.

ManCity Wega Prepaid Mastercard Consumer Terms and Conditions

Valid as of November 1st, 2016

The ManCity Wega Gift Prepaid Mastercard is available in GBP (£) only. The Card is not a credit card or a charge card; nor is it a debit card linked to a current account. It is a non-reloadable prepaid card which means that money must be loaded onto the Card at the time of purchase. Subject to the restrictions set out below, you can use the Card where the Mastercard acceptance mark is displayed. The Card is issued by Prepaid Financial Services Limited (an e-money issuer authorised and regulated by the Financial Conduct Authority) and distributed by Gleevest Capital Limited on behalf of Truxtun Capital SA,and is subject to these terms and conditions. Manchester City Football Club Limited is not responsible for the supply of the Card or any services relating to it; its name, crest and imagery appear on the Card for branding purposes only.

Certain limits apply to the Card:

A minimum amount of £20 and a maximum amount of £200 may be loaded onto the Card at the time of purchase. The Card load values at the time of purchase are, £20, £50, £100 and £200.
A maximum balance of £200 may be held on the Card at any one time.
Certain fees and charges apply to the Card; see Clause 10 of these terms and conditions.

1. Definitions

“Account” means the electronic money account associated with your Card under this Agreement;
“Agreement” means the agreement between you and us which includes these terms and conditions.
“Available Funds” means at any given time, the value of unspent funds loaded onto your Account and available to pay for Card Purchases and fees and charges payable under this Agreement;
“Card” means the ManCity Wega Gift Card, a prepaid card denominated in GBP, issued to you together with these Consumer Terms and Conditions or any replacement card issued.
“Card Purchase” means any Transaction whereby the Card is used as payment for goods and/or services at from a Merchant, including where payment is made over the Internet, by phone or mail order.
“Customer Due Diligence” means personal documentation supplied by you to us to confirm your name and current address, in order to meet our regulatory requirements.
“Limitation Period” means a period of 6 years following the termination of this agreement.
“Merchant” means a retailer or any other person that accepts the Card as payment for goods and/or services.
“Prepaid Financial Services”, “We” (or “we”) or “us” means prepaid Financial Services whose head office is at 36 Carnaby Street, London, W1F 7DR, England, and any business or other person to whom any or all of our rights and responsibilities under this Agreement may be transferred or delegated.
“Recipient” means the person to whom you gift the Card.
“Transaction” a payment or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of your Card, including where payment is made over the internet, by phone or mail order.
“Transaction Amount” means the payment amount or the purchase price of the goods or services made or bought (wholly or partially) using the Card in the Transaction.
“User” means the person authorised to use the Card, namely either the purchase of the Card or the Recipient.
“You” (or “you”) and “Your” (or “your”) means the person who purchased the Card or where the Card has been gifted to another person, the Recipient.

2. Applying for and activating your Card

2.1 The use of the Card is subject to the terms of this Agreement as may be varied by us from time to time. The current version of the terms and conditions is available on the Website. Usage of the Card constitutes your acceptance of these terms and conditions.

2.2 Only persons over 18 years of age are entitled to purchase the Card. Once purchased, the Card may be given to another person, including a child between 13 and 18 years of age (but not younger). However, Card Purchases by such a child may not be allowed by some Merchants.

2.3 We will require confirmation of your date of birth, the mobile phone number of the User an email address and your residential address when applying for a Card.

2.4 You may also be asked to submit documentation to us for purposes of identification in accordance with our Customer Due Diligence, scheme or regulatory requirements. We may also use electronic methods to satisfy our Customer Due Diligence requirements.

2.5 Your Card order will be processed and shipped to the Recipient address once payment approval has been completed.

3. Funds on your Card

3.1 The Card, which is non-reloadable can be loaded with a fixed value of , £20, £50, £100 or £200.

3.2 Funds will normally be loaded onto your Card within minutes of being approved. The money loaded onto your Card will only be available for you to spend once you log in and register on the website user portal on www.wegagiftcard.com/mancity to activate the Card.

4. Using your Card

4.1 You can use your Card up to the amount of the Available Funds to enter into Transactions at Merchants displaying the Mastercard acceptance mark, including Card Purchases with Merchants over the internet, by phone or by mail order. If the Available Funds are insufficient to pay for the Card Purchase, some Merchants will not permit you to combine use of the Card with other payment methods, e.g. cheque, cash or another payment card.

4.2 You cannot use your Card to make cash withdrawals, whether from ATMs, banks, shops, or otherwise. You will also be unable to use your Card with some Merchants who provide services which include the remittance of money or other services involving cash.

4.3 The value of each Card Purchase and the amount of any fees or charges payable by you under this Agreement will be deducted from the Available Funds.

4.4 You shall be responsible for ensuring the correctness and accuracy of all purchases made with the Card.

4.5 We will immediately debit the amount of all Card Purchases from the balance of your Card.  If you attempt to spend more than the Card balance using only the Card, your Card Purchase will be declined.

4.6 In order to protect you and us from fraud, Merchants will seek authorisation before processing any Card Purchase. If a Merchant is unable to get an online authorisation from us, he may not be able to authorise your Card Purchase.

4.7 You must not use the Card:

  • (a) after any notification of its withdrawal is given to you;
  • (b) after this Agreement has been terminated; or
  • (c) as payment for any illegal purchase.

4.8 You cannot stop a Card Purchase after it has been authorised.  You consent to each Card Purchase made using the Card by following the instructions provided by the Merchant to authorise the Card Purchase. Such consent cannot be withdrawn.

4.9 We may refuse to authorise any use of your Card which would or could breach these Consumer Terms & Conditions or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other offence with the use of, or in connection with, your Card.

4.10 You may gift the Card to another person subject to providing the Recipient with a copy of these Consumer Terms & Conditions and subject to the Card then being used only by the Recipient. For the purposes of this Agreement, you are deemed to consent to all Card Purchases that are made by the Recipient. If the Recipient is an adult, these Consumer Terms & Conditions shall bind both you and the Recipient and shall be interpreted accordingly. You cannot gift the Card to a child below 13 years of age. You will remain solely bound under these Consumer Terms & Conditions if the Recipient is a child below the age of 18 on the date of the gifting of the Card.

4.11 We will not issue Card statements.  You can obtain your Card balance or obtain information about previous Card Purchases by logging onto the website or by calling +44 (0) 203 637 6280.  You are responsible for monitoring your Card balance and for ensuring that there are sufficient funds on the Card at all times to pay for Card Purchases. The up to date Card balance and any recent Card Transactions will be available to view the same day.

4.12 You are responsible for all authorised Transactions on the Card. Your maximum liability is for the first €50 of losses arising from any unauthorised Transactions that take place within 48 hours prior to your notifying us of loss, theft or misuse. You will not be held liable for any further losses once you have notified us of unauthorised Transactions unless we reasonably determine that you acted fraudulently or with gross negligence (in which cases you shall be liable for all losses). We will block your card to protect your funds once you have advised us of any unauthorised Transaction

4.13 If at any time you become aware of an unauthorised debit made using your Card you must notify us by calling + 44 (0) 203 637 6280 ) without undue delay and, in any event, within 13 months of the debit date of the Transaction

4.14 Once you have notified us of an alleged unauthorised or incorrectly executed Transaction on your Card, we will promptly investigate your claim. In some cases we may ask you to give us further information about the Transaction (for instance, to enable us to confirm that the Transaction was properly authenticated). You confirm that you will cooperate with the police or other enforcement bodies if requested to do so.

4.15 Where it is established to our reasonable satisfaction that the Transaction was not authorised by you, we will (subject to Clauses 4.16, and 4.18 below) refund the full amount of the Transaction.

4.16 We reserve the right to refuse a refund under Clause 4.15 where you fail to notify us within 13 months of the date of the debit Transaction.

4.17 We reserve the right to debit from your Card the amount of any refunds paid to you where, upon further investigation, it is subsequently established that you are not entitled to a refund. If there is insufficient balance on the Card to debit the amount of any refunds paid to you in circumstances where you are not entitled to a refund, we reserve the right to take all reasonable steps (including legal proceedings) to recover from you the amount of any such refunds together with any fees, charges or expenses that we have incurred.

4.18 We reserve the right to withhold refunds if, and to the extent that, we can show you have failed to comply with any relevant provisions of this Agreement.

4.19 We will not be liable for defects in any goods or services paid for using the Card.  Any queries or complaints about such goods or services should be addressed to the relevant Merchant

5. Cancellation and Redemption

5.1 Cancellation

5.1.1 You have a legal right to cancel your Card up to 14 days after you have applied and paid for your Card without being charged a cancellation fee. This 14 day period is known as the “Cooling-Off Period”.

5.1.2 If you wish to cancel your Card and Account at any time, you must return your Card(s) cut in half through the magnetic strip to Wega Support, 61 Praed Street, Suite 32, London W2 1NS, United Kingdom. For the avoidance of doubt, Condition 5.2 as amended by Condition 5.1.3 applies when you cancel your Card and Account. Therefore you must also comply with requirements of Condition 5.2.1 if you wish to redeem any of the funds on your Account.

5.1.3 We do not charge a cancellation fee if you cancel the Card and Account during the cooling off period from the date you purchased the Card (or otherwise acquired the Card) and you redeem funds from your Card. In such circumstances we do not charge a Redemption Fee but we will deduct an ID Document Processing Fee for processing your identification documents (as specified in Condition 5.2.1(c)). In all other circumstances we will charge a Redemption Fee and an ID Document Processing Fee.

5.1.4 This Agreement will terminate 90 days after the Card and Account are cancelled. The value (e-money) on your Account will no longer be valid once 90 days have elapsed after the cancellation and you will no longer be able to redeem any unused value remaining on the Account.

5.1.5 If, following cancellation of your Card and Account, any further Transactions are found to have been made, or charges or fees incurred using your Card, we will:

  • deduct these from your Available Funds (if any); or
  • notify you of the amount and you must immediately repay to us the amount on demand.

5.2 Redemption

5.2.1 If you wish to redeem money from your Card and Account at any time (including after the cancellation or expiry of your Card and Account), you must:

  • (a) after any notification of its withdrawal is given to you;
  • (b) after this Agreement has been terminated; or
  • (c) as payment for any illegal purchase.

5.2.1.1 register your details in accordance with Condition 3.2 (if you have not already done so);

5.2.1.2 call our Customer Services on + 44 (0)203 637 6280 informing them of your wish to redeem money from your Card and Account; and only thenwrite to us at Wega Support, 61 Praed Street, Suite 32, London W2 1NS, United Kingdom, confirming your request, and enclosing your Card as well as a photocopy of your passport (i.e. the picture page) and a copy of a recent (less than 3 months old) utility bill bearing your name and address, in each case certified as being a true copy of the original by a suitable professional (for example, lawyer, accountant, police officer, post office official, local government officer) providing his own contact details.

5.2.2 Once we have received all the necessary information from you and all Transactions and applicable fees and charges have been processed, we will provide you with the requested amount of funds ("Requested Funds") less any fees and charges payable to us, provided that:

  • 5.2.2.1 the Requested Funds are greater than ten Pound Sterling (£10.00);
  • 5.2.2.2 we do not have reasonable grounds to believe that you have acted fraudulently; and
  • we are not required to withhold your Available Funds by law or regulation, or at the request of the police, a court or any regulatory authority.

5.2.3 We will transfer the Requested Funds, less any deductions referred to above, to you by bank transfer (less any bank charges) to your nominated UK bank account in your name. We may in our discretion transfer the Requested Funds to you by another payment method. We will charge a Redemption Fee and an ID Document Processing fee.

5.2.4 If, following a redemption of funds, any further Transactions are found to have been made, or charges or fees incurred using your Card that exceed your Available Funds, we will notify you of the amount of the difference and you must immediately repay to us the amount on demand.

5.3 Your Card number will be valid for not less than 12 months from the date of ordering. Upon expiration the provisions of clause 5.1.4 shall apply.

6. Keeping your Card secure

6.1 You should treat your Card number like cash. You should keep the Card number and other security information provided to you secure and ideally separate from each other.

6.2 You must take all reasonable care and precaution to ensure that the Card details are not lost, mislaid or stolen.

6.3 If the details are stolen, you may lose some or all of your money on the Card, in the same way as if you lost cash from your wallet or purse.

6.4 We recommend that you check the balance on your Card regularly online on the Website. You can see the Card balance and recent Transaction online at any time.

6.5 If you lose your Card details or if they are stolen, or you suspect that your Card has been used by someone other than you, you must tell us immediately by calling us on our lost and stolen card helpline on +44 (0) 2013 637-6280 so we can block your Card.

7. Liability

7.1 In the event that you do not use your Card in accordance with these terms and conditions or we find that you are using the Card fraudulently, we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Card and to recover any monies owed as a result of your activities.

7.2 Like other payment cards, we cannot guarantee a retailer will accept your Card, or that we will necessarily authorise any particular Transaction This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Card is being misused. Accordingly, we shall not be liable in any event that a retailer refuses to accept your payment, or if we do not authorise a Transaction, or if we cancel or suspend use of your Card.

7.3 Unless otherwise required by law, we shall not be liable for any direct or indirect loss or damage you may suffer as a result of your total or partial use or inability to use your Card, or the use of your Card by any third party.

7.4 We may restrict or refuse to authorise any use of Your Card in any legal jurisdiction if using the Card is causing or could cause a breach of the Terms and Conditions of this agreement or if we suspect criminal or fraudulent use of the card.

8. Changes to these Terms and Conditions

8.1 We may add to or change these terms and conditions in accordance with clause 8.2. We may add new fees and charges or change existing fees and charges at any time.

8.2 We will tell you in advance if we add to or change these terms and conditions or if we add new fees and charges or change existing ones. The amount and type of notice that we will give you will follow the laws and regulations that apply at that time. (For example, we may notify you by letter, electronic mail, telephone (including recorded message) or by an advertisement in an Irish daily or weekly newspaper). Most changes will occur two months after we tell you about them.

8.3 If we change or add to these terms and conditions and you are not happy to accept the changes, you may end this contract and close your Card in accordance with Clause 13.4. If you do not ask us to end this Agreement, you are deemed to accept the changes on their effective date.

9. Fees & Charges

9.1 The amounts of fees and details of when they will be payable are set out in the table below.   All fees will be debited directly to the Card as they arise.

Type of fee Fee
Physical Card Fee (including premium packaging and standard mail UK) £2.95
Activation Fee Free
Point of Sale Fee in UK (stores or online) Free
Point of Sale Fee outside UK (stores or online) £1.50
Card Replacement Fee (for lost or stolen Replacement Card requested by you) £5.00
Foreign Exchange Charge (for transactions in a currency other than GBP) 2.95% of Transaction Amount
Failed Chargeback Fee £25.00
ID Document Processing Fee (if applicable) £5.00
Redemption Fee (if applicable) £5.00

9.2 If you use your Card for Transactions in a currency other than Pounds Sterling (£), the amount deducted from your Available Funds will be the Transaction Amount converted to Pounds Sterling using a daily exchange rate set by Mastercard on the day we receive the details of that Transaction. You will also be charged a Foreign Exchange Charge.

9.3 We will deduct any value added tax and other taxes, charges and fees due by you to us from the Available Funds. If there are no Available Funds, or value added tax and other taxes, charges and fees incurred exceed the Available Funds, you must pay us the excess immediately. We may use debt collection agencies or other third parties to recover the excess.

10. Limits on your Card

A minimum amount of £20.00 for physical gift cards and a maximum amount of £200 may be loaded onto the Card at the time of purchase. The Card load values at the time of purchase are, £20, £50, £100 and £200.

11. Your Details

11.1 You must let us know as soon as possible if you change name, address, mobile phone number or e-mail address.

11.2 If we contact you in relation to your Card, for example, to notify you that we have cancelled your Card or to send you a refund, we will use the most recent contact details you have provided to us.

11.3 Any e-mail or SMS text message sent to you will be treated as being received as soon as it is sent by us.

11.4 We will not be liable to you if your contact details have changed and you have not told us.

12. Termination of this Agreement

12.1 We may terminate this Agreement at any time on giving 2 months written notice of termination to you.

12.2 On termination of this Agreement for any reason you must immediately securely destroy the Card details. (Such as deleting emails, shredding paper copies etc.)

12.3 Following termination of this Agreement in accordance with clauses 12.1 and 12.2, we will refund the balance of the Card to you, by transferring the balance onto another product issued by us or by transferring the funds into a bank account of your choice u, within fifteen days of such termination. No redemption fee will apply when we terminate the Agreement in accordance with clauses 12.1 or 12.2.

12.4 You may terminate this Agreement at any time on 30 days advance notice by phoning us on +44 (0) 203 637 6280. If you terminate this Agreement in accordance with this clause 12.4 we will refund the Card balance by electronic methods to your bank account, minus any fees.

13. General

13.1 Prepaid Financial Services will not be liable for any delay or failure in performing any of its obligations in respect of the use of the Card where such delay or failure occurs because of any circumstances beyond Prepaid Financial Services’ reasonable control.

13.2 The accounts and records kept by Prepaid Financial Services or on its behalf shall, in the absence of an obvious error, constitute sufficient evidence of any facts or events relied upon by Prepaid Financial Services in connection with any Card Purchase or matter or dealing in relation to the Card.

     

13.3 Prepaid Financial Services may disclose details of the Card to any person acting as its agent in connection with the use or issue of the Card.

13.4 This Agreement shall be governed by and interpreted in accordance with English law.

13.5 All communications under this Agreement will be in English.

13.6 Prepaid Financial Services may record or monitor phone calls with you for training purposes, to enable instructions to be verified and to assess whether our service standards are being met.

13.7 Prepaid Financial Services may transfer to any other person any or all of its rights and/or obligations under this Agreement.  Prepaid Financial Services may do this without telling you but your legal rights will not be affected and your obligations will not be increased as a result.  You may not transfer your rights and obligations under this Agreement.

14. Use of your Information

14.1 Considering your application

The ManCity Wega Gift Card is issued by Prepaid Financial Services and Prepaid Financial Services is the data controller. The personal information which you have provided to us may be used in the manner set out in this Clause 14.

14.2 Use and disclosure of your information

The personal information which we hold about you may be shared with and cross-checked by other businesses, fraud prevention or credit reference agencies, our suppliers, agents or subcontractors and anyone who introduced you to us:

  • (i) to verify your identity and/or address;
  • (ii) to trace debtors, recover debt, to prevent fraud and money laundering;
  • (iii) to manage and administer your Card; and
  • (iv) to carry out statistical analysis and market research.

This information will be used by Prepaid Financial Services so that we may carry out statistical research and analysis, compliance and regulatory reporting and administration in respect of the Card in accordance with the above.

You grant Prepaid Financial Services and relevant third parties a perpetual, royalty free right to keep a record of the information referred to above.

If you want to receive details of those fraud prevention agencies from whom we obtain, and with whom we may record, information about you, please write to us at the address shown in Clause 14.4 below. You have a legal right to these details.

14.3 Transfer of your information abroad

From time to time, we may disclose or transfer information about you to previously approved persons or companies who are based outside of the European Economic Area. We will only do so provided such persons or companies agree to give your information the same level of protection as we are required to give it in the UK and act solely on our instructions. Such transfers abroad will be for the purpose of managing and administering your Card.

14.4 Your right to information

You have a legal right to receive a copy of the information we hold about you by applying in writing to us at:


Prepaid Financial Services
36 Carnaby Street
London W1F 7DR
United Kingdom

A fee will be payable.

15. Communication

15.1 If you have an enquiry relating to your Card, you can use the 'Contact Us' facility on the Website. We will deal with your enquiry promptly.

15.2 If you do not wish to enquire in this way you can alternatively call our customer service telephone line on +44 (0) 203 637 6280. Call costs from mobile networks may vary.

16. Funds Protection

Your funds are safeguarded by law. In the event that Prepaid Financial Services became insolvent your e-money funds are protected against claims made by any other creditors.

17. Complaints

If you are not satisfied with any aspect of the service offered, please contact Customer Services on +44 (0) 203 637 6280, via the ‘Contact’ link at www.wegagiftcard.com/mancity or write to Customer Services at Prepaid Financial Services, 36 Carnaby Street, London W1F 7DR, England.  They will be pleased to help and explain the complaints procedure in more detail.  A copy of the Complaints Procedure is available upon request.  Prepaid Financial Services will try and resolve your complaint as soon as possible.  Often however, the complaint will need to be investigated.  If this is the case, Prepaid Financial Services will respond to you within 5 Business Days to acknowledge receipt of your complaint and tell you how long it might be before your complaint is resolved.  If your complaint cannot be resolved, you may refer it to the Financial Ombudsman Service (the “FOS”). The FOS is an independent body.

You can contact the FOS at Exchange Tower, London E14 9SR; telephone 0800 023 4567 or 0300 123 9123. Email: complaint.info@financial-ombudsman.org.uk. Website: www.financial-ombudsman.org.uk.

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