General Information:
Please sign the back of this Card immediately. This Card is not valid until signed. By signing, accepting or using this Card, you agree to be bound by this Agreement.
You may use this Card to make purchases or lease of goods and services at select merchants that accept Visa Debit subject to the conditions and limitations contained in this Agreement, any imposed by the merchant and specific program or purchasing limitations appropriate to the Card as noted on any Card materials. NOTE: THIS CARD CANNOT BE USED AT ALL MERCHANTS THAT ACCEPT VISA DEBIT CARDS.
The merchants where you can use this Card are subject to change without notice. Reasonable efforts have been made to ensure that information regarding participating merchants is accurate. However, Swift is not responsible for errors or omissions or any decision made by any merchant to fail or refuse to honor the Card. If you attempt to use the Card at a non-participating merchant, a properly authenticated transaction will be declined. If, for any reason, however, a purchase is completed at a non-participating merchant or should a transaction greater than the available Card balance be processed, you will be responsible to Swift for the full amount of the purchase.
This Card is valid from receipt to the last day of the month of the expiration date embossed on the front of this Card. Prior to the expiration, however, we may terminate use of the Card for any reason and without notice to protect the interests of the Bank. Upon expiration of this Card, User agrees that any unused value will be forfeited.
This Card is valid for the dollar amount printed on the front of this Card and/or loaded at the time of issuance. No additional value may be added to this Card.
When you use this Card, the amount of the purchase plus any fee will be deducted from the unused monetary value on this Card. In any case where your transactions exceed the value on your Card, you agree to pay on demand the amount in excess.
If the amount of value available is not sufficient to cover your purchase, the transaction will be declined. Some retailers may allow you to use two forms of payment for a purchase. For purchases exceeding the Card balance, pay the difference by other means first (check, cash, credit card), then use this Card.
Neither the Bank nor Swift will issue a periodic statement on your Card. You may obtain real-time transaction and balance information by accessing the customer service website at www.spendclique.com or by calling customer support at 1-866-230-3809.
Be careful with your Card. THIS CARD IS LIKE CASH and could be used by anyone who holds it. If your name is not embossed on the front of the Card, please take extra precautions. Please write down your Card number and keep it in a safe place in case your Card is lost or stolen. In the event of loss, immediately call the customer support center at 1-866-230-3809. Your Card will be closed and blocked from future purchases. We will reissue you a new Card for the unused balance less a $10.00 reissue fee.
When making an internet purchase, the merchant may perform a billing address verification to complete the purchase transaction. You may need to provide the merchant with an actual billing address for the Card at the time the order is placed. Please use the address that is printed on the front of this Card carrier.
Credit vs. Debit: Even though the front of your Card may say “DEBIT,” select “CREDIT” if asked to choose. Your Card is signature-based and does not have a PIN.
THIS CARD HAS NO CASH ACCESS.
Certain merchants and/or the Bank may increase the purchase authorization request or place a “hold” on your Card’s available balance to accommodate for potential card overdrafts. These may include transactions from specific merchants or merchants belonging to certain merchant categories such as restaurants, hotels, car rental agencies, cruise lines and mail order companies.
Prepaid Card Fee Schedule:
Card Reissuance Fee- $10.00 Fee charged for the replacement of a Card for any reason. The new Card will be reissued for the unused balance less $10.00.
Monthly Service Fee- $2.50 As allowed by applicable state law, this is a monthly service fee on your Card account. As a courtesy, this fee will be waived up to the expiration date printed on the face of your Card.
Contact Us:
If you have any questions regarding balances, transactions, merchant disputes or participating merchants, you can call us at 1-866-230-3809 or visit us at www.spendclique.com Live operator agents are available 24/7/365 for questions or the resolution of any disputes.
Terms and Conditions:
Definitions:
“Bank” means The PrivateBank and Trust Company, which may also be referred to as the “Issuer” or “Us”, as issuer and owner of the Card.
“Card” means the Visa Prepaid Card provided to you.
“Card Program” means the Card related services marketed or made available to you, subject to the terms and conditions of this Visa Prepaid Card Cardholder Agreement.
“Transaction” means a request by a User to make purchases for goods or services at a retail merchant location, which is either authorized or denied by the Bank.
“You” and “your” means the Card User or Recipient who requested the issuance of this Card and is the person to whom the Card was issued.
Nature of the Card: This Card represents a general liability of the Bank. The money paid is not a deposit and does not establish a separate individual account with the Bank. This Card is a bank insured product and carries deposit insurance. You cannot link the Card to any deposit or credit account you may have at the Bank or any other financial institutions. When the Card’s monetary value has been used up or the Card has expired, please destroy the Card by cutting it in half through both the magnetic strip and the Card number embossed on the face of the Card. The Bank reserves the right to revoke any Card on which the User has attempted to charge more than the prepaid amount or remaining unused monetary value accessible by the Card or for any other reason to protect the interest of the Bank.
Fees: You agree to pay all of the fees charged by the Bank for the Card, including transaction fees or Card Program Service Fees applicable to any use of your Card. You also agree to pay any fees imposed by others for purchases such as transaction fees, handling fees, etc. You also agree to pay fees associated with reissuing Cards on your behalf.
Assignment: In connection with any assignment or other transfer of a Card to an authorized User or any other person, this Agreement shall automatically be
transferred to, and shall be binding upon such new holder or User of such Card, and such persons, his/her agents, legal representatives, heirs and estate.
Ownership: Although your Card is serviced by Swift Prepaid Solutions, Inc. (“Swift”), it is issued by The PrivateBank and Trust Company pursuant to a license from
Visa U.S.A. Inc. User agrees to surrender the Card upon request and agrees not to alter, deface or otherwise modify this Card or any media therein contained.
Limited Liability: The Card is issued by The PrivateBank and Trust Company and is serviced through Swift. Except as required by applicable law, Swift, the Bank and their affiliates shall have no liability, of any kind whatsoever, to you for performing or failing to perform services in connections with this Agreement, unless taken with malice or in bad faith. Without limiting the above, the Bank, Swift and their affiliates shall not be liable for the delays or mistakes which happen because of any reason beyond their control, including but not limited to acts of civil, military, or banking authorities, national emergencies, insurrection, war riots, terrorists, failure of transportation, communication or power supply or malfunction of or unavoidable difficulties with equipment.
FDIC Insurance: This Card is a general obligation of the Bank and does not create a deposit account. This Card is insured by The Federal Deposit Insurance Corporation, but is not a deposit at the Bank or any of their affiliates.
Governing Law and Jurisdiction: This Agreement and all arbitration proceedings will be governed by the laws of the United States and the laws of the State of Illinois, without regard to conflict of law doctrine principles or the location of residence of any User, or place where the Card is issued.
Changes to this Agreement: This Agreement constitutes the entire Agreement between the Bank and any User regarding the use of the Card. The Bank may delay or waive any of its rights at any time without waiving any of its rights at any future time. Except as otherwise required by applicable law, the Bank may change this Agreement, and its related services at any time. Amendments to this Agreement will be effective immediately as posted on the website at www.mycardbalance.com.
Severability: If any term of this Agreement is invalid, changed by applicable law or declared invalid by order of a court, the remaining terms of this Agreement will not be affected, and this Agreement will be interpreted as if the invalid terms had not been placed in this Agreement.
Privacy Statement: Your specifically identifiable account information will not be used or sold for any reason other than for the purchase or servicing of the Card account, compliance with government, banking or court orders, or to minimize the risk and protect the interest of the Bank.
International Transactions: Transactions made in currencies other than US Dollars will be converted to US Dollars by Visa and may include fees charged directly by the Bank. The conversion may occur on a date different than the transaction date. You agree to pay the converted amount which includes the rate of exchange between the foreign currency and US currency in effect one day prior to the processing date, increased by 2%.