PRX Loyalty Digital Mastercard Gift Card Terms and Conditions

You agree to be bound by these Terms and Conditions by using the Card in any capacity including, but not limited to, using any Card features, provisioning the Card into your Device, or completing a transaction with the Card.

If you allow other users of the Card, you must provide them with these Terms and Conditions. The Card remains our property.

Use and access to the Tokenised Card is subject to your respective Device capability. This means your Device must have the ability to store the Card and make a purchase using a Digital Wallet.

The Card is a single-load digital Mastercard Prepaid gift card that you can use for purchasing goods and services where Mastercard Prepaid gift cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions).

You may add the Card to a Digital Wallet. Use and access to the Tokenised Card is subject to your respective Device capability. This means your Device must have the ability to store the Card and make a purchase using a Digital Wallet.

The Card Details will be available to view on the App.

• The Card is not reloadable.
• The Card is not a credit card and nor is it linked to a deposit account with us.
• The Card cannot be used to obtain or redeem cash, or to withdraw cash at ATMs or over the counter at financial institutions.
• The Card cannot be cancelled.
• The Card cannot be used for making direct debit, recurring, or regular instalment payments.
• Use of 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 where the authorisation has been declined because of an act or omission on our part.

Transaction and balance limits apply to the Card. These limits may vary depending on the event the Card is distributed in connection with, and what is communicated to you by PRX Loyalty in connection with that event. The applicable limits are determined by PRX Loyalty.

Details of the applicable transaction and balance limits for your Card will be made available to you at or before the time the Card is issued, including in event materials, communications, or other information provided to you. The maximum Card balance at the time the Card is issued can be viewed on the App. Merchants or other providers of facilities may impose additional limits.

We do not provide paper statements. Card transaction activity and balance information can be found by accessing the App.

You are responsible for checking your transaction history and knowing the available balance for the Card.

You are responsible for ensuring the availability of sufficient funds for all transactions. The Card cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees. Some merchants may not allow you to combine multiple payment types to complete the transaction.

The Card is issued with a system expiry of one (1) month from the date of issue, as shown on the Card in your Digital Wallet on your Device. However, where the Card is intended for use at a specific event only, we may cancel the Card earlier, including as soon as one (1) day after issuance or on completion of the event.

Details of the applicable validity period for your Card will be made available to you at or before the time the Card is issued, including in event materials, communications, or other information provided to you. To check the Card’s expiry date, you can go to the App or view the expiry date on the Card in your Digital Wallet.

The expiry date shown represents the maximum validity period of the Card, and if the Card is cancelled earlier in accordance with any communications provided by PRX Loyalty, then the expiry date shown on the App or on the Card in your Digital Wallet shall not apply. Once the Card is cancelled or expires (whichever occurs first), it cannot be used and will be declined if presented for use. Any remaining balance on the Card at the time of cancellation or expiry will be forfeited. We will not give you any notice before the Card is cancelled or expires. The Card cannot be replaced.

The Card is like cash. Unauthorised transactions can happen using the Card if the Card is lost or stolen, a personal identification number (“PIN”) is revealed to any other person, or because of fraud.

We have no obligation to replace or refund value for misused, lost, stolen or damaged Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions.

You are responsible for all transactions on the Card, except where there has been fraud, negligence or wilful misconduct by us (including that of our officers, employees, contractors or agents).

• We are not liable for any loss or damage arising out of or related to the use of the Card except to the extent caused by our fraud, negligence or wilful misconduct.
• You are responsible for transactions initiated by another person if you permit someone else to use the Card.
• We are not responsible for the availability of merchants who allow the use of the Card or Device for payment, or for reduced levels of service caused by failures of third-party communications and network providers.
• We are not liable if you have other cards stored on your Device and you inadvertently use the Card when using your Device as a payment method.
• We are not liable for the use, functionality or availability of a Device, or if your Device security measures are compromised, you allow others access to your Device or otherwise circumvent the security measures of your Device.

Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card or in-store credit.

If the Card expires or is revoked before you have spent any funds resulting from a refund then you will have no access to those funds.

If you notice any error relating to the Card or have a query about the Card, you should notify PRX Loyalty immediately on 0401 545 142 or email admin@prxvault.com.

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 or have a complaint you can email admin@prxvault.com.

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.

We do not charge any fees for using the Card. However, 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.

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.

If you lodge a dispute in relation to a transaction on the Card and the dispute is unsuccessful, a disputed transaction fee of $11.00 may be charged to you for each such dispute.

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.

Our Privacy Policies are available at the following links:

• EML: emlpayments.com/privacy
• PRX Loyalty: prxvault.com/privacy

We reserve the right to change these Terms and Conditions at any time. Except where we are required by a law to do so, or the change is materially adverse to you, you will not receive advance personal 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.

We may implement changes without prior notice if the change is made for one or more of the following reasons:

• To comply with any change or anticipated change in any relevant law, code of practice, or guidance;
• To reflect any decision of a court, ombudsman or regulator;
• For security reasons where reasonably necessary to address security concerns or vulnerabilities.

Any changes to these Terms and Conditions can be viewed on the App.