These terms and conditions (“T&Cs”) apply to your Paygoo Reload card (“Card”) and its use. You must read them carefully. In these terms and conditions "you", “your” means the Card holder (“Cardholder”) and the authorised user of the Card. "We", "us" or "our" means EML Money DAC or EML Payments AB acting on its behalf. “Issuer” means EML Money DAC. The Card is promoted by Paygoo AS (“Paygoo”) and issued by the Issuer. “Website” means the program website at www.paygoo.no.

1. Your Card
Your Card is not a credit card and is not in any way connected to your bank account. You will not earn any interest on any funds loaded on your Card.
You must be 18 years or older to purchase this Card.
Your Card is issued by us pursuant to a license from Mastercard® International Incorporated. Using the Card indicates your agreement with these T&Cs.

2. (A) Loading your Card

2.1 If loading your Card by credit or debit card, you must use a credit or debit card that has been issued by a regulated financial institution in the EEA or the UK and is registered at the same address as this Card. Paygoo reserves the right to refuse to accept any particular loading transaction. Upon receipt and clearance/activation, your funds will be available for use on the Card without delay.

The following loading limits apply: Credit card
Maximum Load	10,000 NOK (2,000 NOK at a time)
Minimum Load	200 NOK

The following loading limits apply: Debit card
Maximum Load	1,500 NOK
Minimum Load	200 NOK

2.2 If loading your Card on-line, where applicable, please go to www.paygoo.no where you will be guided through the process and applicable limits

2.3 If loading your Card in-store by cash, the following loading limits apply.

Maximum Load	1,500 NOK at point of sale
Maximum Load	2,000 NOK after Card is registered
Minimum Load	200 NOK

2.4 When funds are loaded onto your Card, the payment is made in the same currency as that of your Card. The currency you have used to load your Card may be different to that of the Card. Your statement provided by Paygoo will show, or Paygoo will otherwise inform you of, the exchange rate used which applied on the date that the Card was loaded. Exchange rates may change and the exchange rate which applies when you check may not be the exchange rate that was used to convert your funds to load your Card.

2.5 You agree to provide all necessary information and documentation to Paygoo to allow compliance with the requirements under all applicable law concerning Cardholder identification and verification. You may be unable to use the Card and any Card funds in the Card account until you have provided Paygoo with the required information.
The Card cannot be used to make payments until it has been registered.

2.6 You must exercise all possible care to ensure the safety of the Card.

2.7 You are responsible for ensuring the Credentials remain strictly confidential and are not disclosed to anyone else. By “Credentials”, we mean the following information: the Website password, the CVC2 Code, the Card PIN, the Card’s expiry date or the 16-digit Card number.

2.8 If the Card is lost or stolen, You must notify Paygoo without undue delay, failure to comply may result in You losing the funds on the Card and being liable for any unauthorised use of the Card.

2.9 ANTI-MONEY LAUNDERING COMPLIANCE

2.10 In accordance with applicable legislation to fight money laundering and financing of terrorism, the establishment of any client relationship is subject to proper identification by Paygoo. You hereby represent and agree that you will without delay, disclose any requested information (which may include evidence of your identity) to Paygoo and inform Paygoo of any relevant changes and consent to Paygoo using your email or mobile phone number to send you requests to provide or update such information. We may be unable to issue you with a Card or may need to stop or restrict your use of the Card if we are not provided with this information upon request.

2.11 You are obliged to inform Paygoo should you change address.

2. (B) Card Limits
The limits that apply to each Card are set out below in NOK.

Maximum Daily load Amount	10,000
Maximum Daily load Count	10
Maximum Monthly load Amount	45,000
Maximum Monthly load Count	50
Maximum Annual load Amount	360,000
Max Daily spending limit	50,000
Maximum Monthly spending limit	100,000
Maximum Annual spending limit	500,000
Maximum balance at any time	500,000
Maximum cash back amount	10,000
Maximum daily ATM withdrawal amount	2,000
Minimum ATM withdrawal Amount	10
Maximum daily number of ATM withdrawal transactions	5
Maximum monthly ATM withdrawal limit	15,000
Maximum annual ATM withdrawal limit	150,000

3. Using your Card
The Card is a prepaid product which can be used to pay for goods and services at retailers that display the MasterCard symbol. To use the Card, present it at the time of payment. Use it in full or part payment of your purchase.
When you receive your Card, you must register your card. This is done through Paygoo’s website www.paygoo.no and inputting the personal information requested.
The Card cannot be used to make payments until it has been registered.
You must not make purchases that exceed the balance of funds available on the Card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the Card limits in force from time to time, the transaction will be declined.
You can use the Card at any merchant who accepts Mastercard prepaid cards to make purchases in-store or on-line.
Before using the Card it is your responsibility to ensure that there are sufficient funds loaded on it to cover your purchase. You will not be able to use your Card after its Expiry Date.
We will deduct the value of your transactions from the balance on your Card as soon as they are made and we will also deduct any applicable fees as soon as they become due; see our Fees clause below for details of any applicable fees. While the Cardholder may use the Card, the Card always remains our property.
For fraud prevention reasons, your Card use may be queried and we may block further usage, either completely or only in certain territories or merchants. In such circumstances, you can contact customer services.
We may ask you to stop using your Card, to return it to us or destroy it. We may at any time suspend, restrict or cancel your Card or refuse to issue or replace a Card for reasons relating to the following:

1. We are concerned about the security of your account or Card(s) we have issued to you;
2. We suspect your Card is being used in an unauthorised or fraudulent manner; or
3. We need to do so to comply with applicable law.

If we do this, we will tell you as soon as we can or are permitted to do so. Like other payment cards, we cannot guarantee a retailer will accept your Card. We may also refuse to pay a transaction:

1. If we are concerned about security of your Card or we suspect your Card is being used in an unauthorised or fraudulent manner;
2. If sufficient funds are not loaded on your Card at the time of a transaction to cover the amount of the transaction and any applicable fees;
3. If we have reasonable grounds to believe that you are acting in breach of these T&Cs;
4. If we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or
5. Because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.

If we refuse to authorise a transaction, we will immediately tell you why, if practicable, unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting customer services.

4. Authorising Transactions
Subject to the features of the particular Card, the authorisation of a transaction can include authorising any single transaction, or pre-authorising future transactions of a certain or uncertain amount.
A Card transaction will be regarded as authorised where you authorise the transaction at the point of sale by following the instructions provided by the merchant or retailer. This may include:

1. Signing a sales voucher; or
2. Providing the Card details and/ or providing any other details as requested;
3. Making a contactless payment where the Card features so allow.

Authorisation for a transaction may not be withdrawn (or revoked) by you after the time it is received by the merchant.
We will pay the funds required by the retailer or merchant to cover the transactions authorised by you within three (3) days of us receiving their request. A transaction will be received at the time we receive the transaction instruction from the merchant acquirer.

5. Expiry, suspension and cancellation of your Card
The Card will expire on the Valid Thru date displayed on the card (the Expiry Date). After the Expiry Date, you cannot use the Card but you can access any unspent funds through the redemption process specified in clause 6 of these T&Cs.
We may also cancel these T&Cs or suspend your Card or account immediately if we believe your Card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this, we will tell you as soon as we are permitted to do so. If we cancel your Card, you must tell us what you want us to do with any unused funds within three (3) months of the date we notify you that your Card is cancelled. If your Card is cancelled, we will immediately block your Card so it cannot be used. You will not be entitled to a refund of money you have already spent on authorised transactions or pending transactions or any fees for use of the Card before the Card is cancelled or expires.
You can cancel your Card by contacting customer services. If you cancel your Card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you; see clause 10 below for further information. A Redemption Fee may be charged (see Fees clause below).

6. Replacement and Redemption during and after the Expiry Date and Redemption Fee.
Any available balance on the Card may be redeemed at any time up to six (6) years after the Expiry Date. In order to do so, the Cardholder must contact customer services, present full identification and complete a redemption form provided by customer services or Issuer.
During the first twelve (12) months following the Expiry Date, the redemption of any remaining funds on a Card will be free of charge. However, if the Cardholder requests a redemption while the Card is active, i.e. before the Expiry Date, or after more than twelve (12) months from the Expiry Date, a Redemption Fee of NOK150 will be deducted from the value of the redemption remitted to the Cardholder. Any redemption will be remitted only to the Cardholder by transfer to the bank account nominated by the Cardholder on the redemption form. A request for redemption may take up to thirty (30) days to process, though we will try to process the request sooner if possible.

7. Keeping your Card secure
You should treat your Card like cash. If it is lost or stolen, you may lose some or all of your money on your Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Card safe and not let anyone else use it.
We recommend that you check the balance on your Card regularly online at the Website.

8. Lost or stolen Card and unauthorised or incorrectly executed payments
You must tell customer services without undue delay if you know or suspect that a Card is lost or stolen or if you think a transaction has been incorrectly executed.
We will refund any incorrectly executed transaction immediately unless we have any reason to believe that the incident has been caused by a breach of these T&Cs, negligence or we have reasonable grounds to suspect fraudulent activity. However, you will bear the loss, up to NOK500 in total, if the transaction results from the use of a lost or stolen Card.
However, if investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or negligently (for example by failing to keep your Card secure), you may be liable for any loss you or we suffer because of the use of the Card.

9. Our liability
We will not be liable for any loss arising from:

1. Any cause which results from abnormal or unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all our efforts to the contrary; or
2. A retailer refusing to accept your Card (unless we have acted with gross negligence or wilfully in this regard); or
3. Our compliance with legal and regulatory requirements; or
4. Loss or corruption of data unless caused by our gross negligence or wilful default.

10. Your Rights to Redemption of Funds and Refunding of Transactions on Your Card
You have the right to redeem the funds on your Card at any time in whole or in part in accordance with the process described in clause 6 of this document.
We will not redeem the value of the funds on your Card to you if your request for redemption is more than six (6) years after the date of termination or expiry of these T&Cs.
Clause 13 contains a summary of applicable fees, including redemption fees.

11. Refunding Transactions
You may be entitled to claim a refund in relation to transactions where:

1. The transactions were not authorised under these T&Cs;
2. We are responsible for a transaction which was incorrectly executed and you notified us in accordance with clause 8 above;
3. A pre-authorised transaction, if applicable, did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected, taking into account normal spending patterns on the Card or the circumstances of the transaction.

A claim for a refund in the circumstances set out above will not be accepted if the amount of the transaction was notified to you at least four (4) weeks before the transaction date or if the claim is made more than eight (8) weeks after being debited from your account.
We will arrange an electronic transfer to a bank account nominated by you. However, to enable us to comply with our legal obligations, we may ask you to provide us with certain information before we can process your refund request.

12. Changes to these T&Cs
We may change these T&Cs at any time by notifying you on the Website at least two (2) months before the change is due to take effect. The most current version of these T&Cs will always be available on the Website. The change will automatically take effect and you will be taken to have accepted the notified change unless you tell us that you do not agree to the change. In that event, we will treat that as notification that you wish immediately to terminate and in such circumstances, we will refund any balance on the Card in accordance with clause 11 above and you will not be charged a refund fee.

13. The Fees
We do not charge any fees for checking your on-line balance and transactions. However, the following fees do apply:

Fee type	Fee amount NOK
Card fee	99
Annual fee	99
Load fee, card	30 + 2% of load amount
Load fee, cash	29
Load fee, online load	30 + 2% of load amount
Redemption fee	150
Service fee (SMS, Pin, balance, transactions	6
Service fee for purchases in foreign currency	4% (+ transaction fee of 3.50)
Transfer fee	16
Transaction fee	3.5
Cash withdrawal, Card currency	40
Cash withdrawal, foreign currency	40

14. Disputes with Retailers
If you have any disputes about purchases made using your Card, you should settle these with the merchant or person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Card. Remember that once you have used your Card to make a purchase we cannot stop that transaction.

15. Customer Services
If you have any enquiry relating to your Card, you can contact customer services at hello@paygoo.no

16. Complaints
If you are unhappy in any way with your Card or the way it is managed, you should first contact customer services at hello@paygoo.no
If your complaint is not satisfactorily dealt with, please contact EML by email at cardsupport@emlpayments.com.
If you are still unhappy you may also contact and raise your concerns with the Financial Services and Pensions Ombudsman at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, D02 VH29.
Telephone: +353 (0)1 567 7000 and e-mail: info@fspo.ie or by using their online facility to submit a complaint.

17. Compensation
The Card is an electronic money (e-money) product and although it is a regulated by the Central Bank of Ireland, no compensation scheme exists to cover losses claimed in connection with the Card.

18. Assignment
We may assign the benefit and burden of these T&Cs to another company at any time, on giving you two (2) month’s prior notice of this. If we do this, your rights will not be affected.

19. Severability
If any part of these T&Cs is, for any reason, held to be illegal, invalid or unenforceable - (i) that part is to be read down to the extent necessary to preserve its operation and, if it cannot be read down, it is to be severed, and (ii) the legality, validity and enforceability of the remainder of these T&Cs shall not be affected thereby and shall remain in full force and effect to the greatest extent permitted by law.

20. Personal Data
EML Money DAC and EML Payments AB are referred to collectively as “we”, “us” and “our” in this section 20 and each can act jointly and severally in relation to this section. We may collect and retain personal data about you so that we can operate your Card and related Card account and deal with any inquiries that you may have about it.
By using your Card you explicitly consent to us accessing, processing, and retaining any information or personal data you provide to us or to Paygoo, for the purposes of providing payment services to you. This does not affect our respective rights and obligations under applicable data protection legislation. You may withdraw this consent by closing or terminating your Card. If you withdraw consent in this way, we will cease using your personal data for this purpose, but may continue to process your personal data for other purposes where we have other lawful grounds to do so, such as where we are legally required to keep records of transactions.
We are also required to collect personal data to identify you and verify your identity. Without your information we cannot make the Card available to you and you should not apply for the Card.
The processing of your personal data is governed by the EML Money DAC and EML privacy policies (as applicable) which can be found at https://www.perfectpaas.com/Help/PrivacyPolicy and https://emlpayments.com/privacy, and by Paygoo’s privacy policy (as applicable) which can be found at https://en.paygoo.no/personvernerklaering-en. By accepting these T&Cs, you agree to the terms of the EML Money DAC and EML privacy policies. For further information please contact customer services at hello@paygoo.no

21. Governing Law
These T&Cs are concluded in English. All communications with you will be in English wherever possible. In the event these terms and conditions are translated into any language other than English then the English language version shall prevail. These T&C’s and any dispute, proceedings or claim of whatever nature arising out of or relating to these T&Cs (including any non-contractual disputes or claims) shall be governed by and interpreted in accordance with the laws of Ireland and the courts of the Republic of Ireland shall have jurisdiction. This is without prejudice to any rights you may have as a matter of mandatory applicable consumer law.

22. Fund Protection
As a responsible e-money issuer, EML Money DAC ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Card. In the event that EML Money DAC becomes insolvent, funds that you have loaded and which have been deposited by EML Money DAC are thereby protected against the claims made by creditors.

23. Card Issuer
Your Card is issued by EML Money DAC whose principle office is Second Floor, La Vallee House, Upper Dargle Road, Bray, Co. Wicklow, A98 W2H9, Republic of Ireland, which is authorised by the Central Bank of Ireland under the Electronic Money Regulations 2011 (Register Ref: C95957).