1. Overview and Eligibility
(a) If you have opted to participate in the Mint Protect Waiver Arrangement, as confirmed in the Mint Commercial Proposal, this Schedule 4 applies.
(b) In the event of any inconsistency between the terms of this Schedule 4 and the Mint Global Terms and Conditions, the provisions of this Schedule 4 relating to the waiver of Mint’s contractual rights will prevail, without affecting the validity or enforceability of the remaining terms of the Agreement.
(c) Mint Protect is an optional commercial arrangement offered by Mint to eligible users, primarily travel agents and tour operators. Under this arrangement, Mint agrees to waive its right under the Agreement to recover certain chargeback amounts from you where specific conditions are met (see clause 2 below).
(d) If you do not request to obtain Mint Protect at onboarding or at a later date via written instruction, and receive written confirmation from Mint that Mint Protect has been enabled, this Schedule 4 does not apply.
(e) Where you elect to participate and Mint confirms your eligibility, this Schedule 4 applies in addition to your obligations under this Agreement. Users utilising Mint’s net settlement capability may access Mint Protect immediately. Gross settlement users may access it from the first day of the month following the signing date.
(f) Mint Protect applies to eligible transactions processed via the following card schemes: Visa, Mastercard, American Express, and EFTPOS.
(g) You may withdraw from Mint Protect on 30 days’ written notice. Mint may suspend or terminate your participation immediately if you: (i) exceed acceptable chargeback thresholds; (ii) fail to meet Mint Protect eligibility or compliance requirements; or (iii) use the Services for fraudulent or illegal activity. Where participation is terminated, you must reimburse Mint for any chargeback amounts waived under this arrangement that were based on misrepresentation or breach of this Schedule.
2. Waiver Scope, Exclusions and Eligibility Requirements
(a) If Mint Protect is enabled, Mint may waive its right to recover chargeback amounts from you where they result from: (i) supplier insolvency; (ii) non-delivery of agreed services by a third-party supplier; or (iii) fraudulent transactions, provided that 3DS was enabled for the transaction (per clause 3.3(f) of the Mint Global Terms and Conditions).
(b) The waiver does not apply to: (i) non-card payment methods (e.g., Pay by Bank); (ii) transactions processed through Mint’s gateway-only services (e.g., direct acquiring relationships); (iii) transactions involving known insolvent suppliers; (iv) transactions involving suppliers listed on Mint’s exclusion list on or after their listing date (transactions before listing remain eligible); (v) transactions involving sanctioned countries or “Do Not Travel” jurisdictions from the date of such listing; (vi) losses caused by your own errors, negligence, fraud, duplicate processing, or operational failures (including failure to process agreed refunds); or (vii) chargebacks initiated by a customer seeking a refund prior to the scheduled date of travel in respect of a non-refundable booking, deposit, or ticket (including fares expressly sold as non-refundable).
(c) To maintain eligibility for this waiver, you must: (i) enable 3DS for transactions if seeking waiver for fraudulent transactions; (ii) ensure your customer-facing terms state you act solely as an agent and not the supplier; (iii) cooperate with Mint’s onboarding and ongoing risk review process, including providing a current supplier list on request; (iv) comply with clause 3(d) of Section 3 of the General Terms and Conditions; and (v) report suspicious activity immediately.
(d) You must: (i) submit supporting documentation (e.g., booking records, customer communications, T&Cs) within 14 days of notification; (ii) make reasonable attempts to resolve service non-delivery disputes directly with suppliers and pass on any refund obtained to the customer; and (iii) provide evidence of those efforts on request.
3. Pricing and Activation
(a) Mint Protect is priced into your overall service fees (not charged separately) as set out in the Mint Commercial Proposal, if you have opted in and been confirmed as eligible. Mint Protect begins on the later of (i) the date we notify you; or (ii) the date pricing adjustments take effect. Mint may revise pricing or terms for Mint Protect with 30 days’ written notice.
4. Termination of Waiver Arrangement
(a) You may withdraw from Mint Protect on 30 days’ written notice. Mint may suspend or terminate participation immediately if you: (i) exceed acceptable chargeback thresholds; (ii) fail to meet eligibility or compliance requirements; or (iii) use the Services for fraudulent or illegal activity. Where terminated, you must reimburse Mint for any waived chargeback amounts granted under this arrangement based on misrepresentation or breach.
(b) Mint reserves the right to withhold the waiver if: (i) documentation provided is incomplete or late; (ii) you fail to demonstrate a good-faith attempt at resolution; or (iii) the conditions in clause 2 are not met.