Roma Est Prepaid MasterCard Gift® Card Terms and Conditions
These terms and conditions apply to your Gift Card. You must read them carefully. In these terms and conditions "you" means the named Gift Cardholder and the authorised user of the Gift Card. "We", "us" or "our" means Wirecard Card Solutions Ltd (WDCS), Wirecard Card Solutions Ltd, 3rd Floor, Grainger Chambers, 3-5 Hood Street, Newcastle Upon Tyne, NE16JQ, England, United Kingdom, Centro Servizi Srl or Centro Commerciale Roma EST acting on its behalf. “Website” means our website at www.romaest.cc
1. Your Gift MasterCard® Card
You can use the Gift Card in all stores that display the MasterCard® Acceptance Mark. Before using the Gift Card you need to make sure there are enough funds loaded on it. You will not be able and should not attempt to use your Gift Card after its expiry date.
Your Gift Card is not a credit card and can only be connected to your bank account for the purposes of loading the card. You will not earn any interest on any funds loaded on your Gift Card.
2. Applying for and activating your Gift Card
To apply for our Gift Card you must be at least 18 years old. We will require evidence of who you are and your address. We may ask you to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.
You must sign the signature strip on the back of the Gift Card as soon as it is received.
By using the Gift Card you are agreeing to these terms and conditions.
3. Loading your Gift Card
Upon receipt, your funds will be available for use without delay.
The balance on your Gift Card can never exceed €1250. We reserve the right to refuse to accept any particular loading transaction.
4. Using your Gift Card
Detailed instructions on how to use your Gift Card are found on the Website. You will need to follow these instructions when using your Gift Card.
We will deduct the value of your transactions from the balance on your Gift Card. We will also deduct any applicable fees as soon as they become payable by you, see our Fees section below for details of our fees.
The Gift Card belongs to us. We may ask you to stop using your Gift Card and return it to us or destroy it. We may at anytime suspend, restrict or cancel your Gift Card or refuse to issue or replace a Gift Card for reasons relating to the following:
- we are concerned about security of your account or Gift Cards we have issued to you;
- we suspect your account is being used in an unauthorised or fraudulent manner;
- or we need to do so to comply with the law.
If we do this, we will tell you as soon as we can or are permitted to do so after we have taken these steps.
Like other payment cards, we cannot guarantee a retailer will accept your Gift Card. We may also refuse to pay a transaction:
- if we are concerned about security of your Gift Card or we suspect your Gift Card is being used in an unauthorised or fraudulent manner;
- if sufficient funds are not loaded on your Gift Card at the time of a transaction to cover the amount of the transaction and any applicable fees;
- if there is an outstanding Shortfall on the Gift Card in accordance with condition 12;
- if we have reasonable grounds to believe that you are acting in breach of this agreement;
- if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or
- because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.
If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting us on 800192090.
5. Authorising Transactions
Subject to the features of the particular Gift Card, the authorisation of a transaction can include authorising any single transaction.
A Gift Card transaction will be regarded as authorised by you where you;
authorise the transaction at the point of sale by following the instructions provided by the
merchant or retailer to authorise the transaction, which may include:
a) signing a sales voucher;
b) providing the Gift Card details and/ or providing any other details as requested;
c) waving/swiping the Gift Card over a card reader or inserting your Gift card into a card reading device for the purpose of making a payment
6. Cancellation and expiry of your Gift Card
Your Gift Card is valid for 12 months from the date of purchase. You have a legal right to cancel your Gift Card up to 14 days after you receive the Gift Card without being charged the Redemption Fee – this 14 day period is known as the “Cooling-Off Period”. Under these terms and conditions, you also have the right to cancel your Gift Card at any time after the 14 day Cooling-Off Period without notice and any funds remaining on your Gift Card will be returned to you within 5 days subject to satisfactory checks being completed.
We may also cancel your agreement for any reason by giving you at least 2 month's notice:
- if this agreement or your card expires on a set date and we have not agreed to renew this Agreement;
- if you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner;
- if you act in a manner that is threatening or abusive to our staff, or any or our representatives;
- if you fail to pay fees or charges that you have incurred or fail to put right any shortfall;
- in the event of your death
We may also cancel this agreement or suspend your card or account immediately if we believe your Gift Card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this we will tell you as soon as we are permitted to do so.
If we cancel your Gift Card you must tell us what you want us to do with any unused funds within 3 months of the date we tell you your Gift Card is cancelled. We can return the funds to the loading source, to a bank account in the same name as the Gift card account or we can issue a cheque for your refund. Please note we will need to verify your identity in order to satisfy Anti Money Laundering requirements. If we receive no contact within three months, the funds will be returned to the loading source.
If your Gift Card is cancelled, we will immediately block your Gift Card so it cannot be used.
You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the Gift Card before the Gift Card is cancelled or expires. You can cancel your Gift Card by sending an email to us using the “contact us” function on the Website, and confirming that you have destroyed your Gift Card.
If you cancel your Gift Card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you, see "Your Rights to Redemption of Funds and Refunding of Transactions on your Gift Card” section below for further information. A Redemption fee may be charged (see Fees section below) unless you have arranged to transfer any unused funds to another Gift Card managed by us, or you cancel your Gift Card within 14 days of receiving it.
On expiry of your Gift Card, you will not be provided with a replacement card. However, you may contact us to seek redemption of the remaining funds on your Gift Card by following the process described at Section 10.
7. Keeping your Gift Card secure
You should treat your Gift Card like cash. If it is lost or stolen, you may lose some or all of your money on your Gift Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Gift Card safe and not let anyone else use it.
We recommend that you check the balance on your Gift Card regularly online at the Website. We will provide you with your Gift Card balance and a statement of recent transactions on our secure webpage at any time. Your statement will show:
- information relating to each Gift Card transaction which will enable it to be identified;
- the amount of the Gift Card transaction shown in the currency in which the transaction was paid or debited to the account;
- the amount of charges for the transaction
- the date the transaction is authorised or posted on to the account.
8. Lost and stolen Gift Card and unauthorised or incorrectly executed payments
You must tell us without undue delay by calling us on our 24 hour lost and stolen card helpline on 800192090 if you know or suspect that a Gift Card is lost or stolen.
We will refund any incorrectly executed transaction immediately unless we have any reason to believe that the incident has been caused by a breach of this agreement, gross negligence or we have reasonable grounds to suspect fraudulent activity.
However, if the investigations show that any disputed transaction was authorised for you, or you have acted fraudulently or with gross negligence, you may be liable for any loss we suffer because of the use of the Gift Card
9. Our liability
We will not be liable for any loss arising from:
- any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite all our efforts to the contrary; or
- a retailer refusing to accept your Gift Card; or
- our compliance with legal and regulatory requirements;
- loss or corruption of data unless caused by our wilful default.
We are also not liable for:
- business interruption, loss of revenue, goodwill, opportunity or anticipated savings;
- any indirect or consequential loss.
10. Your Rights to Redemption of Funds and Refunding of Transactions on your Gift Card
Redeeming Funds on your Gift Card
You have the right to redeem the funds on your Gift card at any time in whole or in part. To do so, please contact us the centre information point, requesting redemption and indicating the amount to be redeemed. If you request redemption of all funds on your Gift Card, please confirm in writing that you have destroyed your Gift Card by cutting it up. When we process your redemption request, we may require you to provide us with documents such as identification so that we may process your request in accordance with legal requirements. We may also charge a redemption fee if one of the following circumstances applies:
o You are requesting redemption before termination or expiry of this agreement;
o You cancel this agreement before any agreed termination or expiry date; or
o You request redemption more than one year after the date of termination or expiry of this agreement
Please see section 12 for a summary of fees including redemption fees. We will not redeem the value of the funds on your card to you if your request for redemption of the funds is made more than six years after the date of termination or expiry of this agreement.
You may be entitled to claim a refund in relation to transactions where:
- the transactions was not authorised under this agreement;
- we are responsible for a transaction which was incorrectly executed notified us in accordance with section 8 above;
- a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you or an additional Gift Cardholder could reasonably have expected taking into account normal spending patterns on the Gift Card or the circumstances of the transaction.
- We were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date
11. Changes to these Terms
We may change these terms at any time by notifying you by e-mail or other agreed means at least 2 months before the change is due to take effect. The up-to-date version of the Gift Card terms and conditions will always be available on the Website. The change will automatically take effect and you will be taken to have accepted the notified change unless you tell us that you do not agree to the change. In that event, we will treat that notice as notification that you wish immediately to terminate. In such circumstances we will refund any balance on the card in accordance with section 10 above and you will not be charged a Redemption fee.
12. Fees and Usage Restrictions
We do not charge any fees for checking your on-line balance and transactions. However the following fees do apply:
|Monthly Management Fee||€3 per month (This fee will start to be deducted from the thirteenth month after the month the card was purchased and until the card balance reaches zero.)|
|Lost and Stolen block||€0|
|Lost/Stolen/Damaged Replacement Fee||€7.50|
|Redemption Fee (if applicable, see 12)||€7.50|
If we decide to increase or impose any new fees, we will tell you by e-mail, text, or post, at least two months before any changes take effect. Authorisation will be requested for all transactions at the time of each transaction. In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the Gift Card for that transaction (a "Shortfall"), the Shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the Gift Card was presented, in this circumstance we may seek the Shortfall from the retailer.
You agree that once we make this Shortfall known to you, we may charge you for the Shortfall amount. We may charge the amount of the shortfall from any other Gift Cards that you hold with us, to any other payment method which you may designate at that time, or against any funds which you may subsequently load onto your Gift Card or on any additional Gift Card ordered by you. Until we are reimbursed the Shortfall amount, we may suspend your Gift Card and any additional Gift Cards connected to you. In addition, we reserve the right to charge you an Administration Fee for each transaction that you make using your Gift Card that results in a Shortfall or increases the Shortfall amount on your Gift Card.
13. Your Details
You must let us know as soon as possible if you change name, address, telephone number or e-mail address. If we contact you in relation to your Gift Card, for example, to notify you that we have cancelled your Gift Card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.
14. Data Protection
15. Disputes with Retailers
If you have any disputes about purchases made using your Gift Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Gift Card. Remember that once you have used your Gift Card to make a purchase we cannot stop that transaction.
If you have an enquiry relating to your Gift Card, you can contact the centre information point. We will deal with your enquiry promptly. If you do not wish to enquire in this way you can alternatively call our customer service telephone line on 800192090
The Gift Card programme is managed by Centro Servizi Srl and BPS Ltd. If you are unhappy in any way with your Gift Card or the way it is managed, tell us by contacting the centre information point so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 and e-mail: email@example.com
The Gift Card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Conduct Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Gift Card. This means that in the event that Wirecard Card Solutions Ltd (WDCS) becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.
We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you 2 months prior notice of this. If we do this, your rights will not be affected.
20. Transfer to a new Gift Card
We may transfer your unused balance to a new Gift Card provided by a Gift Card issuer other than Wirecard Card Solutions Ltd (WDCS) at any time. Before we do this, we will give you 2 month's notice of the new Gift Card arrangements and the new Gift Card terms and conditions. Unless you advise us within the 2 month period that you do not want a new Gift Card from the new Gift Card issuer, you agree that we can automatically transfer the unused balance on your Gift Card to a new Gift Card provided by the new Gift Card issuer.
21. Governing Law
These terms and conditions will be construed in accordance with Irish law.
22. Fund Protection
As a responsible e-money issuer, Wirecard Card Solutions Ltd (WDCS) ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Gift Card. In the event that Wirecard Card Solutions Ltd (WDCS) becomes insolvent funds that you have loaded which have arrived with and been deposited by Wirecard Card Solutions Ltd (WDCS) are protected against the claims made by creditors.
23. Gift Card Issuer
Your Gift Card is issued by Wirecard Card Solutions Ltd (WDCS) (NBS) whose principal office is Portland House, New Bridge Street, Newcastle Upon Tyne, Tyne and Wear, NE1 8AL, which is authorised and regulated by the Financial Conduct Authority (registered number 900051) as a building society and an issuer of e-money. Your Gift Card is the property of Wirecard Card Solutions Ltd (WDCS) and is not transferable to anyone else.