Spend Google Pay Terms

Last updated: 6 November 2025

These Sharesies Google Pay Terms and Conditions (Google Pay Terms) apply to your use of Google Pay with the Spend Service. They are a supplement to, and must be read together with, the General Terms, which sets out the general terms relating to use of our Services, and the Spend Terms and Conditions (Spend Terms). The meaning of capitalised words used in the Google Pay Terms is set out in the Dictionary at the end, or are defined in the General Terms or Spend Terms.

If there is any conflict between these Google Pay Terms, and any other applicable terms that apply to Sharesies products and services, then these Google Pay Terms will apply, but only with respect to the use of Google Pay.

You must also agree to Google’s Google Pay Terms of Service in order to use Google Pay with a Sharesies Debit Card.

Transactions made using Google Pay are treated as Contactless Transactions.  

1. Using and managing Google Pay

(a) You can add a Sharesies Debit Card to Google Pay on eligible Android devices.

(b) You will be verified when adding a Sharesies Debit Card to Google Pay. 

(c) Once you have added your Sharesies Debit Card to Google Pay and been verified, you may make Contactless Transactions using Google Pay.  You may be required to enter your Sharesies Debit Card PIN into the merchant's terminal or enter your mobile phone security credentials (e.g., PIN, passcode or biometric identifier) on your Android device to complete a transaction.

(d) Instructions on how to add, or unlink an Sharesies Debit Card from Google Pay are available in-app or through the New Zealand Google Pay website. Alternatively, you can also ask us to unlink your Sharesies Debit Card by contacting Sharesies’ Customer Wealth team.

(e) Google Pay is a payment platform made available by Google, and not by Sharesies. We are not responsible for any loss you suffer in relation to:

• any error, defect or unavailability of Google Pay or any Android devices; or

• any failure or refusal of merchants to process transactions using Google Pay.

2. Sharing and using information

We may exchange information (including information about you and your Android device) with Google and our third party service providers in relation to your set up and use of Google Pay.  By using Google Pay you agree that:

(a) Google may provide us with information about you, such as your Android device details, telephone number, device type, device IP address and device location) and other information to help us identify fraud, and for security purposes.  We may use the information that Google provides us about you to:

• enable your Sharesies Debit Card to be used with Google Pay;

• provide you customer support and assist you;

• resolve customer disputes;

• facilitate accounting, auditing, billing, reconciliation, and collection activities;

• detect and manage fraud, or for other security purposes; 

•  for internal analytics; and/or

• comply with applicable law and regulations and to respond to regulatory requests.

(b) We may provide information about you to Google and our third party service providers that we use to enable your use of Google Pay.  This includes disclosing information about suspected security breaches or fraud. 

(c) Google and these third party service providers may use information we provide them to:

• enable you to set up and use Google Pay

• help prevent and detect security breaches and fraud

• provide you with visibility and information about your transactions

• comply with applicable laws and regulations

• respond to regulatory and government inquiries and comply with applicable law,

• manage and generally improve Google Pay

•  create performance reporting and analytics 

•  promote Google Pay

•  derive information for the purposes of reporting on the acquisition of Google Pay users 

•  perform advertising attribution analysis at an aggregate level 

•  map where you have used Google Pay, and use this data to improve Google Pay

•  support a payment account reference, and

• in connection with your Google account, as permitted by policies and agreements that Google has with you. 

(d) Google may also collect and use your information in accordance with its own privacy practices. Please refer to the Google privacy policy found here.

(e) If you do not want us to collect, hold, disclose or use information as set out in this section, you should not register an Sharesies Debit Card for use with Google Pay.  

(f) We may also collect, hold, use, disclose and manage your information in accordance with other Sharesies terms and conditions that apply to your use of Sharesies products and services.Our privacy policy contains more general information about how we collect and handle your information. You’ll find our privacy policy online at https://www.sharesies.nz/privacy-policy.

3. Security Requirements for Google Pay

You must take reasonable steps to secure your Android device on which your Sharesies Debit Card has been registered with Google Pay.  When you use your Sharesies Debit Card with Google Pay you are also responsible for ensuring that:

• any password of your Android device is kept secret and secure, not easily guessed, and not shared with another person.

• no one else’s biometric identifier is registered on your Android device.

• your Android device is not left unattended, is locked when not in use, and up-to-date software is installed.

• you only use Google Pay on your Android device or an Android device that you are authorised to use and not on a shared device.

• any Sharesies Debit Cards are unlinked/removed from your Android device before disposing of it.

• you follow the requirements in the Spend Terms or in-app in relation to setting a PIN.

If you do not comply with the requirements in this section you will be treated as having caused or contributed to loss arising from the unauthorised use of your Sharesies Debit Card.  The amount of potential liability you have is set out in the Spend Terms and the General Terms. 

If Google Pay is activated on your device, anyone who can unlock your device can transact with a Sharesies Debit Card card loaded to Google Pay. You’ll be liable for all transactions made with your Sharesies Debit Card card using Google Pay, whether or not you’ve actually authorised them. This takes priority over what any of our other terms say about liability for unauthorised transactions. The only exception is that you won’t be liable for unauthorised transactions made with your Sharesies Debit Card card using Google Pay during a period where you’ve advised us that someone else may be able to unlock your device and you’ve asked us to block Google Pay transactions on your Sharesies Debit Card card. This exception won’t apply if you’ve acted dishonestly or negligently.

4. What to do if there is a Problem

You should check your transaction history regularly to make sure there are no errors or unauthorised transactions.  You must notify us immediately if:

• your Sharesies Debit Card or Android device has been lost or stolen.

• you suspect someone else has used your account without your permission or may have access to your Android device or know your security credentials or Sharesies PIN.

• you know or suspect that another person may be able to unlock your Android device and/or store their biometric identifiers on your Android device.

You should immediately unlink your Sharesies Debit Card from Google Pay if your Android device is stolen or lost. Instructions on how to unlink your Sharesies Debit Card are available on the Google Pay website.

5. Fees and Charges

We do not impose any additional fees and charges for registering and using your Sharesies Debit Card with Google Pay. However, you may need to pay any third party fees and charges associated with downloading, registering and using Google Pay on an Android device.

6. Rights we have

In addition to our rights of suspension and/or termination in the Spend Terms, we may suspend or terminate use of your Sharesies Debit Card with Google Pay without prior notice at any time, including if:

• you ask us to suspend or close the account that the Sharesies Debit Card is linked to.

• you breach these Google Pay Terms.

• we suspect unauthorised transactions have occurred.

• we are required to by a regulatory or government body.

7. Change to terms

We may make changes to these Google Pay Terms at any time.  We will give you notice and communicate these changes before the change takes effect, either by direct communication, by notice in the media (including public notices), by notice on Sharesies’s website or by any other method of electronic communication used by you.  If you do not agree to any changes to these Google Pay Terms, then you must stop using your Sharesies Debit Card with Google Pay before that change comes into effect.

8. Governing law

These Sharesies Google Pay terms are governed by New Zealand law.

9. Meaning of words

10. Trademarks

Google, Android, Google Pay, Google Wallet and other marks are trademarks of Google LLC.