BT Broadband Offer - pure prepaid Visa card
Card User Terms and Conditions
Please read this Agreement carefully before You activate the Card. This information forms the Terms and Conditions of the Card.
1 DEFINITIONS
Agreement means these Card User Terms and Conditions as varied from time to time;
ATM means an automated teller machine;
Available Balance means the value of funds loaded onto the Card and available to spend;
Card means the plastic prepaid Visa card, supplied to You by Grass Roots under BT Broadband Offer, which You may use in
accordance with these Terms and Conditions and the description of uses on the Card.
Card Number means the 16 digit Card Number on the front of the Card;
Card User means the person named on the Card;
Card User Website means www.purecard.com. It is the area on the Website that allows You to register Your name and contact
details for Your online accounts as well as view Available Balance on the Card and Transaction history. Card User Website
provides up-to-date information about Your account and You will need an internet connection in order to access it.
Customer Services means the contact centre for dealing with queries and requests for services in relation to the Card. Contact
details for Customer Services can be found in paragraph 14;
e-money means the electronic money associated with the Card;
Full Deductible Amount means the full Transaction amount, including the Transaction itself along with any associated fees,
charges and taxes.
Merchant means a retailer, or any other person, firm or corporation that accepts Cards which display the Visa logo;
PIN means the four digit personal identification number for use with the Card.
Grass Roots means Grass Roots UK Ltd, a company registered in England and Wales with company number 4155659 and
whose registered office is Pennyroyal Court, Station Road, Tring, Hertfordshire, HP23 5QY.
Shortfall means the amount by which the Full Deductible Amount exceeds Your Available Balance;
Transaction means a retail sale, cash advance or ATM withdrawal completed by using the Card;
We, Us, Our means Grass Roots who have provided You with this Card;
You, Your means the named Card User as shown on the Card.
2 THIS AGREEMENT
2.1. The Card is an e-money prepaid Card. This is not a credit, charge or debit card.
2.2. The Card is supplied to You as a limited time reward under the BT Broadband Offer. Whilst You are permitted to use the
Card in accordance with this Agreement, Grass Roots remains the cardholder and the legal owner of the funds loaded on the
Card at all times.
3 RECEIVING AND ACTIVATING THE CARD
3.1. The Card will be posted to the address provided to Us by You. You should receive the Card within 5 business days of order.
3.2. When You receive the Card, You must sign it immediately and, in order to activate it, refer to the activation instructions that
You have received. Please note that the Card cannot be used until it has been activated.
3.3. You will be given a 4 digit PIN when You activate the Card. You should be careful not to reveal Your PIN to anybody or enter
Your PIN in a way that enables it to be easily seen by others. We will not reveal Your PIN to a third party. If You forget Your PIN,
You can retrieve it by calling Customer Services.
3.4. You may be able to change Your PIN at some UK ATMs. When You select or change Your PIN, You must not select a PIN
that can be easily guessed.
4 USING THE CARD
4.1. The Card can be used at any Merchant displaying the Visa logo.
4.2. You can authorise Transactions on the Card at any Merchant by entering Your PIN or other security code. You will be
responsible for all the Transactions where You authorise such Transaction.
4.3. The Card’s Available Balance will be reduced by the Full Deductible Amount. In order for a Transaction to be authorised, the
Full Deductible Amount must be less than or equal to the Available Balance on the Card. If, for any reason, a Transaction is
processed for an amount greater than the Available Balance on the Card, You must repay the Shortfall amount within 14 days of
receiving an invoice from Us. Should You not repay this amount within 14 days of receiving an invoice, We reserve the right to
take all steps necessary, including legal action, to recover any monies outstanding.
4.4. You can check Your Available Balance at any time by calling Customer Services or online at www.purecard.com.
4.5. Due to security safeguards, Merchants that accept the Card are required to seek authorisation for all Transactions You make.
Merchants may require You to have an Available Balance greater than the value of the Transaction You wish to make. You will
only be charged for the actual and final value of the Transaction You make.
4.6. The Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using the
Card for identification purposes.
4.7. We may refuse to pay a Transaction:
I. If We suspect the Card is being used in an unauthorised or fraudulent manner;
II. If sufficient funds are not loaded on the Card at the time of a Transaction to cover the amount of the Transaction and any
applicable fees; or
III. If We believe that a Transaction will break the law.
If We refuse to authorise a Transaction, We will, if practicable, tell You why immediately unless it would be unlawful for Us to do
so.
4.8. You may not use the Card to obtain cash from an ATM. You may not use the Card to obtain traveller’s cheques, to obtain
cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, or to pay for
memberships or subscriptions by direct debit or for online. Restrictions on the use of the Card may apply.
4.9. The Available Balance on Your Account will not earn any interest.
4.10. We may request You to surrender the Card at any time (in accordance with clause 11 of these Terms and Conditions). In
the event that We do so then any Available Balance on the Card will not be available to You to use.
5 TOPPING UP THE CARD
5.1. The Card is non-reloadable.
6 CARD EXPIRY
6.1. The expiry date of the Card is printed on the front of the Card. You will not be able to use the Card once it has expired.
6.2. No Transactions will be processed after the Card has expired.
7 CARD USER LIABILITY AND AUTHORISATIONS
7.1. We may restrict or refuse to authorise any use of the Card if using the Card is causing a break of any important term of this
Agreement or if We have reasonable grounds for suspecting that either You or a third party has committed or is about to commit
a crime or other abuse in connection with the Card.
7.2. If We need to investigate a Transaction on the Card then You must cooperate with Us or any other authorised body if this is
required.
8 LOST, STOLEN OR DAMAGED CARDS
8.1. You should treat the e-money on the Card like cash in Your wallet. If You lose the Card or it is stolen then any e-money on
it may be lost in just the same way as if You lost Your wallet.
8.2. In the event of loss, theft, fraud or any other risk of an unauthorised use of the Card, or if the Card is damaged or malfunctions,
You must immediately contact Customer Services. You will be asked to provide Us with the Card Number and some identifying
details. In the event that You notify Us in accordance with this Agreement that the Card has been lost or stolen, You will be liable
for a maximum of £50 of any losses that take place prior to the date on which You gave such notification to Customer Services.
8.3. Provided that You have given Us notification in accordance with clause 8.2 and that clause 8.4 does not apply, then You will
not be liable for losses that take place following the date on which You gave such notification to Customer Services. If there is an
Available Balance remaining on the Card, We will replace the Card and transfer the last Available Balance onto it unless We have
any reason to believe that the notified incident has been caused by a break of any important term of this Agreement, gross
negligence or if it raises reasonable suspicion of fraudulent or improper conduct. If We replace the Card, the replacement Card
will be delivered to Your home address.
8.4. In the event that We have reason to believe You have acted fraudulently or You have acted with gross negligence or acted
intentionally in failing to notify Us of the lost or stolen Card, then You shall be liable for the losses.
9 DISPUTES
9.1. If You have a reason to believe that any of the Transactions for which the Card was used are unauthorised or have been
posted to Your Account in error, You may ask Us to investigate the Transaction by contacting Customer Services within 90 days
of the date of the relevant Transaction. We will immediately process a refund of the amount of the disputed Transaction.
9.2. If We have credited the value of a disputed Transaction back to Your Account and We subsequently receive information that
proves that the Transaction was genuine, then it will be deducted from Your Account.
9.3. We reserve the right not to repay or refund any sums to which You may be entitled if We have reasonable cause to believe
You have not acted in accordance with these Terms and Conditions.
10 TERMINATION OR SUSPENSION
10.1. We can terminate this Agreement
10.1.1. at any time if We give You 30 days’ notice after which time any Available Balance will no longer be available for You to
use; or
10.1.2. with immediate effect if You break an important part of this Agreement, or repeatedly break any term in this Agreement
and fail to resolve the matter in a timely manner or if We have reason to believe that You have used, or intend to use the Card in
a grossly negligent manner or for fraudulent or other unlawful purposes or if We can no longer process Your Transactions due to
the actions of third parties.
10.2. We may also cancel or suspend the Card at any time with immediate effect (and until Your default has been remedied or
the Agreement terminated) if:
10.2.1. We discover that any of the information that You provided to Us when You applied for the Card was incorrect; or
10.2.2. a Transaction has been declined because of a lack of Available Balance; or
10.2.3. if We think the Card has been or is likely to be misused; or if You break any important term or You repeatedly break any
term and fail to remedy it; or if We suspect gross negligence or fraudulent or other unlawful use of the.
10.3. You can terminate this Agreement at any time by contacting Customer Services and on termination any Available Balance
will no longer be available for You to use.
11 OUR LIABILITY
11.1. Any liability on Our part in connection with this Agreement shall be subject to the following exclusions and limitations:
11.1.1. We shall not be liable for any default resulting directly or indirectly from any cause beyond Our control, including but not
limited to a failure of network services and data processing systems;
11.1.2. We shall not be liable for any loss of profits, loss of business, or any indirect, special or punitive losses;
11.1.3. where the Card is faulty, Our liability shall be limited to replacement of the Card loaded with any Available Funds;
11.1.4. From time to time, Your ability to use the Card may be interrupted, e.g. when We carry out maintenance. If this happens,
You may be unable to:
II. use the Card to pay for purchases
and/or
III. obtain information about the funds available in Your Account and/or about Your recent Card Transactions,
11.1.5. We will not be liable for the goods or services that You purchase with the Card.
11.2. Nothing in this Agreement shall exclude or limit Our liability for death or personal injury resulting from Our negligence or
fraud.
11.3. To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
11.4. The above exclusions and limitations set out in this clause 12 shall apply to any liability of Our affiliates such as Visa or
other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to You, which may arise in
connection with this Agreement.
12 YOUR INFORMATION
12.1. You must notify Us immediately of any change of name and address by contacting Customer Services.
12.2. We and Our affiliates are committed to maintaining Your personal data in accordance with the requirements of the Data
Protection Act 1998 and will take all reasonable steps to ensure that Your personal data is kept secure against unauthorised
access, loss, disclosure or destruction. Except as required by law or in accordance with these Terms and Conditions, Your
personal information will not be passed to anyone without Your permission.
12.3. You agree that We can use Your personal data in connection with the Card, and the e-money associated with the Card, to
contact You about replacement Cards, and to enable Us to review, develop and improve Our products and services. This may
involve providing Your personal data to Our affiliates, agents, distributors, and suppliers including Visa and its affiliates to process
Transactions and for their statistical research and analytical purposes. We may also transfer Your personal data outside of the
EEA to enable You to use the Card while You are travelling, and such countries may not offer the same protections for personal
data. We may also disclose Your personal data as required by law, regulation or any competent authority or agency including to
authorities and agencies to investigate possible fraudulent, unlawful or unauthorised activity (“Misuse”).
12.4. You may contact Us at anytime to request Us to stop such use or further disclosure to other companies for such use,
however We shall not be liable for any losses or inconvenience experienced by You resulting from implementing Your request.
12.5. You have a right to inspect the personal data We hold about You however We will ask You to pay an Inspection Fee of £10
to cover Our costs. For further information please contact Customer Services.
12.6. If We discover that the information We hold about You is incorrect, We may have to suspend or cancel the Card until We
can establish the correct information, in order to protect Us both.
12.7. If We believe that You have been involved in any Misuse then We may contact the Company to advise them of such Misuse
and You hereby consent to the disclosure of Your personal data to the Company in this context.
13 COMPLAINTS PROCEDURE
13.1. If You have a complaint about the Card, please contact Customer Services in the first instance so that they may investigate
it. Customer Services can provide details explaining how it handles complaints upon request. Details of Customer Services’
complaints procedure can also be obtained by telephoning Customer Services or alternatively this information is available on the
website detailed on the reverse of the Card. You will be asked to submit details of Your complaint in writing to Customer Services
(Complaints), Bellis House, Icknield Way Industrial Estate, Tring, Hertfordshire, HP23 4RN, United Kingdom.
13.2. If Customer Services are unable to resolve Your complaint to Your satisfaction You may contact The Financial Ombudsman
Service (FOS) at, Exchange Tower, London, E14 9SR, United Kingdom. Telephone: 0800 023 4567 (calls to this number are
normally free for people ringing from a "fixed line" phone – but charges may apply if You call from a mobile phone) or 0300 123
9 123 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs). These numbers may not
be available from outside the UK – so please call +44 20 7964 0500 if You are phoning from abroad. You can also email:
[email protected]. There are a few instances where FOS is not empowered to act.
Following these procedures will not affect Your legal rights.
14 CONTACTING CUSTOMER SERVICES
If You need assistance, You can contact Customer Services on 0844 800 6436.Customer Services telephone Lines are open
between the hours of 9:00am and 6:00pm on Monday to Friday, excluding public holidays. Calls may be recorded for training and
quality control purposes and for the prevention, detection or investigation of fraud.
An automated Card activation service and Lost & Stolen Card reporting is available 24/7 on the Customer Services number
above.