he he idet det er et electron card.. så kan man ikke lave overtræk på dette
kort. Så vidt jeg husker rigtigt.. så det kan kun lade sig gøre at bruge de
penge som står på kontoen...
Så hvis du får dig et kort, så mister kun dine egne penge som er på kortet..
idet der ikke kan laves overtræk på dette typ kort.
Unibank/Nordea har indført Dankort til unge under 18 år med dette elektron
system så man ikke bare kan bruge løs af bankens penge.. kun ens egen penge
meget smart.
"Carsten H" <carsten@NOSPAMdigitalforum.dk> skrev i en meddelelse
news:3efc2bf7$0$48916$edfadb0f@dtext02.news.tele.dk...
> Hvis man er med i WGI
www.worldgamesinc.com
> Har man mulighed for at få et PAY2 VISA ELECTRON CARD
www.pay2.net
>
> Hvad jeg sådan lige kan læse mig til, så hæfter man selv for hvad der
skulle
> blive hævet på ens kor hvis det bliver stjålet.
>
> Hvilken mulighed har den her bank for at indhente sine penge hos kort
> holderen?
> Banken er placeret i Cypern kan jeg se på deres hjemme side
>
> FBME Cyprus
> Federal Bank of the Middle East
> P.O.Box 25566, 1391 Nicosia, CYPRUS.
>
http://www.fbme.com
>
>
> FBME Electronic Wallet
> CONDITIONS OF ISSUE & USE
>
> The following Terms and Conditions are incorporated into and form part of
> any agreement by which FEDERAL BANK OF THE MIDDLE EAST LTD (FBME)
described
> herein as the Bank, agrees to provide a Electronic Wallet to a person
> applying to become a holder of the Electronic Wallet Account.
>
> 1. DEFINITIONS
>
> BANK means FBME.
>
> VISA ELECTRON CARD means a card, which is provided to the holder of FBME
> Electronic Wallet, under the separate Terms & Conditions.
>
> ELECTRONIC WALLET ACCOUNT or ACCOUNT means the account opened and
maintained
> by the Bank in a billing currency into which all payments transferred into
> Electronic Wallet are credited and for entering all Electronic
Transactions
> made by the Account Holder, and for debiting all Charges and crediting any
> credits actually received in relation to the Account under these Terms and
> Conditions.
>
> ACCOUNT HOLDER means the person who has applied for the FBME Electronic
> Wallet and in whose name the Electronic Wallet Account is held at the
Bank.
>
> ELECTRONIC TRANSACTION means any transaction at the FBME approved internet
> sites or any other transaction effected by the Account Holder by charge to
> the Electronic Wallet.
>
> ELECTRONIC WALLET means a virtual purse identified by unique number issued
> by the Bank into which funds may be transferred by the Account Holder and
> which can be accessed electronically at the internet sites authorized by
the
> Bank for the purchase of goods and/or services offered by those internet
> sites. Funds transferred into the Electronic Wallet shall be held by the
> Bank on the Electronic Wallet Account.
>
> CHARGES means all amounts charged to an Electronic Wallet by the Account
> holder whether by means of an Electronic Transaction or otherwise, or by
the
> Bank in accordance with these terms and conditions, at any time, including
> but not limited to the period after cancellation of the Account, and
> including application fees, annual fees and all other items included
within
> Fees and Tariffs as defined herein.
>
> CREDIT BALANCE means the total credit balance in the Electronic Wallet
> Account.
>
> DEBIT BALANCE means the total debit balance outstanding in the Electronic
> Wallet Account and payable to the Bank according to the Bank's records.
>
> FEES AND TARIFFS shall be the fees chargeable to Electronic Wallet
Accounts
> in accordance with the Bank's published schedule of Fees and Tariffs for
the
> Bank's Electronic Wallet Account as current and applicable from time to
> time.
>
> STATEMENT means the statement of the Electronic Wallet Account of each
> Account Holder.
>
> 2. APPLICATION FOR AN ELECTRONIC ACCOUNT
> 2.1 Application for an Electronic Wallet Account is accomplished by the
> applicant:
>
> (a) electronically completing the Bank's Application Form and transmitting
> it to the Bank.
>
> (b) printing and signing the Application form and mailing to the Bank or
its
> Agents as directed by the Bank with such documents required by the Bank to
> open Electronic Wallet Account.
>
> (c) providing such further information relating to the applicant or to the
> nature or source of the funds transferred or to be transferred to the
Bank,
> as the Bank may require, having regard to its obligations at law and to
the
> regulations and requirements of such supervisory authorities or
> institutions, to which it may be subject in any relevant jurisdiction.
>
> 2.2 Upon the Bank accepting the application it will issue and transmit to
> the Applicant the Electronic Wallet Account Number applied for as directed
> by the Applicant.
>
> 2.3 The Account Holder shall be deemed to warrant the accuracy and
> completeness of the information provided in the Application Form and that,
> where laws and regulations of any country in which the Applicant is
resident
> or from the country where the Application is made, imposes or implies any
> regulations to the Application or any terms in these Terms and Conditions
> then the Application and these Terms and Conditions, shall be subject to
> such laws or regulations.
>
> 2.4 The Electronic Wallet Account will not be operational until the
> Application Fees and the initial credit to the Electronic Account has been
> received by the Bank, either by charging the existing Credit Card or by
such
> other payments as may be accepted by the Bank from time to time.
>
> 3. DELIVERY OF ELECTRONIC WALLET
> 3.1 The Electronic Wallet Account Number will be transmitted to the
> Applicant online, and in real time upon completion of the Application form
> and the acceptance of the Application by the Bank
>
> 3.2 Upon receipt of the completed Application Form, the Bank will send
VISA
> Electron Card to the Account Holder.
>
> USE OF THE ELECTRONIC WALLET
> 4.1 The Account shall be used within the Credit Balance of the Account as
> established by the Account Holder with the Bank through replenishments to
> the Account made from time to time and during the validity period of the
> Account to obtain the facilities and benefits made available by the Bank
> from time to time at its absolute discretion in respect of the use of the
> Electronic Wallet Account.
>
> 4.2 Account Holder shall be fully liable to the Bank for all Electronic
> Transactions made with or without the knowledge of the Account Holder.
>
> 4.3 The Bank shall have the right at any time, without prior notice and
> without giving any reason and without liability towards the Account
Holder,
> whether the Credit Balance has been exhausted or not, to withdraw and
> restrict the right to use the Account or to refuse to authorise any
> Transaction.
>
> 4.4 Electronic Transactions, taking place in a currency other than the
> billing currency will be converted to the billing currency automatically.
> Conversion will be effected by the Bank under its normal condition of
> Business at the rate ruling at the time.
>
> 4.5 Use of the Electronic Wallet Account after its expiration date, or
when
> disputes arise in accordance with Condition 5.7, or after the Account
Holder
> has cancelled the Account or elected not to renew the Account in
accordance
> with these Terms and Conditions, constitutes illegal use of the Account.
>
> 4.6 Accountholder will be able to load or replenish the Electronic Wallet
> Account by transferring funds from a Credit Card, and by any other such
> method advised to the Account Holder by the Bank from time to time.
>
> 4.7. The Account Holder accepts that the Electronic Wallet may only be
used
> on and may be accepted only by, internet sites designated and/or approved
by
> the Bank from time to time.
>
> 5. THE ELECTRONIC ACCOUNT
> 5.1 The Bank shall debit the account with the amounts of all Electronic
> Transactions and Charges and any other liabilities of the Account Holder
> arising from the use or misuse of the Electronic Wallet.
>
> 5.2 The Bank shall be entitled to treat:
>
> (a) any Electronic Transaction recorded on or charged to the Account as
duly
> completed shall be binding on the Account Holder; and
>
> (b) the Bank's record of any Electronic Transaction as conclusive evidence
> of a Charge properly incurred by the Account Holder to be debited to the
> Electronic Wallet Account.
>
> 5.3 The Account Holder is liable for all Charges incurred on the Account.
If
> applicable the Bank may draw down the monies due to it in respect of
Charges
> on the Account Holder's Account from the Guarantor of any Guarantee on
which
> it is relying as Security.
>
> 5.4 The Bank will prepare a Statement of the Electronic Account showing
> details of all Charges during the month in question and this will be
> accessible via website on the internet. The Statement of Account shall, in
> the absence of any written objections within thirty (30) days from the
> transaction posting date, be deemed confirmed and correct.
>
> 5.5 Transactions posted later than thirty (30) days from the date of the
> actual transaction due to delays of merchants or banks acquiring such
> transactions do not in any way exonerate the Account Holder from payment
of
> such transactions.
>
> 5.6 The Bank shall not in any way be liable to the Account Holder for:
>
> (a) any losses and/or damages
>
> (b) non-acceptance of the Account by a merchant.
>
> (c) non-receipt of goods and/or services.
>
> (d) any losses and/or damages due to or arising from any disruption or
> failure or defect in any communication system or data processing system or
> transmission link.
>
> 5.7 The Bank shall in no way be responsible for goods or services
purchased
> pursuant to an Electronic Transaction. No claim by the Account Holder
> against a third party may be the subject of a claim, defense or
counterclaim
> against the Bank and such disputes in no way release the Account /holder
> from responsibility for all payments to the Bank.
>
> 5.8. The Bank shall be under no obligation to refund any funds standing to
> the credit of the Account. In the event the Account Holder applies to the
> Bank for monies to be refunded, or applied to other card accounts held by
> the Account Holder with the Bank, the Bank will consider complying with
each
> and any such request at its discretion and on an ex gratia basis.
>
> 5.9 The Bank shall not be required to post or otherwise deliver or provide
> any paper Statement of an Electronic Wallet Account.
>
> 6. PAYMENT
> 6.1 If the Account Holder's Electronic Wallet account is overdrawn, the
> Cardholder shall forthwith, upon demand by the Bank, pay to the Bank the
> full sum by which the Account is overdrawn, failing which the whole amount
> outstanding in the Account shall become immediately due and payable, and
the
> Bank may withdraw or cancel the Account. The Bank shall have the right to
> meet any deficit on an Electronic Wallet Account by charging such deficit
to
> the account of any other Card Account or Electronic Wallet Account issued
by
> the Bank and held by the Account Holder. All fees for using the Pay2
service
> will be outlined in your Visa Electron Applicant Pack. Please read this
> carefully.
>
> 7. LOAD/REPLENISHMENT
> 7.1 The Account Holder may replenish the Account in accordance Terms &
> Conditions of the Bank in force from time to time except that the
> minimum/maximum replenishment is set in accordance with the Fees and
> Tariffs. A Fixed fee will be deducted from the Account Holder's Electronic
> Wallet Account for each load/replenishment regardless of the amount of the
> replenishment.
>
> 7.2 In the event of the Account Holder replenishing an Account the Account
> Holder shall provide to the Bank on request the like information as is
> provided in Condition 2(1)(c).
>
> 8. LOSS OF CARD/DISCLOSURE OF PASS CODE
> 8.1 If the Account number or the Pass Code (PIN) is disclosed to any other
> party, the Account Holder must immediately notify Pay2 Customer Service
> Centre. The Account Holder will however be liable in respect of all
> Transactions until the Bank has received written notice that an Account or
> Pass Code has become known to a third party.
>
> 8.2 The Account Holder shall remain fully liable for payment of all
> Transactions effected through the use of the Account by any person,
whether
> with or without the knowledge of the Account Holder, and irrespective of
> whether the transactions were authorised by the Account Holder or not.
>
> 9. RENEWAL AND REPLACEMENT
> The Bank may, subject to satisfactory maintenance of the Account,
> automatically renew the Account, which has expired or has been lost, on
> payment of renewal or replacement fees prescribed by the Bank from time to
> time. The Bank will advise details of the renewed or replaced Account at
> least one week before the expiry of the present Account.
>
> 10. CANCELLATION
> 10.1 If the Account Holder wishes to cancel the Account, this must be
> notified to the Bank in writing.
>
> 10.2 Notification of cancellation must be given by the Account Holder to
the
> Bank at least one month before expiry of the Account. After the Account
has
> been renewed the Annual Fee becomes non-refundable.
>
> 11. REFUND
> The Account will only be credited with refund in respect of any
Transaction
> if the Bank receives a refund voucher or other refund verification
> acceptable to it.
>
> 12. WITHDRAWAL/TERMINATION
> 12.1 The Bank reserves the right at any time to withdraw the Account at
its
> absolute discretion and/or cancel or terminate or suspend the use of the
> Account entirely or in respect of specific facilities, or refuse to renew
or
> replace any Account with or without prior notice.
>
> 12.2 The Account Holder may at any time by written notice to the Bank
> terminate the Account. All use of the Account prior to the receipt of
> termination notice by the Bank will be fully binding on the Cardholder.
>
> 12.3 The use of the Account will be terminated by the Bank upon death,
> bankruptcy or insolvency of the Account Holder.
>
> 12.4 Upon termination of the Agreement either by the Bank or the Account
> Holder, any deficit outstanding in the Account, together with any
> outstanding amount incurred by the use of the Account but not debited to
the
> Account and all finance charges and late payment charges, shall become
> immediately due and payable to the Bank.
>
> 13. VARIATION OF THESE CONDITIONS
> 13.1 The Bank may from time to time vary these Terms and Conditions
> including the Fees and Tariffs by notice in writing or by publication by
> such means as the Bank may select. Such variations shall apply from the
> effective date specified by the Bank and shall be binding on the Account
> Holder.
>
> 13.2 If the Account Holder does not accept the variations, the Account
> Holder must terminate this Agreement by giving prior written notice to the
> Bank
>
> 14. NOTICES
> 14.1 Any notice, demand or any other communication under this Agreement
may
> be sent by ordinary post to the last known address of the Account Holder
and
> shall be deemed to have been received by the Account Holder seven (7) days
> after the date of posting.
>
> 14.2 The Account Holder will advise of any change of address to the Bank,
> which will regard as valid the last and most recent address provided by
the
> Account Holder.
>
> 14.3 Any instruction sent by the Account Holder to the Bank by facsimile
> shall be considered valid and the Bank may act upon such instruction. The
> Bank may use copies of facsimile transmissions as evidence in any Court of
> Law.
>
> 15. EXCLUSION OF LIABILITY
> 15.1 The Bank shall not in any way be liable to the Customer;
>
> (a) for any loss or damage if the Account is not honoured or accepted by a
> merchant, or any other bank or financial institution, for whatever reason;
>
> (b) for any loss or damage due to or arising from any disruption or
failure
> or defect in communication system or data processing system or
transmission
> link or anything outside the control of the Bank.
>
> 15.2 The Bank shall in no way be responsible for goods or services
purchased
> by the Account Holder by use of the Account. Subject as stated in
Condition
> 5.7 no claim by an Account Holder against a third party may be the subject
> of a defense or counterclaim against the Bank
>
> 15.3 The Account Holder is required to pay all taxes as required by
> applicable law for use of the Account. The Bank assumes that all funds
used
> by the Account Holder to activate the Account including subsequent
> load/replenishment of the Account are after tax income and the Account
> Holder will hold the Bank harmless and fully indemnified against any and
all
> legal issues that arise between tax authorities and the Account Holder.
>
> 16. GENERAL
> 16.1 Proof of Transaction on the Account will not be provided. In case of
a
> dispute the printout of the Bank's electronic record will be provided,
where
> applicable as documentary proof of debit, provided the Account Holder
makes
> a written request within thirty (30) days from the date of the transaction
> posted to the Account and pays a fee. The proof of transaction will not be
> provided at all for any purpose if the transaction date is over forty five
> (45) days.
>
> 16.2 The Account Holder agrees that the Bank may at any time disclose and
> furnish any information as it deems fit concerning the Account Holder
> including, but not limited to, the account of the Account Holder under
this
> Agreement to the Bank's associates, branches, agents, assignees or other
> parties in connection with the administration of the Account and to enable
> the Bank to enforce the Account Holder's obligations under this Agreement.
>
> 16.3 No failure to exercise and no delay in exercising on the part of the
> Bank of any rights, power or privilege under this Agreement shall operate
as
> a waiver thereof, nor shall any single or partial exercise of any right,
> power or privilege preclude the exercise of any other right, power or
> privilege. The rights and remedies provided herein are cumulative and not
> exclusive of any rights and remedies provided by law.
>
> 17. GOVERNING LAW
> These Terms and Conditions shall be governed by and construed in
accordance
> with the laws of England & Wales, except where and to the extent
> specifically stated otherwise. The Cardholder hereby submits to the
> non-exclusive jurisdiction of the English courts
>
> 18. USE OF PERSONAL DATA
> The Account Holder agrees to the handling and use of personal data in
> accordance with any applicable law.
>
> IMPORTANT - NO CHARGEBACKS
> 1.The Electronic Wallet is not issued under the franchise of any of the
> international card payment systems. It is a condition of use of the Wallet
> on the internet sites for which it is available that no Electronic
> Transaction may be charged back against those sites. As a result no
> chargeback application from an Account Holder relating to an Electronic
> Transaction can be entertained or accepted by the Bank
>
> 2.Where the Electronic Wallet is loaded or replenished by charge to an
> existing MasterCard or Visa Card, or other payment card issued under an
> international card payment franchise, the transaction is non-refundable
and
> no claim for chargeback may be made against the Bank, or any acquirer of
> that transaction, by the holder or issuer of the card to which the
> transaction is charged."
>
>
> VISA Electron Card
> CONDITIONS OF ISSUE & USE
>
> The following Terms and Conditions are incorporated into and form part of
> any agreement by which FEDERAL BANK OF THE MIDDLE EAST LTD (FBME)
described
> herein as the Bank, agrees to provide a Card to a person applying to the
> Bank for the Electronic Wallet.
>
> 1. DEFINITIONS
>
> ATM means an automated teller machine belonging to the Bank or other
> participating banks or financial institutions, which accept the Card.
>
> BANK means FBME.
>
> CARD means a VISA Electron Card issued by the Bank to the Cardholder.
>
> CARD ACCOUNT means the account opened and maintained by the Bank in a
> billing currency for entering all Card Transactions made by the
Cardholder,
> and for debiting all Charges and crediting any credits actually received
in
> relation to the Card under these Terms and Conditions.
>
> CARDHOLDER means the person who has been provided with the VISA Electron
> Card in whose name the Electronic Wallet Account is held at the Bank.
>
> CARD TRANSACTION means any Withdrawal from an ATM and/or any purchase of
> goods or any other facilities and benefits obtained by use of the Card
> and/or the Card number and/or the PIN or in any other manner including,
> without limitation, mail, telephone or facsimile or e-mail, internet or
> other electronically delivered orders or reservations authorized or made
by
> the Cardholder, regardless of whether such be a sales or cash withdrawal.
>
> CASH WITHDRAWAL means any cash obtained from an ATM by use of the Card.
>
> CHARGES means all amounts charged to a Card by the Cardholder at any time
or
> charged by the Bank in respect of Fees and Tariffs, including but not
> limited to the period after cancellation of the Card, and regardless of
> whether a record of charges is signed by the Cardholder
>
> CREDIT BALANCE means the total credit balance account in the Card Account.
>
> DEBIT BALANCE means the total debit balance outstanding in the Card
Account
> and payable to the Bank according to the Bank's records.
>
> ELECTRONIC WALLET means a virtual purse issued by the Bank and identified
by
> a unique number which can be accessed electronically at internet sites
> authorized by the Bank
>
> FEES AND TARIFFS shall be the fees chargeable to Card Accounts in
accordance
> with the Bank's published schedule of Fees and Tariffs for the Bank's
Cards
> as current and applicable from time to time.
>
> VISA ELECTRON CARD means a card issued by the Bank under the VISA
franchise
> and subject to the regulations of VISA International.
>
> PAYMENT SYSTEM means Visa International.
>
> PIN means the personal identification number issued by the Bank to the
> Cardholder(s) for the use at ATM and POS in place of the Signature.
>
> STATEMENT means a statement of the Card Account of each Cardholder.
>
> 2. APPLICATION FOR A CARD
> 2.1 The Card is issued on the basis that the Cardholder has applied to the
> Bank for the issuance of an Electronic Wallet and that the signed copy of
> the Application Form has been accepted by the Bank. The statement made in
> the documents accompanying the Application shall be deemed to apply for
the
> issuance of the VISA Electron Card to which these Terms & Conditions apply
> and the Cardholder warrants them to be complete and correct. Acceptance
> and use of the Card by the Cardholder shall be deemed to be an acceptance
of
> these Terms and Conditions.
>
> 3. DELIVERY OF THE CARD AND PIN
> 3.1 The Card will be sent to the Cardholder at the sole risk and
> responsibility of the Cardholder. The Bank shall not in any manner be
> responsible if the Card/PIN is lost in the post or not delivered and
> misused.
>
> 3.2 The Cardholder must sign the Card immediately on receipt of the Card
and
> must at all times keep it secure and separately from any record of the
PIN.
> The Cardholder shall not disclose the PIN to any person and shall take all
> possible care to prevent discovery of the PIN by any person.
>
> 3.3 The Card is and shall always remain the property of the Bank. Its use
> may be suspended either temporarily or permanently by the Bank should the
> Cardholder fail to perform the obligations specified herein. Upon request
> the Card must be returned to the Bank.
>
> 3.4 The Cardholder upon receipt of the card will call Customer Services
> Center to acknowledge the receipt and activation of the card.
>
> 4. USE OF THE CARD
> 4.1 The Card shall be used only within the Credit Balance of the Card as
> established by the Cardholder with the Bank through replenishments to the
> Card Account made from time to time and during the validity period of the
> Card to obtain the facilities and benefits made available by the Bank from
> time to time at its absolute discretion in respect of the use of the Card.
>
> 4.2 Where an ATM facility is incorporated in the Card, the Cardholder
shall
> be responsible for all transactions and the Cardholder hereby authorizes
the
> Bank to debit the Card Account with the amount of any cash withdrawal and
> any Fee charged by the operator of the ATM in accordance with the record
of
> the transactions. Such record of transactions shall be conclusive and
fully
> binding on the Cardholder.
>
> 4.3 Subject to Condition 12, the Cardholder shall be fully liable to the
> Bank for all Card Transactions, including the transactions made with the
> PIN, whether with or without the knowledge of the Cardholder.
>
> 4.4 The Bank shall have the right at any time, without prior notice and
> without giving any reason and without liability towards the Cardholder,
> whether the Credit Balance has been exhausted or not, to withdraw and
> restrict the right to use the Card or to refuse to authorize any Card
> Transaction.
>
> 4.5 Purchases, ATM withdrawals and Internet transactions, taking place in
a
> currency other than the billing currency at merchants or ATM devices
> operated abroad, will be converted to the billing currency automatically.
> The exchange rate applied to these transactions by the international
> associations will be increased by the Bank in accordance with the current
> Fees & Tariffs published by the Bank, except for transactions occurring in
> the billing currency.
>
> 4.6 Use of the Card after its expiration date, or when disputes arise in
> accordance with Condition 6.7, or after the Cardholder has cancelled the
> Card or elected not to renew the Card in accordance with these Terms and
> Conditions, constitutes illegal use of the Card.
>
> 5. CASH WITHDRAWAL
> 5.1 The VISA Electron Card holder may obtain cash in such amount within
the
> Credit Balance of the Card by the following means:
>
> (a) Using the Card at any ATM of the Bank or of any other worldwide bank
or
> financial institution displaying VISA Electron logo.
>
> 5.2 Cash Withdrawal Fees on each Cash Withdrawal shall be charged and
> debited to the Card Account at the rate applicable in the Bank's current
> schedule of Fees and Tariffs.
>
> 6. THE CARD ACCOUNT
> 6.1 During the month, the Bank shall debit the Card account with the
amounts
> of all Card Transactions and Charges and any other liabilities of the
> Cardholder arising from the use or misuse of the Card.
>
> 6.2 The Bank shall be entitled to treat:
>
> (a) any sales draft transaction record, credit voucher, cash disbursement
> record and/or other charge record bearing information derived from the
> magnetic strip on the Card as duly completed, and binding on the
Cardholder;
>
> (b) The Bank's record of any Card Transaction as conclusive evidence of a
> charge properly incurred by the Cardholder to be debited to the Card
> Account.
>
> 6.3 The Cardholder is liable for all charges incurred on the Card. The
Bank
> may draw down the monies due to it in respect of Charges on the
Cardholder's
> Account from the Guarantor of any Guarantee on which it is relying as
> Security.
>
> 6.4 The Bank will prepare a Statement of the Card Account showing details
of
> all Card Transactions during the month in question and this will be
> accessible via the internet. The Statement of Card Account shall, in the
> absence of any written objections within thirty (30) days after the
> statement date, be deemed confirmed and correct.
>
> 6.5 Transactions posted later than thirty (30) days from the date of the
> actual transaction due to delays of merchants or banks acquiring such
> transactions do not in any way exonerate the Cardholder from payment of
such
> transactions.
>
> 6.6 The Bank shall not in any way be liable to the Customer for
>
> (a) any losses and/or damages.
>
> (b) non-acceptance of the Card by a merchant.
>
> (c) non-receipt of goods and/or services.
>
> (d) any losses and/or damages due to or arising from any disruption
or
> failure or defect in any communication system or data processing system or
> transmission link.
>
> 6.7 The Bank shall in no way be responsible for goods or services
purchased
> pursuant to a Card Transaction. No claim by the Cardholder against a
third
> party may be the subject of a defence or counterclaim against the Bank and
> such disputes in no way release the Cardholder from responsibility for all
> payments to the Bank.
>
> 6.8 The Bank shall not be responsible for non accessibility of the Website
> by the Cardholder.
>
> 7. PAYMENT
> 7.1 If the Cardholder's Card account is overdrawn, the Cardholder shall
> forthwith, upon demand by the Bank, pay to the Bank the full sum by which
> the Card Account is overdrawn, failing which the whole amount outstanding
in
> the Card Account shall become immediately due and payable, and the Bank
may
> withdraw or cancel the Card and may call, utilize or realize any security
or
> guarantee of the Cardholder or have access to funds standing to the
credit
> of the cardholder on any other account with the Bank to pay the over-limit
> usage of the Card.
>
> 8. LOAD/REPLENISHMENT
> 8.1 The Cardholder may replenish the Card in accordance with the
> requirements and procedures of the Bank in force at the relevant time, the
> minimum/maximum replenishment being set in accordance with the Fees and
> Tariffs. A Fixed fee will be deducted from the Cardholder's Card Account
> for each replenishment, regardless of the amount of the replenishment.
>
> 8.2 In the event of the Cardholder replenishing a Card Account, the
> Cardholder shall provide to the Bank on request the like information as is
> provided in or which can be called for by the Bank in connection with, the
> application for, or replenishment of the Electronic Wallet.
>
> 9. LOSS OF CARD/DISCLOSURE OF PIN
> 9.1 If the Card is lost or stolen, and/or if the PIN or card number is
> disclosed to any other party, the Cardholder must immediately notify such
> loss to the Bank and to the Police of the country where such loss or theft
> or disclosure occurred. Outside normal office hours, loss or theft of the
> Card or disclosure of the PIN must be notified to the Customer Service
> Centre with contact information. If such notification is given by
telephone,
> the Cardholder shall also give written confirmation within seven (7) days
to
> the Bank. The Cardholder will however be liable in respect of all Card
> Transactions until written notice has been received by the Bank that a
Card
> has been lost or stolen and/or that the PIN has become known to a third
> party.
>
> 9.2 The Cardholder will give the Bank all the information in the
Cardholder'
> s possession as to the circumstances of the loss or theft of the Card or
> disclosure of the PIN and take all steps deemed necessary by the Bank to
> assist the recovery of the Card. The Bank may provide the police or any
> other authority with any information it considers relevant.
>
> 9.3 The Cardholder shall remain fully liable for payment of all Card
> Transactions effected through the use of the Card by any person, whether
> with or without the knowledge of the Cardholder, and irrespective of
whether
> the transactions were authorized by the Cardholder or not.
>
> 9.4 In the event that the lost Card is recovered by the Cardholder, he
shall
> not use the Card and shall return the Card cut in half immediately to the
> Bank. The Cardholder shall not use the PIN after reporting the disclosure
> thereof to the Bank.
>
> 9.5 The Bank may in its absolute discretion issue a replacement Card for
any
> lost or stolen Card or a new PIN on these Terms and Conditions. The Bank
> will charge the Cardholder a replacement fee in accordance with the Fees
and
> Tariffs for replacing a lost/stolen Card.
>
> 10. RENEWAL AND REPLACEMENT
> The Bank may, subject to satisfactory maintenance of the Card Account,
> automatically renew and replace any Card which has expired or has been
lost,
> on payment of renewal or replacement fees prescribed by the Bank from time
> to time. The Bank will deliver the renewed or replaced Card at least one
> week before the expiry of the present Card to the address notified by the
> Cardholder to the Bank.
>
> 11. CANCELLATION
> 11.1 If the Cardholder wishes to cancel his/her Card this must be notified
> to the Bank in writing and the Card returned to the Bank.
>
> 11.2 Notification of cancellation must be given by the Cardholder to the
> Bank at least one month before expiry of the Card. After the Card has been
> renewed the Annual Fee becomes non-refundable.
>
> 12. REFUND
> The Card Account will only be credited with refund in respect of any Card
> Transaction if the Bank receives a refund voucher or other refund
> verification acceptable to it.
>
> 13. WITHDRAWAL/TERMINATION
> 13.1 The Bank reserves the right at any time to withdraw the Card at its
> absolute discretion and/or cancel or terminate or suspend the use of the
> Card entirely or in respect of specific facilities, or refuse to renew or
> replace any Card with or without prior notice.
>
> 13.2 The Cardholder may at any time by written notice to the Bank
terminate
> the Card Account. Such termination will only be effective on the return to
> and receipt by the Bank of all Cards issued for the Card Account. All use
of
> the Card prior to the receipt of termination notice by the Bank will be
> fully binding on the Cardholder.
>
> 13.3 The use of the Card will be terminated by the Bank upon death,
> bankruptcy or insolvency of the Cardholder.
>
> 13.4 The Cardholder must return the Card(s) to the Bank or its authorized
> Agent immediately upon termination of this Agreement.
>
> 13.5 Upon termination of the Agreement either by the Bank or the
Cardholder,
> the entire amount outstanding in the Card Account, together with any
> outstanding amount incurred by the use of the Card but not debited to the
> Card Account and all finance charges and late payment charges, shall
become
> immediately due and payable to the Bank.
>
> 14. VARIATION OF THESE CONDITIONS
> 14.1 The Bank may from time to time vary these Terms and Conditions
> including the Fees and Tariffs by notice in writing or by publication by
> such means as the Bank may select. Such variations shall apply from the
> effective date specified by the Bank and shall be binding on the
Cardholder.
>
> 14.2 If the Cardholder keeps or uses the Card after the effective date of
> variation, it will be deemed to constitute acceptance of the variations.
>
> 14.3 If the Cardholder does not accept the variations, he must terminate
> this Agreement by giving prior written notice to the Bank and return the
> Card(s) cut in half to the Bank prior to the effective date and settle all
> his outstanding liabilities.
>
> 15. NOTICES
> 15.1 Any notice, demand or any other communication under this Agreement
may
> be sent by ordinary post to the last known address of the Cardholder and
> shall be deemed to have been received by the Cardholder seven (7) days
after
> the date of posting.
>
> 15.2 The Cardholder must promptly notify the Bank in writing of any change
> in his/her address or employment. The Cardholder will advise of any
change
> of address and the Bank will regard as valid the last and most recent
> address provided by the Cardholder.
>
> 15.3 Any instruction sent by the Cardholder to the Bank by facsimile shall
> be considered valid and the Bank may act upon such instruction. The Bank
may
> use copies of facsimile transmissions as evidence in any Court of Law.
>
> 16. EXCLUSION OF LIABILITY
> 16.1 The Bank shall not in any way be liable to the Customer:
>
> (a) for any loss or damage if the Card is not honored or accepted by a
> merchant, or any other bank or financial institution, or any ATM for
> whatever reason;
>
> (b) for any loss or damage due to or arising from any disruption or
failure
> or defect in any ATM or machine or communication system or data processing
> system or transmission link or anything outside the control of the Bank.
>
> 16.2 The Bank shall in no way be responsible for goods or services
> purchased by the Cardholder by use of the Card. Subject as stated in
> Condition 6.7 no claim by a Cardholder against a third party may be the
> subject of a defence or counterclaim against the Bank.
>
> 16.3 The Cardholder is required to pay all taxes as required by applicable
> law for use of the Card. The Bank assumes that all funds used by the
> Cardholder to activate the Card including subsequent replenishment of the
> Card are after tax income and the Cardholder will hold the Bank harmless
and
> fully indemnified against any and all legal issues that arise between tax
> authorities and the Cardholder.
>
> 17. GENERAL
> 17.1 Card transaction vouchers (or sales vouchers) signed by the
Cardholder
> will not be provided. Only in case of a dispute the photocopy or
microfiche
> copy will be provided as documentary proof of debit, provided the
Cardholder
> makes a written request within thirty days from the date of the Statement
of
> Card Account and pays a fee. Copies of a signed voucher will not be
provided
> at all for any purpose if the transaction date is over forty five (45)
days.
>
> 17.2 The Cardholder agrees that the Bank may at any time disclose and
> furnish any information as it deems fit concerning the Cardholder
including,
> but not limited to, the account of the Cardholder under this Agreement to
> the Bank's associates, branches, agents, assignees or other parties in
> connection with the administration of the Card and to enable the Bank to
> enforce the Cardholder's obligations under this Agreement.
>
> 17.3 No failure to exercise and no delay in exercising on the part of the
> Bank of any rights, power or privilege under this Agreement shall operate
as
> a waiver thereof, nor shall any single or partial exercise of any right,
> power or privilege preclude the exercise of any other right, power or
> privilege. The rights and remedies provided herein are cumulative and not
> exclusive of any rights and remedies provided by law.
>
> 18. GOVERNING LAW
> These Terms and Conditions shall be governed by and construed in
accordance
> with the laws of England & Wales, except where and to the extent
> specifically stated otherwise. The Cardholder hereby submits to the
> non-exclusive jurisdiction of the courts of England and Wales.
>
> 19. USE OF PERSONAL DATA
> The Cardholder agrees to the handling of personal data in accordance with
> any applicable law.
>
> 20. PAYMENT SYSTEM REGULATIONS
> These Terms and Conditions are deemed to incorporate and are subject to
the
> Rules and Regulations of Payment System insofar as they are applicable.
>
>
>