Applicable to Physical Cards. The Physical Card expires at the end of the month indicated on the Physical Card. Cardholders must not use their Physical Card if it has expired. If anything is charged to a Cardholder Account after the Physical Card has expired, the Customer is still responsible for and must pay the Debt on such Physical Card. A reissued Physical Card will be issued before the expiration date indicated on the Physical Card. Reissued and replacement Physical Cards will continue to be sent to a Cardholder at the most current business address Royal Bank has on file for such Cardholder and in this way until the Customer advises Royal Bank to stop, provided the Cardholder Account is active and in good standing.
Applicable to Physical Cards. If (i) a Physical Card is lost, stolen or has never been received by the Cardholder after it has been requested by the Customer or the Cardholder, (ii) the Cardholder suspects that their Physical Card is missing, or (iii) the Cardholder suspects that someone else may know their Personal Authentication Information or other Security Devices, the Cardholder must inform Royal Bank immediately. If a Program Administrator or the Cardholder suspects that the Physical Card or the Physical Card Information is being used by a Person other than the Cardholder, the Program Administrator or the Cardholder must inform Royal Bank immediately. Once any of the above events have been reported to Royal Bank, Royal Bank will be able to prevent the use of the Physical Card, Physical Card Information and Personal Authentication Information, and the Customer will not be liable for any unauthorized use following the receipt of such report. Also, if Royal Bank suspects unauthorized or fraudulent use of a Physical Card or the associated Physical Card Information, Royal Bank may block the Physical Card and prevent the use of the associated Physical Card Information without prior notice to the Cardholder.
Applicable to Physical Cards. A Physical Card can only be used by the Cardholder in whose name it has been issued and should only be used for an Eligible Purpose including (a) making Purchases, whether the Cardholder buys in person, over the phone, using the Internet or by mail order; and (b) making cash withdrawals from the Cardholder Account, which constitute Cash Advances, at one of Royal Bank’s branches, at another financial institution or at an ATM. The Customer may impose restrictions on all aspects of the use of a Physical Card, including usage restriction to selected merchants based on Merchant Category Code Groups and adjustments to a Cardholder Account Credit Limit, so long as such restrictions comply with these Commercial Card Program Service Materials and Applicable Law. If the Customer wishes to either prevent or restrict usage of Physical Cards to selected merchants based on Merchant Category Codes, the Customer acknowledges that (a) Royal Bank defines the Merchant Category Code Groups at its own discretion; (b) Royal Bank can only enforce Merchant Category Code restrictions to the extent it receives accurate Merchant Category Code data with the transaction authorization request; and (c) Royal Bank has no liability for transactions declined or approved contrary to the intent of the Customer. The Customer is responsible for obtaining such agreements or commitments as it considers appropriate from Cardholders to govern the use of their Physical Card including, but not limited to, ensuring that the Physical Card is not used to purchase or pay for gambling, online gaming, illicit drug transactions or for any other unlawful purpose. Royal Bank may refuse to authorize certain types of transactions at its discretion.
Applicable to Physical Cards. For the purposes of this provision, “unauthorized use” of a Physical Card means use by a Person, other than the Cardholder, who does not have actual, implied or apparent authority for such use, and which does not benefit either the Customer or the Cardholder. If a Program Administrator or the Cardholder suspects that a Physical Card is being used by a Person other than the Cardholder, the Cardholder or Program Administrator must inform Royal Bank immediately. Once Royal Bank is informed that a Physical Card may be misused, Royal Bank will be able to prevent the use of the Physical Card. Also, if Royal Bank suspects unauthorized or fraudulent use of a Physical Card, Royal Bank may block the Physical Card or prevent its use without prior notice to the Cardholder. The Customer is not liable to Royal Bank for any Debt resulting from the unauthorized use of a Physical Card that is incurred after the time the Cardholder informs Royal Bank about the unauthorized use of the Physical Card. Notwithstanding the above, if someone uses a physical (i.e. plastic) credit card with or without the PIN, or the associated physical credit card number only with or without any other Security Devices, to make unauthorized Purchases or otherwise obtain the benefits of the Physical Card, or the Cardholder Account, the Customer is liable to Royal Bank for all amounts owing on the Cardholder Account resulting from the unauthorized use of the Physical Card incurred before the time the Cardholder informs Royal Bank about the unauthorized use through any one or more transactions on the Cardholder Account, unless (i) the Cardholder is able to establish, to the reasonable satisfaction of Royal Bank, that the Cardholder has taken reasonable steps to protect the Physical Card and the Cardholder Account against unauthorized use and to safeguard the PIN and other Security Devices in the manner set out in the Agreement, including these Commercial Card Program Service Materials, or as Royal Bank may otherwise advise Cardholders from time to time; and (ii) the Cardholder fully cooperates with Royal Bank’s investigation. The Customer remains fully liable for all Debt incurred in connection with an unauthorized use if the Cardholder: (i) voluntarily discloses the PIN or other Security Devices, or (ii) otherwise contributes to the unauthorized or fraudulent use of a Physical Card, or permits access to the Cardholder Account, or (iii) fails to inform Royal Bank in a reasonable time that the Cardhold...
