T&C's for cards issued prior to August 2017
TERMS AND CONDITIONS
“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.
“Business Day” means any day other than a Saturday, Sunday or national public holiday on which banks are open for business in Gibraltar, United Kingdom and Norway.
“Card” “Easipay Card”, or “Pre-paid Mastercard Card” means a physical or virtual electronic money card issued by Us to You.
“Commencement Date” means the date You commence using the Card or activate it.
“Contactless” means a payment feature that provides cardholders with a way to pay by tapping the Card on a point-of-sale terminal reader for transactions of up to a specified limit.
“Expiry Date” means the date printed on Your Card which is the date Your Card will cease to work.
“Fee” means any fee payable by You as shown in Clause 22 and on Our Website.
“PIN” means Your unique personal identification number which is provided to You for use with Your Card.
“Username and Password” means a set of personal codes.
“We”, “Us” or “Our” means IDT Financial Services Limited or Card Compact Limited acting on its behalf.
“Website” means our website www.easipaycard.com
“You” or “Your” refers to the cardholder.
1. INFORMATION ON WHO WE ARE AND THIS AGREEMENT
1.1 This Agreement sets out the general terms and conditions that apply to the Card, this document forms an Agreement between You and Us governing the possession and use of the Card. By using the Card or activating it (see Clause 2.3 below) You agree to the terms and conditions in the Agreement. Copies of this Agreement can be found on the Website or by contacting Our customer services team in accordance with clause 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 483 Green Lanes, London N13 4BS, United Kingdom. Card Compact also provides customer support for Cards as set out in clause 15 below.
1.4 This Agreement will commence on the Commencement Date and will terminate in accordance with clause 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 virtual prepaid Card is designed for use in online shops and for telephone purchases where the Card is not required to be physically present. The physical Card may be used in shops and retail locations where You are physically present or for online and other distance transactions. Your physical Card (if not a virtual Card and only if enabled) can be used to make cash withdrawals from ATMs and banks that agree to provide this service. 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. You will not be able to use Your Card to make any purchases from some retailers; such retailers have been blocked by Our systems in order to prevent the potential use of cards for unauthorised or unlawful activity.
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 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 www.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. Reloading fees apply ( see clause 22).
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 clause 17 for more information.
3.2 In order to obtain a Card, You must be at least 18 years old and a Norwegian resident. 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 activation 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 You as the account address. The account address is also the address to which We will send any correspondence.
3.8 You 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 this Agreement. All fees and charges may be found in clause 22 as well as on Our Website or issued to You upon request by emailing customer services support(@)cardcompact.com. You should be aware that other taxes or costs may exist that are related to the Card but are not paid via Us or imposed by Us.
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 clause 9.1 of this Agreement.
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 or secondary 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 physical Card should be signed on the signature strip located on the back of the Card
5.2 We will be entitled to assume that a transaction has been authorised by You (and You have therefore given Your consent) where either:
5.2.1 In the case of a Physical Card;
220.127.116.11 the magnetic strip on the Card was swiped by the retailer or the Card was inserted into a chip & PIN device; or
18.104.22.168 the Card PIN was entered or a sales slip was signed;
5.2.2 in the case of either physical or virtual Card; or
22.214.171.124 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 the Card in the case of an internet or other non face-to-face transaction.
126.96.36.199 Your Card is tapped against a Contactless-enabled reader and accepted by such reader.
5.3 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 You have authorised a transaction, the transaction cannot be stopped or revoked. However, You may in certain circumstances be entitled to a refund in accordance with clauses 13 and 14.
5.4 On receipt of notification of Your authorisation of a transaction and the transaction payment order, normally We will deduct the value of the transaction, plus any applicable fees and charges, from the Available Funds on the Card. The transactions will be executed as follows:
5.4.1 Within the European Economic Area We will execute any transaction:
188.8.131.52 in euro;
184.108.40.206 in sterling or Gibraltar pounds within Gibraltar or between Gibraltar and the United Kingdom in sterling; and
220.127.116.11 involving only one currency conversion between the euro and sterling, provided that the required currency conversion is carried out in Gibraltar and, in the case of cross-border transactions, the cross-border transfer takes place in euro,
by transferring the amount of the transaction to the payment service provider of the retailer by the end of the next Business Day following the receipt of the payment order.
5.4.2 Any other transactions within the European Economic Area will be executed no later than 4 Business Days following the receipt of the payment order.
5.4.3 If the payment service provider of the retailer is located outside the EEA, We will execute the transaction as soon as possible.
5.4.4 The payment order will be received when We receive it from the retailer’s payment service provider, automated teller machine (ATM) operator or directly from You. If We receive the payment order on a non-Business Day or after 4:30 pm on a Business Day, it will be deemed received by Us on the following Business Day.
5.5 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.
5.6 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.
5.7 You have the option to transfer Your Available Funds or part of Your Available Funds from Your Card to other Cards. If You instruct Us to make a transfer from Your Card to another Card, the requested amount will be debited from Your Card and credited to the Card You have instructed Us to transfer Your Available Funds or part of Your Available Funds to.
5.8 You are able to use Your card to enable Contactless transactions. When using Your card for Contactless transactions, a maximum limit will apply. The limit is regulated by Mastercard and may vary from time to time. We will advise You what the limit is and of any changes to the limit on Our Website.
5.9 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 Mastercard International https://www.mastercard.com/global/currencyconversion/. 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. Changes in the exchange rates may be applied immediately and without notice. 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 clause15. You will also be notified of any applicable exchange rate for each transaction in Your online account, which is updated on a regular basis during each day..
5.10 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.
5.11 If You do not use Your Card for 90 consecutive days, We will charge You a Monthly Inactivity Fee (see clause 22), which will continue until (i) You start using the Card again, (ii) any remaining Available Funds are depleted, or (iii) termination of the Agreement, whichever is sooner.
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.
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, car hire, payments at automated fuel dispensers, or for any illegal purposes.
6.4 You may reload subject to Your agreed limits. For the purposes of preventing fraud, money laundering, terrorist financing or any other financial crime We reserve the right to vary these limits and to decline any reload at any time. 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 Our Website, however, should You have any questions about ways to load Your Card please contact Our customer services team in accordance with clause 15. Load fees are detailed in clause 22 below.
6.5 In some circumstances We or retailers 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.
6.6 Any preauthorisation amount (such as a hotel booking or car hire) will place a “hold” on Your Available Funds until the retailer sends Us the final payment amount of Your purchase. Once the final payment amount is received, the preauthorisation amount on hold will be removed. It may take up to 30 days for the hold to be removed. During the hold period, You will not have access to the preauthorised amount.
6.7 If You use Your Card at a fueling station, subject to retailer acceptance, Your Card may need to be pre-authorised for €50 or more. If You do not use the whole pre-authorisation or do not have Available Funds 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.
6.8 Some retailers may not accept Your Card. It is Your responsibility to check the policy with each retailer. We accept no liability if a retailer refuses to accept Your Card.
7. MANAGING YOUR CARD
7.1 You will need access to the internet to manage the Card. You may check the balance and Available Funds on Your Card or view a statement of recent transactions which will be updated daily by visiting the Website www.easipaycard.com or alternatively You may call Our customer services team for this information in accordance with clause 15 below.
8. EXPIRY OF THE CARD
8.1 Your Card will expire on the Expiry Date. On that date, subject to clause 8.2 below, this Agreement will terminate in accordance with clause 10, the Card will cease to function and You will not be entitled to use the Card.
8.2 Provided Your Card remains active and is operated in accordance with this Agreement, We will automatically issue You with a new Card 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 clause 8.2 above, will be described on the Website. The “cooling off” period described in clause 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, Am Schanzl 10, Passau 94032, Germany, , unsigned and unused within 14 days of receipt 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 clause 9.1 above, You may terminate this Agreement in accordance with clause 10.3 and redeem all of the Available Funds on the Card by contacting Our customer services team in accordance with clause 15. Where You request this, You will be charged an account closure fee in accordance with clause 22. Upon the Expiry Date and termination of the Agreement, You may redeem all of the Available Funds on the Card. Before termination and during Your Agreement with Us You may redeem some or all of the Available Funds by contacting Our customer services team in accordance with clause 15. We will deduct any account closure fee payable to Us from the Available Funds on the Card and will normally 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 account closure 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 account closure fee.
9.3 If You request redemption of the entire remaining balance in accordance with clause 9.2, We will assume that it is Your intention to terminate this Agreement and will cancel Your Card
9.4 If for any reason You have some Available Funds left following the termination of the Agreement, You may redeem them in full at any time. If You do not redeem the Available Funds during the first twelve months after termination of the Agreement. From the 13th month, We will charge You an expired Card fee as detailed in clause 22, which will continue until (i) You redeem the Available Funds, or (ii) any remaining Available Funds are depleted.
10. TERMINATION OF THIS AGREEMENT
10.1 Subject to clauses 10.2 and 10.3, this Agreement will terminate 3 years from the date on which You accept this Agreement in accordance with clause 1.1 subject to:
10.1.1 a replacement Card being issued to You on the Expiry Date of Your Card in accordance with clause 8.2; or
10.1.2 a request for cancellation by You and/or redemption by You of the entire remaining balance on Your Card in accordance with clause 9.2 above. There are no cancellation fees but account closure fees may apply in accordance with clause 22.
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  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.
10.2.4 if there is no activity on Your Card for a period of 6 consecutive months or more. We will give you notice of this as per clause 10.2.5 below.
10.2.5 on provision of two months’ notice.
10.3 You may terminate the Agreement at any time by contacting Us using the contact details in clause 15.1. If You do so before the Expiry Date, You will be charged an account closure fee when redeeming Your Available Funds upon termination.
10.4 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 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 otherwise in accordance with clause 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 If You have been issued a physical Card, You must keep the 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;
11.3.2 never writing down the PIN;
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.
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 OR OTHERWISE. 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 If You lose Your Card or it is stolen or damaged or You suspect it has been used by someone else, please notify Us immediately without undue delay by telephoning Our customer services team on + 49 (0)1805 666026 in accordance with clause 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 clause 22 for further details. The “cooling off” period described in clause 9 does not apply to replacement Cards
12.3 Replacement Cards will be posted to the most recent account address registered by You.
12.4 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.
12.5 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 AND CARD SUSPENSION
14.1 If You believe You did not authorise a particular transaction or that a transaction was incorrectly carried out, in order to get a refund You must contact Our customer support team without undue delay - as soon as You notice the problem, and in any case no later than 13 months after the amount of the transaction has been deducted from the Card. We will immediately (and no later than close of business on the day the refund was requested) refund any unauthorised transaction and any associated transaction fees and charges payable under this Agreement subject to the rest of this clause 14. If the refund request is received on a non-business day or after 4:30 pm on a business day, We will make the refund at the beginning of the next business day. If We are liable for an incorrectly executed transaction, We will refund without undue delay the transaction and any associated transaction fees and charges payable under this Agreement. Depending on the circumstances, Our customer support team may require You to complete a dispute declaration form. We may conduct an investigation either before or after any refund has been made. We will let You know as soon as possible the outcome of any such investigation.
14.2 We will limit Your liability to €150/1,200 NOK for any losses incurred in respect of unauthorised transactions subject to the rest of this clause 14.
14.3 You will be liable for all losses incurred in respect of an unauthorised transaction if:
14.3.1 You have acted fraudulently; or
14.3.2 have intentionally or with gross negligence failed to:
18.104.22.168 look after and use Your Card in accordance with the Agreement; or
22.214.171.124 notify Us of the problem in accordance with clause 12.1.
14.4 Except where You have acted fraudulently, You will not be liable for any losses incurred in respect of an unauthorised transaction:
14.4.1 which arise after Your notification to Us; or
14.4.2 where the Card is used in a distance contract, for example, for an online purchase.
14.5 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 transaction including but not limited to the cost of any investigation carried out by Us in relation to the transaction. We will give You reasonable notice of any reverse refund.
14.6 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 clause 15 and present relevant evidence to show that the transaction has been cancelled or reversed.
14.7 In certain circumstances, We may refuse to complete a transaction that You have authorised. These circumstances include:
14.7.1 if We have reasonable concerns about the security of Your Card or We suspect Your Card is being used in a fraudulent or unauthorised manner;
14.7.2 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;
14.7.3 if there is an outstanding shortfall on the balance of Your Card;
14.7.4 if We have reasonable grounds to believe You are acting in breach of this Agreement;
14.7.5 if there are errors, failures (mechanical or otherwise) or refusals by retailers, payment processors or payment schemes processing transactions; or
14.7.6 if We are required to do so by law.
14.8 Unless it would be unlawful for Us to do so, where We refuse to complete a transaction for You in accordance with clause 14.7 above, We will notify You as soon as reasonably practicable, that it has been refused and the reasons for the refusal, together where relevant, with the procedure for correcting any factual errors that led to the refusal.
14.9 We may suspend Your Card, in which case You will not be able to use it for any transactions, if We have reasonable concerns about the security of Your Card or We suspect Your Card is being used in a fraudulent or unauthorised manner. We will notify You of any such suspension in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will lift the suspension and, where appropriate, issue a new Card free of charge as soon as practicable once the reasons for the suspension cease to exist
14.10 You may claim a refund for a transaction that You authorised provided that:
14.10.1 Your authorisation did not specify the exact amount when You consented to the transaction; and
14.10.2 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 Agreement and the relevant circumstances.
Such a refund must be requested from Our customer support 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. Any refund or justification for refusing a refund will be provided within 10 business days of receiving Your refund request or, where applicable, within 10 business days of receiving any further evidence requested by Us. Any refund shall be equal to the amount of the transaction. Any such refund will not be subject to any fee.
15. CUSTOMER SERVICES AND COMMUNICATION
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 or on a non Business 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 clause 15.1 above. Calls may be monitored or recorded for training or quality purposes.
15.4 We do everything We can to make sure You receive the best possible service. However, if You are not happy with how Your complaint has been managed by Our customer care team and You wish to escalate Your complaint, You should contact the card issuer, IDT Financial Services Limited, PO Box 1374, 1 Montarik Building, 3 Bedlam Court, Gibraltar, email address: firstname.lastname@example.org, web www.idtfinance.com in the first instance for further assistance.
15.5 If, IDT Financial Services Limited is unable to resolve Your complaint and You remain unhappy, You may contact the Gibraltar Financial Services Commission, PO Box 940, Suite 3, Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar. E-mail email@example.com, web www.fsc.gi.
16. LIMITATION OF LIABILITY
16.1 None of the organisations described in clauses 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 clauses 1.2 and 1.3 will be limited to the balance of the Card at the time that the event occurs.
16.2 In addition to the limitations set out in clause 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 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 this Agreement, for illegal purposes, or if You have allowed Your Card or details to be compromised due to Your gross 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. IDT Financial Services Limited and Card Compact Limited are Data Controllers of Your personal data, and will manage and protect Your personal data in accordance with Data Protection Regulations 2018 (GDPR) (Gibraltar) and the Personal Data Act 2000 (as amended) (Norway) Personal Data Act 2000 (as amended) (Norway) and the Personal Data Regulations.
18. CHANGES TO THIS AGREEMENT
18.1 Subject to the rest of this clause 18 this Agreement 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., or for any other reasons.
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 Agreement will be made available on Our Website at all times and will be sent to You by email upon request free of charge at any point during the Agreement.
18.3 We will notify You of any change to the Agreement by email 2 months in advance. You will be deemed to have accepted the change if You do not notify Us prior to the date the change takes effect and continue to use the Card. If You do not accept the
change, You may end this Agreement immediately and free of charge before the expiry of the 2 month notice.
19. LAW AND COURTS
19.1 The Agreement, and Your relationship with Us arising out of or relating to the Agreement, will be governed by English law and, where European Union law so requires, such national consumer laws that provide greater consumer protection than is available
under English law. All disputes arising out of or relating to the Agreement shall be subject to the jurisdiction of the Gibraltar courts, except where European Union law requires a specific dispute to be resolved by the courts of another jurisdiction.
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.
21.1 If any term or provision in the Agreement shall be held to be illegal or unenforceable, in whole or in part, under any enactment or rule of Law, such term or provision or part shall to that extent be deemed not to form part of the Agreement but
the validity and enforceability of the remainder of the Agreement shall not be affected.
• Monthly Maintenance fee ( primary Card) Kr 20 / € 2,5 (only charged from year 4)
• Physical primary card issuing fee Kr 560 / € 59,00
• Issuing additional card Kr 90 / € 10,95
• Annual fee kr190 / €19.95 (only charged from year 4)
• Monthly Inactivity Fee (after 90 days with no activity) – Kr 20 / € 2,50
• Monthly expired Card fee (after 12 months post Expiry) - Kr 20/€2.50
• SEPA or domestic transfer from account Kr 12/ €1,50
• ATM withdrawal (ID L2 and above) Kr 16 / €2
• Card to Card receive Kr 20 / €2.50
• POS (stores etc.) 1.75% of the transaction with a minimum non- domestic fee Kr 8 / € 1
• Card to card send (ID L2 and above) Kr 20 / €2.50
• Foreign Exchange Fee 2.75% of the transaction.
Card load fees
• Cash deposit Kr 12 / € 1.50
• Bank transfer 1% of load value minimum Kr 12 / €1.50
• SEPA or domestic transfer Kr 8 / €1.00