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Terms and conditions

1) This stored value card agreement together with any disclosures made by you in connection with this agreement and the privacy policy statement of Justremit.co.uk

2) LIMITATIONS ON VALUE
The minimum initial amount of value that can be "loaded" or added to the Card, and the maximum amount of value that may be "reloaded" or added to the Card on any calendar day or that can reside on the Card at any time is contained in the Schedule of Fees and Charges annexed hereto. Bank, in its sole discretion, may increase or decrease these limits from time to time upon notice to you.

3) RECURRING TRANSACTIONS
The Card is not ideal for recurring transactions. "Recurring Transactions" are transactions that are automatically charged to your Card each month with or without your knowledge. Examples of merchants that may use recurring transactions include Internet service providers, health clubs, insurance companies that automatically charge monthly premiums to the Card, "Book of the Month Club" type merchants, cable TV services and the like. Because the Card is prepaid and does not carry a credit line, these merchants may suspend or cancel your service if you don't have enough value left on the Card when that recurring transaction comes due. This could be dangerous if the recurring charge is for an essential service. If you purchased the Card to use specifically at these types of merchants, you may not be satisfied with the Card and we recommend that you contact a customer service representative by telephone/email at 1-214-446-3820 or support@justremit.co.uk and request a full refund prior to Card use in accordance with the provisions of Section 10 herein.

4) SERVICES AND PRODUCTS ILLEGAL FOR MINORS
Certain brands of prepaid products sold are designed to be used by people of all ages, excluding minors. Therefore, the Card may be accepted by certain types of merchants whose products and services are not legal for minors. Examples of such merchants include casinos, gambling web sites, pornography merchants and certain other merchants categorized as not legal for minors. If you purchased the Card to use specifically at these types of merchants, you may not be satisfied with the Card and we recommend that you contact a customer service representative by telephone/email at 1-214-446-3820 or support@justremit.co.uk and request a full refund prior to Card use in accordance with the provisions of Section 16 herein.

5) OPEN END TRANSACTIONS
There are certain types of merchants that sell goods or services where the final amount they will charge to the Card is unknown at the time they first authorize the Card. Typical merchants in this category include rental car companies, hotels, Internet service providers, certain time-based or variable cost merchants and others where the final purchase amount is not known up front. Therefore, the Card may be "authorized" or "have funds held" for more than the actual amount of the purchase until the final transaction is complete-meaning that those "authorized dollars" are not available for you to spend elsewhere. Furthermore, transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an "authorization" or a "hold" on your available balance for up to 90 days-meaning you won't have access to the authorized dollar amount of these funds during that entire time. This is done to prevent fraud by Card users who may run up a bill higher than the amount first approved. Please note that we cannot manually release legitimate authorizations without a certified letter or fax from the merchant. Furthermore, should you request that we manually release a legitimate authorization, a research and/or special service fee will apply in the amount set forth on the schedule of fees attached hereto. If you purchased the Card to use specifically at these types of merchants, you may not be satisfied with the Card and we recommend that you contact a customer service representative by email/telephone at 1-214-446-3820 or support@justremit.co.uk to request a full refund prior to Card activation in accordance with the provisions of Section 16 herein.

6) REFUNDS
Any refund for goods or services purchased with the Card may only be made in the form of a credit to the Card. You are not entitled to receive the refund in cash.

7) DISPUTED TRANSACTIONS
Bank is not responsible for the delivery, quality, safety, legality or any other aspect of goods and services purchased by you with the Card. All such disputes should be addressed to the Merchants from whom the relevant goods and services were purchased.

8) LIABILITY FOR OVERDRAFTS
You must have sufficient value available on the Card to pay for each transaction. You may not make purchases that in the aggregate exceed such amount per calendar day, as is provided in the Schedule of Fees and Charges annexed hereto. If a Merchant attempts to process a transaction for more than the value available on the Card, the transaction will be declined. Nonetheless, if, for any reason, a transaction is processed for more than the value on the Card, you are liable for that entire amount and agree to pay any overdraft and any applicable fees and charges immediately on demand. We reserve the right to automatically debit such overdrafts from any available funds present now or in the future on this Card or any other Card(s) you obtain. We also reserve the right to cancel this Card should you create one or more shortages with Your Card.

9) CANCELLATION-SUSPENSION OF USE
BaBank, in its sole and absolute discretion, may limit your use of the Card. Bank may refuse to issue a Card or may revoke the Card privileges with or without cause or notice, other than any required by applicable law. The Card at all times remains the property of the Bank and may be repossessed by Bank at any time. If you would like to cancel use of the Card, send an e-Mail to support@justremit.co.uk stating that you wish to cancel your Card. We may also suspend use of the Card at any time and for any reason. If we decide to cancel or suspend use of the Card, we will attempt to notify you by mail or electronic mail. Upon cancellation of the Card privileges, use of the Card must be immediately discontinued. You agree not to use or attempt to use an expired, revoked or otherwise invalid Card. Bank's cancellation of Card privileges will not affect your rights and obligations pursuant to this Agreement. If we cancel or suspend your Card privileges through no fault of yours, you will be entitled to a refund of any remaining balance as provided in this Agreement. You have the right to cancel the card and redeem same for any unused portion provided that the Bank has the right to defer the payment of the refund for a period of up to ninety days to ensure that all outstanding charges have been settled. A check made payable to you will be mailed to your most recent postal address as indicated in our records.

10) UNCLAIMED PROPERTY
If we have no record of transactions on the Card for several years, applicable law requires us to report the balance on the Card as unclaimed property. If this occurs, we will try to locate you at the address shown in our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the appropriate regulatory authority in Antigua and Barbuda as unclaimed property. We may deduct a Dormancy Fee, as permitted by law and described in the "Schedule of Fees and Charges".
11) CHANGE OF TERMS  
Subject to the limitations of applicable law, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to, this Agreement. We will send notice of any such change to you by E-mail to your current address listed on the Bank's records. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all future transactions made using the Card. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system. If any such change becomes permanent and disclosure to you of the change would not jeopardize the security of the Card or any related payment system, notice will be provided to you within thirty (30) days of making the change.

12) CHANGE OF ADDRESS
If your mailing address changes, you must notify Customer Service immediately. Failure to do so may result in information regarding the Card being mailed to the wrong person or your transactions being declined at the point-of-sale. In such event, we shall not be responsible for any resulting misuse of value on the Card. Any notice given by Bank shall be deemed given to you if mailed to you at the last mail address for the Card furnished by you to the Bank or Authorized Service Provider.

13) FEES AND CHARGES
We will charge you the fees and charges set forth on the Schedule of Fees and Charges attached hereto and incorporated herein by reference. All fees and charges will be deducted automatically from the Card balance at the time the fee or charge is incurred. BUSINESS DAYS Our business days are Monday through Friday, excluding legal banking holidays.

14) CONTACT INFORMATION
If you have questions  you may call Customer Service on the number  1-214-446-3820 or send an e-Mail to support@justremit.co.uk.

15) PERIODIC STATEMENTS
Electronic periodic statements of Card transactions will be made available on the website www.ikobo.com. You will not receive any paper periodic statements or notices of any kind.
 
a. EXAMINATION OF PERIODIC STATEMENTS
You are responsible for keeping track of any transactions on your Card. You agree to inspect your periodic statements and to notify Authorized Service Provider or the Bank of any erroneous, improper or unauthorized transactions on the Card. If your periodic statement indicates transactions that you did not make, notify your Authorized Service Provider or the Bank immediately by calling Customer Service on the telephone number provided on the back of the card 1-214-446-3820 or sending an e-Mail to support@justremit.co.uk, or writing to the address shown in the "Contact Information" section of this Agreement. See the section entitled "Your Liability for Unauthorized Transfers" for additional information concerning your liability for unauthorized transfers.

b. IN CASE OF ERRORS OR QUESTIONS ABOUT CARD TRANSACTIONS.
If you think your periodic statement is wrong or if you need more information about a transaction listed on the periodic statement, please contact the number on the back of the card 1-214-446-3820 as soon as you can. We must hear from you no later than sixty (60) days after we made available the FIRST periodic statement on which the problem or error appeared. When notifying us, you must: i.tell us the name, address, and Card number; ii.describe the error or the transaction you are unsure about, and explain clearly why you believe it is an error or why you need more information; and iii.tell us the dollar amount and date of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit the Card within ten (10) business days for the amount you think is an error so that you will have the use of the value during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit the Card. We will tell you the results within three (3) business days after completing our investigation and we will correct any error promptly. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

c. RIGHT TO RECEIVE DOCUMENTATION
You have the right to request copies of documents the Authorized Service Provider uses in its investigation when you notify Authorized Service Provider of an error or question about your periodic statement as described herein.