These Apple Pay Terms & Conditions (“Apple Pay Terms”) govern the use of a River-linked Spend Card with Apple Pay.

By adding or using a Spend Card with Apple Pay, you agree to these Apple Pay Terms, River Limited’s legal policies, and Apple’s applicable terms and conditions.

1. Apple Pay Service

Apple Pay is a digital wallet service provided by Apple Inc.
River Limited does not operate, control, or manage Apple Pay.

Use of Apple Pay is subject to Apple’s own terms, privacy practices, and technical requirements.

2. Eligibility and Availability

Apple Pay availability depends on:

• Device compatibility

• Operating system requirements

• Regional availability

• Approval by Apple and the Issuing Partner

River Limited does not guarantee Apple Pay support in all jurisdictions.

3. Tokenization and Security

When you add a Spend Card to Apple Pay:

• Card details are tokenized by Apple

• Actual card numbers are not stored on your device

• River Limited does not store or access full card credentials

Apple Pay transactions use secure authentication methods such as Face ID, Touch ID, or device passcodes.

4. Transactions and Authorizations

All Apple Pay transactions are:

• Processed through Apple, card networks, and the Issuing Partner

• Subject to merchant acceptance and authorization rules

River Limited does not control transaction outcomes.

5. Suspension or Removal

Apple or the Issuing Partner may:

• Suspend Apple Pay access

• Remove cards from Apple Pay

• Restrict usage

This may occur without notice for security, compliance, or operational reasons.

6. Disclaimer and Liability

River Limited shall not be liable for losses arising from:

• Apple Pay outages or failures

• Device malfunction

• Merchant disputes

• Apple systems or policies

7. Governing Law

These Apple Pay Terms shall be governed by the laws of the Hong Kong Special Administrative Region.