VISA Digital Prepaid Card Terms & Conditions

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VISA Digital Prepaid Card Terms & Conditions

1. General 

  1. For the purposes of these terms and conditions, “You” refers to the purchaser and/or recipient and user of the Digital Prepaid Card, being a Prepaid card that is in a digital form and available in the True Rewards platform.
  1. The Card is issued by iGoDirect Group Pty Ltd ACN 110 897 320 (“iGoDirect”) AFSL No 551294: iGoDirect has all rights in relation to the True Rewards Prepaid Card Platform and the Widgets (“True Rewards”). The Issuer uses ANZ as an authorised deposit-taking institution (“we/us/our”) pursuant to license by Visa. In these conditions ‘you’ are the Card purchaser or user. iGoDirect has developed the Card and promotes the Card. If you acquire the Card you will have a contract with us.
  1. True Rewards is the distributor and promoter of Your Digital Prepaid Card. True Rewards is also responsible for providing certain cardholder services to You, including providing You with Your Digital Prepaid Card and assisting You with any enquiries You may have regarding the use of a Digital Prepaid Card.
  1. A separate contract is created between You, the Issuer and True Rewards on these terms and conditions for each Digital Prepaid Card you hold.
  1. Purchasing or using a Digital Prepaid Card means that you accept these terms and conditions. If you let another person use your Digital Prepaid Card, you must tell them that the use of the Digital Prepaid Card is subject to these terms and conditions.

2. Using a Digital Prepaid Card

  1. Digital Prepaid Cards are redeemable at retailers with contactless payment facilities or online merchants which support Apple Pay or Google Pay (some retailers may not accept Digital Prepaid Cards).

3. Issuing, activating and using a Digital Prepaid Card

  1. In order /or to activate a Digital Prepaid Card, You must:
    a) Have a mobile device which supports Apple Pay or Google Pay;
    b) Be in Australia with location services enabled on your mobile device;
    c) provision the Digital Prepaid Card Apple Pay or Google Pay and accept the terms and conditions of the True Rewards product; and d) Agree to any applicable terms of use, privacy policy and/or any other terms of Apple Pay or Google Pay.
  1. Digital Prepaid Cards may be subject to a number of security checks. Following completion of those security checks to True Rewards’ and the Issuer’s satisfaction, a Digital Prepaid Card will be issued and activated within 48 hours. Once issued and activated within a person’s True Rewards platform, a Digital Prepaid Card cannot be transferred or re-assigned to a True Rewards Membership associated with another person.
  1. When making a payment using your Digital Prepaid Card you may be required to enter your PIN (which can be located in the App) into the merchant’s terminal or enter your mobile phone security credentials (e.g. PIN, passcode or biometric identifier) on supported devices to complete a transaction. The ‘Credit’ option will automatically apply to all transactions which may result in a surcharge by the merchant.
  1. All transactions conducted in a foreign currency will be converted into Australian dollars. Transactions will either be converted directly into Australian dollars or will be first converted from the currency in which the transaction was made into US dollars and then converted to Australian dollars by Visa Worldwide Pte Ltd (“Visa”). The conversion rate used is either: a) a wholesale market rate selected by Visa from the range of wholesale rates available in wholesale currency markets for the applicable processing date, which may vary from the rate Visa receives; or b) the government-mandated rate in effect for the applicable processing date. 
  1. A currency conversion fee of 3.5% is payable and deducted from the Digital Prepaid Card available balance when you make a transaction on Your Digital Prepaid Card in a currency other than Australian dollars. A currency conversion fee may also be payable if You make a transaction on Your Digital Prepaid Card in any currency (including Australian dollars) that is processed by a card scheme or financial institution or billed by the merchant outside of Australia. You should check where the processor is located before completing a transaction as it may not always be clear, particularly when purchasing online, that the merchant, financial institution or card scheme processing is located outside of Australia.
  2. The Digital Prepaid Card is not a cash substitute. You have no rights to, and You agree that You will not attempt to:
    a) redeem a Digital Prepaid Card for cash, reload it, return it for a refund or have balances of multiple Digital Prepaid Cards consolidated to a new Digital Prepaid Card; or
    b) use a Digital Prepaid Card for cash equivalent transactions (such as bill payments, purchase of financial products or foreign currency or gambling transactions).
  3. If You breach the terms of use, You agree that, in addition to other available remedies, True Rewards or the Issuer may cancel a Digital Prepaid Card or block a transaction.

4. Validity Period 

  1. Digital Prepaid Cards are valid for the period advertised on the Digital Prepaid Card, being created and outlined on the email containing the Digital Prepaid Card is delivered, and will expire on the date indicated on the face of the Digital Prepaid Card as shown in Your True Rewards Platform.
  1. After the Digital Prepaid Card has expired, it is no longer valid and all transactions will be declined. You agree that You have no right to receive a refund of any unused value remaining and that unused value will become True Rewards’ property immediately following the expiry date unless True Rewards elects otherwise.

5. Mobile Wallets 

  1. In order to use a Digital Prepaid Card, You must have a device which supports Apple Pay or Google Pay. If You do not have a supporting device, You should email  help@truerewards.com.au.  True Rewards may, in its sole discretion, cancel your Digital Prepaid Card and instead provide You with a replacement physical Prepaid card of the same value, which may be subject to other terms and conditions presented to You at the time it is provided to You.
  1. In addition, to use a Digital Prepaid Card, You must agree to any applicable terms of use of Your Mobile Wallet Provider’s terms and conditions, privacy policy and/or any other applicable terms.
  1. To the greatest extent permitted by law, the Issuer and True Rewards are not responsible for and disclaim all liability associated with the use, functionality or availability of the Mobile Wallets, any eligible Apple or Android device, or the availability of contactless payment terminals at retailers (either in-store or online).
  1. You agree that True Rewards and the Issuer:
    a) (where Your Digital Prepaid Card is registered with Apple Pay) may exchange information with Apple related to the set up and use of Apple Pay and Your Digital Prepaid Card. By using Apple Pay, You agree that: i. Apple can provide True Rewards and the Issuer with information, such as your Apple device details, for purposes including providing customer support, detecting and managing fraud, and to comply with applicable law and regulations; and ii. True Rewards and the Issuer can provide Apple with information including information about Your transactions for the purpose of operating and generally improving Apple Pay. Apple’s data collection and handling practices are in accordance with their privacy policy (available at https://www.apple.com/au/legal/privacy/en-ww/).
    b) (where Your Digital Prepaid Card is registered with Google Pay) may exchange information with Google and service providers related to the set up and use of Google Pay and Your Digital Prepaid Card. By using Google Pay, You agree that:
    i. Google can provide True Rewards and the Issuer with information, such as your Android device details, for purposes including providing customer support, detecting and managing fraud, and to comply with applicable law and regulations; and
    ii. True Rewards and the Issuer may provide Google and its service providers with information (including transaction information) for the purpose of operating and generally improving Google Pay. Google’s data collection and handling practices are in accordance with their privacy policy (available at http://www.google.com/policies/privacy/). 
    iii. You agree that True Rewards may collect, and provide to Google, aggregated and anonymised reports regarding Google Pay for the purpose of improving the Issuer’s services. 

6. Security and Lost and Stolen Mobile Devices 

  1. You agree to keep your mobile device and security credentials safe and secure in the same way You would with a physical card and PIN. You also agree to maintain and keep all software on Your mobile device up-to-date in accordance with the directions of Your mobile device’s manufacturer.
  1. You acknowledge and agree that any delay or failure to report a lost or stolen device to Us may result in a Digital Prepaid Card being used without Your consent. If Your device is lost or stolen, or You suspect an unauthorised transaction, You must immediately report this by emailing  help@truerewards.com.au.
  2. We may at our discretion issue You a replacement Digital Prepaid Card in certain circumstances. Any replacement Digital Prepaid Card will have the same unused value of the original Digital Prepaid Card (as at the time of replacement) and expiry date. You must present the original order confirmation or recipient email. We may subject replacement Digital Prepaid Cards to verification and security checks in our absolute discretion.

7. General

  1. Digital Prepaid Cards are not account cards, credit cards or debit cards or securities. Digital Prepaid Cards are single load cards and refunds onto the same Digital Prepaid Card cannot be completed.

  2. True Rewards is not liable for the availability, quality or fitness for purpose of any goods or services purchased with a Digital Prepaid Card. Any dispute about goods or services purchased with a Digital Prepaid Card, including any mistaken transactions, must be resolved with the merchant where the original transaction was completed. 
  3. Except for rights which cannot be excluded, any conditions or warranties implied or imposed by legislation or otherwise are excluded from these conditions of use. To the extent permitted by law, True Rewards’ liability in all circumstances is limited to replacing Digital Prepaid Cards.
  4. The Issuer or True Rewards may cancel any Digital Prepaid Card, or the Digital Prepaid Card scheme, for any reason at any time without notice. If so, True Rewards will either provide a refund or a replacement physical Prepaid Card of equivalent value or provide the unused value to you in another way. However, unused value need not be provided to you where True Rewards or The Issuer reasonably suspect fraud in relation to a Digital Prepaid Card.

8. Enquiries and complaints 

  1. If you have a query or complaint about the Digital Prepaid Card, please contact True Rewards by emailing  help@truerewards.com.au  or calling 1800 850 739 (during AEST business hours) or visit https://truerewards.com.au 

9. Privacy 

  1. If You provide personal information to the Issuer, You consent to the Issuer disclosing Your personal information to True Rewards and other third parties that: (a) facilitate transaction investigation and assist with identification of suspicious or fraudulent transactions; (b) are our outsourced service providers (for example, data switches); (c) are regulatory bodies, government agencies, law enforcement bodies and courts; and (d) are participants in the payment system and other financial institutions for the purpose of resolving disputes, errors or other matters arising from Your use of Your Digital Prepaid Card.
  1. You acknowledge and agree that True Rewards uses Your personal information to manage Your use of the Mobile Wallets Providers, present You with updates and to display targeted offers and advertising from time to time.

  2. To find out more about how True Rewards and the Issuer manage Your personal information, You can access the privacy policy of True Rewards at https://truerewards.com.au/privacy-policy?t=business and iGoDirect (Issuer) at https://igopayments.com.au/privacy-policy/. These sites contain details on how the Issuer and True Rewards respectively deals with any personal information they collect in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. They also contain information about how You can access the personal information each party holds about You and how You can ask to correct that information.

10. Changes to these Terms and Conditions 

  1. 1.The information in these Terms and Conditions is current as at the date stated at the beginning of this document. We may change, add to or delete the terms and conditions in these Terms and Conditions at any time.
  1. If we make any such change, we’ll publish it at  https://truerewards.com.au/terms-and-conditions?t=business  no later than the date when the changes take effect, unless a relevant law requires more advance notice to be provided to you.
  1. Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. 

Contact us 

Should you have any questions or concerns regarding these Terms, our Services or require assistance please contact us at  help@trurewards.com.au.