Prepaid Cards. Coles Online Mastercard Product Disclosure Statement. Issued by: Indue Ltd Issue Date: July ABN , AFSL No.

Size: px
Start display at page:

Download "Prepaid Cards. Coles Online Mastercard Product Disclosure Statement. Issued by: Indue Ltd Issue Date: July ABN , AFSL No."

Transcription

1 Prepaid Cards Coles Online Mastercard Product Disclosure Statement Issued by: Indue Ltd Issue Date: July 2017 ABN , AFSL No Coles Online Mastercard Product Disclosure Statement

2 Contents Part A Introduction 3 About this Product Disclosure Statement 3 How we are related 3 If you need to contact us 3 Queries and Complaints 4 Your Online Card is not a bank deposit 4 Your tax liability 4 Part B - Coles Online Mastercard Terms and Conditions 5 What you re agreeing to 5 How to get your Online Card 5 Activate your Online Card before you use it 5 Information about using your Online Card 5 How to use your Online Card 6 For how long can I use my Online Card? 6 When we may cancel or limit your Online Card 7 Limitations on the use of your Online Card 7 Returning goods to the merchant 7 Part C - information about privacy 11 Who s responsible for this notice? 11 What personal information do you collect? 11 Why do you collect, use and disclose personal information? 11 What happens if I don t provide you with my personal information? 11 How do you collect personal information about me? 11 Who do you share my personal information with? 11 Do you have a privacy policy? 12 Will you send my personal information overseas? 12 Can I opt out of receiving direct marketing? 12 Communication 12 Part D - Interpretation 13 Meanings of words 13 Interpreting this document 13 The parties to this PDS 13 Information on Fees 8 Using your Online Card for transactions processed outside Australia 8 What if my Card Details are compromised, or there is a transaction that I didn t authorise? 9 Prepaid Service Centre 9 Disputing transactions 10 Changes to this PDS 10 How we may vary and assign our rights under Part B of this PDS 10 How we communicate with you 10 Anti-Money Laundering, Counter-Terrorist Financing and Sanctions 10 Version Coles Online Mastercard Product Disclosure Statement

3 Part A Introduction About this Product Disclosure Statement This Product Disclosure Statement ( PDS ) contains important information about the Coles Online Mastercard (the Online Card ) and its associated benefits, risks and fees. It also includes the terms and conditions that govern the use of your Online Card. The PDS is provided as a requirement pursuant to the Corporations Act 2001 (Cth) and is issued by Indue Ltd ABN ( Indue ) ( we, us, our ). You should read this PDS carefully. By purchasing an Online Card, you agree to the terms and conditions in this PDS. This includes you agreeing to be liable for the transactions made using your Online Card (except as stated otherwise in this PDS). The information in this PDS does not take into account your individual objectives, financial situation or needs. We suggest that you seek advice if you do not understand any of the information in this PDS and how it applies to you. This PDS is dated 18 July The information in this PDS is current as of this date. Who we are Indue: Indue is the issuer of the Online Card. Indue is an authorised deposit-taking institution and a member of Mastercard. Indue holds an Australian Financial Services Licence ( AFSL ), number Coles: Coles Supermarkets Australia Pty Ltd ABN (Authorised Representative number ) and Eureka Operations Pty Ltd ABN (Authorised Representative number ) (referred to individually and collectively as Coles ) are authorised representatives of Indue. Coles Financial Services is a registered trademark of Coles Group Limited. Coles is responsible for promoting and selling the Online Card to you. Coles performs this activity as an agent on behalf of Indue. Coles is authorised by Indue to provide general advice in relation to the Online Cards and to arrange for the Online Cards to be issued to retail customers such as you. By agreeing to the terms and conditions in this PDS, you are entering into a contract with Indue and not with Coles or any member of Coles. Coles receives commission for each Online Card it sells on behalf of Indue. For more information, see the Coles Financial Services Guide available at colesprepaidcards.com.au. How we are related Indue and Coles are not related companies. The Coles entities are all part of the Wesfarmers group of companies. We re not aware of any material conflicts of interest that would affect this product or the service you receive from us or Coles. If you need to contact us Our online Prepaid Service Centre at colesprepaidcards.com.au can provide you with all the support you need for your Online Card. Log in to the Prepaid Service Centre at any time, free of charge. For help with your Online Card, you can also contact the Customer Support Centre by phone or Telephone: The Customer Support Centre operates Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00 am to 1.00pm. The Customer Support Centre does not operate on National Public Holidays or Sundays. A fee may apply if you call our Customer Support Centre. See Information on Fees below. Coles Online Mastercard Product Disclosure Statement 3

4 Queries and Complaints If you have a query, complaint or dispute please contact the Customer Support Centre. We ll investigate your complaint. If we resolve your complaint within 5 Business Days and it is in your favour, we ll let you know and we may do this simply by phoning you. You may request a written response. If we can t resolve your complaint within this timeframe, we ll write to you (by or letter) and let you know how we ll investigate it further. We may require further details. Within 21 days of receiving your complaint or further details from you, we ll write to you to let you know: the outcome of our investigation; or that we need extra time (not more than an extra 24 days) to complete our investigation. In exceptional circumstances, we may need more than 45 days to investigate a complaint. For example, if there are delays caused by other financial institutions or merchants involved in resolving a complaint. If we ve investigated your complaint and you re not satisfied with the outcome, you have the right to contact the Credit and Investments Ombudsman at: PO Box A252 Sydney South NSW Telephone: or Fax: Please note: The Ombudsman will not review your complaint unless you ve first contacted us and we ve investigated it. We and Coles are not responsible for resolving a dispute regarding the goods or services purchased with your Online Card. In the first instance, you should contact the merchant directly. Your Online Card is not a bank deposit We hold funds that are stored on your Online Card in various accounts that we own and control. We earn interest on funds held in these accounts and may share that interest with Coles. You ll not earn any interest or generate revenue on any value that is stored on your Online Card. The Financial Claims Scheme ( FCS ) is a scheme administered by the Australian Prudential Regulation Authority ( APRA ) to protect depositors from potential loss due to the failure of institutions. It provides depositors with a guaranteed protection, up to a cap. As at the date of this PDS, the FCS applies to deposits only. If Indue fails: any value held on your Online Card will not be protected by the FCS; and you may lose all or part of the remaining value of your Online Card. For more information on the FCS, refer to: default.aspx. Your tax liability Because we have not taken into account your individual circumstances or needs, you should get your own independent tax advice in relation to the impact your use of the Online Card may have on your personal tax liability. Fees apply in relation to your Online Card. For details on fees, please see Information on Fees below. 4 Coles Online Mastercard Product Disclosure Statement

5 Part B - Coles Online Mastercard Terms and Conditions What you re agreeing to This PDS governs the purchase, activation and use of your Online Card. By purchasing or receiving an Online Card, you agree to: the terms and conditions contained in this PDS; be liable for the transactions made using the Online Card, unless stated otherwise in this PDS; and being provided with an electronic copy of this PDS as part of purchasing the Online Card or receiving the Online Card as a gift. If you purchase an Online Card as a gift for someone else, you agree to tell the gift recipient that by accepting the Online Card, they will be accepting the terms and conditions contained in this PDS. Activate your Online Card before you use it To activate your Online Card, visit the Prepaid Service Centre at colesprepaidcards.com.au and follow the prompts. You ll need the details we sent to your at the time you purchased your Online Card, or at the time when the Online Card was given to you as a gift. Once you complete the online activation process, you ll be able to use your Card ID and Access Code to login to the Prepaid Service Centre and view the Card Details associated with your Online Card. Information about using your Online Card You can use your Online Card to buy goods and services from merchants who accept Mastercard payments over the internet or over the phone. If you need a hard copy of this PDS, please contact the Customer Support Centre. Tips to help you when reading this PDS Words that are capitalised in this PDS are defined in Part D. References to amounts are in Australian dollars, unless otherwise stated. References to days or times are references to Australian Eastern Standard Time. How to get your Online Card This card is no longer for purchase. Coles Online Mastercard Product Disclosure Statement 5

6 How to use your Online Card There is no physical device (such as a plastic card) associated with your Online Card. You may use the Card Details associated with your Online Card to make transactions over the internet or over the phone. Because there s no physical device associated with your Online Card, you can t use it to make purchases at point-of-sale terminals or to withdraw cash at ATMs or point-of-sale terminals. To make a transaction with the Online Card, you need to use the Card Details associated with your Online Card. A merchant will usually ask you for the relevant card number, Expiry Date and CVV. These Card Details are available to you when you are logged into the Prepaid Service Centre, after you ve activated your Online Card. Note that the card number is different to the Card ID, which you need in order to activate your Online Card in the Prepaid Service Centre. When a transaction takes place using your Card Details, we ll deduct the amount of the transaction from the remaining value on your Online Card. You can use your Online Card to make purchases only up to the Online Card value. If you attempt a transaction that exceeds the value remaining on the Online Card, that transaction will be declined. You don t need to use the whole Online Card value in one transaction. The value available to you by using the Online Card is the initial value of the Online Card at the time you purchased it (not including the Online Card Purchase Fee) less any amounts deducted for purchase transactions, fees and charges and any other deductions made in accordance with this PDS. For how long can I use my Online Card? You can use the Online Card as many times as you like, as long as: you have sufficient value to cover any payment you wish to make; the Expiry Date has not been reached; and your Online Card has not been suspended or cancelled. The Expiry Date is the date that is available to you when you are logged into the Prepaid Service Centre. Your Online Card will expire on the Expiry Date. On the Expiry Date, you ll: no longer be able to use the Card Details to make any purchases; and forfeit any value that remains on your Online Card. Any value remaining on the Expiry Date will not be refunded to you. You cannot reload or add any further monetary value to your Online Card after you have purchased it. You cannot stop a transaction after it has been completed. When you use your Online Card, it enables you to access only the value remaining on your Online Card. 6 Coles Online Mastercard Product Disclosure Statement

7 When we may cancel or limit your Online Card We may cancel or restrict your Online Card at any time. If we do this, we ll notify you by through the address you nominated at the time of purchase. We may, in our discretion, cancel or temporarily suspend your Online Card for security reasons and to protect value on your Online Card. We may do this if: your Card Details have been, or we reasonably suspect have been, compromised; you have caused your Card Details to be compromised; you breach a law or a condition of this PDS and we reasonably believe the breach is of a serious nature; or we reasonably believe that your use of the Online Card may cause us to breach a law. If we cancel or suspend your Online Card, we may, in our sole discretion, refund any remaining value to you. Limitations on the use of your Online Card You must not attempt to use your Card Details to make direct debit or recurring or regular installment payments. If you attempt to use your Card Details in this way, we may suspend or cancel your Online Card and you ll forfeit any remaining value on your Online Card. You must not use your Online Card for illegal purposes, including the purchase of goods or services deemed illegal by any Australian law or the law of any other location where you use your Card or where the relevant goods or services for purchase are provided. We may limit the types of transactions that you can perform using your Online Card. We will maintain a list of these types of transactions (the Prohibited Transactions List) on the website financialservices.coles.com.au/prepaid-cards/ important-information. We may at any time add or remove categories of transactions from the Prohibited Transactions List, so it is important for you to regularly review this list to ensure a transaction you wish to make is not within the prohibited categories. At the date of this PDS, the Prohibited Transactions List includes transactions relating to any form of gambling or gambling services, the purchase of money orders, transactions with financial institutions, transactions with any form of money transfer services, or transaction which may result in the ability to access cash. Sometimes, there may be circumstances beyond the control of Indue or Coles that prevent a transaction being processed. For example, a transaction may not process if there is a problem with the internet gateway to which the merchant s payment facility connects. Returning goods to the merchant You may be entitled to refunds for purchases made using your Online Card. This may involve a credit back onto the value of the Online Card, depending on a merchant s policy. Some merchants may refuse to accept the Online Card. Indue and Coles accept no responsibility if a merchant does not accept your Online Card. Merchants may also impose a fee or surcharge for using their payment facilities. These type of fees fall outside our control. Coles Online Mastercard Product Disclosure Statement 7

8 Information on Fees Fees and charges apply to the use of your Online Card. The following standard fees apply. You agree that, unless otherwise specified, we may deduct these fees from the value of your Online Card, as described below. If you think we have incorrectly applied a fee or charge, please contact the Customer Support Centre. We ll reverse any incorrectly applied fee or charge. We may choose to waive or reduce any of these fees. Using your Online Card for transactions processed outside Australia If you authorise a transaction that is processed overseas or in a currency other than Australian dollars, Mastercard will convert the value of that transaction into Australian dollars. To convert the transaction into Australian dollars, Mastercard will either: convert the value of the transaction directly into Australian dollars; or first convert the currency in which the transaction was made into US dollars and then convert that value to Australian dollars. Part of Mastercard s currency conversion procedure includes using: a wholesale exchange rate; or a government-mandated exchange rate. These rates are selected by Mastercard on the date the relevant transaction is processed. This may differ from the rate which applied on the date you made the transaction or the date we posted the transaction to your transaction history. A Currency Conversion Fee will apply (see Information on Fees above). Mastercard may also do this even if the transaction amount was quoted to you in Australian dollars. This can happen, for example, if the online price quoted by a merchant operating overseas is in Australian dollars, but the transaction is processed by the merchant in the merchant s local currency. FEE DESCRIPTION Call Centre Fee: payable when you call the Customer Support Centre and speak to a consultant to make a request or obtain information that is available to you by logging in to the Prepaid Service Centre. This fee may also apply if we call you because you request us to call you so that you can speak to a consultant to make a request or obtain information that is available to you by logging in to the Prepaid Service Centre. Balance Check Fee: payable when you call the Customer Support Centre and use our automated telephone service to obtain your Online Card balance. Tip: you can obtain your Online Card balance and transaction history free of charge by logging into the Prepaid Service Centre. Currency Conversion Fee: payable and deducted from the value of your Online Card at the same time you make a transaction using the Card Details associated with your Online Card in a currency other than Australian dollars, or you make a transaction using those Card Details in any currency (including AUD) that is processed by a card scheme or billed by the merchant outside of Australia. FEE AMOUNT $4.00 per call $0.50 per call 3% of the total amount of each relevant transaction. 1% of the total amount of each such transaction is payable to Mastercard as a currency conversion charge and the remaining 2% of the total amount of each such transaction is an administration fee payable to us. All fees are inclusive of any GST 8 Coles Online Mastercard Product Disclosure Statement

9 What if my Card Details are compromised, or there is a transaction that I didn t authorise? Ensure you keep your Card Details secure. Anyone who knows your Card Details can use the value available on your Online Card to make purchases. You are responsible for all transactions made using your Online Card. We are not responsible for any unauthorised or fraudulent transactions, which may occur by the use of your Card Details. We will not refund you the value of any unauthorised or fraudulent transactions that may occur. To help maintain the security of your Card Details: don t access the Prepaid Service Centre or any other website via a link embedded in an . Always access a website directly from your internet browser; don t tell anyone else, including any family member or friend, your login details (Card ID and Access Code) for the Prepaid Service Centre or your Card Details or provide them with access to your ; don t print or write down your Card Details; always log out of the Prepaid Service Centre once you have finished using it and whenever you are away from your computer, tablet or mobile device; don t login to the Prepaid Service Centre from a public internet connection, for example at an airport or internet café; check your transaction history regularly (available when you are logged into the Prepaid Service Centre) to identify and report, as soon as possible, any instances of unauthorised use; and maintain up-to-date anti-virus software and a firewall on your devices from which you access the Prepaid Service Centre and your devices from which you access your . If you think your Card Details are known to someone else or are otherwise compromised, we will not provide you with a refund or replace your Card Details. If you suspect an unauthorised transaction, immediately report this by calling the Customer Contact Centre on We may be able to investigate a disputed transaction on your behalf. Please refer to Disputing Transactions below. We may (at our discretion) provide you with new Card Details if there was a fault with your original Card Details. If we do this, the new Card Details will provide you with access to an Online Card with the same value as the amount that was remaining on your original Online Card at the time we provided you with the new Card Details. Prepaid Service Centre The Prepaid Service Centre is an online self service centre that allows you to check your transaction history, your remaining balance, and manage how you use your Online Card. The Prepaid Service Centre is free to use. It s available 24 hours a day, 7 days a week (other than for occasional site maintenance) and you can use it from wherever you have access to the internet. For information about the Prepaid Service Centre, go to colesprepaidcards.com.au. The Prepaid Service Centre is governed by terms and conditions which are available at that site. You agree to these terms and conditions when you first register to use the Prepaid Service Centre. Coles Online Mastercard Product Disclosure Statement 9

10 Disputing transactions We have the ability in certain circumstances to investigate disputed transactions which occur on your Online Card and attempt to obtain a refund for you. In accordance with the Mastercard scheme rules, our ability to investigate a disputed transaction on your behalf is limited to the time frames imposed pursuant to those rules. The maximum timeframes vary between 75 days and 120 days from the time of the transaction so it is important that you notify us as soon as you become aware of a disputed transaction. Changes to this PDS The information in this PDS is current as at the date stated at the beginning of this document. We may change, add to or delete the terms and conditions in this PDS at any time. If we make a change that involves an increase in our fees, or if we make another change that may be to your disadvantage, we ll provide you with at least 30 days prior notice of the change or variation. You consent to us notifying you by for this purpose. If we make a change to this PDS, we ll update the PDS by amending the version of this PDS that is available at psc.colesprepaidcards.com.au/productinformation. The PDS available via that website will be the latest version and will be at no cost to view. You may request a paper copy of the latest version of the PDS from the Customer Support Centre. If you wish to cancel your Online Card as a result of any change or variation we make to this PDS, you must contact the Customer Support Centre to cancel your Online Card. How we may vary and assign our rights under Part B of this PDS You may not assign your rights under this PDS to any other person. We may assign our rights or transfer the PDS to a related third party, or an unrelated third party with dispute resolution procedures that are similar to ours or more favourable to you. If we do that, the terms and conditions in this PDS will apply to the transferee or assignee as if it were named as Indue. How we communicate with you You agree that Indue or Coles may contact you by writing to you at your address. A communication sent by Coles or Indue to you by is taken to have been received on the day it was transmitted. A communication sent by Coles or Indue via post is considered to have been received as at when it would be delivered in the ordinary course of the post. Anti-Money Laundering, Counter-Terrorist Financing and Sanctions You acknowledge and agree that: where required, you ll give us all information we reasonably request so that we can comply with our obligations under AML Legislation; our participation in the Mastercard scheme rules may mean that the laws of other countries may apply; we may disclose information about you to regulatory and/or law enforcement agencies as required under relevant laws; we may cancel or restrict your access to your Online Card if we become aware of any suspicious activity; we may block, delay, freeze or refuse any transactions if we, in our sole opinion, have reasonable grounds to believe the relevant transactions are fraudulent, in breach of AML Legislation or any other relevant law; if we block, delay, freeze or refuse, any transactions we are not liable to you for any loss suffered by you or any third party arising directly or indirectly as a result of us taking this action; and we may monitor transactions you make with your Online Card under the obligations we may have under AML Legislation. We may block your ability to use your Online Card in certain countries, such as countries that are on the United Nations Security Council Sanctions List. If we assign this PDS, we ll provide you with notice and you ll have the right to cancel your Online Card. 10 Coles Online Mastercard Product Disclosure Statement

11 Part C - information about privacy Who s responsible for this notice? This is a joint Privacy Notice provided to you by: Coles Supermarkets Australia Pty Ltd ABN (Coles) and its associated entities (together the Coles companies ); and Indue Ltd ABN ( Indue ), the issuer of Coles Prepaid Cards. It contains important information about the collection, use and disclosure of personal information by the Coles companies and Indue. In this Part C, where personal information is collected, used and disclosed for the same purposes by both companies, the words we or us are used. Where personal information is treated differently, the organisation is identified separately. Coles has a contractual arrangement with Indue to issue the Coles Prepaid Cards (the cards ) to eligible customers. What personal information do you collect? We collect information: you provide to us; about your card, including how you use your card and your card transactions; held by service providers in relation to the operation of your card account; and that you may provide us when you need our assistance. Why do you collect, use and disclose personal information? Indue collects, uses and discloses your personal information: to verify your identity and the information you have provided to us, where necessary; to assess your request for a card or any upgrade and, if approved, to establish and then administer your card; for internal management purposes and to perform administrative tasks and manage business operations related to your card and resolving disputes in relation to your card; for planning, product and service development, and research purposes; for fraud and crime prevention and investigation; and to comply with laws that may require or authorise Indue to obtain information about you, such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and other related legislation. Coles companies collect, use and disclose your personal information to provide, administer, improve and personalise Coles companies products and services. This includes: promoting and providing benefits associated with your card; managing promotions and conducting product and marketing research; communicating with you (including direct marketing); maintaining and updating our records; improving our understanding of your interests, suitability and behaviour in relation to products, services and offers and your eligibility for special offers; and working with service providers and other companies in the Wesfarmers group for the purposes described above. What happens if I don t provide you with my personal information? If you don t provide us with your personal information, we may not be able to provide our products or services to you. For example, we may not be able to process your request for a card or the benefits associated with it. How do you collect personal information about me? We usually collect personal information about you directly from you whenever possible. We may also collect personal information about you from each other and third parties where it s unreasonable or impracticable for us to collect it directly from you. This may include government bodies or other financial institutions. Who do you share my personal information with? To make it easy for you to interact with us and to ensure we re able to provide you with a more personal consistent experience, we may exchange personal information as set out below for the purposes described in this Privacy Notice. Coles Online Mastercard Product Disclosure Statement 11

12 Indue may share your personal information with: Coles companies; service providers including call centres, mailing houses, researchers, professional advisers, and organisations providing services; credit reporting bodies or other businesses, organisations or government bodies that provide personal information for identity verification purposes; other financial institutions and government bodies; card schemes such as Mastercard; organisations through whom you choose to make top-ups to your Online Card; providers of services related to the Online Card such as card manufacturers; organisations wishing to acquire an interest in any part of Indue s business for assessing or implementing any such acquisition; and other organisations as required or authorised by law, for example, to government or regulatory bodies. Coles companies may share your personal information with: each other for the purposes set out in this Privacy Notice; Indue; business partners from time to time for analysis and research purposes and in the development of products, services and promotional offers; service providers including call centres, mailing and printing houses, researchers, professional advisers; and other organisations as required or authorised by law, for example, to government or regulatory bodies. Do you have a privacy policy? To find out more about how we manage your personal information, you can access the privacy policies of Coles and Indue at au/privacy. The privacy policies contain information about how you can raise a concern in relation to your privacy and how we ll deal with such a concern. They also contain information about how you can access the personal information we hold about you and how you can ask us to correct that information. Will you send my personal information overseas? In some circumstances, Indue may disclose your personal information to service providers located overseas. Where such disclosures occur, arrangements will be put in place to protect your personal information. It is not practicable to list every country in which such recipients are located but it is likely that the countries to which Indue may disclose your information include the United Kingdom and the Netherlands. Service providers to whom Coles discloses personal information may be located in Australia and other countries including Ireland, Hong Kong, Singapore, and the United States of America. Indue and Coles take steps to ensure that their service providers are obliged to protect the privacy and security of your personal information and use it only for the purpose for which it is disclosed. Can I opt out of receiving direct marketing? Coles may provide marketing communications and targeted advertising to you on an ongoing basis by telephone, electronic messages (eg. ), our digital services and other means. These communications may relate to the products and services we, including other Wesfarmers group companies, provide and other products which may be of interest to you. Unless you tell us that you no longer wish to receive these communications, the consent you give us by accepting this Privacy Notice applies for an indefinite period of time. If you do not want to receive direct marketing information from Coles, please contact the Customer Support Centre. Communication If you provide Indue with an address, you consent to electronic communications being sent to you via that address, including notices and reminders. To protect your privacy, we recommend that any address you provide to us be your personal address rather than, for example, an address accessible by your work colleagues or family members. 12 Coles Online Mastercard Product Disclosure Statement

13 Part D - Interpretation Meanings of words In this PDS, unless otherwise indicated: Access Code means the code we provide to you when you first log in to the Prepaid Service Centre. The Access Code is necessary for you to activate your Online Card and continue to access the Prepaid Service Centre to view details in relation to your Online Card. AML Legislation means the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) and its associated rules, regulatory guides and regulations. ATM means an automatic teller machine. Business Day means a day that banking institutions are open in Brisbane, excluding Saturday, Sunday and public and bank holidays. Card Details means the information (including a card number, CVV and expiry date) that we make available to you via the Prepaid Service Centre and which is associated with your specific Online Card that enables a transaction to be completed. Card ID means a number associated with your Online Card, but which is different to the card number. We provide you with the Card ID when you first purchase your Online Card and it is necessary to enable you to access the Prepaid Service Centre. Coles means individually or collectively, Coles Supermarkets Australia Pty Ltd ABN and Eureka Operations Pty Ltd ABN Coles Prepaid Card means any prepaid card product in the Coles suite of prepaid cards. At the date of this PDS, these include the Coles Online Mastercard (described in this PDS), the Coles Gift Mastercard and the Coles Reloadable Mastercard. Customer Support Centre means the support services available to address your Online Card queries or to provide any other assistance to you. Details for the Customer Support Centre are found in Part A of this PDS. CVV means the 3-digit card security code (or Card Verification Value ) associated with your Online Card. Expiry Date means the expiry date associated with your Online Card and which we provide to you via . Mastercard means Mastercard International Incorporated. Negative Balance means that the value of your Online Card is negative (less than $0.00) rather than positive ($0.00 or greater). Online Card means the Coles Online Mastercard card issued by Indue to you and described in this PDS. Prepaid Service Centre means the website located at colesprepaidcards.com.au where you may login to access information about your Online Card and manage your Online Card. We, us, our means Indue, unless otherwise specified in this PDS. You, your means the person to whom the Online Card is issued, being the person who purchased the Online Card or the person who received the Online Card as a gift. Interpreting this document In this document: one gender includes the other; the singular includes the plural and the plural includes the singular; a party named in this PDS includes the party s executors, administrators, successors and permitted assigns; including and similar expressions are not words of limitation; where a word or expression is given a particular meaning, other parts of speech and grammatical forms of that word or expression have a corresponding meaning; headings and any table of contents or index are for convenience only and do not form part of this Agreement or affect its interpretation; if an act must be done on a specified day which is not a Business Day, it must be done on the next business day. The parties to this PDS If a party consists of more than 1 person, the terms and conditions in this PDS bind each of them separately and 2 or more of them jointly and severally. An obligation, representation or warranty in favour of more than 1 person is for the benefit of them separately and jointly. We may use service providers or agents to perform any function described in this PDS and to exercise any of our rights. The Mastercard Brand Mark is a registered trademark of Mastercard International Incorporated. 13 Coles Online Mastercard Product Disclosure Statement

Prepaid Cards. Coles Gift Mastercard Conditions of Use. Issued by: Indue Ltd Issue Date: July 2017 ABN

Prepaid Cards. Coles Gift Mastercard Conditions of Use. Issued by: Indue Ltd Issue Date: July 2017 ABN Prepaid Cards Coles Gift Mastercard Conditions of Use Issued by: Indue Ltd Issue Date: July 2017 ABN 97 087 822 464 1 Coles Gift Mastercard Conditions of Use Contents What you re agreeing to 3 Tips to

More information

Prepaid Cards. Coles Reloadable Mastercard Product Disclosure Statement. Issued by: Indue Ltd Issue Date: July Prepaid Reloadable

Prepaid Cards. Coles Reloadable Mastercard Product Disclosure Statement. Issued by: Indue Ltd Issue Date: July Prepaid Reloadable Prepaid Cards Prepaid Reloadable Coles Reloadable Mastercard Product Disclosure Statement Issued by: Indue Ltd Issue Date: July 2017 ABN 97 087 822 464, AFSL No. 320204 1 Coles Reloadable Mastercard Product

More information

Rewarder Loyalty Program Conditions of Use

Rewarder Loyalty Program Conditions of Use Rewarder Loyalty Program Conditions of Use Issued date 20 March 2015 Issued by QPCU Limited T/A QBANK ABN 79 087 651 036 AFSL No. 241413 Australian Credit Licence 241413 1 2 REWARDER LOYALTY PROGRAM This

More information

Queensland Country. rewarder. Application, Terms and Conditions EFFECTIVE FROM 01 SEPTEMBER a refreshing attitude to banking

Queensland Country. rewarder. Application, Terms and Conditions EFFECTIVE FROM 01 SEPTEMBER a refreshing attitude to banking Queensland Country rewarder Application, Terms and Conditions EFFECTIVE FROM 01 SEPTEMBER 2015 a refreshing attitude to banking Contents Application for Rewarder 1 PART A 3 1. General 3 2. Important 3

More information

ANZ EFTPOS card and ANZ Visa Debit card CONDITIONS OF USE

ANZ EFTPOS card and ANZ Visa Debit card CONDITIONS OF USE ANZ EFTPOS card and ANZ Visa Debit card CONDITIONS OF USE As part of our commitment to you, this document meets the WriteMark Plain English Standard. If you have any questions about these Conditions of

More information

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions. Building Society

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions. Building Society Building Society Nationwide Paym Terms and Conditions How will Nationwide use your personal information? In signing up and agreeing to these terms and conditions, you give your express consent to the use

More information

The Bank of Elk River: Digital Wallet Terms and Conditions

The Bank of Elk River: Digital Wallet Terms and Conditions The Bank of Elk River: Digital Wallet Terms and Conditions These Terms of Use ("Terms") govern your use of any eligible debit card issued by The Bank of Elk River (a "Payment Card") when you add, attempt

More information

ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT. Abington Bank 6 Harrison Avenue Abington, MA (781)

ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT. Abington Bank 6 Harrison Avenue Abington, MA (781) ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT Abington Bank (781)878-0045 www.abingtonbank.com For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Abington Bank. The

More information

LEISURE VOUCHERS TERMS AND CONDITIONS

LEISURE VOUCHERS TERMS AND CONDITIONS LEISURE VOUCHERS TERMS AND CONDITIONS Your Balance can be checked by clicking Here This card expires 24 months after the last use Can be used online and in store Maximum load 500 Please enter 10 digit

More information

ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT

ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Orrstown Bank. The terms "you" and "your" refer to the recipient

More information

PRODUCT DISCLOSURE STATEMENT FOR THE THIRSTY CAMEL CARD

PRODUCT DISCLOSURE STATEMENT FOR THE THIRSTY CAMEL CARD PRODUCT DISCLOSURE STATEMENT FOR THE THIRSTY CAMEL CARD Issued by LiquorSmart Pty Ltd (ABN 45 089 797 491) of 8/161 Ward Street, North Adelaide SA 5006 trading as Thirsty Camel Effective Date 1 st May

More information

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to the recipient of this disclosure.

More information

STARHUB'S DATA PROTECTION POLICY PLEASE READ THESE TERMS CAREFULLY AS THEY MAY HAVE IMPORTANT CONSEQUENCES FOR YOU.

STARHUB'S DATA PROTECTION POLICY PLEASE READ THESE TERMS CAREFULLY AS THEY MAY HAVE IMPORTANT CONSEQUENCES FOR YOU. STARHUB'S DATA PROTECTION POLICY PLEASE READ THESE TERMS CAREFULLY AS THEY MAY HAVE IMPORTANT CONSEQUENCES FOR YOU. ABOUT THESE TERMS & CONDITIONS This is StarHub's data protection policy for all our customers

More information

account(s) Powers Ferry Road #150 Atlanta, Georgia (770)

account(s) Powers Ferry Road #150 Atlanta, Georgia (770) ELECTRONIC FUND TRANSFER DISCLOSURE Georgia Banking Company 6190 Powers Ferry Road #150 Atlanta, Georgia 30339-2985 (770)226-8800 www.geobanking.com For purposes of this disclosure the terms "we", "us"

More information

BOQ Specialist Velocity Rewards Program

BOQ Specialist Velocity Rewards Program BOQ Specialist Velocity Rewards Program Terms and Conditions Effective 1 August 2017 Terms and Conditions 1. Important 1.1 Please read these Terms and Conditions carefully. They set out the circumstances

More information

ANZ TRAVEL CARD PRODUCT DISCLOSURE STATEMENT CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY)

ANZ TRAVEL CARD PRODUCT DISCLOSURE STATEMENT CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY) ANZ TRAVEL CARD PRODUCT DISCLOSURE STATEMENT 19.02.2018 CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY) ANZ Travel Card Contact Details Postal address Locked Bag 35006 COLLINS STREET

More information

frank green Pay Product Disclosure Statement and Conditions of Use Version 1.0 frank green Pay Product Disclosure Statement and Conditions of Use V1.

frank green Pay Product Disclosure Statement and Conditions of Use Version 1.0 frank green Pay Product Disclosure Statement and Conditions of Use V1. frank green Pay Product Disclosure Statement and Conditions of Use Version 1.0 frank green Pay Product Disclosure Statement and Conditions of Use V1.0 I TABLE OF CONTENTS DEFINITIONS... 9 1. Definitions...

More information

OLA Privacy Policy for Australia

OLA Privacy Policy for Australia OLA Privacy Policy for Australia 1. Respecting your privacy OLA Australia Pty Ltd and its related bodies corporate (including its ultimate holding company, ANI Technologies Private Limited) (the OLA Group)

More information

ANZ EASYTRANSACT AND THE SUPER CLEARING SERVICE

ANZ EASYTRANSACT AND THE SUPER CLEARING SERVICE ANZ EASYTRANSACT AND THE SUPER CLEARING SERVICE PRODUCT DISCLOSURE STATEMENT 8 MARCH 2017 CONTENTS EASYTRANSACT AND THE SUPER CLEARING SERVICE 3 EASYTRANSACT AND THE SUPER CLEARING SERVICE TERMS AND CONDITIONS

More information

Current Version: June 9, 2017 DIGITAL WALLET AGREEMENT. This Agreement is between you and Coast Capital Savings Credit Union ( CCS ).

Current Version: June 9, 2017 DIGITAL WALLET AGREEMENT. This Agreement is between you and Coast Capital Savings Credit Union ( CCS ). Current Version: June 9, 2017 DIGITAL WALLET AGREEMENT This Agreement is between you and Coast Capital Savings Credit Union ( CCS ). Your use of any eligible third party mobile payment or digital wallet

More information

EUROPEAN UNION GENERAL DATA PROTECTION REGULATION (EU GDPR) Privacy Statement

EUROPEAN UNION GENERAL DATA PROTECTION REGULATION (EU GDPR) Privacy Statement EUROPEAN UNION GENERAL DATA PROTECTION REGULATION (EU GDPR) Privacy Statement Privacy Statement We respect your personal data and this privacy notice explains how we handle your personal data and your

More information

Currency by ANZ Terms and Conditions and Licence Agreement for ios Devices

Currency by ANZ Terms and Conditions and Licence Agreement for ios Devices Currency by ANZ Terms and Conditions and Licence Agreement for ios Devices VERSION: 1.0 DATED: 1ST JULY 2015 Contents 1. Introduction 3 2. Eligibility 3 3. Fees and Charges 3 4. Functionality 4 5. Your

More information

OUR CUSTOMER TERMS CLOUD SERVICES TELSTRA APPS MARKETPLACE

OUR CUSTOMER TERMS CLOUD SERVICES TELSTRA APPS MARKETPLACE CONTENTS Click on the section that you are interested in. 1 Applicable Terms 2 2 What is the Telstra Apps Marketplace? 2 3 Telstra Apps Marketplace General Terms 6 4 Telstra Apps Marketplace Support 12

More information

Terms and Conditions for using BEA Credit Card in Digital Wallet

Terms and Conditions for using BEA Credit Card in Digital Wallet Terms and Conditions for using BEA Credit Card in Digital Wallet These Terms and Conditions for using your BEA Credit Card in Digital Wallet ("Terms and Conditions") apply when you choose to add a BEA

More information

Global Currency Card.

Global Currency Card. Global Currency Card. welcome wilkommen bienvenido bem-vinda bienvenue benvenuti Introducing the Global Currency Card. It s the re-loadable prepaid Visa card that can be used to make payments in multiple

More information

Terms and Conditions for Adding Your City National Bank (CNB) Debit card to Digital Pay

Terms and Conditions for Adding Your City National Bank (CNB) Debit card to Digital Pay Terms and Conditions for Adding Your City National Bank (CNB) Debit card to Digital Pay These Terms and Conditions for Adding Your City National Bank ( CNB ) debit card to Digital Pay (the Terms ) apply

More information

Online Store Application Form

Online Store Application Form Online Store Application Form You need to be a Lincoln Sentry Account holder to place orders using the online store website. Please provide your existing Lincoln Sentry account number. Submit the completed

More information

Customer Charter. Small Customer Charter. Version June Tango Energy Pty Ltd ABN

Customer Charter. Small Customer Charter. Version June Tango Energy Pty Ltd ABN Customer Charter Small Customer Charter Version 3.2 14 June 2017 Tango Energy Pty Ltd ABN 43 155 908 839 tangoenergy.com Table of Contents 1. Our commitment to you... 3 2. What s the difference between

More information

UNITED BANK FOR AFRICA (UK) LIMITED PRIVACY NOTICE

UNITED BANK FOR AFRICA (UK) LIMITED PRIVACY NOTICE UNITED BANK FOR AFRICA (UK) LIMITED PRIVACY NOTICE United Bank for Africa (UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential

More information

Terms & Conditions for Octopus Online Payment Service

Terms & Conditions for Octopus Online Payment Service 中文版 Terms & Conditions for Octopus Online Payment Service Please read these terms and conditions (these Terms and Conditions ) and the Conditions of Issue of Octopus (as amended from time to time) (the

More information

Hive Video Playback Membership Terms and Conditions

Hive Video Playback Membership Terms and Conditions Hive Video Playback Membership Terms and Conditions These are the terms and conditions for your Hive Video Playback Membership. Please read these terms and conditions as they, along with your order form

More information

Current Account Credit Card. Privacy Notice

Current Account Credit Card. Privacy Notice Current Account Credit Card Privacy Notice Contents Introduction 3 What sort of data do we hold about you? 3 What about joint applications and additional cardholders? 4 How does Tesco Bank use your personal

More information

FULL TERMS AND CONDITIONS

FULL TERMS AND CONDITIONS FULL TERMS AND CONDITIONS Super Cheap Auto (Australia) CLUB PLUS Membership 1. In these Terms and Conditions: 1.1. Club Plus Card means a membership card issued pursuant to this Program; 1.2. Club Plus

More information

Why does AM collect personal information?

Why does AM collect personal information? Alternative Media ( AM ) is committed to protecting the privacy and personal information of its customers. This Privacy Policy describes the practices and processes AM has in place to properly manage and

More information

Legal & General (Unit Trust Managers) Limited Privacy Policy

Legal & General (Unit Trust Managers) Limited Privacy Policy Legal & General (Unit Trust Managers) Limited Privacy Policy Legal & General takes your privacy very seriously. Under data protection legislation, we have classified Legal & General (Unit Trust Managers)

More information

The M&G ISA Application for tax year ending 5 April 20 Y

The M&G ISA Application for tax year ending 5 April 20 Y The M&G ISA Application for tax year ending 5 April 20 Y Y INVESTMENTS This form: can be used to invest in The M&G ISA for the first time can be used to make an additional subscription to your M&G ISA,

More information

Privacy Policy of Brothers Leagues Club Ipswich Inc. Community Club Licence No

Privacy Policy of Brothers Leagues Club Ipswich Inc. Community Club Licence No Privacy Policy of Brothers Leagues Club Ipswich Inc. Community Club Licence No. 80331. Application The Privacy Policy applies to personal information collected by the club, as the club is an applicable

More information

REWARD ME LOYALTY APPLICATION TERMS AND CONDITIONS

REWARD ME LOYALTY APPLICATION TERMS AND CONDITIONS 1. SHOPPING CENTRE LOYALTY APPLICATION REWARD ME LOYALTY APPLICATION TERMS AND CONDITIONS 1. These official terms and conditions (T&Cs) apply to the loyalty application conducted by Retail First Pty Ltd

More information

Bakers Delight Tasmanian Delightful Spend & Save Promotion ( The Promotion ) Terms & Conditions

Bakers Delight Tasmanian Delightful Spend & Save Promotion ( The Promotion ) Terms & Conditions Bakers Delight Tasmanian Delightful Spend & Save Promotion ( The Promotion ) Terms & Conditions Definitions Account means the Bakers Delight Tasmanian Delightful Spend & Save online account set up for

More information

Important Notice to Commonwealth Bank Customers

Important Notice to Commonwealth Bank Customers Important Notice to Commonwealth Bank Customers Effective 28 June 2017, the CommBank Travel Money Card product disclosure and conditions of use dated 1 May 2017 is amended as follows: Page 27, 7.1, replace

More information

Privacy Policy of Townsville Motor Boat & Yacht Club Limited - Liquor Licence Number 84145

Privacy Policy of Townsville Motor Boat & Yacht Club Limited - Liquor Licence Number 84145 Privacy Policy of Townsville Motor Boat & Yacht Club Limited - Liquor Licence Number 84145 Application The Privacy Policy applies to personal information collected by the club, as the club is an applicable

More information

Business Debit Card. Cardholder Terms. 43 DL.indd 1 09/11/ :2

Business Debit Card. Cardholder Terms. 43 DL.indd 1 09/11/ :2 Business Debit Card Cardholder Terms 43 DL.indd 1 09/11/2010 09:2 2 3 Cardholder Terms These Business Debit Card Cardholder Terms (these Cardholder Terms ) apply to the use of the Business Debit Card issued

More information

Terms of Sale. Page 1 of 5

Terms of Sale. Page 1 of 5 Terms of Sale You should print a copy of these Terms for future reference. Please understand that if you refuse to accept these Terms, you will not be able to order any Magazines or Products from our Websites.

More information

Terms & Conditions for Purchases onthe Three Online Shop

Terms & Conditions for Purchases onthe Three Online Shop Terms & Conditions for Purchases onthe Three Online Shop The following terms and conditions apply to purchases of goods and services ("Products") from the Three Online Shop and set out the agreement between

More information

INTERAC Online Schedule Terms and Conditions

INTERAC Online Schedule Terms and Conditions INTERAC Online Schedule Terms and Conditions This Schedule to your Moneris Merchant Agreement (the Agreement ) contains the additional terms and conditions that apply if we provide INTERAC Online Transaction

More information

Ulster Bank debitcard Your guide to getting the most from your card

Ulster Bank debitcard Your guide to getting the most from your card Ulster Bank debitcard Your guide to getting the most from your card Welcome to your Ulster Bank debitcard Your Ulster Bank debitcard is accepted in over 30 million retailer outlets around the world wherever

More information

OceanPay. OceanPay Visa Prepaid Card. OceanPay Wire Services. Frequently Asked Questions

OceanPay. OceanPay Visa Prepaid Card. OceanPay Wire Services. Frequently Asked Questions OceanPay a direct deposit payroll card Your wages are deposited directly to your OceanPay Card, which can be used worldwide at over 20 million locations everywhere Visa debit cards are accepted. to pay

More information

RTO Data Cloud - Terms of Use

RTO Data Cloud - Terms of Use RTO Data Cloud - Terms of Use 1. ABOUT THESE TERMS 1.1 These are the terms and conditions for our supply of RTO Data Cloud to you, including our obligations to each other (Terms). 1.2 These Terms apply

More information

DELL BANK INTERNATIONAL D.A.C DATA PROTECTION STATEMENT - USE OF PERSONAL DATA 1

DELL BANK INTERNATIONAL D.A.C DATA PROTECTION STATEMENT - USE OF PERSONAL DATA 1 DELL BANK INTERNATIONAL D.A.C DATA PROTECTION STATEMENT - USE OF PERSONAL DATA 1 1. Introduction & Scope This Data Protection Statement ( Statement ) sets out how we, Dell Bank International d.a.c., trading

More information

PRIVACY POLICY. VERSION 1.3 Keystone Property Finance 42 Kings Hill Avenue, Kings Hill, West Malling, Kent M19 4AJ

PRIVACY POLICY. VERSION 1.3 Keystone Property Finance 42 Kings Hill Avenue, Kings Hill, West Malling, Kent M19 4AJ PRIVACY POLICY VERSION 1.3 Keystone Property Finance 42 Kings Hill Avenue, Kings Hill, West Malling, Kent M19 4AJ Contents INTRODUCTION... 2 WHY WE PROVIDE YOU WITH OUR PRIVACY NOTICE... 2 OUR PRIVACY

More information

ONLINE SUNGLASSES BOUTIQUE TERMS AND CONDITIONS 1. ABOUT US AND THE CHANEL SUNGLASSES ONLINE BOUTIQUE

ONLINE SUNGLASSES BOUTIQUE TERMS AND CONDITIONS 1. ABOUT US AND THE CHANEL SUNGLASSES ONLINE BOUTIQUE ONLINE SUNGLASSES BOUTIQUE TERMS AND CONDITIONS 1. ABOUT US AND THE CHANEL SUNGLASSES ONLINE BOUTIQUE 1.1 Welcome to our CHANEL web site www.chanel.com/en_gb/fashion/sunglasses/ the "CHANEL Sunglasses

More information

Tide Terms & Conditions

Tide Terms & Conditions Tide Terms & Conditions Important information you need to know The Tide E-Money Account Agreement: Please read this Agreement carefully before you activate your Tide Card or use any of our services. This

More information

COMMANDER GROUP PRIVACY POLICY

COMMANDER GROUP PRIVACY POLICY COMMANDER GROUP PRIVACY POLICY The Commander brand (Commander, we, us, our) comprises of M2 Commander Pty Ltd and M2 Energy Pty Ltd trading as Commander Power & Gas and both are wholly owned subsidiaries

More information

Tech Credit Union Online Banking & Telephone Teller User Agreement January 11, 2012

Tech Credit Union Online Banking & Telephone Teller User Agreement January 11, 2012 Tech Credit Union Online Banking & Telephone Teller User Agreement January 11, 2012 Your use of either Online Banking or Telephone Teller is considered acknowledgement and agreement that you have read

More information

a switched on service Electricity Customer Service Charter

a switched on service Electricity Customer Service Charter a switched on service Electricity Customer Service Charter contents Our service commitment to you 4 Our role: electricity retailer 8 Western Power s role: electricity distributor 10 Information and communication

More information

Bank of China (UK) Limited Privacy Notice

Bank of China (UK) Limited Privacy Notice Bank of China (UK) Limited Privacy Notice Who we are Your information will be held by Bank of China (UK) Limited, which is a company incorporated in England (company number 6193060) and which has its registered

More information

Northcliffe Surf Life Saving Supporters Association Inc. Privacy Policy

Northcliffe Surf Life Saving Supporters Association Inc. Privacy Policy Northcliffe Surf Life Saving Supporters Association Inc. Privacy Policy Privacy Policy of Northcliffe Surf Life Saving Supporters Association Inc., Liquor License 80338 Application The Privacy Policy applies

More information

Terms and Conditions for i-p2p Payment Services

Terms and Conditions for i-p2p Payment Services Terms and Conditions for i-p2p Payment Services In consideration of The Bank of East Asia, Limited 東亞銀行有限公司 ( BEA or the Bank ) agreeing to provide i- P2P payment services (the Services ) through BEA App

More information

Cash account. Current accounts

Cash account. Current accounts Cash account. Current accounts What you can do with your Cash account. Here s a quick look at what you get with your Cash account. You can find out more about these features further on in the brochure.

More information

Blue Telecom is compliant with the Telecommunications Consumer Protection Code (C628:2012), which applies if you meet one of the criteria below.

Blue Telecom is compliant with the Telecommunications Consumer Protection Code (C628:2012), which applies if you meet one of the criteria below. Blue Telecom Regulatory Compliance Statement Blue Telecom is compliant with the Telecommunications Consumer Protection Code (C628:2012), which applies if you meet one of the criteria below. You are an

More information

TERMS AND CONDITIONS. Schedule D: (Note: This document regulates the relationship between the

TERMS AND CONDITIONS. Schedule D: (Note: This document regulates the relationship between the TERMS AND CONDITIONS Schedule D: (Note: This document regulates the relationship between the INTELLIACC PROGRAM Members and the Store) LOYALTY MEMBERS TERMS & CONDITIONS (18 JUNE 2014 Latest update) We

More information

Basic Account. The essential guide to your new account

Basic Account. The essential guide to your new account Basic Account The essential guide to your new account Our commitment to you We re committed to becoming Scotland s most helpful bank. It s not just words, it s a goal at our very core, guided by four commitments

More information

Privacy Statement for ING customers. Americas - May 2018

Privacy Statement for ING customers. Americas - May 2018 Privacy Statement for ING customers Americas - May 2018 Contents 1. About this Privacy Statement 3 2. The types of data we collect about you 3 3. What we do with your personal data 3 4. Who we share your

More information

Important changes to our Individual Savings Accounts (ISAs) Terms and Conditions

Important changes to our Individual Savings Accounts (ISAs) Terms and Conditions Important changes to our Individual Savings Accounts (ISAs) Terms and Conditions Which take effect on 13 January 2018 What s in this brochure We re letting you know about some important changes we re making

More information

General Terms and Conditions of the "my paysafecard" Account Version: 01/2018

General Terms and Conditions of the my paysafecard Account Version: 01/2018 General Terms and Conditions of the "my paysafecard" Account Version: 01/2018 1. General 1.1 The my paysafecard account is set up and managed by Prepaid Services Company Limited (referred to below as "PSC",

More information

Current accounts Under 19s account.

Current accounts Under 19s account. Current accounts Under 19s account. For 16 18 year olds Your TSB current account. Your Under 19s account is a great place to save for something special, pay in your wages or just keep your money safe.

More information

OUR CUSTOMER TERMS GENERAL TERMS FOR CORPORATE CUSTOMERS CONTENTS

OUR CUSTOMER TERMS GENERAL TERMS FOR CORPORATE CUSTOMERS CONTENTS CONTENTS 1 ABOUT OUR CUSTOMER TERMS... 3 What is Our Customer Terms?... 3 Who is a corporate customer?... 3 Reference to General Terms... 3 Changing Our Customer Terms... 4 Telecommunications legislation...

More information

ADVERTISING TERMS AND CONDITIONS

ADVERTISING TERMS AND CONDITIONS ADVERTISING TERMS AND CONDITIONS NZME Publishing Limited, NZME Radio Limited and their related companies ( NZME ) accept all advertisements and notices from the Customer for publication in all publications

More information

PRIVACY NOTICE - DRIVER HIRE TRAINING

PRIVACY NOTICE - DRIVER HIRE TRAINING PRIVACY NOTICE - DRIVER HIRE TRAINING Introduction Driver Hire Group Services Ltd and DH People Plus Ltd t/a Driver Hire Training (Driver Hire) provide training and worker engagement support services,

More information

Your guide to getting the most from your card

Your guide to getting the most from your card Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank debitcard is accepted in 30 million outlets around the world wherever you see

More information

Your contract with us

Your contract with us Customer charter ERM Business Energy Customer Charter This Customer Charter outlines what you need to know about your rights, entitlements and obligations under your contract with ERM Power Retail Pty

More information

$5k Christmas Giveaway Promotion Conditions of entry

$5k Christmas Giveaway Promotion Conditions of entry $5k Christmas Giveaway Promotion Conditions of entry Promoter Entry Restrictions Australian Postal Corporation (ABN 28 864 970 579) trading as Australia Post, 111 Bourke Street, Melbourne, VIC 3000. Phone:

More information

PRIVACY POLICY OVERVIEW PERSONAL INFORMATION THAT WE COLLECT FROM YOU. We are committed to protecting and respecting your privacy.

PRIVACY POLICY OVERVIEW PERSONAL INFORMATION THAT WE COLLECT FROM YOU. We are committed to protecting and respecting your privacy. PRIVACY POLICY We are committed to protecting and respecting your privacy. This policy was last updated on 06.11.2018. OVERVIEW When you use our site or contact us we may collect personal information about

More information

NAB Bpay USER GUIDE How this guide can help you

NAB Bpay USER GUIDE How this guide can help you NAB Bpay USER GUIDE How this guide can help you National Australia Bank Limited (NAB) is pleased to offer your organisation an Australia-wide electronic revenue collection service NAB Bpay. NAB is committed

More information

These are the terms of a contract between you and PayPal, Inc. ( PayPal, we, us or our ), and applies to your use of Local Payment Methods ("LPM").

These are the terms of a contract between you and PayPal, Inc. ( PayPal, we, us or our ), and applies to your use of Local Payment Methods (LPM). >> View All Agreements PayPal Local Methods Agreement Last Update: vember 13, 2018 Print Download PDF These are the terms of a contract between you and PayPal, Inc. ( PayPal, we, us or our ), and applies

More information

2.5 Your VIP Membership Account is not transferable to another person.

2.5 Your VIP Membership Account is not transferable to another person. ROBINS KITCHEN VIP LOYALTY PROGRAM TERMS AND CONDITIONS 1. About the Robins Kitchen VIP Loyalty Program 1.1 The Robins Kitchen VIP Loyalty Program (Program) is operated by Global Retail Brands Australia

More information

How your personal information is used by Capital Credit Union

How your personal information is used by Capital Credit Union Privacy How your personal information is used by Capital Credit Union Your information will be held by Capital Credit Union Ltd. More information on Capital Credit Union can be found at www.capitalcreditunion.com

More information

Say hello to your new Visa Debit Card

Say hello to your new Visa Debit Card Say hello to your new Visa Debit Card A simple guide to everything you ll need to know about your new card. postoffice.co.uk What s inside Introduction 3 Great benefits for you 4 Added peace of mind 5

More information

a switched on service Electricity Customer Service Charter Alinta Energy

a switched on service Electricity Customer Service Charter Alinta Energy a switched on service Electricity Customer Service Charter Alinta Energy contents Our service commitment to you 4 Our role: electricity retailer 8 Western Power s role: electricity distributor 10 Information

More information

Marketing Code of Conduct

Marketing Code of Conduct Marketing Code of Conduct Approved for the purposes of the Electricity Supply Act 1995 (NSW) and the Gas Supply Act 1996 (NSW) by the NSW Minister for Energy 1 January 2011 CONTENTS 1. FOREWORD... 1 1.1

More information

RETAILER FEED-IN TARIFF SCHEME TERMS

RETAILER FEED-IN TARIFF SCHEME TERMS RETAILER FEED-IN TARIFF SCHEME TERMS PREAMBLE Under the Electricity Act, all electricity retailers with more than 5,000 Customers must offer to purchase electricity fed back into the grid by Qualifying

More information

Your Cater Allen Visa Debit Card Guide GUIDE

Your Cater Allen Visa Debit Card Guide GUIDE Your Cater Allen Visa Debit Card Guide GUIDE Your Cater Allen Visa Debit Card You will find your Visa Debit Card is a convenient way to pay for your everyday items. You can use your Card wherever you see

More information

COnTEnTs Introduction Objectives scope Interpretation Part 1 Consumer

COnTEnTs Introduction Objectives scope Interpretation Part 1 Consumer Code of Practice COnTEnTs Introduction Objectives scope Interpretation Part 1 Consumer Application 1 Claims 2 Identity & Purpose 3 Information 4 Documentation 5-7 Delay 8 Cooling Off 9-10 Supply & Payment

More information

General terms and conditions

General terms and conditions General terms and conditions These terms and conditions apply to products purchased on the visited website, which is provided by one or more of the legal owners set out below, unless otherwise set out

More information

ANZ Travel Card PRODUCT DISCLOSURE STATEMENT CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY)

ANZ Travel Card PRODUCT DISCLOSURE STATEMENT CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY) ANZ Travel Card PRODUCT DISCLOSURE STATEMENT 08.11 CONTAINING TERMS AND CONDITIONS FOR: ANZ TRAVEL CARD (MULTICURRENCY) ANZ Travel Card Contact Details Postal address Locked Bag 35006 COLLINS STREET WEST

More information

Applicant Data Privacy Notice

Applicant Data Privacy Notice Applicant Data Privacy Notice Before we begin This notice (Privacy Notice) applies to personal data relating to your application for employment with HSBC Group held by members of the HSBC Group as data

More information

Stolle Europe Introduction Important information and who we are Controller and contact information Complaints

Stolle Europe Introduction Important information and who we are Controller and contact information Complaints Stolle Europe Introduction Stolle Europe Limited respects your privacy and is committed to protecting your personal data. This privacy notice will inform you as to how we look after your personal data

More information

(a) Candidates must be current students or graduates from one of our partner universities.

(a) Candidates must be current students or graduates from one of our partner universities. Santander Universities SME Internship Programme 201-2019 1. Eligibility 1.1 Eligibility of Universities Only universities who are recognised as a partner of Santander Universities (a division of Santander

More information

Terms and conditions

Terms and conditions Terms and conditions 1. Introductory provisions BitPanther s.r.o., Roľnícka 374, 831 07 Bratislava, registered in the Bratislava I District Court Commercial Register, Section: Sro, file number: 70963/B,

More information

Introduction. Welcome to the OAG Aviation Group privacy notice.

Introduction. Welcome to the OAG Aviation Group privacy notice. Introduction Welcome to the OAG Aviation Group privacy notice. The OAG Aviation Group respects your privacy and is committed to protecting your personal data. This privacy notice aims to give you information

More information

TERMS OF USE FOR UNIFI MOBILE #BEBAS BILLING FOR GOOGLE PLAY

TERMS OF USE FOR UNIFI MOBILE #BEBAS BILLING FOR GOOGLE PLAY TERMS OF USE FOR UNIFI MOBILE #BEBAS BILLING FOR GOOGLE PLAY 1. You can choose to purchase any content or application from Google Play ( Content ) with your Android device using your unifi Mobile #BEBAS

More information

BOQ Bonds Supplementary Product Disclosure Statement

BOQ Bonds Supplementary Product Disclosure Statement BOQ Bonds Supplementary Product Disclosure Statement This Supplementary Product Disclosure Statement amends and supplements the BOQ Bonds Product Disclosure Statement Terms and Conditions dated November

More information

ACCO UK Privacy Policy

ACCO UK Privacy Policy ACCO UK Privacy Policy Updated on May 25, 2018 ACCO UK is committed to managing your privacy. We have developed this Privacy Policy to guide our organization and to inform you how we may collect, manage,

More information

Lycamobile Pty Ltd Customer Complaints Handling Policy Table of Contents

Lycamobile Pty Ltd Customer Complaints Handling Policy Table of Contents Lycamobile Pty Ltd Customer Complaints Handling Policy Table of Contents Introduction 1 Definition of complaint 2 Purpose of this policy 3 Our commitment to handling complaints 4 Complaints handling stages

More information

LORO PIANA TERMS OF SALE ORDERS DELIVERED IN EUROPE

LORO PIANA TERMS OF SALE ORDERS DELIVERED IN EUROPE LORO PIANA TERMS OF SALE ORDERS DELIVERED IN EUROPE These Terms of Sale set out the terms and conditions that will apply to your purchase of Goods through the Website. Please read these Terms of Sale carefully

More information

Privacy Policy. By continuing to use FintruX s services, you signify that you have read and understood this Privacy Policy.

Privacy Policy. By continuing to use FintruX s services, you signify that you have read and understood this Privacy Policy. Privacy Policy Last Updated: May 25, 2018 This is the FintruX Pte Ltd ( FintruX, we, "us" or our ) Privacy Policy. We are a corporation registered in the Republic of Singapore with company number 201733209Z

More information

PMI CONSUMER PRIVACY NOTICE

PMI CONSUMER PRIVACY NOTICE PMI CONSUMER PRIVACY NOTICE We take privacy seriously. This notice tells you who we are, what information about you we collect, and what we do with it. Please also read our terms of use relating to the

More information

Terms of Trade GENERAL SELLER S OBLIGATIONS. Terms of Trade web-parts.com, 7. March is owned by

Terms of Trade GENERAL SELLER S OBLIGATIONS. Terms of Trade web-parts.com, 7. March is owned by Terms of Trade www.web-parts.com is owned by Webparts A/S Engelsholmvej 26 DK-8940 Randers SV Tel: +45 8713 1700 E-mail: mail@web-parts.com VAT-no.: DK35527796 GENERAL www.web-parts.com (WP) is an internet-based

More information