Terms Of Service

1. Introduction

1.1 This document (together with the documents referred to herein) tells you the terms and conditions on which we supply memberships and you become a member of the Reward Me Now. Further details regarding the Reward Me Now can be found on our website www.rewardmenow.co.uk(our site). Please read these terms and conditions carefully and make sure that you understand them, before registering for membership. By registering for membership you agree to be bound by these terms and conditions.

Reward Me Now membership is an ongoing subscription service and will automatically renew at the end of your initial membership term at the stated fee at the time of registration. You can cancel your membership at any time in accordance with the relevant terms and conditions but otherwise, your membership will continue to renew towards the end of each subsequent term until it is cancelled in accordance with these conditions. Automatic renewal applies to all members where you have provided us with payment details.

1.2 You should print a copy of these terms and conditions for future reference provided that you may not modify, distribute or re-post anything on this website for any purpose.

1.3 We will use your personal data in the provision of your membership, in accordance with our privacy policy. Please ensure that you read and understand our privacy policy which can be found here https://rewardmenow.co.uk/privacy-policy/.

1.4 Please understand that if you refuse to accept these terms and conditions then you will not be able to activate your membership or become a member of Reward Me Now.

1.5 We reserve the right to amend these terms and conditions at any time by uploading the amended terms and conditions on our site. However, please note that you will be subject to the terms and conditions in force at the time that you ordered a membership from us, unless any change to these terms and conditions is required to be made by law or governmental authority (in which case it will apply to orders previously placed by you).

2. Information about us

2.1 https://www.rewardmenow.co.uk (our site) is operated by Redu Group Ltd (we, our or us), a company registered in England and Wales with company number 08931545 and with our registered office at 2 Lighthouse View, Spectrum Business Park, Seaham, SR7 7PR. This is also our main trading address. Our VAT number is 186162004

3. Your status

3.1 By placing an order for a membership through one of our sites, you warrant that you are legally capable of entering into binding contracts and you are at least 18 years old.

4. How the contract between you and us is formed

4.1 After placing an order to apply for membership, all orders are subject to acceptance by us, and we will confirm such acceptance to you by sending you an e-mail that confirms that a membership has been created, and that payment has been accepted in line with clause 7 below.

4.2 The contract between us will only be formed when we send you confirmation of acceptance of payment for your membership.

5. Term

5.1 Reward Me Now is an on-going subscription service so your membership is continuous and your membership is renewed automatically at the end of each membership period. We will not be liable if you do not receive communications from us such as a renewal reminder. You are required to inform us if you change your correspondence address (both email and postal). Your membership will be renewed automatically on the last date of your initial membership term. If you do not want to renew your membership you should contact us by telephone 0191 3896408 Monday to Friday 9.00am to 5.00pm, at any point within your membership period and no later than one working day preceding the expiry date of your current membership.

5.2 Redu shall be entitled to terminate the contract entered into with you and/or membership if you fail to pay any subscription fee; breach any of your obligations under the contract which, if capable of remedy, has not remedied within 30 days of receiving written notice of such breach; or you enter into any form of insolvency including without limit liquidation, bankruptcy, receivership, voluntary arrangement, administration or you are unable to pay debts as they fall due or cease or threaten to cease to carry on your business.

6. Consumer rights

6.1 You have the right to cancel your initial registration of membership with us within 14 days of your original purchase. This does not apply to subsequent renewals, which can be cancelled in accordance with clause 6.2 below. From time to time certain promotions may have different requirements regarding the cancellation period. Specific cancellation policies will be detailed throughout the purchase process.

6.2 To cancel your membership, please complete the cancellation form. Upon cancellation, you will receive a confirmation email; it is recommended that this is kept for your own personal records.

6.3 If you cancel your membership within the 14 day cooling off period, you will be entitled to a refund of your membership fee only less the £1.50 delivery charge for the Reward Me Now Card, where applicable. Refunds will be subject to the return of your Reward Me Now Card (where appropriate) and you will be responsible for the cost of returning your Reward Me Now Card. Subject to any other statutory rights you may have, we do not provide refunds of the membership subscription for any cancellations after the expiry of the cooling off period.

6.4 All calls that you make to our membership department may be recorded for training purposes. Should you wish to have a copy of the call recording provided to you then we would be able to accommodate this request. Please contact info@rewardmenow.co.uk with the date and approximate time of the call and the telephone number from which the call was made. Once we receive the details we need to complete the task then we will endeavour to provide the recording to you within 30 days.

7. Membership and payment

7.1 Subject to clause 7.3 below, the price of membership of Reward Me Now will be as quoted on our site from time to time.

7.2 Prices include VAT.

7.3 Prices are liable to change at any time, but changes will not affect orders in respect of which we have already sent you confirmation.

7.4 Payment must be by credit or debit card, PayPal, or by such other method as we may agree from time to time. We will charge your credit or debit card when your order is placed.

7.5 Where a physical Reward Me Now Card has been purchased. There is an admin charge for a replacement card should you lose or damage your original card. If your card is lost, stolen, damaged or destroyed or a transaction is incorrectly executed, you must notify us immediately by telephoning our membership department and quoting the card number. Upon receipt of the card number we will immediately cancel the Card.

8. Your membership

8.1 You will receive your membership documentation (all memberships) and Reward Me Now Card (if a physical card has been ordered) within 30 days of your confirmation of your acceptance as a member, unless there are exceptional circumstances.

8.2 Once your order of a Reward Me Now Card has been accepted, we aim to dispatch your card within 4 working days to the postal address you insert into the membership application form. If you do not receive your Reward Me Now Card, you must contact us within 30 days to request a replacement. If you do not contact us within 30 days any replacement card that is issued will be subject to an administration fee and the replacement card will be subject to the original expiry date (only applicable for physical card orders).

8.3 On presentation of your valid Reward Me Now Card, subject to sufficient funds being loaded, you will be able to purchase goods up to the value of the funds on your card at one of any of the listed retailers (see rewardmenow.co.uk for full details).

8.4 Offers advertised on our site are only available to members.

8.5 For full terms and conditions for the Reward Me Now Card please see Appendix 1 below.

8.6 We will use reasonable endeavours to update our site to show the particulars of participating retailers and the terms of their availability for participation in Reward Me Now. Participating retailers may, however, be entitled to withdraw from Reward Me Now or to change the terms and conditions of their availability after you have become a member and we shall have no liability for any such withdrawals or changes in terms and conditions or availability.

8.7 Members will have the benefit of any additional retailers which join Reward Me Now at a later date.

8.8 Any printed marketing material is intended as a guide of retailers who are participating at the time of publication and, therefore, may not include all participating retailers at any one time.

9. Purchases

9.1 The Service provides you with a platform to buy gift cards for yourself or as a gift for others (collectively, the "Gift Vouchers"). You must have a valid membership (either a monthly or annual membership) to be able to buy gift cards via the platform.

9.2 You acknowledge and agree that as a result of specific user transactional behaviour via the service, you may be subject to additional security measures requiring a background verification. You shall be contacted by Redu Group Ltd if the aforementioned applies to you and you must provide Redu Group Ltd with all requested information in order to continue with such transaction(s) via the service.

9.3 Users may purchase a Gift Voucher for others and have it sent directly to the desired recipient with an option to include a greeting message.

9.4 You acknowledge and agree that you are solely responsible to obtain, maintain and have received informed consent from any recipients to whom you intend to send a gift voucher, such that you can supply Redu Group Ltd with identifying information of the desired recipient for purposes of delivering the voucher and/or gift card. The purchaser shall be solely responsible and liable for the maintenance of such consent.

9.5 The gift vouchers are redeemable at third party service providers. Redu Group Ltd is not responsible for the quality of products or services offered by third party service providers, which may be available through the gift vouchers. Redu Group Ltd does not in any way endorse any third party service providers that may be featured through the service and is not affiliated with these third party service providers in any way.

9.6 Redu Group Ltd will process your order and your payment by credit card, debit card or PayPal and subject to successful processing of your payment, we will email you to confirm the successful purchase of a Gift Voucher. We must receive the payment in full for the Gift Voucher before we will dispatch the Gift Voucher to you. Any cost of delivery will be displayed to you on the payment page of the website. This service is solely for the promotion of products within the United Kingdom. We do not accept orders from addresses outside the United Kingdom.

9.7 Physical Gift Vouchers will be delivered to you within 7 business days of a completed order, please note that any delivery date advised to you is merely an estimate. You shall be solely responsible for the physical Gift Vouchers when we deliver the Gift Voucher to the address you provided. After this time, we will not be responsible if any Gift Voucher is lost, stolen, destroyed or used without your permission. Electronic Gift Vouchers will be available for your use within 24 hours of your completed order, provided that all security and background checks were cleared. If the supply of products is delayed by an event outside our control, then we will contact you as soon as possible to let you know and we will take reasonable steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay (i.e. 10 days or more) you may contact us to end the purchase and receive a refund for any products you have paid for but not received.

9.8 Redu Group Ltd purchases are non-refundable unless as otherwise described at clause 9.9 below. If you receive a Gift Voucher, either physical or electronic, that is damaged or does not work please inform us at info@rewardmenow.co.uk as soon as possible and in any event within 48 hours of discovering such problem and we will arrange to issue you with a replacement at no additional cost. The original Gift Voucher will become void and inactive on the issue of a replacement voucher.

9.9 Redu Group Ltd shall refund a buyer if any of the following events occur: (i) a voucher is inactive; (ii) a buyer did not receive the voucher within thirty (30) days from the date of purchase. Where you are entitled to a refund, Redu will arrange for a refund for you for the price you paid for the Gift Voucher, including our standard delivery costs in the case of physical goods, by the method you used for payment. Redu may reduce your refund of the price (excluding delivery costs) to reflect: (i) any amount of credit on a Gift Voucher that has been used since it was delivered to you (which may be the full value of the Gift Voucher if it may not now be re-used); (ii) any reduction in the value of the Gift Voucher, if this has been caused by your handling it in a way which would not be permitted in a store. The maximum refund for delivery costs will be the cost of delivery by the least expensive delivery method we offer. If you are eligible for refund for an electronic Gift Voucher you shall receive a refund as soon as possible but no later than 14 days after we have confirmed your eligibility for refund. If you are eligible for refund for a physical Gift Voucher your refund will be made within 14 days from the day on which we receive the physical Gift Voucher back from you and we have confirmed your eligibility for refund.

9.10 This is a summary of your key legal rights. Nothing in these terms and conditions will affect your legal rights. These rights are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.adviceguide.org.uk or call 03454 04 05 06. The Consumer Rights Act 2015 provides that goods must be as described, fit for purpose and of satisfactory quality. Redu warrants that all Gift Vouchers shall upon delivery be as described, fit for purpose and of satisfactory quality. All conditions, warranties or other terms whether express or implied, statutory or otherwise, inconsistent with this clause 9.10, are hereby expressly excluded to the fullest extent permitted by law. The warranty given in clause 9.10 will not apply:

i) where the defect complained of arises from fair wear and tear, wilful damage, the buyer's negligence, or misuse or alteration of the Gift Vouchers without Redu's approval or any failure to follow Redu's instructions (whether oral or in writing);

ii) if Redu or its agents is not given a reasonable opportunity to safely inspect the Gift Vouchers; or

iii) if the total price for the gift voucher has not been paid.

9.11 Redu does not exclude or limit in any way its liability to you, as an individual buyer, where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products as summarised herein; and for defective products under the Consumer Protection Act 1987.

9.12 If Redu Group Ltd fails to comply with clause 9 of these terms and conditions, it is responsible for direct loss or damage incurred by you as an individual buyer, that is a reasonably foreseeable result of it breaching these terms or failing to use its reasonable care and skill in providing the services, but Redu Group Ltd is not responsible for any loss or damage that it did not reasonably foresee.

9.13.1 We shall not be liable to you, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for any loss of profit, or any indirect or consequential loss arising under or in connection with any contract between us; and

9.13.2 our liability to you for all other losses arising under or in connection with any contract between us for the purchase of Gift Vouchers, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall be limited per claim to the value of payments Redu Group Ltd has received from you for the relevant Gift Vouchers (or, if no Gift Vouchers have been ordered, limited to the sum of £500).

9.14 Except to the extent expressly stated otherwise in these Terms, all terms implied by sections 13 to 15 of the Sale of Goods Act 1979 and sections 3 to 5 of the Supply of Goods and Services Act 1982 are excluded for buyers that are businesses rather than individuals.

9.15 Gift Vouchers may not be re-sold on any internet site such as eBay, Gumtree or any other similar site.

9.16 You are able to correct errors on your order up to the point at which you click on "continue" on the final page of our ordering process. Mistakes made after clicking on "continue" cannot be rectified.

10. Our liability

10.1 Subject to clause 10.3, if we fail to comply with these terms and conditions, our liability to you will be limited to the membership fee.

10.2 Subject to clause 10.3, we will not be liable for losses that result from our failure to comply with these terms and conditions that fall into the following categories:

10.2.1 Loss of income or revenue;

10.2.2 Loss of business;

10.2.3 Loss of profits; or

10.2.4 Loss of anticipated savings.

10.3 Nothing in these terms and conditions excludes or limits our liability for:

10.3.1 Death or personal injury caused by our negligence;

10.3.2 Fraud or fraudulent misrepresentation;

10.3.3 any breach of the obligations implied by section 12 of the Sale of Goods Act 1979 or section 2 of the Supply of Goods and Services Act 1982; or

10.3.4 Any other matter for which it would be illegal for us to exclude or attempt to exclude our liability.

10.4 Where you receive services and/or purchase goods from any participating retailers, any losses or liability arising out of, or in connection with, such services and/or goods shall be the relevant participating retailer's liability. We accept no liability for any bad experiences or service at any of the participating retailers. We will not become involved in any dispute between you and any retailer.

10.5 We do not give any warranty for any goods or services accessed through, or displayed on, our site.

11 Written communication

11.1 Applicable laws require that some of the information or communications we send to you should be in writing. When using our site, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on our website. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.

12 Notices

12.1 All notices given by you to us must be sent info@rewardmenow.co.uk. We may give notice to you at either the e-mail or postal address you provide to us when placing an order, or in any of the ways specified in clause 10 above. Notice will be deemed received and properly served immediately when posted on our website, 24 hours after an e-mail is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.

13 Waiver

13.1 Failure by us to enforce any of these terms and conditions will not prevent us from subsequently relying on, or enforcing, them.

14 Severability

14.1 If any court or competent authority decides that any of the provisions of these terms and conditions are invalid, unlawful or unenforceable to any extent, the term will, to that extent only, be severed from the remaining terms, which will continue to be valid to the fullest extent permitted by law.

15 Third party rights

15.1 A person who is not party to these terms and conditions shall not have any rights under or in connection with it under the Contracts (Rights of Third Parties) Act 1999.

16 Entire agreement

16.1 These terms and conditions and any document expressly referred to in them constitute the whole agreement between us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to the subject matter of these terms and conditions. We each acknowledge that, in entering into these terms and conditions, neither of us relies on, or will have any remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not set out in these terms and conditions or the documents referred to in them.

17 Intellectual Property

17.1 Redu shall have the right to apply any trade marks, trade names and/or service marks to the Gift Vouchers. You acknowledge that no rights are granted to you to use such trade marks, trade names and/or service marks.

17.2 You shall keep confidential and not use, without the prior written consent of Redu, all or any information supplied by Redu to you or disclosed to or obtained by you pursuant to or as a result of a contract formed with you, and shall not divulge the same to any third party except to the extent that any such information is or becomes public through no fault of yours, or disclosure of the same is required by law or by any other governmental or other regulatory body.

18 Law and jurisdiction

18.1 This agreement shall be interpreted in accordance with the laws of England and Wales and subject to the exclusive jurisdiction of the Courts of England and Wales.

Appendix 1



These Terms and Conditions apply to your Card and its use by You. By using your Card You are deemed to accept these Terms and Conditions. You must read them carefully.

Your Card is an E-money product. The Card must be activated before it can be used. Once activated, those funds on the Card then become E-money.

The Financial Services Compensation Scheme does not apply to the Card. For your protection, all funds held from time to time on Cards are held by PCS in trust and safeguarded in accordance with the Electronic Money Regulations 2011.

1. Definitions

1.1 In these Terms and Conditions, unless the context otherwise requires the following words and expressions shall have the following meanings:-

1.1.1 'Card' means the pre-paid plastic or board card issued by PCS which is to be used in accordance with these Terms and Conditions;

1.1.2 'Cardholder'/'You' means the person who has been gifted the card;

1.1.3 'Customer Care' means the contact centre operated for and on behalf of PCS for dealing with all enquiries from Cardholders; details of such centre are contained in condition 14;

1.1.4 'E-money' means electronic money as defined in the Financial Conduct Authority Handbook of rules and guidance;

1.1.5 'Goods' means goods and/or services which are available from a Retailer and can be paid for using Cards;

1.1.6 'PCMS' means Park Card Marketing Services Limited (Company Registration No. 5325492) whose registered office is at Valley Road, Birkenhead, Merseyside CH41 7ED;

1.1.7 'PCS/'We'/'Us'/'Our' means Park Card Services Limited (Company Registration No. 3280082), the E-money issuer, whose registered office is at Valley Road, Birkenhead, Merseyside CH41 7ED;

1.1.8 'Retailer' means those businesses who have from time to time agreed with PCMS to accept the Card in payment for Goods;

1.1.9 'SMS' means the short message service allowing the interchange of short text messages between mobile telephones (texts).

2. The Card

2.1 The Card is issued to the Cardholder but the Card itself will not be personalised. 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 user of the Card.

2.2 The Card:-

2.2.1 is not a cheque guarantee or cheque card;

2.2.2 cannot be exchanged by the Retailer for cash and no change can be given by the Retailer;

2.2.3 cannot be used to purchase Goods by mail order or on-line;

2.2.4 can only be used in the United Kingdom and The Channel Islands.

2.3 Funds held on the Card are in GB £s.

2.4 You will not earn any interest on any funds loaded onto the Card nor receive any benefit related to the length of time you hold the Card.

2.5 We may make a statement available to you atwww.love2shop.co.uk/services. Details of the balance on your Card may be obtained in accordance with condition 5.

2.6 The Card purchaser must be over the age of 18.

3. Use of your Card

3.1 Cards must be activated prior to use atwww.love2shop.co.uk/services.

3.2 You must:-

3.2.1 treat the Card as if it were cash;

3.2.2 take all reasonable precautions to ensure that the Card is not lost, stolen, damaged or destroyed and any PIN number supplied in respect of the Card is not used without your permission;

3.2.3 keep your transaction receipts safe and when appropriate dispose of them carefully;

3.2.4 let Us know as soon as possible if your Card is lost, stolen, damaged or destroyed

3.2.5 keep an independent record of your Card number.

3.3 The Card can only be used at Retailers to pay for Goods.

3.4 Retailers may vary from time to time but a current list can be obtained on-line at www.love2shop.co.uk/services.

3.5 We will debit the amount of all Card purchases from Retailers from the balance on your Card immediately the purchase is completed.

3.6 Your Card must only be used for personal purposes and so must not be used for commercial purposes (i.e. to make or to intend to make a profit of any kind) and You cannot load more than £10,000 onto Your Card in any rolling 12 month period.

3.7 If We need to investigate a transaction on any Card then You must co-operate with Us, the police or any other authorised body if this is reasonably required.

3.8 The maximum amount You can spend using the Card is the amount of the balance on the Card at the relevant time. If You attempt to spend more than such balance the transaction will be declined.

3.9 If the amount of a proposed Card purchase is greater than the available balance, You can pay the difference in cash or by any other payment method acceptable to the Retailer. You must inform the cashier that your purchase is greater than the balance on the Card and ask for the alternative payment method to be processed first. This will ensure the Retailer is not attempting to ask for more than the available balance on the Card and will therefore prevent a declined transaction.

3.10 The Card must not be sold but, You may give the Card to another person to use at Retailers to pay for Goods, but if You do, You are responsible for all use of the Card and You must ensure that such person understands and keeps to the obligations contained in these Terms and Conditions, particularly those relating to the security and use of the Card.

3.11 When you use the Card at a Retailer you are consenting to the execution of a payment transaction on your behalf. The time of receipt of a payment order by us is the time at which we receive it from the Retailer. We will process that payment order within 48 hours.

3.12 You agree that we may communicate with you or provide you with information or serve notice to you by making such communication, information or notice available on our website at www.love2shop.co.uk/services.

4. Lost, Stolen, Damaged or Destroyed Cards

4.1 If your Card is lost, stolen, damaged or destroyed or a transaction is incorrectly executed You must notify us immediately by telephoning Customer Care and quoting the Card number.

4.2 Upon receipt of the Card number We will immediately cancel the Card.

4.3 You are liable for all losses in respect of an unauthorised payment transaction where you have acted fraudulently or you have with intent or gross negligence failed to notify us without delay on becoming aware of the loss, theft, misappropriation or unauthorised use of your Card. You must notify us immediately by telephoning our 24/7 automated telephone service on 0344 7709015 quoting the Card number. Once you notify us you are liable for a maximum of £35 for any losses incurred in respect of unauthorised payment transactions arising from the use of your lost or stolen card or where you have failed to keep your PIN safe.

4.4 After such security checks as We may require, We will, unless We believe that fraud may be involved, and subject to condition 4.5, either (at our complete discretion) arrange for a replacement card to the value of the balance on the Card at the time it is reported lost, stolen, damaged or destroyed to be issued to You, or refund such balance to You. If We refund the balance, We will do so in accordance with condition 8.

4.5 Valid claims will be completed within 10 working days and if a replacement Card is issued we will charge you £8.90.

5. Additional Services

The following services will also be available to you for (where appropriate) valid numbers in the United Kingdom:-

5.1 text balance alerts at a fee of 5p per SMS; this service will provide You with an SMS text each time your Card is used, the text message will give You the latest Card balance;

5.2 text threshold alerts at a fee of 5p per SMS; this service will provide You with an SMS text once the balance remaining on the Card reaches a value which You can set;

5.3 the cost of each of the above services will be charged to your card

5.4 balance details via our 24/7 automated telephone service on 0344 7709015.

6. Charges

6.1 All charges by Us referred to in these Terms and Conditions will be automatically deducted from the balance on your Card. Charges may include amounts for postage, systems maintenance, staff or fulfilment costs. We will charge you £10.00 for the cost of issuing the Card. This charge will be applied to the available balance of your Card on the final day your card can be used. If there are no funds on your Card at this time, you will not pay this charge.

6.2 If you received a discount on the amount loaded onto your Card we will deduct the same percentage as the discount you received from the balance of the Card, this will occur the same time the £10 Card issue fee is being applied.

6.3 We will charge you a Membership Fee of £1.50. This charge will be taken from your credit or debit card when you first load the Card.

6.4 If you purchase a Virtual Card issued by R. Raphael & Sons plc (Raphaels Bank) you agree to pay us an administration charge, the amount of which is set out in the terms and conditions of your Virtual Card from time to time. The administration charge will be deducted from your Card.

7. Cancellation and expiry of your Card**

7.1 You have the right without giving any reason to cancel your Card for a period of 14 days from the date on which You receive your Card.

7.2 You can exercise this right by contacting Customer Care.

7.3 When We receive your cancellation request:-

7.3.1 We will immediately cancel the Card so that it cannot be used; and

7.3.2 within 14 days of such cancellation refund the balance on the Card less any discount given or transactions made using the Card prior to cancellation. If the Card has not been used at all, refunds will not incur a cancellation charge, however, if the Card has been used an administration fee of £8.90 will be deducted from the refund.

7.4 Your Card will expire at midnight on the date clearly printed on the Card following which it will no longer be valid and neither You nor any other person will be able to use the Card. The right to use electronic money stored on the Card ceases at expiry.

8. Redemption

8.1 Subject to conditions 7.4 and 8.7, You are entitled, at any time prior to the expiry of the Card, to redeem any unexpired and unused balance on the Card provided that that the remaining balance exceeds £8.90

8.2 You can request a redemption by telephoning Customer Care.

8.3 Subject to such security checks as we may reasonably require, we will refund the balance (less any fee due) by cheque within 5 business days of the day on which the card holder gave instructions in accordance with 8.2.

8.4 We charge a redemption fee of £8.90 for every redemption prior to the expiry date.

8.5 We will not charge a redemption fee if you request a redemption during the first 12 months after the expiry date on your Card. We will redeem the total amount stored on the Card.

8.6 We will charge a maintenance fee of £11.00 per annum and/or a redemption fee of £8.90 following the first 12 months after the expiry date on your Card. Your right to redeem terminates 6 years after the expiry of your Card.

8.7 Prior to any redemption in accordance with this condition 8 we may, in order

to comply with money laundering requirements, require additional information

in respect of Your identity.

Notwithstanding anything in this clause 8, as you have received a discount on the amount loaded onto the Card, we will deduct the same percentage as your discount from any amount you redeem on the Card before the £8.90 redemption fee is charged.

9. Disputes with Retailers

9.1 For the avoidance of doubt, We will not be liable for any Goods paid for with the Card. Any queries or complaints concerning such Goods must be addressed to the relevant Retailer.

9.2 Once You have used your Card to make a purchase We cannot stop such purchase and the amount of that purchase will be debited to the Card immediately when the purchase is completed.

9.3 Each Retailer will have its own return policy and will handle your returns in accordance with that policy. If a Retailer becomes liable to make a refund to You, the Retailer cannot credit the amount of such a refund to the Card; refunds are between You and the Retailer.

9.4 If at any time you believe that a purchase has been incorrectly debited to your Card You must let Us know as soon as possible by either telephoning Customer Care or by e-mail via the 'contact us' section of our website . www.love2shop.co.uk/services. We will make all reasonable endeavours to resolve your query as soon as possible so that your Card may be restored to the state it would have been had a defective payment transaction not taken place. If your query is in our reasonable opinion unfounded then we reserve the right to charge an administration fee of £10.00. Refunds may only apply after an appropriate investigation of an incorrectly debited purchase. You must provide such information as is reasonably necessary to ascertain whether a refund is appropriate.

9.5 If your Card is refused a Retailer may explain the reason why to you or you may ring Customer Care on 0344 3750739 to obtain an explanation.

10. Regulation and Protection

10.1 PCS is authorised and regulated by the Financial Conduct Authority (registration number 900016) to carry on the regulated activity of issuing E-money.

10.2 Although the E-money product is regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with Cards. This means that in the event that PCS becomes insolvent, any E-money on your card may become valueless and unusable and may be lost. For the protection of Cardholders, all funds held from time to time on Cards are held by PCS on trust in accordance with the terms of the Park Card Services Ltd E-Money Trust.

10.3 To comply with money laundering regulations, We may require proof of your identity and address, prior to activating any cards purchased. We will seek to obtain these electronically as a consequence of which:-

10.3.1 the search may be carried out by a third party;

10.3.2 the third party may check your details against a database (public or otherwise) to which they have access;

10.3.3 a record of the search may be retained and passed onto other parties for the purposes of anti-money laundering.

11. Complaints

11.1 If You have a complaint concerning your Card or our service then please contact Us by calling Customer Care or on-line at www.love2shop.co.uk/services.

11.2 All complaints will be dealt with as quickly and as fairly as possible in accordance with our complaints procedure, details of which can be obtained by telephoning Customer Care.

11.3 If We fail to resolve your complaint You can always refer it to:-

Financial Ombudsman Service

Exchange Tower, London, E14 9SR

Telephone 0800 023 4 567

12. Our Liability

12.1 We cannot guarantee that a Retailer will accept your Card. The reasons for any non-acceptance or non-authorisation could be beyond our reasonable control, for example a system failure or a concern by the Retailer that your Card is being mis-used.

12.2 We shall not be liable to You for any loss or damage You may suffer in the event a Retailer refuses to accept your Card.

13. Data Protection

PCS is committed to maintaining all data which it collects in accordance with the requirements of the Data Protection Act 2018 and will take reasonable steps to ensure that all information concerning You or your Card is kept secure against unauthorised access, loss, disclosure or destruction.

14. Customer Care

You can contact Customer Care as follows:-

14.1 for a general enquiry on 0344 3750739 between the hours of 9am and 5pm Monday to Friday: or

14.2 for a lost or stolen Card or balance details on 0344 7709015 available 24 hours a day, 7 days a week.

14.3 The geographical address at which we may be contacted is our registered office as set out above.

14.4 You can request a copy of this Agreement during its term.

15. Variation

We may vary the Agreement by giving you not less than 2 months prior notice of any such variation. If such variation(s) is/are not to your satisfaction, you can redeem the remaining balance on the Card before any variation is applied in accordance with Clause 8 above (save that no redemption fee will be payable). Otherwise, you will be deemed to accept the changes. Notification of any changes will be posted on our website at www.love2shop.co.uk/services and you agree that this is an appropriate method to vary this Agreement.

16. Governing Law

These Terms and Conditions shall be governed in accordance with English Law and the parties hereby submit to the exclusive jurisdiction of the English courts. All communications with you will be in English.