IMPORTANT: If you reside in the United States, the Google Pay terms of service applicable to you are here.
最後修改日期為 2018 年 5 月 21 日
Google Pay 為 Google LLC (下稱「Google」或「我們」，地址為 1600 Amphitheatre Parkway, Mountain View, California 94043, USA) 所提供的服務，受《Google 服務條款》 (下稱「《Google 服務條款》」) 約束。Google Pay 為《Google 服務條款》中所定義的「服務」，而以下的《Google Pay 服務條款》為使用 Google Pay 時適用的附加條款。您使用 Google Pay 時須受這些《Google Pay 服務條款》、《Google 服務條款》(兩項條款均為符合《Google Pay 服務條款》，統稱「條款」)，以及《Google 私隱權政策》約束。
如果《Google Play 服務條款》與《Google 服務條款》之間有任何抵觸，應以《Google Play 服務條款》為準。
部分 Google Pay 功能之前以「Android Pay」的品牌提供。
如果您擁有 Google 其中一家全資附屬公司 (例如 Google Payment Corp. 或 Google Payment Ltd.) 的 Google Payments 帳戶，則已儲存至該帳戶的付款卡可能會在某些情況下在 Google Pay 的品牌中向您展示，但在該等情況下的使用仍需繼續遵守適用於您 Google Payments 帳戶的《Google Payments 買家服務條款》及《Google Payments 私隱聲明》。您可在此處查看適用於您居住國家/地區的《
使用 Google Pay 時，您須同意以下條款，因此請仔細閱讀條款內容。
Google Pay 可讓您使用由銀行發出的虛擬帳號 (下稱「虛擬帳號」) 進行交易。這帳號可代表您註冊 Google Pay 時所用的信用卡、扣帳卡或公共交通工具公司通行證 (「公共交通工具通行證」)、電子錢包、Google 以外的公司帳戶，以及您為啟用其他付款功能而連結至 Google Pay 的帳戶 (下稱「已連結的第三方帳戶」) 進行交易。虛擬帳號、公共交通工具通行證和已連結的第三方帳戶 (統稱「付款方式」) 可：(i) 透過支援符合規格的 NFC 流動裝置 (其中可以包括符合規格的 Android Wear 裝置)、流動裝置上運作的 Google Pay 應用程式或 Android 裝置設定中的 Google Pay 功能在參與的商店或公共交通工具內使用；或 (ii) 透過若干商家應用程式、網站和其他介面在網上使用 (公共交通工具通行證除外)。為方便在 Google Play 及其他平台上購物，當您設定虛擬帳號時，Google Pay 亦可能會將相關付款卡的實際卡號儲存在您的 Google Payments 帳戶中。Google Pay 亦可應您的要求，向第三方商家提供您的 Google Payments 帳戶資料，確保商家能透過您的付款方式收取款項，
Google Pay 亦可讓您儲存及存取付款卡以外的項目 (「Save to Google Pay 項目」)，包括優惠券、折扣或其他可在參與商家兌換的類似內容 (統稱「優惠」)；會籍、喜好傾向或您透過 Google Pay 已登記或將會登記的獎賞計劃 (統稱「會員計劃」)；旅遊、娛樂等用途的門票或通行證；
已儲存至您獨立的 Google Payments 帳戶的付款卡，與您在註冊 Google Pay 使用的任何虛擬帳號是不同的。有別於虛擬帳號，儲存至您的 Google Payments 帳戶的付款卡一般不會向您展示仿效關聯實體付款卡的卡片圖像。
(a) 年齡限制。 您必須年滿 16 歲才能使用 Google Pay。如果您已年滿 16 歲但未滿 18 歲 (或未滿您國家/地區的法定年齡)，
則必須獲得家長或法定監護人的同意方可使用 Google Pay 及接受條款。 (b) 基本使用要求。 如要使用 Google Pay，您必須擁有 Google 帳戶；符合服務系統和兼容性要求的裝置 (有關要求可能隨時變更)；可用的互聯網服務；以及兼容軟件。
這些因素均可影響您能否使用 Google Pay，及 Google Pay 的表現。請自行確認您的軟硬件設備是否符合這些系統要求。 (c) 開始使用。 您可以透過流動裝置中的 Google Pay 應用程式、Android 裝置設定中的 Google Pay 功能，或付款方式發卡機構的應用程式來設定 Google Pay。當您提供所需資料並嘗試在 Google Pay 內新增付款方式後，Google Pay 會同時檢查付款方式的發卡機構目前是否支援 Google Pay，以及付款卡本身能否配合 Google Pay 使用。請注意，並非所有來自同一個參與發卡機構的付款卡都能使用 Google Pay。如果付款方式的發卡機構目前並未支援 Google Pay，或付款方式無法新增至 Google Pay，當您的付款方式獲支援時，Google 可能會透過電郵通知您。如果付款方式的發卡機構支援 Google Pay，而您的付款方式亦符合資格，
您會在新增時看到一個要求您接受發卡機構條款及細則的畫面。 當您接受並成功新增付款方式後，Google Pay 會儲存一組虛擬帳號代替您的付款卡的實際卡號， 或把您的公共交通工具通行證或已連結的第三方帳戶與 Google Pay 聯繫，以便您以 Google Pay 進行所有店內付款交易時使用。如付款交易涉及網上商家， 除非您已連結的第三方帳戶另有提供，否則 Google Pay 會向商家傳送這組虛擬帳號或另一組獨特的帳號， 以代替所登記的付款方式。 Google Pay 及其多項功能可能僅適用於部分地區、付款方式、發卡機構或商家，
而此等適用對象亦可能隨時變更。 (d) 使用 Google Pay。 以指定付款方式使用 Google Pay 時，您將會受這些條款及付款方式的發卡機構或 Save to Google Pay 項目適用的條款及私隱權政策約束。
這些條款並不會修改該發卡機構的條款或私隱權政策。 如這些條款與發卡機構的條款有所抵觸，這些條款將會規管您在使用 Google Pay 時與 Google 之間的關係；而發卡機構的條款則會規管您與發卡機構之間的關係。 您確認 Google Pay 可自您付款方式的發卡機構獲取資訊，以在 Google Pay 以多種不同格式呈列交易詳情以及您近期的交易記錄。 您同意不會使用 Google Pay 作非法或欺詐用途，或違反任何適用法律及法規。 您同意不會直接或間接干預、干擾或不當使用 Google Pay，包括任何相關伺服器、網絡或其他基礎設施。 您同意僅以本人的信用卡或扣帳卡，或第三方帳戶以私人用途使用 Google Pay。如果您以合資格的企業卡使用 Google Pay，您同意您已獲得僱主授權， 並有能力使僱主受這些條款約束。 付款方式可能會從指定裝置的 Google Pay 中移除，亦無法在服務中使用：(i) 您從 Google Pay 刪除該付款方式；(ii) 您從 Google Payments 帳戶刪除該付款方式，或從 Google 帳戶移除此付款方法；(iii) 您透過「Android 裝置管理員」清除您的流動裝置資料；(iv) 您刪除 Google 帳戶；(v) 您的流動裝置已連續 90 日沒有連接任何 Google 產品或服務；(vi) 您已連續 12 個月沒有於該裝置上使用 Google Pay；及/或 (vii) 您的付款方式發卡銀行或付款網絡指示 Google 從 Google Pay 移除該付款方式。
(e) Google 的角色。 儘管 Google Pay 讓您能儲存付款方式並將相關資料傳送予商家或公共交通工具供應商
，Google 不會以該等付款方式處理 Google Pay 的交易。此外，Google 亦不監控付款卡、款項、付款、退款、撤銷付款，以及在 Google Pay 提供 (或增加) 付款方式、為付款方式充值或其他與使用 Google Pay 相關商業活動的適用性及準確性。如果您對上述內容有任何疑問， 請聯絡您付款方式的發卡機構。您確認並同意使用 Google Pay 所進行的是您與商家之間的交易，而非與 Google 或其任何聯繫方的交易。如使用 Google Pay 進行付款交易時遇到任何爭議， 請聯絡您付款方式的發卡機構或適當的商家。Google 均不屬於您已註冊付款方式持卡人協議內或其他使用條款內的任何一 方，並且與出貸或決定信貸資格無關。 對於您的任何付款方式記錄是否良好，或當您使用 Google Pay 進行交易時， 付款方式的發卡機構是否會授權或核准您與商家或公共交通工具供應 商進行交易，Google 一律不作聲明或驗證。 (f) 日本電子貨幣卡。 用戶 (只限日本) 除了可以使用信用卡和扣帳卡外，亦可透過 Google Pay 應用程式新增及管理電子貨幣卡 (即「日本電子貨幣卡」，在這些「條款」中定義為「付款方式」)
。日本電子貨幣卡及其相關款項會儲存於您的流動裝置的安全元件內 (但有別於信用卡和扣帳卡的虛擬帳號方式)， 並只可在備有兼容讀卡器的實體商店或透過外置讀卡器在指定網上商 家購物時使用。請查閱這些條款的其餘部分，以瞭解規範您透過 Google Pay 使用日本電子貨幣卡的其他條款。
(a) Save to Google Pay 項目。 Save to Google Pay 項目含有由發行項目的第三方商家單方控制及更新的資料、
圖像及訊息。Save to Google Pay 項目的資料可能會透過 Google 網站或流動應用程式、參與的第三方網站或流動應用程式、 Google Pay 應用程式或商家的實體商店向您展示。如果您已在網上或 Android 裝置登入 Google 帳戶，選取及儲存 Save to Google Pay 項目後，有關項目便會在 Google Pay 上顯示，以便您向參與的商家兌換。商家亦可以透過 Google Pay 向有 Save to Google Pay 項目的用戶顯示禮品卡、會員積分或其他餘額。在徵得您同意後， 商家亦可能會透過 Google Pay 向您索取註冊資料，為您註冊會員計劃。Save to Google Pay 功能並非用作儲存付款卡或開環禮品卡， 因為此類卡是可於大多數商店使用的預付禮品卡， 且在卡片背面印有網絡標誌。 (b) 使用 Save to Google Pay 項目。 當您在參與商家兌換 Save to Google Pay 項目時，即表示您為了兌換用途，
授權向商家傳輸指定兌換項目之相關資料。Save to Google Pay 項目之兌換由商家根據該項目的條款及細則 (如適用) 酌情決定。如果您對特定 Save to Google Pay 項目的兌換有疑問，請直接聯絡商家。 (c) Google 的角色。 使用 Save to Google Pay 項目購買產品，及/或兌換 Save to Google Pay 項目，均為您與商家之間的交易，而非與 Google 或其任何附屬公司。Google 並不是您購買產品或兌換 Google Pay 項目的任何一方。Google 並不保證亦不負責商家會員計劃、禮品卡計劃、餘額、優惠、
獎賞或其他 Save to Google Pay 項目之準確性、安全性， 以及上述項目是否可兌換及其他功能是否正常。 對於商家會員計劃的註冊或管理， 或用戶購買及兌換閉環禮品卡時的錯誤或遺漏， 或第三方商家系統或程序出現的安全漏洞，Google 概不負責。 (d) 商家通訊。 當您將 Save to Google Pay 項目儲存，即表示您預先允許第三方商家透過 Google Pay 直接向您傳送通訊內容。Google 並不製作或監控商家傳送給您的內容。要停止在 Google Pay 收到商家的通訊內容，您可以隨時在 Google Pay 移除 Save to Google Pay 項目 (不過，您在該商家的會員計劃並不會終止，該商家亦可繼續透過 Google Pay 以外的方式向您傳送通訊內容)。要完全終止會員計劃，
您必須直接聯絡此商家。 (e) Save to Google Pay 項目的用戶圖像。 您可以利用裝置的相機將個人或其他圖像加入 Save to Google Pay 項目。請以合理謹慎的態度掃瞄及儲存圖像。Google 對於用戶在 Save to Google Pay 項目加入的圖像 (包括含有可識別個人身分或其他敏感資料的圖像) 概不負責；同時，亦不負責因掃瞄或儲存圖像而引起之錯誤。
如加入違法、令人反感、具傷害性或具爭議性的圖像，Google 可全權酌情決定中止您使用 Google Pay 服務。
(a) Google 可分享的資料。 為了讓 Google 提供 Google Pay 服務，您允許 Google 向應用程式及網站披露您已設定 Google Pay，
並與您的付款方式相關的發卡機構及付款網絡分享您的裝置、付款、 位置及帳戶的資料。如因處理您的交易所需，您也允許 Google 與商家、付款處理公司及其他第三方機構分享您的個人資料。 (b) Google 可收集的資料。 在我們的私隱權政策允許的情況下，為協助 Google 提供並改善服務，您允許 Google 從第三方 (包括商家及您的付款方式的發卡機構) 收集交易、帳戶及其他個人資料。
Last modified: May 21, 2018
Google Pay is a service provided by Google Payment Corp. ("GPC", "we", or "us"), and is subject to the Google Payments Terms of Service ("Google Payments ToS") and Google Payments Privacy Notice. Google Pay is a "Service" as defined in the Google Payments ToS, and the following Google Pay Terms of Service are additional terms which apply to the use of Google Pay. Your use of Google Pay is subject to these Google Pay Terms of Service and the Google Payments ToS (which together, for purposes of these Google Pay Terms of Service, we refer to as the "Terms").
If there is any conflict between the Google Pay Terms of Service and the Google Payments ToS, the Google Pay Terms of Service shall prevail. Capitalized terms not defined in these Google Pay Terms of Service have the meanings given to them in the Google Payments Terms of Service.
Certain Google Pay features were previously branded "Android Pay." While you may continue to see legacy references to Android Pay in stores or on apps and websites, those features are subject to these Terms.
Cards saved to your Google Payments Account may also be presented to you in certain contexts under the Google Pay brand, but their use in those contexts will remain subject to applicable provisions of the Google Payments Terms of Service. See Section 2, "General Description of Google Pay," for more details.
Your use of Google Pay requires that you agree to the following terms. Please read them carefully. Some products and features may not be available in all countries. Please see the Google Pay Help Center for more information.
Google Pay allows you to transact using a Virtual Account Number, transit agency pass you register with Google Pay ("Transit Pass"), or Linked Third-Party Account (collectively, "Payment Instruments"): (i) at participating merchant or transit locations, using an eligible NFC mobile device (which may include an eligible Android Wear device) and either the Google Pay application that resides on your mobile device or the Google Pay functionality in your Android device's settings, or (ii) online through certain merchant apps, websites, and other interfaces (Transit Passes excluded). When you set up a Virtual Account Number, Google Pay may also store the actual number of the underlying card in your Google Payments Account, on GPC's servers, for purchases on Google Play and elsewhere. At your request, Google Pay may assist with providing information from your Google Payments account to third party merchants, so that such merchants can charge your payment instrument and deliver goods and services to you.
Google Pay may also enable you to store and access Offers, Loyalty Programs, rewards, gift cards, tickets or passes for purposes like travel and entertainment, and other items stored as Save to Google Pay Items. Google Pay and its various features may only be available for use in certain regions, with certain cards or card-issuing banks, or with certain merchants. Such regions, cards, banks, and merchants are subject to change at any time.
Payment cards saved to your Google Payments Account are distinct from any Virtual Account Numbers you registered with Google Pay. Unlike a Virtual Account Number, a card saved to your Google Payments account will generally not be presented to you with card art resembling the associated physical card. Such a card may nevertheless be presented to you under the Google Pay brand in certain contexts, including when making a payment transaction on a Google app or website (e.g., Google Play or YouTube), on a third-party merchant's app or website, using the Google Assistant, or using the Google Chrome browser's Autofill feature. Such uses are subject to applicable provisions of the Google Payments Terms of Service.
(a) Getting Started. You must have a Google Account to use Google Pay. You may set up the Service using either the Google Pay application that resides on your mobile device, the Google Pay functionality in your Android device's settings, or via your Payment Instrument issuer's app. After you have provided the requested information and attempted to add a Payment Instrument to Google Pay, Google Pay will check both whether your Payment Instrument's issuer currently supports the Service and whether the card itself is eligible to be used with Google Pay. All of a participating issuer's cards may not be eligible. If your card's issuer does not currently support Google Pay or your card is not eligible to be added to Google Pay, GPC may alert you via email when your card becomes eligible. If your Payment Instrument's issuer supports Google Pay and your card is eligible, when adding it you will see a screen asking you to accept the issuer's terms and conditions. Once you have done so and successfully added the Payment Instrument, Google Pay will store a Virtual Account Number representing your card's actual card number, or associate your Transit Pass or Linked Third-Party Account with Google Pay. This Virtual Account Number will be used for all in-store payment transactions using Google Pay. For payment transactions involving online merchants, Google Pay will cause either this or another uniquely generated account number to be sent to the merchant, as a representation of your registered Payment Instrument, unless your Linked Third-Party Account provides otherwise.
(b) Use of Google Pay. Your use of Google Pay with a given Payment Instrument is governed by these Terms as well as the applicable terms and privacy policy from the issuer of your Payment Instrument or Save to Google Pay Item. Nothing in these Terms modifies such issuer terms or privacy policy. In the event of any inconsistency between these Terms and your issuer's terms, these Terms will govern the relationship between you and GPC with respect to Google Pay, and your issuer's terms will govern the relationship between you and the issuer. You acknowledge that Google Pay may receive information from your Payment Instrument's issuer to display richly formatted transaction details and your recent transaction history in Google Pay. You agree not to use Google Pay for unlawful or fraudulent purposes, or otherwise in violation of applicable law and regulation. You agree not to directly or indirectly interfere with, disrupt, or otherwise misuse the Google Pay Service, including any of its related servers, networks, or other infrastructure. You agree that Google Pay is for your personal use, with your own credit or debit cards, or third-party accounts. If you use Google Pay with an eligible corporate card, you agree that you are doing so with your employer's authorization and with the ability to bind your employer to these Terms.
A Payment Instrument may be removed from Google Pay and become unusable with the Service if: (i) you delete the Payment Instrument from Google Pay; (ii) you delete the Payment Instrument from your Google Payments account, or remove it as a payment method from your Google Account, (iii) you erase your mobile device using Android Device Manager; (iv) you delete your Google Account; (v) your mobile device fails to connect to any Google product or service for 90 consecutive days; (vi) you do not use Google Pay on the device for 12 consecutive months; and/or (vii) your card's issuing bank or payment network instructs Google to remove the card from Google Pay.
(c) GPC's Role. While Google Pay enables you to store your Payment Instruments and transmit their information to merchants or transit providers, neither GPC nor Google processes Google Pay transactions with such Payment Instruments, and neither exercises control over: the availability or accuracy of payment cards, payments, refunds, chargebacks; the provisioning (or addition) of cards to Google Pay; or other commercial activity relating to your use of Google Pay. For any concerns relating to the foregoing, please contact your Payment Instrument's issuer. You acknowledge and agree that your transactions through Google Pay are transactions between you and the merchant and not with GPC, Google, or any of their affiliates. For disputes relating to payment transactions conducted using Google Pay, contact your Payment Instrument's issuer or the appropriate merchant. Neither GPC nor Google is a party to your registered Payment Instruments' cardholder agreements or other terms of use, and neither is involved in issuing credit or determining eligibility for credit. GPC does not make any representation or verify that any of your Payment Instruments are in good standing or that the issuer of your Payment Instrument will authorize or approve any transaction with a merchant or transit provider when you use Google Pay in connection with that transaction.
(a) Save to Google Pay Items can be stored by you in your Google Account, or pushed to your Google Account by a participating merchant with your consent, on the web or on an Android device. Save to Google Pay Items may consist of (but are not limited to) items such as Offers, Loyalty Program items, closed loop gift cards that can be redeemed at a specific merchant store or group of stores, and/or other items from third party merchants which you can add to your Google Account, and which may be redeemable for discounts or points from the third party merchant or issuer. The Save to Google Pay feature includes scanning, storage, manually and automatically updated gift card balance displays, loyalty points, status updates and more. Save to Google Pay Items contain data, images, and messages that are controlled and updated solely by the third party merchant who issues them. Save to Google Pay Items data may be presented to you on Google websites or mobile applications, participating third party websites or mobile applications, through the Google Pay application, or at a merchant's physical location. If you are logged in to your Google Account on the web or on an Android device, you may select and store a Save to Google Pay Item to appear in Google Pay for redemption with a participating merchant.
(b) Redemption of a Save to Google Pay Item. In order to redeem an item stored as a Save to Google Pay Item with a participating merchant, you may be asked to:
(i) permit the merchant to read the redeemable Save to Google Pay Item off the screen of the mobile device;
(ii) use Google Pay to redeem the Save to Google Pay Item in conjunction with a payment transaction; or
(iii) provide the promotion code or other code associated with the Save to Google Pay Item to the participating merchant upon such merchant's request.
By taking any of the foregoing actions, you authorize the information regarding the specific redeemable item stored as a Save to Google Pay Item to be transferred to the merchant for redemption. The redemption of the Save to Google Pay Item is processed by the merchant at its discretion, in accordance with the merchant's terms and conditions for that item, as applicable. If you have questions regarding redemption of a particular Save to Google Pay Item, please contact the merchant directly.
(c) Your purchases of Products and/or redemptions of Save to Google Pay Items are transactions between you as a Buyer and the merchant as the merchant, and not with GPC or any Google affiliates. GPC is not a party to your purchase of Products or redemption of Save to Google Pay Items.
Save to Google Pay Items and Save to Google Pay are intended for display, storage, and/or redemption of Offers, rewards, Loyalty Programs, closed loop gift cards, and other services such as viewing of loyalty points, manual and automatic gift card balance displays for users who have added a gift card, and status updates on an Android device. The Save to Google Pay API and Save to Google Pay feature are not intended for the storage of payment cards or open loop gift cards, which are prepaid gift cards with network logos on the back of the card that can be used at most merchant locations.
(a) By saving Save to Google Pay Items into your Google Account, you agree you are providing your prior express consent to receive communications from a third party merchant directly to you through Google Pay. Google does not create or control the content sent by the merchant to you. You may remove the Save to Google Pay Items from Google Pay at any time to stop receiving merchant communications through Google Pay. Removal of a particular Save to Google Pay Item will remove all communications sent by that merchant to you through Google Pay, but will not discontinue your Loyalty Program with that merchant or discontinue your communications from that merchant to you outside of Google Pay. To discontinue a Loyalty Program completely, you must contact the specific merchant directly.
(b) GPC does not guarantee the security of a third party merchant's Offers, rewards, Loyalty Program or gift card program, and does not guarantee that the merchant's systems will be error free, or that merchant systems will honor all Offers, rewards, and loyalty points, gift cards, or other stored or any stored items. GPC is not liable for errors or omissions from the merchant in the enrollment or administration of their Loyalty Programs, or in the purchase and redemption of closed loop gift cards, and is not liable for any third party merchant's security breaches that arise due to omissions or commissions within the merchant's systems or processes. GPC is also not liable to you for merchants who do not honor the value of a closed loop gift card, reward, Loyalty, or other redeemable item.
(c) You may add personal or other images to a Save to Google Pay Item using your device camera. Please use reasonable care and common sense in what you scan and store as images. GPC is not liable for user-added images to Save to Google Pay Items, including images which contain personally-identifiable or other sensitive information. GPC is not liable for errors resulting from scanning or storing of an image. Adding images that are unlawful, offensive, harmful, or otherwise objectionable may result in the suspension of your access to Google Pay, in GPC's sole discretion.
(d) Through Google Pay, a merchant may display as part of the Save to Google Pay feature the balances of gift cards, loyalty points, or other balances, to users who store such items into Google Pay. GPC is not liable for any errors or interruptions in the display of gift card or other balances or updates which are offered as a convenience to you, and GPC is not liable for any errors or interruptions in your use of Save to Google Pay.
(e) GPC may at any time choose to suspend indefinitely or terminate Save to Google Pay for any purpose.