Terms | Notion

These Terms form a legal agreement between you and Green Tech Code (“we”, “us”) and govern the services we provide in connection with the card programme (the “Card Services”). The payment account and payment card themselves are provided to you by Wallester AS, as payment service provider, under separate Payment Account and Card Terms and Conditions agreed directly between you and Wallester. These Terms do not govern that separate agreement. For all matters relating to the issuance and use of the Card and the operation of the payment account, the Payment Account and Card Terms and Conditions apply.

By requesting for issuance of, or using the Card, you confirm and agree that you understand, accept and shall comply with these Terms and you agree that the issuance of the Card to you is subject to you being successfully identified by us in accordance with the policy and procedures notified to you at the time of issuance of the Card.

The Card is non-transferable, and it may be cancelled, repossessed, or revoked at any time without prior notice, subject to applicable law.

Definitions and Interpretation.
1. In these Terms, the following terms shall have the following meanings:
  1. “Additional Terms” means the specific terms and conditions which apply to particular types of Cards as described herein and the User Guide for such Card as provided.
  2. “ATM” means automated teller machine.
  3. “Available Funds” means the available credit balance in the Card that is available for utilisation or withdrawal, as reduced by any transaction amounts which have been reserved, blocked, are pending or have otherwise not been processed or released.
  4. “Base Currency” means the currency in which the Card is issued and billed, and any Transaction performed by you in a currency not available on the Card will be converted into the Base Currency, as per available exchange rate.
  5. “Card” means each card (whether physical or virtual card) made available to you under the card programme, whether with or without your name being printed or embossed on the. We may offer different types of Cards which may be subject to Additional Terms and Conditions.
  6. “Card Number” means the unique sixteen-digit number printed or embossed on the face or reverse of the Card.
  7. “Card Services” means any services provided by us, our third party service providers, or the Programme Manager, in connection with the Card, including call centre services.
  8. “Charges” means amounts (including any fees or charges) payable by you arising from usage of the Card under these Terms and includes, without limitation all transactions fees, service charges, additional expenses, damages, legal costs and disbursements as set out.
  9. “E-commerce website” means internet websites where merchant accepts the Card for purchase of goods and services.
  10. “Identification Checks” means checks carried out in order to obtain, verify and record information that identifies each person who purchases or loads funds on to a Card. We may ask you for your name, address, date of birth and other information, directly or indirectly that will allow us to reasonably identify you. We will ask to see your passport and/or other identifying documents where required. The activation of the Card is subject to successful verification of your identity by us.
  11. “Issuer” means Wallester AS, the licensed payment service provider.
  12. “Limit” means the limit set by us for usage on the Card for cash withdrawal or purchase of goods and services, subject to the Available Funds. We may change the set limit on the Card at any time at our sole discretion.
  13. “Load” means to add money to the Card, and ‘Loaded’ and ‘Loading’ will be construed accordingly.
  14. “Merchant” means any establishment, corporate entity, person or other virtual establishment, supplying goods and/or services, which accepts/honours the Card as a mode of payment.
  15. “PIN” means a unique Personal Identification Number allocated to each Card.
  16. “Prohibited Activities” means and shall include but not limited to;
    1. Any transaction related to drugs or for products or services associated directly or indirectly related to sale or manufacturing of drugs,
    2. Any transaction related to Pyramid selling,
    3. Any transaction related to Escort agencies, massage parlours and sexual services,
    4. Any transaction related to independent financial advisors, payday loans, and unsecure loans or lines originating from non-insured banks,
    5. Any transaction related to counterfeit goods that may infringe the intellectual property of any kind in any jurisdiction,
    6. Any transaction related to weapons, ammunitions, military arms, explosive devises and firearms parts,
    7. Any transaction related to products/services that promote hate, violence, discrimination, terrorism, harassment or abuse,
    8. Any transaction related to gambling or gambling services in any jurisdictions,
    9. Any transaction related to illegal products/services or any service providing peripheral support of illegal activities,
    10. Any transaction related to adult website or adult products or services,
    11. Any transaction related to mail order spouse and international match-making services,
    12. Any transaction related to social media click farms,
    13. Any transaction to a charity, foundation or trust. The above list can be updated any time at our sole discretion without providing any advance notice and it shall be effective immediately or from the date mentioned in any official communication.
  17. “POS Terminal” means an electronic terminal available at Merchants whether local or international, capable of processing Transactions.
  18. “Programme Manager” means the party appointed by us to provide Card Services, support to Service Locations and such other services as determined by us.
  19. “Replacement Card” means a substitute Card which may be issued to you in the event of loss or theft of your Card.
  20. “Service Location” means any participating branch or authorised distributor or a corporate entity’s touch point from which Cards can be issued or loaded.
  21. “Shortfall” occurs in certain circumstances when the Available Funds and/or in the case of multi-currency Card a particular currency drops below zero (0).
  22. “Supplementary Card” means each additional Card issued to you which is linked to your primary Card as may be allowed by us from time to time.
  23. “Supplementary Technology” means any technologies or devices that we may introduce for use together with, or as a replacement for, your Card and which may include without limitation, wristbands and mobile wallets.
  24. “Transaction” means transactions made by using the Card, whether with or without use of the Card Number, PIN or signature, and regardless of whether any slip or other voucher was signed by you and includes any cash withdrawal made available by us or the amount charged (or otherwise debited to the Card) by us or a Merchant for any goods, service or benefit (whether or not such service was utilised by you) obtained by the use of the Card, the Card Number or the PIN or in any other manner, including mail, telephone, facsimile or internet orders.
  25. “$” and “USD” means United States Dollars.
  26. “€” and “Euro” means the Euro currency of the European Union.
  27. “User Guide” means the user guide which applies to the Card issued to you that provides you with detailed information regarding managing your Card, topping up your funds, limits and fees and the applicable terms and conditions for your Card. Soft copy of the User Guide will be provided to you at the time of Card issuance and is subject to change from time to time. We will make the latest version of the User Guide available on the applicable website identified in the User Guide.
  28. “Wallet” means a currency wallet on each multicurrency Card which will comprise Available Funds in Base Currency or any other currency as made available through our Card Services. Each currency will be assigned to a Wallet on your Card.
  29. “We”, “us”, “our” means Green Tech Code or any of its branches, subsidiaries or its successors, assigns, the Programme Manager or agents (where the context permits).
  30. “Working Day” means any day of the week, excluding Saturdays and Sundays and statutory holidays in Ireland.
  31. “You”, “your” means the cardholder of the Card or the person to whom the Card is issued.
2. We may partner with third parties with respect to the issuance, management or distribution of Cards. All references to ‘we’, ‘us’ or ‘our’ herein shall, where required, be construed to include the Programme Manager or agents appointed by us.
3. Any references to ‘Card’ also include any Supplementary Card and/or Replacement Card, and/or any Supplementary Technology deployed by us for use with your Card where appropriate.
The Card.
1. The Card is a payment card which allows you to access the Available Funds. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have with us or any other bank.
2. The Card is not a credit card and you will not earn profit on any Available Funds on the Card.
3. Your Card will be issued to you on the basis of the required information that you have provided, based on the type of Card issued, and you agree to provide accurate personal information and to advise us of any changes as soon as possible so that our records remain correct. You should update any changes to your personal information by following the instructions in the User Guide or as we may notify you from time to time.
4. Various limits may apply to the Card in respect of each Transaction or daily transacted amounts. Please check the User Guide.
5. Your use of the Card for making any Transaction shall constitute an agreement by you to pay any and all fees, commission, and charges on such Transaction as prescribed by us from time to time. You confirm that you have read and agreed to the terms set out in the User Guide including fees, commission and charges, for usage of the Card for any Transaction. The Card is provided to you subject to our schedule of fees, charges and limits as amended and notified to you.
6. As the applicant you are responsible for all Cards issued to you under the Agreement and for any fees or charges that these Cards may incur.
7. We may at our sole discretion restrict /withdraw any number of Cards that relate to you.
8. The Card is and will at all times, remain property of the Issuer and must be returned to us otherwise dealt with as we or the Issuer instruct, immediately upon request.
Using the Card.
1. You may only use the Card in accordance with the Agreement and we have the right to restrict the services/facilities provided pursuant to the issue/usage of the Card at our sole discretion and terms.
2. Subject to sufficient Available Funds and any restrictions in the Agreement, the Card can be used worldwide at ATMs, POS Terminals or E-commerce website or any card operated machine or device, whether belonging to us or other participating banks or financial institutions where logos appearing on the Card are displayed/ accepted and any other services so authorised on the Card by us. The Card may also be used at any Merchant location that accepts the Transaction for processing or displays the logo appearing on the Card. The Card may be used for retail purchases, cash withdrawals, purchase of goods and services via the internet, telephone, facsimile and mail order or for any other services approved by us or provided for in the User Guide, for transaction values not exceeding the Limit (subject always to sufficient Available Funds) from time to time.
3. The Available Funds will be reduced by the full amount of each Transaction plus any applicable Charges.
4. Due to restrictions, the Card may not operate in some countries and may not be accepted at some Merchant locations which are not in compliance with either our internal policies or regulatory requirements as determined at our sole discretion.
5. Merchants that accept the Card are required to seek authorisation through any appointed payment processor for all Transactions that you make and we cannot stop a transaction once authorised. Some Merchants may not be able to authorise your Transaction if they cannot obtain an online authorisation.
6. There are circumstances, when using the Card at certain Merchants, where you may be required to have Available Funds greater than the value of the transaction you wish to make. This amount will be reserved to cover tips/gratuities, temporarily reducing the balance available on the Card. This is required as the Merchant may need to access more funds than you initially planned to spend, however, you will only be charged for the actual and final amount of the transaction you make.
7. We do not recommend using the Card as:
  1. a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as Merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend; or as
  2. an arrangement for periodic billing, as any debits to the Card as a result of such arrangements will be considered to have been authorised by you.
8. The Card is only for your use and expires on the date on the front of the Card and may be extended for a limited period subject to the terms of the User Guide.
9. The Card may also expire before the expiry date or validity period as mentioned on the Card if it is not used for any Transaction within the period mentioned in the User Guide. Where provided for in the User Guide your Card may be subject to a periodic maintenance fee which will be applied in accordance with the User Guide. Unless otherwise specified the periodic maintenance fee will apply until the balance of the Card is zero (0), unless you have used your Card for loads, reloads or transactions during the period mentioned in the User Guide. The periodic maintenance fee shall be deducted from the Available Funds and for the avoidance of doubt will apply regardless of whether the Card has been used for Transactions.
10. You agree not to use the Card in any manner that could damage, disable, overburden, or impair the Card. You also agree not to use the Card for money transfers, accessing or purchasing goods from adult or gambling locations or internet sites, or for any other unlawful or Prohibited Activity.
11. You must comply with all applicable laws and regulations (including any foreign exchange controls) in respect of the Card in the Ireland, Estonia and the country of use. We reserve the right to suspend the Card, freeze available balance on the Card, terminate the Agreement and exercise any other remedies available to us, in accordance with applicable laws and regulations, due to your failure to comply with any part of this provision. You agree that we have no obligation to monitor, review or evaluate the legality of your Transactions and that such actions shall be your sole responsibility. We are not liable for any prohibited use or misuse of the Card whatsoever.
12. The Card can only be used if it is in credit and you are solely responsible for ensuring that there are sufficient Available Funds for an intended Transaction. If, for any reason whatsoever, an intended Transaction causes the Card to be debited in excess of the Available Funds (whether by use of the Card or towards any fees or charges), we have the sole discretion to approve or reject the Transaction. If such Transaction is approved, you shall be responsible for immediately compensating us for the Shortfall. A Shortfall fee may be payable in the event a Shortfall rises as reasonably decided by us from time to time.
13. We are entitled to set off any sum of money on the Card due from you to us against any positive balance on any other card held by you with us.
14. Any usage of the Card inconsistent or in contravention with the usage described in the Agreement is not permitted.
15. If you are entitled to a refund for goods or services purchased using the Card, or another credit for any other reason, such refund or credit will be made to the Card, in the applicable currency thereby increasing the Available Funds.
16. Our record of any Transaction shall be final and binding. You will not be provided with a printed statement, and can check your Available Funds following the process described in the User Guide. You may also be able to make a balance enquiry at some ATMs and through the website as mentioned in the User Guide, although availability is dependent on the country and the ATM used and there may be a fee payable (to the ATM operator) for balance enquiries. It is your responsibility to keep track of the Available Funds. You acknowledge that the amount stated on the ATM screen or a printed slip or receipt advice shall not for any purpose whatsoever be taken as a conclusive or up to date statement of the Card.
17. You acknowledge that the available balance in the Card may be different from the balance amount as displayed through any channel, due to pending Transactions or other blocked amounts (being amounts transacted but not processed) relevant to the Card.
Loading and Re-loading.
1. The Card can be loaded at any Service Location, selected distributor or alternate channel made available by us.
2. Until the expiry of the Card or termination of the Agreement, and where the User Guide permits, you can add additional funds to the Available Funds through a Service Location (who will advise you of the acceptable methods of payment) or through other methods made available by us from time to time, subject to certain limits and fees.
3. Unless stated otherwise the Loaded amounts will be credited to the Available Funds when the Issuer receives such amounts directly or indirectly through the permitted channels.
4. You agree to present the Card and meet identification requirements as may be required from time to time to complete the Load. If the identification verification is not successful, you will not have access to the funds on the Card, and will not be allowed to Load the Card.
5. If the Load amount exceeds the maximum balance permitted by us from time to time, then at our discretion such excess amounts shall either not be Loaded, or we will have the right to not allow such excess amount to be available for Transactions.
6. The Service Location is authorised to withhold any Load and will not release the funds in relation to such Load, if the Service Location has reasonable grounds to believe that such funds are from suspicious, illegal or illegitimate sources. The Service Location will contact you for further information and such other necessary proof (to our satisfaction) on the source of such Loads. If we are not satisfied with such information or proof, we are authorised to surrender such amounts, without further notice to you, to the relevant law enforcement authorities for further investigation and/or legal action.
7. You give us irrevocable authorisation to request that the issuer recover any funds erroneously loaded or credited to your Card. If an authorised reload to your Card has an error or if you require additional information, you must contact us immediately through the channels provided in the User Guide or the Service Location.
Keeping your Card and PIN secure.
1. You must sign the back of the Card as soon as you receive it.
2. You must do all that you reasonably can to keep the Card safe and the PIN and other security details secret and safe at all times and not disclose them to any third party. You must memorise the PIN.
3. You must never;
4. We will never ask you to reveal any PIN.
5. The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please contact us for assistance. There may be a twenty-four (24) hour delay in reactivating your PIN, and we may not be able to reactivate the PIN whilst you are abroad. If the PIN is disabled, or if a Merchant does not accept chip and PIN, you will be required to sign for any transactions at Merchants, provided that this is supported by and acceptable to the Merchant.
6. You must promptly notify us of any loss or theft of the Card or PIN. We will suspend the Card to prevent further use. If a lost Card is subsequently found, it must not be used unless we confirm it may be used. We will not be liable for any misuse of the Card or unauthorised withdrawal arising out of the loss, theft or misuse of the Card or the PIN.
7. You will be required to confirm details of any loss, theft or misuse to us in writing and you must assist us, the police and any other official investigation authority in any enquiries.
8. We may refuse to approve a Transaction and/or suspend the Card, with or without notice, if we think the Card has been or is likely to be misused or if you have breached the Agreement, including if we suspect any illegal use of the Card. If we do suspend the Card, we will inform you of our decision, unless such disclosure is prohibited by law or would otherwise compromise fraud prevention or security measures.
Unauthorised transactions.
Fees and Limits. This section describes fees and programme-level limits that relate to our Card Services. Fees and limits applied by the Issuer in relation to the Card and payment account are set out in the Payment Account and Card Terms and Conditions and/or the Issuer’s price list.
Foreign Currency Transactions.
Supplementary Technologies.
Redeeming Unspent Funds.
Ending the Agreement.
Changing the terms.
Personal Data.
Liability. This clause 14 limits our liability only in respect of our Card Services and our role as programme partner. It does not limit or exclude any responsibility of the Issuer or any rights you may have under the Payment Account and Card Terms and Conditions in relation to the Card and payment account.
Disclaimers.
Communication and Notices.
General Provisions.