Betingelser knyttet til bruk av Gjeldsoversikt.no og andre websider tilhørende Remedi AS.
Velkommen til dette nettstedet som eies og drives av Remedi AS. I disse vilkårene er betegnelsen "Remedi AS" referert kollektivt til Remedi AS og dets datterselskaper, filialer og relaterte selskaper.
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Remedi AS behandler persondata ifølge Lov om Personopplysninger. Opplysninger som kan knyttes til deg som person vil aldri bli gjort tilgjengelig for andre virksomheter eller bli koblet med andre eksterne register. All informasjon er sikret med høygradskryptering for din sikkerhet.
Bruksvilkår/Henvisninger og Regler, for brukere av våre websider.
Dette nettstedet eies og redigeres av Remedi AS, Org.nummer 915471854 MVA, Ytrebygdsvegen 37 5252 Søreidgrend. Remedi AS gjør sitt beste for at innholdet på sidene er aktuelt, fullstendig og korrekt.
Sidene blir regelmessig oppdatert, men siden informasjonen kan endre seg raskere, kan dette ikke omgående gjenspeile seg på våre sider, slik at aktualitet, fullstendighet og korrekthet av sidene ikke kan garanteres.
Vi betrakter ikke innholdet på disse sider, som et grunnlag for Remedi AS ved inngåelse av bindende forretningsforhold. Disse sider er en veiledning, og ikke en erstatning av faglig og personlig konsultasjon. Dette fås ved og også bestille inkludert rådgivning ved registrering.
Hvordan informasjon fra våre sider generaliseres og anvendes i konkrete situasjoner, er leserens egen avgjørelse, og ikke en avgjørelse tatt av Remedi AS.
Alt av innholdet må forstås som anbefaling. Å gjennomføre eller ikke gjennomføre bestemte tiltak, inngå avtaler eller forpliktelser, er hver for seg individuelle vedtak. Remedi AS gir aldri forpliktende råd til brukere av våre websider uten at man er kjent med det totale bildet, behovene og brukerens totale situasjon, noe som ikke er mulig uten en personlig konsultasjon.
Disse sider inneholder delvis forbindelser (linker) til andre sine websider. Disse sider har Remedi AS ingen myndighet over, slik at vi ikke kan ta noe ansvar for deres innhold, eller videre forbindelser fra disse sider.
Alle personlige opplysninger som De måtte oppgi i kontakten med oss, kan besvares eller ikke besvares frivillig. Alle Deres personlige data, blir behandlet og lagret i henhold til gjeldende lovverk.
Alle personlige opplysninger blir bare benyttet i forbindelse med saksbehandling av Deres egen sak, så fremt ikke annet er avtalt på forhånd. Bearbeidelse og benyttelse av disse opplysninger skjer bare med Deres samtykke. De kan alltid avslutte Deres kontakt med oss og Deres data blir da slettet. For å formidle vår informasjon mer målrettet kan innholdet på andre domener og www.gjeldsoversikt.no variere.
Når du handler hos Gjeldsoversikt.no blir betalingen behandlet av Bambora,som er en sikker elektronisk betalingsløsning for Visa og MasterCard/Eurocard. All kortinformasjon blir oppbevart i henhold til kortselskapenes regelverk.
Betalingsbetingelser for bruk av Gjeldsoversikt.no.
Disse betingelsene kommer i tillegg til de generelle brukervilkårene for bruk av nettstedet.
Abonnementet du velger har en bindingstid tilsvarende perioden du velger, og løper til det sies opp skriftlig. Oppsigelsestiden etter bindingstiden er utløpt er én måned.
-Ved betaling via SMS, trekkes abonnementsbeløpet fra din telefonregning når du taster inn koden du får tilsendt pr sms.
Du har 14 dagers angrerett ihht. Lov om opplysningsplikt og angrerett m.v. ved fjernsalg og salg utenfor fast utsalgssted.
Alle tjenester nettstedet tilbyr blir gjort tilgjengelig for brukeren umiddelbart etter bestillingen er gjennomført. Ihht, Angrerettslovens §21;
"Ved annet fjernsalg enn telefonsalg kan det avtales at tjenesten skal påbegynnes før utløpet av angrefristen, med den virkning at forbrukeren ved bruk av angreretten skal betale for den delen av tjenesten som er utført samt for medgåtte materialer."
Ved utsending av forespørsel om gjeldsoversikt før brukeren angrer kjøpet, vil dette anses som at 50% av tjenesten er levert. Ved kjøp av "Super", som inkluderer ubegrenset tilgang til personlig gjeldsrådgiver i perioden, anses 100% av tjenesten levert ved benyttelse av den personlige rådgivningstjenesten.
Angreretten bortfaller dermed hvis "Super" er bestilt og brukeren har tatt kontakt med sin tildelte personlige rådgiver pr telefon, live chat eller e-post av andre grunner enn rent teknisk support.
Bortsett fra, som uttrykkelig erklært i en avtale mellom deg og Remedi AS, er alt innhold, tjenester, produkter og programvare som er gitt på dette nettstedet levert ”slik det er”, uten noen form for garanti av noe slag, uttrykkelig eller underforstått.
Remedi AS og deres leverandører og lisensgivere fraskriver seg, til det maksimale som lovgivningen tillater, alle garantier, vilkår, betingelser og representasjoner, uttrykkelige eller underforståtte, inklusive, men ikke begrenset til, de som gjelder salgbarhet, egnethet til et bestemt formål, tilfredsstillende kvalitet og ikke-brudd.
Du er alene ansvarlig for egnetheten til dette nettstedet, dets innhold, og for at produktene og tjenestene som tilbys av Remedi AS passer til din tiltenkte bruk.
Remedi AS garanterer ikke at nettstedet, dets innhold, eller produkter og tjenester som tilbys på nettstedet oppfyller dine individuelle behov. Underlagt vilkårene i enhver avtale mellom deg og Remedi AS, er ikke Remedi AS, dets leverandører eller lisensgivere ansvarlig for;
(A) Noe tap av fortjeneste, kontrakter eller omsetning, eller for;
(B) noen indirekte skader eller følgeskader.
Remedi AS innehar alle rettigheter til innholdet av disse websider. Tekster, bilder, grafikk, video, animasjon, musikk, oppbygging og layout som disse sider inneholder, er beskyttet med opphavsrettigheter. Innhold på disse sider kan ikke kopieres, distribueres eller endres.
Privat bruk av materiale er tillatt uten forutgående godkjennelse. All annen bruk av materialet krever godkjennelse av Remedi AS. Alle merker og logos på disse sider er beskyttet til fordel av Remedi AS.
For tekniske problemer eller opplysninger kontakt email@example.com.
All form av ulovlig virksomhet rettet mot Remedi AS` websider, mot dets domener og e-postadresser, som spamming, ulovlig eller falsk bestilling av nyhetsbrev eller annen digital virksomhet rettet mot å skade eller tilføre økonomiske tap for Inkassorådgiverne og selskapets eiere, vil forfølges strafferettslig og/eller sivilrettslig med påtalebegjæring og erstatningskrav.
Brukervilkår for EasiPay forhåndsbetalt MasterCard.
Denne er på engelsk foreløpig, så du er selvfølgelig velkommen til å kontakte oss ved uklarheter og/eller oversetting.
References to clauses and schedules are to the Conditions in this Agreement. Headings are for convenience only and shall be ignored in interpreting this Agreement. Reference to a currency (e.g. Euros € or Sterling (£)) shall mean that amount or the local currency equivalent.
If any provision of this Agreement shall be determined by any court or competent authority to be illegal, invalid or unenforceable, it shall be restated so as to give effect to the intention of the clause or severable from this Agreement, and shall not affect any other provision of this Agreement.
"Account" the pre-paid electronic money account associated with Your Card
"Additional Card" any additional card which (i) is issued to a person at any time after the successful registration by the Primary Cardholder of an Account, and (ii) issued in respect of that Primary Cardholders Account.
"Additional Cardholder" a person who holds an Additional Card.
"Agreement" means these Terms and Conditions,
"Available Funds" means at any given time any unspent funds loaded onto Your Card which is available to pay for Transactions and fees and charges payable under this Agreement.
"Card" or "Pre-paid MasterCard Card" means an electronic money card issued by Us to You.
"Commencement Date" means the date You commence using the Card or activate it.
"Expiry Date" means the date printed on Your Card which is the date Your Card will cease to work.
"Fee" any fee payable by the Primary Cardholder, as shown in Condition 21 and on Our Website.
"PIN" means Your unique personal identification number which is provided to You for use with Your Card.
"KYC" Know Your Customer, requirements for knowledge of and information on customers of regulated entities or for regulated activities.
"Merchant" a retailer or any other person that accepts cards which display the MasterCard Acceptance Mark.
"We", "Us" or "Our" means IDT Financial Services Limited or Card Compact Limited acting on its behalf.
"Business Day" means any day other than a Saturday, Sunday or national public holiday on which banks are open for business in Gibraltar and the UK.
"You" or "Your" refers to the cardholder.
"Website" means this website describing the specific features, terms, conditions and fees that apply to Your Card. These features, terms and conditions will vary depending on where You obtained the Card.
"Physical Card" a physical pre-paid electronic payment card which may be used for both on-line purchases and non on-line purchases.
"Primary Card" the first Card issued by Us to the Primary Cardholder in response to his registration of his Account, this can include either a Virtual Card and/or a Physical Card.
"Primary Cardholder" the person who has applied successfully for an Account and has been issued at least one Card by Us, the legally and financially responsible person for the Card(s), Account and e-money. Reload" to add money to Your Account.
"Transaction"(i) a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of Your Card including where payment is made over the internet, by phone or mail order or (ii) a cash withdrawal made from an ATM or bank using Your Card, plus any Transaction fees charged by Ourselves or any third party in connection with Your cash withdrawal.
"User" the person authorized to use a Card, namely either (i) the Primary Cardholder; or (ii) a person who has been registered with Us as an Additional Cardholder.
"Username and Password" a set of personal codes selected by the Primary Cardholder to access his Account;
"Virtual Card" a non-physical pre-paid electronic payment card, the use of which is limited to on-line purchases or on the phone or mail order;
1. INFORMATION ON WHO WE ARE AND THIS AGREEMENT
1.1 This Agreement sets out the general Terms and Conditions that apply to the Prepaid Card. These Terms and Conditions must be read in conjunction with the information contained on the Website, which describes the specific features, terms, conditions and fees applicable to Your Card. Together, these documents form an Agreement between You and Us governing the possession and use of the Card. By using the Card or activating it (see Condition 2.3 below) You agree to the Terms and Conditions in the Agreement. If there is a conflict between the Terms and Condition and the Product Leaflet, the relevant term or condition in the Product Leaflet will apply. Copies of this Agreement can be found on the Website or by contacting Our Customer Services team in accordance with Condition 15.
1.2 Cards are issued by IDT Financial Services Limited pursuant to a license from MasterCard International Incorporated. IDT Financial Services Limited is regulated and authorised by the Financial Services Commission, Gibraltar. Registered Office: 57-63 Line Wall Road, Gibraltar. Registered No. 95716. At all times the Card remains the property of IDT Financial Services Limited. All communications should be sent to Card Compact Ltd., 483 Green Lanes, London N13 4BS, United Kingdom.
1.3 The production of the Cards and the technology systems required to operate the Cards are provided by Card Compact Ltd., registered in Devonshire House, Manor Way, Borehamwood, Hertfordshire WD6 1QQ,United Kingdom. Card Compact also provides customer support for Cards as set out in Condition 15 below.
1.4 This Agreement will commence on the Commencement Date and will terminate in accordance with Condition 10. This Agreement and all communications between Us and You shall be in the Norwegian language.
1.5 In some cases, the Prepaid MasterCard Card will be distributed by one of Our commercial partners, for example in exchange for electronic goods. Whilst Our commercial partner may distribute the Card, this agreement is separate and distinct from any agreement You may have with Our commercial partner.
2.1 The Card is a prepaid payment card which may be used to pay for goods and services at participating retailers that accept MasterCard cards. It is designed for use in shops and retail locations where You are physically present. Like any payment card, We cannot guarantee that a particular retailer will accept the Card - please check with the retailer before attempting the Transaction if You are unsure.
2.2 The Card is an electronic money ("e-money") product, regulated by the Financial Services Commission ("FSC"), Gibraltar. It is a prepaid card not a credit card and is not linked to Your bank account. You must ensure that You have sufficient Available Funds on the Card to pay for each purchase, payment or cash withdrawal using the Card The Card is intended for use as a means of payment, and funds loaded onto the Card do not constitute a deposit. You will not earn interest on the balance of the Card. The Card will expire on the Expiry Date and will cease to work. Please check Our Website or see Condition 8 of this Agreement for further information.
2.3 Your Card is not a credit card and is not issued by a bank. When You purchased Your Card, You had the option of a Virtual Card, a Physical Card or both. If You purchased a Virtual Card, You may upgrade for a fee at any time to a Physical Card by following the Upgrade instructions given at atwww.easipaycard.com. When You upgrade, You will have the option of keeping Your Virtual Card account open or closing it and only using Your Physical Card. Regardless of the type of Card(s) You have, You will have only one Account where Your Available Balance is located.
2.4 When You receive Your Card, it will be issued to You in an inactive state. You will need to activate it by referring to the Website and following the instructions for activation prior to use. If You don′t activate Your Card, any Transactions that You attempt to carry out may be declined.
2.5 You may reload Your account directly via Our Website www.easipaycard.com. We accept approved credit, debit cards, online bank transfers as well as cash vouchers and more funding sources. A Reloading Fee applies.
2.6 Once Your Account has been approved by Us, You may Reload Your Account up to three times daily with a minimum per reload of € 10 and a maximum total daily reload of €2,500, subject to KYC (know Your customer) verification and acceptance. We reserve the right to vary these limits and to decline any reload at any time. We will notify You as soon as is reasonably practical in the event We refuse a reload.
2.7 To comply with regulations relating to individual transfers of funds in excess of €1,000, Details of the card holder name and the unique ID of the card will form part of any none card Transaction outward payment description. Similarly, details of the payer of any funds received in excess of €1,000 will be required, this can include Name, address, Date of birth, national ID number and account number. This information may be in addition to any KYC or Source of funds documentation requirements.
3. IDENTIFICATION REQUIRED FOR PURCHASE OF CARDS
3.1 The Card is a financial services product, and We are therefore required by law to hold certain information about Our customers. We use this information to administer Your Card, and to help Us identify You and Your Card in the event that it is lost or stolen. We only keep this information as long as is necessary and for the purposes described. Please see Condition 17 for more information.
3.2 In order to obtain a Card, You must be at least 18 years old. We may require evidence of who You are and of Your address. We may ask You to provide some documentary evidence to prove this and/or We may carry out checks on You electronically.
3.3 When We carry out these checks, Your personal information may be disclosed to credit reference agencies and fraud prevention agencies. These agencies may keep a record of the information and a footprint may be left on Your credit file, although the footprint will denote that the search was not a credit check and was not carried out in support of a credit application. It is an identity check only, and will therefore have no adverse affect on Your credit rating.
3.4 The purchase of or use of the Card will indicate to Us that You consent to the checks described in this Agreement being undertaken.
3.5 Where permitted, You may request Additional Cards linked to Your Card. You authorise Us to issue Cards and PINs to the Additional Cardholders and You authorise each Additional Cardholder to authorise Transactions on Your behalf. You remain responsible for any fees, Transactions, use or misuse of any Card or Additional Card requested by You.
3.6 This Agreement also applies to any Additional Cards and Cardholders that You have arranged. It is important that You communicate this Agreement to any Additional Cardholders before they start using the Card.
3.7 If You enter into Transactions over the internet, some websites require You to enter Your name and address. In such cases You should supply the most recent address which has been registered with Us by the Primary Cardholder as the Account address. The Account address is also the address to which We will send any correspondence.
3.8 The Primary Cardholder must notify Us within 7 days of any change in the Account address or Your other contact details. You can notify Us by updating Your profile online or if available by contacting Customer Services at www.easipaycard.com, who may require You to confirm such notification in writing. You will be liable for any loss or fraud that directly results from any failure to notify Us of such a change. We will need to verify Your new Account address and shall request the relevant proofs from You.
4. FEES AND CHARGES
4.1 The fees and charges associated with this Card form an integral part of these Terms and Conditions. All fees and charges may be found on Our Website or issued to You upon request by emailing Customer Services support(at)cardcompact.com. All fees and charges shall become applicable:
4.1.1 as of the date of use of the Card; or
4.1.2 if You do not cancel Your Card in accordance with Condition 9.1 of these Terms and Conditions
5. HOW TO USE THE CARD
5.1 A Card may only be used by the person to whom the Card was issued. In the case of an Additional Card, that Card may only be used by a person nominated by the Primary Cardholder. The Cards are otherwise non transferable, and You are not permitted to allow any other person to use the Card, for example by disclosing Your PIN or allowing them to use Your Card details to purchase goods via the internet. Prior to use, the Card should be signed on the signature strip located on the back of the Card.
5.2 If You only have a Virtual Card, this may only be used over the internet, by phone and mail order.
5.3 We will be entitled to assume that a Transaction has been authorised by You where either:
5.3.1 the magnetic strip on the Card was swiped by the retailer or the Card was inserted into a chip & PIN device;
5.3.2 the Card PIN was entered or a sales slip was signed; or
5.3.3 relevant information was supplied to the retailer that allows them to process the Transaction, for example providing the retailer with the 3-digit security code on the back of Your Card in the case of an internet or other non face-to-face transaction.
5.4 Normally, We will receive notification of Your authorisation by way of an electronic message in line with the rules and procedures of the payment scheme (MasterCard network). Once We have received notification of Your authorisation to proceed with the Transaction, the Transaction cannot be stopped or revoked. However, You may in certain circumstances be entitled to a refund in accordance with Conditions 12 and 13.
5.5 On receipt of notification of Your authorisation, normally We will deduct the value of the Transaction, plus any applicable fees and charges, from the Available Funds on the Card. The retailer or service provider that has accepted Your Card for payment will normally receive payment within 3 Business Days.
5.6 Under normal circumstances, if any payment is attempted that exceeds the Available Funds on the Card the Transaction will be declined. In certain circumstances, a Transaction may take Your Card into a negative balance - this will normally be where the merchant has failed to seek authorisation for the Transaction. In these cases, We will attempt to recover some or all of the money from the merchant if We can, providing that We are satisfied that You have not deliberately used the Card in the manner that would result in a negative balance. We will deal with such instances on a case by case basis, but where there is a negative balance on Your Card, We may require You to make up the shortfall and, until there are Available Funds on Your Card, We may restrict or suspend the use of Your Card.
5.7 The Card may be used in full or part payment for purchases. In the case of part payment, the person the cardholder will be required to pay the outstanding amount of the purchase by an alternative means, for example, cash or debit card or credit card.
5.8 If You use Your Card for a Transaction in a currency other than the currency that the Card is denominated in, the Transaction will be converted to the currency that the Card is denominated in by the MasterCard scheme network at a rate set by MasterCard International Incorporated. The exchange rate varies throughout the day and is not set by Us, therefore We are not responsible for and cannot guarantee You will receive a favourable exchange rate. You can ask Us for information about the exchange rate used after the Transaction has been completed by contacting Our Customer Services team in accordance with Condition 15.
5.9 Normally, We will be able to support Transactions 24 hours per day, 365 days per year. However, We cannot guarantee this will be the case, and in certain circumstances - for example a serious technical problem - We may be unable to receive or complete Transactions.
5.10 As the Primary Cardholder, You may apply to Us for 1 Additional Card, for use by an Additional Cardholder on Your account. Additional Cardholders must be 18 years or older. It is a condition of any registration for an Additional Card that You, as the Primary Cardholder, acknowledge that We accept no responsibility or liability of any kind whatsoever for use of any Additional Card by any Additional Cardholder for illegal Transactions and/or Transactions not authorised by You. If You successfully register, We will send You an Additional Card, for which We will charge an Additional Card Fee as set out in Condition 21, including any per Card Maintenance Fees. Upon receipt of the Additional Card, You may give the Additional Card to the Additional Cardholder for their use, subject to:
5.10.1You providing them with a copy of these Terms and Conditions (which will then bind both of You);
5.10.2 the Additional Card then being used only by that person
5.10.3 You retaining the Primary Card;
5.10.4 You informing the Additional Cardholder that You have retained the Primary; Card and that You are still able to use the Account
5.10.5 Us obtaining such further information and documentation in order to enable Us to comply with all applicable KYC and anti-money laundering requirements
5.11 You (the Primary Cardholder) will remain responsible for the use of the Cards and the Account, and for any fees and charges incurred by the Additional Cardholder, and You will continue to be regarded as the holder of any e-money already or subsequently loaded on the Account. The use of a Card in relation to which an Additional Cardholder has been registered will be regarded as confirmation that You have provided the Additional Cardholder with these Terms and Conditions and they have accepted them. You will remain responsible for any Transactions, cash withdrawals from ATMs, fees and charges incurred by Your Additional Cardholder. Your Cards will have a shared purse which all Transactions will be deducted from
5.12 Your ability to use or access Your Card and Account may occasionally be interrupted, for example if We need to carry out maintenance on Our systems. Please contact Customer Services via Our Website at www.EASIPAYCARD.COM to notify Us of any problems You are experiencing using Your Card and We will endeavour to resolve any problem.
5.13 If enabled, You will have the option to transfer Your Available Balance from Your Card or Account to other Cards and Accounts. If You instruct Us to make a transfer from Your Account to another Account, the requested amount will be debited from Your account and credited to the account You have instructed Us to transfer Your Available Balance to. You will incur an Account Transfer Fee for this Transaction as set out in Condition 21.
6. RESTRICTIONS ON USE OF CARD
6.1 You must ensure that You have sufficient Available Funds on Your Card to pay for each purchase, payment or cash withdrawal using the Card.
6.2 The Card is not linked to a bank deposit account and is not a cheque guarantee card, charge card or credit card, nor may it be used as evidence of identity.
6.3 The Card may not be used for preauthorised regular payments, for gambling, or for any illegal purposes. The Card may not be used for the purposes of car hire or to pay for hotel accommodation.
6.4 We may restrict or suspend use of Your Card without notice if We identify or suspect that suspicious, fraudulent or illegal activities are being carried out in relation to the Card, if We believe You have not complied with these Terms and Conditions, or in the event of exceptional circumstances which prohibit the normal operation of the Card.
6.5 Unless it would be unlawful for Us to do so or it is impracticable for Us to do so, where We stop or suspend the use of Your Card in accordance Condition
6.4 We will notify You of this and Our reasons for doing so, by sending an email to the email address You provided Us with when You obtained the Card,. Where it is not possible to notify You before We stop or suspend the Card, We will notify You as soon as possible after We have stopped or suspended the Card.
6.6 The Card may only be loaded via channels that We approve. The type and nature of these load channels will depend on the commercial relationship We have with Our partners. We will describe these load channels applicable to Your Card on the Website, however should You have any questions about ways to load Your Card please contact Our Customer Services team in accordance with Condition 15.
6.7 In some circumstances We or Merchants may require You to have an Available Balance in excess of the Transaction amount. For example, at restaurants You may be required to have 15% more on Your Card than the value of the bill to allow for any gratuity or service charge added by the restaurant or You.
6.8 In some circumstances Merchants may require verification that Your Available Balance will cover the Transaction amount and initiate a hold on Your Available Balance in that amount, examples include rental cars. In the event a Merchant places a pre-authorization on Your Account, You will not have access to these funds until the Transaction is completed or released by the Merchant.
6.9 If You use Your Card at a fueling station, subject to Merchant acceptance, Your Card will need to be pre-authorized for €50 or more. If You do not use the whole pre-authorization or do not have Available Balance to obtain a pre-authorization, it is possible that the pre-authorized amount will be held for up to 30 days before becoming available to You again.
6.10 Some Merchants may not accept Your Card. It is Your responsibility to check the policy with each Merchant. We accept no liability if a Merchant refuses to accept Your Card.
7. MANAGING YOUR CARD
7.1 You may check the balance and Available Funds on Your Card or view a statement of recent Transactions by visiting the Website www.easipaycard.com or alternatively You may call Our Customer Services team for this information in accordance with Condition 15 below.
7.2. We will not send You a paper statement as default. However, You the Primary Cardholder can check Your Available Balance and Transaction history at any time by logging on to Your account atwww.easipaycard.com. This online service is free. You can subscribe to different forms of account statements there.
8. EXPIRY OF THE CARD
8.1 Your Card will expire on the Expiry Date. On that date, subject to Condition 8.2 below, this Agreement will terminate in accordance with Condition 10, the Card will cease to function and You will not be entitled to use the Card. You may not use Your Card after the expiry date. If You have Additional Cards on Your Account, and they have not expired, those Cards will still be available to access any Available Balance.
8.2 In some cases, We may issue a new Card to You shortly before the Expiry Date, however We are not obligated to do so, and may elect not to issue a replacement Card at Our sole discretion.
8.3 Any arrangements for the issue of a replacement Card in accordance with Condition 8.2 above, will be described on the Website. The "cooling off" period described in Condition 9 will not apply to any replacement Card issued by Us.
9. COOLING OFF AND REDEMPTION PROCEDURE
9.1 You are entitled to a 14-day "cooling off′ period from the Commencement Date during which You may cancel Your Card. Should You wish to cancel Your Card and this Agreement during the "cooling off" period, please return the Card to Us at Card Compact Ltd, 483 Green Lanes, London, N13 4BS, United Kingdom unsigned and unused within 14 days of issue and a full refund of any fees paid to date will be made to You. Note that You will not be entitled to a refund of any fees if You have used Your Card during the 14-day "cooling off" period.
9.2 Following the end of the "cooling off" period in Condition 9.1 above, You may terminate this Agreement and or redeem some or all of the Available Funds on the Card by contacting Our Customer Services team atwww.easipaycard.com or in accordance with Condition 15. Where You request this, You will be charged a redemption and cash-out fee in accordance with Condition 4. We will deduct any redemption and cash-out fee payable to Us from the Available Funds on the Card and will normally issue a cheque made payable to You (posted to the address We have on record for You), or make an electronic transfer to a bank account that You nominate for the amount of the remaining Available Funds on the Card following the deduction of the redemption and cash-out fee. We will not complete Your redemption request if We believe You have provided false information, We are concerned about the security of a Transaction, if Your Card is not in good standing, or if there are insufficient Available Funds to cover the redemption and cash-out fee.
9.3 If You request redemption of the entire remaining balance in accordance with Condition 9.2, We will assume that it is Your intention to terminate this Agreement and will cancel Your Card.
10. TERMINATION OF THIS AGREEMENT
10.1 This Agreement will terminate on the earliest of:
10.1.1 3 years from the date on which You accept this Agreement in accordance with Condition 1.1;
10.1.2 subject to a replacement Card being issued to You in accordance with Condition 8.2, on the Expiry Date of Your Card;
10.1.3 a request for cancellation by You and or redemption by You of the entire remaining balance on Your Card in accordance with Condition 9.2 above; or
10.1.4 in the circumstances set out in Condition 10.2 below.
10.2 We may terminate this Agreement:
10.2.1 if You breach an important part of this Agreement, or repeatedly breach the Agreement and fail to resolve the matter within 10 days, or use Your Card or any of its facilities in a manner that We believe is fraudulent or unlawful;
10.2.2 if You act in a manner that is threatening or abusive to Our staff, or any of Our representatives;
10.2.3 if You fail to pay fees or charges that You have incurred or fail to put right any shortfall on the balance of Your Card; or
10.2.4 if there is no activity on Your Card for a period of 6 consecutive months or more.
10.3 If the Agreement terminates We will cancel Your Card and You must tell Us as soon as practicable what You want Us to do with any unused Available Funds on Your Card
11. KEEPING YOUR CARD AND ACCOUNT DETAILS SAFE
11.1 We will assume that all Transactions entered into by You with Your Card or Card details is made by You unless You notify Us in accordance with Condition 12.1.
11.2 You are responsible for keeping Your Card and its details safe. This means You must take all reasonable steps to avoid the loss, theft or misuse of the Card or details. Do not disclose the Card details to anyone except where necessary to complete a Transaction. You should be happy that the retailer or service provider is genuine and has taken adequate steps to safeguard Your information before proceeding with the Transaction and supplying them with the physical Card or details.
11.3 You must keep Your PIN safe at all times. This includes:
11.3.1 memorising Your PIN as soon as You receive it, and destroying the letter or other document on which We provided the PIN to You immediately. If You need to write down Your PIN in order to help You remember it, You must make sure it is well disguised;
11.3.2 never writing Your PIN on Your Card or on anything You usually keep with Your Card;
11.3.3 keeping Your PIN secret at all times, including by not using Your PIN if anyone else is watching; and
11.3.4 not disclosing Your PIN to any person, except that You may disclose the PIN orally (but not in writing) to a person authorised to use Your Card. Failure to comply with this may be treated as gross negligence and may affect Your ability to claim any losses. NEVER COMMUNICATE YOUR PIN TO ANYONE IN WRITING. This includes printed messages, e-mails and online forms.
11.4 You must keep Your Account details, Username and Password safe, and separate from Your Card or any record of Your Card number.
11.4.1 You must not disclose Your Username and Password to anyone else. You must take all reasonable steps to prevent anyone else from learning Your Username and Password. If You believe that someone else knows Your Username and Password, You should contact Us immediately in order to change Your Username and Password at www.easipaycard.com
12. LOST, STOLEN OR DAMAGED CARDS
12.1 You are responsible for protecting Your Card and Account as if it were cash If You lose Your Card or it is stolen, You may not be able to recover the funds (e-money) on Your Account, in just the same way as You would usually not be able to recover cash which You lose or which is stolen from You..If You lose Your Card or it is stolen or damaged please notify Us immediately by telephoning Our Customer Services team on 01805 666026 in accordance with Condition 15 of this Agreement. You will be asked to provide Your Card number and other information to verify that You are the authorised cardholder. Following satisfactory completion of the verification process, We will then immediately block any lost or stolen Card to prevent unauthorised use and cancel any damaged Card to prevent further use.
12.2 After You have notified Us of the loss, theft or risk of misuse, and providing that We are able to identify Your Card and satisfy certain security checks, We may issue a replacement Card and/or PIN to You. Certain fees may apply for the re-issue of a lost or stolen card, please see Condition 4 for further details. The "cooling off" period described in Condition 9 does not apply to replacement Cards.
12.3 If We believe You have acted fraudulently, or if We believe You have intentionally or with gross negligence failed to keep Your Card or its details safe at all times, We will hold You liable for all Transactions and any associated fees. Subject to this, We will limit Your liability to €150 for any unauthorised Transactions, where You have notified Us in accordance with Condition 12.1.
12.4 Replacement Cards will be posted to the most recent Account address registered by the Primary Cardholder, failure to provide the correct address will result in a Card Replacement Fee.
12.5 If You subsequently find or retrieve a Card that You have reported lost or stolen, You must immediately destroy the Card by cutting it in half through the chip and magnetic stripe.
12.6 You agree to help Us, Our agents, regulatory authorities and the police if Your Card is lost, stolen or if We suspect that the Card or Account is being misused.
13. PURCHASES FROM RETAILERS
13.1 We are not responsible for the safety, legality, quality or any other aspect of the goods and services purchased with the Card.
13.2 Where a retailer provides a refund for any reason (for example, if You return the goods as faulty) it can take several days for the notification of the refund and the money itself to reach Us. As such, please allow 5-10 days from the date the refund was carried out for the refund to be applied to Your Card.
14. TRANSACTION DISPUTES
14.1 If You believe You did not authorise a particular Transaction or that a Transaction was incorrectly carried out, You must contact Our Customer Services team without undue delay - as soon as You notice the problem. Depending on the circumstances, Our Customer Services team may require You to complete a dispute declaration form.
14.2 We will refund any unauthorised or incorrectly executed Transaction immediately unless We have reason to believe that the incident may have been caused by a breach of the Agreement, through gross negligence or where We have reasonable grounds to suspect fraud. We shall not be held liable for a Transaction that has been incorrectly executed if You have failed to notify Us of a problem without undue delay - in those circumstances, You may be held liable.
14.3 If Our investigations show that any disputed Transaction was authorised by You or You may have acted fraudulently or with gross negligence, We may reverse any refund made and You will be liable for all losses We suffer in connection with the Transaction including but not limited to the cost of any investigation carried out by Us in relation to the Transaction.
14.4 In certain circumstances, a Transaction will be initiated but not fully completed. Where this happens, this may result in the value of the Transaction being deducted from the Card balance and therefore unavailable for use - We refer to this as a "hanging authorisation" or "block". In these cases, You will need to contact Our Customer Service team in accordance with Condition 15 and present relevant evidence to show that the Transaction has been cancelled or reversed.
14.5 In certain circumstances, We may refuse to complete a Transaction that You have authorised. These circumstances include:
14.5.1 if We are concerned about the security of Your Card or We suspect Your Card is being used in a fraudulent or suspicious manner;
14.5.2 if there are not sufficient Available Funds to cover the Transaction and all associated fees at the time that We receive notification of the Transaction;
14.5.3 if there is an outstanding shortfall on the balance of Your Card;
14.5.4 if We have reasonable grounds to believe You are acting in breach of this Agreement; or
14.5.5 if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions.
14.6 Unless it would be unlawful for Us to do so, where We refuse to complete a Transaction for You in accordance with Condition 14.5 above, We will notify You as soon as reasonably practicable, that it has been refused and the reasons why it has been refused, together where relevant, with the procedure for correcting any factual errors that led to the refusal. We may charge You each time We notify You that Your payment request has been refused.
14.7 You may claim a refund for a Transaction that You authorised provided that:
14.7.1 Your authorisation did not specify the exact amount when You consented to the Transaction; and
14.7.2 the amount of the Transaction exceeded the amount that You could reasonably have expected it to be (taking into account Your previous spending pattern on the Card, the Terms and Conditions and the circumstances of this case). Such a refund must be requested from Our Customer Services team within 8 weeks of the amount being deducted from the Card. We may require You to provide Us with evidence to substantiate Your claim. The refund shall be equal to the amount of the Transaction. Any such refund will not be subject to any fee.
15. CUSTOMER SERVICES
15.1 Our Customer Services team are normally available 24 hours a day, 7 days a week. During these hours We will endeavour to resolve all enquiries immediately, however please note that certain types of enquiry can only be resolved during normal business opening hours. You can contact Our Customer Services team by the following methods:
15.2 Our business opening hours are Monday to Friday, 9am to 5pm. Correspondence received after the close of business on a particular day will be treated as having arrived on the following business day.
15.3 If You are not satisfied with any element of the service You receive, any complaints should also be made to Our Customer Services team using the contact details in Condition 15.1 above. Calls may be monitored or recorded. If You are still unhappy You can forward Your complaint to IDT Financial Services, 57-63 Line Wall Road, Gibraltar.
15.4 If, having exhausted Our complaints procedure, You remain unhappy, You may complain to the Financial Services Commission, PO Box 940, Suite 3, Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar. Tel +350 200 40283, Fax +350 200 40282, e-mail firstname.lastname@example.org, web www.fsc.gi
16. LIMITATION OF LIABILITY
None of the organisations described in Conditions 1.2 and 1.3 will be liable for:
16.1.1 any fault or failure relating to the use of the Card that is a result of abnormal and unforeseeable circumstances beyond Our control which would have been unavoidable despite all Our efforts to the contrary, including but not limited to, a fault in or failure of data processing systems;
16.1.2 the goods or services that You purchase with Your Card;
16.1.3 any loss of profits, loss of business, or any indirect, consequential, special or punitive losses; or
16.1.4. any acts or omissions that are a consequence of Our compliance with any national or European Union law.
In any event the liability of the organisations described in Conditions 1.2 and 1.3 will be limited to the balance of the Card at the time that the event occurs. In addition to the circumstances in Condition 16.1, Our liability shall be limited as follows:
16.2.1 where Your Card is faulty due to Our fault, Our liability shall be limited to the replacement of the Card or, at Our choice, repayment to You of the Available Funds on Your Card; or
16.2.2 where sums are incorrectly deducted from Your Card due to Our fault, Our liability shall be limited to payment to You of an equivalent amount.
16.3 In all other circumstances of Our default, Our liability will be limited to repayment of the amount of any Available Funds on the Card.
16.4 Nothing in this Agreement shall exclude or limit any regulatory responsibilities We have which We are not permitted to exclude or limit, or Our liability for death or personal injury.
16.5 If You have used Your Card or allowed Your Card to be used fraudulently, in a manner that does not comply with these Terms and Conditions, for illegal purposes, or if You have allowed Your Card or details to be compromised due to negligence You will be held responsible for the use and misuse of the Card. We will take all reasonable and necessary steps to recover any loss from You, and there shall be no maximum limit to Your liability except where relevant laws or regulations impose such a limit. This means You should take care of Your Card and details and act responsibly, or You will be held liable.
16.6 The Gibraltar Deposit Guarantee Scheme does not apply to Your Card. This means that in the unlikely event that IDT Financial Services Limited became insolvent, Your Card may become unusable and any funds associated with Your Card may be lost. By using Your Card and by entering into this Agreement You are indicating that You understand and accept these risks.
16.7 As a responsible e-money issuer We take the security of Your money very seriously. Your funds are held in a secure client account, specifically for the purpose of redeeming Transactions made via Your Card. In the unlikely event of any insolvency, funds that have reached Our account will be protected against claims by creditors. We will be happy to talk through any questions or concerns You might have. Please contact Our Customer Services team for further information.
17. YOUR PERSONAL INFORMATION
17.1 We collect certain information about the purchaser and the users of the Card in order to operate the Card programme. Card Compact Limited and IDT Financial Services Limited are Data Controllers of Your personal data, and will manage and protect Your personal data in accordance with the Data Protection Act 1998 (UK) and Data Protection Act 2004 (Gibraltar) respectively.
17.2 We may transfer Your data outside the EU to Our commercial partners where necessary to provide Our services to You, such as customer service, account administration, financial reconciliation, or where the transfer is necessary as a result of Your request, such as the processing of any international Transaction. When We transfer data outside the EU, We will take steps to ensure that Your data is afforded substantially similar protection as data processed within the EU. Please be aware that not all countries have laws to protect data in a manner equivalent to that of the EU. Your use of Our products and services will indicate to Us that You agree to the transfer of Your data outside the EU. You have the right to object to the processing of Your data and to its transfer outside the EU on compelling legitimate grounds.
17.3 Unless You have provided Your explicit permission, Your personal data will not be used for marketing purposes by Us or Our commercial partners (unless You have independently provided Your consent to them directly), nor will it be shared with third parties unconnected with the Card scheme.
17.4 You have the right to request details of the personal information that is held about You, and You may receive this by writing to Us. Where legally permitted, We may charge for this service.
18. CHANGES TO THESE TERMS AND CONDITIONS
18.1 These Terms and Conditions may be changed or amended by Us at any time for legal, regulatory, commercial or security reasons or to enable the proper delivery of or to improve the delivery of the Card scheme.
18.2 If any changes are made they will be publicised on Our Website 2 months before the changes take effect (unless the law requires or permits Us to make a more immediate change or in the event of a change to the exchange rate). Copies of the most up-to-date version of the Terms and Conditions will be made available on Our Website at all times and will be available on request.
18.3 It is Your responsibility to check the Website regularly for changes to Our Terms and Conditions. We will assume that You have done so, and will be entitled to assume You have accepted any changes to these Terms and Conditions if You have not notified Us that You do not accept the change prior to the date the change takes effect and continue to use the Card. If You do not accept a change, You may end this Agreement in accordance with Condition 10.
19. LAW AND COURTS
19.1 The laws of England and Wales apply to these Terms and Conditions and to Our dealings with You and will be subject to the exclusive jurisdiction of the courts of England and Wales.
20.1 We may assign the benefit and burden of this Agreement to another company at any time by giving You 2 months′ notice of this. If We do this, Your rights will not be affected.
21. FEESBasic Fees
Non-Sepa transfer from account Upon Request
Card load fees
Cardholder support fees
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