Digital Wallet Service Terms

Leadtone Asia Limited Google Pay Service Terms

Introduction

Leadtone Asia Limited (\"we,\" \"us,\" or \"Leadtone\") acts as programme manager for payment cards issued by Reap Technologies Limited ("Reap"), a principal member of the Visa® network. These Google Pay Service Terms (\"Terms\") govern the use of Google Pay with Leadtone Cards and supplement your existing Leadtone Card Terms and Conditions.

These Terms should be read together with Reap's Google Pay Terms and Conditions (available at https://www.reap.co/google-pay-terms-and-conditions which govern the technical aspects of the Google Pay service.

Eligibility and Enrolment.

Google Pay is available to Leadtone Card cardholders for the purposes of purchasing goods and services with an eligible Android Device at near field communication ("NFC") enabled merchants and/or an online merchant, who accepts Google Pay as a form of payment.

To add your Leadtone Card to Google Pay, you must register your Leadtone Card through Google Pay via Leadtone's application or by directly scanning or entering the Leadtone Card details manually on Google Pay wallet ("Google Pay Card Registration"). You may be required to take additional steps to authenticate yourself before your Leadtone Card is added to Google Pay, including providing the correct one-time password ("OTP") which will be sent to you by us via SMS on your registered mobile number with us ("Additional Authentication"). Your enrolment will be declined if the Leadtone Card is not eligible for this service, you failed the authentication process, or if your Leadtone Card or the underlying Card Account is not in good standing or conducted in a proper or satisfactory manner as determined by us at our absolute discretion. Google Pay may also limit the number of Leadtone Cards that you may store in a single Android Device from time to time which we cannot control. We may, however, limit the number of Android Devices in which the same Leadtone Card can be stored from time to time and you should refer to our latest communications regarding such limit.

For a Business Account which contains multiple Leadtone Cards issuance, each Leadtone Card shall be regarded as separate, and thus be subject to separate Google Pay Card Registration and Additional Authentication individually.

By adding your Leadtone Card to Google Pay, a unique numerical identifier different from your Leadtone Card number ("Device Card Number") will be allocated for the purpose of making purchases and receiving refunds through Google Pay. Due to the manner in which Google Pay operates, you may need to present your Android Device at a merchant when you return an item purchased using Google Pay on such Android Device.

Once a Leadtone Card is added to Google Pay, you can use Google Pay to authorise transactions on a Card Account. This is done by using the relevant Android Device in place of a Leadtone Card at a contactless payment terminal or in an application on an Android Device.

Renewal of your Leadtone Card upon expiry or replacement of the damaged Leadtone Card will not affect your use of the same Leadtone Card enrolled for Google Pay, whether or not you have activated the renewed or replacement Reap Card.

Service Operation

Transaction Processing

Google Pay transactions are processed through Reap's technical infrastructure and Visa Card Networks. All transactions remain subject to Leadtone programme limits, available balances, and risk controls. Transaction authorisation involves both Leadtone programme rules and Reap's technical processing.

Program Limits and Controls

Transaction limits are set by Leadtone as programme manager within Reap's platform capabilities. We may impose additional restrictions on Google Pay usage as part of our programme management. Contactless limits apply based on merchant terminals, local regulations, and Leadtone programme settings.

Your Responsibilities

You must comply with all Leadtone programme terms and conditions, keep your Android device secure with appropriate authentication, report lost, stolen, or compromised devices to Leadtone immediately, use Google Pay only for authorised transactions within programme guidelines, monitor your Business Account statements and report discrepancies promptly.

You remain fully liable for all Google Pay transactions made with your device. All transactions by persons with access to your device (including those with registered biometrics) are considered authorised by you.

Leadtone Rights and Obligations

As programme manager, we may suspend or terminate your Google Pay access in accordance with programme rules; modify Google Pay availability for the Leadtone programme with reasonable notice; set additional transaction controls or limits through Reap's platform; update these Terms as required for programme management.

We will provide customer support for Leadtone programme-related Google Pay issues. We will process disputes and refunds according to our programme procedures and maintain programme oversight of Google Pay services through our Technology Platform.

Service Limitations

We are not responsible for:

• Reap's technical infrastructure or system availability.
• Google Pay service interruptions beyond our control.
• Merchant acceptance policies for Google Pay.
• Android device functionality or Google's data handling practices.

Service availability depends on Reap's technical systems and Google's platform functionality.

Disputes and Transaction Issues

Contact Leadtone customer support for all Google Pay-related issues and refer device account number from Google Pay (not physical card number) when reporting transaction issues.

Fees and Charges

No additional fees apply specifically for Google Pay usage. Standard Leadtone programme fees apply.

Data Handling

Leadtone's Privacy Policy governs our handling of your personal information. Reap and Google handle data according to their respective privacy policies, including sharing with payment networks for transaction processing and fraud prevention.

Liability and Risk Allocation

Leadtone's liability is limited as specified in Leadtone Card Terms and Conditions.

We are not liable for issues arising from:

• Reap's systems or services.
• Google Pay platform functionality.
• Third-party technical failures beyond Leadtone's control.

11. Programme Changes and Termination

11.1 Google Pay access terminates when:

• You remove the Leadtone card from Google Pay.
• Your Leadtone Business account is closed or suspended.
• Leadtone discontinues Google Pay for the programme.
• Reap's Google Pay services become unavailable.

11.2 We reserve the right to modify or discontinue Google Pay services for the Leadtone programme with reasonable notice.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of Hong Kong SAR China and form part of your agreement with Leadtone Asia Limited as programme manager of Reap Technologies limited.

Customer Support: Contact Leadtone Customer Service at support@leadtonegroup.com for Google Pay assistance.

Technical Provider: Card issuing services provided by Reap Technologies Limited.