Chrisco Mastercard® Gift Card Terms and Conditions

Effective 01/12/2023.

These Terms and Conditions apply to your Chrisco Mastercard Gift Card (“Card”). It’s important you read this document carefully. The Card is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 (“EML”) pursuant to a license by Mastercard Asia/Pacific Pte. Ltd. and distributed by Chrisco Hampers Australia Limited ABN 41 080 852 535 (“Chrisco”). Chrisco has a range of Cards, as set out in clause 3 of these Terms and Conditions.

In these Card Terms and Conditions, “we”, “us” or “our” means EML and Chrisco; and “you”, “your” or “user” means the cardholder. If you acquire the Card, you will have a contract with us.

When we refer to a “Card”, it means the physical plastic Mastercard issued by EML. When we refer to “Card Details”, it means the card number, expiry date and the 3-digit CVV number (security number). Where we refer to the “Website”, it means https://www.chrisco.com.au/.

CONTACT US

CONTACT CHRISCO

Chrisco Customer Support is available during business hours via:

Phone: 1800 830 830

Email: cs@chrisco.com.au

 

ACCEPTING THE CARD AND AGREEING TO THESE TERMS AND CONDITIONS

1. You agree to be bound by these Terms and Conditions by using the Card in any capacity including, but not limited to signing the back of the Card, activating the Card, using any Card features or completing a transaction with the Card. You must give these conditions to the user of the Card if that is not you. The Card remains our property.
2. The Card may only be used by the person who has signed it. Once a Card has been signed neither your Card nor the contract between you and us is transferrable by you. We may transfer this contract to someone else. We do not need your consent to transfer our rights and will notify you in writing as soon as reasonably practicable if it is reasonable to do so. 

CARD ORDERING

1. The following are the available Cards, and the applicable last payment date and delivery date for the Card:

1. 1. AUTUM Prepaid Mastercard
      1. Last payment date (last Friday in January, delivery before 20th February).
   2. WINTER Prepaid Mastercard
      1. Last payment date (last Friday in April, delivery before 20th May).
   3. SPRING Prepaid Mastercard
      1. Last payment date (last Friday in July, delivery before 20th August).
   4. SUMMER Prepaid Mastercard
      1. Last payment date (last Friday in October, delivery before 20th November). 

1. Each Card has a value of $500 AUD at the time of purchase.  No further reloads are permitted.
2. The Card is only available if you are 18 years or older.
3. You must not order more than six (6) Cards per quarter.
4. Paying for your order; your order requires you to make regular weekly, fortnightly or monthly payments (chosen by you at the time of ordering).
5. The following relate to Card ordering:

1. How can I pay for my order?  By Direct Debit and BPay.
2. What is a Direct Debit Request? A Direct Debit Request authorises a payment to be automatically deducted from your bank account. By filling out the Direct Debit Request form in the catalogue or on the Website, or over the phone, you are authorising Chrisco to debit your payments from your chosen account in accordance with the terms of the Direct Debit Request (Direct Debit Request). At approx. 4pm on the day you have chosen (usually your pay day), our bank debits your account electronically.
3. Can I stop a Direct Debit payment? Yes, if you call Chrisco by midday the working day before your payment is due, we can stop a payment (Note this means before midday Friday for a Monday payment).
4. What happens if I can’t keep up my payments? We understand that circumstances change and if you are not able to keep paying, Contact Us to discuss your options. See Cancellation Policy in these Terms and Conditions.
5. Payments on Public Holidays? Your Direct Debit payment will come out the working day prior to the public holiday. Please note that Chrisco is located in Sydney, therefore we observe all NSW public holidays.  If you wish to skip a payment that would land on a public holiday, you will need to let us know before midday on the working day prior.  Example: where a public holiday falls on a Monday, your payments will be taken out on the Friday prior, and if you needed to skip that payment, you would let us know by midday Thursday prior.
6. Skipped or Missed Payments?
   1. If you skip or miss payments, your future payments will increase slightly, as the amount of your missed payment(s) is spread over your future payments, so that your order is fully paid by Last Payment Date. Chrisco will give you notice of the recalculated future payment amount, as soon as possible before your next payment date.
   2. We reserve the right to reduce your order in proportion to your missed payments (this may result in items being removed from your order) or to cancel your order should your payments fall too far behind. If this is necessary, our Cancellation Policy will apply.
7. Will I be charged if a payment dishonour?  Your bank, Credit Union or Building Society may charge you a fee. Chrisco will charge you a small administration fee of $3.80 to cover costs we incur as a result of the dishonour.

 CANCELLATION AND COOLING OFF

1. Order Cancellation - You may cancel your order at any time prior to the delivery of your Card. If you cancel your order within 21 days of the date of your original order confirmation (Cooling Off Period), there will be no cancellation fee. 
2. After the Cooling Off Period, Chrisco will charge you a cancellation fee as follows:

• 20% of monies paid at the cancellation date (up to a maximum cancellation fee of $150) 

1. Refund Policy. For security reasons, refunds can only be applied to the account from which the funds were received. If your account has changed, you may be required to provide proof of your accounts or be subject to additional security questions. Therefore:

1. Direct Debits payments can only be refunded directly to the bank account originally charged,
2. BPay payments can only be refunded by direct credit to your verified bank account. 

DELIVERY, PROCESSING, PACKING AND ADMINISTRATION

1. Processing & Handling & Delivery Fee –Cards are subject to $25.00 per Card processing fee (reflected already in the price of the Card). Additional fees may apply, see the Fees and Charges section of these Terms and Conditions.
2. Delivery Date – Gift Cards will be delivered in accordance with the table below:
   1. AUTUM Prepaid Mastercard
      1. Last payment date (last Friday in January, delivery before 20th February).
   2. WINTER Prepaid Mastercard
      1. Last payment date (last Friday in April, delivery before 20th May).
   3. SPRING Prepaid Mastercard
      1. Last payment date (last Friday in July, delivery before 20th August).
   4. SUMMER Prepaid Mastercard
      1. Last payment date (last Friday in October, delivery before 20th November). 

HOW AND WHERE YOU CAN USE THE CARD

1. The Card is a prepaid, single load Mastercard card that you can use for purchases of goods and services where Mastercard prepaid cards are accepted (excluding transactions at ATMs or over the counter at financial institutions).
2. The Card must be signed and activated prior to use and before the expiry date shown on the Card. To activate the Card, you must follow the activation steps set out on the letter that came with the card and at www.chriscoprepaid.com
3. The Card must be activated within the period specified on letter that came with the Card and on the Website. 
4. When using your Card at a point of sale, if required, you may press the “Credit” button to access the available balance. You may be required to use the personal identification number (“PIN”) specified on the letter that came with your Card to complete transactions over a certain value.
5. The Card is not a credit card and nor is it linked to a deposit account with us. There is no interest payable to you on the available balance on your Card.
6. The Card does not have cash out capability and you may not use your Card to obtain or withdraw cash.
7. The Card does not have any Apple Pay, Google Pay or Samsung Pay mobile application (“Device Wallet”) functionality enabled. The Card cannot be added to a Device Wallet to be used a payment method. 
8. The Card cannot be cancelled, and cannot be used for making direct debit, recurring, or regular instalment payments, including subscription services, and as a payment method on an account, for example, on UberEats. The Card may be declined at some merchants (such as gambling merchants or merchants who choose not to accept the Card). We are not liable in any way when authorisation is declined for any particular transaction except to the extent there has been fraud, negligence or wilful misconduct on our part (including that of our officers, employees, contractors or agents).

CHECKING YOUR CARD BALANCE AND TRANSACTION HISTORY

1. You acknowledge and agree that you will not be provided with paper statements. Your Card transaction activity and available balance may be found at www.chriscoprepaid.com

2. You are responsible for checking your Card transaction history and knowing the available balance for your Card.
3. You are responsible for ensuring the availability of sufficient funds for all transactions. Your Card cannot be used to make transactions that exceed the available balance. Where a purchase exceeds the available balance, you will need to pay the difference using another payment method if the merchant agrees. However, some merchants may not allow you to combine multiple payment types (such as cash, cheque or another payment card) to complete the transaction.

VALIDITY AND CARD EXPIRY

1. Once activated, the Card is valid until the expiry date as shown on your Card and available at www.chriscoprepaid.com

2. The Card cannot be used after its expiry. After its expiry, any available balance remaining on your Card will be forfeited to Chrisco, and your Card will be declined when presented for use. We will not give you any notice before this happens.

YOUR CARD, YOUR RESPONSIBILITY

1. The Card is like cash. Unauthorised transactions can happen using your Card if your Card is lost or stolen, Card Details or a PIN is revealed to any other person, or because of fraud.
2. You are responsible for all transactions on your Card, except to the extent that any loss has been caused by our fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents). If you notice any error relating to your Card, you should notify Chrisco Customer Support immediately - see the Contact Us section.
3. To protect your Card, you should:
   1. Sign your Card as soon as you receive it;
   2. Carry your Card with you whenever you can and not leave it unattended;
   3. Regularly check that you still have your Card and check your transaction history; and
   4. Not allow anyone else to use your Card after it is signed.
4. To the extent permitted by law, we have no obligation to replace or refund value for misused, lost, stolen, misappropriated or damaged Cards, except where we have breached any condition or warranty implied under consumer protection legislation or to the extent there has been fraud, negligence or wilful  misconduct by us (including that of our officers, employees, contractors or agents). You should not interpret anything in these Terms and Conditions as excluding, restricting or modifying any guarantee, condition or warranty which is implied by the Australian Consumer Law. Where we are liable for a breach of these Terms and Conditions, then our liability is limited to:

a)  the supplying of the services again; or

b)  the payment of the cost of having the services supplied again.

1. If your Card is lost or stolen, please contact Chrisco Customer Support for further assistance - see the Contact Us section.
2. Except to the extent required by law, we are not liable for any loss or damage arising out of or in any way related to the use of the Card, including:
   1. if authorisation is declined for any transaction, except where the authorisation has been declined because of an act or omission on our part;
   2. if you permit someone else to use your Card, you will be responsible for any transactions initiated by that person with the Card;
   3. the availability of merchants who allow the use of the Card as payment; and
   4. reduced levels of service caused by the failure of third-party communications and network providers.
3. We may restrict or stop the use of your Card and/or end this agreement with at least 14 days’ notice to you. However, we may restrict or stop your use of the Card and/or end this agreement immediately and without prior notice if:
   1. we have reason to suspect the Card has been or is likely to be misused;
   2. you breach any of these Terms and Conditions and we reasonably consider that this is likely to have a material impact on your ability to meet the obligations of these Terms and Conditions);
   3. we reasonably suspect any illegal use of the Card, such as fraud or criminal activity; or
   4. you gave us false, inaccurate, or incomplete information when you applied for the Card.

 

ERRORS AND COMPLAINTS

1. If we discover an error in the amount of funds loaded, reloaded, received or used for any reason, we are authorised to rectify the error without further notice to you, including but not limited to debiting the equal amount of funds found in error from your Card’s available balance.  
2. If you notice any error relating to the Card or have a query about the Card, you should initially contact Chrisco Customer Support during business hours.
3. If you have a complaint relating to the Card, please contact EML at any of the following:

Phone:      1300 739 889 from 8am – 5pm Monday to Friday (Sydney time)

Email:       support@emlpayments.com.au

FEES AND CHARGES

1. The following fees stated in the table below apply to your Card. To the extent permitted by law, some merchants 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.
2. You agree to pay and authorise us to debit from the Card balance all fees and charges listed in the table below immediately as they are incurred.
3. All fees listed above are inclusive of GST.
4. Subject to any applicable law, we may deduct from your Card’s available balance any government duties, taxes, rates or charges now or in the future charged upon or in relation to the use of your Card or transactions deducted from your Card’s available balance, whether or not you are primarily liable for such duties, taxes, rates or charges.
5. A 2.99% foreign exchange conversion fee applies to transactions in any currency other than Australian dollars and is calculated on the Australian dollar transaction amount. This will be included in the total transaction amount debited to the Card.

REFUNDS OR EXCHANGES

1. Any refunds on Card transactions are subject to the policy of the specific merchant and may be in the form of a credit to the Card, cash refund or in-store credit. If your Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction was made using your Card) then you will have no access to those funds.
2. You cannot “stop payment” on any transaction after it has been completed. If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact Chrisco Customer Support - see the Contact Us section.

 

PRIVACY AND CONFIDENTIALITY

1. Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law, and where necessary to operate the Card and process transactions. Full privacy policies can be viewed at:

EML:                     https://www.emlpayments.com/privacy.

Chrisco:                https://www.chrisco.com.au/PrivacyPolicy

CHANGES TO THESE TERMS AND CONDITIONS AND GENERAL TERMS

1. We reserve the right to change these Terms and Conditions at any time. Except where we are required by a law or a code to do so, or the change is materially adverse to you, you will not receive advance notice of such changes. If the change is materially adverse to you, we will notify you at least 14 days before the effective date of the change.  However, if the change is made for one or more of the following reasons, we can implement such change without prior notice: 

   1. to comply with any change or anticipated change in any relevant law, code of practice, or guidance;

   2. to reflect any decision of a court, ombudsman, or regulator; or

   3. for security reasons where reasonably necessary to address security concerns or vulnerabilities.

If you do not accept the updated Terms and Conditions, you should cease using the services.  Any changes to these Terms and Conditions can be viewed at the Website.

1. If we fail to exercise or delay in exercising any of our rights under these Terms and Conditions, that failure or delay does not constitute a waiver of our rights.
2. These Terms and Conditions are governed by the law of Queensland.
3. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.