The Gift2Go Visa Gift Card is a prepaid card that lets
you shop at millions of locations that accept Visa debit cards. Since this Gift Card is a
prepaid card, your spending is limited to the amount of money placed on the Gift Card
by the purchaser. Each time you use your Gift Card, the total dollar amount of your
purchase and any fees will be automatically deducted from the value of the Gift Card.
At the time you make a purchase with your Gift Card, give your Gift Card to the
cashier. You will be asked to sign the receipt. If using a keypad, swipe the Gift Card
through the keypad and push the "credit" (or "cancel") button, then sign the purchase
receipt. NOTE: Your Gift Card does not come with a PIN. DO NOT PUSH "DEBIT"
OR YOUR PURCHASE WILL BE DECLINED.
Yes. The Gift Card has no
value until it is activated by the cashier at the time of purchase. Sign the back of
your Gift Card before using it for the first time to help ensure that it cannot be used
by anyone else. You should also write down your Gift Card number and keep it in a
separate place, just in case it is lost or stolen. It's also a good idea to know your Gift
Card's balance, because most merchants will not be able to check your balance for
you.
Knowing your balance before you shop will help assure that
your Gift Card is accepted. You can check your balance twenty-four (24) hours a day,
seven (7) days a week for free at www.gift2go.net or by calling 1-800-675-7984.
What fees will apply? It's important to use your Gift Card promptly, because a
Monthly Maintenance Fee of $2.50 per month beginning on the first (1st) day of the
thirteenth (13th) month from the day of purchase will be applied to any remaining
balance, except where prohibited by law. Some other fees may apply as well. For
a complete list of applicable fees, see the "Fee Schedule" section of the Cardholder
Agreement for further details.
Please call us right away at 1-800-675-7984
so that we can cancel your Gift Card, verify the information you provide and issue you
a replacement Gift Card. Please keep your Gift Card number in a safe place - you will
need it for Gift Card replacement. There is a $5.00 Card Replacement/Lost Stolen Fee,
subject to applicable law.
Yes. Your Gift Card can be used to make online
purchases, except with web merchants that require address verification. Please see the
"Using Your Card/Features" section of the Cardholder Agreement for further details.
No. Once the value of the Gift Card has been
depleted, the Gift Card is no longer valid and should be cut in half and discarded.
However, we recommend that you retain your Gift Card at least until you are sure that
you do not intend to return any purchased merchandise.
Terms and Conditions/Definitions for the Gift2Go Visaź Gift Card: This document
constitutes the agreement ("Agreement") outlining the terms and conditions under
which the Gift2Go Visa Gift Card has been issued to you. By accepting and using
the Card, you agree to be bound by the terms and conditions contained in this
Agreement. "Card" means the Gift2Go Visa Gift Card issued to you by Silverton
Bank, N.A. "Issuer" means Silverton Bank, N.A. Silverton Bank, N.A. is an FDIC
insured member institution. IDT Financial Services LLC ("IDT") is an Independent
Sales Organization ("ISO") pursuant to an agreement with Silverton Bank, N.A. IDT
acts as the Gift2Go Visa Gift Card program management company and administers all
operations. "Card Account" means the records we maintain to account for the value
of claims associated with the Card. "You" and "your" mean the person or persons
who have received the Card and are authorized to use the Card as provided for in
this Agreement. "We," "us," and "our" mean Silverton Bank, N.A., our successors,
affiliates or assignees. You acknowledge and agree that the value available in the Card
Account is limited to the funds that you have loaded into the Card Account, or have
been loaded into the Card Account on your behalf. You agree to sign the back of the
Card immediately upon receipt. The expiration date of the Card is identified on the
front of your Card. The Card is a prepaid card. The Card is not connected in any way
to any other account. The Card is not a credit card. The Card is not for resale. You
will not receive any interest on your funds in the Card Account. The Card will remain
the property of Silverton Bank, N.A. and must be surrendered upon demand. The Card
is nontransferable and it may be canceled, repossessed or revoked at any time without
prior notice, subject to applicable law. Our business days are Monday through Friday,
excluding federal holidays, even if we are open. Write down your Card number and
the customer service phone number provided in this Agreement on a separate piece
of paper in case your Card is lost, stolen, or destroyed. Please read this Agreement
carefully and keep it for future reference.
Authorized Users:
You are responsible for all authorized transactions initiated and
fees incurred by use of your Card. If you permit another person to have access to
your Card or Card number, we will treat this as if you have authorized such use and
you will be liable for all transactions and fees incurred by those persons. You are
wholly responsible for the use of each Card according to the terms and conditions of
this Agreement.
Secondary Cardholder:
You may not request an additional Card for another person.
Personal Identification Number:
You will not receive a Personal Identification Number ("PIN") with your Card.
Cash Access:
You may not use your Card to obtain cash from an Automated Teller
Machine ("ATM"), Point-of-Sale ("POS") device, or by any other means. You may
not use your Card at an ATM.
Loading Your Card:
Additional funds may not be added to your Card, called "value
loading." Your Card is non-reloadable.
Using Your Card/Features:
The maximum amount that can be spent on your Card
per day is $500.00. The maximum value of your Card is restricted to $500.00.
You may use your Card to purchase or lease goods or services wherever Visa debit
cards are accepted as long as you do not exceed the value available on your Card
Account. Some merchants do not allow cardholders to conduct split transactions
where you would use the Card as partial payment for goods and services and pay the
remainder of the balance with another form of legal tender.
If you use your Card at an automated fuel dispenser ("pay at the pump"), the
merchant may preauthorize the transaction amount up to $75 or more. If your Card
is declined, even though you have sufficient funds available, pay for your purchase
inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental
purchase, or for similar purchases, the merchant may preauthorize the transaction
amount for the purchase amount plus up to 20% or more to ensure there are sufficient
funds available to cover tips or incidental expenses incurred. Any preauthorization
amount will place a "hold" on your available funds until the merchant sends us the
final payment amount of your purchase. Once the final payment amount is received,
the preauthorization amount on hold will be removed. It may take up to seven (7) days
for the hold to be removed. During the hold period, you will not have access to the
preauthorized amount.
If you use your Card number without presenting your Card (such as for a mail
order, Internet or telephone purchase), the legal effect will be the same as if you
used the Card itself. For security reasons, we may limit the amount or number of
transactions you can make on your Card. Your Card cannot be redeemed for cash.
You may not use your Card for online gambling or any illegal transaction
Each time you use your Card, you authorize us to reduce the value available in
your Card Account by the amount of the transaction and any applicable fees. You
are not allowed to exceed the available amount in your Card Account, through an
individual transaction or a series of transactions. Nevertheless, if a transaction exceeds
the balance of the funds available on your Card you shall remain fully liable to us for
the amount of the transaction and any applicable fees.
You do not have the right to stop payment on any purchase or payment transaction
originated by use of your Card. You may not make preauthorized regular payments
from your Card Account. If you authorize a transaction and then fail to make a
purchase of that item as planned, the approval may result in a hold for that amount of
funds for up to thirty (30) days. All transactions relating to car rentals may result in a
hold for that amount of funds for up to sixty (60) days.
Your Card can be used to make online purchases. Please keep in mind, however,
that attempting to use your Card at websites that require address verification may result
in a decline since, for security purposes, a web merchant may want to associate your
Card with your name and address, which it will not be able to do.
Returns and Refunds:
If you are entitled to a refund for any reason for goods or
services obtained with your Card, you agree to accept credits to your Card for such
refunds and agree to the refund policy of that merchant. If you have a problem with
a purchase that you made with your Card, or if you have a dispute with the merchant,
you must handle it directly with the merchant.
Charges Made In Foreign Currencies:
If you make a purchase in a currency other
than the currency in which your Card was issued, the amount deducted from your
funds will be converted by Visa U.S.A. Inc. into an amount in the currency of your
Card. The exchange rate between the transaction currency and the billing currency
used for processing international transactions is a rate selected by Visa U.S.A. Inc.
from the range of rates available in wholesale currency markets for the applicable
central processing date, which may vary from the rate Visa U.S.A. Inc. itself receives,
or the government-mandated rate in effect for the applicable central processing date.
If you make a purchase in a currency other than the currency in which your Card
was issued, the Issuer may assess a foreign currency conversion fee of 2% of the
transaction amount and will retain this amount as compensation for its services.
Receipts:
You should get a receipt at the time you make a transaction using your Card.
You agree to retain, verify, and reconcile your transactions and receipts.
Card Account Balance/Periodic Statements:
You are responsible for keeping
track of your Card Account available balance. Merchants generally will not be able
to determine your available balance. It's important to know your available balance
before making any transaction. You may access your available balance by accessing
your Card Account online or by calling 1-800-675-7984, anytime, twenty-four (24)
hours a day, seven (7) days a week for free. Statements in electronic format will
be made available free of charge by visiting www.gift2go.net during each month in
which a transaction occurs. You will not automatically receive paper statements. You
may choose to have a paper statement mailed to you by contacting us each time at
1-800-675-7984. However, there is a fee for this service.
Fee Schedule:
All fee amounts may be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except
where prohibited by law. Anytime your remaining Card Account balance is less than
the fee amount being assessed, the balance of your Card Account will be applied to
the fee amount. The Card Fee, charged by the retailer, and shown on the packaging,
has been paid by the purchaser of this Card. The Card Fee is a fee assessed by the
individual retailer only, and is not assessed by the Issuer.
- Monthly Maintenance Fee. A Monthly Maintenance Fee of $2.50 per
month beginning on the first (1st) day of the thirteenth (13th) month from
the day of purchase will be applied to any remaining balance, except where
prohibited by law. If we send you a replacement Card for a lost, stolen, or
damaged Card, the initial twelve (12) month period is still tracked from the
date your original Card was purchased.
- Card Replacement/Lost Stolen Fee. A $5.00 Card Replacement/Lost
Stolen Fee will be deducted from your available funds to replace a lost,
stolen, or damaged Card or to reissue a Card to transfer a balance from a
Card in which the expiration date has passed.
- Foreign Currency Fee. There are fees associated with purchases made in
a currency other than the currency in which your Card was issued. See the
"Charges Made In Foreign Currencies" section for further details.
- Paper Statement Fee. While you can keep track of the amount of available
funds on your Card by visiting www.gift2go.net or by calling customer
service at 1-800-675-7984 anytime, twenty-four (24) hours a day, seven (7)
days a week for free, a $5.00 Paper Statement Fee will be deducted from
your available funds for each monthly paper statement requested. See the
"Card Account Balance /Periodic Statements" section for further details.
Expiration Date:
Your Card has an expiration date. The expiration date is simply
required to ensure that the Card can be used at merchants that request and/or require
customers to provide an "expiration date" during the transaction process. You will
not be able to use your Card after the expiration date, but you are able to transfer the
balance on your Card to a newly issued Card if you contact us within sixty (60) days
of such expiration date at the customer service telephone number in this Agreement.
There will be a $5.00 Card Replacement/Lost Stolen Fee, subject to applicable law.
If you do not contact us within that sixty (60) day period, the Card Account will be
closed. Any remaining balance will be handled in accordance with applicable law.
This fee schedule is effective as of 06/01/2008 and is subject to change upon notice in
accordance with applicable law.
Confidentiality:
We may disclose information to third parties about your Card or the transactions you make:
- Where it is necessary for completing transactions;
- In order to verify the existence and condition of your Card for a third party, such as merchant;
- In order to comply with government agency, court order, or other legal reporting requirements;
- If you give us your written permission; or
- To our employees, auditors, affiliates, service providers, or attorneys as needed.
Our Liability for Failure to Complete Transactions:
If we do not properly complete
a transaction from your Card on time or in the correct amount according to our
Agreement with you, we will be liable for your losses or damages. However, there are
some exceptions. We will not be liable, for instance:
- If through no fault of ours, you do not have enough funds available on your
Card to complete the transaction;
- If there is a hold or your funds are subject to legal process or other
encumbrance restricting their use;
- If a merchant refuses to accept your Card;
- If an electronic terminal where you are making a transaction does not
operate properly, and you knew about the problem when you initiated the
transaction;
- If access to your Card has been blocked after you reported your Card lost or
stolen;
- If we have reason to believe the requested transaction is unauthorized;
- If circumstances beyond our control (such as fire, flood, or computer or
communication failure) prevent the completion of the transaction, despite
reasonable precautions that we have taken; or
- Any other exception stated in our Agreement with you.
Your Liability for Unauthorized Transactions:
Contact us at once if you believe
your Card has been lost or stolen. Telephoning is the best way to minimize your
possible losses. If you believe your Card has been lost or stolen, or that someone has
transferred or may transfer money from your Card Account without your permission,
call us toll free at 1-800-675-7984. Under Visa U.S.A. Operating Regulations, your
liability for unauthorized Visa transactions on your Card Account is $0 if you notify
us promptly and you are not grossly negligent or fraudulent in the handling of your
Card. If you notify us within two (2) business days, you can lose no more than $50 if
someone used your Card without your permission. If you do not notify us within two
(2) business days after you learn of the loss or theft of your Card and we can prove that
we could have stopped someone from using your Card without your permission if you
had promptly notified us, you could lose as much as $500.
Also, if you become aware of and/or your statement shows transactions that you did
not make, notify us at once. If you do not notify us within sixty (60) days after you
become aware of the transaction and/or after the statement was made available to you,
you may not get back any value you lost after the sixty (60) days if we can prove that
we could have stopped someone from taking the value if you had notified us in time
or you are grossly negligent or fraudulent in the handling of your Card. If your Card
has been lost or stolen, we will close your Card Account to keep your losses down. In
order to conduct a complete investigation, you may need to provide a signed affidavit.
If a replacement Card is issued, it may take up to thirty (30) days to reissue the Card.
Other Terms:
Your Card and your obligations under this Agreement may not be
assigned. We may transfer our rights under this Agreement. Use of your Card is
subject to all applicable rules and customs of any clearinghouse or other association
involved in transactions. We do not waive our rights by delaying or failing to exercise
them at anytime. If any provision of this Agreement shall be determined to be invalid
or unenforceable under any rule, law, or regulation of any governmental agency, local,
state, or federal, the validity or enforceability of any other provision of this Agreement
shall not be affected. This Agreement will be governed by the law of the State of
Georgia except to the extent governed by federal law.
Amendment and Card Cancellation:
We may amend or change the terms and
conditions of this Agreement at any time. You will be notified of any change in the
manner provided by applicable law prior to the effective date of the change. However,
if the change is made for security purposes, we can implement such change without
prior notice. We may cancel or suspend your Card or this Agreement at any time.
You may cancel this Agreement by returning the Card to us. Your termination of
this Agreement will not affect any of our rights or your obligations arising under this
Agreement prior to termination.
Information About Your Right to Dispute Errors:
In case of errors or questions
about your electronic transactions, call 1-800-675-7984, or write to IDT Financial
Services LLC, 520 Broad Street, Newark, NJ, 07102 if you think your statement or
receipt is wrong or if you need more information about a transaction listed on the
statement or receipt. You must contact us no later than sixty (60) days after the FIRST
statement was made available to you on which the problem or error appeared.
- Provide your name and Card number (if any).
- Describe the error or the transaction you are unsure about, and explain why
you believe it is an error or why you need more information.
- Provide the dollar amount of the suspected error.
If you provide this information orally, we may require that you send your complaint or
question in writing within ten (10) business days. We will determine whether an error
occurred within ten (10) business days after we hear from you and will correct any
error promptly. If we need more time, however, we may take up to forty-five (45) days
to investigate your complaint or question. If we decide to do this, we will credit your
Card within ten (10) business days for the amount you think is in error, so that you
will have the use of the money during the time it takes to complete the investigation.
If we ask you to put your complaint or question in writing and you do not provide it
within ten (10) business days, we may not credit your Card. For errors involving new
Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety
(90) days to investigate your complaint or question. We will tell you the results within
three (3) business days after completing the investigation. If we decide that there was
no error, we will send you a written explanation. Copies of the documents used in the
investigation may be obtained by contacting us at the phone number or address listed
at the beginning of this section.
Escheatment Card Accounts that are inactive for a period of time may be considered
to be dormant and are subject to escheat. Each state has varying laws as to when a
Card Account is subject to escheat and when the Issuer is required to send the funds to
the state of the last known address. If applicable, we will make all reasonable efforts
to contact you before transferring your Card Account(s) to an applicable state. For
Card Accounts with international addresses or without an address, the funds will be
escheated to the state of Georgia.
English Language Controls:
Any translation of this Agreement is provided for your
convenience. The meanings of terms, conditions and representations herein are subject
to definitions and interpretations in the English language. Any translation provided
may not accurately represent the information in the original English.
Customer Service:
For customer service or additional information regarding your Card, please contact us at:
IDT Financial Services LLC
520 Broad Street
Newark, NJ 07102
1-800-675-7984
Revised: 05/2008
©2008 All rights reserved. The name "Gift2Go" is a registered service mark of IDT Financial Services LLC
