Terms and conditions


OR GO TO WWW.TEENCHOICECARD.CO.UK IMPORTANT INFORMATION: Please read this Agreement carefully before using your Card. Your purchase and use of this Card constitutes your agreement to these terms and conditions.


  1. Definitions & Interpretation
Account The electronic money account associated with your Card
Agreement These terms and conditions relating to the use of your Card(s) as amended from time to time. 
Available Balance The value of unspent funds loaded onto your Account and available to use.
Business Day Monday to Friday, 9am to 5pm CET, excluding bank and public holidays in Gibraltar.
Card The prepaid card issued to you to be used in accordance with this agreement.
Cardholder The Purchaser of the Gift Card and all subsequent holders of the Gift Card.
Customer Services The contact centre for dealing with queries about your Card and Account. You can contact Customer Services by:
calling +44 (0)344 381 5056 (your network provider may charge a fee for calling this number); e-mailing info@teenchoicecard.co.uk; or writing to Client Support, Choice Card Limited, Westside, London Rd, Hemel Hempstead HP3 9TD, United Kingdom
Fee Any fee payable by you as referenced in the Fees & Limits Schedule.
Fees & Limits Schedule The schedule contained in this Agreement.
Merchant A participating retailer or any other person that accepts e-money. For a current list of participating retailers please visit the website.
Program Manager EML Payments Europe Limited, Latham House, 6th Floor, 33/34 Paradise Street, Birmingham, B1 2AJ, United Kingdom
Scheme MasterCard
Transaction Using your Card to make a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of your Card.
Website http://www.teenchoicecard.co.uk
we, us or our Transact Payments Limited a company incorporated in Gibraltar with registered address 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 and company registration number 108217 and authorised by the Gibraltar Financial Services Commission as an electronic money institution or the Programme Manager as applicable.
you or your You, the person who has entered into this Agreement with us and any subsequent Cardholder.

  1. Your Agreement, Card and Account
    1. 1 Your Card is issued by us pursuant to a license from the Scheme and your rights and obligations relating to the use of the Card are subject to this Agreement. 

    2. 2 Your Card is an e-money product; it is not a credit, charge or debit card or connected in any way to your bank account. 

    3. 3 Certain limits apply to the Card. Unless the Card has a fixed balance as denoted on the card face or packaging, a maximum value of £200 (where permitted) may be loaded onto the Card at the time of purchase and the minimum load value is £5. Additional amounts may not be loaded onto the Card at any time and interest will not be payable in respect of Card balances. 

    4. 4 You may use the Card, in accordance with any instructions issued by us from time to time, until your Available Balance reaches zero or your card expires, at which point this Agreement will automatically terminate and your right to use the Card will cease. 

    5. 5 You will have only one Account where your Available Balance is located.
    6. 6 The most recent version of the Agreement can be found on the Website.
  1. Using Your Card
    1. 1 Your use of the Card is subject to the applicable Fees detailed in the Fees & Limits Schedule, which shall be deducted from the Available Balance. For the avoidance of doubt, you are not able to use your Card at ATMs or to withdraw cash. 

    2. 2 You can use the Card at any Participating Merchant who accepts the applicable Scheme to make purchases in-store, or over the phone if accepted by the Merchant, unless we inform you otherwise. 

    3. 3 Your Card cannot be used where Merchants are unable to obtain online authorisation that you have sufficient Available Balance for the Transaction. We accept no liability if a Merchant refuses to accept payment using the Card. 

    4. 4 You must not use the Card for:
      1. pre-authorised regular payments; or 

      2. any illegal purposes 

  1. Authorising Transactions
    1. 1 You will need to authorise each Transaction so that we can check it is genuine by, where applicable, signing a sales voucher or providing the Card details and/or providing any other details requested.
    2. 2 The time of receipt of a Transaction order is when we receive it. If a Transaction order is received after 4pm on a Business Day then it will be deemed to have been received on the next Business day.
    3. 3 Once a Transaction has been authorised by you, it cannot be revoked. Within the EEA, we shall ensure the cash transfer to the Merchant’s payment service provider within 1 Business Day following the day on which the Transaction order is received or within 4 Business Days if the Transaction is in a currency other than Sterling or Euro. This condition 5.3 only applies if a Merchant’s payment service provider is located within the EEA and the payment services being carried out are in the currency of an EEA Member State.
    4. 4 Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems or websites. Please contact Customer Services to notify us of any problems you are experiencing using your Card or Account and we will endeavour to resolve any problem.
  1. Managing & Protecting Your Account and Card
    1. 1 You are responsible for your Card, and any related security details and must take all reasonable measures to keep them safe and entirely confidential.
    2. 2 Failure to comply with this condition 5 may affect your ability to claim any losses in the event that we can show that you have intentionally failed to keep the information safe or you have acted fraudulently, with undue delay or with gross negligence. In all other circumstances your maximum liability shall be as set out below at clause 9.
    3. 3 If you believe that someone else knows your Card security details, you must contact Customer Services immediately.
  2. Cancellation
    1. 1 You may terminate your Card at any time by contacting Customer Services and exercising your refund rights under clause 8.2. You will not be charged for cancelling your card but a Refund Fee, set out in the Fees & Limits Schedule, may apply if you choose to redeem your Available Balance.  
    2. 2 Once we have received all necessary information from you (including relevant due diligence information) and all Transactions and applicable fees and charges have been processed and deducted, we will refund any Available Balance to you provided that:
      1. you have not acted fraudulently or with gross negligence or in such a way as to give rise to reasonable suspicion of fraud or gross negligence; and 

      2. we are not required to withhold your Available Balance by law or regulation, or at the request of the police, a court or any regulatory authority. 

    3. 3 Once your Card and Account have been cancelled, it will be your responsibility to destroy your Card.
  3. Expiry & Refund
    1. 1 Your Card is valid for 12 months from the activation date after which it expires.
    2. 2 Notwithstanding any expiry date, you can terminate this agreement at any time, and the funds on your Card shall be available for refund by contacting Customer Services at any time up until 6 years of the date of expiry. When we process your refund request, we may require you to provide us with information and/or documents in order to verify your Personal Details in accordance with legal requirements.
      A refund Fee, set out in the Fees & Limits Schedule, may apply if you request refund of all your Available Balance before the expiry date on your Card or more than 12 months after the expiry date on your Card.

    3. 3 We shall have the absolute right to set-off, transfer, or apply sums held in the Account or Cards in or towards satisfaction of all or any liabilities and fees owed to us that have not been paid or satisfied when due.
  1. Termination or Suspension of your Card and Account
    1. 1 We may terminate this agreement at any time:
      1. by giving you two month’s advance notice on the Website 

      2. with immediate effect if:
        1. we discover any of the information that you provided to us when you applied for the Card was incorrect or false; or 

        2. you fail to provide the Personal Data necessary for us to comply with our legal obligations as an e-money issuer and to fulfil this Agreement; or 
        3. you have breached this Agreement or we have reason to believe that you have used or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your transactions due to the actions of third parties. 

    2. 2 We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your transactions due to the actions of third parties.
    3. 3 In the event that we do suspend or terminate your Card then we may advise anyone involved in the Transaction if a suspension has taken place.
  1. Loss or Theft of your Card
    1. 1 You are responsible for protecting your Card as if it were cash in your wallet – if it is lost or stolen, you may lose some or all of the money on your Card. in the same way as if you lost your wallet unless you contact us as specified in this clause.
    2. 2 You must contact us without delay by calling Customer Services if you know or suspect that a Card is lost or stolen or that any Card related security details are known to an unauthorised person or you think a transaction has been incorrectly executed.
    3. 3 You shall be liable for up to a maximum of [£50] of losses due to unauthorised transactions made before you informed us about the theft or loss of the Card. If our investigations reveal that you authorised a disputed transaction or that you acted fraudulently or negligently (for example, by not keeping your Card), you may be liable for any loss we suffer due to use of the Card.
    4. 4 Once a loss or theft is reported, use of the Card shall be blocked to avoid further losses.

    5. 5 You agree to cooperate with our agents, any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card.
    6. 6 We will refund the amount of any unauthorised or incorrectly executed Transaction immediately unless we have any reason to believe that the incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud.
  1. Payment Disputes
    1. 1 If you dispute a Transaction that you have authorised and which has been processed on your Card, you should settle this with the person you bought the goods or services from; we are not responsible for the quality, safety, legality or any other aspect of goods or services purchased with your Card. 

    2. 2 If you have reason to believe that a Transaction for which your Card was used was unauthorised or allocated to your Account in error, you may ask us to investigate the Transaction. If we investigate the Transaction, the disputed amount will be unavailable to spend until our investigation is complete and if we receive information that proves the Transaction was genuine, this will be deducted from your Available Balance. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand. 

  1. Foreign Exchange
    1. 1 If you use your Card in a currency other than the currency in which your Card is denominated, the amount deducted from your Available Balance will be the amount of the Transaction converted to your Account currency using a rate set by the Scheme on the date the Transaction is processed. Exchange rates can fluctuate and they may change between the time a Transaction is made and the time it is deducted from your Available Balance. You may also be charged a foreign exchange Fee as set out in the Fees & Limits Schedule. 

    2. 2 Please refer to the following Scheme website (as applicable) for more information on the applicable exchange rates: 
  1. Our Liability
    1. 1 We shall not be liable for any loss arising:
      1. from any default resulting directly or indirectly from any cause beyond our control, 
including but not limited to, a lack of funds and/or failure of network services and 
failure of data processing systems; 

      2. from any loss of profits, loss of business, or any indirect, consequential, special or 
punitive losses; 

      3. for goods or services that are purchased with the Card; and 

      4. for any damages due to loss, fraud or theft that you have reported to us after 13 
months of the event. 

    2. 2 Where the Card is faulty due to our default, our liability shall be limited to replacement of the Card;
    3. 3 Where sums are incorrectly deducted from your Available Balance due to our default, our liability 
shall be limited to payment to you of an equivalent amount. 

    4. 4 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise 
are expressly excluded. 

    5. 5 The above exclusions and limitations set out in this paragraph shall apply to any liability of our 
affiliates such as the Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement. 

  1. Complaints
    1. 1 Should you wish to complain about any aspect of our service please contact our Customer Service team detailing the nature of your complaint. They will be pleased to help and explain the complaints procedure in more detail. 

    2. 2 If having received a response from our Customer Services team you are unhappy with the outcome you can escalate your complaint to our Card issuers Transact Payment Limited at complaints@transactpaymentslimited.com. 

    3. 3 In the unlikely event that we are unable to resolve your issue you have the right to refer your complaint to the Financial Services Commission at: Payment Services Team, Financial Services Commission, PO Box 940, Suite 3 Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar or email psdcomplaints@fsc.gi. 

  1. Personal Data
    1. 1 . 
TPL is the Data Controller of your Personal Data and will collect certain information about the purchaser and the users of the Card in order to operate the Card program if you register those details on the Website. We will manage and protect your personal data in accordance with all applicable data protection laws. Your provision of your Personal Data and our processing of that data is necessary for each of us to carry out our obligations under this Agreement. At times, the processing may be necessary so that we can take certain steps, at your request, prior to entering into this Agreement. If you fail to provide the Personal Data where we request it, we will take steps to terminate this Agreement in accordance with clause 8.1 (ii)(b) above.
    2. 2 Unless you have permitted otherwise, your personal data will not be used for marketing purposes by us or our commercial partners, nor will it be shared with third parties unconnected with the Card Scheme.
    3. 3 For full and comprehensive information about when and why we collect personalinformation about you, how we use it and the conditions under which we may disclose it, please refer to our Privacy Policy which is provided to you at the time we collect your personal data and
      which is available on the Website and below.
  1.  Changes to the Terms and Conditions
    1. 1 We may update or amend this Agreement (including our Fees & Limits Schedule). Notice of any changes will be given on the Website at least 2 months in advance. The Agreement presented on the Website is leading at all times.

    2. 2 If you do not agree with the changes to the Agreement, you may at any time within the notice period terminate your Agreement in accordance with our cancellation policy (see clause 6) and can redeem any unused Available Balance at that time without incurring a Fee. 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. 

    3. 3 If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practical. We will update our Agreement to reflect the new regulatory requirements when they are next reprinted.
  1. Miscellaneous
    1. 1 This Agreement is governed by Gibraltar law and you agree to the exclusive jurisdiction of the courts of Gibraltar.
    2. 2 Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.
    3. 3 The Card is a payment service product and not a deposit or credit or banking product and, as such is not governed by the Deposit Security Scheme of Gibraltar. We will, however, safeguard funds so that they are protected in accordance with applicable law if we become insolvent.
    4. 4 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.
    5. 5 You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or have expired and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits under this Agreement to a third party and may subcontract any of our obligations under this Agreement.
Fees and Limits Schedule
Fee Type Fee
Refund Fee £4.95