merchant-agreement

confi dential information means information and material we communicate to you in any
form that we tell you is confi dential or which we communicate to you in circumstances
of confi dence, in connection with this agreement. Confi dential information includes any
information relating to our business systems, customers, properties, assets or affairs or
those of our related bodies corporate. It also includes all copies, notes and records and all
related information based on, or arising out of, any disclosure by us of such information and
material. Confi dential information does not include information or material that is in the
public domain (other than as a result of a breach of this agreement).
contactless transaction means a transaction using a contactless card and a contactless
reader approved by us and which is accepted by us.
credit card means a card that:
(a) has been designated by the issuer as a Visa or MasterCard card; and
(b) the card schemes recognise as being a credit card.
UnionPay means the card scheme known as China UnionPay.
UnionPay card means a debit card or credit card that is branded as a UnionPay card.
UnionPay terminal means an EFTPOS terminal that we have told you can be used to process
UnionPay card transactions.
data breach means any occurrence which results in the unauthorised access by a third party
to confi dential data relating to card transactions stored by your business or any service
provider or bureau providing storage or transmission services of that data.
data security standards means the Payment Card Industry Data Security Standards
(“PCIDSS”) mandated by the card schemes for the protection of cardholder details and
transaction information, and any additional or replacement standards of which we advise
you from time to time.
electronic commerce transaction means a transaction between you and a cardholder over
the Internet and other networks using electronic equipment to initiate such a transaction.
electronic equipment means an electronic terminal, computer, television or telephone
and includes:
(a) Electronic Funds Transfer at Point of Sale terminals (EFTPOS terminals); and
(b) any other authorised electronic terminal or device connected to our electronic
banking system from time to time.
EMV standards means the industry standards for chip-enabled cards established by Europay,
Mastercard and Visa, and such replacement or additional standards as advised to you.
EPAL means EFTPOS Payments Australia Limited which conducts the EFTPOS payments
scheme.
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