Cardholder Eftpos Terms and Conditions

This card ('Card') is issued by EML Payment Solutions Limited ABN 30 131 436 532, AFSL 404131 (also referred to as 'EML/we/us/our'). EML is the issuer of the Card and has authorised Edge Loyalty Systems Pty Ltd ABN 96 138 299 288 ('Edge'), to distribute the Card. In these terms and conditions ('Terms and Conditions') 'you' are the Card purchaser or user. By agreeing to the Terms and Conditions herein, you agree to a contractual relationship with EML.

By using the Card, you agree to be bound by these Terms and Conditions. All users of the Card must be provided with these Terms and Conditions.

Activation, Using the Card and Expiration

1. The Card is an eftpos prepaid gift card that must be activated within the date specified on the letter you receive with your Card.
2. To activate the Card you must go online to www.giftcardplanet.com.au and enter the Card details. Once activated, funds are available by 12 pm the following business day.
3. Cards are valid for a minimum of three years from the date of activation until the end of the valid through date printed on the Card and/or Card carrier. The Card cannot be used after expiry and cannot be replaced unless we are required to do so under these Terms and Conditions or by law. At expiry, the remaining balance will be forfeited. We will not give you any notice before this happens.
4. To check the Card balance and Card expiry visit www.giftcardplanet.com.au.
5. The Card can be used for purchasing goods and services wherever eftpos cards are accepted for electronic transactions.

Limitations of the Card

6. This Card is not reloadable.
7. The Card is not a credit card and nor is it linked to a deposit account with EML.
8. 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.
9. The Card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments.
10. Transactions made using the Card may be declined at some merchants (such as gambling merchants or merchants who choose not to accept eftpos prepaid gift cards).
11. Your use of the Card at a participating merchant is subject at all times to the policies (and, where applicable, other terms and conditions) of that participating merchant regarding the goods and services made available by it.
12. Cards cannot be used towards the purchase of any other gift cards or vouchers at participating merchants.

Waivers

13. We are not liable in any way if/when a payment transaction is declined for any particular transaction except to the extent that the liability is caused by our fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents) (for example where the authorisation has been declined because of an act or omission on our part).
14. The Card is like cash and may not be replaced if misused, lost, stolen or damaged. You are responsible for all transactions on the Card, except where there has been fraud, wilful misconduct or negligence by our officers, contractors, staff or agents. If you notice any error relating to the Card, you should notify Edge immediately on 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST) or alternatively you can send an email to info@giftcardplanet.com.au.

Refunds

15. Any refunds on Card transactions are subject to the policy of the specific merchant.
16. If the Card expires or is revoked in accordance with these Terms and Conditions 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.

Disputes & Complaints

17. If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact Edge immediately on 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST) or alternatively you can send an email to info@giftcardplanet.com.au.
18. If you wish to make a complaint about your Card you can send an email to info@giftcardplanet.com.au. If you want to escalate your complaint you can do that by sending an email to support@emlpayments.com.au.

Disclaimers

19. The Card remains the property of EML and we may restrict, revoke or stop the use of the Card with at least 14 days notice to you. However, we may revoke the Card immediately and without notice if:
    • we have reason to suspect the Card has been or is likely to be misused;
    • you breach any of these Terms and Conditions and we reasonably consider that this is likely to have a material impact on your ability to meet the obligations of these Terms and Conditions;
    • we have reason to suspect any illegal use of the Card, such as fraud or criminal activity; or
    • you gave us or EML false, inaccurate or incomplete information when you applied for the Card.
20. You are responsible for checking your transaction history online and knowing your available balance by viewing transaction activity online at www.giftcardplanet.com.auor by phoning 1300 079 267 (8am-6pm Monday to Friday AEST, 9am-5pm Saturday AEST).
21. Information about the Card and transactions made with the Card will be collected and disclosed to third parties in accordance with our privacy policy, to the extent permitted by law, and also where necessary to operate the Card and process transactions. A full privacy policy can be viewed at www.giftcardplanet.com.au.
22. Subject to clause 23, 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, or the change is materially adverse to you, you will not receive advance notice of such changes.
23. If the change is materially adverse to you, we will notify you at least 20 days before the effective date of the change. Changes will be notified via www.giftcardplanet.com.au. However, if the change is made for one or more of the following reasons we can implement such change without prior notice:
    • to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
    • to reflect any decision of a court, ombudsman or regulator;
    • for security reasons where reasonably necessary to address security concerns or vulnerabilities.
24. The current version of the Terms and Conditions can be viewed at www.giftcardplanet.com.au.