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3D Secure Terms of Use

Last updated: 18/05/2020

By registering for 3D Secure, you are telling us that you have read and agreed to the Terms of Use. If there is a conflict between these terms of Use and the Lerex Mastercard Terms and Conditions, then the Lerex Mastercard Terms and Conditions will apply. You can find those terms here in the MORE section of the Lerex APP and online portal.


1. Security

1.1 You must keep your security information (including your 3D Secure One Time Passwords) safe and confidential at all times.

1.2 If you think someone may be accessing your Account or the 3D Secure service without your authority you must notify us immediately.


2. Use of your Information

2.1 We may use the data you supply to us in relation to 3D Secure to administer the service.

2.2 We will not share your information with online retailers; however, details may be supplied to third parties if this is required for a legal or regulatory reason.

2.3 You must keep your information up to date at all times. If there is a change to your personal details, you must notify us immediately by contacting our customer service by calling the number on the back of your card (your network provider may charge a fee to call this number) or by updating your personal details in the Lerex mobile application (“the Lerex App”).

2.4 We will manage and protect your personal data in accordance with all applicable data protection laws. For full and comprehensive information about when and why we collect personal information about you, how we use it and the conditions under which we may disclose it, please refer to our Privacy Policy which is provided to you at the time we collect your Personal Data and which can be found in the Lerex App.


3. Changes to these Terms of Use

3.1 We may make changes to these Terms of Use to update or improve the 3D Secure service or to reflect requirements imposed by us by any party which assists us in providing the 3D Secure service.

3.2 We may make changes with immediate effect if required to do so by any law or regulatory requirement affecting us.

3.3 We will normally give you 60 days’ notice if the changes of these Terms of Use are to your disadvantage. We will do so by sending you a notification by email or mobile device (provided that you have provided us with an updated email address and mobile phone number) at least 2 months in advance.

4. Suspension or Termination of the Service

4.1 We may suspend, restrict use or terminate the service where:

  • There is a breach of security;

  • There is a legal or regulatory requirement;

  • You have breached these Terms of Use, your Card Terms and Conditions or the terms and conditions relating to any other product or service we provide;

  • We reasonably think you or someone impersonating you has used the service fraudulently, illegally or improperly; or

  • In exceptional circumstances if we are required to do so by Mastercard International or any third party which assists us in providing the 3D Secure service.

5. Liability

5.1 Unless you are a victim of fraud, you may be responsible for all transactions carried out and verified with your 3D Secure One Time Passwords.

5.2 We shall not be liable for any failures of the 3D Secure service caused by any systems failing or other events which we cannot reasonably control.

6. Governing Law

These terms shall be governed and interpreted in accordance with Gibraltar law.

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