Notification of Change in Reward Card T&Cs – effective November 2017
With effect from November 2017 the following change is being made to our Terms & Conditions
- The maximum liability for a lost or stolen card that you will be responsible for has reduced from £50 to £35.
The One4All Gift Card is available in sterling (£) only. The Card is not a credit card or a charge card; nor is it a debit card linked to a current account. It is a prepaid card which means that money must be loaded onto the Card at the time of purchase. Once one Business Day has elapsed from the date of purchase, cardholders can use the Card to pay for purchases at Participating Retailers. The Card is issued by GVS Prepaid Limited and is subject to these terms and conditions.
Certain limits apply to the Card. A maximum value of £400 may be loaded onto the Card at the time of purchase; the minimum load value is £10. Only full £1 amounts (or multiples thereof) may be loaded onto the Card. Additional amounts may not be loaded onto the Card at any time. Interest will not be payable in respect of Card balances.
“Agreement” means the agreement between you, us and GVS, which includes these terms and conditions.
“Business Day” means any day from Monday to Friday excluding UK bank holidays.
“Card” means the One4All Gift Card, a prepaid card denominated in sterling, or any replacement card which we issue to you from time to time.
“Card Purchase” means any transaction whereby the Card is used as payment for goods and/or services at Participating Retailers.
“Gift Voucher Shop” or “GVS” means The Gift Voucher Shop Limited, a company having its registered office at 4 The Merlin Centre, Acrewood Way, St. Albans, Herts, AL4 0JY.
“GVS Prepaid”, “We” (or “we”) or “us” means GVS Prepaid Limited whose registered office is at 4 The Merlin Centre, Acrewood Way, St Albans, AL4 0JY, and any business or other person to whom any or all of our rights and responsibilities under this Agreement may be transferred or delegated.
“Participating Retailer” means a supplier of goods and/or services in the UK which has agreed to accept the Card as payment for goods and/or services. A list of participating retailers can be found on the One4all website.
“Programme Partner” means a corporate body or organisation that purchased the One4all Gift Card.
“Valid thru” means the period within which the physical Card is operational and ends on the Valid Thru date. (A replacement Card will be required to use any funds remaining on the card after this date.)
“Website” means the One4all website www.one4all.com
“You” (or “you”) and “Your” (or “your”) means the person who purchased the Card or the person in possession of the Card from time to time who has been gifted the Card by the purchaser.
For lost or stolen cards – 0370 085 4141
For balance enquiries – visit the Website or call 0330 828 0881
For queries or disputes relating to previous transactions – 0370 085 4141
To redeem the balance on your card – 0370 085 4141
2.1 The use of the Card is subject to the terms of this Agreement as may be varied by us from time to time. The current version of the terms and conditions is available on the Website. Purchase and Usage of the Card constitutes your acceptance of these terms and conditions.
2.2 The Card will not be personalised; meaning the cardholders name will not be printed on the card. The Card is transferable by delivery. We will assume, unless and until you tell us to the contrary, that the person who uses the Card at any time is the rightful user of the Card.
2.3 The Card will normally be available for use within one Business Day from the date of purchase; the Card may not be used in the intervening period.
2.4 Please record your Card number or retain the purchase receipt as proof of purchase; the Card number will be needed to redeem your Card balance or if your Card is lost or stolen (see Clauses 10 and 11 of these terms and conditions).
2.5 You may use the Card, in accordance with any instructions issued by us from time to time, until the Card balance reaches zero, at which point this Agreement will automatically terminate and your right to use the Card for Card Purchases will cease.
2.6 You may request repayment of any credit balance outstanding on the Card by calling GVS on 0870 085 4141. A Redemption Fee may be applied in accordance with Clauses 6 and 10.
2.7 The Card belongs to us. It must be returned to us (cut in half vertically) immediately upon request. We or any person acting on our behalf (including GVS) may retain the Card at any time without notice to you.
3. FUNDS PROTECTION
3.1 The One4all Gift Card is an electronic money product and is issued by GVS Prepaid. GVS Prepaid keeps all money exchanged for the One4all Gift Card in a bank account which is separate and segregated from the assets of GVS Prepaid. This means, in the unlikely event of GVS Prepaid becoming insolvent your money is protected and will be available for return to card holders.
3.2 The Financial Services Compensation Scheme does not cover claims made in connection with the issuing of electronic money
4. PROTECTING YOUR CARD
4.1 You must:
(a) treat the Card as if it were cash
(b) take all reasonable care and precaution in the custody of the Card and ensure that the Card is not lost, mislaid or stolen
(c) keep your transaction receipts safe and dispose of them carefully and
(d) never give your Card number or any other Card information to anyone unless you know who they are and why they need such information.
4.2 We recommend that you protect your Card from scratches and exposure to magnets which may damage the Card and result in it not being readable when presented at a retailer as a form of payment.
5. USING YOUR CARD
5.1 The Card may only be used in Participating Retailers. The up to date list of Participating Retailers is available on the website; the list of Participating Retailers may change from time to time.
5.2 We will debit the amount of all Card Purchases to the Card, at the time that the transaction takes place. You must not use the Card to spend more than the Card balance at any time. If you attempt to spend more than the Card balance your transaction may be declined.
5.3 You cannot stop a Card Purchase after it has been authorised. To authorise a purchase you must sign a receipt for each Card Purchase; the amount of the Card Purchase must be confirmed with the Participating Retailer at the time of authorisation.
5.4 We will not issue statements. You can obtain your Card balance or obtain information about previous Card Purchases by logging onto the website or calling GVS on 0330 828 0881. You are responsible for monitoring your Card balance and for ensuring that there are sufficient funds on the Card at all times to pay for Card Purchases. The up to date Card balance and any recent Card transactions will be available to view the same day. You can print out the transaction history for your records.
5.5 If at any time you believe that a Card Purchase has been incorrectly debited to your Card you must notify GVS immediately by calling 0370 085 4141 and in any event within thirteen months of the date of the Card Purchase. If requested, you must put your query in writing. We will investigate the transaction and, if appropriate, reinstate the balance on your Card on completion of our investigation if the transaction is found to be fraudulent, unauthorised and completed without any negligence on your part.
5.6 If the amount of a purchase which you wish to make using your Card is greater than the available balance, you can pay the difference in cash or by another payment method.
5.7 Your card does not expire. You will see a ‘Valid Thru’ date on the front of your card. This will be used as the expiry date when shopping online. If you have funds remaining on the card at this valid thru date, you should contact us and we will reissue a new card to you. Please note that while your card does not expire a monthly inactive balance charge will be applied if any funds remain on your card 18 months after its date of purchase. See section 6 below.
5.8 Neither GVS Prepaid nor GVS will be liable for any defects in any goods or services paid for using the Card. Any queries or complaints about such goods or services should be addressed to the relevant Participating Retailer(s).
6. FEES AND CHARGES
6.1 The amounts of fees and details of when they will be payable are set out in the table below. The Postage and Packing Fee must be paid separately at the time of purchase of the Card. All other fees will be debited directly to the Card as they arise and will be payable to the Gift Voucher Shop Limited.
Inactive Balance Charge
6.2 A monthly inactive balance charge of £0.90 (or the credit balance on the Card, if lower) will be charged after the Card has been in issue for 18 months. This charge will start to be applied from the following month and will continue until such time as the balance on the card is zero and this Agreement is terminated.
Fees & Charges Table
Postage and Packing Fee (for internet Card Purchases)
£0.99 fee per purchase transaction, regardless of the number of Cards purchased
Redemption Fee (this fee applies where the customer contacts GVS to redeem the Card in accordance with Clauses 2.6 and 10).
£7.50 fee per card or the balance on the Card, if lower
Card Replacement Fee (if the Card is lost, or stolen and we issue a replacement card at your request)
£5 fee per Card
Inactive Balance Charge
(This charge will not be applied during the first 18 months following issue of the Card. Thereafter, the charge will be applied monthly until such times as the balance on the card is zero and this Agreement is terminated)
£0.90 charge per month, or remaining balance on card if lower.
7.1 We reserve the right at all times to introduce new terms and conditions and/or to vary or amend the existing terms and conditions by giving you two months’ notice thereof on the Website or by whatever means we, in accordance with applicable legislation, deem appropriate at that time, in which circumstances you shall be free to terminate this Agreement. In such circumstances the Redemption Fee will not apply. In the absence of any prior notice to the contrary, you will be deemed to have accepted such revised terms and conditions with effect from their notified effective date.
7.2 We reserve the right at all times to vary any and/or all applicable fees and charges by giving you two months’ notice thereof by whatever means we, in accordance with applicable legislation, deem appropriate, save where the variation is to your benefit in which circumstances we may implement such variation with immediate effect and notify you thereafter.
8. RESTRICTIONS ON USE OF THE CARD
8.1 The following Card limits will apply:
Minimum Load Amount £10
Maximum Load Amount £400
The amount you pay onto the Card must be in multiples of £1.
8.2 We may, at our reasonable discretion and without prior notice to you, restrict the use or operation of the Card in circumstances where:
• you are in breach of this Agreement
• we have reasonable grounds to suspect unauthorised use of the Card, fraud, theft or dishonesty; or
• we have any legal, regulatory or other objectively justifiable reason.
In such circumstances, we will be entitled to take such steps as we consider reasonably necessary to:
• block the use or operation of the Card;
• refuse to allow or authorise a Card Purchase;
• suspend, restrict or terminate your right to use the Card;
• withdraw the Card; or
• refuse to replace the Card.
Where the Card is blocked, and you believe it may be because of the circumstances above please contact us on 0370 0854141 and we will advise you as to how the block may be removed.
8.3 You must not use the Card:
(a) after any notification of its withdrawal is given to you
(b) once the Card balance reaches zero
(c) as payment for any illegal purchase.
9. RESTRICTED TRANSACTIONS
9.1 The Card can be used for Card Purchases in the UK only; the Card may not be used abroad.
9.2 The Card cannot be used in automated teller machines (“ATMs”) to obtain cash.
9.3 The Card may be used to purchase goods or services by telephone or online from selected Participating Retailers in the UK.
10.1 You may at any time request repayment of the remaining credit balance on the Card by calling GVS on 0370 085 4141 and quoting your Card number. You must not use your Card after you ask us to repay the balance to you. In order to allow any outstanding Card Purchases to clear, GVS will refund the balance to you by bank transfer to your nominated bank account, minus any fees within seven Business Days of such a request. The Redemption Fee set out in Clause 6 will apply.
10.2 If you wish to redeem the balance you may be required to submit documentation to us for purposes of identification in accordance with our customer due diligence process.
10.3 If you received this card from a corporation/business (including a third party), GVS reserves the right to notify the corporation of the redemption request.
10.4 If you received this card from or via a Programme Partner, GVS reserves the right to notify the Programme Partner of the redemption request.
11. THEFT, LOSS OR MISUSE OF CARD
11.1 You should treat the Card as if it were cash. If the Card is lost, stolen, damaged or fails to operate correctly or if the Card number becomes known to any unauthorised person you must immediately notify Customer Services (details below). You must quote the Card number; if you do not quote the Card number we will not be able to cancel the Card or issue a replacement Card. If your notification is made orally it must be confirmed in writing within fourteen Business Days. Notification should be made to:
Gift Voucher Shop
PO Box 52796
London EC1P 1ZA
Telephone: 0370 085 4141
11.2. Provided that you have not acted fraudulently or without reasonable care you will remain liable for any debit to the Card by the unauthorised use of the lost or stolen Card, subject to a limit of £50. If you have acted fraudulently, or without reasonable care you may be liable for the entire loss.
11.3 Following notification under Clause 11.1 , if there is a credit balance on the Card at the time the Card is reported lost or stolen, we will cancel the original Card and GVS will send a replacement Card to you (with the appropriate credit loaded on to the replacement Card) at the address nominated by you. We can not issue a replacement Card if you do not tell us the Card number. To allow for the processing of any pending Card Purchases, we will wait seven Business Days prior to issuing any replacement Card. A fee will be payable to GVS for any replacement Card in accordance with Clause 6 above; the amount of this fee will be deducted from the Card balance.
11.4 If you subsequently find the original Card, you must notify GVS immediately. You must not use the original Card.
12. PARTICIPATING RETAILERS
12.1 It will be necessary in all cases for a Participating Retailer to obtain authorisation from us or our agents to honour the Card for a particular Card Purchase; this is to ensure that there are sufficient funds on the Card. We may refuse to authorise a Card Purchase at any time if there are insufficient funds on the Card.
12.2 A Participating Retailer may not be able to obtain authorisation from us in some circumstances (for example, if there is a problem with the phone line between the Participating Retailer’s premises and our authorisation centre). If this happens neither GVS Prepaid nor GVS will be responsible if you are unable to use the Card for a particular Card Purchase. Furthermore, neither GVS Prepaid nor GVS will be liable for the refusal of any Participating Retailer to accept or honour the Card for any reason.
12.3 If a Participating Retailer becomes liable to make a refund to you we will not credit the amount of any refund to the Card; refunds are a matter between you and the relevant Participating Retailer.
12.4 For purchases online please retain you card as Participating Retailers may make refunds onto the card used for the initial payment should it be necessary.
12.5 The list of retailers may change from time to time and retailers listed may withdraw from the programme at any time. A list of currently participating retailers is available on the Website
13.1 GVS Prepaid will not be liable for any delay or failure in performing any of its obligations in respect of the use of the Card where such delay or failure occurs because of any circumstances beyond GVS Prepaid’s reasonable control.
13.2 The accounts and records kept by GVS Prepaid or on its behalf shall, in the absence of an obvious error, constitute sufficient evidence of any facts or events relied upon by GVS Prepaid in connection with any Card Purchase or matter or dealing in relation to the Card.
13.3 GVS Prepaid may disclose details of the Card to GVS and to any person acting as its agent in connection with the use or issue of the Card.
13.4 This Agreement shall be governed by and interpreted in accordance with English law.
13.5 All communications under this Agreement will be in English.
13.6 GVS Prepaid and/or GVS may record or monitor phone calls with you for training purposes, to enable instructions to be verified and to assess whether our service standards are being met.
13.7 GVS Prepaid may transfer to any other person any or all of its rights and/or obligations under this Agreement. GVS Prepaid may do this without telling you but your legal rights will not be affected and your obligations will not be increased as a result. Any person to whom you transfer or give the Card will also be subject to these terms and conditions.
If you are not satisfied with any aspect of the service offered, please contact Customer Services on 0370 085 4141 or write to Customer Services at
Gift Voucher Shop Limited,
PO Box 52796,
They will be pleased to help and explain the complaints procedure in more detail. A copy of the complaints procedure is available upon request. GVS Prepaid and GVS will try and resolve your complaint as soon as possible. Often however, the complaint will need to be investigated. If this is the case, GVS will write to you within 5 Business Days to acknowledge receipt of your complaint and tell you how long it might be before your complaint is resolved. If your complaint cannot be resolved, you may refer it to the Financial Ombudsman Service (the “FOS”). The FOS is an independent body. You can contact the FOS at
Financial Ombudsman Service
Telephone 0800 023 4567 or 0300 123 9123
If we have not been able to resolve your complaint to your satisfaction AND you have bought our product or services online:
The European Commission has established an online dispute resolution platform (ODR platform) which is specifically designed to help customers resident in the European Union who have been unable to resolve a complaint with traders established in the European Union from which they purchased goods or services online. You can submit your complaint online through the ODR platform in any of the official languages of the European Union. The platform will then send your complaint to the Financial Ombudsman Service for an independent review within 90 days.
You can access the ODR platform here at http://ec.europa.eu/odr
You will need our email address (firstname.lastname@example.org), our website address (www.one4all.com) and our location, The Gift Voucher Shop, PO Box 52796, London, EC1P 1ZA)
The One4all gift card is issued by GVS Prepaid Limited. GVS Prepaid Limited is incorporated in England with limited liability. Registered Office; 4 The Merlin Centre, Acrewood Way, St Albans, Herts, AL4 0JY.
Effective from December 2016
GVS Prepaid Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 [register ref 900230] for the issuing of electronic money.
One4all Personalise My Card
For full Terms & Conditions on the One4all Personalise My Card product sold online please visit the T&CS section on One4allgiftcard.co.uk
One4all Reward Card
For full Terms & Conditions on the One4all Reward Card product sold online please visit the T&CS section on One4allrewards.co.uk