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 us by the corporate body or other organisation registered with us 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 Limited subject to these terms and conditions.
Limits apply to the Card:
The Card is able to hold up to €9,999 once CDD is completed. See explanation of CDD in Section 1 below
Where CDD is not completed upon activating your Card, the maximum balance and monthly payment transactions will be €250. Should you reach this limit before CDD is completed, the Card, and Reward Card account, will be blocked from future spending until such time CDD is completed.
Interest will not be payable in respect of Card balances.
Certain fees and charges apply to the Card; see Section 5 of these terms and conditions.
“Agreement” means the agreement between you and us which constitutes these terms and conditions.
“Account Information Service Provider” or “AISP” means a third party payment service provider who is authorised by or registered with the Financial Conduct Authority or another European regulator to provide online account information services, who, with your permission will be able to access certain online account information on one or more payment accounts held by you to give you a consolidated view of your payment accounts.
“Business Day” means any day from Monday to Friday excluding Irish bank holidays
“Card” means this corporate reward card, a prepaid card denominated in euro, or any replacement card which we issue to you from time to time.
“Card Transaction” means any transaction whereby the Card is used to pay for goods and/or services at Participating Retailers.
“Customer Due Diligence” or “CDD” means identifying you and confirming your identity by personal documentation supplied by you to us to confirm your name and current address.
“Reward Card Account” means the e-money account linked to a Card registered against individual Card holder.
“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 us 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 Westside, London Road, Hemel Hempstead, HP3 9TD, 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, call 01 696 9031
or text the Card number to 57887*
For all other queries including lost or stolen cards, disputes
relating to previous transactions or to redeem the balance – 01 870 8111
*Network charges may apply
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. Activation of the Card constitutes your acceptance of these terms and conditions and consequently this Agreement.
2.2 The Card will be issued in your name although your name may not be printed on the Card plastic.
2.3 The Card will be issued to you at the request of the Programme Partner. Only the Programme Partner can load the funds on the Card. 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 one Business Day 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 check your Card balance, to redeem funds on it or to notify us if your Card is lost or stolen (see Sections 9 and 10 below).
2.6 You can only hold one Card under any one reward card scheme. If you were given more than one Card through the same Programme Partner, we may block the additional Card(s). We will let you know if we do so and, at your option, we will either refund the balance on the additional Card(s) in accordance with Section 9 or (subject to maximum Card limits as set out in Sections 7.1 and 7.2) transfer the funds on to one Card.
2.7 You may use the Card, in accordance with any instructions issued by us from time to time as long as there are sufficient funds on the Card to carry out any Card Transaction.
2.8 Funds protection
2.8.1 The Corporate Reward Card is an electronic money product and is issued by GVS Prepaid Limited. GVS Prepaid Limited keeps all money exchanged for the Corporate Reward Card in a bank account which is separate and segregated from the assets of GVS Prepaid Limited. This means, in the unlikely event of GVS Prepaid Limited becoming insolvent your money is protected and will be available for return to card holders.
2.8.2 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:
(a) sign the Card immediately on receiving it;
(b) treat the Card as if it were cash;
(c) complete the registration and activation process on the Website;
(d) keep your transaction receipts and confirmations safe and dispose of them carefully;
(e) take all reasonable care and precaution in the custody of the Card and keep your Card safe; and
(f) 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 at a Participating Retailer. The up to date list of Participating Retailers is available on the Website; the list of Participating Retailers and how they accept the Card (instore, online, or over the phone) may change from time to time.
4.2 We will debit the amount of all Card Transactions from the balance of your Card at the time the Card Transaction takes place. If you attempt to spend more than the Card balance using the Card, your transaction will be declined.
4.3 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 accepted by the Participating Retailer.
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 Transaction after it has been authorised. You authorise a Card Transaction by following the instructions provided by the Participating Retailer to authorise a transaction, which includes:
(a) swiping the Card over a card reader;
(b) where requested to do so, signing a receipt for the relevant Card Transaction;
(c) providing Card number and/or other details as requested.
The amount of the Card Transaction 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 Transactions by logging onto the Website or calling our automated card balance line 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 Transactions. 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 Reward Card Account does not expire. However, the physical plastic Card will need replacing from time to time.
4.8 A ‘Valid Thru’ date is printed on the front of your card. This is used as the expiry date when shopping online. Your Card will cease to function at the end of the Valid Thru date. We will send you a replacement Card on or around the time of the expiry of the Valid Thru date, unless:
(a) your Card has not been activated;
(b) there has been no activity on your Card for 18 months and the balance on the expired Card is zero;
(c) the balance on the expired Card is zero and we have been notified by the Programme Partner that your Card will not be loaded in the future (for example, where you no longer participate in the rewards scheme run by the Programme Partner or where the Programme Partner terminates the scheme with us).
If you have not received a new Card, you should contact us by calling 01 870 8111 and we will issue a new Card to you, unless the circumstances described in Section 4.7(c) above apply.
4.9 We reserve the right to issue you with a non-reloadable card if money has been loaded to the Card and you are no longer part of the scheme run by the Programme Partner or where the Programme Partner terminates the scheme with us. In such circumstance, this Agreement will be terminated, and your use of the non-reloadable card will be subject to separate terms and conditions of use. These can be found at www.one4rewards.ie. Alternatively, if you do not wish to be issued with a non-reloadable replacement card, you can request to redeem the balance on your expired Card in accordance with Section 9.
4.10 If at any time you become aware of an unauthorised or incorrectly executed Card Transaction debited to your Card you must notify us by calling (01) 870 8111 without undue delay and, in any event, within 13 months of the date the Card Transaction was debited to your Card.
4.11 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.
4.12 Where it is established to our reasonable satisfaction that you were not responsible for the transaction, we will refund the unauthorised/incorrectly debited amount of the transaction to your Card unless you failed to notify us within 13 months of the date the transaction was debited and subject to your liability for unauthorised transactions as set out in Section 10.2 below.
4.13 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.
4.14 We will not 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).
4.15 You can instruct an AISP to access information on your Reward Card Account available when you login on the Website. Some AISPs may (with your permission) choose to access your Reward Card Account without identifying themselves to us. As a result, it is important that you check that any AISP you use is authorised or registered by the Financial Conduct Authority or other European regulator to access your Reward Card Account from the information given to you by such AISP. We will treat any instruction from an AISP as if it was from you.
4.16 We may deny AISP access to your Reward Card Account if we are concerned about unauthorised or fraudulent access by that AISP setting out the reason for such denial. Before doing so, we will tell you that we intend to deny access and give our reasons for doing so, unless it is not reasonably practicable, in which case we will immediately inform you afterwards. In either case, we will tell you in the manner in which we consider most appropriate in the circumstances. We will not tell you if, doing so would compromise our security measures or would otherwise be unlawful.
4.17 If you have provided consent to an AISP to access the data in your Reward Card Account to enable them to provide account information services to you, you consent to us sharing your information with the AISP as is reasonably required for them to provide their services to you.
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 or the balance of the Card reaches zero.
Fees and Charges Table
(this applies when you want to redeem the Card in accordance with Clause 2.7 and Section 9). €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 – (this fee is charged to the Card which has not been loaded for 18 months and has a balance remaining. The charge will be applied monthly until such time as the balance on the Card reaches zero or the Card is loaded with additional funds)
€1.45 charge per month, or remaining balance on the Card if lower.
6. CHANGES TO THESE TERMS AND CONDITIONS
6.1 We may add to or change these terms and conditions (including, without limitation, change the existing fees or introduce new fees) in accordance with this Section 6.
6.2 We will tell you if we add to or change these terms and conditions by giving you at least two months’ notice of the proposed changes by whatever means we, in accordance with applicable legislation, deem appropriate at that time (for example, we may notify you by letter, electronic mail, telephone (including recorded message) or by an advertisement in a UK daily or weekly newspaper or our Website).
6.3 You will be deemed to have accepted a change to these terms and conditions, unless you tell us that you do not agree to such changes prior to the change taking effect. In such circumstance, your rejection of the change shall be treated as notification that you wish to terminate this Agreement; your Rewards Card Account will be closed, and we will refund the balance remaining on your Card in accordance with Section 9 below..
7. RESTRICTIONS ON USE OF THE CARD
7.1 Until Customer Due Diligence is completed to our satisfaction, the following limits will apply at the time the Card is first issued and will continue to apply until Customer Due Diligence has been completed:
Maximum card balance at any time: €250
Maximum spend or load in any calendar month: €250
If either of the above limits is reached, before Customer Due Diligence has been completed, your Card will be blocked and become unusable until such time Customer Due Diligence is completed.
7.2 Once Customer Due Diligence has been satisfactorily completed, the maximum Card balance limit will be €9,999.
7.3 The Card belongs to us. We may without prior notice to you, restrict the use or operation of the Card at any time if:
(a) you are in breach of any of the terms of this Agreement; or
(b) we are concerned about the security of your Card;
(c) we have reasonable grounds to suspect unauthorised use fraud, theft or dishonesty in respect of the Card; or
(d) we need to do so to comply with the law.
In such circumstances, we will be entitled to take such steps as we consider reasonably necessary to restrict your right to use the Card, which, without limitation, may include, refusal to authorise a Card Transaction, suspension, withdrawal or cancellation of your Card or refusal to issue a replacement Card. This may also include us or any person acting on our behalf retaining the Card at any time. If we take any such steps, we will notify you and give you reasons for doing so as soon as we can or are permitted to do so. We may ask you to return the Card to us (cut in half vertically). We will unblock your Card or issue you with a replacement Card if after our investigation we believe that the relevant circumstances as set out in paragraphs (a) to (d) no longer apply. You may correct any information we hold, and which may have caused us to refuse a Card Transaction by contacting us on 01 870 8111.
8. RESTRICTED TRANSACTIONS
8.1 The Card can be used for Card Transactions in Ireland only. 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 us by calling 01 870 8111 quoting the Card number. We will process the redemption in accordance with this Section.
9.2 In order to allow any outstanding Card Transactions to clear, we 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 Redemption Fee, as set out in Section 5, will apply, except:
(a) during the Cancellation Period as set out in Section 13.1;
(b) during the 12 months following the termination of this Agreement; or
(c) when you are cancelling your Card because you object to a change we have made to this Agreement under Section 6.3.
9.3 If you wish to redeem the balance in whole or in part on the Card, 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 necessarily terminate this Agreement. See Clause 13 for a description how this Agreement may be terminated.
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.
Notification under this Clause should be made to:
GVS Gift Voucher Shop DAC
PO Box 8942
Telephone: (01) 870 8111
10.2 Provided that you have not acted fraudulently or with gross negligence you will remain liable for any debit to the Card arising from unauthorised use of the lost or stolen Card before you notify us in accordance with Section 10.1, subject to a limit of €50. If you have acted fraudulently, or without reasonable care you may be liable for the entire loss. If you have acted fraudulently, or with gross negligence (for example, by allowing someone else to use your Card) you will be liable for the entire loss. You will not be able to claim a refund for any unauthorised transactions where you notify us of such transactions more than 13 months from the date the transaction was debited to your Card.
Provided you did not act fraudulently or with gross negligence, and subject to your limited liability of €50, any unauthorised transactions will be re-credited to the Card.
10.3 Following notification under Section 10.1 and subject to Section 10.2, 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 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 Transactions, we will wait seven Business Days prior to issuing any replacement Card. A fee will be payable for any replacement Card in accordance with Section 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 us 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 Transaction; this is to ensure that there are sufficient funds on the Card. We may refuse to authorise a Card Transaction 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 we will not be responsible if you are unable to use the Card for a particular Card Transaction. Furthermore, we will not 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. However, for online Card Transactions please retain you Card as Participating Retailers may make refunds onto the Card used for the initial payment should it be necessary.
12.1 GVS Prepaid will not be liable for any delay or failure in performing any of its obligations in respect of the Card, including without limitation any refunds resulting from incorrectly executed or unauthorised transactions, where such delay or failure occurs because of abnormal or unforeseeable circumstances beyond GVS Prepaid’s control, the consequences of which would have been unavoidable despite our efforts to the contrary, or where such delay or failure arose because of GVS Prepaid’s obligations under any applicable law.
12.2 GVS Prepaid may disclose details of the Card to any person acting on its behalf in connection with the use or issue of the Card.
12.3 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.
12.4 All communications under this Agreement will be in English.
12.5 We 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.
12.6 GVS Prepaid Limited 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 AND CANCELLTION OF THIS AGREEMENT
13.1 You have a right to cancel your Card and thereby this Agreement without reason and without being charged the Redemption Fee (as referred to in the Fees and Charges Section 5) for a period of up to 14 days after the date on which you activate the Card (“Cancellation Period”). You can cancel by calling our Customer Service at 01 870 8111. This will not entitle you to a refund of any Card Transactions made up to the date you notify us of your cancellation.
13.2 We may terminate this Agreement for any reason by giving two months’ notice of termination to you.
13.3 We may also terminate this Agreement immediately and will tell you as soon as practicable if you break an important term of this Agreement, or repeatedly break any term of this Agreement and fail to resolve it in a timely manner.
13.4 The funds can only be loaded to your Card by the Programme Partner. If no further funds will be loaded onto your Card by the Programme Partner (for example, because the Programme Partner ceases to trade, discontinues the relevant reward card scheme or advises us that you are no longer participating in the reward card scheme), this Agreement will automatically terminate at the earlier of:
(a) the end of the Valid Thru date on the last Card issued to you under this Agreement; or
(b) when the balance on the last Card issued to you under this Agreement reaches zero.
13.5 You may terminate this Agreement at any time by notifying us.
13.6 On termination of this Agreement for any reason, we will refund the remaining balance on the Card (if any) to you once all Card Transactions and all relevant fees (see Section 5) have been processed. See Section 9 (Redemption) which sets out how funds will be returned and further terms relating to the return of funds. Alternatively, where this Agreement terminates in circumstances set out in Section 13.3, we may transfer the remaining balance on the Card to non-reloadable One4all gift card(s) issued to you in accordance with Section 4.9.
13.7 On termination of this Agreement for any reason you must immediately cut the Card in two.
13.8 GVS will advise the Programme Partner if you terminate this Agreement to prevent any future payments to your Card.
14. USE OF YOUR INFORMATION/DATA PROTECTION
14.2 We collect and process personal data (such as name, address and e-mail address) when you activate your Card online. We use this data to:
(a) deliver the Card(s) to you;
(b) to identify you and verify your identity;
(c) to manage and administer your Card and Rewards Card Account;
(d) to prevent fraud and money laundering.
We may also collect such personal data when you contact us in order for us to assist with a query about the Card you hold, your Card Transactions or to process a Card redemption request.
14.3 We will only share your personal data with third parties and with other companies in the GVS group of companies in order to provide Card delivery or customer contact centre services on our behalf or to help us verify your identity electronically.
14.4 You explicitly consent to us accessing, processing and retaining any information you provide to us for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation.
14.5 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 process your information in accordance with the same level of protection as we are required to give it in Ireland and on the basis that they will act solely on our instructions. Such transfers abroad will be for the purpose of managing and administering your Card.
14.6 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
14.7 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 by calling us on 01 870 8111 above quoting your Card number and other details we might request to allow us to identify you. .
14.8 We 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, we will hold back from making any further attempts to contact you.
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 Prepaid Limited,
c/o 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. We will try and resolve your complaint as soon as possible. Often however, the complaint will need to be investigated. In most cases we will provide a full response to your complaint within fifteen (15) Business Days after the day on which we receive your complaint. However, if we are not able to do so due to exceptional circumstances, we will provide you with a full response within thirty-five (35) Business Days, in which case we will inform you of the delay. . If your complaint cannot be resolved, you may refer it to the Financial Services and Pensions Ombudsman (the “FSPO”). The FSPO provides a free, independent service which might be able to settle a complaint between you and us. You can contact the FSPO at
The Financial Services and Pensions Ombudsman,
Phone: +353 (0)1 567 7000
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 FSPOfor 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.gvsprepaid.com) and our location, GVS Prepaid Limited, PO Box 8942, Malahide, Co Dublin)
The One4all Corporate Reward Card is issued by GVS Prepaid Limited. 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: Westside, London Road, Hemel Hempstead, HP3 9TD, England.
Effective from May 2019