E-Sign Disclosure

This E-Sign Disclosure and Consent (“Disclosure”), applies to all Communications for any Account offered through mygift.giftcardmall.com that is not otherwise governed by the terms and conditions of an electronic disclosure and consent.

The words “we,” “us,” and “our” refer to Pathward®, National Association, Member FDIC, with whom you have your Account, and the words “you” and “your” mean you, the individual(s) or entity identified on the Account(s). As used in this Disclosure, “Account” means the account you have with us. “Communication” means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with the product or service available through mygift.giftcardmall.com for your eGift
• Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims
• Privacy policies and notices

1. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided, to the extent permissible by law, by access to a web site that we generally designate in advance for such purpose.
2. How to Withdraw Consent. You may withdraw your consent to receive Communications electronically by contacting Customer Service at 1-833-889-7223 or writing to us at 10615 Professional Circle, Suite 102; Reno NV 89521. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications; however your access and use of mygift.giftcardmall.com may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent and we have your name and address, we will mail paper versions of all Communications to you at no additional cost. If you have withdrawn your consent and wish to receive electronic Communications again in the future, you may do so by contacting Customer Service at 1-833-889-7223 or writing to us at 10615 Professional Circle, Suite 102; Reno NV 89521.
3. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through mygift.giftcardmall.com or by contacting us at 1-833-889-7223.
4. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:

• an internet browser that supports 128 bit encryption;
• sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
• an e-mail account with an internet service provider and e-mail software in order to participate in our electronic Communications programs;
• a personal computer (for PC’s: Pentium 120 MHz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor: 120-MHz Base or higher), operating system and telecommunications connections to the internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.

1. Requesting Paper Copies. We will not send you a paper copy of any communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact Customer Service at 1-833-889-7223 or write to us at 10615 Professional Circle, Suite 102; Reno NV 89521. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
2. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
3. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
4. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
5. Consent. By purchasing or using a card or eGift from this site, you hereby give your affirmative consent to provide electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you.

5% Back Terms and Conditions*

When you shop at participating merchants, the Award Sponsor will add 5% of your purchase amount (including sales tax) to your Card balance. Visit www.giftcardmall.com/merchants for a list of participating merchants. The Award Sponsor will calculate earnings on a purchase by purchase basis and will round earnings amounts to the nearest whole cent (with amounts below half a cent being rounded down and amounts of half a cent or more being rounded up). Earnings generally will be added to your Card balance within 48 hours of the transaction posting.

You can continue to earn money back until the balance on your Card is less than 10 cents. At that point, you will stop earning money back (because 5% of an amount less than 10 cents is less than half a cent, and the Award Sponsor rounds earnings to the nearest whole cent).

If you return an item on which you earned money back, the Award Sponsor reserves the right to deduct the money you earned from your Card balance.

*Please refer to your card packaging to confirm whether or not your card is eligible for 5% Back Bonus offer at participating merchants. The 5% Back Bonus is provided by the Award Sponsor and is not provided or endorsed by Pathward® or Visa.

Visa Gift Virtual Account Accountholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:

10615 Professional Circle, Suite 102; Reno NV 89521 (“Address”)

www.giftcards.com (“Website”)

877-944-3822 (“Customer Service Number”) (toll-free)

IMPORTANT NOTICES:

1. GIVE THIS DOCUMENT TO THE RECIPIENT OF THE GIFT ACCOUNT FOR ANY FUTURE QUESTIONS OR ISSUES.
2. PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
3. ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON YOUR ACCOUNT. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE YOUR ACCOUNT BALANCE.
4. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE ACCOUNT, SAVE YOUR RECEIPT, AND CANCEL THE ACCOUNT BY CALLING CUSTOMER SERVICE AND REQUESTING A REFUND.

sets forth the terms and conditions under which a Visa Gift Virtual Account (“Account”) has been issued to you by Pathward®, National Association. By accepting and using this Account, activating the Account, or authorizing any person to use the Account, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement “You” and “your” mean the person or persons who have received the Account and are authorized to use the Account. “We”, “us”, “our”, and “Bank” mean collectively, Pathward®, National Association, a federally chartered bank, member FDIC, and its divisions or assignees. The Account may be canceled or revoked at any time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future reference. This Agreement applies to both the purchaser and any other user of the Account. It is the purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered by contacting Customer Service.

ABOUT YOUR ACCOUNT

Your Account is a virtual gift Account. Your Account consists of an Account number, a “valid thru” date, and a security code, just like those on a plastic card. The Account is loaded with a specific amount of funds, redeemable to buy goods and services online, via mail order, or by telephone anywhere Visa debit cards are accepted in the United States. You may not use your Account at brick-and-mortar locations. The Account is NOT a credit card. The Account is not a checking account or connected in any way to any account other than a stored value account where your funds are held. You will not receive any interest on the funds in your Account. You may register your Account by visiting the Website at www.giftcards.com or calling the Toll-Free Customer Service Number at 877-944-3822. You may not load additional funds to the Account.

Pathward®, N.A. will act as custodian of your funds upon its receipt of your funds. Once your Account is activated, you will be able to provide Pathward®, as custodian, with instructions about the funds accessible through the Account. Activation of the Account authorizes us to hold your funds at Pathward® or as custodian to place your funds at one or more participating banks (each a “Program Bank”). If you do not agree to your funds being held by us at Pathward® or placed by Pathward® as custodian at other Program Banks, please immediately spend all the funds in your Account. Account funds are not FDIC insured.

1. USING YOUR ACCOUNT
   1. Accessing Funds and Limitations

      You may use your Account to obtain goods or services at online, telephone, or mail order merchants wherever Visa debit cards are honored in the United States. You may not use your Account at brick-and-mortar locations. Each time you use your Account, you authorize us to reduce the value available on your Account by the amount of the transaction. Your Account cannot be:

      1. redeemed for cash or quasi-cash (for example, gaming chips, money orders, deposits, wire transfers, traveler’s checks, foreign currency and similar items);
      2. used to obtain cash in any transaction;
      3. used for illegal transactions;
      4. used to make foreign transactions; or
      5. used for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc.

      For security reasons, we may limit the amount or number of transactions you can make on your Account. We may refuse to process any transaction that we believe may violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF FUNDS AVAILABLE ON YOUR ACCOUNT. If you attempt to use the Account when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Account occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. If you do not have enough funds available on your Account, you may be able to instruct the merchant to perform a ‘split transaction’ to charge part of the purchase to the Account and pay the remaining amount with another form of payment. Some merchants do not allow accountholders to conduct split transactions.

      If you use your Account number without presenting your Account (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if you used the Account itself.

      Your Account is valid in the U.S. only. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States.

   2. Personal Identification Number (PIN)

      If you wish to make PIN debit purchases, you may obtain a PIN by visiting the Website at www.giftcards.com or calling the Customer Service Number. Accounts are not accepted at ATMs and cannot be used to obtain cash in any purchase transaction. You should not write or keep your PIN with your Account. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled “Unauthorized Transactions”.

   3. Obtaining Account Balance Information

      You may obtain information about the amount of money you have remaining in your Account at no charge by contacting Customer Service. This information, along with a 60-day history of account transactions, is also available online by visiting our Website. You also have the right to obtain a sixty (60) day written history of account transactions by contacting Customer Service.

   4. Authorization Holds

      You do not have the right to stop payment on any purchase transaction originated by use of your Account. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Account may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

   5. Returns and Refunds

      If you are entitled to a refund for any reason for goods or services obtained with your Account, the return and refund will be handled by the merchant. If the merchant credits your Account, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs.

   6. Receipts

      You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction.

2. REPLACEMENT ACCOUNT

   If you need to replace your Account for any reason, please contact Customer Service. See the table above for applicable fees. Please note that your Account has a “Valid Thru” date on the front of the Account. You may not use your Account after the “Valid Thru” date. However, even if the “Valid Thru” date has passed, the available funds on your Account do not expire. You will not be charged a fee for replacement accounts that we send due to expiration of the Account.

3. COMMUNICATIONS

   You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.

4. UNAUTHORIZED TRANSACTIONS
   1. Contact Customer Service Immediately

      If you believe your Account has been lost or stolen or an unauthorized transaction has been made using the information from your Account without your permission, contact Customer Service IMMEDIATELY. We will ask for the Account number and other identifying details. We cannot assist you if you do not have the Account number. We reserve the right to investigate any claim you may make with respect to a lost or stolen Account or unauthorized transaction, and you agree to cooperate with such investigation. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction. We will charge a fee as noted in the fee table above (subject to applicable law) for any lost/stolen Account, which will be deducted from the balance on the Account. We will charge a fee as noted in the fee table above (subject to applicable law) for any lost/stolen Account, which will be deducted from the balance on the Account. A reissued Account may take up to 30 days to process.

   2. Your Liability for Unauthorized Visa Prepaid Account Transactions

      Visa Zero Liability policy covers U.S.-issued Visa-branded Cards & Accounts only and does not apply to ATM transactions, PIN transactions not processed by Visa, certain commercial card transactions, or unregistered cards or accounts. You must notify us promptly of any unauthorized use. For additional details visit www.visa.com/security.

5. NO WARRANTIES AND LIMITATION OF LIABILITY

   We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with a Account. Further, we will not be liable:

   1. If, through no fault of ours, you do not have enough funds available in your Account to complete the transaction;
   2. If a merchant refuses to accept your Account;
   3. If an electronic terminal where you are making a transaction does not operate properly;
   4. If access to your Account has been blocked after you reported your Account lost or stolen;
   5. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction;
   6. For any other exception stated in our Agreement with you.
6. LEGAL NOTICES
   1. English Language Controls

      Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

   2. Assignability

      You may not assign or transfer your Account or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Account.

   3. Other Terms

      Use of your Account is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of the state of South Dakota except to the extent governed by federal law. Should your Account have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency.

7. PRIVACY

   We may provide information to our employees, auditors, affiliates, service providers, or attorneys as needed, or to any third party if you give us your written permission. We may also collect: (1) Information about purchases made with the Account, such as date of purchase, amount and place of purchase; (2) Information you provide to us when you register an Account, or for replacement Accounts, or when you contact us with customer service issues, such as name, address, phone number.

   We may also disclose information about your Account or the transactions you make to third parties in order to: (1) complete transactions; (2) verify the existence and condition of your Account for a third party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Cards or Accounts; (5) help protect against fraud and to conduct research and analysis; or (6) comply with government agency or court orders, or other legal reporting requirements.

8. JURY TRIAL WAIVER AND ARBITRATION
   1. Jury Trial Waiver: To the extent permitted by law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to this agreement. This Jury Trial Waiver does not modify in any fashion the Arbitration Clause set forth in the following section, which contains its own jury trial waiver.
   2. Arbitration Clause: You can opt out of this Arbitration Clause within 60 calendar days from the earlier of purchasing, activating, or using the Account. You must send the opt out notice in writing to Pathward®, N.A., Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108 (“Notice Address”). This Arbitration Clause governs any dispute arising under this Agreement, aside from the validity and coverage of this Arbitration Clause. Arbitrations will be conducted under the rules of the arbitration administrator, as chosen by us. Arbitration may be brought by you or us, and we will not demand arbitration if you bring an individual action in small claims court. In addition to the Jury Trial Waiver above, you also waive your rights to be a class member or bring suit in a class action or class arbitration. In order to commence an arbitration, the party bringing the dispute must send the notice and complaint in writing. You must send your notice to the Notice Address. After receiving notice, the other party has 30 days to attempt to resolve the issue before a suit or arbitration commences. We will pay all costs associated with administering an arbitration brought by you in good faith, if you cannot get a waiver and ask us to pay. Further, we will pay legal fees and costs if you win or as required by law or the arbitrator. This Arbitration Clause will stay in force if your Account is closed or we assign our rights under this Agreement. This Arbitration Clause and any rights to appeal or requests for information will be governed by the Federal Arbitration Act and the rules of the arbitrator.

This Account is issued by Pathward®, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
© 2016-2022 Pathward®, National Association