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Apple's credit card has some very specific rules



Apple's credit card is launching soon, and it looks like the much-awaited card will come with a few unusual rules.

Goldman Sachs, who partnered with Apple on the card, published the customer agreement, revealing a few new details about the iPhone manufacturer's new offering.

Although many of the rules are what you can expect to find in lowercase, there are some important parts of the agreement.

For once, the terms explicitly prohibit credit card users from jailbreaking their iPhones. From Agreement (emphasis added):

If you make unauthorized modifications to your qualified device, for example, by disabling hardware or software controls (for example, through a process sometimes called "jailbreaking"), your Eligible Device may no longer be eligible to access or manage your account . You acknowledge that the use of a modified eligible entity in connection with your account is expressly prohibited, violates this agreement, and may result in us refusing or restricting your access to or closing your account, and any other means available to us under this agreement.

In other words: don't jailbreak your phone unless you want to risk your account being closed suddenly.

It may be an annoyance for jailbreak enthusiasts (no matter how many are left), but there are probably practical reasons for the rule as well. Unlike most credit cards, where the actual physical card is the key to most purchases, the Apple Card encourages you to use the iPhone for most transactions, rather than the flashy titanium card you might put in your wallet. If you wanted to jailbreak your iPhone, it could affect your ability to use Apple Pay or prevent Apple Card software from working properly.

Another rule that has raised some eyebrows is that the card deal explicitly prohibits users from purchasing cryptocurrency, which it considers a "cash equivalent." Most credit cards prohibit "cash-like" transactions, as they can be used to reward programs, although it is somewhat remarkable that Apple and Goldman explicitly refer to cryptocurrency as a cash equivalent.

The card also comes with a few rules specific to Apple's ecosystem. You are required to have an Apple ID and iCloud account "in good condition" and that have two-factor authentication enabled (which is always a good idea). And in case there is a question of whether it means you need an iPhone or not, the deal says you need an iPhone or iPad with a password. And don't think you can sign up with your iPhone and switch to Android later.

"Without a required device, you will only be able to manage your account by contacting us by phone or mail, and your monthly statement will only be sent to you via email or email," the Terms of Service states. "If you do not maintain a required device, we may close your account."

The rules come as the Apple Card is expected to be released soon. CEO Tim Cook said during the company's revenue talks last week that Apple employees have tested it out, with the official launch set for once in August.

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