google Wallet Virtual OneTime Card and the applicable registered Payment Instrument. By using a Google Wallet Virtual OneTime Card, you also agree to the Google Wallet Virtual OneTime Card Terms of Use, which may be updated from time to time. For the avoidance of doubt, the Google Wallet Virtual OneTime Card Terms of Use are between you and Bancorp, the issuer of the Google Wallet Virtual OneTime Card, and not Google, GPC, or any of their affiliates.

(b) Using a Google Wallet Virtual OneTime Card To Make Merchant Purchases. The Google Wallet Virtual OneTime Card is a prepaid debit card that can be used to make online purchases at a registered merchant's site that accepts MasterCard-branded prepaid debit cards. The Google Wallet Virtual OneTime Card is different from the debit or credit card registered in a Buyer's Google Wallet Account. The merchant will not receive your full registered debit or credit card information. You may elect to use your Wallet Balance or charge your selected Payment Instrument for purchases using the Google Wallet Virtual OneTime Card. GPC will bill your selected Payment Instrument or debit your Wallet Balance for the total Purchase Amount of the Payment Transaction. If you elect to use your Wallet Balance for a transaction, but do not have enough in your Wallet Balance account to cover the transaction amount, GPC will charge your selected Payment Instrument for the difference.

(c) Payment Transaction Limits. There are maximum dollar limits on purchase payments that you may make using a Google Wallet Virtual OneTime Card. Maximum purchase payments may not exceed the lesser of $2,000 or any daily purchase transaction limit imposed by your selected credit or debit card. GPC may, at its discretion, increase this maximum upon verification of your identity. In addition, Google Wallet Virtual OneTime Card purchase transactions below this amount may be declined if GPC is unable to complete a funding transaction to your selected Payment Instrument or if you have insufficient Wallet Balance. The Google Wallet Virtual OneTime Card may not be used for transactions in which you request cash back from the merchant. In addition, you may be subject to limitations on the amount or type of transaction or merchant as per the terms and conditions of your selected credit or debit card. Please refer to the terms and conditions of your selected credit or debit card. You are responsible for any charges and related fees that may be imposed under the terms and conditions applicable to the selected Payment Instrument for any Payment Transaction using a Google Wallet Virtual Card. The Google Wallet Virtual OneTime Card is not a credit card, and GPC and Bancorp are not extending you credit in connection with your use of the Google Mobile Wallet Service or the Google Wallet Virtual OneTime Card. GPC will instruct Bancorp to deny a requested Google Wallet Virtual OneTime Card purchase if GPC has reason to believe that it will not be able to initiate a charge to your selected Payment Instrument, if you have insufficient Wallet Balance, or if GPC otherwise believes that GPC will not be able to obtain funds from you to complete the requested purchase payment. We reserve the right to decline any Google Wallet Virtual OneTime Card-initiated Payment Transaction.

4.6 Save to Wallet: Saving Offers, Loyalty Programs, and more into Google Mobile Wallet as Wallet Objects

(a) Saving Wallet Objects to Google Mobile Wallet. Wallet Objects can be stored by you in your Google Mobile Wallet, or pushed to your Google Mobile Wallet from a participating merchant with your consent. Wallet Objects may consist of (but are not limited to) items such as Offers, Loyalty Program items, tickets, boarding passes, and/or other items from third party merchants which you can add to your Google Mobile Wallet and which may be redeemable for discounts or points from the third party merchant or issuer. Wallet Objects contain data, images, and messages that are controlled and updated solely by the third party merchant who issues the Wallet Object. Wallet Objects data may be presented to you on Google websites or mobile applications, participating third party websites or mobile applications, through the Google Mobile Wallet Application, or at a merchant's physical location. If you are logged into your Google Wallet account, you may select an Offer and store the Offer to appear in your Google Wallet account for redemption with a participating merchant.

(b) Storing Wallet Objects. In order to store Offers, Loyalty Program items, and more as Wallet Objects into Google Mobile Wallet, you must provide all information required by Google Mobile Wallet.

(c) Redemption of a Wallet Object stored in Google Mobile Wallet. In order to redeem an Offer, Loyalty Program, or other redeemable item stored as a Wallet Object in Google Mobile Wallet with a participating merchant, you may be asked to:

(i) permit the merchant to read the redeemable Wallet Object off the screen of the mobile device;

(ii) use the Google Mobile Wallet Service to redeem the Wallet Object in conjunction with a payment transaction; or

(iii) provide the promotion code or other code associated with the Wallet Object to the participating merchant upon such merchant's request.

In some, but not all, instances, we may enable the placement of the mobile device near the NFC reader to transmit the intended Wallet Object's redemption information to the merchant via NFC.

By taking any of the foregoing actions, you authorize the information regarding the specific redeemable item stored as a Wallet Object to be transferred from your Google Wallet Account to the merchant for redemption. The redemption of the Wallet Object is processed by the merchant at its discretion, in accordance with the merchant's terms and conditions for that item, as applicable. If you have questions regarding redemption of a particular Wallet Object, please contact the merchant directly.

(d) Your purchases of Products and/or redemptions of Wallet Objects using Google Mobile Wallet are transactions between you as a Buyer and the merchant as the merchant, and not with GPC or any Google affiliates. GPC is not a party to your purchase of Products or redemption of Wallet Object items.

4.7 Limitations; Merchant Communication

By saving Wallet Objects into your Google Wallet Account, you agree you are providing your prior express consent to receive communications from a third party merchant directly to you through Google Mobile Wallet. Google does not create or control the content sent by the merchant to you. You may remove the Wallet Object or other items from your Google Wallet Account at any time to stop receiving merchant communications through Google Wallet. Removal of a particular Wallet Object will remove all communications sent by that merchant to you through Google Mobile Wallet, but will not discontinue your loyalty program with that merchant or discontinue your communications from that merchant to you outside of Google Mobile Wallet. To discontinue a loyalty program completely, you must contact the specific merchant directly.

GPC does not guarantee the security of a third party merchant's Loyalty Program or guarantee that the merchant's systems will be error free, or that merchant systems will honor all rewards and loyalty points. GPC is not liable for errors or omissions from the merchant in the enrollment or administration of their Loyalty Programs, and is not liable for any third party merchant's security breaches that arise due to omissions or commissions within the merchant's systems or processes.

GPC does not guarantee and makes no representations that the issuer or the associated payment network of any Payment Instruments you have registered with the Google Mobile Wallet will honor any usual or promotional rewards or benefits (including any purchase protection or insurance) for your purchases using the Google Mobile Wallet. The issuer and associated network of your Payment Instruments will determine whether or not any rewards or benefits will apply to purchases made using the Google Mobile Wallet. GPC and Google are not providing you with any rewards or benefits (including purchase protection and insurance) for your use of the Google Mobile Wallet.

4.8 General Terms relating to the use of the Google Mobile Wallet Service

(a) GPC will instruct Bancorp to deny a requested Google Mobile Wallet Service purchase if GPC has reason to believe that it will not be able to initiate a charge to your selected Payment Instrument, or if GPC otherwise believes that GPC will not be able to obtain funds from you to complete the requested purchase payment. We reserve the right to decline any Google Mobile Wallet initiated Payment Transaction. We reserve the right to suspend your use of any Google Mobile Wallet Service for any reason.

(b) You acknowledge and agree that your purchases through the Google Mobile Wallet Service are transactions between you and the merchant and not with GPC, Google or any of their affiliates.

(c) The Google Wallet Mobile Service may only be used for U.S. dollar transactions within the U.S. The Google Wallet Mobile Service does not support payments in foreign currencies.

(d) You do not have any ownership interest in the prepaid account associated with the Google Wallet Virtual Card, or the Google Wallet Virtual OneTime Card, and you may only use these products to make purchase transactions in accordance with these terms.

(e) Your Authorization for Google Mobile Wallet Service Billing. By using the Google Mobile Wallet Services to make a purchase payment, you authorize the use of the Google Wallet Virtual Card, or Google Wallet Virtual OneTime Card, as applicable to complete a payment to the merchant, and you authorize GPC to charge the applicable credit card or debit card that is registered in Google Wallet and selected by you as the default Payment Instrument for the Purchase Transaction. The charge by GPC to your registered Payment Instrument is a separate payment transaction from the Google Wallet Mobile Service purchase transaction. This funding transaction will identify GPC or Google within the payment transaction identifier on your Payment Instrument statement.

(f) Receipts At Merchant Locations. You may receive a transaction receipt from a merchant when you use the Google Mobile Wallet Service. This merchant receipt will reflect the last four digits of the Google Wallet Virtual Card, or Google Wallet Virtual OneTime, as applicable, and not your credit card or debit card number that will be charged by Google Mobile Wallet Service for the payment. GPC is under no obligation to provide you with a receipt or other written confirmation in connection with the charge made at a merchant location or with an online merchant.

(g) Limits on Merchants and Purchases. We may impose limits on merchants where you can use the Google Mobile Wallet Service. Please also refer to the Google Wallet Virtual Card Terms of Use or Google Wallet Virtual OneTime Card Terms of Use, as applicable, for further information on additional limitations on permissible payments using the applicable Google Mobile Wallet Service.

(h) Periodic Statements. You agree that we will not provide you with a separate periodic statement for your use of the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card. An electronic transaction history showing all transactions with the Google Wallet Virtual Card, the Google Wallet Virtual OneTime Card, and your other Google Wallet Account transactions in electronic format will be made available free of charge at https://wallet.google.com/manage/. You are responsible for reviewing the Google Wallet Virtual Card and Google Wallet Virtual OneTime Card reflected on the Google Wallet Account transaction history.

(i) Customer Service. If you have an inquiry regarding a payment made with the Google Mobile Wallet Service, or you believe there has been an error or unauthorized transaction regarding a payment transaction using Google Wallet and the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card, please contact Google Wallet Support at 1-855-492-5538.

(j) Errors and Unauthorized Transactions. Google Wallet provides you with certain rights and protections in the event of an error or unauthorized transaction arising from your use of Google Wallet in which the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card has been used to facilitate a payment to a merchant. With respect to Payment Transactions made using the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card, see the applicable Terms of Use between you and the issuer of these card, Bancorp, for more details regarding these protections and a statement of your potential liability for use of the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card. You may also have certain rights and protections that are provided to you under your agreement with the issuer of your Payment Instrument or Applicable Law with respect to the charges for a purchase payment made to your registered credit or debit card. You should consult your agreement with the issuer of your Payment Instrument for details.

5. Google Play Gift Cards

5.1 Eligibility and Redemption

Google Play Gift Cards ("Gift Cards") are valid only for users who are 13 years of age or older, and who are residents of the USA. Gift cards are issued by GPC, unless specified otherwise. To redeem a Google Play Gift Card, you will need access to the internet, and you will need to create a Google Wallet account. For users between 13-17 years of age, your Wallet enrollment is limited solely to redemption of Gift Cards on Google Play. Google Play Gift Cards must be redeemed toward the purchase of eligible products on https://play.google.com. Purchases are deducted from the Gift Card balance. Any unused Google Play Gift Card balance will be placed in the recipient's Google Play Gift Card account when redeemed. Google may provide Gift Card purchasers with information about the redemption status of Google Play Gift Cards that they purchase. To view Google Play Gift Card balances, visit https://wallet.google.com/viewWallet.

5.2 Limitations

The Gift Card may be used for purchases of eligible items on Google Play only. Products that are excluded from purchase using a Google Play Gift Card are subscriptions and any items in the device section of Play, including hardware. Limits may apply to redemption and use. The Gift Card is not redeemable for cash or other cards, is not reloadable or refundable, cannot be combined with other non-Google Play Gift Card balances in your Google Wallet account, and cannot be resold, exchanged or transferred for value, except as required by law. If an order exceeds the Gift Card amount, the transaction will be declined unless more value is added to the Google Play Gift Card balance. Once a Gift Card is purchased, the risk of loss and title for the Gift Card passes to the purchaser. GPC disclaims all express or implied warranties as to the Google Play card and Google Play. Gift Card terms may be subject to change in our sole discretion subject to Applicable Law. To view the most recent Google Play Gift Card terms online, visit https://play.google.com/about/card-terms.html.

5.3 No Fees or Expiration

No fees or expiration dates apply to this Gift Card. No refunds. If required by law or at Google's discretion, any refunded amounts, if applicable, will be credited back to your Google Play Gift Card balance for future use under the same terms.

5.4 Fraud

Google is not responsible if a Gift Card is lost, stolen, destroyed or used without your permission. Google will have the right to close customer accounts and bill alternative forms of payment if a fraudulently obtained Gift Card is redeemed and/or used to make purchases on Google.com.

5.5 Online Assistance and Customer Care

To view your Google Play Gift Card balance, visit https://wallet.google.com/viewWallet. To speak to customer care about a Gift Card issue, call us at 1-855-466-4438.

6. Google Wallet Balance, Peer to Peer Payments and the Google Wallet Card

6.1 Google Wallet Balance

(a) Creating Google Wallet Balance. You may maintain funds in your Google Wallet Account, and such funds will be known as your Google Wallet Balance. To create a Google Wallet Balance, you will first be asked to provide certain registration information, as described in Section 2 above.

Funds can be accumulated in your Google Wallet Balance by means of: (i) a transfer of funds from a Funding Account; (ii) funds received from a Sender; and / or, (iii) a credit issued to you in accordance with the terms of the Google Wallet Balance Customer Service and Error Resolution Policy, or as a courtesy by GPC or Google. GPC will use commercially reasonable efforts to make funds available to you no later than three (3) business days after GPC receives final settlement of the funding transaction. 

For any transfer from a Funding Account which is a credit card, if your credit card issuer deems your addition of funds to your Google Wallet Balance to be a cash advance transaction or a similar non-purchase transaction, you may incur cash advance or similar fees assessed by your credit card issuer. Please refer to your agreement with your Funding Account provider for information on whether cash advance fees may be incurred.

All Google Wallet Balances will be maintained in a deposit account at a Partner Bank. GPC is not a bank and does not accept deposits or maintain deposit obligations for you. Funds held by GPC or its service providers, including Google Wallet Balances and other funds relating to the P2P service, are not deposit obligations of users and are not insured for the benefit of users by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.

(b) Withdrawal of Google Wallet Balances. You may register an ACH-enabled checking or savings account as the Funding Account for your Google Wallet Balance in order to withdraw funds from your Google Wallet Balance. If you are permitted by GPC to withdraw funds to a bank account, you must be the named account-holder of both the Google Wallet Balance and the bank account to which funds are withdrawn, or the withdrawal will not be processed. You can also withdraw funds in the form of cash at certain automatic teller machines, via over the counter transactions, and via point of sale transactions with the use of the Google Wallet Card. Withdrawals may be processed in part by third parties (such as your account-holding bank). We are not responsible for withdrawn funds once provided to the third party for delivery to you at your request or upon distribution of your Google Wallet Balance to you in cash. You are solely responsible for any fees that may be charged to you by a third party for processing a withdrawal. GPC will not be responsible for withdrawals provided to the wrong party or account, or where you provided incorrect withdrawal account details to GPC.

(c) Use of Google Wallet Balances. You may use your available Google Wallet Balance for P2P Payments, Payment Transactions on Google Play, in-store payments using the Google Mobile Wallet, to make point of sale transactions using a Google Wallet Card or the Google Wallet application if you have mobile device with an NFC chip, and withdrawals as described in Section 6.1(b) above.

(d) Limits. No transaction using your Google Wallet Balance, including with your Google Wallet Card or any P2P transfer, may exceed Ten-Thousand Dollars ($10,000) as an individual transaction or Fifty-Thousand Dollars ($50,000) in aggregate transactions over five (5) days. The Google Wallet Card has a maximum spending limit of $5,000 per 24 hour period, and a cash withdrawal limit at ATMs which you can see in your Google Wallet application. GPC or the Partner Bank may impose additional limitations on the dollar amount or frequency of any withdrawals permitted; these limitations are subject to change.

(e) No Interest On Google Wallet Balances. GPC and the Partner Bank do not pay interest to you on Google Wallet Balances or any other funds. You assign to GPC the right to earn interest on funds in the deposit account of the Partner Bank, in consideration of your use of the Service.

(f) Negative Google Wallet Balances. If for any reason, your Google Wallet Balance becomes negative, you authorize GPC to:

    1. Initiate a debit or charge to your Funding Accounts in your Google Wallet Account to bring your Google Wallet Balance to $0 and / or
    2. Use a third party to recover funds from you to bring your Google Wallet Balance to $0.

Your authorizations under this Section 6.1(f) remain in effect while you are a Customer and for a period of ninety (90) days following termination or cancellation of the Services.

6.2 Peer to Peer Payments

(a) Requirements for Registration

In order to use the P2P Service to make P2P Payments using a credit card, debit card, or ACH-enabled checking or savings account, you must register one or more such account(s) as your Funding Account(s) for the P2P Service. You authorize us to confirm that your Funding Account(s) are in good standing with the issuing financial institution, including by submitting a request for a payment authorization and/or a low monetary credit and/or debit to the Funding Account.

The P2P Service is currently available only to Senders and Recipients who are U.S. residents and who otherwise meet the requirements of these Terms of Service. The P2P Service may not be used for business, commercial or charitable transactions.

(b) Your Authorization for a P2P Payment

(1) When you request a P2P Payment to be effected through the P2P Service, you must designate a Funding Account, or your Google Wallet Balance, for such P2P Payment. As determined by the Funding Account or Google Wallet Balance you select, you authorize GPC to:

(i) For a P2P Payment made from your Google Wallet Balance, debit funds in the P2P Payment amount from your Google Wallet Balance;

(ii) For a Funding Account that is credit or debit card, initiate a charge through the applicable payment network in the P2P Payment amount; and,

(iii) For a Funding Account that is an ACH-enabled checking or savings account, initiate a debit through the ACH Network in the P2P Payment amount; and

(iv) Initiate any subsequent credit, debit or charge to your Funding Account or Google Wallet Balance in order to process a return, chargeback, reversal, refund, adjustment or rejection, to correct an error relating to, or to resubmit a P2P Payment.

(2) Your authorizations under this Section 6.2 remain in effect while you are a Customer and for a period of ninety (90) days following termination or cancellation of the Services.

6.3 Processing of P2P Payments

(a) You may send a P2P Payment to any other person who is a resident of the United States with a valid email address who otherwise meets the requirements of the Google Wallet Terms of Service to receive such P2P Payment. You must select the Funding Account or your Google Wallet Balance from which your P2P Payment will be sent at the time you initiate the P2P Payment.

(b) In the event you initiate a P2P Payment from your Google Wallet Balance and there are insufficient funds for the P2P Payment, your Google Wallet Balance may be debited in the amount of the insufficient funds. In the event your Google Wallet Balance incurs a negative balance as a result of this debit, your Funding Accounts will be debited in the order listed in your Google Wallet Account to bring your Google Wallet Balance to $0 (as described in Section 6.2(a) above).

(c) In the event your credit card issuer deems your P2P Payment to be a cash advance transaction or a similar non-purchase transaction, you may incur cash advance or similar fees assessed by your credit card issuer. Please refer to your agreement with your Funding Account provider for information on whether cash advance fees may be incurred.

(d) GPC will hold funds debited from a Sender's Funding Account or Google Wallet Balance pending transfer to the Recipient. You will not have access to funds in the process of transmission to the Recipient.

(e) The Recipient will receive an email from the Sender of a P2P Payment advising the Recipient that funds have been received for him or her. Such funds may not be available to the Recipient at the time he or she receives the email.

(f) The Recipient must either have or create a Google Wallet Account AND complete the steps required to hold a Google Wallet Balance in order for the funds to become available to him or her. A Recipient may be required to take certain actions, such as providing Google Wallet with additional registration information, or accepting the Google Wallet Terms of Service, prior to the funds becoming available. GPC is not responsible if the intended Recipient does not have or create such accounts to receive a P2P Payment.

(g) A requested P2P Payment is complete when funds are credited to the Recipient's Google Wallet Balance and are available for use or withdrawal by the Recipient. The Sender may request that GPC cancel the P2P Payment prior to GPC making the funds available to the Recipient in the Recipient's Google Wallet Balance, as described in our Customer Service & Error Resolution Policy. The Sender may request cancellation of the P2P Payment by calling GPC at 1-855-492-5538. GPC will use commercially reasonable efforts to cancel the P2P Payment upon request by the Sender. In the event that GPC is able to cancel the P2P Payment, the funds will be credited to the Sender's Funding Account, or Google Wallet Balance, that was used to fund the P2P Payment. GPC may deduct applicable fees from the returned funds, to the extent permitted by applicable law. P2P Payments that have been completed (funds have been credited to the Recipient's Google Wallet Balance and are available for use or withdrawal by the Recipient) are ineligible for cancellation.

(h) GPC reserves the right (but is not obligated) to make funds available to a Recipient before GPC receives final settlement of the Sender's funding transaction. GPC also reserves the right to delay transfer of funds to or place a hold on funds in the Recipient's Google Wallet Balance in its sole discretion.

(i) Notwithstanding the foregoing, GPC will use commercially reasonable efforts to make funds available to a Recipient no later than three (3) business days after GPC receives final settlement of the Sender's funding transaction. Except as set forth in the Customer Service & Error Resolution Policy, GPC has no liability to you or any other person for any delay in making funds available to the Recipient.

(j) If a requested P2P Payment cannot be completed for any reason, including because the Recipient is not a U.S. resident, or the Recipient does not or is ineligible to create a Google Wallet Account and / or Google Wallet Balance in order to receive the funds within ten (10) days of the Sender initiating the P2P Payment, the P2P Payment will be canceled and, to the extent possible, funds will be returned to the Sender's Funding Account or Google Wallet Balance.

6.4 Using Gmail to Initiate P2P Payments

If you have a Gmail account as part of your Google Account, you may initiate a P2P Payment through the Gmail account interface. However, although you are using Gmail to access your Google Wallet Account, you may be asked to provide login information for Google Wallet in order to initiate such P2P Payment.

To access the Google Wallet P2P Payment feature from Gmail, you must click on the $ icon in the Gmail email message. You must follow the steps in the Google Wallet/Gmail interface to identify the email address of the Recipient, the P2P Payment amount, and the Google Wallet Balance or the Funding Account for the P2P Payment. You may enter only one Recipient email address as the Recipient of the P2P Payment. You will also have the option to enter a "memo" or note for the P2P Payment, which may be retained by GPC as part of the P2P Payment record.

Upon confirmation of the P2P Payment by you, the P2P Payment will be processed by Google Wallet, and the Recipient will receive the email message you sent via Gmail, providing information to him or her about the P2P Payment. P2P Payments initiated through Gmail are subject to the same terms of this agreement as all other P2P Payments, and the Recipient must take the same steps to access the funds as for any other P2P Payment.

In the event that you have created a Google+ profile that includes your photo(s), such photo(s) may be visible to Senders and Recipients and included in your email message. You may limit the sharing of your photos by changing the settings of your Google+ profile in your Google+ account.

The text of Gmail email messages for P2P Payments, any accompanying photo(s), and any other attachments, data, or information included in such messages (other than that discussed above), are not considered part of P2P Payments processed by GPC. Your use of Gmail and Google+ are subject to the terms of service and policies of those individual products.

P2P Payments initiated through Gmail are offered as part of Google Wallet by GPC under the terms of this agreement. Gmail and Google+ are offered under the terms of your agreement for those services with Google Inc.

6.5 Google Wallet Card

(a) Issuance of the Google Wallet Card. GPC may arrange for Bancorp to provide you with access to a MasterCard branded physical debit payment card, the Google Wallet Card. By using the Google Wallet Card, you also agree to the Google Wallet Card Terms of Use, which may be updated from time to time. For avoidance of doubt, the Google Wallet Card Terms of Use are between you and Bancorp, not Google or GPC.

(b) Using the Google Wallet Card. The Google Wallet Card is a debit card that can be used to make purchases with a merchant or cash withdrawals, in each case, using any available amounts in your Google Wallet Balance.

(c) Payment Transaction Limits. You can only make transactions using the Google Wallet Card to the extent that you have Google Wallet Balance to support those transactions. Therefore, you should know the amount available in your Google Wallet Balance to use the Google Wallet Card. You agree not to make a purchase or other transaction in excess of your Google Wallet Balance. If you do make a purchase or other transaction that exceeds the balance available in your Google Wallet Balance, you agree that we can recover any negative balance incurred as indicated in Section 6.1(f).

If you have zero or negative Google Wallet Balance, any subsequent transaction authorizations using your Google Wallet Balance will be declined. Any transaction attempted for more than the amount available in your Google Wallet Balance may be declined if that merchant does not accept more than one form of payment. Certain merchants, such as restaurants and hotels, may factor in a tip of 20% or more on your purchase amount when authorizing a transaction. If your bill plus the factored tip is greater than your Google Wallet Balance, then your purchase will be declined. This factored tip will be held against your Google Wallet Balance until the actual purchase and tip amount posts to your Google Wallet Balance account. In addition, the transaction limits set forth in Section 6.1(d) also apply to your use of the Google Wallet Card. GPC may also set forth addition limits on your use of the Google Wallet Card from time to time. Further, there are limits to the amounts that you may withdraw at an ATM, a point of sale cash withdrawal, or over the counter. Please review the limits communicated to you in your Google Wallet application or in your account online.

(d) ATM Access. You can set a PIN number for the Google Wallet Card using your Google Wallet application. You may use your Card and PIN to access cash via a participating Automatic Teller Machine ("ATM"). Do not write or keep your PIN with your Google Wallet Card. If you believe your PIN has been compromised, please immediately contact the Customer Service Number. To get cash, use the "withdrawal from checking" option at an ATM. Acceptance within ATM Networks may change at any time. Use of the Card at ATMs is subject to all applicable fees, surcharges, rules and customs of any clearinghouse, ATM network, or other institution or association involved with the transaction. We may impose a fee each time a Card is used to obtain cash or any other services from an ATM, as set forth in the Section 6.7. The owner of the ATM may impose a fee in addition to any fee charged by us. The ATM owner must disclose any fee(s) they charge prior to your confirming the transaction.

(e) No Cash Value. The Google Wallet Card is not redeemable for cash or other cards, and cannot be resold, exchanged or transferred for value, except as required by law. GPC disclaims all express or implied warranties as to the physical Google Wallet Card. Except as otherwise set forth herein or required by applicable law, GPC is not responsible if your Google Wallet Card is lost, stolen, destroyed, or used without your permission.

(f) Illegal Activity. The Google Wallet Card may not be used for any illegal activity. You agree not to use the Google Wallet Card for Internet gambling, whether or not internet gambling is illegal in the jurisdiction in which you are located. You are liable for transactions you initiate by the use of the Card, whether deemed legal or illegal.

(g) No Right to Stop Payment. You do not have the right to stop payment on a transaction originated with the Google Wallet Card. You are responsible for all authorized transactions initiated by use of the Google Wallet Card.

(h) Liability for Failure to Make Transactions. We may restrict access to the Google Wallet Card, temporarily or permanently, if we notice suspicious activity in connection with the Google Wallet Card. We have no liability for restricting access to the Google Wallet Card because of suspected suspicious activity. If we do not complete a transaction using the Google Wallet Card on time or in the correct amount according to our Agreement with you (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:

There may be other applicable exceptions as otherwise provided by state or federal laws.

6.6 Transaction Records, Customer Service and Error Resolution Policy

Records of your P2P Payments through the P2P Service, transactions using your Google Wallet Card and your other Google Wallet Balance transactions (together, your "Google Wallet Balance Transactions") will be reflected in your transaction history in your Google Wallet Account. In addition, you will be provided with a monthly statement of your Google Wallet Balance Transactions in your Google Wallet Account. You are responsible for reviewing your statement and transaction activity to determine if there are any errors or unauthorized transactions, and for alerting GPC of such events, in accordance with the Google Wallet Balance Customer Service and Error Resolution Policy, available in your Google Wallet Account. You should review such Google Wallet Balance Customer Service and Error Resolution Policy to understand certain rights you may have as to your Google Wallet Balance Transactions.

It is your obligation to save or print a copy of your Google Wallet Balance statement. If your access to the Service is canceled or terminated by you or by us for any reason, you will not be permitted to access your statements stored by GPC. You may request paper copies of certain electronic records about your account and stored by GPC, subject to the limitations of the Electronic Communications policy, as stated in Section 10 below. GPC reserves the right to charge you fees for such paper copies.

6.7 Fees

GPC may charge fees in accordance with the then-current fee schedule, as stated herein. Google Wallet may assess a fee of 2.9% of the transaction amount, with a minimum fee of $0.30, per P2P Payment charged to the Sender for P2P Payments processed through the Service. Such fee shall be waived where your Google Wallet Balance is used for the P2P Payment, or an ACH-enabled checking or savings account is the Funding Account for the P2P Payment.

Google Wallet may also assess a fee of 2.9% of the transaction amount, with a minimum fee of $0.30, for adding funds to your Google Wallet Balance when you use a credit or debit card as your Funding Account. Such fee shall be waived when you use an ACH-enabled checking or savings account as the Funding Account to add funds to your Google Wallet Balance.

Google Wallet may also assess a fee of 2.9% of the transaction amount, with a minimum fee of $0.30, on the total amount your Funding Account is charged to bring your negative Google Wallet Balance to $0.

Google Wallet does not assess a fee for any transaction using your Google Wallet Card at an ATM. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries.

Please review the account terms provided by the issuer of your Funding Account for any fees they may assess on your use of your Funding Account.

7. Use of Services

7.1 Limitations

Notwithstanding any limitations described elsewhere in this Agreement, we may establish general practices and limits concerning use of the Services, including without limitation individual or aggregate transaction limits on the dollar amount or number of transactions during any specified time period(s). We reserve the right to change, suspend or discontinue any aspect of the Services at any time, including hours of operation or availability of the Services or any Service feature, without notice and without liability. We also reserve the right to impose limits on certain Service features or restrict access to some or all of the Services without notice and without liability. We may decline to process any transaction without prior notice to you.

GPC may delay, hold, cancel or reverse processing of any transaction if:

(a) a Sender makes a claim to GPC for a refund or other reversal, or

(b) GPC, in its sole discretion, believes that the transaction is invalid, suspicious, involves misconduct or fraud, or otherwise violates Applicable Law, this Agreement, or any applicable GPC or Google policies.

Buyer authorizes the charge or debit to Buyer's Payment Instrument, by GPC as agent of the Seller, as necessary to complete processing of a Payment Transaction. Buyer also authorizes the crediting or debiting, as applicable, to Buyer's Payment Instrument, by GPC as agent of the Seller, in connection with chargebacks, reversals, refunds, or adjustments through the Service by a Seller.

We may limit or suspend your use of one or more Services at any time, in our sole and absolute discretion. If we suspend your use of a Service, we will attempt to notify you by electronic mail. Suspension of your use of a Service will not affect your rights and obligations pursuant to these Terms of Service arising before or after such suspension or with respect to any non-terminated Services.

The Google Mobile Wallet is intended for use on mobile devices, Android operating systems, or other devices or operating systems approved by Google, as provided to you directly by Google or your mobile carrier. You are strictly prohibited from using the Google Mobile Wallet on a mobile device or Android operating system, or other device or operating system approved by Google, that has been modified or customized in any way. You bear sole responsibility for such unauthorized use of the Google Mobile Wallet on a modified mobile device, Android operating system, or other device or operating system approved by Google.

7.2 Fraud

If you believe your Google Wallet Account has been opened or used in an unauthorized manner, please see our fraud protection process. Also, please see our Help Center for more information on how GPC protects you from fraud.

7.3 Unclaimed Property

If GPC is holding funds due to you arising from a Payment Transaction processed using any service described herein, and GPC is unable to contact you and has no record of your use of the service for several years, Applicable Law may require GPC to report these funds as unclaimed property. If this occurs, GPC will try to locate you at the address shown in our records, but if GPC is unable to locate you, it may be required to deliver any such funds to the applicable state as unclaimed property. GPC reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by Applicable Law.

7.4 GPC Not a Banking Institution, Issuer, or Processor

GPC is not a bank or other chartered depository institution. GPC is not an issuer of any Funding Account, Payment Instrument or other item stored as a Wallet Object, unless expressly stated otherwise. With respect to Google Mobile Wallet transactions, all payment processing is handled solely by the merchant, and GPC is not involved in the merchant's processing of the payment. For the Payment Transaction facilitated with the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card, GPC handles the payment to the merchant and the charging of your registered credit or debit card to conduct your payment for the purchase.

With respect to the Processing Service, GPC processes Payment Transactions through the Processing Service as an agent of and on behalf of Sellers. Funds held by GPC or its service providers (including any bank service providers) in connection with the processing of Payment Transactions are not deposit obligations of Buyer and are not insured for the benefit of Buyer by the Federal Deposit Insurance Corporation or any other governmental agency.

These Terms of Service do not amend or otherwise modify your agreement with the issuer of your Funding Account or Payment Instrument or redeemable Wallet Object item, and you are responsible for ensuring your use of the Google Wallet complies with such agreements. You also are responsible for all charges and/or debits to your Funding Account or Payment Instrument resulting from purchases of Products or redemptions of items stored as Wallet Objects using the Google Mobile Wallet, in accordance with such agreements. In the event of any inconsistency between these Terms of Service and your agreement with the issuer of your Funding Account, Payment Instrument or redeemable Wallet Object item, these Terms of Service govern the relationship between you and GPC solely with respect to Google Wallet, and your agreement with the issuer of your Funding Account, Payment Instrument or Wallet Object item governs the relationship between you and the issuer of such item. You acknowledge and agree that you are solely responsible for the Funding Account Payment Instrument or Wallet Object item, and any other information you enter or otherwise store in the Google Mobile Wallet. GPC is not responsible for the accuracy or availability of any information you enter or otherwise store in with Google Wallet, including, without limitation, whether such information is current and up-to-date.

7.5 Communication with Issuers

By electing to use Google Mobile Wallet, you authorize GPC, directly or through the Google Mobile Wallet to communicate with the issuer of your Funding Account, Payment Instrument, or Wallet Object item, to provide or obtain any information required by that issuer. An issuer that provides this information does not endorse and is not responsible for Google Mobile Wallet.

7.6 Third Party Providers

GPC may have arranged for third party providers to provide products or services to you through the Google Mobile Wallet ("Third Party Providers"). In order to use these products or services, you may be required to agree to additional terms and conditions from those Third Party Providers, and may be subject to additional requirements of the Third Party Provider. By agreeing to these Terms of Service or continuing to use the Google Mobile Wallet, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through Google Mobile Wallet which may be updated from time to time. For avoidance of doubt, these Third Party Provider terms are between you and the applicable Third Party Provider, not GPC.

7.7 Advertising

Some of the features of Google Mobile Wallet may be supported by advertising revenue and may display advertisements and promotions. In consideration for GPC granting you access to and use of Google Mobile Wallet, you agree that GPC may place such advertising. In addition, you may have the choice to opt-in to allowing information from Google Mobile Wallet to be used by GPC and Google, in order to present you with more relevant advertising, as well as more relevant items for you to store and/or redeem as Wallet Objects.

7.8 Third Party Fees

You are responsible for any fees charged by your telecommunications provider, Payment Instrument, or Wallet Object issuer, merchant, or any other third party in connection with your use of Google Mobile Wallet.

7.9 No Extension of Credit

Neither the Google Wallet Virtual Card nor the Google Wallet Virtual OneTime Card is a credit card, and GPC and Bancorp are not extending credit in connection with your use of the Google Wallet Virtual Card or the Google Wallet Virtual OneTime Card.

7.10 No Relationship with Issuer of Payment Instruments

Use of the Google Mobile Wallet Service is not approved by, or offered in conjunction with the issuer of your Funding Account or Payment Instrument. Your Funding Account or Payment Instrument issuer may impose fees, transaction limits, or other limitations on transactions incurred using Google Wallet.

8. Privacy

You understand and agree that personal information provided to Google or GPC in connection with the Services is subject to the Google Wallet Privacy Notice: https://wallet.google.com/legaldocument?family=0.privacynotice. By agreeing to these Terms of Service you hereby agree to the Google Wallet Privacy Notice, which may be updated by Google or GPC from time to time. You understand and agree that, to the extent permitted by Applicable Law, any data you provide to GPC in connection with the Services may be shared with Google and, conversely, any data you provide to Google in connection with the Services may be shared with GPC.

You may opt-in to providing location data through your mobile device so that Google Wallet can provide you with more relevant advertising, payment information, or more relevant items for you to store as Wallet Objects based on your location. If you opt-in to providing location data, you consent to the collection, use, sharing, and onward transfer of location data, as further set forth in the Google Privacy Policy.

9. Username and Password Information

You are responsible for:

(a) maintaining the confidentiality of your username and password,

(b) any and all transactions by persons that you give access to or that otherwise use such username or password, and

(c) any and all consequences of use or misuse of your username and password. You agree to notify us immediately of any unauthorized use of your username or password or any other breach of security regarding the Services of which you have knowledge.

If you are a business entity, you agree that all officers, employees, agents, representatives and others having access to the username and/or password shall be vested by you with the authority to use the Services and to legally bind you. You shall be responsible for all actions by current and former officers, employees, agents, representatives and others, regardless of whether authorized by you, that access the Services using the business' user name and password.

10. Electronic Communications

GPC, Google Wallet, and Third Party Providers may be required to provide certain disclosures, notices and communications (collectively "Communications") to you in written form. Pursuant to these Terms of Service, we will deliver such Communications to you in electronic form. Your agreement to the Terms of Service confirms your ability and consent to receive such Communications electronically, rather than in paper form.

10.1 Electronic delivery of communications

You agree and consent to receive electronically all Communications provided to you in connection with your Google Wallet account and your use of the Google Wallet Services. Communications include:

(a) agreements and policies you must agree to in order to use the Google Wallet Services (e.g., the Google Wallet Terms of Service and Privacy Notice), including updates to those agreements and policies;

(b) payment authorizations and transaction receipts or confirmations;

(c) account statements and history; and,

(d) all other communications or documents related to or about your account and your use of the Google Wallet services.

Electronic Communications shall be deemed to be received by you upon delivery in the following manner:

(a) posting them to your Google Wallet account on the Google Wallet website or in the Google Wallet mobile application;

(b) posting them on or in Google or Google Wallet websites and mobile applications;

(c) sending them via electronic mail to the email address you used to create your Google and Google Wallet account registrations; or,

(d) otherwise communicating them to you via the Google Wallet Services.

It is your responsibility to log on to your Google Wallet account and the Google Wallet Services to open and review Communications that we deliver to you through those means. We may, but are not obligated to under these Terms of Service, provide you with notice of the posting of a Communication to your Google Wallet account or the Google Wallet Services.

You should maintain copies of electronic Communications by printing paper copies or saving electronic copies, as applicable.

10.2 Hardware and software requirements

In order to access and retain electronic Communications, you will need to maintain or have access to the following computer hardware and software at your own expense:

(a) a computer or mobile device with Internet or mobile connectivity;

(b) a current web browser that includes 128-bit encryption (e.g. Internet Explorer version 6.0 and above, Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari 3.0 and above) with cookies enabled;

(c) software capable of opening documents in PDF format;

(d) access to the valid email address you used to create your Google and Google Wallet account registrations; and,

(e) sufficient storage space to save past Communications or a printer to print them.

By giving your consent to these Terms of Service, you confirm that you are able to meet the above requirements, and that you can receive, open, and print or save any Communications referenced in these Terms of Services for your records.

10.3 Requesting additional copies and withdrawing consent

The following additional terms will apply to such electronic Communications:

(a) you may contact GPC, Google Wallet or the Third Party Provider, as applicable, to request another electronic copy of the electronic Communication without a fee;

(b) you may request a paper copy of such electronic Communication within ninety days of the original Communication issuance date, and GPC, Google Wallet or the Third Party Provider, as applicable, reserves the right to charge a fee to provide such paper copy;

(c) you may contact Google to update your registration information used for electronic Communications or to withdraw consent to receive electronic Communications; and

(d) GPC, Google Wallet or the Third Party Provider reserves the right to terminate your use of Google Wallet and the associated Third Party Provider products and services if you decline or withdraw consent to receive electronic Communications.

You may contact Google in relation to these Terms of Service by using the Contacting Us page in the Help link in the footer of your Google Wallet account.

11. Termination of Service

We may, in our sole and absolute discretion without liability to you or any third party, terminate your use of one or more Services for any reason, including without limitation inactivity or violation of these Terms of Service or other policies we may establish from time to time.

Upon termination of your use of the Services, you remain liable for all Payment Transactions, P2P Payments and any other obligations you have incurred under these Terms of Service. Upon termination, we have the right to prohibit your access to the Services, including without limitation by deactivating your username and password, and to refuse future access to the Services by you or if a business entity, its parent, affiliates or subsidiaries or its or their successors).

12. Responsibility for Taxes

The reporting and payment of any applicable taxes arising from the use of the Services is your responsibility. You hereby agree to comply with any and all applicable tax laws in connection with your use of the Services, including without limitation, the reporting and payment of any taxes arising in connection with Payment Transactions made through the Services, or income received through P2P Payments.

13. No Endorsement of Products

GPC and Google do not represent or endorse, and shall not be responsible for:

(a) the reliability or performance of any Seller, merchant or Third Party Provider;

(b) the safety, quality, accuracy, reliability, integrity or legality of any Product, Offer, Loyalty Program, or other items that may be stored and/or redeemed as Wallet Objects;

(c) the truth or accuracy of the description of any Product or Wallet Object item, or of any advice, opinion, offer, proposal, statement, data or other information (collectively, "Content") displayed or distributed, purchased or paid through the Service, or the Google Web Sites; or

(d) your ability to buy or redeem Products or Wallet Object items using the Services. GPC and Google hereby disclaim any liability or responsibility for errors or omissions in any Content in the Services. GPC and Google reserve the right, but shall have no responsibility, to edit, modify, refuse to post or remove any Content, in whole or in part, that in its sole and absolute discretion is objectionable, erroneous, illegal, fraudulent or otherwise in violation of these Terms of Service.

14. Indemnification

You agree to indemnify, defend and hold harmless GPC, Google, and their subsidiaries and other affiliates, and its and their directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (including without limitation, Bancorp and Paymentech, L.P. and relevant Customers) (collectively "Indemnified Parties") from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorneys fees, including without limitation attorneys fees and costs incurred by the Indemnified Parties arising out of, related to, or which may arise from:

(a) your use of the Services;

(b) any breach or non-compliance by you of any term of these Terms of Service or any GPC Party policies;

(c) any dispute or litigation caused by your actions or omissions; or

(d) your negligence or violation or alleged violation of any Applicable Law or rights of a third party.

15. Disclaimer

THE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS, AND INFORMATION MADE AVAILABLE ON, PROVIDED IN CONNECTION WITH OR ACCESSIBLE THROUGH THE SERVICES, ARE PROVIDED "AS IS." TO THE FULLEST EXTENT PERMISSIBLE BY LAW, GPC, GOOGLE, AND THEIR SUBSIDIARIES AND OTHER AFFILIATES, AND THEIR AGENTS, CO-BRANDERS OR OTHER PARTNERS, INCLUDING BUT NOT LIMITED TO, DEVICE MANUFACTURERS (COLLECTIVELY, "GPC PARTIES"), MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER FOR THE SERVICES OR THE CONTENT, MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SERVICES, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES. EACH GPC PARTY DISCLAIMS WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. THE GPC PARTIES DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE. THE GPC PARTIES SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF PAYMENT TRANSACTIONS, P2P PAYMENTS OR THE SERVICES.

THE GPC PARTIES ARE NOT RESPONSIBLE FOR THE ACCURACY OF ANY PAYMENT INSTRUMENT OR WALLET OBJECT INFORMATION, INCLUDING, WITHOUT LIMITATION, WHETHER SUCH INFORMATION IS CURRENT AND UP-TO-DATE. WITHOUT LIMITING THE GENERALITY OF THE PRECEDING SENTENCE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT SUCH INFORMATION IS REPORTED BY THE ISSUER AS OF A PARTICULAR TIME ESTABLISHED BY THE ISSUER AND MAY NOT ACCURATELY REFLECT YOUR CURRENT TRANSACTIONS, AVAILABLE BALANCE, OR OTHER ACCOUNT OR PROGRAM DETAILS AT THE TIME THEY ARE DISPLAYED TO YOU THROUGH THE SERVICES OR AT THE TIME YOU MAKE A PURCHASE OR REDEMPTION. YOU MAY INCUR FEES, SUCH AS OVERDRAFT FEES OR OTHER CHARGES AS A RESULT OF SUCH TRANSACTIONS, PER YOUR AGREEMENT WITH YOUR PAYMENT INSTRUMENT OR WALLET OBJECT ISSUER, OR YOUR ATTEMPT TO MAKE A PURCHASE OR REDEMPTION MAY NOT BE SUCCESSFUL.

16. Limitations of Liability; Force Majeure

IN NO EVENT SHALL ANY GPC PARTY BE RESPONSIBLE OR LIABLE TO YOU OR ANY THIRD PARTY UNDER ANY CIRCUMSTANCES FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY, DAMAGES OR LOSSES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES WHICH MAY BE INCURRED IN CONNECTION WITH ANY GPC PARTY OR THE SERVICES, OR ANY GOODS, SERVICES, OR INFORMATION PURCHASED, RECEIVED, SOLD, OR PAID FOR BY WAY OF THE SERVICES, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF THE GPC PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. IN NO EVENT SHALL THE GPC PARTIES' TOTAL CUMULATIVE LIABILITY ARISING FROM OR RELATING TO THIS AGREEMENT EXCEED THE NET FEES GPC HAS ACTUALLY RECEIVED AND RETAINED FROM YOUR VALID TRANSACTIONS DURING THE THREE MONTH PERIOD IMMEDIATELY PRECEDING THE DATE OF THE CLAIM.

Each party acknowledges that the other party has entered into these Terms of Service relying on the limitations of liability stated herein and that those limitations are an essential basis of the bargain between the parties. In addition to and without limiting any of the foregoing, no GPC Party shall have any liability for any failure or delay resulting from any condition beyond the reasonable control of such party, including but not limited to governmental action or acts of terrorism, earthquake, fire, flood or other acts of God, labor conditions, power failures and Internet disturbances.

17. Governing Law

These Terms of Service shall be governed by the laws of California, except for California's choice of law rules, and applicable federal United States laws. Each party agrees to submit to personal and exclusive jurisdiction of the courts located in Santa Clara County, California. The parties specifically exclude from application to the Terms of Service the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act.

18. Notice

In addition to the electronic communications authorized under the Section entitled, "Electronic Communications", statements, notices and other communications to you may be made by mail, email, postings on the Google Web Sites or other reasonable means. We may also provide notices of changes to the Terms of Service or other matters by displaying links to notices on the Google Web Sites. Notice to GPC and Google may be made by mail to:

Google Inc.
Attn: Google Wallet
1600 Amphitheatre Parkway
Mountain View, CA 94043

19. Modification of Terms of Service

We have the right, in our sole and absolute discretion, to change, modify, or amend any portion of these Terms of Service at any time by posting notification here or otherwise communicating the notification to you. The changes will become effective, and shall be deemed accepted by you, after the initial posting and shall apply on a going-forward basis with respect to transactions initiated after the posting date. In the event that you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services.

20. Assignment

You may not assign these Terms of Service or any rights or obligations hereunder, by operation of law or otherwise, without our prior written approval and any such attempted assignment shall be void. We reserve the right to freely assign these Terms of Service and the rights and obligations hereunder, to any third party without notice or consent. Subject to the foregoing, these Terms of Service shall be binding upon and inure to the benefit of the parties hereto, their successors and permitted assigns.

21. Survival

Upon termination of your use of the Services or termination of these Terms of Service for any reason, in addition to this section, the following sections shall survive termination: 3.2, 3.7 through 3.10, and 10 through 22.

22. Other Provisions

The failure of GPC or Google to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of these Terms of Service shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Service shall otherwise remain in full force and effect and remain enforceable between the parties. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. These Terms of Service, including GPC's or Google policies governing the Services referenced herein, constitutes the entire agreement between you and GPC with respect to the use of the Services. These Terms of Service is not intended and shall not be construed to create any rights or remedies in any parties other than you and GPC, Google, and other GPC affiliates which each shall be a third party beneficiary of these Terms of Service, and no other person shall assert any rights as a third party beneficiary hereunder.