Last updated: January 2020
By using Mastercard Secure Code, you indicate that you have read and accepted these terms and conditions, so please read them carefully.
1.1. “you” and “your” means a Cardholder who uses 3D Secure
1.2. “we”, “us” or “our” means GoHenry Inc, Service provider of GoHenry limited which has its head office at 9 Angel Courtyard, High Street, Lymington, SO41 9AP, United Kingdom.
2.Acceptance of these Terms of Use
2.1. Use of 3D Secure will represent your acceptance of these Terms of Use.
2.2. These Terms of Use should be read together with our Privacy Policy and our Cardholder Terms and Conditions, which can all be found at https://www.gohenry.com/us/terms-and-conditions/. By using Mastercard Secure Code, you are indicating to us that you are also accepting these additional terms.
3. What is 3D Secure?
3.1. 3D Secure is a payment authentication standard for online purchases which helps keep money safe by adding an extra layer of security when purchasing goods or services online with participating retailers. Mastercard calls its version "Mastercard Secure Code".
3.2. You will know that an online merchant is a participating retailer when you will see the "Mastercard® SecureCode™" logo.
3.3. 3D Secure should be seen as an extra security feature of your child’s debit card and is not intended to replace the security obligations set forth in our Cardholder Terms and Conditions.
3.4. 3D Secure applies to all online transactions regardless of age, and for the avoidance of doubt will apply to your child’s online transactions.
4. What does my child need to use 3D Secure?
4.1. To use 3D Secure, your child will need internet access and their (or your) mobile phone with an up to date phone number or their GoHenry application.
5. Using 3D Secure
5.1. 3DS works automatically. You do not need to register your child’s GoHenry card.
5.2. When your child will make a transaction that requires 3D Secure, they will be brought to a “Mastercard Secure Code” screen.
5.3. To complete the purchase, your child will be prompted to enter a one-time code sent by text to their phone (or yours, if your child doesn’t own one). You will know it’s a genuine text message from us if it it contains the last four digits of your child’s card number and it is received just after you or your child have entered your child’s card details online.
5.4. Your child (or you) will have a set amount of time and a number of attempts to enter the passcode correctly. If you or your child do not enter the passcode correctly, your child will be unable to complete the online purchase.
5.5. Alternatively, the payment can also be approved by providing personal information within your child’s app. Personal information means either your child’s account PIN, password, fingerprint or face ID.
5.6. Because of how 3D Secure work, always make sure that the personal information we hold about you or your child (in particular your or your child’s mobile phone number) is up to date, and that you have your or your child’s mobile phone or GoHenry application nearby when completing a transaction.
5.7. We do not charge for 3DS. However, you are responsible for SMS fees charged by your mobile phone provider and any internet when shopping online with a participating retailer.
6. Exempt Transactions
6.1 Certain low-value and recurring transactions for the same amount (e.g monthly membership or subscription fees) are exempt from 3D Secure.
7. Declined Transactions
7.1. A transaction may be declined if you or your child refuse to or are unable to provide the requested information to validate your child’s identity.
7.2. We may also suspend, limit or decline to process a transaction if: (i) needed to protect the security of your or your child’s account; (ii) necessary to prevent a crime or other misuses of your child’s account; (iii) the transaction appears unusual compared to how your child normally uses his GoHenry card or if your child has lost his GoHenry card; or (iv) because we are required to do so by any party which assists us in providing Mastercard Secure Code.
8. Suspension or Termination of Mastercard Secure Code

8.1. We may, at any time, discontinue, terminate or suspend (permanently or temporarily) Mastercard Secure Code, without giving your prior notice. Situations where we might do this are for example a breach by you or your child of these terms of use.
8.2. We may also change any aspect or functionality of Mastercard Secure Code at any time without giving you prior notice.
9. Turning off your child’s online payments
9.1. You can turn off your child’s online payments at any time in your GoHenry application preference settings
10. Privacy Policy
10.1. For verification and security purposes, we must collect certain personal information from you and your child including your and your child’s mobile phone number (together the “Personal Data”).
10.2. We will only collect Personal Data that is relevant to providing Mastercard Secure Code. WE WILL NOT COLLECT THE DATA OF YOUR UNDER 13 YEAR OLD CHILD WITHOUT YOUR EXPLICIT PRIOR APPROVAL.
10.3. We will pass your or your child’s Personal Data to our third-party data processors who administer 3D Secure.
10.4. We may provide the police, or any prosecuting authority any information obtained in connection with your or your child’s use of Mastercard Secure Code in order to allow them to investigate any suspected use of your or your child’s Personal Data.
10.5. We may transfer your or your child’s Personal Data to a country that is outside the European Economic Area. If we do so, we will always ensure that the security of the Personal Data is maintained.
10.6. We will not share your or your child’s Personal Data with online retailers.
10.7. Please know that you have the right to access your Personal Data at any time. To learn more, please see our Privacy Policy. You will find it at https://www.gohenry.com/us/terms-and-conditions/
11. Security
11.1. Please notify immediately if you child’s card gets stolen or if you suspect that your child’s passcode is known to someone else.
11.2. Never let your child lend his GoHenry card to anybody else
11.3. Use care to prevent anyone seeing your child’s card details being entered at the time of authentication.
12. Liability
12.1. By using Mastercard Secure Code, you understand that unless you are a victim of fraud, you are responsible for all of your child’s online purchases.
12.2. We will not be liable to you for any damages arising out of: (i) your use or attempted use of Mastercard Secure Code; (ii) any suspension, modification or discontinuance of Mastercard Secure Code or (iii) any other failure such as for example, and without limitation, mobile phone reception or network connection failures, internet connection failures, machine failures or industrial disputes.
12.3. If you are dissatisfied with any aspect of Mastercard Secure Code, your sole and exclusive remedy is to terminate participation in the relevant services.
13. Changes to these Terms of Use
13.1. We may add to or change these terms of use at any time. We will tell you in advance by email if we do so.
13.2. The amount of notice that we will give you will follow the laws and regulations that apply at that time.
13.3. We will choose the way that we tell you; we can do it by letter, electronic mail, telephone or by any other means permitted law.
14. Governing Law
14.1. These terms of use and any matter arising from them are governed by the laws of New York.
14.2. Any disputes arising from these terms of use will be dealt with by the courts located in New York City.

If you have questions about these terms of use, or for assistance, please call our member services team (877) 372-6466 or write to us on [email protected]