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Underlying Payment Provider",[268,397,398],{},"Zapper transactions are currently facilitated through:",[310,400,401],{},[313,402,403],{},[271,404,201],{},[268,406,407],{},"By enabling or using Zapper, the Merchant acknowledges that transactions are also subject to the operational rules, technical requirements and end-user terms imposed by Zapper.",[268,409,410],{},"The Merchant agrees to comply with the applicable Zapper legal documentation available at:",[310,412,413],{},[313,414,415,418],{},[271,416,417],{},"Zapper Legal Documents",[297,419,420],{"href":420,"rel":421},"https:\u002F\u002Fwww.zapper.com\u002Flegal\u002F",[422],"nofollow",[268,424,425],{},"Kwik relies on Zapper's own licensing and compliance with Applicable Law and does not independently verify or guarantee that compliance.",[268,427,428],{},"Kwik may suspend, replace or discontinue support for Zapper where reasonably necessary for operational, regulatory or commercial reasons.",[282,430],{},[285,432,434],{"id":433},"_4-availability","4. 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QR Codes",[268,488,489],{},"Kwik may generate:",[310,491,492,495,498,501,504],{},[313,493,494],{},"static QR Codes;",[313,496,497],{},"dynamic QR Codes;",[313,499,500],{},"reusable payment QR Codes;",[313,502,503],{},"transaction-specific QR Codes; or",[313,505,506],{},"other supported QR payment formats.",[268,508,509],{},"The Merchant shall:",[310,511,512,515,518,521,524],{},[313,513,514],{},"ensure QR Codes are displayed accurately;",[313,516,517],{},"prevent unauthorised modification of QR Codes;",[313,519,520],{},"protect QR Codes from tampering where reasonably possible;",[313,522,523],{},"verify that QR Codes relate to the correct Merchant Account; and",[313,525,526],{},"immediately notify Kwik if a QR Code is suspected of being compromised.",[282,528],{},[285,530,532],{"id":531},"_6-customer-authorisation","6. Customer Authorisation",[268,534,535],{},"Customers authorise Zapper transactions directly within the Zapper application or another supported payment application.",[268,537,538],{},"Kwik does not:",[310,540,541,544,547,550,553],{},[313,542,543],{},"authenticate Customers on behalf of Zapper;",[313,545,546],{},"control the operation of the Zapper application;",[313,548,549],{},"manage Customer wallet credentials;",[313,551,552],{},"determine authentication outcomes; or",[313,554,555],{},"control Customer devices.",[282,557],{},[285,559,561],{"id":560},"_7-merchant-responsibilities","7. Merchant Responsibilities",[268,563,509],{},[310,565,566,569,572,575,578,581,584,587],{},[313,567,568],{},"provide accurate payment information;",[313,570,571],{},"accurately describe the goods or services being purchased;",[313,573,574],{},"fulfil customer orders promptly;",[313,576,577],{},"provide appropriate customer support;",[313,579,580],{},"comply with Applicable Law;",[313,582,583],{},"comply with the Merchant Agreement;",[313,585,586],{},"comply with this Policy; and",[313,588,589],{},"comply with the operational requirements of Zapper.",[268,591,592],{},"The Merchant shall not:",[310,594,595,598,601,604,607],{},[313,596,597],{},"interfere with the Zapper payment flow;",[313,599,600],{},"manipulate QR Code values after presentation to the Customer;",[313,602,603],{},"misrepresent Zapper functionality;",[313,605,606],{},"attempt to bypass Zapper security controls; or",[313,608,609],{},"use Zapper for unlawful purposes.",[282,611],{},[285,613,615],{"id":614},"_8-settlement","8. Settlement",[268,617,618],{},"Settlement timeframes depend upon:",[310,620,621,624,627,630,633,636],{},[313,622,623],{},"Zapper;",[313,625,626],{},"banking operating hours;",[313,628,629],{},"weekends and public holidays;",[313,631,632],{},"operational processing windows;",[313,634,635],{},"payment verification processes; and",[313,637,477],{},[268,639,640],{},"Settlement estimates published by Kwik are indicative only and do not constitute a guarantee.",[282,642],{},[285,644,646],{"id":645},"_9-refunds","9. Refunds",[268,648,649,650,299],{},"Refunds are governed by the ",[297,651,351],{"href":242},[268,653,654],{},"Where supported:",[310,656,657,660,663,666],{},[313,658,659],{},"refunds must comply with Zapper's operational requirements;",[313,661,662],{},"refunds remain subject to Applicable Law;",[313,664,665],{},"refunds may only be processed by authorised users; and",[313,667,668],{},"refunds may only be processed to the original payment source where required.",[282,670],{},[285,672,674],{"id":673},"_10-disputes","10. Disputes",[268,676,677],{},"Disputes relating to Zapper transactions may be subject to Zapper's operational rules.",[268,679,680],{},"The Merchant remains responsible for:",[310,682,683,686,689,692,695],{},[313,684,685],{},"customer communications;",[313,687,688],{},"product fulfilment;",[313,690,691],{},"supporting evidence;",[313,693,694],{},"refund obligations; and",[313,696,697],{},"resolving Customer disputes.",[268,699,700],{},"Where Zapper requires information relating to a dispute, the Merchant shall promptly provide all requested documentation.",[282,702],{},[285,704,706],{"id":705},"_11-third-party-rules","11. Third-Party Rules",[268,708,709],{},"Zapper transactions are subject to:",[310,711,712,718,721,724,727],{},[313,713,714,715,717],{},"the ",[297,716,158],{"href":159},";",[313,719,720],{},"this Policy;",[313,722,723],{},"the operational rules of Zapper;",[313,725,726],{},"applicable banking requirements; and",[313,728,729],{},"Applicable Law.",[268,731,732],{},"Where Zapper's operational requirements are more restrictive than this Policy, those requirements shall prevail to the extent necessary to process the transaction.",[282,734],{},[285,736,738],{"id":737},"_12-suspension","12. Suspension",[268,740,741],{},"Kwik may suspend Zapper immediately where:",[310,743,744,747,750,753,756,759,762],{},[313,745,746],{},"required by Zapper;",[313,748,749],{},"required by Applicable Law;",[313,751,752],{},"fraud is suspected;",[313,754,755],{},"suspicious activity is identified;",[313,757,758],{},"excessive disputes occur;",[313,760,761],{},"continued processing presents an unacceptable operational, financial or regulatory risk; or",[313,763,764],{},"the Merchant breaches this Policy or the Merchant Agreement.",[268,766,767],{},"Suspension of Zapper does not automatically suspend other payment methods.",[282,769],{},[285,771,773],{"id":772},"_13-limitation-of-liability","13. Limitation of Liability",[268,775,776],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[310,778,779,782,785,788,791,794,797,800,803],{},[313,780,781],{},"Zapper service interruptions;",[313,783,784],{},"QR Code scanning failures;",[313,786,787],{},"Customer device failures;",[313,789,790],{},"network connectivity issues;",[313,792,793],{},"payment application failures;",[313,795,796],{},"delays caused by Zapper;",[313,798,799],{},"Customer authentication failures;",[313,801,802],{},"banking delays; or",[313,804,805],{},"transaction failures outside Kwik's reasonable control.",[282,807],{},[285,809,811],{"id":810},"_14-changes","14. Changes",[268,813,814],{},"Kwik may amend this Policy from time to time to reflect:",[310,816,817,820,823,826,829,832],{},[313,818,819],{},"changes to Zapper's operational requirements;",[313,821,822],{},"regulatory developments;",[313,824,825],{},"operational improvements;",[313,827,828],{},"security enhancements;",[313,830,831],{},"technological developments; or",[313,833,834],{},"industry best practices.",[268,836,837],{},"The latest version of this Policy will always be available at:",[268,839,840],{},[271,841,202],{},[268,843,844],{},"Continued use of Zapper after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":846,"searchDepth":847,"depth":848,"links":849},"",1,2,[850,851,852,853,854,855,856,857,858,859,860,861,862,863],{"id":287,"depth":848,"text":288},{"id":356,"depth":848,"text":357},{"id":394,"depth":848,"text":395},{"id":433,"depth":848,"text":434},{"id":485,"depth":848,"text":486},{"id":531,"depth":848,"text":532},{"id":560,"depth":848,"text":561},{"id":614,"depth":848,"text":615},{"id":645,"depth":848,"text":646},{"id":673,"depth":848,"text":674},{"id":705,"depth":848,"text":706},{"id":737,"depth":848,"text":738},{"id":772,"depth":848,"text":773},{"id":810,"depth":848,"text":811},"Version: 1.2","md",null,{},true,{"description":864},"cBxmURaq1aQWxHF4relUMEvlX-zzX5sanxQsQiXR-vU",[872,873],{"title":197,"path":198,"stem":199,"description":864,"children":-1},{"title":205,"path":206,"stem":207,"description":864,"children":-1},1783493461644]