Bank of Ireland Cardcontroller

The perfect way to control Business spending

With Bank of Ireland CardController you can control how your Bank of Ireland credit cards are used, as well as the type of expenses that are incurred.

CardController Terms and Conditions

Definitions

“Account” means your Bank of Ireland Business Credit Card Account.
“Account holder” means the applicant for the Bank of Ireland Business Credit Card Account, in whose name the Bank of Ireland Business Credit Card Account is conducted (referred to in the Card Terms and Conditions as the Customer).
“Alert” and “Alert and Block” Messages means the message received to advise (a) the Card has been used for a transaction which exceeds the limits or controls set and (b) if the Transaction has been declined as it exceeded the control set.
“Bank” means Bank of Ireland.
“Bank of Ireland CardController” means the service that allows you to apply transaction controls and alerts to Transactions on any Business Credit Card registered for the Service.
“Captcha” means the phrase which is displayed as part of the registration process and which the cardholder must confirm as part of the registration process.
“Card” means the Business Credit Card(s) that you have identified by card number and registered for the Service.
“Cardholder” means the person on the Account in whose name the Card is issued (also referred to in the Card Terms and Conditions as the Cardholder).
“Controls” means purchase controls, budget category controls, budget/spending controls that you can apply to a Card registered for the Service and which are available as part of the Service.
“MasterCard” means MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
“Privacy Policy” means the privacy policy referred to in the Privacy Section of these Terms and Conditions.
“Service” means the Bank of Ireland CardController service.
“Service Provider” means MasterCard International.
“System” means any technology used for providing the Service.
“Transactions” are transactions performed using valid Cards issued by Bank of Ireland.
“User(s)” means any person(s) authorised by you to access and use the Service.
“you” or “your” means the Account holder or administrator nominated by the Account holder, to register for the Service.

The Service is provided to you as an Account holder.
The Business Credit Card Terms and Conditions (“the Card Terms and Conditions”) also apply to you and all Users of the Service.
Your use of the Service confirms your acceptance of these terms and conditions (“the Bank of Ireland CardController Terms and Conditions”).

Service Provider

The Bank has arranged for the provision of the Service to be carried out by MasterCard as its Service Provider.

Controls

The Controls available with the Service are subject to change. Any controls applied will restrict the use of a Card. You can also enable or restrict certain types of Transactions that may be undertaken with a Card.
There may be instances where the Controls placed on a Card may not be effective. This is generally when the Bank has either not received an authorisation request, or the authorisations process is impacted by a technical issue. In these instances it may be possible for a Cardholder to perform a transaction that would otherwise be restricted or alerted.

You agree that:

  • you or the Account holder are liable for all such Transactions; and
  • in no circumstances will Bank of Ireland be liable to you, the Account holder or the Cardholder for any Transaction that is processed, even if a control has been placed on the Card.

Setting Controls

The Controls you choose may relate to an individual Card or a number of Cards issued to you by the Bank.
The following are examples of Controls and are subject to change at any time.

Purchase Controls

International Purchase, Point of Sale, Online or Phone Purchases, Time of Day Purchase, Contactless Transactions, ATM Transactions (Note: Purchase Controls cannot be set for Bank of Ireland ATM transactions).

Budget Category Controls

Travel, Restaurant and Drink, Entertainment, Entertainment Other, Motor Costs, Business Services, Office and Computing Supplies, Utilities, Construction and Hardware, Miscellaneous.

You will receive either Alert or Alert and Block Messages when Cardholder activity spending goes outside the Controls set.

Virtual Cards

Virtual Card Numbers (VCN’s) are temporary card numbers for online or phone transactions. When Virtual Cards are made available as part of the Service you will be able to generate a Virtual Card(s) using the Service and link to a Card registered with the Service.

You may choose to place Controls on the VCNs when available as part of the Service.

Registration of Card(s)

Registering for the Service will enable you to customise the Controls settings for all Cards you register for the Service.

To register your profile, you must provide the following: first name, last name, valid email address, a personalised password and answers to two security questions. You will also be asked to accept these Bank of Ireland CardController Terms and Conditions and Privacy Policy and for security reasons you must input the captcha displayed on the screen.

To register each Card, the following must be provided: the 16-digit Card number, CVC2 (security digits) and Card expiration date. For security reasons the MasterCard 3D secure code must be input for each Card registered for the Service.

The maximum number of Cards you can register for the Service is 25. If you have a requirement to register more Cards for the Service you can register these cards by setting up a new profile using a different email address for the registration process.

The Bank may change the maximum number of Cards that can be registered.

You will be responsible for all Control Settings, Alerts and Alert & Block message requests you apply to the Cards on the Account. You can, at any time, update the Controls settings for any Cards that have been registered for the Service. In the event of Card replacement and/or re-issue, the Bank will update the Card details on the System. You do not need to register these cards again.

Use of Service

You agree not to use (and to ensure that Users do not use) the Service for any purpose that is unlawful or amounts to an abuse of the Service or that otherwise interferes with or disrupts the operation of the Service.

You agree to notify each Cardholder whose Card you have registered for the Service of:
(a) the fact that the Card has been registered and;
(b) any Controls that you have set on the use of their Card and;
(c) any changes to the Controls that you have set on the use of their Card.

Authorisation of Electronic Acceptance and Electronic Contract

You agree that these Bank of Ireland CardController Terms and Conditions and the Card Terms and Conditions relating to the Card represent all of the terms and conditions that apply to the Service.
Your electronic acceptance of the Bank of Ireland CardController Terms and Conditions shall be deemed valid, authentic and will have the same legal effect as if you had signed a physical contract. You agree to receive any electronic message that is sent in the course of providing the Service to the latest e-mail address that you provided to register for the Service.

By agreeing to these Bank of Ireland CardController Terms and Conditions, you agree to receive notices and disclosures from the Bank and/or the Service Provider in connection with the Service in an electronic email form and you agree not to block receipt of such communication. You also agree to update your details through the Service if there is any change to your e-mail address.

Cancellation of the Service

If you wish to cancel the Service you can do so by deleting the Cards registered for the Service on the Bank of Ireland CardController website.

Passwords and Unauthorised Use

If the Service has been used fraudulently, you must immediately notify us and we may need to cancel and reissue all Cards registered. You will also need to change Service access passwords. The Bank has the right to interrupt or restrict the Service without notice if we suspect that any unauthorised, illegal or fraudulent activity is being performed through the Service. You agree to cooperate with the Bank in any fraud investigation.

You will have online access to a password-protected Service profile in a secure area of the site hosted by the Service Provider. You are responsible for maintaining the confidentiality of the Service profile and your password. You are responsible for any and all activity that occurs in relation to your profile and password.

Warranties

Access to your Account and other notifications through the Service (“Information”) is only available to you. All Information is believed to be accurate and up to date (subject to delays), but the Bank does not guarantee the accuracy of such Information or delays between Transactions taking place on the Card and appearing on your Service profile. The Service may be subject to interruption and access limitations. The Bank does not accept any liability or responsibility in relation to the use of the Service and does not in any way guarantee the functionality of the Service or the System, any equipment or software used with the Service. You access and use the Service and associated System entirely at your own risk.

The Bank is not responsible for any interruption to the Service or System, regardless of the duration of such interruption. To the fullest extent permitted by law, the Bank disclaims all warranties, conditions and other terms of any kind, express or implied, in connection with the Service or the System, including without limitation warranties, conditions or terms as to the satisfactory quality, merchantability, fitness for a particular purpose, non-infringement of any rights, compatibility, security and accuracy.

The Bank is without liability to you, the Account holder, Cardholders and Users and does not warrant that the Service or System will meet your requirements, or that the Service or System will be uninterrupted, timely, secure, error free, or free of viruses or bugs.

The Bank and the Service Provider do not warrant the accuracy or reliability of any Information obtained through the Service or the results provided to you. The Bank and the Service Provider may make improvements and/or changes in the Service or System at any time and without notice to you, the Account holder or any User. You agree that, any other information, material and data downloaded or obtained from the use of the Service and System are downloaded or obtained by you or on your behalf at your own risk and that you will be solely responsible for any damage to your computer hardware (including mobile devices) or loss of data that results from the downloading or obtaining the information, or any other material or data.

You agree to indemnify and hold the Bank harmless from and against any and all claims, demands, costs or expenses (including, without limitation, reasonable legal fees), made by any third party arising from your use of the Service or System (or use of the Service or System by anyone using your password) or breach of these Bank of Ireland CardController Terms and Conditions.

Assignment

The Bank may without any notice to you or the Account holder, assign all or part of its rights or duties under these Bank of Ireland CardController Terms and Conditions without such assignment being considered a modification of the Bank of Ireland CardController Terms and Conditions. You may not assign your Account or your agreement to these Bank of Ireland CardController Terms and Conditions without the prior written permission of the Bank.

Intellectual Property Rights

All intellectual property rights in the Service, including copyright, belong to the Bank and/or our licensors and/or Service Provider. You agree that you do not have any intellectual property rights in the Service or in any improvements or variations that may be made to the Service.

Privacy

All personal information collected and processed through your use of the Service will be protected by the Bank’s CardController Privacy Policy which can be accessed here at boi.com/cardcontrollerprivacy or via a link at the bottom of the Bank of Ireland CardController website when you register for the Service.

Miscellaneous

If any part of these Bank of Ireland CardController Terms and Conditions is held to be unenforceable, that will not affect the enforceability of the remaining Bank of Ireland CardController Terms and Conditions. A waiver by Bank of Ireland of any provision of these Bank of Ireland CardController Terms and Conditions shall be effective only if given in writing, and then it shall be effective only to the extent expressly stated. A failure, delay or indulgence by the Bank in exercising any power or right shall not operate as a waiver of that power or right. A single exercise or partial exercise of any power or right by the Bank shall not preclude further exercises of that power or right or the exercise of any other power or right.
The Bank (through its Service Provider) will make every effort to deliver e-mail alerts to the e-mail address you have provided. However, the Bank cannot guarantee that your emails will be delivered by your internet service provider.

Changes in the terms and conditions

The Bank reserves the right at all times to introduce new terms and conditions and to vary or amend the existing Bank of Ireland CardController Terms and Conditions by giving notice to you by whatever means allowed by law or regulation the Bank, in its discretion, deems appropriate.

Jurisdiction

These Bank of Ireland CardController Terms and Conditions shall be governed by, and construed in accordance with, the laws of the Republic of Ireland and the courts of Ireland shall have exclusive jurisdiction to resolve any disputes in connection herewith.

Bank of Ireland is regulated by the Central Bank of Ireland. Date: 1st March 2016

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