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Visa Gift Card Terms and Conditions

IMPORTANT : Please read these Terms and Conditions as they form the agreement for the purchase and use of the Gift Card. If you are under 18 years you should let a parent or guardian review them. Purchase and/or use of this Gift Card by you will be acceptance of these Terms and Conditions.

1. Your Gift Card
  • 1.1 Your Gift Card can be purchased in amounts of £25 and £50.
  • 1.2 The purchase of the Gift Card is subject to a non-refundable fee which is payable in addition to the value of the Gift Card.
  • 1.3 Please sign the Gift Card on the reverse before you use it. If you intend giving the Gift Card to someone else that person must sign it.
  • 1.4 Your Gift Card is a prepaid debit card and not a credit or store card. No interest is paid on any balance on the Gift Card.
  • 1.5 You cannot:
    • (a) load additional funds onto your Gift Card;
    • (b) purchase more than 5 Gift Cards at one time;or
    • (c) purchase more than £2,000 worth of Gift Cards or other gift cards issued by us in any 12 month period.
  • 1.6 Your Gift Card can only be used for 24 months from the date it is purchased and its use will then expire. The Expiry Date printed
    on the Gift Card is a security feature only.
  • 1.7 To obtain a refund of the balance on the Gift Card see section 6 below.
  • 1.8 The Gift Card is our property and we reserve the right to suspend or cancel the Gift Card (see section 6.3 below).
  • 1.9 We will debit the available funds with an annual fee during the 11th and 23rd months following the purchase of the Gift Card. If the
    available funds are less than the fee we will waive any balance.
  • 1.10 All fees for the purchase and use of your Gift Card are set out in the table below.
  • 1.11 If you give this Gift Card to another person as a gift please ensure that they are given these Terms and Conditions.
2. Using your Gift Card
  • 2.1 The value of the Gift Card will be available to you following purchase.
  • 2.2 You can use your Gift Card to pay for transactions at retailers who accept Visa debit cards in the United Kingdom up to the amount of the available funds.
  • 2.3 The Gift Card cannot be used to withdraw cash from an ATM, bank or building society; to obtain cash-back from a retailer; for adult entertainment; or for gambling transactions.
  • 2.4 You must not use the Gift Card for any illegal purpose.
  • 2.5 Each transaction requires electronic authorisation when you use it and the available funds will be immediately reduced by the value of the transaction and once authorised you cannot stop the transaction. If there are insufficient available funds the transaction will be declined.
  • 2.6 The use by you of the Gift Card will be treated as authorised if you ask a retailer to take it in payment and follow the instructions of the retailer to authorise the transaction (which may include signing a sales voucher or providing other information about the Gift Card).
  • 2.7 If the Gift Card is used at some retailers (such as restaurants and bars) they may add an additional percentage to allow for a service charge and check the available balance before you authorise the final amount. Mail order and internet sites may add a charge for delivery of any goods purchased.
  • 2.8 Your Gift Card cannot be used at an automated fuel pump but you will normally be able to use your Gift Card by presenting it to an attendant.
  • 2.9 We do not recommend using the Gift Card to pre-book services such as hotels and car hire companies, as they may pre-authorise an estimated amount of the final bill. This amount will be temporarily unavailable to you for a period of time.
  • 2.10 If you wish to use your Gift Card for a purchase greater than the available balance on your Gift Card you must tell the retailer to charge only up to the maximum available balance on the Gift Card and pay the remaining balance by some other means otherwise the transaction may be declined.
  • 2.11 We will not send you paper statements but your transaction details are available by calling Customer Services or, if you register the Gift Card, are available at www.gospendit.co.uk
3. Registration
  • 3.1 You will need to register your Gift Card before you can:
    • (a) buy goods or services on the web or by telephone;
    • (b) see a history of your transactions at www.gospendit.co.uk and print a statement.
  • 3.2 Registration can be done at www.gospendit.co.uk free of charge or by calling a Customer Services Representative.
  • 3.3 When registering your Gift Card you will be asked to provide some personal information.
  • 3.4 You should memorise the passwords used to access your Gift Card account at www.gospendit.co.uk and not disclose these to anyone.
  • 3.5 We may ask you at any time to provide us with additional information to confirm your identity and address for fraud prevention and anti-money laundering purposes.
  • 3.6 If you intend giving this Gift Card to another person as a present, it is that person who should register their details.
4. Available funds
  • 4.1 You can check the available funds at any time by calling Customer Services or, if you have registered your Gift Card, by visiting our web site at www.gospendit.co.uk.
  • 4.2 If for any reason a transaction is processed for an amount which is more than the available funds you agree to repay the excess to us on request.
5. Lost or Stolen Gift Cards
  • 5.1 If you lose your gift card and do not report it as lost or stolen you will lose the available funds in the same way as cash in a wallet.
  • 5.2 If you have registered your Gift Card and it is lost or stolen log on to your account at www.gospendit.co.uk
  • 5.3 If you have not registered your Gift Card or cannot access your Gift Card account call Customer Services to report its loss to stop further transactions
  • 5.4 If you report a Gift Card lost or stolen you can redeem any available funds (see section 6 below) but you will be liable for any transactions up until the time you report the loss.
6. Ending the use of your Gift Card and redemption of available funds
  • 6.1 The agreement between you and us for the Gift Card begins on the date when you purchased the Gift Card and ends on the date your Gift Card expires (see section 1.6).
  • 6.2 You will not be able to use the Gift Card once it has expired or there are no available funds (i.e. the Gift Card has reached a zero balance).
  • 6.3 We may suspend or cancel the Gift Card or decline a transaction if:
    • (a) you breach these terms and conditions;
    • (b) we suspect any unlawful or fraudulent use of the Gift Card; or
    • (c) we are required to do so by the law and, if you have registered your Gift Card, we will tell you as soon as possible unless it is unlawful for us to do so.
  • 6.4 You may cancel the Gift Card before it expires and redeem any available funds Gift Card (see sections 6.6 and 6.7).
  • 6.5 If your Gift Card is cancelled or expires, any available funds can still be redeemed unless we have reasonable grounds for believing you (or someone with your consent) have acted fraudulently or we are required to withhold payment by law.
  • 6.6 To redeem the available funds call Customer Services or write to us. If your Gift Card has expired you must make your claim within 6 years of the expiry date and after this period you will lose any balance.
  • 6.7 When redeeming any balance on your Gift Card we may ask you to provide some information about the Gift Card and about yourself. We may verify any information given to us with a third party.
  • 6.8 Any funds redeemed will be paid in sterling by personal cheque in your name or by direct transfer to your bank or building society in the United Kingdom following completion of our procedures.
  • 6.9 If you redeem the Gift Card and any further transactions are found to have taken place we reserve the right to claim these back from you.
7. Liability
  • 7.1 You will be liable to us for all losses which we suffer as a result of the misuse or fraudulent use of your Gift Card by you or by someone with your consent.
  • 7.2 We will not be liable to you for any losses you suffer due to :
    • (a) anything beyond our reasonable control;
    • (b) any malfunction of the Gift Card where this is not within our reasonable control;
    • (c) use of the Gift Card in breach of these Terms and Conditions;
    • (d) any retailer refusing or being unable to accept the Gift Card; or
    • (e) the goods or services purchased with the Gift Card.
  • 7.3 Nothing in these terms and conditions will limit our liability for any loss which we are expressly prevented from excluding by law.
8. Your personal information
  • 8.1 If we collect any personal information (including IP addresses, telephone numbers and transactions) from you when providing the Gift Card or any related services:
    • (a) we will take all reasonable precautions to keep this information secure
    • (b) it will only be used for the purposes of fulfilling our obligations;
    • (c) it will only be disclosed to third parties to the extent necessary to operate the Gift Card or if we are required to disclose the information by law;
    • (d) it may be processed outside of the European Economic Area by our service providers who are re required to adequately safeguard this information;
    • (e) we may use it in connection with any misuse of the Gift Card; and
    • (f) it may be disclosed to any person to whom we transfer our rights under these terms and conditions.
  • 8.2 If you would like a copy of any personal information we hold, please contact The Data Controller at PO BOX 7018, London W1A 7DB. We may charge a fee for providing this information.
  • 8.3 For security and training purposes all telephone calls may be recorded and/or monitored.
9. Disputed Transactions
  • 9.1 If there has been an error in a transaction you must notify us as soon as you become aware of this and, in any event, not later than 13 months after date of the disputed transaction. You can do this by calling a Customer Services Representatives or by writing to us.
  • 9.2 If we re-credit a transaction and subsequently find it was authorised by you or has been fraudulent, we may recover the value of the transaction from you.
10. Complaints
  • 10.1 If you have any complaint or are unhappy about the Gift Card, please contact a Customer Services Representative or write to us. We will try and resolve any problems as quickly as possible in accordance with our complaints policy (available on request or from www.gospendit.co.uk). We may ask for additional information from you in writing before dealing with the complaint.
  • 10.2 If any complaint made to us is not resolved to your satisfaction, you may be able to take this to the Financial Ombudsman Services at South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0800 023 4567 or 0300 123 9123 or e-mail complaint.info@financial-ombudsman.org.uk.
11. Compensation
  • The Gift Card is an electronic money product and is not covered by the Financial Services Compensation Scheme and there is no other compensation scheme available in the unlikely event that we are unable to meet any claim for funds held on a Gift Card.
12. Changes to these terms and conditions
  • 12.1 We reserve the right to change these terms and conditions to take into account any changes in the law or any regulation.
  • 12.2 We will give you at least 60 days notice of any changes we make to the terms and conditions, which will be made available at www.gospendit.co.uk.
  • 12.3 If we make any changes to the Gift Card and you do not tell us these are not acceptable you will be deemed to have agreed to them. If you notify us that the changes are unacceptable we will cancel the Gift Card and redeem the available balance (see section 6.4 above).
13. General provisions
  • 13.1 We may transfer our obligations under these terms and conditions to a third party provided that they comply with all our obligations.
  • 13.2 These terms and conditions do not give you any rights against VISA Europe or any of its affiliated companies.
  • 13.3 All communications about the Gift Card will be done in English.
  • 13.4 These terms and conditions will be governed by law and the courts of the place where you purchased the Gift Card.
  • 13.5 Copies of the Terms and Conditions of the Gift Card are available at www.gospendit.co.uk
14. Fees and charges
  • Our fees and charges are as follows:
  • Card Issue Fee £25 Gift Card - £2.95
    £50 Gift Card - £3.95
    Web Registration Free
    Balance Enquiry (web) Free
    Annual Fee £3 per annum
    Calls to Customer Services Calls cost up to 10p per minute from BT landlines, mobile and other provider’s charges may vary.
15. What is meant by the following terms
  • available funds means the value of any funds available on your Gift Card at any one time to be spent or to pay any fees or charges.
  • Gift Card means the VISA Gift Card issued by us.
  • transaction means any payment made by you to purchase goods or services using your Gift Card from a retailer who accepts VISA debit cards.
  • we, us, our means Blackhawk Network (UK) Limited, which issues the Gift Card and whose head office is at 50 Great Marlborough Street, London W1F 7JS.
  • you, your means the purchaser of the Gift Card or, if given to someone else, that person

  • Contacting us:
    Our Customer Services can be contacted by:
    Telephone on 0870 820 0284
    Writing to Customer Services at Blackhawk Network (UK) Limited,
    PO BOX 7018, London W1A 7DB
    Customer Services are available by an automated telephone service 24 hours a day and our
    Customer Services Representatives are available between 8am and 8pm Monday to Friday.
  • Blackhawk Network (UK) Limited is registered in England under company number 05802971 and its registered office is c/o Kemp Little LLP, Cheapside House, 138 Cheapside, London EC2V 6BJ, England.
  • Blackhawk Network (UK) Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number is 900023) for the issuing of electronic money.