Cardholder Agreement - Terms and Conditions
(Version November 2024)
INFORMATION ABOUT WHO WE ARE AND THIS AGREEMENT
- These terms and conditions apply to gift cards issued by EML Payments (EU) Limited (company number 560902), a company with registered office at 2nd Floor La Vallee House, Upper Dargle Road, Bray Co. Wicklow, Ireland ("EML") for use at McArthurGlen La Reggia Designer Outlet (“La Reggia”) in Italy.
- In this agreement, "we", "us" or "our" refers to EML, unless otherwise stated. "You" or "your" refers to the Cardholder.
- The Distributor of this Card is McArthurGlen La Reggia Designer Outlet, S.P 336 Sannitica, Marcianise, 81025, Italy.
- This document establishes an agreement between you and us and governs the possession and use of your Gift Card. This agreement and all communications between you and us will be in English.
- By purchasing or using a Gift Card, you indicate to us that you accept all of the terms and conditions of this agreement. The Gift Card holder is subject to the terms and conditions of this agreement, which shall be permanently available to the public in accordance with the terms set forth in section 16 below.
- GIFT CARD
- EML cannot guarantee that a particular retailer will accept the Gift Card. Please check with retailers before attempting to make a transaction.
- Our Gift Cards do not fall within the scope of the regulation of payment or electronic money services. The purchase of a Gift Card does not constitute a deposit. The balance of a Gift Card does not bear interest.
- This Gift Card can only be used at La Reggia in Italy. Under no circumstances may they be used in a Centre other than the Centre of purchase of the Gift Card.
- The Gift Card and its balance are valid for a period of twelve (12) months from the date of purchase (or the date of activation). Your Gift Card will cease to be valid twelve (12) months from the date of purchase or activation (if purchased on the internet). On that date, the Gift Card will cease to function, and you will no longer be entitled to use it.
- If the Gift Card was purchased through an electronic point of sale, the maximum value that can be loaded on the Gift Card is €500. The Gift Card will be activated at the point of sale. If the Gift Card was purchased through a card dispensing kiosk or mobile point of sale, the maximum load limit is €500. The Gift Card will be activated at the point of sale and the money will generally be available for use one hour after purchase.
- No additional funds may be loaded onto your Gift Card after the initial purchase, except in the event that a retailer refunds a transaction on the Gift Card. Refunds usually take several days to appear on your Gift Card.
- IDENTIFICATION REQUIRIMENT
- We may ask you for personal information and some proof of your identity before issuing a Gift Card in your name. We do this to prevent fraud, money laundering and other financial crimes. We also use this information to identify you and your Gift Card in the event of loss or theft. We will retain this information as per our legal and regulatory obligations.
- If you do not provide us with the requested proof of identity, or if, in our sole discretion, the proof you have submitted to us is not satisfactory, we reserve the right not to issue you a Gift Card. The decision will be final, and we will not be obliged to justify our decision to refuse to issue a Gift Card.
- DATA PROTECTION
4.1 EML is the issuer of your Gift Card. This means that EML is the controller of your personal data in relation to providing the Gift Card service. We are committed to ensuring that all personal information we hold about you is safe and secure, and used responsibly at all times.
4.2 Information about the Gift Card, or transactions made with the Gift Card (which may include your personal information, if you have provided it to us) may be disclosed to third parties, where required by law, to enable you to operate with the Gift Card and process transactions, to prevent financial crime, to provide you with the services you request and, if necessary, to notify you of any changes to the service. Disclosure may also be made to countries outside the European Economic Area ("EEA").
4.3 You have a number of rights under applicable data protection law, including the right at any time to request details or a copy of any Personal Data that we hold about you and to have inaccuracies in that information corrected. How you can exercise these and other data protection rights is set out in our Data Protection Notice, available on our website - https://www.emlpayments.com/privacy/.
- FEES AND CHARGES
The following table describes the fees and charges that apply to the purchase and use of the Gift Card:
|
Fee |
Cost |
Frequency |
|
Activation Fee |
€0 |
Per Card Activation |
|
Replacement Fee |
€0 |
Per Card Replacement |
|
Redemption Fee |
€9.95 |
Per Card Redemption |
- HOW TO USE YOUR GIFT CARD
- We shall be entitled to assume that you authorized a transaction where:
- the magnetic stripe of the Gift Card was accepted by the
- there is a signed proof of sale.
- Relevant information is provided to the retailer that allows the transaction to be processed.
- Once we have received your instruction to proceed with the transaction, it cannot be stopped or revoked. Please see section 14 of this agreement for more information. We will deduct the value of the transaction from the remaining balance of the Gift Card. The retailer or service provider that has accepted your Gift Card for payment will generally receive payment within five business days.
- The Gift Card can be used in the form of full or partial payment for purchases. In the case of partial payment, the person using the Gift Card must pay the outstanding amount of the purchase by alternative means, for example, cash or debit card or credit. You must check with the Retailer if this is allowed.
- RESTRICTION ON THE USE OF GIFT CARDS
- You should not attempt to use your Gift Card at non-participating retailers .
- A gift card:
- may not be topped up after use;
- cannot be used to withdraw cash via ATMs, banks or other institutions;
- is not permitted to be used for the purposes of purchasing foreign currency;
- is not permitted to be used for the purpose of purchasing other Gift Cards;
- is not permitted to be used for mail order, telephone, internet or other non – face – to – face
- A gift card:
- is not linked to a bank account.
- is not a cheque guarantee card.
- is not a charge card.
- is not a credit
- The balance of a Gift Card does not generate
- The use of a Gift Card for identification purposes is not permitted.
- A Gift Card cannot be used for regular pre-authorized payments, for gambling, or for
any illegal purpose.
- We may restrict the use of your Gift Card:
- if we have reasonable grounds to believe that the Gift Card is being used or associated with
in any way with fraudulent or other illegal activities.
- if we believe that you have breached or otherwise failed to comply with these terms and conditions; or
- in the event of exceptional circumstances that prohibit the normal operation of the Card Gift.
- MANAGING YOUR GIFT CARD
- The available balance on the Gift Card will be reduced by the value of each payment made with the Gift Card. Where you have used the Gift Card to pay for goods or services, the value of the transaction plus any relevant fees or charges will be paid to the retailer or service provider through the payment scheme network.
- If you attempt to make a payment for a value that exceeds the remaining balance of the Gift Card, the transaction will be declined. If you know the remaining balance of your Gift Card, you may be able to make a partial payment, subject to the Retailer. Please check with the Retailer before attempting this.
- To check the available balance on your Gift Card or view a statement of recent transactions, you can:
- access https://www.getmybalance.com and use the balance inquiry service;
- contact customer service in accordance with section 14 below (please note that calling rates may apply, no higher than those of a standard domestic call; please check with your telephone service provider); or
- scan the QR code that appears on the back of the Gift Card (where applicable), using your smartphone (compatible with devices using Apple iOS and Android phones, or Windows). Please note that data rates may apply. Check with your telephone provider.
- Redemption Fees: If the Cardholder requests a redemption while the Gift Card is active, i.e. before the Expiry Date, or after more than fourteen (14) days of the card activation date, a redemption fee of €9.95 will be deducted from the value of the redemption remitted to the Cardholder. Any redemption will be remitted only to the Cardholder by transfer to the bank account nominated by the Cardholder on the redemption form and matching the name for which identification was provided. A request for redemption may take up to thirty (30) days to process, though we will make reasonable efforts to process the request sooner.
- GIFT CARD EXPIRATION AND BALANCE RESET
- Your Gift Card will cease to be valid twelve (12) months from the date it was activated. We refer to this date as the expiration date of your Gift Card. On that date, the Gift Card will cease to function, and you will no longer be entitled to use it. The remainder of the available balance on your Gift Card will be forfeited on the expiration date. Therefore, we recommend that you use the full balance of your Gift Card before it expires.
- CANCELLATION PERIOD AND REFUND PROCEDURE
- If the Gift Card is purchased over the Internet, the original purchaser of the Gift Card will be entitled to a fourteen-(14) day cooling-off period. If you purchased your Gift Card online and wish to request cancellation, please contact customer service in accordance with section 14 below.
- Funds returned to the original purchaser pursuant to section 1 will be refunded in the same form in which they were received. For example, if the original purchaser chose to pay for the Gift Card with a debit or credit card, the funds will be refunded to the same debit or credit card.
- KEEP YOUR GIFT CARD AND DETAILS SAFE
You are responsible for keeping your Gift Card and associated details secure. You must take all reasonable steps to prevent the loss, theft, or misuse of the Gift Card. Do not disclose the details associated with the Gift Card to anyone except when absolutely necessary e.g., when making a transaction or transmitting the Gift Card to another person as a gift.
- LOST, STOLEN OR DAMAGED GIFT CARDS
- If your Gift Card is lost, stolen, or damaged, we recommend that you contact Customer Service in accordance with section 14 below as soon as possible. We may ask you to provide a variety of details to confirm that you are the authorised holder of the Gift Card. Once this verification process is complete, (if necessary), we will do the following:
- block your Gift Card if you have reported it lost or stolen; or
- cancel your Gift Card if you have reported that it is
- Blocking or cancelling your Gift Card will ensure that it can no longer be used while we make the necessary arrangements, where possible, for a replacement Gift Card to be made available to you.
- You will be liable of the value of all transactions if we believe or have reason to suspect that you:
- have acted fraudulently.
- have intentionally, recklessly, or negligently, failed to keep your Gift Card or your security details safe; or
- an undue or unreasonable period of delay elapsed between the loss or theft of your Gift Card and the notification to customer service of the loss or theft.
- Upon satisfactory completion of the verification process described in section 1 above, we may arrange for a replacement Gift Card to be available to you at the relevant shopping centre or retail outlet. In the event that we are able to make a replacement Gift Card available to you, a Replacement Fee will apply as set out in section 5 (Fees and Charges).
- Replacement Gift Cards:
- will only be available for collection until the expiration date of the Gift Card that has been lost, stolen or damaged.
- will only be available if the original Gift Card that was lost, stolen or damaged was purchased at a shopping mall or retail outlet that operates an EML electronic point of sale; and
- will be valid for a period of twelve (12) months from the date the replacement Gift Card is collected.
- The cooling-off period described in section1 above does not apply to any replacement Gift Card.
- RETAIL PURCHASES AND TRANSACTION DISPUTES
- We are not responsible for the safety, legality, quality or any other aspect of goods or services purchased with a Gift Card.
- If you believe that you did not authorise a particular transaction, or if you wish to raise a dispute about goods or services purchased, you should contact La Reggia Customer Service as soon as possible within a reasonable time in accordance with section14 If an undue or unreasonable period of delay has elapsed between the occurrence of the transaction or dispute in question and your notification to customer service, we may not be able to assist you.
- Under certain circumstances, a transaction may be initiated but not completed. When this happens, it may result in the value of the transaction being deducted from the balance of the Gift Card and becoming unavailable for use; we refer to this as a pending authorisation or a block. In these cases, you must contact customer service in accordance with section 14 below and provide some proof to show that the transaction has been cancelled or reversed. In the absence of sufficient evidence, we reserve the right to impose a waiting period of seven (7) business days before the blocked amount on your Gift Card is reinstated.
- CUSTOMER SERVICE
- All inquiries regarding a Gift Card should be directed to La Reggia Customer Service:
- by calling 39 0823 510244. The use of the telephone line provided does not imply a higher rate than the rate of a call to a standard geographic or mobile fixed line.
- Communicating with La Reggia via our email at info.lareggia@mcarthurglen.com. Customer support services are available during shopping centre opening hours. You should check your shopping centre for their opening hours as they may vary.
- If you wish to make a claim in relation to your Gift Card, you must first contact La Reggia, the Distributor of this Card, using the details provided above. You will be asked to explain the reason for your dissatisfaction. La Reggia will register your complaint and investigate it in accordance with their complaints handling protocol. Once your complaint has been investigated, you will be sent a final written response.
- LIMITATION OF LIABILITY
- EML shall not be liable for:
- losses that were not foreseeable at the time of purchase of the Gift Card;
- losses that were not caused by any breach on their part (each acting
separately);
- business losses; or
- losses caused to non-consumers.
In any event the aggregate liability of EML will be limited to the value loaded onto the gift card at the time of purchase.
- CHANGES TO THESE TERMS AND CONDITIONS
These terms and conditions may be changed or modified at any time for legal, regulatory or security reasons or to allow for proper delivery of the Gift Card scheme. If changes are made, they will be posted two months before they take effect (unless we are required by law to provide a shorter notice period) and copies of the revised terms and conditions will be made available at customer service counters in shopping malls and participating retail establishments; and online at https://www.getmybalance.com.
We will assume that you have accepted any change to these Terms and Conditions unless you notify us otherwise.
- LEGISLATION AND COURTS
The laws of Ireland will apply to these terms and conditions and the Courts of Ireland will deal with any legal proceedings between you and us.