10 (16)
Manager Agreement) and/or any third party engaged by the Program Manager in connection with
the Card Program; (b) any disputes concerning the quality of goods or services purchased from
any merchant that accepted the Card or for any additional fees charged by the operator of POS
(e.g. when You are offered currency conversion choice at a point of sale); and (c) any losses or
damages related to any business or commercial activity You carry on, including any business
losses, loss of profit and loss of business opportunity. We will also not be liable for any loss due
to: (i) any failure due to events outside Our reasonable control or caused by any third party; (ii)
any system failure or industrial dispute outside Our control; (iii) any retailer refusing to or being
unable to accept the Card; (iv) the way in which any refusal to accept the Card is communicated
to You; (v) any infringement by You of these Terms, any currency laws or other Applicable Laws;
(vi) Our taking any action required by any government, federal or state law or regulation or court
order; or (vii) anything specifically excluded or limited elsewhere in these Terms.
11.2 You agree to compensate Us in full for any losses We suffer if You have acted fraudulently, been
negligent or have misused the Card or any of the services which We provide to You.
11.3 The above exclusions and limitations set out in this paragraph shall apply to any liability of Our
affiliates such as the Card Scheme, and other suppliers, contractors, distributors and any of their
respective affiliates (if any), which may arise in connection with these Terms. For all intents and
purposes of the law, We are appearing hereon also as agents for Our affiliates such as the Card
Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if
any), limitedly for the purpose of this clause.
12 Termination Rights
12.1 This agreement will continue in force until termination of Your Program Manager Agreement with
the Program Manager, or unless otherwise terminated in accordance with the provisions of these
Terms.
12.2 If You have applied for the Card online, You can cancel Your Card and terminate this agreement,
without charge, within 14 days from the date Your activation of the Card has been approved by
us. To cancel your Card you should contact Customer Services.
12.3 These Terms may be terminated at any time by You by sending at least thirty (30) days' written
notice to Customer Services.
12.4 We can terminate these Terms and cancel Your Card by sending You at least two (2) months’
written notice. Our notice may be delivered to You by the Program Manager on our behalf,
including via the User Interface.
12.5 A cancellation fee may be deducted from the Available Balance on the Cards, if such fee is
specified in the Schedule.
12.6 During the termination notice period, all Available Balance on pre-funded or debit Card(s) Cards
must be either spent or redeemed by You in accordance with Clause 12.8.
12.7 If an expired Card is not renewed, this agreement will terminate automatically on the Card expiry
date. Any Card renewal shall be subject to these Terms.
12.8 Any remaining funds left on the Card after its cancellation, termination or expiry, less fees in
accordance with the Schedule, can be redeemed by you by contacting Customer Services.
12.9 We may also charge a redemption fee, if such fee is specified in the Schedule, if You request
redemption of any funds held on a Card. We will not charge any redemption fees if Your
redemption request is made after termination of these Terms (or the Card, as applicable), up to
one (1) year after such termination.