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

1. Your Gift Card

Your Gift 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 Gift Card.
Your Gift Card is issued by us pursuant to a license from Mastercard® International Incorporated. Using the Gift Card indicates your agreement with these terms and conditions.

2. Load limits on your Gift Card

Your Gift Card has a maximum load amount of NOK 1500.

Limits
Max Load / Balance	NOK 1,500
Min Load / Balance	NOK 200

From 01.08.2024, min. load/balance is lowered to NOK 100.

3. Using your Gift Card

You can use the Gift Card at any merchant who accepts Mastercard prepaid cards to make purchases in-store.
Before using the Gift 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 Gift Card after its Expiry Date.
We will deduct the value of your transactions from the balance on your Gift 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 Gift Card, the Gift Card always remains our property.
For fraud prevention reasons, your Gift 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 Gift Card, to return it to us or destroy it. We may at any time suspend, restrict or cancel your Gift Card or refuse to issue or replace a Gift Card for reasons relating to the following:

1. We are concerned about the security of your account or Gift Card(s) we have issued to you;
2. We suspect your account 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 Gift Card. We may also refuse to pay a transaction:

1. If we are concerned about security of your Gift Card or we suspect your Gift Card is being used in an unauthorised or fraudulent manner;
2. If sufficient funds are not loaded on your Gift 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 Gift Card, the authorisation of a transaction can include authorising any single transaction, or pre-authorising future transactions of a certain or uncertain amount.
A Gift 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 Gift Card details and/ or providing any other details as requested;
3. Making a contactless payment where the Gift 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 Gift Card

The Gift Card will expire at midnight on the last day of the month listed as expiry date on the front of the card (if the expiry date is 01/24, the card will not work after the 31st of January 2024). After the Expiry Date, you cannot use the Gift 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 Gift Card or account immediately if we believe your Gift 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 Gift 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 Gift Card is cancelled. If your Gift Card is cancelled, we will immediately block your Gift 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 Gift Card before the Gift Card is cancelled or expires.

You can cancel your Gift Card by contacting customer services. If you cancel your Gift 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 of the Gift Card may be redeemed at any time. 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 Gift Card will be free of charge. However, if the Cardholder requests a redemption while the Gift 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 Gift Card secure

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

8. Lost or stolen Gift Card and unauthorised or incorrectly executed payments

You must tell customer services without undue delay if you know or suspect that a Gift 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 NOK 500 in total, if the transaction results from the use of a lost or stolen Gift 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 Gift Card secure), you may be liable for any loss you or we suffer because of the use of the Gift 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 Gift 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 Gift Card

You have the right to redeem the funds on your Gift Card at any time in whole or in part in accordance with the process described in clause 6 of this document. 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 Gift 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 Terms

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 Gift 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	39,00 NOK
Transaction fee	3,50* NOK
Monthly fee (commences 6 months after purchasing the Card)	16,00 NOK
Card inactive fee (commences after 12 months inactivity)	50,00 NOK
Replacement card fee	195,00 NOK
Redemption fee	150,00 NOK
Service fee (SMS, Pin, balance, transactions	6,00 NOK
Service fee for purchases in foreign currency	4% (+ transaction fee of 3,50 NOK)
Transfer fee	16,00 NOK

* The first two transaction fees shall be waived

14. Disputes with Retailers

If you have any disputes about purchases made using your Gift 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 Gift Card. Remember that once you have used your Gift 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 Gift Card is an electronic money (e-money) product and although it is a product regulated by the Central Bank of Ireland, no compensation scheme exists to cover losses claimed in connection with the Gift Card.

18. Assignment

We may assign the benefit and burden of these terms and conditions 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 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 Gift Card. In the event that EML Money 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. Gift Card Issuer

Your Gift Card is issued by EML Money DAC the “Issuer”), 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).

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://paygoo.no/privacy. 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).

1. The Gift Card

1.1 These terms and conditions apply to any holder of PAYGOO Mastercard® Gift card (‘the gift card’). By using your card, you are demonstrating your agreement to these terms and conditions.

1.2 The gift card is promoted by Paygoo AS (co-brand partner) and issued by UAB Paynovate. UAB Paynovate is authorized by the Financial Conduct Authority to conduct electronic money service activities under (EMI) license 900594 in the United Kingdom and (EMI) license LB001994 in Lithuania.

1.3 You will purchase the Gift Card in NOK. All references to this currency in these terms and conditions are relevant to you.

1.4 Additional funds cannot be put onto the Gift Card after initial purchase, except in the case where a retailer refunds a transaction onto the Gift Card.

1.5 The Gift Card is an e-money product, and as such it is not covered by the Financial Services Compensation Scheme. In the unlikely event that UAB Paynovate becomes insolvent, your funds may become valueless and unusable, and as a result you may lose your money.

1.6 These terms and conditions are available online www.paygoo.no. You can request a copy of these terms and conditions at any point in their duration.

2. Definitions

In these terms and conditions, the following words and phrases have the meanings shown next to them:

• ATM – means automatic teller machine or cashpoint facility or cash dispenser;
• Business day – means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales;
• Gift Card – means your Paygoo Mastercard Prepaid Gift Card (including replacement card);
• Card scheme – means Mastercard
• Fees – a variety of charges that can be raised for purchase and ongoing use of the card;
• PIN – means personal identification number i.e. the security number provided for use with the card;
• Purse value – means the maximum value of funds that can be held with the card any one time;
• Supplier – a retailer, merchant or other supplier of goods and/ or services which accepts payment by means of a card, card number, PIN or card and signature;
• Summary Box – The section that includes notification of charges, limits and restrictions associated with the card;
• Supplier’s bank – the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions.
• Verification of identity – means confirming personal identity and address of you by conducting electronic verification of your details or by you providing documentation of identity.
• We / us / our – means UAB Paynovate or co-brand partners acting on our behalf;
• Year – 12 month period following the date when the card is issued to you and each subsequent 12 month period.
• You / your – means the person/employee who has received the card and is authorised to use the card as provided under the terms of this Agreement.

3. Purchase and activation of the Gift Card

3.1 When purchased the maximum value that may be loaded onto the card is 1500 NOK subject to clauses 3.3 and 3.3.1. The Gift Card will be activated at the point of purchase and the monies on the Gift Card will be available for use immediately after purchase, but the card will require activation prior to use. This can easily be done on www.paygoo.noor by texting ACTIVATE your customer-ID to 2380.

3.2 If the Gift Card is purchased over the Internet, the maximum value that may be loaded onto the card is 1500 NOK, subject to clauses 3.3, 3.3.1. The Gift card will require activation. You can activate the card through our website www.paygoo.no or through our SMS service by typing in AKTIVER and send to 2380. Monies on the Gift Card will normally be available for use immediately after activation.

3.3 The card cannot be reused in any way. And after the initial load is used the card should be destroyed by cutting it in two pieces and throw it away in a trash bin.

3.3.1 Upon registration we are storing your mobile number for identification purposes.

4. Use of the card

4.1 A The purchaser of the Gift Card may use the Gift Card, or it may be given to another person as a gift. Before use, the Gift Card should be signed on the reverse by the person who will be using the Gift Card.

4.2 The Gift Card is designed for use in shops, retail locations in the originated country of purchase. For Norway that accounts for Norway and the same accounts for our Swedish and Finnish gift cards. To use the card, present it at the time of payment. Use it in full or part payment of your purchase in which case you will be required to pay the outstanding amount of the purchase by an alternative means, for example, cash or debit or credit card providing the retailer accepts a combination of payment methods.

4.2.2 Additional funds cannot be added to the Gift Card after purchase.

4.3 You must not make purchases that exceed the balance of funds available on the Gift 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 the transaction may be declined.

4.4 The Gift Card is not a debit card supported by a bank account and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. You will not earn any interest on any funds loaded on to the card.

4.4.1 You must not use the Gift Card for:

4.4.2 pre-authorised regular payments;

4.4.3 transactions for cash including for example cash back, cash from a bank, money orders, traveler’s cheques, foreign exchange, or bureau de change, or any illegal purposes.

4.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.

4.6 We may stop, suspend or restrict your card or PIN on reasonable grounds relating to:

4.6.1 the security of your card, card number or PIN, and

4.6.2 the suspected unauthorised or fraudulent use of your card or PIN. We will, if possible, inform you before stopping, suspending or restricting your card or PIN that we intend to do so and the reasons for doing this. If we are unable to do so, then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures, or it would be unlawful to do so.

4.7 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card.

4.8 We will not sell the Gift Card under these terms and conditions to anyone under the age of 13 years old.

5. Transactions

5.1 You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.

5.1.2 We will be entitled to assume that a transaction was authorised by you where the magnetic stripe on the card was swiped by the retailer, where there is a signed sales slip, or where relevant information is supplied to the retailer that allows them to process the transaction.

5.2 You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.

5.3 We may refuse a transaction. We may do this if the relevant phone or computer link is busy. We may also do this if:

5.3.1 a transaction might take you over your available funds on the card; or

5.3.2 a transaction might take you over any of your card limits; or

5.3.3 We reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or

5.3.4 We reasonably believe that there are needs to do so to comply with any law or as a matter of good practice.

6. Foreign currency transactions

6.1 If the Gift Card is used for transactions which are not in the currency of the card fees will be applied for doing so.

6.2 If you make a transaction in a currency other than the currency of the card we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a service charge (commission), see Summary Box.

6.3 Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the service charge from your balance. The exchange rate applied will include this service charge. You can check the exchange rate used as described in condition. Your online statement will show the exchange rate and service charge.

7. Checking your balance

7.1 To check the available balance on your card or to review your transactions visit www.paygoo.no, use our SMS service by sending SALDO to 2380 (5 NOK per SMS). You can alsoemail our customer support on hello@paygoo.no.

8. When your card expires

8.1 The card’s expiry date is printed on the card.

8.2 You can redeem any outstanding balance on the card up to 6 years after the expiry date by following the process in condition 9. If any balance remains on the card for more than 6 years after the expiry date, it will not be refunded.

8.3 No fees will be added to the Gift Card after the available funds have been spent.

9. Redemption

9.1 You can redeem all or part of your balance by e-mailing hello@paygoo.no up until the date that is 6 years after the expiry date shown on your card, we will transfer any redeemed funds into a bank account which is in your name. We will ask you to sign a written refund request and send us proof of purchase of the card before we make the transfer. We may also request proof from you of the account name.

9.2 You will be charged a fee of 125 NOK to cover redemption costs on each occasion that you redeem if you redeem all or part of your balance at the following times:

9.2.1 where redemption is requested before termination of the contract;

9.2.2 where the e-money holder terminates the contract before any agreement termination date; or

9.2.3 where redemption is requested more than one year after the date of the termination of the contract.

9.3 You will be reminded of this fee before redemption. Please note that if your balance is equal to or less than the amount you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero.

9.4 You will not be charged a fee for redemption if:

9.4.1 we terminate this agreement, or

9.4.2the request for redemption is a termination of the contract due changes to this agreement.

10. Liability

10.1 The Gift Card must be signed by the user as soon as it is received, and you must take precautions to ensure it is safe. You must always make sure that you:

10.1.1 do not allow anyone else to use your card;

10.1.2 do not reveal your PIN and never write down your password(s), PIN or any security information you have given us unless you do this in a way that would make it impossible for anyone else to recognise any of that information;

10.1.3 only release the card, card number or PIN to make (or try to make) a transaction, and

10.2 If your card is lost or stolen or someone else finds out the PIN or its security features or, if you think your card, card number or PIN may be misused, you must:

10.2.1Call us without undue delay on +47 906 59 500 (TOLL FREE). We have a 24-hour service so that we can block your card and PIN;

10.2.2 if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is Paygoo AS, Dronning Eufemias Gate 16, 0191 OSLO), and

10.2.3 stop using the card, card number or PIN immediately. If you find the card after you have reported it lost, stolen or misused, you must destroy it and tell us as soon as you can.

10.3 If your card, or any replacement card, is lost or stolen, once you have reported it you can request a replacement by emailing hello@paygoo.no. We will charge a fee for the replacement card. This is set out in the Summary Box.

10.4 You may not be liable for any use of the card, card number or PIN by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:

10.4.1 you agreed to that person having your card, card number or PIN, or through gross negligence or carelessness, failed to comply with condition 10.1, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions, or

10.4.2 you acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number or PIN.

10.4.3 you may only be liable to a maximum of 380 NOK resulting from transactions arising from the use of a lost or stolen card or from the misappropriation of the payment instrument where the cardholder has failed to keep security features of the card safe. The 380 NOK liability limit is applicable to each instance of loss, theft or misappropriation and not each transaction.

10.5 If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believe may be relevant.

10.6 We will not be liable for:

10.6.1 any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service;

10.6.2 any person refusing to accept or honour (or delays in accepting or honouring) your card, card number or PIN, or

10.7 In case of errors or disputes about transactions, email us on hello@paygoo.no.

11. Altering these terms and conditions

11.1 We may change any of these terms and conditions, including fees and charges, or introduce new terms. If we make any changes, we will give 2 months prior written notice to you by email or phone. If we change these terms and conditions, the new terms and conditions will be available at www.paygoo.no from the date the changes take place.

11.2 You will be deemed to have accepted any change to these terms and conditions unless you notify us of any objection before the proposed date of the change.

11.3 Between receipt of the notice and the proposed date of change, if you notify us that you do not accept the change, this agreement will terminate immediately and subject to condition 9.4.2 you can redeem your total balance at that time without charge.

12. Ending this agreement

12.1 We may terminate this agreement at any time. Unless there are exceptional circumstances we will give you 2 months’ prior written notice.

12.2 You can terminate this agreement by emailing us on hello@paygoo.no subject to condition 11.4.

12.3 If you do not redeem your full balance within 6 years of your card’s expiry date, this agreement terminates.

13. General

13.1 By entering into this agreement you agree that we may use your information in accordance with the ‘How we use your information’ section of these terms and conditions, as set out in condition 16.

13.2 We may monitor and/or record telephone calls between you and us or service providers.

13.3 You must provide us with an email and postal address and phone number and let us know of any changes.

13.4 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.

13.5 We can delay enforcing its rights under this agreement without losing them.

13.6 If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.

13.7 This agreement is governed by the law of England and Wales. The language of this agreement is English, and all notices and information given under this agreement will be in English.

14. Payment services information

14.1 This condition (14) only applies if the supplier’s bank is located within the European Economic Area (EEA) and the payment services being carried out are transacted in Euro, or another currency of an EEA member state.

14.2 We will ensure that a transaction you make is credited to the supplier’s bank, or that returned funds following redemption, late execution of payment transactions or cancellation are credited to your bank within these timescales:

Type of Transaction	Timescale
Transaction carried out in a currency other than Euro (€) or Pounds Sterling (£) Or Transaction involving more than one currency	By the end of the fourth business day following the day on which the transaction or order is received
Any other Transaction	By the end of the business day following the day on which the transaction order is received

If you are able to make payments directly from your account to another person and if a payment you asked us to make within the EEA arrives later than it should have, you can ask us to contact the receiving bank and ask them to treat it as if it was made on time.

14.3 If you use your card or provide your card details to a supplier to make a transaction before you know the amount which is going to be charged to your card, then you may be entitled to request a refund if the amount is unexpectedly large, provided that you tell Paygoo AS within eight weeks from the date the transaction is deducted from your balance but you will NOT be entitled to a refund if you have been told by us, or the supplier, of the amount of that transaction at least four weeks before the transaction is due to be deducted from your balance, and you consented to the transaction.

For card-based payment transactions where you do not know the exact amount of the payment transaction at the time you authorise it, we will not block funds on your payment instrument unless you authorise the exact amount to be blocked. This could be the case for payments you make at hotels or at fuel stations for example.

We shall release any blocked funds without undue delay as soon as we are aware of the exact amount of the payment transaction and immediately after receipt of the relevant payment order.

14.4 On receipt of such a request under condition 14.3, we may require you to provide us with the information to ascertain whether the conditions in condition 14.3 have been met. Within 10 business days of receiving a request from you under condition 14.3 or of receiving any additional information required under this paragraph, we will provide a refund or justify why we are refusing the request.

14.5 We are liable for the correct execution of the transaction unless we can prove that the transaction was received by the supplier’s bank, in which case the supplier’s bank is liable to the supplier. You may request that we make immediate efforts to trace an incorrectly executed transaction and notifies you of the outcome.

14.6 When a supplier initiates a transaction it is the supplier’s bank which is liable for the correct transmission of the relevant details to us. If the supplier’s bank can prove that it is not responsible for a transaction which has failed or has been incorrectly executed, we will be responsible to you.

14.7 If we are responsible for an incorrect amount of a transaction being deducted from your balance, we will correct the error. If we are responsible for a transaction being deducted from your balance which you did not authorise, we will refund the amount of the transaction to your balance and treat the transaction as if it had never occurred (We may charge you a reasonable fee to cover our costs in doing this). You must inform us of an unauthorised or incorrect transaction as soon as possible and in any event no later than 13 months after the debit date. If you do not do so, we may not be liable.

14.8 We are not liable if you incorrectly identify the supplier under a transaction. In such a case, we will make reasonable efforts to recover the funds involved.

15. Complaints and how to contact us

15.1 If you would like to make a complaint or contact us for any other reason connected to these terms and conditions please email us on hello@paygoo.no, Paygoo AS/AB, Dronning Eufemias gate 16, 0191 OSLO. We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange, London, E14 9SR. We will try to resolve any complaints you have about your payment instrument or the service we provide to you within 15 business days of receiving your complaint and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).

16. How we use your information

16.1 We may search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We may use an automated decision-making system to assess your application and verify your identity.

16.1.1 If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address.

16.2 Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by lenders other than the one that carried out the search. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit.

16.3 If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

16.3.1 The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas.

16.3.2 Please email us on hello@paygoo.no if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details.

16.3.3 You have certain rights to receive a copy of any information we hold about you. Please write to: hello@paygoo.no. We may charge you for this service.

16.4 Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example:

16.4.1 to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, proposals and claims for all types of insurance, job applications and employee records, and to verify your identity.

16.4.2 The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018 / GDPR.

16.5 When you have an agreement with us we may use the following types of information about you:

16.5.1 information you give us or we already hold about you, including any phone number you call us from, which we may record;

16.5.2 information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies;

16.5.3 information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us, and

16.5.4 information we receive from anyone who is allowed to provide us with information about you.

16.6 We will process, use, manage, control, release and record information about you to:

16.6.1 search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account;

16.6.2 manage your accounts and policies, and manage any application, agreement or correspondence you may have with us;

16.6.3 carry out, monitor and analyse our business;

16.6.4 contact you by post, by phone or in another way about other products and services which we consider may interest you – unless you tell us that you prefer not to receive direct marketing;

16.6.5 fight fraud, money-laundering, terrorism and other crimes, and

16.6.6 keep to any laws or regulations in any country

16.7 We may reveal information about you:

16.7.1 to any person working for us or our co-brand partners;

16.7.2 to fraud prevention agencies;

16.7.3 to any organisation which backs any of our products which you hold;

16.7.4 to any payment system under which we issue your card;

16.7.5 if a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the UK);

16.7.6 to any person to whom we transfer any of our rights or obligations under any agreement we may have with you, and

16.7.7 to anyone you authorise us to give information about you to.

16.8 Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible for making sure that your information continues to be protected.

16.9 We will keep information about you for only as long as we need to or is required to meet legal obligations (usually no more than 5 years after redemption or termination).

17. Summary box- charges

This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees’ limits and restrictions that apply to each card are set out below.
The limits structure for your card depends on whether you have satisfied identity requirements and the permitted geographical spending facilities associated with the card.

Fee	Amount
Price of Paygoo Gift	39 NOK
Transaction Fee (applies after 2 transactions)	3 NOK
Monthly Fee (applies 6 months after purchase)	15 NOK per month
Fee for replacement card posted by Paygoo	125 NOK
Fee for redemption (money transfer from Paygoo card to bank	125 NOK
Fee for transferring funds between cards	15 NOK
Paygoo Gift Inactivity Fee (after 12 months of inactivity)	35 NOK per month
Service Fee (retrieve PIN-number, check balance and get transaction overview via SMS)	5 NOK
Service charge (commission) for purchases in foreign currency	4%

Fee	Amount
Maximum balance, anonymous card	1500 NOK
Maximum load at the point of sale	1500 NOK

18. Contacting you in an emergency

Vi må kanskje kontakte deg i et nødstilfelle hvis vi har mistanke om eller avdekker at svindelaktivitet har forekommet på kontoen din (forutsatt at det ikke er forbudt ved lov) eller hvis vi blir utsatt for en sikkerhetstrussel. For å gjøre det kan vi (for eksempel) sende deg en tekstmelding i stedet for å ringe deg eller sende deg en e-post hvis vi mener det er den raskeste måten å kontakte deg på. Når vi kontakter deg, vil vi også gi deg informasjon om hvordan du kan redusere eventuell risiko for betalingsinstrumentet ditt til et minimum avhengig av typen sikkerhetstrussel.

Vi vil bruke den samme kontaktinformasjonen som du har gitt oss tidligere, når vi kontakter deg. Du må informere oss straks hvis personopplysningene eller kontaktinformasjonen din endres.

1. The card

1.1 These terms and conditions apply to any holder of Paygoo Mastercard Reload card (‘the Reload card’). By using your card, you are demonstrating your agreement to these terms and conditions.

1.2 The gift card is promoted by Paygoo AS (co-brand partner) and issued by UAB Paynovate. UAB Paynovate is authorized by the Financial Conduct Authority to conduct electronic money service activities under (EMI) license 900594 in the United Kingdom and (EMI) license LB001994 in Lithuania.

1.3 You will apply for a card in a stated currency. All references to that currency in these terms and conditions are relevant to you.

1.4 The card is an e-money product, and as such it is not covered by the Financial Services Compensation Scheme. In the unlikely event that UAB Paynovate becomes insolvent, your funds may become valueless and unusable, and as a result you may lose your money.

1.5 These terms and conditions are available online at www.paygoo.no/se. You can request a copy of these terms and conditions at any point in their duration.

2. Definitions

In these terms and conditions, the following words and phrases have the meanings shown next to them:

• ATM – means automatic teller machine or cashpoint facility or cash dispenser;
• Business day – means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales;
• Card – means your Paygoo Mastercard Reload Prepaid Card (including any secondary / companion or replacement card);
• SDD – Lower card limit. First level of identification. You type in your name, date of birth, address and the card is registered based on that.
• FDD – Higher card limit. Will require full identity check by using Bank ID.
• Card scheme – Mastercard
• Fees – a variety of charges that can be raised for purchase and ongoing use of the card;
• PIN – means personal identification number i.e. the security number provided for use with the card;
• Purse value – means the maximum value of funds that can be held with the card any one time;
• Supplier – a retailer, merchant or other supplier of goods and/ or services which accepts payment by means of a card, card number, PIN or card and signature;
• Summary Box – The section that includes notification of charges, limits and restrictions associated with the card;
• Supplier’s bank – the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions.
• Paygoo Mastercard Reload Prepaid Card – means a card with the features set out in condition 3.2;
• Verification of identity – means confirming personal identity and address of you by conducting electronic verification of your details or by you providing documentation of identity;
• We / us / our – means PAYGOO AB/AS.
• Year – 12 month period following the date when the card is issued to you and each subsequent 12 month period.
• You / your – means the person or persons who have received the card and are authorized to use the card as provided for in this Agreement;

3. Loading the card

3.1 The table below sets out the methods by which you can pay for and load up your card when you first get it and how you can load it up subsequently:

When you pay	Method	Card type NOK
Purchase	Through shops	99 NOK
	Through shops	99 NOK
	Debit card	99 NOK
Reloading	Credit card	Minimum single load - 200 NOK Maximum single load - 10 000 NOK
	Load through shops	Minimum single load - 200 NOK Maximum single load - 2000 NOK
	Debit card	Minimum single load - 200 NOK Maximum single load (up to permitted card purse value - 2000 NOK

3.2 To load 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 UK or EEA and is registered at the same address as this card.

3.3 The time that it takes for your card balance to be updated when you load your card depends on the method that you use and the time that it takes for the funds to be sent to the Issuer. If the Issuer receives the funds on a business day, your card will be updated with the amount on the same business day. If the Issuer receives the funds on a day that is not a business day, the Issuer will update your balance on the next business day. You can check the transfer time, for example, with your bank or credit card provider if paying from a bank account or credit card.

3.4 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 will show 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.

4. Use of the card

4.1 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.

4.2 When you receive your card, you must register your card. This is done through our website www.paygoo.no/se and input the personal information unless your other card has been lost or stolen and you have reported the loss or theft to us.

4.3 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 and set out in condition 3 (e.g. ATM withdrawal limit) the transaction will be declined.

4.4 You can use the card to make purchases in-store, via the internet or over the phone. The card can be used to obtain cash through ATMs. There is no cash back facility. This is not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. You will not earn any interest on any funds loaded on to the card.

You must not use the card for:

4.4.1 pre-authorised regular payments;

4.4.2 transactions at self-service petrol pumps;

4.4.3 transactions for cash (other than ATM withdrawal) including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change, or 4.4.4 any illegal purposes.

4.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.

4.6 We may stop, suspend or restrict your card or PIN on reasonable grounds relating to:

4.6.1 the security of your card, card number or PIN, and

4.6.2 the suspected unauthorised or fraudulent use of your card or PIN. We will, if possible, inform you before stopping, suspending or restricting your card or PIN that we intend to do so and the reasons for doing this. If we are unable to do so then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures or it would be unlawful to do so.

4.6.3 If you have been issued with a SDD card or limited features card then you may only use this at ATM machines in Norway/Sweden.

4.7 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card.

4.8 We will not issue the main card under these terms and conditions to anyone under the age of 18 years old. We may allow you to have additional cardholders sharing your balance who are at least 13 years old.

4.9 Paygoo AS/AB has the right to block merchants if they find this necessary.

5. Transactions

5.1 You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.

5.2 The time of receipt of a transaction order is when it is received by us. If a transaction order is received after 4pm on a business day then it will be deemed to have been received on the next business day. If receipt does not fall on a business day then it will be deemed to have been received on the next business day.

5.3 You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.

5.4 We may refuse a transaction or suspend or terminate the right to top up your card. We may do this if the relevant phone or computer link is busy. We may also do this if:

5.4.1 a transaction might take you over your available funds on the card; or

5.4.2 a transaction might take you over any of your card limits; or

5.4.3 We reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or

5.4.4 We reasonably believe that there are needs to do so to comply with any law or as a matter of good practice.

6. Foreign currency transactions

6.1 The card can be used for transactions which are not in the currency of the card although a fee will be applied for doing so.

6.2 If you make a transaction in a currency other than the currency of the card we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a service charge (commission), see Summary Box.

6.3 Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the service charge from your balance. The exchange rate applied will include this service charge. You can check the exchange rate used as described in condition.

6.4 Your online statement will show the exchange rate and service charge.

7. Checking your balance

7.1 To check the available balance on your card or to review your transactions visit www.paygoo.no and login to My Page or use our sms service by sending SALDO Customer ID for to 2380. The sms cost is 5 NOK being deducted from the balance of your card.

8. When your card expires

8.1 The card’s expiry date is printed on the card. You must not use the card after its expiry date, and you will not be able to reload it.

8.2 If you want to continue using your Paygoo Reload card, you must purchase a new card and add it to your Paygoo user account. Send us an e-mail at Hello@Paygoo.no with your mobile number and customer ID from the card, and we will transfer the money to the new card according to our terms and conditions. Money can only be transferred between cards linked to the same Paygoo user account.

9. Redemption

9.1 You can redeem all or part of your balance by e-mailing us on hello@paygoo.no up until the date that is 6 years after the expiry date shown on your card. We will transfer any redeemed funds into a bank account which is in your name. We will request proof from you of the account name.

9.2 You will be charged a fee (see Summary Box) to cover redemption costs on each occasion that you redeem if you redeem all or part of your balance at the following times:

9.2.1 where redemption is requested before termination of the contract;

9.2.2 where the e-money holder terminates the contract before any agreement termination date; or

9.2.3 where redemption is requested more than one year after the date of the termination of the contract.

9.3 You will be reminded of this fee before redemption. Please note that if your balance is equal to or less than the amount you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero.

9.4 You will not be charged a fee for redemption if:

9.4.1 we terminate this agreement, or

9.4.2 the request for redemption is a termination of the contract due to changes in this agreement.

10. Additional cardholders

10.1 You can request that additional cardholders are issued cards with access to your balance and we will charge a fee per card (see Summary Box). There will be one, shared balance. The additional card can only receive funds (top-up) by transfer from the primary card. All transactions or charges will be deducted from your balance.

10.2 You must provide personal information of name and address and date of birth about an additional cardholder who has given authority to you to provide this data.

10.3 Any additional cardholder must be at least 13 years old. This is your responsibility to demonstrate to us, and we may ask for proof of age.

10.4 You must make sure that any additional cardholder complies with the requirements of these terms and conditions in respect of their card.

10.5 You must make sure that any additional cardholders under 18 years old do not use a card for any purpose for which the minimum age is 18 or higher, e.g. gambling, adult entertainment, purchase of alcohol.

10.6 If your card expires or this agreement is terminated, access to your balance will cease for any additional cardholder and any additional cardholder cards will expire or terminate as applicable. This will happen even if the expiry date printed on an additional cardholder’s card is later than that on your card.

11. Liability

11.1 You must sign your card as soon as you receive it and keep it safe. You must always make sure that you:

11.1.1 do not allow anyone else to use your card;

11.1.2 do not reveal your PIN and never write down your password(s), PIN or any security information you have given us unless you do this in a way that would make it impossible for anyone else to recognise any of that information;

11.1.3 only release the card, card number or PIN to make (or try to make) a transaction, and 11.2 If your card is lost or stolen or someone else finds out the PIN or if you think your card, card number or PIN may be misused, you must:

11.2.1 Call us with any further delay on +47 906 59 500 (TOLL FREE) so that we can stop your card and PIN;

11.2.2 if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is Paygoo AS/AB, Dronning Eufemias gate 16, 0191 OSLO, NORWAY), and

11.2.3 stop using the card, card number or PIN immediately. If you find the card after you have reported it lost, stolen or misused, you must destroy the card and inform us as soon as you can.

11.3 If your card, an additional cardholder card, or any replacement card, is lost or stolen, once you have reported it you can request a replacement card by emailing us on hello@paygoo.no. We will charge a fee for the replacement card. This is set out in the Summary Box.

11.4 You may not be liable for any use of the card, card number or PIN by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:

11.4.1 you agreed to that person having your card, card number or PIN, or through gross negligence or carelessness, failed to comply with condition 11.1, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions, or

11.4.2 you acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number or PIN.

11.4.3 you may only be liable to a maximum of 380 NOK resulting from transactions arising from the use of a lost or stolen card or from the misappropriation of the payment instrument where the cardholder has failed to keep security features of the card safe. The 380 NOK liability limit is applicable to each instance of loss, theft or misappropriation and not each transaction.

If you're due a refund for an unauthorised transaction, we'll make sure you receive this no later than the end of the next business day.

11.5 If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believe may be relevant.

11.6 We will not be liable for:

11.6.1 any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service;

11.6.2 any person refusing to accept or honour (or delays in accepting or honouring) your card, card number or PIN, or

11.6.3 any cash dispenser failing to issue cash. We will not be liable for the way in which you are told about any refusal or delay.

11.7 In case of errors or disputes about transactions, email us on hello@paygoo.no.

12. Altering these Terms and Conditions

12.1 We may change any of these terms and conditions, including fees and charges, or introduce new terms. If we make any changes, we will give 2 months prior written notice to you by email.

12.2 If we change these terms and conditions, the new terms and conditions will be available at www.paygoo.no from the date the change takes place.

12.3 You will be deemed to have accepted any change to these terms and conditions unless you notify us of any objection before the proposed date of the change.

12.4 Between receipt of the notice and the proposed date of change, if you notify us that you do not accept the change, this agreement will terminate immediately and subject to condition 9.4.2 you can redeem your total balance at that time without charge.

13. Cancellation rights

13.1 If you change your mind about having the card, you can cancel it within 14 days of the date you receive confirmation of your application being approved by emailing us on hello@paygoo.no. You will be charged for canceling the card during this period. We will refund any balance remaining on the card to you and any fees that you have paid.

13.2 We will reimburse you in the same currency as that of your pre-paid card.

14. Ending this agreement

14.1 We may terminate this agreement at any time. Unless there are exceptional circumstances, we will give you 2 months’ prior written notice.

14.2 You can terminate this agreement by emailing us on hello@paygoo.no. subject to conditions 12.4 and 13.

14.3 If you do not redeem your full balance within 6 years of your card’s expiry date, this agreement terminates.

15. General

15.1 By entering into this agreement you agree that we may use your information in accordance with the ‘How we use your information’ section of these terms and conditions, as set out in condition 18.

15.2 We may monitor and/or record telephone calls between you and us or service providers.

15.3 You must provide us with an email and postal address and phone number and let us know of any changes.

15.4 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.

15.5 We can delay enforcing its rights under this agreement without losing them.

15.6 If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.

15.7 This agreement is governed by the law of England and Wales. The language of this agreement is English, and all notices and information given under this agreement will be in English.

16. Payment services information

16.1 This condition 16 only applies if the supplier’s bank is located within the European Economic Area (EEA) and the payment services being carried out are transacted in Euro, or another currency of an EEA member state.

16.2 We will ensure that a transaction you make is credited to the supplier’s bank, or that returned funds following redemption or cancellation are credited to your bank within these timescales:

Type of Transaction	Timescale
Transaction carried out in a currency other than NOK or SEK Or Transaction involving more than one currency	By the end of the fourth business day following the day on which the transaction or order is received
Any other Transaction	By the end of the business day following the day on which the transaction order is received

16.3 If you use your card or provide your card details to a supplier to make a transaction before you know the amount which is going to be charged to your card, then you may be entitled to request a refund if the amount is unexpectedly large, provided that you tell Paygoo within eight weeks from the date the transaction is deducted from your balance but you will NOT be entitled to a refund if you have been told by us, or the supplier, of the amount of that transaction at least four weeks before the transaction is due to be deducted from your balance, and you consented to the transaction.

If you are able to make payments directly from your account to another person and if a payment you asked us to make within the EEA arrives later than it should have, you can ask us to contact the receiving bank and ask them to treat it as if it was made on time.

For card-based payment transactions where you do not know the exact amount of the payment transaction at the time you authorise it, we will not block funds on your payment instrument unless you authorise the exact amount to be blocked. This could be the case for payments you make at hotels or at fuel stations for example. We shall release any blocked funds without undue delay as soon as we are aware of the exact amount of the payment transaction and immediately after receipt of the relevant payment order.

16.4 On receipt of such a request under condition 16.3, we may require you to provide us with the information to ascertain whether the conditions in condition 16.3 have been met. Within 10 business days of receiving a request from you under condition 16.3 or of receiving any additional information required under this paragraph, we will provide a refund or justify why we are refusing the request.

16.5 We are liable for the correct execution of the transaction unless we can prove that the transaction was received by the supplier’s bank, in which case the supplier’s bank is liable to the supplier. You may request that we make immediate efforts to trace an incorrectly executed transaction and notifies you of the outcome.

16.6 When a supplier initiates a transaction it is the supplier’s bank which is liable for the correct transmission of the relevant details to us. If the supplier’s bank can prove that it is not responsible for a transaction which has failed or has been incorrectly executed, we will be responsible to you.

16.7 If we are responsible for an incorrect amount of a transaction being deducted from your balance, we will correct the error. If we are responsible for a transaction being deducted from your balance which you did not authorise, we will refund the amount of the transaction to your balance and treat the transaction as if it had never occurred. You must inform us of an unauthorised or incorrect transaction as soon as possible and in any event no later than 13 months after the debit date. If you do not do so, we may not be liable.

16.8 We are not liable if you incorrectly identify the supplier under a transaction. In such a case, we will make reasonable efforts to recover the funds involved - We may charge you a reasonable fee to cover our costs in doing this.

17. Complaints and how to contact us

17.1 If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please write to mail - Paygoo AS/AB, Dronning Eufemias gate 16, 0191 OSLO, mail – hello@paygoo.no. We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange, London, E14 9SR.

We will try to resolve any complaints you have about your payment instrument or the service we provide to you within 15 business days of receiving your complaint and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).

18. How we use your information

18.1 We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and verify your identity.

18.1.1 If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address.

18.2 Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by lenders other than the one that carried out the search. It is included on your credit report, so you know the search was made but does not affect your credit rating, or score, when you apply for credit.

18.3 If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

18.3.1 The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas. Please email us on hello@paygoo.no.

18.3.2 if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details. You have certain rights to receive a copy of any information we hold about you. Please write to: Paygoo AS/AB, Dronning Eufemias gate 16, 0191 OSLO, NORWAY or mail to help@paygoo.no. We may charge you for this service.

18.4 Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example:

18.4.1 to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, proposals and claims for all types of insurance, job applications and employee records, and to verify your identity.

18.4.2 The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018 / GDPR.

18.5 When you have an agreement with us, we may use the following types of information about you:

18.5.1 information you give us, or we already hold about you, including any phone number you call us from, which we may record;

18.5.2 information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies;

18.5.3 information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us, and 18.5.4 information we receive from anyone who is allowed to provide us with information about you.

18.6 We will process, use, manage, control, release and record information about you to:

18.6.1 search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account;

18.6.2 manage your accounts and policies, and manage any application, agreement or correspondence you may have with us;

18.6.3 carry out, monitor and analyse our business;

18.6.4 contact you by post, by phone or in another way about other products and services which we consider may interest you – unless you tell us that you prefer not to receive direct marketing;

18.6.5 fight fraud, money-laundering, terrorism and other crimes, and

18.6.6 keep to any laws or regulations in any country

18.7 We may reveal information about you:

18.7.1 to any person working for us or our co-brand partner

18.7.2 to fraud prevention agencies;

18.7.3 to any organisation which backs any of our products which you hold;

18.7.4 to any payment system under which we issue your card;

18.7.5 if a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the UK);

18.7.6 to any person to whom we transfer any of our rights or obligations under any agreement we may have with you, and

18.7.7 to anyone you authorise us to give information about you to.

18.8 Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible for making sure that your information continues to be protected.

18.9 We will keep information about you for only as long as we need to or is required to meet legal obligations (usually no more than 5 years after redemption or termination).

19. Summary box - charges

This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees, limits and restrictions that apply to each card are set out below.

Fee	Amount
Fee to purchase the card	99 NOK
Annual fee (deducted at initial activation and then once a year onwards)	95 NOK
Reload fee (added to each reload)	29 NOK
Fee for each card issued to an additional cardholder and any replacement card	125 NOK
Fee for redemption and termination	125 NOK
Service fee for retrieving PIN, check balance and get transaction overview	5 NOK
Fee to receive a paper copy statement (on request)	125 NOK

Transaction fees	Amount
Fee for purchases in the currency of the card	3 NOK
Service charge (commission) for purchases not in currency of card	4%

Cash withdrawal fees	Amount
Fee for ATM withdrawal in the currency of the card (ATM providers may raise addition charges)	1,5% of the amount + 15 NOK
Fee for ATM withdrawal in a currency other than the card (ATM providers may raise addition charges)	FX Fee (4%) + 1,5% of the amount + 15 NOK

Card limits - FDD profile	Amount
Maximum balance at any time	500.000 NOK
Maximum daily load	10.000 NOK
Maximum monthly load	45.000 NOK
Maximum annual load	360.000 NOK
Daily ATM withdrawal limit	2.000 NOK
Monthl ATM withdrawal limit	15.000 NOK
Annual ATM withdrawal limit	150.000 NOK
Maximum daily spending limit	50.000 NOK
Maximum monthly spending limit	100.000 NOK
Maximum annual spending limit	500.000 NOK

20. Contacting you in an emergency

We may need to contact you urgently if we suspect or find fraudulent activity has occurred on your account (provided we are not prohibited from doing so by law) or if we suffer a security threat. To do so, we may (for example) send you a text message instead of calling or emailing you, if we think this is the quickest way to contact you. When we contact you, we will also give you information on how you can minimise any risk to your payment instrument depending on the nature of the security threat.

We’ll use the same contact details which you have already provided us with when contacting you. You must inform us immediately if your personal details or contact information change.

21. International payments

If you have a payment instrument which allows you to make overseas payments, the way we treat payments made to payment service providers outside the European Economic Area (EEA) will change as will payments in non-EEA currencies to payment services providers within the EEA and unless stated otherwise, your terms and conditions will apply equally to such payment transactions.

You'll no longer be able to pay charges for anyone you're making a payment to within the EEA (regardless of the currency of the transfer). The European Economic Area (EEA) includes all the member states of the European Union, Iceland, Norway and Liechtenstein.