App Terms and Conditions

Please read carefully before using the App.

These App Terms of Use (“App Terms”) are a legal agreement between you (referenced herein as “you” or “your”) and WiPay (referenced herein as “WiPay”, “we”, “our” or “us”) and govern your use of WiPay’s services, as described below.

For the purpose of these terms and conditions, ‘app’ shall refer to the Colour mobile application which provides a mobile point of access to a WiPay account (WiPay account) operated by WiPay and branded as “Colour” or "Account". While there may be different functionality and features between your WiPay and Colour accounts, your Colour account identifying details (such as account number) shall be the same as the associated WiPay account in the jurisdiction in which you are domiciled. References to ‘Colour Mobile App’ or ‘Colour App’ in any communication, agreement, marketing material or other documentation shall mean this app aforesaid.

Before you use the app

By utilising any version of the app, you agree to accept these terms and conditions. You can find out more on our page at About | COLOUR App | Caribbean (wipaycaribbean.com).

To perform certain actions in the app, you might be asked to read and accept additional terms and conditions that relate to the activity that you are attempting.

Part A – Using the app

About the app:
You can use the app to

View and manage your Colour account and related services in one place
Request a Colour Debit and/or Virtual Card (if supported in your jurisdiction)
Make and receive payments (including international payments) and move money between your accounts
Provide payment and other instructions on your account, including setting controls on your cards
Accept card payments from third parties
Create a Colour account
Generate a click to pay invoice directly from your phone with a payment button
Generate a unique QR code from within the app capable of accepting card payments once scanned
Accept card payments by tapping on the user's phone (if supported in your jurisdiction). This feature only works with Android-based devices and has set limits that will be shown in your app
Transfer money between your Colour Card and Colour Account and vice versa.
View your Colour card balance
Lock your Colour Card if lost or stolen and/or when not in use
Cancel your Colour card and purchase/order a new card
WiLoan - Request a Loan from within the app (if supported in your jurisdiction)

Access partner services in a virtual shopping space for goods and servicesCertain features may be activated or disabled within the app based on jurisdiction from time to time with or without prior notice to you.

Who can use the app?

You must be aged 18 or over and have and operate a Colour account and you must utilise the version of the app approved for use in the territory of your domicile.

If we need to, we can deny your registration for the app and/or limit how you use it.

What does it cost?

Use of the Colour app isfree.
Certain transactions that you undertake may incur transaction and/or processing fees, including third party fees.
Your internet or network service provider may also charge you for using data on your smartphone or tablet.

Conditions for using the app

Using the app in the right way

You may only use the app for authorised purposes as indicated in these terms and conditions. You must ensure that you obey any laws that apply to you in relation to your use of the app.

Information about you

Keeping us informed

If your account details or any other significant information about you changes, tell us straight away by emailing us or otherwise contacting the support team in your jurisdiction using the contact channels on our website.

How you must protect your money and information

The app gives you access to your account, so you need to make sure you do not allow anyone to log into your account through the app
Always keep your phone, tablet or other device secure and close the app if you’re not using it. Do not let anyone see your PIN, password, login or other security details if you are viewing it on your app
In the event of a breach, we are not liable to reimburse you if someone tampers with your account because they knew or were able to access your account detail
App Push Notifications include your transaction details, which may appear on the lock screen of your mobile device unless you change its settings
Some devices allow you to use your fingerprint or Face ID for logging into the app. If you enable this feature, then anyone whose fingerprint or Face ID is registered on your phone or tablet may be able to log into the app and access your accounts. Therefore, you must not activate this feature if you allow other people to access your phone or tablet using their fingerprint or Face ID. You should delete any other fingerprints or Face ID registered on the device first; otherwise, transactions made by anyone else who has their fingerprint or Face ID registered on the device will be treated as being authorised by you
Do not install or use the app on a jail-broken or rooted device. These may have had their security features changed in order to work, which makes them less secure, and means that fraudsters could access your phone or tablet and steal your information or money
For security purposes, always use the latest version of the app available

If someone wants to know your security details

We won’t ever phone you or send you an email asking for your security details. Nor will we ever ask anybody to do this for us. If anyone contacts you asking for your security details, they may be a fraudster. Tell us immediately by calling or emailing the WiPay team in your jurisdiction.

How we use cookies

The app uses cookies and similar technologies when you first register, and to verify your identity when you are using the app. By using the app, you accept how and when we use cookies – as set out below
Cookies also help us improve how the app works. We use cookies to collect information about how you use the app, for example which services you access and use most often and if you receive any error messages. We can make the app better and be sure that the products and services we offer are right for you and other people. We may also use the cookies to help us provide more meaningful and relevant communications to you and to see if our ads are working – for example, we can check if you downloaded our app in response to an ad
We need these cookies for the app to work – if you do not want them, you will have to delete the app

How the app accesses information about you

If you use certain features the app will need to access information on your phone or tablet to work. You can limit this for some features, for example by turning off location settings on your phone
If you enable push notifications in your device settings, we will send you notifications in accordance with the applicable OS (iOS/Android) End User Licence Agreement
If we can, we will ask you before the app accesses your device or information – and you can decline
You can manage how the app accesses your device or information using privacy settings on your iPhone or iPad, or by uninstalling the app (for Android). You can also do it through the usage settings in the app’s menu
If you do not do this, we’ll assume you agree that the app can access your device or information
When you use any part of the app which needs your location to work, you agree that we (and other organisations that work with us) can collect and use information about your location
We utilise in-app tracking on your mobile device for certain purposes that include the collection and recording of crash analytics, on screen behaviour and retention
Note also that as part of the app usage, you may be redirected to certain third-party service providers, including MetaMap’s identity verification platform. Information collected by us through the app may also be transmitted and shared with such third-party service providers

What else you need to know

Changes to the app and our terms and conditions

If we need to change anything about the app, we will tell you about the change in advance (if it negatively affects how you use the app) or we will tell you after we make the change (if it benefits you or doesn’t affect how you use the app). If there’s anything we need you to agree we might ask you to read and accept a message on your screen to continue using the app
From time to time, we may update the app through the App store/ Play store. Depending on what the update is, you may not be able to use the app until you’ve installed the latest version and accepted the new information about it. We will let you know via your phone or tablet when there’s a new version to upload.
Make sure any device you use to access the app complies with the standards and requirements we tell you about from time to time.

Contacting you

From time to time, we may contact you about the app by email, text or other messages on the app, or by telephone or post
We may still sometimes send communications by post, for example, notices about a breach of your agreement. This may be instead of, or in addition to, communications by electronic means
It is important that you keep us updated with any changes to your contact details
Please remember that you are responsible for checking and verifying the activity on your account
Following a period of inactivity, we may remove your access to a digital servicing channel in order to protect your account information. If this happens, you simply need to re-register for access when you are ready
We recommend that you download or export a copy of your account transactions by logging into your WiPay account if your account is closing for any reason or at any time, in case you need these for future reference

If things go wrong

If something goes wrong and it is our fault, we will make good your loss. The terms of your account provide the extent of our respective liabilities. You can access the terms of your WiPay account, on the WiPay website in your jurisdiction.

There are some things that we are not responsible for because, for example, they are out of our control or they relate to how your phone or tablet works. We are not responsible if you suffer losses because

You can't access the app for any reason or it is slow
Any device, hardware or software you use with the app is damaged or corrupted or doesn’t work
The app doesn’t work as you expect, doesn’t meet your requirements or contains errors or defects or we do not correct these
You do not receive a text or message in the app in time
We are prevented from providing any service in part or in full because of something a third party does
A control applied to your Colour card (if you have enabled same) does not prevent a properly authorised payment, in the circumstances explained to you before you applied the control.
You do not update the app when prompted or when notified that there is a new version available.

Part B – Paying another Colour app user

You will need to read and accept these terms and conditions to send or receive mobile payments using the app. In some jurisdictions you can use the app to make payments (known as ‘peer to peer’ payments to another app user.

Some things you need to know

There is no charge to make or receive mobile payments, but your mobile service provider might charge you for using data.

The recipient will receive a notification and SMS to confirm the payment. They’ll also be able to see your name, payment reference, and payment amount
Payment limits apply – you can check these on our website (or in the app)
We might refuse to process a payment for reasons set out in the general terms
You need to tell us if you change your mobile number or account details so that we can continue to process payments correctly
The terms and conditions for using the app apply to this service, as do the general terms for your account
When using the Colour payments feature you will still be required to use your fingerprint or Facial recognition to authenticate the payment, so you will need to ensure this functionality is activated on your device

If a payment is made by mistake

You need to make sure you give us the right details so that we can ensure your payment goes to the right person
If you enter the wrong details, the payment might not go through or it might go to the wrong person. While we’re not held responsible for this, we’ll help you to try and get your money back. We explain this in more detail in the general terms
If someone pays you by mistake, you authorise us to take the money from your account and return it to them. You must tell us as soon as possible and return any money you suspect or know has been sent to you by mistake

Your information

WiPay is committed to protecting your personal data. We will use your information for a number of different purposes, for example, to manage your account(s), to provide our products and services to you and others and to meet our legal and regulatory obligations. We may also share your information with our trusted 3rd parties for these purposes. For more detailed information on how and why we use your information, including the rights in relation to your personal data, and our legal grounds for using it, you can request a copy from us.

What does it cost?

There are no additional charges for using peer to peer payment features, but your internet or network service provider might charge you for using data on your eligible contactless device.

Servie limits

We will place limits (which we can change anytime) on the amounts and number of payments that you can make using the Service. We will tell you the limits in the app.

Using your information

We will use your information as set out in the general terms for your Colour account. We may contact you from time to time about the Service, including upgrades, changes, marketing or other messages relating to the Service. We’ll do this electronically, for example, by email, SMS or other messages. We won’t send you marketing communications if you’ve previously advised us that you do not wish to receive these types of communications.

You can use the app to become a Colour customer. As part of the registration process we will ask you to share personal data with us, including your address history, a form of photographic identification and a verification video. We will share this data with our trusted third parties for the purposes of verifying the data you have provided so we are sure it’s you. If you can’t complete your application straightaway, we may hold your data for up to 180 days to give you time to continue your application from where you left off. After this, you will need to provide all your information again if you apply for an account. For more detailed information on how and why we use your information, including the rights in relation to your personal data, and our legal grounds for using it, you can review WiPay’s terms and conditions for your specific jurisdiction.

Other things you need to know

If you’re unhappy with something

If you're unhappy with the app or feel we have done something wrong, please contact us and give us the opportunity to investigate and resolve the matter. This also helps improve our service for all customers.

If you remain unhappy

If after we have investigated you remain unhappy, you may be able to contact the Financial Services Ombudsman or applicable authority in your jurisdiction.