Terms & Conditions | Gift Card Store

Your use of this site is subject to your acceptance of the following terms and conditions. By proceeding to access and/or use this site and the information contained therein, you acknowledge and agree to these Terms and Conditions. If you do not agree to these Terms and Conditions of use, you are not authorised to access or use this website and you must exit from this website immediately.

GiftCardStore™ Limitations of Liability

Without limiting the operation of any other Terms and Conditions relating to Giftcard Store and any of its products:

  • We do not accept liability for any loss or damage arising from late delivery.
  • We do not accept liability for non-delivery if you provide us with incorrect delivery details.
  • You agree that late delivery does not constitute a failure of our agreement and does not entitle you to cancel an order.
  • We do not accept liability for any loss or damage arising from items lost, stolen or damaged after delivery has taken place.
  • We reserve to right to decline your order.

Copyright and Intellectual Property

The copyright in this website belongs to Corporate Prepaid Cards Pty Ltd ABN 25 092 828 772.

This copyright and the trademarks and any other intellectual property rights belonging to third parties appearing in, or arising from, this website (together, the Intellectual Property) may not be used, copied or reproduced in any way without authorisation from the relevant owner. No licence is granted in respect of any use of any of the Intellectual Property. Unauthorised use of the Intellectual Property and of this website is strictly prohibited. The user agrees to indemnify GiftCardStore™ for any losses that it may suffer or claims to which it may be exposed as a result of unauthorised use of any Intellectual Property or any other information appearing on this website (which includes any such use by non-Australian residents).

Liability Disclaimer

Access to this website and use of any information contained on it, including the use of a credit card or other debit device, or creation of any liability or obligation in connection with the access to or use of the website is at the user’s sole risk. In no event will GiftCardStore™ be liable to you or to any third party for any injury, loss, claim, damage, or any incidental or consequential damages (including but not limited to lost profits or savings) arising out of or in any way connected with the use of this website. We use 128 bit Secure Sockets Layer (SSL) encryption technology to securely transmit your personal information, including your credit card number, over the internet. By using this technology, it is our intention to protect your personal information. However, we cannot guarantee SSL provides 100% security. See our Privacy and Security policy for more information.

Jurisdiction

These Terms and Conditions (including the Privacy Policy) and your use of the GiftCardStore™ website will be governed by and construed in accordance with the laws of Australia and you hereby submit to the jurisdiction of courts in NSW, Australia.

Changing these Terms and Conditions

We reserve the right to amend or change all or any part of the above terms and conditions.

Resolving Problems

If you have a problem with GiftCardStore™, please let us know by emailing contactus@giftcardstore.com.au and we will try to resolve the problem quickly. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA.  AFCA provides fair and independent financial services complaint resolution that is free to consumer.

Website: www.afca.org.au

Email: info@fca.ogrg.au

Telephone: 1800 931 678 (free call)

Returns policy

GiftCardStore™ will not accept returned goods unless required under the Trade Practices Act 1974 (Cth).

Release and Indemnity

You agree to waive any and all claims that you now have or may have in the future against GiftCardStore™ and GiftCardStore™ associates which relate to, or are incidental to, any transaction.

You agree to indemnify and hold GiftCardStore™ harmless from and against any and all claims, loss or expense that may be incurred by GiftCardStore™ or GiftCardStore™ associates which relate to, or are incidental to, the performance of its duties as described in these Terms and Conditions including all costs of defending itself against a claim by any other person and/or as a result of you taking any action or refraining from taking any action or instituting or defending any action or legal proceeding. You further agree to indemnify and hold GiftCardStore™ and GiftCardStore™ associates harmless from any claim made by any third party due to or arising out of your use of this website, the violation of these Terms and Conditions by you, or the infringement by you or other users of this website using your membership account, of any Intellectual property or other right of any person or entity.

Promotions and Competitions

Other terms and conditions not listed herein and applying to GiftCardStore™ promotions and competitions are incorporated into these Terms and Conditions. Unless expressly stated, to the extent that the other terms and conditions are compatible with the Terms and Conditions herein, the other terms and conditions will be in addition to the Terms and Conditions herein. To the extent that the other terms and conditions are incompatible with the Terms and Conditions herein, the other terms and conditions shall prevail. Should you object to any of these Terms and Conditions (including any subsequent amendments), you must immediately discontinue using this website.

Terms and Conditions for the use of VISA or Mastercard Prepaid Gift Cards

1. Physical (Plastic) Gift Cards

Agreeing to the Terms and Conditions

By signing the signature panel on the back of the card, or your activating the card, or your offering the card to a merchant in full or part payment for goods and/or services, you signify your acceptance of these Terms and Conditions.

Where the gift card may or may not be used

The card can be used in any store in Australia or overseas where a Visa or Mastercard prepaid card is accepted, provided the merchant can process it electronically. The card cannot be used for mail or telephone purchases, nor at ATMs. A small number of merchants displaying the Visa logo elect not to accept prepaid Visa gift cards.

Purchases using the card

You may offer your card in full or part payment for goods and services. You may make any number of purchases until the balance has dropped to zero.

If the purchase amount exceeds the balance, you must pay the excess using another payment method (e.g. cash, credit card) acceptable to the merchant. You must not use the card to make or attempt to make transactions that exceed the available balance.

No change will be given.

You cannot “stop payment” on any transaction after it has been completed. If you have a problem with the purchase or a dispute with the merchant, you must deal directly with the merchant.

All transactions (whether by you or someone else) are your responsibility, subject to these Terms and Conditions.

2. Virtual Gift Cards

Agreeing to the Terms and Conditions

By activating the card or offering the card number to an online merchant for full or part payment for goods and/or services, you signify your acceptance of these Terms and Conditions.

Where virtual gift cards may or may not be used

Virtual Prepaid Mastercards can be used for shopping on the internet or over the phone at any merchant around the world that accepts Mastercard for card not present transactions.

It cannot be used for face to face transactions at merchants, financial institutions or ATMs. To make payments with the Mastercard Virtual Gift card, you will need to provide the Mastercard number, the expiry date and 3-digit CVC number.

Purchases using virtual cards

You may offer your card in full or part payment for goods and services. You may make any number of purchases until the balance has dropped to zero.

No change will be given.

The account cannot be used to make transactions that exceed the available balance.

You cannot “stop payment” on any transaction after it has been completed. If you have a problem with the purchase or a dispute with the merchant, you must deal directly with the merchant.

All transactions (whether by you or someone else) are your responsibility, subject to these Terms and Conditions.

 

Checking your card’s available balance and transaction history

You can check your card’s available balance or view your transactions with the card at any time by visiting www.universalgiftcard.com.au or contacting 1800 174 239.

You need to enter your card number, your four-digit authentication code and 3-digit CVV to access these details.

 

Validity and expiry of the card

For security reasons, your card must be activated before you can use it. To activate your card, please visit www.universalgiftcard.com.au within 3 months of receiving the card and enter the card number and the four digit authentication code as shown in the letter accompanying the card. Funds will be transferred to your card on the first business day after activation. If you are in NSW and fail to activate within 3 months, you need to ring 1800 174 239 and we will reactivate your account by sending you a new card free of charge. Cards have a 12-month expiry, except in NSW where cards have a 36-month expiry.

 

No top-ups. No cash advances. No refunds.

This is a single-load card so you cannot top up the spending power on your card with additional funds -. You cannot obtain a cash advance with your card or redeem your card for cash or return the card for a refund. The card is not linked to a bank account or similar account in your name. From the expiry, revocation or cancellation of the card, you have no right to the card’s balance and the issuer has no further liability to you regarding the balance. The issuer of the card, Heritage Bank Limited ABN 32 087 652 024 AFSL / ACL 240 984, deals with the balance according to its arrangements with Corporate Prepaid Cards Pty Ltd.

Authorised transactions: we can treat a transaction with a merchant accepting pre-paid Mastercard or Visa cards as authorised by you:

  • if you present the card to pay for a purchase and sign a docket recording the purchase;
  • when the card is used in conjunction with electronic equipment;
  • when the card details are given in a way acceptable to the Issuer, such as via the internet.

Lost or stolen or damaged card

You should treat an activated card as if it were cash. If you lose the card, or if it is stolen, please phone 1800 174 239 immediately so the card can be disabled.

We will not reimburse you for any transactions conducted by an unauthorised person prior to your informing us of the card’s loss. You will be protected from any subsequent loss if you satisfy certain conditions.

If the available balance on the lost, stolen or damaged card exceeds $15 at the time you phone, you may order a replacement card for which a fee of $15 will be charged by deduction from the card’s balance.

 

Other Fees

Foreign exchange fees

If your card is used for purchases in any currency other than Australian dollars or with any merchant located outside Australia, a foreign exchange fee applies.  This is 3% of the Australian dollar amount of the transaction, calculated according to Visa or Mastercard’s prevailing exchange rate.

 

Liability

To the extent permitted by law, we will not be liable to you for any loss or damage (whether direct or consequential), nor be in default under these Terms and Conditions for failure to observe or perform any of our obligations under these Terms and Conditions for any reason or cause. We accept no liability for any failure to authorise a purchase transaction (even if the balance exceeds the purchase amount at the time of the authorisation request) if such failure has resulted from the application of prudent risk management tools or if the terminal or system was not working properly. We may restrict or stop the use of a card if excessive use or other suspicious activities are noticed.

You will not be liable for losses resulting from unauthorised transactions where it is clear that you have not contributed to the loss.

You will not be liable for losses resulting from unauthorised transactions that are caused by the fraudulent or negligent conduct of:

  • our staff or agents;
  • companies involved in networking arrangements; or
  • merchants who are linked to the electronic funds transfer system or of their agents or employees.

You will not be liable when unauthorised transactions:

  • result from the use of the card before you have received the card
  • are made with forged, faulty, expired or cancelled cards or identifiers (as applicable) when you were not responsible for this; or are the result of the same transaction being incorrectly debited more than once to the same available balance.

You will not be liable for unauthorised transactions unless you or the Cardholder concerned have unreasonably delayed notifying us of the loss, theft or Unauthorised Use of the Card.

Where we can prove that on the balance of probability you or a Cardholder contributed to the losses caused by an Unauthorised Transaction through your or a Cardholder’s fraud, or by failing to comply with the Security Requirements, then you will be liable for the actual losses which occur before we are notified of the loss, theft or misuse of the Card or a breach of the Security Requirements.

However, you will not be liable for any loss on any day, or in any period, exceeding any applicable transaction limit for that day or period and you will not be liable for loss in excess of the Available Balance of the Card.

Disclaimers

We are not liable:

  • if we do not authorise a purchase transaction (even if the available balance immediately before the authorisation request exceeds the amount of the transaction);
  • if circumstances beyond our control prevent a transaction;
  • for any failure due to events outside our reasonable control;
  • for any industrial dispute;
  • for the way in which any refusal to accept the card is communicated;
  • for any indirect, special or consequential losses;
  • for any infringement by you of any currency laws in the country where the card is issued or used;
  • in relation to any dispute between you and the supplier of any goods or services purchased with the card;
  • if we take any action required by any government, federal or state law or regulation or court order; or
  • for anything specifically excluded or limited elsewhere in these Terms and Conditions.

Our liability in any event will not exceed the amount of the available balance.

You are not liable for any loss caused by the failure of a system or equipment provided by any party to a shared electronic network to complete a transaction accepted by the system or equipment in accordance with your instructions. However, if you or the Cardholder concerned were aware, or should have been aware, that the system or equipment was unavailable or malfunctioning, our responsibility will be limited to (a) correcting any errors; and (b) refunding any charges or fees imposed as a result.

Although considerable effort is expended to make our website and other operating communication channels available at all times, no warranty is given that these channels will be available and error-free every minute of every day. We accept no liability for the performance, safety or any other attribute of the goods and services purchased with the card. Any complaints about the goods or services purchased with the card should be addressed to the merchant from whom they were obtained.

Privacy and confidentiality

We are committed to adhering to the Australian Privacy Principles.

You agree that telephone calls to customer service may be recorded or monitored for quality control or security purposes.

Complaints

If you have a complaint or suggestion, please contact Gift Card Store at PO Box 177 Balmain NSW 2041 Australia or by email to contactus@giftcardstore.com.au and we will try to resolve a problem or adopt your suggestion promptly. If appropriate, we may invoke the dispute resolution system of the card Issuer.

Communications

You agree that we may give written notices or other communications to you either by writing to you at your residential or postal address last known to us or, if the notice or communication is not personal to you, by publishing a notice in a newspaper circulating nationally in Australia.

Changes to Terms and Conditions

We reserve the right to change the Terms and Conditions at any time.

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