Bread Corporate Incentive Card Terms and Conditions of Use

These terms and conditions apply to any holder of this Corporate Incentive card (‘the card’). By using your card, you are demonstrating your agreement to these terms and conditions.

The card is operated by Payment Card Solutions (UK) Ltd (co-brand partner) and issued by Wirecard Card Solutions Limited Registered Office: 3rd Floor, Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne. NE1 6JQ. Registered in England No. 07875693. Authorised and regulated in the UK by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900051).

The card will be provided in a stated currency. All references to that currency in these terms and conditions are relevant to you.

The card is an e-money product, and as such it is not covered by the Financial Services Compensation Scheme. In the unlikely event that Wirecard Card Solutions Ltd becomes insolvent, your funds may become valueless and unusable, and as a result you may lose your money.

These terms and conditions are available online at the website found in your welcome letter. You can request a copy of these terms and conditions at any point in their duration.

Definitions

In these terms and conditions, the following words and phrases have the meanings shown next to them:

Business day – means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales;

Card – means your B4B Payments Prepaid Corporate Expense Card (including replacement card);

Card scheme – means Mastercard®;

Fees – a variety of charges that can be raised for purchase and ongoing use of the card and which may be found on our website within your cardholder login page at www.b4bpayments.com;

Supplier – a retailer, merchant or other supplier of goods and/ or services which accepts payment by means of a card, card number, PIN or card and signature;

Prepaid Card – means a card with the features set out in these Terms and Conditions

We / us / our – means Wirecard Card Solutions Limited or co-brand partner acting on our behalf;

You / your – means the person/employee who has received the card and is authorised to use the card as provided under the terms of this Agreement.

Use of the card

The Card is provided to you as a means of receipt of corporate funds provided to you as a result of an incentive or promotion given to you with conditional access rights. You agree that upon expiry of the valid usage dates of the Card, any unused value will be forfeited.

To use our card, you must be at least 18 years old.

The card is a prepaid product which can be used to pay for goods and services at Suppliers that display the Card Scheme symbol.

When you receive your card, you must follow the instructions on the welcome letter to activate your Card and sign it immediately.

You must not make purchases that exceed the balance of funds available on the card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force the transaction will be declined and if it impacts the cards balance, you will be asked to pay the difference immediately.

You can use the card to make purchases in-store, via the internet or over the phone.

This is not a debit card supported by a bank account and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. Interest will not be earned on any funds loaded on to the card.

You must not use the card for:

• Pre-authorised regular payments; transactions for cash or any illegal purposes.

Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction.

We may stop, suspend or restrict your card on reasonable grounds relating to the security of your card and the suspected unauthorised or fraudulent use of your card.

We will, if possible, inform you before stopping, suspending or restricting your card that we intend to do so and the reasons for doing this. If we are unable to do so then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures, or it would be unlawful to do so.

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card.

Transactions

You agree that any use of your card or card number constitutes your authorisation and consent to a transaction.

The time of receipt of a transaction order is when it is received by us.

You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.

We may refuse a transaction or suspend or terminate the right to top up your card. We may do this if the relevant phone or computer link is busy.

We may also do this if a transaction might take you over your available funds on the card; or a transaction might take you over any of your card limits; or we reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or we reasonably believe that it is necessary to do so to comply with any law or as a matter of good practice.

If you make a transaction in a currency other than the currency of the card, we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a service charge for this.

Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the service charge from your balance. The exchange rate applied will include this service charge.

You’ll no longer be able to pay charges for anyone you’re making a payment to within the EEA (regardless of the currency of the transfer).

The European Economic Area (EEA) includes all the member states of the European Union, Iceland, Norway and Liechtenstein

Check your balance

To check the available balance on your card or to review your transactions visit by following the instructions received on your welcome letter.

Statements

You can decide whether information about your payment instrument should be actively provided by us (e.g. in a monthly statement sent to your email address) or instead made available for you to obtain (e.g. via your online account, without an accompanying email notification).

When your card and value expire

The card’s expiry date is printed on the card and this should be used when requested by a supplier. However, funds will only be available for use within 12 months of the date of activation. After this date all funds will be forfeit and you must not use the card after this date.

Rights of redemption

You have received this card as a gratuity without payment of any monetary value. This card is not a gift card or gift certificate and you have no right of redemption of any funds by any other means.

Liability

You must sign your card as soon as you receive it and keep it safe. You must always make sure that you:

• Do not allow anyone else to use your card;
• Only release the card or card number to make (or try to make) a transaction, and

If your card is lost or stolen or if you think your card may be misused, you must contact us without undue delay so that we can stop your card;

We may charge a fee for the replacement card.

If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believe may be relevant.

We will not be liable for any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing the usual service.

Altering these terms and conditions

We may change any of these terms and conditions, including fees and charges, or introduce new terms. If we make any changes, we will give 2 months prior written notice to you by email.

You will be deemed to have accepted any change to these terms and conditions unless you notify us of any objection before the proposed date of the change.

General

By entering into this agreement, you agree that we may use your information in accordance with the ‘How we use your information’ section of these terms and conditions.

We may monitor and/or record telephone calls between you and us or service providers.

You must provide us with an email and postal address and phone number and let us know of any changes.

We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.

We can delay enforcing rights under this agreement without losing them.

If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.

This agreement is governed by the law of England and Wales. The language of this agreement is English, and all notices and information given under this agreement will be in English.

Complaints and how to contact us

If you would like to make a complaint or contact us for any other reason connected to these terms and conditions please write to Card Services, PO Box 76256 London SW1P 9NU or phone us on +44(0)845 519 9561. We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at Exchange Tower, London, E14 9SR, telephone: 0800 023 4567 or 0300 123 9123.

We will try to resolve any complaints you have about your payment instrument or the service we provide to you within 15 business days of receiving your complaint and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).

How we use your information

Your information will only be used in the operation of the Card and to meet any Legal requirements which We have. Your information will not be sold or used by any for any other purpose.

If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas.

Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible for making sure that your information continues to be protected.

We will keep information about you for only as long as we need to or is required to meet legal obligations.

Liability for unauthorised transactions

Unless you have acted fraudulently or with intent or gross negligence, you will only be liable for a maximum of £35 (or the equivalent in the currency of your payment instrument) up until the time you inform us that your payment instrument has been lost or stolen. You will not be liable for any losses which occur on your payment instrument after you have informed us that it has been lost or stolen.

If you’re due a refund for an unauthorised transaction, we’ll make sure you receive this no later than the end of the next business day.

Charges

The fees, limits and restrictions which apply to each card are set out below:

Fees and limits	Sterling	Euro	US Dollar
Fee for each replacement card	£7.50	€10	$12
Foreign exchange fee	2.75%	2.75%	3.00%

Third Party Providers

You can choose to allow a Third Party Provider (TPP) to access information on your account, to combine and display information about your account with information from accounts you have with other payment service providers, and, if applicable to your payment instrument, to make payments for you from your account, provided the TPP is authorised by the FCA or another European regulator and you have given your explicit consent.

If you are thinking of using a TPP, it is important you check with the regulator whether it is authorised before you use it.

We can refuse or stop access to a TPP if we’re concerned it isn’t authorised or if we believe it’s fraudulent or acting fraudulently. If that happens, we’ll contact you to explain why unless we believe that would compromise our security or it would be unlawful.

Contacting you in an emergency

We may need to contact you urgently if we suspect or find fraudulent activity has occurred on your account (provided we are not prohibited from doing so by law) or if we suffer a security threat. To do so, we may (for example) send you a text message instead of calling or emailing you, if we think this is the quickest way to contact you. When we contact you, we will also give you information on how you can minimise any risk to your payment instrument depending on the nature of the security threat.

We’ll use the same contact details which you have already provided us with when contacting you. You must inform us immediately if your personal details or contact information change.