Chamber of Commerce Gift Card Terms & Conditions
(Version 1.1 - Published 19 May 2020)
The Chamber of Commerce Gift Card is available in euro (€) 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 retailer outlets. The Card is issued by GVS Prepaid (Europe) Limited subject to these terms and conditions.
Certain limits apply to the Card. A maximum value of €150 may be loaded onto the Card at the time of purchase, and the minimum load value is €15. 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.
The Card can only be used in participating retailers and is not limited to members of the Chamber of Commerce.
You should look after the Card as we do not hold your personal details and we cannot link the Card to you.
“Agreement” means the Agreement between you and us which includes these terms and conditions.
“Business Day” means any day from Monday to Friday excluding Irish bank or public holidays.
“Card” means the Chamber of Commerce Gift Card, a prepaid card denominated in euro, or any replacement card which we issue to you from time to time.
“Card Transaction” means any transaction whereby the Card is used to pay for goods and/or services at Participating Retailers.
“Chamber of Commerce” means the privately constituted organisation that works for the businesses and for the economic development of a specific geographic area.
“Gift Voucher Shop” or “GVS” means GVS Gift Voucher Shop DAC, a designated activity company having its registered office One4all Unit 2, Swords Business Park, Swords, Dublin, K67 PX82, acting as Agent for GVSPE in Ireland.
“GVSPE”, “We” (or “we”) or “us” means GVS Prepaid (Europe) Limited whose registered office is at One4all Unit 2, Swords Business Park, Swords, Dublin, K67 PX82,and any business to whom any or all of our rights and responsibilities under this Agreement may be transferred or delegated. GVS Prepaid (Europe) is regulated by the Central Bank of Ireland.
“Ireland” means the Republic of Ireland
“Participating Retailer” means a supplier of goods and/or services available in Ireland which has agreed to accept the Card as payment for goods and/or services. A list of participating retailers can be found on the Chamber of Commerce Website.
“Programme Partner” means a corporate body or organisation that purchased the Chamber of Commerce 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 Chamber of Commerce website.
“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 - 01 870 8111
For balance enquiries – visit the Website or call 01 906 8547 or text the Card number to 57887*
For queries or disputes relating to previous transactions - 01 870 8111
To redeem the balance on your Card - 01 870 8111
*GVS does not charge a fee for text messaging service. While we do not charge for this service, we are not responsible for any charges from your service provider that may result from our providing this service. It is your responsibility to check with your individual carrier, as standard messaging and data rates may apply. One4all assumes no responsibility for charges incurred by using this balance check service. Any text messaging fees that you incur will be billed on your individual mobile provider bill.
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 this Agreement is available on the Website. Purchase and or use of the Card constitutes your acceptance of it.
2.2 The Card will not be personalised; the cardholders name will not be printed on the Card. The Card is transferable by delivery. We will assume, unless otherwise advised, that the person using the Card 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 check or redeem your Card balance or if your Card is lost or stolen (see Clauses 10 and 11 of this Agreement).
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 time this Agreement will automatically terminate. and your right to use the Card will cease
2.6 You may at any time request repayment of any credit balance outstanding on the Card by calling GVS on 01 870 8111. A Redemption Fee will be applied in accordance with Clauses 6 and 10.
3. FUNDS PROTECTION
3.1 The Chamber of Commerce Gift Card is an electronic money product and is issued by GVS Prepaid (Europe) Limited. GVS Prepaid (Europe) Limited keeps all money exchanged for the Card in a bank account which is separate and segregated from the assets of GVS Prepaid (Europe) Limited. This means, in the unlikely event of GVS Prepaid (Europe) Limited becoming insolvent your money is protected and will be available for return to cardholders.
3.2 The Irish Deposit Guarantee 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 keep your Card safe;
(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 them.
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 Participating 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 Transactions to the Card at the time 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 will be declined.
5.3You cannot stop a Card Transaction after it has been authorised. You authorise a Card Transaction by following the instructions provided by the Participating Retailer to authorise a transaction, which includes:
(a) swiping the Card over the card reader;
(b) where requested to do so, signing a receipt for the relevant Card Transaction;
(c) providing Card number and/or other details as requested.
The amount of the Card Transaction must be confirmed with the Participating Retailer at the time of authorisation.
5.4 We will not issue Card statements. You can obtain your Card balance or obtain information about previous Card Transactions by logging onto the Website or by calling the automated balance enquiry line on 01 906 8547. You are responsible for monitoring your Card balance and for ensuring that there are sufficient funds on the Card always to pay for Card Transactions. 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 Transaction has been incorrectly debited to your Card you must notify us immediately by calling 01 870 8111 and in any event within thirteen months of the date of the Card Transaction was debited to your Card. If requested, you must put your query in writing. We will investigate the transaction and, if appropriate, reinstate the incorrectly debited amount on your Card on completion of our investigation unless we reasonably believe that you are responsible for the transaction.
5.6 If the amount of a Card Transaction which you wish to make using your Card is greater than the available balance, you can pay the difference in cash or by any other payment method accepted by the Participating Retailer. This does not apply to online transactions, where from 10 January 2020, the maximum spend in any single online transaction is €50.
5.7 Your Card does not expire. The ‘Valid Thru’ date on the front of the Card should 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 12 months after its date of purchase. Please see Clause 6 below.
5. Neither GVSPE, Gift Voucher Shop nor the Chamber of Commerce will be liable for 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 Issuance Fee, and the Postage and Packing fee for internet purchases, 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.
Inactive Balance Charge
6.2 A monthly inactive balance charge of €1.45 (or the credit balance on the Card, if lower) will be charged after the Card has been in issue for 12 months. This charge will start to be applied from the following month and will continue until such times as the balance on the Card is zero and this Agreement is terminated.
(applies to the purchase of a Card in
a Post Office branch where available)
A maximum fee of €2 per Card will be payable on purchase. (If more than one Card is purchased as part of a single purchase transaction, an Issuance Fee of €2 will apply to the first card and a fee of €0.50 will apply to the second and each subsequent card.)
(applies to the purchase of a Card in
a PostPoint outlet where available)
A fee of €2 per purchase will be payable.
Postage & Packing Fee
(for internet Card Purchase
€2.00 fee per purchase for standard delivery regardless of the number of Cards purchased. Alternative rates may be provided for courier delivery. Please contact us if you wish to use a courier.
Redemption Fee (this applies where you contact us to redeem the balance on the Card in accordance with Clauses 2.6 and 10).
€8 fee or the balance on the Card, if lower
Card Replacement Fee (if the Card
is lost, stolen or not useable and
we issue a replacement Card at
€5 fee per Card
Inactive Balance Charge
(This charge will not be applied during the first twelve months following purchase of the Card. Thereafter, the charge
will be applied monthly until such
time as the balance on the Card is
zero and this Agreement terminates)
€1.45 per month, or remaining balance on the Card if lower
7.1 We reserve the right always to introduce new terms and/or to vary or amend an existing term (including, without limitation, change the existing fees or introduce new fees) by giving you at least two months’ notice thereof on the Website or by whatever means we, in accordance with applicable legislation, deem appropriate at that time. You will be deemed to have accepted such revised Agreement, unless you tell us that you do not agree to the change prior to the change taking effect. In such circumstance, your rejection of the change shall be treated as notification that you wish to terminate this Agreement. We will refund the balance on your Card in accordance with the Clause 10 (Redemption) below.
8. RESTRICTIONS ON USE OF THE CARD
8.1 The following Card limits will apply:
Minimum Load Amount €15
Maximum Load Amount €150
The amount you pay onto the Card must be in multiples of €1
8.2 The Card belongs to us. 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 any of the terms 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 Transaction;
• suspend, restrict or terminate your right to use the Card;
• withdraw the Card; or
• refuse to replace the Card.
This may include us or any person acting on our behalf (including a Participating Retailer or another company within our group) retaining the Card at any time without notice to you.
Where we take any such steps, we will notify you and give our reasons for doing so as soon as we are permitted to do so when you contact us. Where the Card is blocked, and you believe it may be because of the circumstances above please contact us on 01 870 811 and we will advise you as to how the block may be removed or will issue you with a replacement Card (if after our investigation we believe the relevant circumstances which described above no longer apply). We may ask you to return the Card to us (cut in half vertically).
8.3 You must not use the Card: if
(a) after any notification of its withdrawal is given to you; or
(b) once the Card balance reaches zero; or
(c) as payment for any illegal purchase.
9. RESTRICTED TRANSACTIONS
9.1 The Card can be used for Card Transactions in Ireland only. The Card may not be used abroad.
9.2 The Card cannot be used in automated teller machines (“ATMs”) to obtain cash.
10.1 You may at any time request us to repay to you any remaining balance on the Card by calling on 01 870 8111 and quoting the 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 Transactions to clear, GVS will refund the balance to you by bank transfer to your nominated bank account, less any applicable fees (see Clause 6), within seven Business Days of receipt of such a request, except:
- ·during the Cancellation Period as set out in Clause 12.1;
- ·during the 12 months following the termination of this Agreement; or
- ·when you are cancelling your Card because you object to a change, we have made to this Agreement under Clause 7.1.
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), we reserve the right to notify the corporation/business of the redemption request.
10.4 If you received this Card from or via a Programme Partner, we reserve the right to notify the Programme Partner of the redemption request.
10.5 If you received this Card as part of the Irish Governments annual Benefit in Kind allowance, we will not be able to process a refund directly to you. You must speak to the person who gave it to you as there may be tax implications in seeking a refund.
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 under Clause 11.3. If your notification is made orally it must be confirmed in writing within fourteen days. Notification should be made to:
GVS Gift Voucher Shop DAC
PO Box 8942,
Telephone: (01) 870 8111
11.2. Provided that you have not acted fraudulently or with gross negligence, you will remain liable for any debit to the Card arising from unauthorised use of the lost or stolen Card before you notify us in accordance with Clause 11.1, subject to a limit of €50. If you have acted fraudulently, or without reasonable care you may be liable for the entire loss. You will not be able to claim a refund for any unauthorised transactions arising from use of a lost or stolen Card where you notified us of such transactions more than 13 months from the date the transaction was debited to your Card.
11.3 Following notification under Clause 11.1, if there is a credit balance on the Card, we will cancel the original Card and will send a replacement Card (with the appropriate credit loaded on to the replacement Card) to you at the address nominated by you. We cannot issue a replacement Card if you cannot tell us the original Card number. To allow for the processing of any pending Card Transactions, we will wait seven Business Days prior to issuing any replacement Card. A fee will be payable for any replacement Card in accordance with Clause 6 above. The amount of this fee will be deducted from the balance on the replacement Card.
11.4 If you subsequently find the original Card, you must notify us immediately, and you must not use the original Card.
12. TERMINATION AND CANCELLATION
12.1 You have a right to cancel your Card and thereby this Agreement without reason and without being charged the Redemption Fee (as referred to in the Fees and Charges Clause 6) for a period of up to 14 days after you have purchased the Card (“Cancellation Period”). Note this right only applies to the purchaser of the Card. You can cancel by calling our Customer Service at 01 8708 811. This will not entitle you to a refund of any Card Transactions made up to the date you notify us of your cancellation.
12.2 You can terminate this Agreement at any time by notifying us.
12.3 We can terminate this Agreement for any reason by giving you at least 2 months’ notice on the Website or by whatever means we, in accordance with applicable legislation, deem appropriate at that time.
12.4 If your Card is cancelled or you have terminated this Agreement in accordance with this Clause 12, we will immediately block your Card, so it cannot be used. Any funds remaining on your Card will be returned to you once all Card Transactions and all relevant fees (see the Fees and Charges Clause 6) have been processed. See Clause 10 (Redemption) which sets out how funds will be returned and further terms relating to the return of funds.
13. PARTICIPATING RETAILERS
13.1 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 Card Transaction; this is to ensure that there are enough funds on the Card. We may refuse to authorise a Card Transaction at any time if there are insufficient funds on the Card.
13.2 A Participating Retailer may not always be able to obtain authorisation from us (for example, if there is a problem with the phone line between the Participating Retailer’s premises and our authorisation centre). If this happens, we will not be responsible if you are unable to use the Card for a Card Transaction. Furthermore, we nor the Chamber of Commerce will not be liable for the refusal of any Participating Retailer to accept or honour the Card for any reason.
13.3 If a Participating Retailer becomes liable to make a refund to you, we will not credit the amount of any refund to the Card. All refunds are a matter between you and the relevant Participating Retailer.
13.4 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.
13.5 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.
14. DATA PROTECTION
14.2 We collect and process personal data (such as name, address and e-mail address) when you purchase the Card online. We use this data to deliver the Card(s) to you or the person you have requested us to send the Card to. We may also collect such personal data when you contact us for us to assist with a query about the Card you hold or to process a Card redemption request.
14.3 We will only share your personal data with third parties and with other companies in the GVS group of companies to provide Card delivery or customer contact centre services on our behalf.
14.4 We will not use your personal data for marketing, unless, when you purchase your Card online (or such other time we contact you), you opt in to receiving marketing information. If you have provided such opt-in, we may from time to time contact you with details of products and services we think may be of interest to you. If you no longer want to receive such communications, please advise Customer Services.
14.3 You explicitly consent to us accessing, processing and retaining any information you provide to us for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation.
15.1 We will not be liable for any delay or failure in performing any of its obligations in respect of the Card, including without limitation any refunds resulting from incorrectly executed or unauthorised transactions, where such delay or failure occurs because of any abnormal or unforeseeable circumstances beyond our reasonable control, the consequences of which could not have been avoidable despite our efforts to the contrary, or where such delay or failure arose because of our obligations under any applicable law.
15.2 The accounts and records kept by us or on our behalf shall, in the absence of an obvious error, constitute sufficient evidence of any facts or events relied upon by us in connection with any Card Transaction or matter or dealing in relation to the Card.
15.3 You agree that Regulation 96 of the European Union (Payment Services) Regulations 2018 shall not apply to this Agreement that we may rely on our records of the use of the Card as sufficient evidence that the Card Transaction was authorised by you or that you have failed in gross negligence to keep your Card safe.
15.4 We may disclose details of the Card to any person acting as our agent in connection with the use or issue of the Card.
15.5 This Agreement shall be governed by and interpreted in accordance with the law of the Republic of Ireland and is subject to the non-exclusive jurisdiction of the Irish Courts.
15.6 All communications under this Agreement will be in English.
15.7 We 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.
If you are not satisfied with any aspect of the service offered, please contact Customer Services on (01) 870 8111 or write to Customer Services at:
GVS Prepaid (Europe) Limited,
c/o PO Box 8942,
They will be pleased to help and explain the complaints procedure in more detail. A copy of the Complaints Procedure is available upon request. We will try and resolve your complaint as soon as possible. Often however, the complaint will need to be investigated. In most cases we will provide a full response to your complaint within fifteen (15) Business Days after the day on which we receive your complaint. However, if we are not able to do so due to exceptional circumstances, we will provide you with a full response within thirty-five (35) Business Days, in which case we will inform you of the delay. If your complaint cannot be resolved, you may refer it to the Financial Service and Pensions Ombudsman (the “FSPO”). The FSPO provides a free, independent service which might be able to settle a complaint between you and us. You can contact the FSPO at
The Financial Services and Pensions Ombudsman,
Phone: +353 (0)1 567 7000
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 FSPO 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; and
- our location: GVS Prepaid (Europe) Limited, c/o PO Box 8942, Malahide, Co Dublin
The One4all Gift Card is issued by GVS Prepaid (Europe) Limited. GVS Prepaid (Europe) Limited is incorporated in Ireland with Limited Liability. Registered Office: One4all Unit 2, Swords Business Park, Swords, Dublin, K67 PX82