12779 CP T&Cs x5 Cards DUAL 420x210:12779 Cashplus T&Cs x5 Cards 7/2/08 13:55 Page 1

TERMS AND CONDITIONS APPLICABLE TO ALL ACCOUNTS

DEFINITIONS correct. If our investigations discover that the disputed transaction was genuine and authorised by you or your
"Account" means the prepaid account established by us in your name; additional cardholder, we will charge you £12.00.
"Account Opening Date" means the date on which you open your Account by paying your Card Issue Fee and, if 10. ADVISING CHANGES OF NAME, ADDRESS OR CONTACT DETAILS
applicable, your first Monthly Fee or, if you have purchased a Registration Pack, the date on which you register 10.1 It is your responsibility to notify us within 14 days of any changes to your or any additional cardholder's name, address and
("Registration Date"); any other applicable contact details such as e-mail address or contact telephone number so that our records are accurate,
"APS" means Advanced Payment Solutions Limited; complete and up to date. You will be liable for any loss or fraud that directly results from any failure to advise us.
"AFL" means APS Financial Limited; 10.2 You can notify Customer Services of any such change.
"ATM Card" means the card you receive from a Retail Outlet when you open your Account, which is temporary (until your 11. ACCOUNT CLOSURE AND YOUR RIGHT TO CANCEL
Prepaid MasterCard® Card arrives); 11.1 You have the right to withdraw from this agreement without cause and without penalty for a period of 14 days from
"Barcode Letter" means the letter you receive when you apply online and opt to pay at the Post Office; the Account Opening Date or, if you bought a Registration Pack, the date on which you submitted your Registration
"BBL"means Broadcastle Bank Limited; Code. Please note, this will not entitle you to a refund of any transactions you have made or charges
made in respect of foreign currency transactions. To cancel your Account within the 14 day period you need
"Card" means either the ATM card or the accompanying Prepaid MasterCard Card;
to write to Customer Services enclosing proof of purchase (if you bought a Registration pack) and, if a Card has been
"Convenience Outlet" means an outlet which sells the Registration Packs; issued, return the Card, cut in half. To close your Account at any other time you need to write to Customer Services and
"EPay Outlet" means an outlet which sells EVouchers; return the Card cut in half. See our website or contact us for more details.
"EVoucher" means an electronic device used to put funds onto an Account; 11.2 After the 14 day period you are liable for all transactions and fees on your Account until we receive your written notice
"Prepaid MasterCard Card" means the permanent Prepaid MasterCard Card issued to you to run your Account; and your Card, including any additional Cards. Following receipt of your Card(s) we will wait 15 days for transactions
"PIN" means the unique personal identification number which we provide to you to authorise transactions and to withdraw to be processed. Once all transactions and fees have been deducted, any balance on your Account will be returned to
cash from an ATM; you subject to you having provided satisfactory confirmation of your identity and address. A cancellation fee will apply
(see Fees Summary). As this process may take up to 30 days you may prefer to withdraw funds by ATM or by making
"Registration Pack" or "Pack" means the pack received from a Convenience Outlet containing a Registration Code;
purchases at a MasterCard outlet.
"Registration Code" means the number that must be provided online to complete the account opening process;
11.3 If your Account has had no transactions for a period of at least one year and it has a zero balance, we reserve the right
"Retail Outlet" means an outlet which sells the Prepaid MasterCard Card and issues an ATM Card; to close your Account. Before we close your Account we will contact you to advise that we will do this.
"Top-up", "Load" or "Reload" means to add money to your Account; 11.4 If your Account is misused, or we suspect misuse of your Account, we reserve the right to close your Account without
"We", "Us" or "Our" means AFL, or APS acting on its behalf; further notice.
"You" or "Your" means the individual holding the Account. 12. PROTECTING YOUR PERSONAL DATA
Contact us by: Web: see the web address printed on the reverse of your Card or in the brochure provided with your Card. 12.1 We are the data controller of personal data given to us in connection with your Account.
Post: Customer Services, PO Box 466, Salford, M50 2XU. Telephone: using the telephone number provided on one of the 12.2 We will process and retain personal data in order to open, administer and run your Account and to deal with any
following: your Barcode Letter (if applicable); the letter provided with your Card; the brochure provided with your Card; the enquiries you have about it.
website. Calls to a 0871 number will be charged at 10p per minute from BT landlines. Calls will be charged to the nearest 12.3 If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any
second and may be recorded. Calls from other networks or from outside the UK may cost more. Please contact your service other relevant information.
provider for details. For information regarding balance, last transactions or account status only Text to 07797 800601. Each
12.4 If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies
text costs your usual network tariff plus 25p which will be charged to your mobile phone.
to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention
1. FEES AND CHARGES agencies may be used can be obtained by contacting Customer Services.
All Fees and Charges relating to the Card are detailed in the Fees Summary below. These Fees and Charges form an 12.5 APS is the data controller of personal data that it collects for marketing purposes. APS may use third parties to process
integral part of these Terms and Conditions. personal data on its behalf.
2. APPLYING FOR A PREPAID MASTERCARD CARD 12.6 Personal data may also be transferred confidentially to other organisations within AFL, BBL, the APS group of companies
2.1 To apply for a Prepaid MasterCard Card you must be at least 18 years old. and third parties so that we can run your Account.
2.2 We will require proof of your identity and address. We will seek to obtain these either electronically or by you providing 12.7 We may check all personal information given by you with fraud prevention agencies and other organisations, and we
us with at least two satisfactory forms of documentation. Please see our website or contact us for more details. may get information about you from credit reference agencies to verify your identity. A record of such enquiries may be
2.3 You may apply for some of our Prepaid MasterCard Cards online or by phone. If you opt to have the cash access and left on your file.
cash sharing facilities on your account we will need to verify your identity as set out in 2.2 above. 12.8 If you agreed when you applied for your Card, APS or third parties may contact you about offers they believe will be of
2.4 If you have a Registration Pack, to open your Account you will need to visit the website detailed in the Registration Pack interest to you. If you no longer wish to receive these updates please contact Customer Services. For details of the
and follow the on screen instructions. To complete the process you will require your Registration Code. You must register information we may pass to third parties, please contact us.
within 365 days of purchasing the Registration Pack. 12.9 If you would like details of the third parties with which we share information about you please contact Customer Services.
2.5 To open your Account you will need to pay the relevant Card Issue Fee (not applicable for Registration Packs) and, where 12.10 You have the right, on payment of a fee, to receive details of the personal data we hold about you. Please contact
applicable, your first Monthly Fee. By opening your Account you are agreeing to these Terms and Conditions. Customer Services.
2.6 We reserve the right to refuse to issue or activate a Prepaid MasterCard Card. 13. LIABILITY
3. ACTIVATING YOUR PREPAID MASTERCARD CARD ACCOUNT 13.1 If something which we are not reasonably able to control, including but not limited to defects relating to the Card or
3.1 On activation of your Prepaid MasterCard Card, where applicable, you must destroy your ATM card Registration Pack, stops or delays us from doing something we are supposed to do under these Terms and Conditions,
by cutting it in half. we will not be responsible for any loss which you may suffer.
3.2 We reserve the right to terminate this agreement immediately if you do not activate your Prepaid MasterCard Card 13.2 If you are affected by something which is our fault, we will only be responsible for the loss you suffer as a direct result
within 28 days of the Account Opening Date or Registration Date or we suspect you or any additional cardholder have up to a maximum of the balance on your Account and not for any other loss (for example, loss of reputation).
given false information or are involved in fraudulent or criminal activities. 13.3 If you have acted fraudulently you will be responsible for all losses on your Account. If you act without reasonable care
4. TOPPING UP YOUR ACCOUNT and this causes losses, you may be responsible for them.
4.1 If we have not verified your identity and address, the maximum you can pay into your Account is £1,500* in the year 13.4 Provided you have not acted fraudulently or without reasonable care, you will not be liable for any transactions or fees
after you open your account. If we have verified your identity and address, your maximum Account balance at any one incurred on your Account if: (a) your Card is used before you have received it, or (b) someone else uses your Card before
time must not exceed £5,000*. you report it lost or stolen.
4.2 Details of how you can top-up are available on our website and in the brochure provided with your Prepaid 13.5 In the event that you do not use your Card in accordance with these Terms and Conditions or we find that you are using
MasterCard Card. We reserve the right to decline any top-ups and alter the minimum and maximum top-ups from time the Card fraudulently we reserve the right to charge you for any reasonable costs that we incur in taking action to stop
to time. See our website for the latest information. you using this Card and to recover any monies owed as a result of your activities.
4.3 Funds topped-up to your Account at Retail Outlets, e-pay Outlets and by EVoucher will usually be available in 13.6 We accept no responsibility or liability for the goods or services that you purchase with your Card or for any product or
minutes, funds topped-up at the Post Office will usually be available the next business day but may take two or more service discounts arising from the purchase of your card.
business days. 13.7 We accept no responsibility or liability for a merchant refusing to honour a transaction on your Card or failing to cancel
4.4 Fully verified Prepaid MasterCard Cards require a minimum cumulative annual load of £150*. If you do not meet the an authorisation.
minimum load we may not issue you with a replacement Prepaid MasterCard Card.4.5 Funds in your Account will not 13.8 From time to time your ability to use your Card may be interrupted, e.g. when we carry out maintenance, for which we
earn interest. will incur no liability. If this happens, you may be unable (a) to use your Card to pay for purchases or obtain cash from
5. MAKING WITHDRAWALS FROM YOUR ACCOUNT ATMs, (b) to top-up your Account, and/or (c) to obtain information about the funds available in your Account and/or
5.1 If you have opted to have cash withdrawal facilities, you can use your Card with your PIN to withdraw cash from ATMs about your recent Card transactions. Please notify Customer Services if you have any problems using your Card.
and at bank counters. A withdrawal fee will apply (see Fees Summary). You may also be subject to any applicable fees, 13.9 The Financial Services Compensation Scheme is not applicable for this Card. No other compensation
surcharges, rules and regulations of the relevant ATM, or other financial institution or association. It is your responsibility schemes exist to cover losses claimed in connection with this Card. This means that in the unlikely
to check any additional fees or surcharges prior to processing your transaction. The maximum combined amount you event that AFL or BBL becomes insolvent your funds may become valueless and unusable and as a
may withdraw per day via ATM and at bank counters is £500* though lower limits may apply. The purchase of travellers result you may lose your money.
cheques, foreign currency, and similar items is included in this limit. 13.9i The funds on AFL issued accounts are held in trust by Royal Bank of Scotland, 5-10 Great Tower Street, London,
5.2 Unless we have verified your identity and address, the maximum individual purchase you can make is £600*. EC3P 3HX.
5.3 Subject to the above, you can always use your Prepaid MasterCard Card to purchase goods and services from retailers 13.10 If you purchase your Card using a debit card and your Account subsequently goes overdrawn you authorise us to claim
subject to there being sufficient funds available in your Account and the merchant being able to obtain verification the amount of the overdraft from your debit card.
online. From time to time we may impose controls on the use of your Prepaid MasterCard Card in specific market 14. WHO IS RUNNING MY CARD ACCOUNT?
sectors. See our website or the brochure provided with your Prepaid MasterCard Card for full details. Your Card is issued by AFL or BBL who are authorised and regulated as e-money issuers in the UK by the Financial
5.4 If you wish to apply to use your Prepaid MasterCard Card for car hire you must contact Customer Services who will Services Authority. (www.fsa.gov.uk/register). AFL’s Company number: 06029941. BBL’s Company number: 0542018.
advise whether this facility can be made available to you. Your Card will be operated on their behalf by APS. Company number 04947027. APS and AFL registered offices are
5.5 If you use your Card to make a purchase or, where applicable, a cash withdrawal in a currency other than pounds situated at 6th Floor, One London Wall, London, EC2Y 5EB. BBL registered office is situated at Sefton Park, Bells Hill,
sterling, the transaction will be converted to pounds sterling at the exchange rate applicable at that time. A fee may Stoke Poges, Buckinghamshire, SL2 4JS.
apply (see Fees Summary). 15. WHAT HAPPENS WHEN YOUR PREPAID MASTERCARD CARD EXPIRES?
5.6 You must not spend more money than you have on the account. Any attempt to do so may result in criminal and/or 15.1 We will automatically send you a replacement Prepaid MasterCard Card up to 30 days prior to the expiry date of your
civil action being taken against you. current Prepaid MasterCard Card. If you do not receive your replacement Prepaid MasterCard Card please contact
6. REQUESTING ADDITIONAL CARDHOLDERS Customer Services.
6.1 If you opt for additional cardholder facilities, all additional cardholders must be at least thirteen (13) years old. 15.2 We reserve the right to decline to issue a replacement Prepaid MasterCard Card.
6.2 You will be charged a fee for all additional Prepaid MasterCard Cards issued (see Fees Summary). 15.3 We will charge you, on or after the date of issue of your replacement Prepaid MasterCard Card, the Annual Fee for your
6.3 You will be responsible for the use of the additional Prepaid MasterCard Cards and for any applicable fees or charges Account (see Fees Summary).
that the additional cardholders may incur. You can cancel the use of an additional Prepaid MasterCard Card on your 15.4 We will renew your Prepaid MasterCard Card on the same pricing plan as the expiring Prepaid MasterCard Card.
Account at any time by contacting Customer Services. 15.5 You will be charged a cancellation fee in the event that you request a refund of the remaining funds on your Account
6.4 We will not disclose your Account information to the additional cardholder without prior written permission from you. once your Prepaid MasterCard Card has expired (see Fees Summary).
6.5 The use of their Prepaid MasterCard Card by an additional cardholder will be regarded as confirmation that they accept 16. HOW WILL YOU KNOW ABOUT ANY CHANGES TO THESE TERMS AND CONDITIONS?
these Terms and Conditions. We may change these Terms and Conditions. All changes, including changes to the figures in 4.1, 4.4, 5.1 & 5.2 marked
7. KEEPING YOUR CARD, PIN AND REGISTRATION PACK SAFE (*) above, will be posted on our website. If we make any other material changes we will notify you by post at least 30
7.1 Using your Card and PIN will be the primary way for you to take money out of your Account. days in advance, except in exceptional circumstances. If you are significantly disadvantaged by any such change you
may cancel your Card or Registration Pack in accordance with our refund policy (see section 12). In such circumstances
7.2 You must keep your PIN safe, this means:
you will not be charged a Cancellation fee.
• when you receive your PIN, you must memorise it;
17. WHAT LAW APPLIES?
• you must keep your PIN and make sure that additional cardholders also keep their PIN secret at all times;
17.1 English law applies to these Terms and Conditions and English courts will deal with any legal proceedings between us.
• you must not disclose your PIN to anyone including friends, family, our staff or retailers;
17.2 Your Account is subject to regulatory supervision by the Financial Services Authority.
• you must not write your PIN anywhere;
18. WHAT IF YOU HAVE A COMPLAINT?
• you must not use your PIN if someone else can see you typing it in.
18.1 If you are unhappy with the way your Account is being run you should contact Customer Services so that we can
7.3 If you suspect that someone else knows your PIN, change it as soon as possible. investigate the circumstances as soon as possible. A copy of our complaints procedure is available on request.
7.4 If you have forgotten your PIN you must call Customer Services. 18.2 If we are unable to resolve any complaint through our internal complaints procedure, you may contact the Financial
7.5 You must keep your Card safe, this means: Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800, E-mail:
• you must not give your Card to anyone else; enquiries@financial-ombudsman.org.uk
• you must not damage or bend your Card;
• you must ensure that you keep your Card in a safe place. FEES SUMMARY
By using your Card you agree to pay all applicable fees you may incur whilst using your Account. The applicable fees
7.6 We are unable to replace a Registration Pack once issued and you are therefore recommended to
are set out below.
treat it like cash and register your Pack as soon as possible after purchase.
8. REPORTING LOST AND STOLEN CARDS (NOT APPLICABLE TO REGISTRATION PACKS – SEE CLAUSE 7.6) Services Fee
8.1 You must call us immediately using the telephone number included on the brochure provided with your Card or the
website, 24 hours a day, 7 days a week if: (a) your Card is lost; (b) your Card is stolen; or (c) you find out that your Card activeplus Account (if applicable)1
is being used in a manner not authorised by you. We will then take action to stop someone else getting access to the Card issue fee £9.95
money in your Account. Monthly subscription (per account) £4.95 per month
8.2 You will be asked to provide your Card number and other details to help our staff verify they are talking to the correct All purchase transactions FREE
person. You may also be required to help us, our agents or the police if your Card is lost or stolen or we suspect your
Card is being misused. flexiplus Account (if applicable)1
8.3 If our records show that there is money remaining on your Account, we will cancel your Card and issue a new one to Card issue fee £9.95
the address on your Account within 14 days (see Fees Summary). Purchase transactions £1.00 each
8.4 If we know of, suspect or wish to prevent misuse of your Card we may, without notice: Account maintenance (only applies if Account has no transactions including
£4.95
• refuse to approve a transaction; top-ups for a period of 120 days from date of last transaction)
• cancel or suspend your right or an additional cardholder's right to use the Card for all or any purposes; All Accounts
• refuse to replace any Card. Top-ups by cash2 FREE
These Terms and Conditions will continue even if we do any of these things and we will not be responsible or incur Check your balance and recent transactions online FREE
liability for any loss or damage you or an additional cardholder may suffer as a result. ATM withdrawal UK £2.00
9. REPORTING TRANSACTION DISPUTES ATM withdrawal Non UK £3.00
9.1 If you believe that any of the transactions on your Card were unauthorised or incorrectly posted to your Account, you must Cash withdrawal (at bank) £3.00
notify us within 30 days. We will attempt to assist you with any qualifying dispute under the MasterCard® scheme regulations.
Additional or replacement card £9.95 Maximum
9.2 You must attempt to resolve a transaction dispute with the merchant before asking that we pursue the dispute on your
Cancellation (for refund of cash value in the Account) £10.00
behalf. We strongly advise you contact the merchant first as this may lead to a quicker resolution of the dispute.
Foreign transaction 2.75% of amount withdrawn/spent
9.3 We may send you a dispute declaration form which must be completed in full for us to assist you with a transaction dispute.
9.4 We will not refund any sums to you if you have not taken the precautions set out in these Terms and Conditions, in If you wish to change your pricing plan between activeplus and flexiplus please contact Customer Services on 0871 277 5599. If you switch
particular keeping your PIN and Card safe. from an activeplus Account to a flexiplus Account within 30 days of activating your Card, we will refund the £4.95 subscription fee.

9.5 You will not receive a refund until our investigation is complete. If the disputed transaction is refunded to your Account, 1 This monthly fee starts applying as soon as your Card is activated.
it may later be deducted from your Account if we receive information that proves that the transaction was genuine and 2 Some top-up outlets may charge an additional fee. Please check at the time you top-up your Account. CV97CPL/GOLD/1207