Important Information and Special Terms and Conditions Danske Service

Effective from 18 May 2020

Northern Ireland. Important information under the Financial  By email to [email protected]. Special Terms and Conditions

Services (Distance Marketing) Regulations You can also exercise your right to cancel Danske Mobile 2004 For your own benefit and protection, you should read the Payment Service by phoning us on 0345 600 2882 or terms and conditions (together with our data protection by following the instructions in eBanking or the Danske privacy notice, 'How we use your personal and business This notice contains extra information about Danske Mobile app. information') carefully before using the Danske Mobile Mobile Payment Service and your right to cancel it. Payment Service. Danske Mobile Payment Service enables you to send Other important information and receive payments using your . This We recommend that you download and save a copy of service is made available through which is a The laws of the United Kingdom apply to our relationship these terms and conditions to your mobile device by lookup service enabling users to direct payments into a with you when you register for Danske Mobile Payment clicking on the download icon now. A copy of the current payee’s account using the payee’s mobile phone Service. terms and conditions is also available at any time on our number as a proxy for the payee’s account details. Paym website. is a registered trade mark, and is used under licence Danske Mobile Payment Service can only be provided via from The Mobile Payments Service Company Limited. the Danske Mobile Bank app for iOS and Android devices. Special Terms and Conditions - Danske Mobile Payment

Service Your right to cancel Danske Mobile Payment Service is free of charge.

Transactions made using Danske Mobile Payment Service These Special Terms and Conditions - Danske Mobile You have a right to cancel Danske Mobile Payment are subject to the Bank’s fees and service charges as set Service, without giving a reason for doing so, within 14 out in the leaflet ‘Fees and service charges explained’. Payment Service, are in addition to the General Terms and Conditions - Personal Accounts, the Special Terms and days of the day after the day of the conclusion of the contract (which is the date upon which you register for the Conditions eBanking and Electronic Signature and to any Other taxes or costs may exist that are not charged by us. other Special Terms and Conditions that apply to Your service). A copy of the terms and conditions is set out below. You should download and save, or print a copy of, Account or Service. Unless otherwise stated, where these is a trading name of Northern Bank Special Terms and Conditions - Danske Mobile Payment the terms and conditions for your records. Limited which is registered as a company with the If you exercise your right to cancel then you will still be Service are not consistent with any of the other Terms Registrar of Companies in - and Conditions then these Special Terms and Conditions liable for any liabilities accrued prior to the date that you registration number is R568. We are authorised by cancel. will apply to the extent of that inconsistency in relation to the Prudential Regulation Authority and regulated by the operation of Danske Mobile Payment Service. the Financial Conduct Authority and the Prudential If you do not exercise your right to cancel you will be bound Regulation Authority and our reference number with Definitions by the Terms and Conditions. them is 122261. Northern Bank Limited is a member

of the Danske Bank Group. How to exercise your right to cancel The Definitions set out in the General Terms and Conditions - Personal Accounts and the Special Terms You can exercise your right to cancel Danske Mobile and Conditions for eBanking apply. In addition the following Payment Service by giving us written notice in any of the definitions apply to these Special Terms and Conditions; following ways. “Activation Code” means the six-digit activation code sent  Posting it to P.O. Box 2111, Belfast, BT10 9EG or to to You via text message and which is used to complete Danske Bank, Donegall Square West, Belfast, BT1 Your registration for Danske Mobile Payment Service. 6JS, or handing it in at any Danske Bank branch in

Danske Bank is a trading name of Northern Bank Limited which is Registered in Northern Ireland (registered number R568) Page 1 of 4 authorised by the Prudential Regulation Authority and regulated by the Registered Office: Donegall Square West, Belfast, BT1 6JS. Financial Conduct Authority and the Prudential Regulation Authority. Northern Bank Limited is a member of the Danske Bank Group

“Card PAN number” means the 16 digit number which Payment Service either via the Danske Mobile disclosure of the information that appears on a Card which has been issued to a Cardholder Bank app or in eBanking by following the You provided to Us when You for the Receiving Account. The Bank may select the Card instructions on the registration screen. registered for Danske Mobile PAN number of any such card. Payment Service and when You “Display Name” means the name that will be used to 1.2 You can only use Your Mobile Number as the make a payment using Danske identify You for the purpose of Danske Mobile Payment proxy for one bank account number. This is the Mobile Payment Service (including Service and which will be displayed to anyone who is account which will be credited when You are sent the disclosure of the Mobile registered for Paym who wishes to make a payment to You a payment using Your Mobile Number. You Number and Display Name in such using Paym. confirm that You are the owner of the Mobile a way that links such information “Paym” means the look up service provided by Participants Number (and the mobile phone) which is with You) in the course of using which enables You to send sterling payments to another registered for Danske Mobile Payment Service. Danske Mobile Payment Service, to UK Bank account (which is registered for Paym) and the following persons: receive sterling payments into a specified Account with Us 1.3 The Display Name is pre-populated from the a) the Operator; by using a mobile number as a proxy for the and name on your eBanking agreement. This is the b) any third-party suppliers to the account number of the account being credited. name that Paym will provide to someone who Operator (including the supplier or Paym is a registered trade mark, and is used under licence wants to send You a payment. If You do not agree suppliers of the System or any from The Mobile Payment Service Company Limited. that this is the way that Your name should be component of the System); “Mobile Number” means the mobile telephone number displayed then You should not proceed but c) other Participants; which You register for Danske Mobile Payments Service. instead contact Your Branch to discuss. d) any employees or contractors of “Operator” means the Mobile Payment Service Company any of the foregoing; and Limited, a company incorporated in England with 2. Using Danske Mobile Payment Service e) any other person that uses Paym registered number 08653992, with its registered (including customers of other address at 2 Thomas More Square, London, E1W 1YN. When You Register for Danske Mobile Payment Participants). “Participant” means an organisation which participates in Service You agree that; Paym. 3 Joint Accounts “Receiving Account” means the sort code and account (i) Your Mobile Number, Your Display Name, number for the Account into which You wish to receive Your sort code and account number and a Provided that We hold an appropriate mandate, money and for which Your Mobile Number is the proxy. card PAN number linked to your receiving “Register” each joint account holder can register for means the process through which You may account will be registered in Paym. You Danske Mobile Payment Service using their register to receive and send payments using Danske further agree that anyone who is own Mobile Number. This means that there can Mobile Payments Service. registered for Paym with a Participant can “System” be more than one proxy for a joint account. means the hardware, firmware, equipment, look up Your Display Name by searching software and other electronic, computer and for Your Mobile Number on the System. 4 Making a Payment telecommunication devices and equipment used in the Your sort code and account number or provision of Paym. card PAN number will not be available on 4.1 You can only make a payment using Danske such a look up but any payment sent using Mobile Payment Service via the Danske 1. Registering for Danske Mobile Payment Service. Your Mobile Number will be sent to the Mobile Bank app. Only sterling payments sort code and account number that you can be processed and payments can only 1.1 To register for the service You must firstly: have registered on the System. be made to another UK bank account held (ii) the information You provide on registration with a Participant where the account holder (i) have registered for and logged on to will be used by Us to validate that You has registered their details with Paym. eBanking, and have access to the Mobile Number that (ii) downloaded the Danske Mobile Bank You have registered with Danske Mobile 4.2 Payments to Danske Bank accounts will be app from the app stores for iOS and Payment Service. made via Internal transfer. Payments to all Android only (iii) You explicitly consent to Our use and other accounts will be sent via . Processing times are set You can then register for Danske Mobile out in the Payment Table

Danske Bank is a trading name of Northern Bank Limited which is Registered in Northern Ireland (registered number R568) Page 2 of 4 authorised by the Prudential Regulation Authority and regulated by the Registered Office: Donegall Square West, Belfast, BT1 6JS. Financial Conduct Authority and the Prudential Regulation Authority. Northern Bank Limited is a member of the Danske Bank Group

your Receiving Account. Credits can be received 4.3 In order for Us to make a payment out of Your through two payment channels - Faster 9 Suspension and Deactivation of service Payments or LINK. If you choose a Receiving Account, You will need to provide Us with Your Account which does not have a debit card issued consent. To do this You will need to: 9.1 We may suspend Your use of Danske Mobile on it (for example certain savings accounts) you Payment Service where We have reasonable grounds (i) Log on to the App by entering Your User ID, will only be able to receive payments through the passcode or biometrics and a one time for doing so (this includes where We become aware of password; Faster Payments channel. You can find further behaviour that We (acting reasonably) consider may information on the execution time for Paym be indicative of fraud in respect of Your registration or (ii) Select the ‘Transfer’ from the bottom bar payments in the Payment Table. and choose ‘Pay your contacts’; Account. (iii) Select the Account from which the 6 Payment Limits 9.2 Where We have exercised Our rights under Clause payment is to be made; (iv) Enter the Mobile Number of the Payee 9.1 We will where reasonably possible, (and where it (You can do this by selecting the Payee The limit on the payment amount You can send would not be a breach of security or be against the from Your contact list or keying in the using Danske Mobile Payment Service is set out law) give You appropriate notice of Our intention to do Payee’s Mobile Number); in the Payment Table. We reserve the right to so and explain Our reasons. We will reinstate Danske (v) Enter the amount of the payment; (Please change this amount at any time where it is Mobile Payment Service as soon as reasonably note that payment limits as set out in reasonable to do so to prevent or reduce fraud practicable after the reasons for suspending its use Clause 5 will apply) or to improve security. When We change the cease to exist. (vi) Enter other information if You wish to Payment Limit We will notify You in writing by send a message to the Payee (this is sending a secure mail to Your eBanking and by 9.3 You can deactivate Your registration for Danske optional); and updating this information on the Payment Table. Mobile Payment Service via eBanking, the Danske (vii) Confirm Your consent by entering Mobile Bank app or by contacting Us on 0345 600 your passcode to authorise the 7 Security 2882. payment. In addition to any other obligations or 9.4 You must use all reasonable endeavours to deactivate We will treat this as a valid and irrevocable responsibilities You may have under these Your registration as soon as practicable when You authority for Us to debit Your Account and make Special Terms and Conditions You must take become aware of any of the following circumstances: the payment. Accordingly, We may (subject to all reasonable steps to maintain the any legal or regulatory requirements, without confidentiality of any information shown or (i) Your registration has or is likely to have enquiring into the purpose or circumstances of stored on Your mobile device in connection been compromised; or the instructions or transaction) honour such with Your use of Danske Mobile Payment (ii) Your Mobile number has been stolen or lost; instruction even if such instruction causes an Service. You are solely responsible for the or Account to become overdrawn. safety and security of your mobile device. (iii) You no longer have access to the Mobile Number registered for this service. 4.4 We will send You a warning message if You 8 Cancellation Rights attempt to make a duplicate payment (a second 10 Variation of these Terms and Conditions payment of the same amount to the same 8.1 You can cancel your registration for Danske contact made within 1 hour of the first such Mobile Payment Service at any time. Any payment having been processed). You will be 10.1 You may be required to agree to changes to these cancellation of the Danske Mobile Payment Terms and Conditions to adjust the features and required to confirm that You wish to make the Service agreement is without prejudice to duplicate payment before being able to proceed. functionality of the Danske Mobile Payments Service or liabilities accrued prior to cancellation. to comply with any legal or regulatory requirements.

4.5 If You make a mistake and send a payment to the Changes will normally take effect immediately on your 8.2 You can exercise your right to cancel the Danske acceptance of the new terms. You may not be able to wrong Payee You must contact us immediately Mobile Payment Service agreement by and We will make reasonable efforts to try to get use the service until You have accepted the new terms. deactivating Your registration for Danske Mobile the payment returned. Payment Service via eBanking, the Danske Mobile 10.2 In respect of any material change to the provision of Bank app or by contacting Us on 0345 600 the Danske Mobile Payment service, We will give You 5. Receiving a Payment 2882. at least 2 months' notice, or if this is not practicable, as

Payments sent to you via Paym will be credited to . Danske Bank is a trading name of Northern Bank Limited which is Registered in Northern Ireland (registered number R568) Page 3 of 4 authorised by the Prudential Regulation Authority and regulated by the Registered Office: Donegall Square West, Belfast, BT1 6JS. Financial Conduct Authority and the Prudential Regulation Authority. Northern Bank Limited is a member of the Danske Bank Group

much notice as reasonable in the circumstances. 12.3 If you wish to change Your Receiving 10.3 If You do not want to be bound by any Account within Danske Mobile Payment changes to these Terms and Conditions, Service You can do this via eBanking, the You must not continue to use the service Danske Mobile Bank app or by contacting following notification of the changes as Us in one of the ways set out in Part 1 of otherwise, You will be deemed to have the General Terms and Conditions - accepted the changes. Personal Accounts under the heading ‘How You can contact Us’. 11 Termination of service

11.1 We can terminate these Special Terms and 12.4 If Your Mobile Number is lost or stolen or if You suspect that someone else may know Conditions and Your use of Danske Mobile Your User ID or passcode You must Payment Service by giving You at least two months’ notice. deactivate Danske Mobile Payment Service as set out in clause 9.3 and contact us as soon as possible. 11.2 You may terminate these Special Terms and Conditions at any time by deactivating Your registration for mobile payments via 12.5 Where there has been an unauthorised transaction on Your Account, or where a eBanking, the Danske Mobile Bank app, or by contacting Us. payment either into or out of Your Account has been carried out incorrectly, please contact Us as soon as possible for details of 11.3 If Your Account is terminated in accordance with the provisions of the General Terms how to proceed and Conditions - Personal Accounts, then 13 General Your registration for Danske Mobile Payment Service will be automatically terminated. Danske Mobile Payment Service is currently provided free of charge by Us. We reserve 11.4 Any termination of these Special Terms and the right to introduce a charge for Danske Conditions is without prejudice to any Mobile Payment Service in accordance with accrued rights and/or remedies. the General Terms and Conditions - Personal. You should refer to Your Mobile 12 Your Liability Number service provider for any additional charges that could be made by it. 12.1 You are solely responsible for the accuracy of the data given by You when You register for Danske Mobile Payment Service and when You ask Us to process a payment using Danske Mobile Payment Service.

12.2 If You change Your Mobile Number and You wish to continue to use Danske Mobile Payment Service You must deactivate Your old Mobile Number and re-register for Danske Mobile Payment Service using Your new Mobile Number.

Danske Bank is a trading name of Northern Bank Limited which is Registered in Northern Ireland (registered number R568) Page 4 of 4 authorised by the Prudential Regulation Authority and regulated by the Registered Office: Donegall Square West, Belfast, BT1 6JS. Financial Conduct Authority and the Prudential Regulation Authority. Northern Bank Limited is a member of the Danske Bank Group