The information in this article forms part of the Health and Pet Extras Card T&Cs, which you can read through the following links:
Where you are not liable
You will not be liable for losses resulting from unauthorised transactions where you have not contributed to the loss and those caused by the following:
Fraud or negligence by our employees or agents, a third party involved in networking arrangements, or a merchant or their employee or agent;
A card, identifier or passcode which is forged, faulty, expired, or cancelled;
A transaction requiring the use of a card and/or passcode that occurred before you have received them (including a reissued card and/or passcode);
A transaction being incorrectly debited more than once to your card; or
An unauthorised transaction was performed after informing us that your card was misused, lost or stolen, or the security of a passcode was breached.
You are not liable for loss arising from an unauthorised transaction that can be made using an identifier without the card or a PIN. Where a transaction can be made using the card, or a card and an identifier (such as a contactless transaction using the Tokenised Card) without a PIN, you are liable only if you unreasonably delay reporting the loss or theft of a Device.
Where you are liable
You are liable for loss resulting from an unauthorised transaction if we can prove on the balance of probability that you contributed to the loss through fraud or breaching sections 1.11 and 1.12 of the ExtrasJar Health and/or Pet Extras Card T&Cs.
In those circumstances, you are liable in full for the actual losses that occur between when you become aware (or should reasonably have become aware) of the theft or misuse of a card or device or the compromise of the PIN or passcode and when you reported it to us; however:
You are not liable for the portion of losses incurred on any one day more than any applicable daily transaction limit;
You are not liable for the portion of losses incurred in any period more than any applicable periodic transaction limit;
You are not liable for the portion of losses that exceed the available balance; and
You are not liable for the portion of losses incurred if you and we had not agreed that the available balance could be accessed using the card or identifier and/or PIN used to perform the transaction.
You will be liable for losses arising from an unauthorised transaction if we are able to prove on the balance of probability that you contributed to those losses by unreasonably delaying reporting the misuse, loss or theft of a card or device, or that the security of all PIN or device passcodes has been breached.
In those circumstances, you are liable in full for the actual losses that occur between when you become aware of the security compromise, or should reasonably have become aware in the case of a lost or stolen Card, but:
You are not liable for the portion of losses incurred on any one day more than any applicable daily transaction limit;
You are not liable for the portion of losses incurred in any period more than any applicable periodic transaction limit;
You are not liable for the portion of losses that exceed the available balance; and
You are not liable for the portion of losses incurred if we and you had not agreed that the Available Balance could be accessed using the card or identifier and/or PIN used to perform the transaction.
If a PIN was required to perform an unauthorised transaction not covered above, you will be liable for the lesser of:
$150; or
The available balance; or
The actual loss at the time that the misuse, loss or theft of a card or breach of PIN security is reported to us, excluding that portion of the losses incurred on any one day which exceeds any relevant daily or other periodic transaction limits.
If you report an unauthorised transaction, we will not hold you liable for losses arising from that transaction for an amount greater than your liability if we exercised any rights under Mastercard Scheme Rules, at the time of the report, against other parties to the Mastercard scheme (for example, chargeback rights).