Prepaid Multi-Choice Gift Card Cardholder Terms and Conditions
CUSTOMER SERVICE CONTACT INFORMATION
Address: PO Box 4119, Richmond East, VIC 3121
Website: card.gift/page/contact-us
Phone Number: 1300 375 346
Email: support@card.gift
IMPORTANT NOTICES
- Give this document to the recipient of the Gift Card for any future questions or issues.
- Always know the exact dollar amount available on your Card. Retailers may not have access to determine your Card balance.
- If you do not agree to these terms, do not use the Card, save your receipt and cancel the Card by calling or emailing Customer Service and requesting a refund.
- Treat Card like cash. Never provide Card or Card information to someone you don't know – you may lose your money.
FEES AND EXPIRATION
Fees: We do not charge any fees for using the Card. However, some retailers may charge you for using the Card and such fees may be deducted from the balance of your Card at the time of the transaction.
Expiration: The Card is valid for a period of three (3) years. The funds on your Card will expire no sooner than three (3) years from the date of Card activation. You will not be able to use your Card after the funds expire and any remaining balance on the Card will be forfeited. We will not give you any notice before this happens.
This Cardholder Terms and Conditions sets forth the terms and conditions under which a Card ("Card") has been issued to you by Vault Payment Solutions Group Pty Ltd ABN 66 632 373 105. "We", "us" or "our" means Vault, the issuer of the Card. "You", "your" or "user" means the cardholder, the person or persons who have purchased or received the Card and are authorized to use the Card. By accepting and using this Card, activating the Card, or authorizing any person to use the Card, you agree to be bound by the Terms and Conditions. The Card may be cancelled or revoked at any time without prior notice, subject to applicable law. Please read these Terms and Conditions carefully and keep it for future reference. These Terms and Conditions apply to both the purchaser and any other user of the Card. It is the purchaser's obligation to provide these Terms and Conditions to any user; however, new Terms and Conditions may be provided, or any other questions or concerns answered, by contacting Customer Service.
1. AGREEMENT UPON PURCHASE OR USE
If you are a purchaser, then your purchase of the Card will be taken as your agreement to these Terms and Conditions. Otherwise, your first use of the Card will be taken as your agreement to these Terms and Conditions. You must give these Terms and Conditions to the user of the Card if it is not you. If you do not agree to the Terms and Conditions, do not use the Card, save your receipt and call or email Customer Service to cancel your Card and request a refund.
The Cards are available for purchase from specific authorised retailers listed on the website. We cannot guarantee the validity of any Card purchased from any other retailer including any auction website or discount website who is not listed as one of our certified retailers. Any Card not purchased from a certified retailer may be fake or counterfeit or associated with fraudulent activity. We will not be liable to you or any other person for any loss arising from any purchase of our Cards from a retailer who is not listed as a certified seller.
Card and/or offers are for personal consumer use only and may not be used for resale, commercial use, or abuse. Total redemptions on the website cannot exceed $5,000 per customer per month. We may cancel, deny, or limit Card redemptions if we detect fraud, abuse or suspicious activity, including the use of multiple accounts or email addresses to bypass limits, bulk purchasing inconsistent with normal consumer use, automated activity, or other attempts to circumvent these terms. If redemption is denied for circumvention of these limits, we will refund only the amount paid for the Card, not the Card value. Email forwarding addresses, disposable email addresses, temporary or alias addresses, and other email addresses that redirect, mask or forward messages to another account, may not be used to purchase/redeem your Card for products on the website indicated on the Card. We reserve the right to reject a redemption that attempts to use one of these types of prohibited email addresses at checkout.
2. ABOUT YOUR CARD
The Card is a prepaid gift card loaded with a specific amount of funds redeemable to buy goods and services at participating retailers displayed on the Card or redeemable on the website indicated on the Card. Each participating retailer will accept the Card in accordance with these Terms and Conditions and any applicable law and subject always to the individual trading terms of each participating retailer. Participating retailer voucher amounts may differ. Online usage is restricted to the specific retailer and is limited to the amounts provided to us. At any time we may add or remove participating retailers and/or where the Card may be redeemed and/or add or remove goods or services which may be purchased with the Card.
We are not liable for the goods or services you purchase with the Card. Any purchase made with a participating retailer constitutes a transaction between you as the cardholder and the relevant retailer. You acknowledge and agree that we are not a party to that transaction, and are not in any way responsible or liable in relation to that transaction. Any dispute about goods or services purchased with a Card must be resolved with the retailer. If you think there has been an incorrectly processed transaction on your Card, please contact the retailer where the transaction took place. We are unable to reverse transactions approved or processed by any retailer. If you cannot resolve the dispute with the retailer, you can contact us at 1300 375 346 during business hours or alternatively you can send an email to support@card.gift.
The Card is not reloadable. No additional funds may be added to this Card. The Card is not a credit card and will not enhance your credit rating nor is it linked to a deposit account with us or any financial institutions. You will not receive any interest on your Card value. The Card remains our property. The Card is nontransferable and cannot be exchanged for other card types. The Card will be void if it is defaced, mutilated, altered or tampered with in any way.
3. USING YOUR CARD
a. Activation
Your Card will be activated when it is purchased at point of sale. Please allow up to 24 hours from time of purchase for funds to be loaded onto the Card. The Card is valid from the date of activation. It is your responsibility to record the date of purchase of the Card.
b. Accessing Funds and Limitations
Your Card cannot be: (1) redeemed for its cash value at ATMs; (2) used to obtain cash in any transaction at point of sale ("POS") devices or by any other means; (3) used for online gambling or any illegal transaction; (4) used to make foreign transactions; (5) used for purchases where pre-authorised recurring or instalment payments may occur, such as subscriptions, memberships, rentals, etc.; (6) used for paying bills, such as phone or wireless bills, electric or other utility bills, tax payments, government payments, etc.; (7) used to purchase other gift cards or vouchers; (8) used to purchase money orders; or (9) used at an automated fuel dispenser ('pay at the pump'). You cannot request an additional Card for another person. This Card is redeemable only at the retailer(s)/brand(s) listed on the Card or on the website indicated on the Card.
Each time you use your Card, you authorise us to reduce the Card value by the amount of the transaction. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions.
For security reasons, we may limit the amount, type or number of transactions you can make on your Card and/or limit the acceptance of your Card at certain retailers or websites. We may refuse to process any transaction that we believe may violate these Terms and Conditions or applicable law. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. If you do not have enough funds available on your Card, you may be able to instruct the retailer perform a "split transaction" to charge part of the purchase to the Card and pay the remaining amount with another form of payment. You are responsible for all transactions initiated by use of the Card. If you permit another person to have access to the Card or Card number, we will treat this as if you have authorised such use and you will be liable for all transactions by those persons. You are wholly responsible for the use of each Card according to these Terms and Conditions. Any possession or removal of this Card outside the retail location where such Card is offered prior to proper activation (without authorisation from us) constitutes possession of an unauthorised access device which violates applicable law.
c. Personal Identification Number ("PIN")
The use of a Personalized Identification Number ("PIN") is optional. However, should you choose to use a PIN, it is located on the back of the Card. You can use this PIN when you first use the Card at a retailer's Point of Sale ("POS"). After the first PIN-based transaction, you must use this same PIN for each subsequent PIN-based transaction, unless and until you choose to reset the PIN. If you need to reset the Card's PIN, please call [TBD – add number]. Choose a PIN that you can remember easily. You will be required to provide information about the Card (account number and security code) to reset the PIN. CARDS ARE NOT ACCEPTED AT ATMS AND CANNOT BE USED TO OBTAIN CASH IN ANY PURCHASE TRANSACTION. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorised access to your PIN, you should advise us immediately by calling 1300 375 346.
d. Obtaining Card Balance Information
You are responsible for keeping track of your Card value. Retailers generally will not be able to determine your Card value and you should know your Card value before making any transaction. You may obtain information about the remaining value on your Card by calling 1300 375 346. This information, along with a history of Card transactions, full conditions of use, and important notices about your Card, is also available online at card.gift/register. You will not be sent paper statements in respect of your Card.
e. Returns and Refunds
Any refunds on Card transactions are subject to the policy of the specific retailer. Refunds may be in the form of a credit to the Card, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.
f. Receipts
You may wish to retain receipts as a record of transactions. You may need a receipt in order to verify a transaction with us or the retailer.
4. REPLACEMENT CARD
If you need to replace your Card because it is damaged as a result of manufacturing default, please call 1300 375 346 or email support@card.gift to request a replacement Card. The Card is like cash. We have no obligation to replace or refund value for misused, lost, or stolen Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these Terms and Conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide). You will be required to provide personal information which may include your Card details, full name, transaction history, copies of accepted identification, etc. We reserve the right to require an affidavit signed by you and to conduct an investigation into the validity of any request. Any replacement Card will be loaded with the remaining Card value.
5. COMMUNICATIONS
You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you by using an automated dialling or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.
6. UNAUTHORISED TRANSACTIONS
If you believe your Card has been lost or stolen or an unauthorised transaction has been made using the information from your Card without your permission, contact Customer Service IMMEDIATELY. We will ask for the Card number and other identifying details. We may not be able to assist you if you do not have the Card number or do not provide us with the requested information. We may not be able to assist you if you do not contact us within 60 days of the unauthorised transaction. If we issue a replacement Card, the replacement Card will have a value equal to the available balance on the Card at the time you notified us of the loss or theft. Any available balances will be temporarily unavailable until you activate your replacement Card. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM THE CARD BEFORE YOU NOTIFY US. Mastercard Scheme Rules impose time limits after the expiry of which our ability to dispute a transaction on your behalf may be lost. We may not be responsible for any loss to you where it can be shown that you have unreasonably delayed notifying us.
7. NO WARRANTIES AND LIMITAITON OF LIABILITY
To the extent permitted by law, we will not be liable to you for any loss or damage (whether direct or consequential), nor be in default under these Terms and Conditions for failure to observe or perform any of our obligations under these Terms and Conditions for any reason or cause except to the extent that the loss is caused by our fraud, negligence or misconduct (including that of our officers, employees, contractors or agents). We accept no liability for any failure to authorise a purchase transaction (even if the balance exceeds the purchase amount at the time of the authorisation request) if such has resulted from the application of prudent risk management tools or if the terminal or system was not working properly. We may restrict or stop the use of a Card if excessive use or other suspicious activities are noticed.
Further, we are not liable:
- if, through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
- if a retailer refuses to accept your Card;
- for the way in which any refusal to accept the Card is communicated;
- if an electronic terminal where you are making a transaction does not operate properly;
- if access to your Card has been blocked after you reported your Card lost or stolen;
- if circumstances beyond our control (such as fire, flood, computer or communication failure) prevent the completion of the transaction;
- for any failure due to events outside our reasonable control;
- if we do not authorise a purchase transaction (even if the available balance immediately before the authorisation request exceeds the amount of the transaction);
- for any industrial dispute;
- for any indirect, special or consequential losses;
- for any infringement by you of any currency laws in the country where the Card is issued or used;
- in relation to any dispute between you and the supplier of any goods or services purchased with the Card;
- if we take any action required by any government, federal or state law or regulation or court order; or
- for anything specifically excluded or limited elsewhere in these Terms and Conditions, except to the extent that the loss is caused by our fraud, negligence or misconduct (including that of our officers, employees, contractors or agents).
Our liability in any event will not exceed the amount of the available balance.
Although considerable effort is expended to make our website and other operating communication channels available at all times, no warranty is given that these channels will be available and error-free every minute of every day.
We accept no liability for the performance, quality, safety, legality or any other attribute of any goods and services purchased with the Card. Any complaints about the goods or services purchased with the Card should be addressed to the retailer from whom they were obtained.
You will not be liable when unauthorised transactions:
- result from the use of the Card before you have received the Card;
- are made with forged, faulty, expired or cancelled Cards or identifiers (as applicable) when you were not responsible for this; or are the result of the same transaction being incorrectly debited more than once to the same available balance.
You will not be liable for losses resulting from unauthorised transactions where it is clear that you have not contributed to the loss, or that are caused by the fraudulent, willful misconduct or negligent conduct of:
- our staff, agents, officers or contractors;
- companies involved in networking arrangements; or
- retailers who are linked to the electronic funds transfer system or of their agents or employees.
You will not be liable for unauthorised transactions unless you have unreasonably delayed notifying us of the loss, theft or unauthorised use of the Card.
Where we can prove that on the balance of probability you contributed to the losses caused by an unauthorised transaction through your fraud, or by failing to comply with the security requirements, then you will be liable for the actual losses which occur before we are notified of the loss, theft or misuse of the Card or a breach of the security requirements.
You are not liable for any loss caused by the failure of a system or equipment provided by any party to a shared electronic network to complete a transaction accepted by the system or equipment in accordance with your instructions. However, if you were aware, or should have been aware, that the system or equipment was unavailable or malfunctioning, our responsibility will be limited to:
- correcting any errors; and
- refunding any charges or fees imposed as a result.
8. AMENDMENT AND CANCELLATION
We reserve the right to amend or change the Terms and Conditions at any time by posting the amended Terms and Conditions on our website at card.gift/terms-and-conditions. Any such amendment shall be effective at the time advised on that website. The current Terms and Conditions is available at card.gift/terms-and-conditions. We may cancel or suspend your Card or these Terms and Conditions at any time. You may cancel these Terms and Conditions by returning the Card to us. Your termination of these Terms and Conditions will not affect any of our rights or your obligations arising under these Terms and Conditions prior to termination.
Unless there are exceptional circumstances (for example, fraud or criminal activity), we will give you at least 14 days' advance notice. In the event that your Card is cancelled, closed, or terminated by us for any reason, you may request that the Card value be returned to you as long as you return the Card to PO Box 4119, Richmond East, VIC 3121, and provide your name and address. We reserve the right to refuse to return the Card value if it is less than $1.00.
We will only amend or change the Terms and Conditions for one or more of the following reasons:
- to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
- to reflect any decision of a court, ombudsman or regulator;
- to reflect a change in our systems or procedures, including for security reasons;
- to respond to changes in the cost of providing the Card;
- discontinue a product in which case we may change the terms of the product to reflect a different product with similar features to the discontinued product; or
- to make these Terms and Conditions clearer or to add features, but will only do so in order to protect our legitimate business interests, and only to the extent reasonably required to do this.
Except where we are required by a law or a code to do so, or the change is adverse to you, you will not receive advance personal notice of such changes. If the change is adverse to you, we will notify you at least 30 days before the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice.
9. OTHER TERMS
You may not assign or transfer your Card or your obligations under these Terms and Conditions. We may, however, transfer or assign our rights under these Terms and Conditions, including any balances in your Card. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of these Terms and Conditions is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of these Terms and Conditions shall not be affected.
10. PRIVACY AND CONFIDENTIALITY
We may collect personal information about you to verify your address for internet, mail, and phone order purchases. We may also collect personal information in the event you raise a dispute with us regarding a transaction, in which case certain personal information will be collected and used for the purpose of resolving your dispute. This information may be disclosed to our contractors and to other service providers some of whom may be outside Australia. You can access any personal information that may be collected by calling 1300 375 346 or emailing support@card.gift. You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law.
We may disclose information to third parties about your Card or the transactions you make:
- where it is necessary or helpful for completing transactions;
- to verify the existence and condition of your Card for a third party, such as a retailer;
- to utilise the services of third parties and affiliate entities who assist us in providing the Card and related services;
- to process claims for lost or stolen Cards;
- to help protect against fraud and to conduct research and analysis;
- to comply with a government agency, court order, or other legal or administrative reporting requirements;
- if you consent by giving us your written permission;
- if you owe us money or there are legal proceedings in connection with your Card, in which case information may be relayed to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting;
- to prevent, investigate or report possible illegal activity;
- to issue authorisations for transactions on the Card;
- as permitted by applicable law;
- to our employees, auditors, affiliates, parent and subsidiary companies, service providers, or attorneys as needed; or
- otherwise as necessary to fulfill our obligations under these Terms and Conditions.
A full privacy policy can be viewed at vaultps.com.au/privacy-policy.
11. RIGHT TO MAKE COMPLAINTS
If you have a complaint about the Card or our services, please contact us by calling 1300 375 346 or send an email to support@card.gift. Your complaint may take a little longer to assess if we need more information or if your complaint is complex. In all cases, we'll keep you updated on the progress. You can ask for information about how we manage complaints in alternative formats and languages upon request by calling 1300 375 346 or emailing support@card.gift. If you have a hearing or speech impairment, you can access additional support through the National Relay Service at 1300 555 727. If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides free and independent financial services complaint resolution and can be contacted: Website: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: GPO Box 3, Melbourne, VIC 300. Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. To contact the issuer, Vault, about your complaint: Phone: (03) 9000 0012 Website: vaultps.com.au Email: info@vaultps.com.au Mail: Level 6, 2-6 Gwynne Street, Cremorne, VIC, 3121.
These terms are to be construed and enforced in accordance with the laws of VIC, Australia. Any dispute arising from your receipt or use of a Card is exclusively subject to the jurisdiction of the courts of VIC, Australia.
This Card is issued by Vault Payment Solutions Group Pty Ltd.
Updated: October 2026