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In conjunction with the rules of the iPASS Corporation, an adjustment has been made to the description for the autoload function of the iPASS Card. The iPASS Special Terms and Conditions have been amended, with the order of the original Articles being re-organized, and some provisions being amended. If you have any objections to these amendments, please notify E.SUN before the date that these amendments become effective to terminate your agreement. If you do not do so before this date, you shall be considered as having agreed to these amendments:
| Terms and conditions after amendment (Effective 2017.04.20) | Terms and conditions before amendment |
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Article 1 Terminology
I. iPASS Co-Branded Card: This refers to the chip cards issued by E.SUN Bank in collaboration with iPASS Corporation that may be used as both a credit card and an iPASS Card. iPASS Co-Branded cards have the same iPASS Card functions as a named iPASS Standard Card, allowing the cardholder to suspend the card and claim refunds if the card is lost.
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Article 1 Terminology
I. iPASS Co-Branded Card: This refers to the chip cards issued by E.SUN Bank in collaboration with iPASS Corporation that may be used as both a credit card and an iPASS Card. iPASS Co-Branded cards have the same iPASS Card functions as an iPASS Standard Card, and are considered named electronic stored-value iPASS Cards, allowing the cardholder to suspend the card and claim refunds if the card is lost.
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III. Autoload: This refers to the function allowing iPASS Co-branded Cardholders to automatically reload their iPASS Card balance through autoload machines when using the Co-Branded Card as an iPass card, pursuant to the agreement between the cardholder and E.SUN Bank. This function may be used when the card balance is insufficient to cover an expense, or when the card balance is below some specific amount, and the automatically reloaded amount must be within the cardholder’s credit limit. The amount available for automatic reload is equal to the amount that the cardholder is able to put on their credit card (without accounting for reward points or cash-backs). Any matters not covered in these Special Terms and Conditions shall be governed by the credit card terms and conditions.
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III. Autoload: This refers to the function allowing iPASS Co-branded Cardholders to automatically reload their iPASS Card balance, with this amount being put on their credit card, through the autoload machine when using the Co-Branded Card as an iPass card pursuant to the agreement between the cardholder and E.SUN Bank. This function may be used when the card balance is insufficient to cover an expense, or when the card balance is below some specific amount, and the automatically reloaded amount must be within the cardholder’s credit limit. The amount available for automatic reload is equal to the amount that the cardholder is able to put on their credit card (without accounting for reward points or cash-backs). Any matters not covered in these Special Terms and Conditions shall be governed by the credit card terms and conditions. |
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Article 2 Applying for and using the iPass card
I. Application method:
The applicant shall truthfully fill out all parts of the application form and submit this application to E.SUN Bank to apply for an iPass Co-Branded Card pursuant to E.SUN Bank’s rules. The cardholder is required to agree to E.SUN Bank providing their personal information to the iPASS Corporation when issuing the card, in order to complete iPASS Card registration procedures and to provide cardholder services.Should any of the personal information provided on the application form change, the cardholder should immediately notify E.SUN Bank of such changes, in order for iPASS registration information to be updated.
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Article 3 Applying for and using the iPass card
I. Application and use:
(I) The cardholder shall fill out all parts of the application form and submit this application to E.SUN Bank to apply for an iPass Co-Branded Card pursuant to E.SUN Bank’s rules. The cardholder is required to agree to E.SUN Bank providing their basic personal information to the iPASS Corporation when issuing the card, in order to complete iPASS Card registration procedures and to provide cardholder services. Should any of the personal information provided change, the cardholder should immediately notify E.SUN Bank of such changes pursuant to E.SUN Bank's rules, in order for iPASS registration information to be updated.
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II. Card instructions:
(I) The features and usage methods of the iPASS Card shall be provided by the iPASS Corporation. iPASS Card balances may be spent through the methods and features provided in the iPASS Electronic Stored-Value Card Standard Agreement published by the iPASS Corporation, or through the methods and features announced on the iPASS website the iPASS website (www.i-pass.com.tw)
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II. The features and usage methods of the iPASS Card shall be provided by the iPASS Corporation. iPASS Card balances may be spent through the methods and features provided in the iPASS Electronic Stored-Value Card Standard Agreement published by the iPASS Corporation, or through the methods and features announced on the iPASS Corporation website (www.i-pass.com.tw).
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| (III) Newly-issued iPASS Co-Branded Cards have their autoload function enabled by default, and are issued with a balance of zero. This also applies to iPASS Co-Branded Cards re-issued in the future, or issued as a replacement card. The cardholder is required to submit an application to E.SUN Bank should they wish to disable the autoload function. They may also do so by following the rules and instructions announced by the iPASS corporation. However, the autoload function may not be re-enabled once it has been disabled. The cardholder is required to apply for another iPASS Co-Branded Card from E.SUN Bank should they wish to resume using the iPASS and autoload function. | (III) Newly-issued iPASS Co-Branded Cards have their autoload function enabled by default, and are issued with an iPASS balance of zero. This also applies to iPASS Co-Branded Cards re-issued in the future, or issued as a replacement card. The cardholder is required to submit an application to E.SUN Bank should they wish to disable the autoload function. They may also do so by following the rules and instructions announced by the iPASS corporation. However, the autoload function may not be used once disabled, and the function may also not be re-enabled once it has been disabled. The cardholder is required to apply for another iPASS Co-Branded Card from E.SUN Bank should they wish to use the iPASS and autoload function again. |
| (IV) The cardholder agrees that E.SUN Bank may provide the iPASS Corporation with personal information such as their name, National ID number (or passport number), date of birth, phone number, and address in order for the iPASS Card to be approved and issued. The cardholder also agrees that the iPASS Corporation may use this personal information to facilitate the specific functions of the iPASS Co-Branded Card and to provide card-related services (such as registering a card as lost). The cardholder is entitled to exercise their rights pursuant to Article 3 of the Personal Data Protection Act. If the cardholder does not agree to allow the iPASS Corporation to use their personal information, the iPASS Co-Branded Card cannot be approved and issued, due to iPASS functions not being able to function correctly. | |
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III. iPASS Co-Branded Card top-up and limits
The iPASS Card does not require a deposit, and may be repeatedly topped up and used. The maximum card balance is as announced on the iPASS Corporation website (the current limit is NT$10,000). The cardholder may top-up iPASS Card balances using the following methods:
(I) Autoload: An iPASS Co-Branded Card with the autoload function enabled will automatically be topped up with the set autoload amount, or a multiple of this amount, from the cardholder's credit card through the connected autoload machine whenever the iPASS Card balance is insufficient to cover the current purchase, or whenever the card balance falls below a specific amount. Topping up card balances through autoload does not incur any service fees, and no receipt is generated. The autoload amount and limit shall be based on laws and regulations, and the rules established by the iPASS Corporation and E.SUN Bank.
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Article 4 iPASS Card top-up and limits
The iPASS Card may be repeatedly topped up and used. The maximum card balance is as announced on the iPASS Corporation website (the current limit is NT$10,000). The cardholder may top-up iPASS Card balances using the following methods:
Autoload: An iPASS Card will automatically be topped up with NT$200, or a multiple of this amount, from the cardholder's credit card through the connected autoload machine whenever the iPASS Card balance is insufficient to cover the current purchase, or whenever the card balance falls below a specific amount. Topping up card balances through autoload does not incur any service fees, and no receipt is generated. The autoload amount and limit shall be based on laws and regulations, and the rules established by the iPASS Corporation and E.SUN Bank. Refer to the iPASS Corporation website for a definitive explanation of how the autoload system works. Based on the current rules set by iPASS Corporation, the daily autoload limit is NT$1,000, including for autoload top-ups triggered at an MRT or TRA turnstile. Top-up machines not limited by this daily iPASS Co-Branded Card autoload limit include: Add-Value Machines (AVM) and iPASS machines installed by some designated organizations.
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| (II) Manual top-up: The cardholder may top-up iPASS Card balances with cash at iPASS Add-Value Machines (AVM) at locations designated by the iPASS Corporation, partnered organizations, public transport service locations, or other locations. Please refer to the information published on the iPASS Corporation website for more details on manual top-up locations and rules. | II. Manual top-up: The cardholder may top-up their iPASS balance with cash at designated iPASS service locations, the designated service locations of its associated partners, customer service locations at public transport stations, or other locations. The top-up amount must be in NT$100 increments. |
| (III) Other top-up methods: Please refer to the other methods provided in the iPASS Electronic Stored-Value Card Standard Agreement published by the iPASS Corporation, or information announced on the iPASS Corporation website. | III. Top-up at machines: The cardholder may top-up their iPASS balance with cash using add-value machines (AVM) installed by iPASS Corporation at designated locations (including but not limited to MRT stations). The top-up amount must be in NT$100 increments. |
| IV. Card expiry: The expiry date of the iPASS Card is the same as that of the Co-Branded Card. When the credit card expires, the card’s iPASS and autoload functions shall also be terminated. |
Article 2 iPASS expiration date
The expiry date of the iPASS Card is the same as that of the Co-Branded Card. When the iPASS Co-branded Card expires, the card’s iPASS function and autoload functions shall also be terminated.
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| V. The iPASS Card balance does not accrue interest, and cardholder rights and interests, the trust organization, and other related rights and interests are guaranteed by iPASS Corporation through a trust arrangement. |
Article 4
IV. The iPASS balance does not accrue interest. Apart from the reserve amount deposited pursuant to Article 18 of the Act Governing Issuance of Electronic Stored Value Cards, the remainder of the funds deposited into iPASS balances by cardholders has been handed over by the iPASS Corporation into a trust. Pursuant to Article 18, Paragraph 2 of the Act Governing Issuance of Electronic Stored Value Cards, when the iPASS Corporation hands over deposited iPASS balance into a trust under the custody of a trust organization, the beneficiary of the trust shall be the iPASS Corporation, and not the cardholders. As the trust organization is managing and disposing of trust assets on behalf of iPASS Corporation and not the cardholders, the cardholder may only request that the issuing organization or the trust organization provide a copy of the trust agreement. A cardholder shall have priority over other creditors and shareholders of the issuing organization for repayment of debt incurred by the iPASS service with respect to the trust assets under the custody of the trust organization described in the above paragraph.
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| VI. Non-transferability of iPASS Card balance: When the iPASS Card is replaced/re-issued, the iPASS Card balance can not be transferred into the new card, or another different card. The remaining iPASS Card balance can only be credited to the cardholder’s credit card account, and used to offset the cardholder’s credit card bills. |
Article 4
V. Non-transferability of iPASS Card balance: When the iPASS Card is replaced or re-issued, the iPASS Card balance can not be transferred into the new card, or another different card. The remaining iPASS Card balance can only be credited to the cardholder’s credit card account, and used to offset the cardholder’s credit card bills.
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| VII. The cardholder may not alter or allow others to alter any part of the iPASS Co-Branded Card, including but not limited to removing the iPASS Co-Branded Card chip or antenna, or modify or tamper with the software or data stored inside the iPASS Co-Branded Card. E.SUN Bank and iPASS Corporation are entitled to claim compensation from the cardholder related to any costs, expenses, losses or damages to E.SUN Bank or iPASS Corporation that are attributable to the cardholder's violation of the above agreement terms and conditions. |
Article 3
III. The cardholder may not alter or allow others to alter any part of the iPASS Co-Branded Card, including but not limited to removing the iPASS Co-Branded Card chip or antenna, or modify or tamper with the software or data stored inside the iPASS Co-Branded Card.E.SUN Bank and iPASS Corporation are entitled to claim compensation from the cardholder for any costs, expenses, losses or damages to E.SUN Bank or iPASS Corporation that are attributable to the cardholder's violation of the above agreement terms and conditions.
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| VIII. If the iPASS Co-Branded Card cardholder fails to notify E.SUN Bank of any changes to the email, contact address or contact information specified in the application form, E.SUN Bank and the iPASS Corporation shall continue delivering future correspondence to the cardholder's last known address. Once E.SUN Bank or the iPASS Corporation has delivered business correspondence documents or required notifications to the cardholder's last known contact address or to the address specified in the application form, these documents and notifications shall be considered as legally received after the standard delivery time has elapsed. |
Article 3
IV. If the iPASS Co-Branded Card holder fails to notify E.SUN Bank of any changes to the contact address or contact information specified in the application form, E.SUN Bank and the iPASS Corporation shall continue delivering future correspondence to the cardholder's last known contact address, or the address specified on the application form. Once E.SUN Bank or iPASS Corporation have sent their business correspondence or required notifications to the cardholder's last known contact address or to the address specified in the application form, they will be deemed as duly received after the usual time of delivery has elapsed.
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Article 3 Misplacement, theft, damage, or loss of the iPASS Co-Branded Card
II. If the iPASS Co-Branded Card has been misplaced, stolen or in any way lost (collectively referred to as "lost"), the cardholder must notify E.SUN Bank or its designated agents as quickly as possible to have the credit card suspended. Unless provided otherwise in the agreement, the cardholder shall pay E.SUN Bank a loss and replacement fee of NT$200. Please refer to E.SUN Bank’s credit card terms and conditions for details on cardholders' rights and obligations in the event that the card is lost. E.SUN Bank shall notify iPASS Corporation to also register the iPASS Card as lost.
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Article 5 Misplacement, theft, damage, or loss of the iPASS Co-Branded Card
II. If the iPASS Co-Branded Card has been misplaced, stolen or in any way lost (collectively referred to as "lost"), the cardholder must notify E.SUN Bank or its designated agents as quickly as possible to have the credit card suspended. Unless provided otherwise in the agreement, the cardholder shall pay E.SUN Bank a loss and replacement fee of NT$200. Please refer to E.SUN Bank’s credit card terms and conditions for details on cardholders' rights and obligations in the event that the card is lost. E.SUN Bank shall notify iPASS Corporation to also register the iPASS Card as lost. Should E.SUN Bank or the iPASS Corporation deem it necessary, they shall notify the cardholder within ten days of the latter reporting loss of the iPASS Co-Branded Card that the cardholder is required to file a report with the local police authorities, or submit a supplementary written notice to E.SUN Bank or iPASS Corporation within three days of receiving the notice. Should the cardholder fail to furnish the documents requested by E.SUN Bank or the iPASS Corporation after reporting a card as lost, refuse to assist in an investigation, fail to file a police report, or otherwise fails to act in good faith, they shall be held solely liable for all losses arising from their iPASS Co-Branded Card being misused by others.
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Article 4 Issue of replacement or new iPASS Co-Branded Cards in the event that the card has been lost, destroyed, or has expired
I. Following an application from the cardholder, E.SUN Bank shall issue a new iPASS Co-Branded Card with a balance of zero to the cardholder in the event that an iPASS Co-Branded Card has been lost. If the iPASS Co-Branded Card had been lost due to the fault of the iPASS Corporation or E.SUN Bank, the cardholder shall not be charged a replacement fee.
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Article 6 Issue of replacement or new iPASS Co-Branded Cards in the event that the card has been lost, destroyed, or has expired
I. Following an application from the cardholder to re-issue a card after their original card has been reported lost, E.SUN Bank shall issue a new iPASS Co-Branded Card with a balance of zero to the cardholder in the event that an iPASS Co-Branded Card has been lost. If the iPASS Co-Branded Card had been lost due to the fault of the iPASS Corporation or E.SUN Bank, the cardholder shall not be charged a replacement fee.
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| II. The cardholder may apply for a new card from E.SUN Bank should their iPASS Co-Branded Card become contaminated, had its chip degaussed, scratched, damaged, malfunction, or otherwise become unusable. The autoload and iPASS functions of the old card shall be terminated when this happens. | II. The cardholder may apply for a new card from E.SUN Bank should their iPASS Co-Branded Card become contaminated, had its chip degaussed, scratched, damaged, malfunction, or otherwise become unusable. The autoload and iPASS functions of the old card shall be terminated when this happens. In which case, the cardholder shall maintain the card with its chip intact and send it back to E.SUN Bank through registered mail. |
| IV. The new replacement card shall have an iPASS balance of zero. The old card’s iPASS balance will be credited to the cardholder's credit card account within forty working days of the iPASS Corporation receiving the notification from E.SUN Bank. This credit can be used to offset the cardholder’s credit card bill. However, if the iPASS Card balance is negative, the cardholder shall agree to treat this negative balance as an ordinary purchase expense, and have it deducted from their credit card account. |
IV. The new replacement card shall have an iPASS balance of zero. The old card’s iPASS balance will be credited into the cardholder's credit card account within forty working days of E.SUN Bank receiving the card. This credit can be used to offset the cardholder’s credit card bills. However, if the iPASS Card balance is negative, the cardholder shall agree to treat this negative balance as an ordinary purchase expense, and have it deducted from their credit card account. |
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Article 5 iPASS Card suspension and procedures for handling iPASS Card balance
Should the cardholder apply to suspend iPASS functions during the effective period of the iPASS Co-Branded Card, the cardholder may apply for their iPASS Card balance to be refunded through the methods described below. Once the card has been suspended and the balance returned, iPASS functions and the autoload function shall be terminated:
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Article 7 Applying to suspend iPASS Card and procedures for handling iPASS Card balance
Should iPASS Card functions be suspended due to a replacement iPASS Co-branded Card being issued, or the iPASS Card expiring or being suspended, the autoload function shall also be suspended. The cardholder may request a full refund of their remaining iPASS balance through one of the following channels:
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| I. The cardholder may apply for a refund in person at a iPASS Corporation service location or some other location designated by the iPASS Corporation. They are required to bring along their iPASS Co-Branded Card and their personal ID documents. The iPASS balance will be refunded in cash, and the credit card functions of the card shall still remain effective. | I. The cardholder may apply for a refund in person at an iPASS Corporation service location or some other location designated by the iPASS Corporation. They are required to bring along their iPASS Co-Branded Card and their personal ID documents. The original iPASS Card shall be returned to the cardholder after refund procedures are complete. The iPASS balance will be refunded in cash, and the credit card functions of the card shall still remain effective. |
| II. Send the intact card back to E.SUN Bank via registered mail, and E.SUN Bank will process a balance transfer. |
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| II. The cardholder may submit an application to E.SUN Bank to suspend the iPASS Co-Branded Card and transfer the remaining card balance. The old card’s iPASS balance will be credited to the cardholder's credit card account within forty working days of the iPASS Corporation receiving the notification from E.SUN Bank. This credit can be used to offset the cardholder’s credit card bill. However, if the iPASS Card balance is negative, the cardholder shall agree to treat this negative balance as an ordinary purchase expense, and have it deducted from their credit card account. |
III. The old card’s iPASS balance will be credited into the cardholder's credit card account within forty working days of E.SUN Bank receiving the card. This credit can be used to offset the cardholder’s credit card bills. However, if the iPASS Card balance is negative, the cardholder shall agree to treat this negative balance as an ordinary purchase expense, and have it deducted from their credit card account. |
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Article 6 Procedures for transaction records and card balance queries
I. The cardholder may use a iPASS Card inquiry terminal or approach the customer service office of an MRT station to check the iPASS balance and see a record of the last six transactions. This information can also be looked up on the iPASS Corporation website (www.i-pass.com.tw). For any questions related to an iPASS Card transaction, please contact iPASS customer service at the telephone number: 07-791-2000.
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Article 8 Procedures for transaction records and card balance queries
I. In order to check the iPASS balance, the cardholder may use an iPASS Card inquiry terminal or approach the customer service office of an MRT station to check the iPASS balance and see a record of the last six transactions. This information can also be looked up directly on the iPASS Corporation website (www.i-pass.com.tw). For any questions related to an iPASS Card transaction, please contact iPASS customer service at the telephone number: 07-791-2000, address: 4F, No. 1, Zhong’an Road, Qianzhen District, Kaohsiung City.
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| III. Should the cardholder have any queries regarding the above transaction history or balance, the cardholder may notify E.SUN Bank and request that the Bank verify if transactions are valid before the payment deadline for that period, providing E.SUN Bank with the required documents. |
III. Should the cardholder have any queries regarding the above transaction history or balance, the cardholder may notify E.SUN Bank and request that the Bank verify if transactions are valid before the payment deadline for that period by submitting a formal declaration to E.SUN Bank, along with any documents required by the Bank. |
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Article 9 iPASS discount
The iPASS Co-Branded Card has the same functions as an iPASS Standard Card, and cardholders may enjoy the same iPASS discounts offered by iPASS Corporation to iPASS Standard Card cardholders. Any changes to these discounts shall be handled pursuant to iPASS Corporation rules.
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| Article 7 Termination events | Article 10 Termination events |
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Article 8 Collection of fees
Any service fees or other charges that the cardholder is liable for pursuant to these Special Terms and Conditions shall be included on the cardholder’s credit card bill. The iPASS Card balance transferred by E.SUN Bank into the cardholder’s credit card account shall be first used to make payment for the cardholder’s credit card bill. Any funds leftover after the bill has been settled shall be handled pursuant to E.SUN Bank’s overpayment rules. However, should the cardholder independently submit a request to the iPASS Corporation to look up their transaction records, the iPASS Corporation shall collect a service fee from the cardholder, or deduct this service fee from their iPASS balance. Service fees shall be processed pursuant to the iPASS Electronic Stored-Value Card Standard Agreement published by the iPASS Corporation. The cardholder may use the automated service machines provided by the iPASS Corporation to check their past six transaction records and card balance for free.
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Article 11 Collection of fees
Any service fees or other charges that the cardholder is liable for pursuant to these Special Terms and Conditions shall be included on the cardholder’s credit card bill. The iPASS Card balance transferred by E.SUN Bank into the cardholder’s credit card account shall be first used to make payment for the cardholder’s credit card bill. Any funds leftover after the bill has been settled shall be handled pursuant to E.SUN Bank’s overpayment rules. However, charges for the following services provided by iPASS Corporation at the cardholder's request shall be separately collected by iPASS Corporation from the cardholder, or directly deducted from the cardholder's iPASS balance: I. Transaction inquiry charges: The cardholder may look up their card balance and a record of their last six iPASS transactions for free using the automated service machines provided by iPASS Corporation, and the cardholder may also request iPASS Corporation provide a paper document listing their full transaction details for the past 5 years, subject to a fee of NT$20 for the first page and NT$5 for every following page. (Example #1: Cardholder requests their iPASS transaction history in writing for the period from August 1 to August 5. After being printed out, these transaction details were one page in length, and the cardholder was charged NT$20. Example #2: Cardholder requests their iPASS transaction history in writing for the period from August 1 to December 25. After being printed out, these transaction details were three pages in length, and the cardholder was charged NT$20 for the first page, NT$5 for the second page, and NT$5 for the third pages, resulting in a total charge of NT$30.
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| Article 9 Amendments to these Terms and Conditions and Miscellaneous Provisions | Article 12 Amendments to these Terms and Conditions and Miscellaneous Provisions |
