This document is important. It governs your use of the Card. You must not use the Card in a way that breaks this Agreement.
The Corporate Reward Card is available in euro (€) only. The Card is not a credit card or a charge card; nor is it a debit card linked to a current account. It is a prepaid card which means that money must be loaded onto the Card. The Card may be loaded with money repeatedly through lodgements made direct to GVS Gift Voucher Shop (GVS) by the corporate body or other organisation registered with G VS as the Programme Partner. The funds lodged to the account can only be used to pay for purchases at Participating Retailers. The Card is issued by GVS Prepaid subject to these terms and conditions.
Certain limits apply to the Card:
a maximum balance of €9,999 may be held on the Card at any one time
a maximum amount of €9,999 may be transacted on the Card in any calendar year
only full €1 amounts (or multiples thereof) may be loaded onto the Card.
GVS will also be required to undertake Customer Due Diligence Checks (in accordance with Section 14). Should the cardholder not satisfy these checks, the limit which will apply to the Card when first issued will be:
a maximum balance of €2,500 may be held on the Card at any one time
a maximum amount of €2,500 may be transacted on the Card in any calendar year.
Interest will not be payable in respect of Card balances.
Certain fees and charges apply to the Card; see Clause 5 of these terms and conditions.
“Agreement” means the Agreement between you, us and GVS which includes these terms and conditions, and the Corporate Reward Card application. GVS Gift Voucher Shop is the operator of the Card.
“Business Day” means any day from Monday to Friday excluding Irish bank holidays
“Card” means the Corporate Reward Card, a prepaid card denominated in euro, or any replacement card which we issue to you from time to time.
“Card Purchase” means any transaction whereby the Card is used to pay for goods and/or services at Participating Retailers.
“Customer Due Diligence” means personal documentation supplied by you to us to confirm your name and current address.
“Gift Voucher Shop” or “GVS” means GVS Gift Voucher Shop DAC, a designated activity company having its registered office at Management Suite, GPO, O’Connell Street Lower, Dublin 1, D01 F5P2.
“Reward Card Account” means the e-money account linked to a Reward Card registered against individual Card Recipients.
“Participating Retailer” means a supplier of goods and/or services in Ireland which has agreed to accept the Card as payment for goods and/or services. A list of participating retailers can be found on the One4all Website.
“Programme Partner” means the corporate body or organisation that has registered with Gift Voucher Shop as such and who is authorised to make lodgements to Cards within the specific Corporate Rewards Card programme.
“We” (or “we”) and “us” and “GVS Prepaid” means GVS Prepaid Limited whose registered office is at 4 The Merlin Centre, Acrewood Way, St Albans, AL4 0JY, England and any business or other person to whom any or all of our rights and responsibilities under this Agreement may be transferred or delegated.
“You” (or “you”) and “Your” (or “your”) means the person who has been provided with the Card at the request of the Programme Partner and is entitled to use the Card to pay for goods and services at a Participating Retailer.
“Website” means the One4all website www.one4allrewards.ie
For balance enquiries – the Website or call 01 696 9031
For all other queries including lost or stolen cards, disputes
relating to previous transactions or to redeem the balance – 01 870 8111
2.1 The use of the Card is subject to the terms of this Agreement as may be varied by us from time to time. The current version of the terms and conditions is available on the Website. Purchase and Usage of the Card constitutes your acceptance of these terms and conditions.
2.2 The Card will be issued in your name although your name may not be printed on the Card plastic. We will assume, unless and until you tell us to the contrary, in accordance with Clause 4.7 any use of the Card is carried out by you.
2.3 The Card will be issued to you at the request of the Programme Partner. You must complete an activation process by logging on to the Website and following the detailed registration steps.
2.4 The Card will normally be available for use within two Business Days from the date of initial lodgement. The Card may not be used in the intervening period.
2.5 Please record your Card number; the Card number will be needed to redeem your Card balance or if your Card is lost or stolen (see Clauses 9 and 10 of these terms and conditions).
2.6 You may use the Card, in accordance with any instructions issued by us from time to time while there are sufficient funds on the Card to meet purchase commitments.
2.7 You may at any time redeem the balance in whole or in part on the Card. To do so you must contact the Programme Partner and notify them of your intentions. The Programme Partner will contact GVS and advise them accordingly. Once GVS has been contacted by the Programme Partner and requested to redeem your balance we will process the redemption in accordance with section 9.
2.8 The Card belongs to us. It must be returned to us (cut in half vertically) immediately upon request. We or any person acting on our behalf (including Gift Voucher Shop) may retain the Card at any time without notice to you.
2.9 Funds protection
2.9.1 The Corporate Reward Card is an electronic money product and is issued by GVS Prepaid. GVS Prepaid keeps all money exchanged for the Corporate Reward Card in a bank account which is separate and segregated from the assets of GVS Prepaid. This means, in the unlikely event of GVS Prepaid becoming insolvent your money is protected and will be available for return to card holders.
2.9.2 The UK Financial Services Compensation Scheme does not cover claims made in connection with the issuing of electronic money
3. PROTECTING YOUR CARD
3.1 You must:
- never give your Card to anyone else or allow anyone else to use your Card.
3.2 We recommend that you protect your card from scratches and exposure to magnets which may damage the card.
4. USING YOUR CARD
4.1 The Card may only be used in Participating Retailers’ outlets. The up to date list of Participating Retailers is available on the Website; the list of Participating Retailers may change from time to time.
4.2. You shall be responsible for ensuring the correctness and accuracy of all purchases made with the Card.
4.3 We will immediately debit the amount of all Card Purchases from the balance of your Card. If you attempt to spend more than the Card balance using only the card, your transaction will be declined.
You can use the Card as part payment.
4.4 You must not use the Card:
(a) after any notification of its withdrawal is given to you;
(b) after this Agreement has been terminated; or
(c) as payment for any illegal purchase.
4.5 You cannot stop a Card Purchase after it has been authorised. To authorise a purchase you may be required to sign a receipt for each Card Purchase; the amount of the Card Purchase must be confirmed with the Participating Retailer at the time of authorisation.
4.6 We will not issue Card statements. You can obtain your Card balance or obtain information about previous Card Purchases by logging onto the Website or calling Gift Voucher Shop on 01 696 9031. You are responsible for monitoring your Card balance and for ensuring that there are sufficient funds on the Card at all times to pay for Card Purchases. The up to date Card balance and any recent Card transactions will be available to view the same day. You can print out the transaction history for your records.
4.7 Your card does not expire. A ‘Valid Thru’ date is printed on the front of the card. This is used as the expiry date when shopping online. If you have funds on the card at this valid thru date and have not received a new card you should contact us and we will issue a new card to you.
4.7.2 GVS Prepaid reserves the right to issue you with a non-reloadable card if you have not activated the card or money has been loaded to the card and you are no longer part of the scheme run by the Programme Partner.
4.8 If at any time you become aware of an unauthorised debit transaction made using your Card you must notify Gift Voucher Shop by calling (01) 8708111 without undue delay and, in any event, within 13 months of the debit date of the transaction.
4.9 Once you have notified us of an alleged unauthorised or incorrectly executed transaction on your Card, we will promptly investigate your claim. In some cases we may ask you to give us further information about the transaction (for instance, to enable us to confirm that the transaction was properly authenticated). You confirm that you will cooperate with the police or other enforcement bodies if requested to do so.
4.10 Where it is established to our reasonable satisfaction that the transaction was not authorised by you, we will (subject to Clauses 4.10, and 4.12 below) refund the full amount of the transaction.
4.11 We reserve the right to refuse a refund under Clause 4.9 where you fail to notify us within 13 months of the date of the debit transaction.
4.12 We reserve the right to debit from your Card the amount of any refunds paid to you where, upon further investigation, it is subsequently established that you are not entitled to a refund. If there is insufficient balance on the Card to debit the amount of any refunds paid to you in circumstances where you are not entitled to a refund, we reserve the right to take all reasonable steps (including legal proceedings) to recover from you the amount of any such refunds together with any fees, charges or expenses that we have incurred.
4.13 We reserve the right to withhold refunds if, and to the extent that, we can show you have failed to comply with any relevant provisions of this Agreement.
4.14 If the amount of a purchase which you wish to make using your Card is greater than the available balance, you can pay the difference in cash or by another payment method.
4.15 Neither GVS Prepaid nor Gift Voucher Shop will be liable for defects in any goods or services paid for using the Card. Any queries or complaints about such goods or services should be addressed to the relevant Participating Retailer(s).
5. FEES AND CHARGES
5.1 The amounts of fees and details of when they will be payable are set out in the table below. All fees will be debited directly to the Card as they arise.
Inactive Balance Charge
5.2 A monthly inactive balance charge of €1.45 (or the credit balance on the Card, if lower) will be charged if 18 months elapses since the last lodgement has been added onto the Card. This charge will start to be applied from the following month and will continue until additional funds are loaded onto the card. A Card account will be closed if a zero balance is reached on it during a period when this charge is being applied.
€8 fee or the balance on the Card, if lower
Card Replacement Fee (if the Card is lost or stolen and we issue a replacement Card at your request)
€5 fee per Card
Inactive Balance Charge – monthly amount charged to accounts with balances remaining that have had no lodgements within an 18 month period
€1.45 charge per month, or remaining balance on card if lower.
5. 3 All fees and charges will be payable to Gift Voucher Shop.
6. CHANGES TO THESE TERMS AND CONDITIONS
6.1 We may add to or change these terms and conditions in accordance with clause 6.2. We may add new fees and charges or change existing fees and charges at any time.
6.2 We will tell you in advance if we add to or change these terms and conditions or if we add new fees and charges or change existing ones. The amount and type of notice that we will give you will follow the laws and regulations that apply at that time. (For example, we may notify you by letter, electronic mail, telephone (including recorded message) or by an advertisement in an Irish daily or weekly newspaper). Most changes will occur two months after we tell you about them.
6.3 If we change or add to these terms and conditions and you are not happy to accept the changes, you may end this contract and close your Card account. If you do not ask us to end this Agreement, you are deemed to accept the changes on their effective date.
7. RESTRICTIONS ON USE OF THE CARD
7.1 Until Customer Due Diligence is completed to our satisfaction, the following Card limits will apply at the time the Card is first issued and will continue to apply until Customer Due Diligence has been completed to our satisfaction:
Maximum card balance: €2,500
Maximum transactions, cumulative debits or
cumulative credits in any calendar year: €2,500
When either of the above limits is reached your Card will be blocked and become unusable. We will request you to provide sufficient personal documentation to confirm your name and current address, before further use of your Card will be permitted. For the avoidance of doubt, after providing the documentation requested, the limits set out in clause 7.2 will apply. In addition, and as set out in 9.3, should you request redemption of any balance greater than €1000 in any calendar year we may request documentation confirming your name and address.
7.2 The following limits will apply to the Card, assuming Customer Due Diligence has been completed to our satisfaction:
Maximum Card Balance: €9,999;
Maximum cumulative transactions on Card in calendar year: €9,999
7.3 If at any time:
(i) you are in breach of any of the terms of this Agreement; or
(ii) we have reasonable grounds to suspect fraud, theft or dishonesty;
we will be entitled to take such steps as we consider reasonably necessary to restrict your right to use the Card, which, without limitation, shall include, without prior notice to you, refusal to authorise a Card Purchase, suspension, withdrawal or cancellation of your Card.
8. RESTRICTED TRANSACTIONS
8.1 The Card can be used for Card Purchases in (i) Participating Retailer outlets in Ireland only or (ii) by telephone or online from those Participating Retailer in Ireland listed on the Website. The Card may not be used abroad.
8.2 The Card cannot be used in automated teller machines (“ATMs”) to obtain cash.
9.1 You may at any time redeem the balance in whole or in part on the Card. To do so you must contact the Programme Partner and notify them of your intentions. The Programme Partner will contact GVS and advise them accordingly. Once GVS has been contacted by the Programme Partner and requested to redeem your balance we will process the redemption in accordance with this section.
9.2 In order to allow any outstanding Card Purchases to clear, Gift Voucher Shop will refund the requested amount to you, by bank transfer to your nominated bank account, minus any fees, within seven Business Days of such a request. You must not use your Card after you ask us to repay the full balance to you. The appropriate redemption fee, as set out in Clause 5, will apply.
9.3 If you wish to redeem more than €1000 in any calendar year, you may be required to submit additional documentation to us for purposes of identification in accordance with our customer due diligence requirements.
9.4 For the avoidance of doubt, redeeming the balance on your Card will not terminate this Agreement. If you wish to terminate this Agreement then Clause 13.5 will apply.
10. THEFT, LOSS OR MISUSE OF CARD
10.1 You should treat the Card as if it were cash. If the Card is lost, stolen, damaged or fails to operate correctly or if the Card number becomes known to any unauthorised person you must immediately notify Customer Services (details below). If your notification is made orally it must be confirmed in writing within fourteen days. Once you have notified us you must not use the Card. You will not be liable for any unauthorised use of the Card in circumstances where that unauthorised use takes place after you have notified us.
Notification under this Clause should be made to:
Gift Voucher Shop
PO Box 8942
Telephone: (01) 870 8111
10.2 Provided that you have not acted fraudulently or without reasonable care you will remain liable for any debit to the Card by the unauthorised use of the lost or stolen Card that takes place prior to notifying us in accordance with Clause 10.1, subject to a limit of €75. If you have acted fraudulently, or without reasonable care you may be liable for the entire loss.
Subject to your limited liability of €75 any unauthorised transactions will be re-credited to the Card. You will, however, be fully liable for any use of the Card or Card number by any person who acquired it with your consent, or as a result of your gross negligence.
10.3 Subject to Clause 10.1, if there is a credit balance on the Card at the time when the Card is lost or stolen, we will cancel the Card and Gift Voucher Shop will send a replacement Card (with the appropriate credit loaded on to the replacement Card) to you at the address nominated by you; we cannot issue a replacement Card if you do not tell us the Card number. To allow for the processing of any pending Card Purchases, we will wait seven Business Days prior to issuing any replacement Card.
A fee will be payable to Gift Voucher Shop for any replacement Card in accordance with Clause 5 above; the amount of this fee will be deducted from the Card balance.
10.4 If you find a Card after having reported it lost or stolen, you must notify Gift Voucher Shop immediately; you must not use the Card.
11. PARTICIPATING RETAILERS
11.1 It will be necessary in all cases, for a Participating Retailer to obtain authorisation from us or our agents to honour the Card for a particular Card Purchase; this is to ensure that there are sufficient funds on the Card. We may refuse to authorise a Card Purchase at any time if there are insufficient funds on the Card.
11.2 A Participating Retailer may not be able to obtain authorisation from us in some circumstances (for example, if there is a problem with the phone line between the Participating Retailer’s premises and our authorisation centre). If this happens neither GVS Prepaid nor GVS will be responsible if you are unable to use the Card for a particular Card Purchase. Furthermore, neither GVS Prepaid nor GVS will be liable for the refusal of any Participating Retailer to accept or honour the Card for any reason.
11.3 If a Participating Retailer becomes liable to make a refund to you we will not credit the amount of any refund to the Card; refunds are a matter between you and the relevant Participating Retailer.
12.1 GVS Prepaid will not be liable for any delay or failure in performing any of its obligations in respect of the use of the Card where such delay or failure occurs because of any circumstances beyond GVS Prepaid’s reasonable control.
12.2 The accounts and records kept by GVS Prepaid or on its behalf shall, in the absence of an obvious error, constitute sufficient evidence of any facts or events relied upon by GVS Prepaid in connection with any Card Purchase or matter or dealing in relation to the Card.
12.3 GVS Prepaid may disclose details of the Card to GVS and to any person acting as its agent in connection with the use or issue of the Card.
12.4 This Agreement shall be governed by and interpreted in accordance with the law of the Republic of Ireland. The Courts of the Republic of Ireland shall have exclusive jurisdiction in relation to hearing any disputes that may arise in connection with this Agreement.
12.5 All communications under this Agreement will be in English.
12.6 GVS Prepaid and/or Gift Voucher Shop may record or monitor phone calls with you for training purposes, to enable instructions to be verified and to assess whether our service standards are being met.
12.7 GVS Prepaid may transfer to any other person any or all of its rights and/or obligations under this Agreement. GVS Prepaid may do this without telling you but your legal rights will not be affected and your obligations will not be increased as a result. You may not transfer your rights and obligations under this Agreement.
13. TERMINATION OF THIS AGREEMENT
13.1 We may terminate this Agreement at any time on giving 60 days’ written notice of termination to you.
13.2 In addition, we may terminate this Agreement at any time if any of the following circumstances occur provided we give you such notice of termination as is required by law:
(i) The Programme Partner advises us of their discontinuation of the Reward Card Scheme;
(ii) The Programme Partner ceases to trade; or
(iii) The Programme Partner advises us that you are no longer participating in the Reward Card Scheme.
13.3 On termination of this Agreement for any reason you must immediately cut the Card in two.
13.4 Following termination of this Agreement in accordance with clauses 13.1 and 13.2, we will refund the balance of the Card to you, by transferring the balance on to One4all gift card(s) and issuing this/these to you, within seven days of such termination. No redemption fee will apply when we terminate the Agreement in accordance with clauses 13.1 or 13.2.
13.5 You may terminate this Agreement at any time. If you terminate this Agreement in accordance with this clause 13.5 we will refund the Card balance by by bank transfer to your nominated bank account. If the Card balance is more than €100 on the date that notice from you is received, you may be required to submit additional documentation to us for purposes of identification in accordance with our Customer Due Diligence requirements before the transfer can take place. GVS will advise the Programme Partner if you terminate this agreement to prevent any future payments to your account
14. USE OF YOUR INFORMATION
14.1 Considering your application
The Card is issued by GVS Prepaid and GVS Prepaid is the data controller. The personal information which you have provided to us may be used in the manner set out in this Clause 14.
14.2 use and disclosure of your information
The personal information which we hold about you may be shared with and cross-checked by other businesses in the TSC group of companies, fraud prevention or credit reference agencies, our suppliers, agents or subcontractors and anyone who introduced you to us:
to verify your identity and/or address;
to trace debtors, recover debt, to prevent fraud and money laundering;
(iii) to manage and administer your Card; and
(iv) to carry out statistical analysis and market research.
This information will also be shared with GVS Gift Voucher Shop DAC so that they may carry out statistical research and analysis, compliance and regulatory reporting and administration in respect of the Card in accordance with the above.
The Customer grants the Gift Voucher Shop and relevant third parties a perpetual, royalty free right to keep a record of the information referred to above.
If you want to receive details of those fraud prevention agencies from whom we obtain, and with whom we may record, information about you, please write to us at the address shown in Clause 14. below. You have a legal right to these details.
14.4 Transfer of your information abroad
From time to time, we may disclose or transfer information about you to previously approved persons or companies who are based outside of the European Economic Area. We will only do so provided such persons or companies agree to give your information the same level of protection as we are required to give it in Ireland and act solely on our instructions. Such transfers abroad will be for the purpose of managing and administering your Card.
14.4 Your right to information
You have a legal right to receive a copy of the information we hold about you by applying in writing to us at:
GVS Prepaid Limited,
PO Box 8942
A fee will be payable.
14.5 Keeping your information up to date and secure
You are responsible for keeping your personal information up to date at all times. Should you leave the employment of the Programme Partner, you should update your personal details including your email address via the Website.
14.5.1 GVS will make reasonable attempts to contact you using the personal information you have supplied to us. Where we believe the personal information is out of date, of insufficient quality to be certain that we can make contact with you or we have had items returned to us, GVS will hold back from making any further attempts to contact you.
14.5.2 In the event of information being returned due to inaccurate personal information, GVS will await contact from you before making any further contact attempts. GVS may request additional information from you to confirm your current details, including address verification.
14.5.3 If we believe the personal information you have provided to us is out of date or inaccurate, we reserve the right to suspend your Card from further use. GVS will not be responsible for any loss or damages incurred by you as a result of any failure by you to update your contact and address details
If you are not satisfied with any aspect of the service offered, please contact Customer Services on (01) 870 8111 or write to Customer Services at
GVS Gift Voucher Shop DAC,
PO Box 8942,
They will be pleased to help and explain the complaints procedure in more detail. A copy of the Complaints Procedure is available upon request. GVS Prepaid and Gift Voucher Shop will try and resolve your complaint as soon as possible. Often however, the complaint will need to be investigated. If this is the case, Gift Voucher Shop will write to you within 5 Business Days to acknowledge receipt of your complaint and tell you how long it might be before your complaint is resolved. If your complaint cannot be resolved, you may refer it to the Financial Services Ombudsman by writing to
The Financial Services Ombudsman,
Lo Call 1890 88 20 90 or +353 (0)1 662 0899.
If we have not been able to resolve your complaint to your satisfaction AND you have bought our product or services online:
The European Commission has established an online dispute resolution platform (ODR platform) which is specifically designed to help customers resident in the European Union who have been unable to resolve a complaint with traders established in the European Union from which they purchased goods or services online. You can submit your complaint online through the ODR platform in any of the official languages of the European Union. The platform will then send your complaint to the Financial Ombudsman Service for an independent review within 90 days.
You can access the ODR platform here at http://ec.europa.eu/odr
You will need our email address (firstname.lastname@example.org), our website address (www.one4allrewards.ie) and our location, GVS Gift Voucher Shop DAC, PO Box 8942, Malahide, Co Dublin)
The One4all Corporate Reward Card is issued by GVS Prepaid. GVS Prepaid Limited is authorised by the Financial Conduct Authority in the United Kingdom and regulated by the Central Bank of Ireland for conduct of business rules.
GVS Prepaid Limited is incorporated in England with limited liability. Registered Office: 4 The Merlin Centre, Acrewood Way, St Albans, AL4 0JY, England.
Effective from December 2016