Terms and Conditions – uChoose Visa Prepaid Gift Card
These Conditions of Use set out the Terms and Conditions for your uChoose Visa Prepaid Gift Card. It is important you read this document carefully.
The Issuer of the Card is Oxygen Global Pty Ltd ABN 41 162 667 843, AFSL 452 187. Oxygen is authorised to provide general financial product advice and to issue deposit and payment products limited to non-cash payment products to retail and wholesale clients.
212F Pty Ltd (212F) ABN 70 106 450 631 is the distributor of the Card and is responsible for providing various cardholder services. In these Conditions of Use any reference to ‘we’ or ‘us’ is a reference to the Issuer; ‘you’ are the Card user.
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By signing the back of the Card, or using the Card, you agree to be bound by these Terms and Conditions. The Card may only be used by the person who has signed it. The Card must be signed before use. You must give these Conditions to the user of the Card if it is not you. The Card remains our property. Once a Card has been signed neither it, nor the contract between you and us is transferable by you.
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The Card is not reloadable. You may use the Card as often as you like until the available balance is spent or the Card expires. The Card cannot be used after expiry. At expiry, the remaining available balance will be forfeited. We will not give you any notice before this happens. The Card cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees.
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The Card is a Visa Prepaid Card that can be used for purchasing goods and services where Visa Prepaid Cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). The Card is not a credit card, nor is it linked to a deposit account with us.
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Some merchants may choose not to accept Visa Prepaid cards. Merchants or other providers may impose limits on the use of your Card. We are not responsible if a merchant refuses to accept a Card. Should you have a complaint or concern about goods or services purchased with your Card, you must resolve this directly with the merchant. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.
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The Card cannot be used to obtain or redeem cash (for example at ATM’s or over the counter at financial institutions) and cannot be used for making direct debit, recurring, or regular instalment payments. Authorisations may be declined at some merchants (such as gambling merchants or merchants who choose not to accept Visa Prepaid Cards). We are not liable in any way when an authorisation is declined for any particular transaction except where the authorisation has been declined because of an act or omission on our part.
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When using the Card with some merchants (such as hotels, taxis, rental car companies, restaurants and cruise ships) or for mail order purchases, Card "tolerance limits" may apply. This means that the authorisation or approval obtained on the Card can be for an amount up to 15% or more than the total bill (or anticipated bill) to cover additional items such as tips and incidentals or to ensure that adequate funds are available to cover the final purchase. Only the amount you sign for will be debited from your available balance once the approval clears.
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You agree to pay us the fees and charges as shown below. We will deduct any fees from the Available Balance and reduce the Available Balance accordingly. Should the available balance be less than the fee, the remaining balance will be reduced to zero.
All fees and charges are expressed in Australian dollars and are inclusive of any applicable GST.
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Online Balance and Transaction History |
Free |
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Automated telephone enquiry |
$1.20 |
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Live Agent telephone enquiry
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$3.99 |
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Monthly Maintenance Fee: Charged from the 4th month from issue
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$2.50 |
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Foreign Exchange Fee: If the Card is used for purchases with any merchant outside of Australia or any currency other than Australian dollars *(see below)
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3.5% of the AUD amount of the transaction |
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Card Expiry Fee |
Balance of the Card at the time of expiry |
*When you make a transaction on your Card in a currency other than AUD, a foreign conversion will be performed at the applicable exchange rate and a Foreign Currency Conversion Fee will be applied to the AUD amount of the transaction. The applicable exchange rate used is either: a) a wholesale market rate selected by Visa from a range of wholesale rates one day before the transaction is processed by Visa; or b) the government-mandated rate in effect for the applicable processing date.
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To protect your card you should:
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Sign it as soon as you receive it;
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Carry it with you whenever you can;
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Not allow anyone else to use a Card that you have signed.
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The Card is like cash. We have no obligation to replace or refund amounts for misused, lost or stolen Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these Terms and Conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide).
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Disputed Transactions:
For disputed transactions (including unauthorised transactions), the following will apply. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance and transaction history free of charge at uchoose.mycardplace.com. For disputed transactions you should contact uChoose immediately by calling 1800 821 225 or by the Contact Us tab on the website printed on the back of your card. Visa Scheme Rules impose time limits after the expiry of which our ability to dispute a transaction on your behalf may be lost. We may not be responsible for any loss to you where it can be shown that you have unreasonably delayed notifying us.
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Complaints:
We will handle complaints in accordance with the following process. If you have a complaint about the Product or our services, please contact uChoose by calling 1800 821 225 or by the Contact Us tab on the website printed on the back of your card. We will acknowledge your complaint promptly, either verbally or in writing, and do our best to resolve it straight away. If we can’t resolve your complaint within 5 business days, we will provide you with a written response providing the final outcome no later than 30 days. We aim to resolve all complaints within 21 days. However, in some cases it may take up to 30 days. Your complaint may take a little longer to assess if we need more information or if your complaint is complex. In all cases, we’ll keep you updated on the progress. You can ask for information about how we manage complaints in alternative formats and languages upon request by calling 1800 821 225. If you have a hearing or speech impairment, you can access additional support through the National Relay Service on 1300 555 727.
If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides free and independent financial services complaint resolution and can be contacted on:
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
Mail: GPO Box 3, Melbourne VIC 3001.
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
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Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law, required by law, and also where necessary to operate the Card and process transactions. A full privacy policy can be viewed free of charge at uchoose.mycardplace.com
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We reserve the right to change these Terms and Conditions at any time. Except where we are required by a law or a Code to do so, you will not receive advance personal notice of such changes. Changes will be notified via the website or by using another method that the law or relevant Code allows or requires us to use. The current version of these Terms and Conditions can be viewed free of charge at uchoose.mycardplace.com
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If we fail to exercise or delay in exercising any of our rights under these Terms and Conditions, that failure or delay does not constitute a waiver of our rights. These Terms and Conditions are governed by the law of Victoria.
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