Principal terms & conditions for the use of single-load
Heritage Gift Cards


This is a summary of the Terms & Conditions included in the Product Disclosure Statement. If you would like more information about your card, please visit www.heritagebankgiftcard.com.au.


Agreeing to these terms
Your signing the signature panel on the back of the card, or your activating the card, or your offering the card to a merchant in payment for goods and/or services signify your acceptance of the Terms & Conditions.

Where the card may or may not be used
The card can be spent online or in about 500,000 places in Australia and 28 million overseas: anywhere a VISA prepaid card is accepted, provided the merchant can process it electronically. Some merchants do not accept any VISA prepaid cards. The card can not be used for mail or telephone orders, for gambling transactions, for illegal transactions, nor at ATMs. If used overseas, Visa's foreign exchange fee of 3% of the value of the transaction will apply.

Purchases using the card
Swipe the card. Choose CREDIT. Sign the docket: this card does not have a PIN. You may make any number of purchases until the balance has dropped to zero. No change will be given.

Checking your card's available balance and transaction history
You can check your card's available balance or view your purchases using the card at any time by visiting www.heritagebankgiftcard.com.au or by phoning 1800 174 239. Enquiries to the web site are free, but a fee may apply if you phone. You will need to enter your card number and your four-digit authentication code to access these details. When asked to enter your 4 digit code, please enter the four digits (not your date of birth).

Validity and expiry of the card.
The expiry date is shown on the front of the card. After its expiry any purchase authorisation requests will be declined, and any remaining balance will be forfeited.

No cash advances or refunds
You may not obtain any cash advance with your card or redeem your card for cash or return the card for a refund. The card is not linked to a bank account or similar account in your name, and the available balance on the card does not represent property of yours. The issuer of the card, Heritage Bank Limited ABN 32 087 652 024 AFSL 240984, deals with the available balance according to its arrangements with the company which requested that you be issued with the card.

Lost or stolen or damaged card
You should treat an activated card as if it were cash. If you lose the card, or if it is stolen, you may phone 1800 174 239, so the card can be disabled. We will not reimburse you for any transactions conducted by an unauthorised person prior to your informing us of the card's loss. You will be protected from any subsequent loss if you satisfy certain conditions, and the Product Disclosure Statement has more information about this. If the available balance on the lost, stolen or damaged card exceeds $15 at the time you phone, you may order a replacement card, for which an administration fee of $15 will be charged by deducting it from the card's balance. Any claim for an apparently fraudulent transaction on a card, must be lodged within 90 days of the date of the disputed transaction. All claims after this date will be denied.

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. 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. There are other limitations on our liability as set out in the Product Disclosure Statement.

Privacy and confidentiality
We adhere to the National Privacy Principles. We will not disclose your personal details to anyone except for the purpose of managing and processing this prepaid card business, or as required by law. Thus information may be disclosed to contractors or third party service providers who supply to us administrative, telecommunications, processing or other services in connection with prepaid cards. Those contractors or third party service providers may be outside Australia, and you consent and agree that information may be disclosed to those parties for the purpose of managing and processing this prepaid card business.

Changes to Terms and Conditions
We reserve the right to change the Terms & Conditions at any time. This web site www.heritagebankgiftcard.com.au displays the current Terms & Conditions.