The One4all Favourites Gift Card (‘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. Cards can only be used to pay for purchases either in store or online at Participating Retailers and dependent on Participating Retailers can also be redeemed by visiting one4allfavourites.com (the ‘Website’) 24 hours after money has been loaded onto the card. The Card is issued by GVS Prepaid Limited and is subject to acceptance of this Agreement.
The following limits apply to the Card at the time of purchase. A maximum value of £100 and a minimum value of £15 may be loaded onto the Card. Only full £1 amounts (or multiples thereof) may be loaded onto the Card. Additional amounts may not be loaded onto the Card after purchase . Interest will not be payable in respect of Card balances.
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 UK bank holidays.
“Card” means the One4all Favourites Gift Card, an e-money prepaid card denominated in sterling, or any replacement card which we issue to you from time to time.
“Card Transaction” means any transaction whereby the Card is used as payment for goods and/or services at Participating Retailers.
“Participating Retailer” means a supplier of goods and/or services in the UK that has agreed to accept the Card as payment for goods and/or services. A list of Participating Retailers can be found on the One4all Favourites website.
“Programme Partner” means a corporate body or organisation that purchases the Card.
“Product” means one type of Card from a range of One4all Favourites Gift Cards. These include Beauty and Spa Favourites, Home and Garden Favourites, Gamers Favourites, Restaurant Favourites, Kids Favourites, Teen Favourites and Student Favourites
“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 Favourites website www.one4allfavourites.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 0345 434 9993
For balance enquiries:
For queries or disputes relating to previous transactions 0345 434 9993
To redeem the balance on your card 0345 434 9993
2.1 The use of the Card is subject to 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 this Agreement.
2.2 The Card will not be personalised; meaning the cardholder’s name will not be printed on the Card, nor will we hold information about you that will link the Card to you. 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 owner of the Card.
2.3 The Card will be available for use within 24 hours 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).
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 will cease.
2.6 You may request repayment of any credit balance outstanding on the Card by calling GVS on 0345 434 9993. A Redemption Fee will be applied in accordance with Clauses 6 and 10.
3.1 For your protection, the money that you have on your card is backed by money kept by us in a separate safeguarded bank account. This money is held separately and is only available for the purposes of giving you back your money on your request.
3.2 This safeguarded money is also not available to our creditors, our bank or third parties. It means that whenever you ask us to redeem (withdraw) your e-money, that money will be available to you.
3.3 In the event of us becoming insolvent, the balance on your card will be paid out to you by the insolvency practitioner from our safeguarded bank account once any applicable costs of insolvency proceedings are settled. This means that the total of funds available to our customers and, therefore, to you may be decreased by the amount of insolvency costs related to the distribution of the funds.
3.4 E-money issuers are not covered by the Financial Services Compensation Scheme.
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 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 Participating Retailer as a form of payment.
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 and how they accept the Card (in store, online or by phone) may change from time to time.
5.2 We will debit the amount of all Card Transactions to the Card, at the time that the Card 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 Card Transaction may be declined.
5.3 You can view your Card balance on the Card Webapp. You can also obtain your Card balance or obtain information about previous Card Transactions 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 always enough funds on the Card 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 Card Transaction history for your records.
5.4 If you wish to use your card in-store for a purchase which, including any applicable fees, is greater in value than the balance on your card, you must tell the retailer to charge only up to the available balance, and you will be required to pay the difference by another means (such as another card or cash). It is the retailer's discretion to allow part payments.
5.5 Part payments are not supported when shopping online, for either physical or digital cards. This means that if the value of the purchase is greater than the balance on your card, you will not be able to use an additional payment card
5.6 Like any other payment card, we cannot guarantee a retailer will accept your card. In the event you are refused in a location you believe your card should have been accepted, please contact us.
5.7 You cannot stop a Card Transaction after it has been authorised. You authorise a Card Transaction by following the instructions provided by the Participating Retailer, which may include:
(a) holding the mobile Device near to a contactless reader, entering your passcode or using fingerprint authentication on the Device.
(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.
5.8 We will not issue statements.
5.9 If at any time you believe that a Card Transaction has been incorrectly debited to your Card you must notify us immediately by calling 0370 085 4141 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 Card 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 Card Transaction.
5.10 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 Clause 6 below.
5.11 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).
FEES AND CHARGES
6.1 The amounts of fees and details of when they will be payable are set out in the table below. All other fees will be debited directly to the Card as they arise.
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 eighteen (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 (£0) and this Agreement is terminated.
Fees & Charges Table:
Redemption Fee (this fee applies where you contact us to redeem the balance on the Card in accordance with Clauses 2.6 and 10) and the balance on your card is £7.50 or more
£7.50 fee per Card
Card Replacement Fee (if the Card is lost, or stolen and we issue a replacement card at your request)
Inactive Balance Charge
£5 fee per Card
£0.90 per month or remaining balance on the Card if lower.
7.1 We reserve the right at all times 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 (2) 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 Clause 10 below.
RESTRICTIONS ON USE OF THE CARD
8.1 The following Card limits will apply:
Minimum Load Amount £15
Maximum Load Amount £100
Max Spend Amount (Online) £100
The amount you pay onto the Card must be in multiples of £1.
8.2 Title to the Card remains with GVS Prepaid. 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 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 0345 434 9993 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 or destroy the Card by cutting the Card in half vertically.
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 (£0); or
(c) as payment for any illegal purchase.
9.1 The Card can be used for Card Transactions in the UK only.
9.2 The Card cannot be used in automated teller machines (“ATMs”) to obtain cash.
10.1 You may at any time request repayment of the remaining credit balance on the Card by calling us on 0345 434 9993 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 Transactions to clear, we will refund the balance to you by bank transfer to your nominated bank account, minus any fees within seven (7) Business Days of such a request. The Redemption Fee set out in Clause 6 will apply, 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 or via a Programme Partner, we reserve the right to notify the Programme Partner of the redemption request.
10.4 We will not repay funds remaining on your Card to you if your request for redemption is received by us more than six years after the termination of this Agreement.
10.5 If you received this Card as part of the Governments trivial benefit arrangement, 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.
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 (14) Business Days. Notification should be made to:
Gift Voucher Shop Limited
PO Box 52796
London EC1P 1ZA
Telephone: 0345 434 9993
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 £35. 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 thirteen (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 at the time the Card is reported lost or stolen, we will cancel the original Card and will send a replacement Card to you (with the appropriate credit loaded on to the replacement Card) at the address nominated by you. We cannot issue a replacement Card if you do not tell us the Card number. To allow for the processing of any pending Card Transactions, we will wait seven (7) 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 Card balance.
11.4 If you subsequently find the original Card, you must notify us immediately. You must not use the original Card.
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 Clause 6) for a period of up to fourteen (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 Services on 0345 434 9993. 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 We can terminate this Agreement by giving you at least two (2) months’ notice on the Website or by whatever means we, in accordance with applicable legislation, deem appropriate at that time.
12.3 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 Clause 6) have been processed. See Clause 10 which sets out how funds will be returned and further terms relating to the return of funds.
13.1 Participating Retailers may differ per Product and are subject to change from time to time. Retailers listed may withdraw from the programme at any time. Please refer to our Website for the most current list of Participating Retailers per Product.
13.2 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 Transaction; this is to ensure that there are sufficient funds on the Card. We may refuse to authorise a Card Transaction at any time if there are insufficient funds on the Card.
13.3 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, we will not be responsible if you are unable to use the Card for a particular Card Transaction. Furthermore, we will not be liable for the refusal of any Participating Retailer to accept or honour the Card for any reason.
13.4 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.
13.5 For Card Transactions online please retain your Card as Participating Retailers may make refunds onto the Card used for the initial payment should it be necessary.
14.2 We collect and process personal data (such as name, address, phone number 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 in order 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 Prepaid group of companies in order 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 our 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 75 of the Payment Services Regulations 2017 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 English law and is subject to the non-exclusive jurisdiction of the English 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 0345 434 9993 or write to Customer Services at
GVS Prepaid Limited,
PO Box 52796,
They will be pleased to help and explain the complaints procedure in more detail. A copy of the complaint’s 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 Ombudsman Service (the “FOS”). The FOS provides a free, independent service which might be able to settle a complaint between you and us. You can contact the FOS at:
Financial Ombudsman Service
Telephone 0800 023 4567 or 0300 123 9123
The One4all Favourites Gift Card is issued by GVS Prepaid Limited. 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 and the provision of payment services.