General terms and conditions (T&Cs) for paysafecard
Version: December 2015
  
1. General Provisions 
1.1 Please read these Terms and Conditions carefully as these are the terms upon which you must paysafecard ("paysafecard"). These Terms and Conditions govern the contractual relationship between you and us. 
1.2 Your paysafecard is issued and operated by Prepaid Services Company Limited ("we" "us" or PSC) whose registered office is at Part Floor 27, 25 Canada Square, Canary Wharf, London E14 5LQ, United Kingdom (company number: 05761861). PSC holds a licence to issue electronic money granted by the UK Financial Conduct Authority FCA (FCA registration number 900021). PSC issues paysafecard products under the said license in the whole European Economic Area and is an internationally recognized payment system operator and payment system provider. The paysafecard products are further available also in other Non- European markets and are operated by companies affiliated with us.
1.3 By purchasing or using a paysafecard you are agreeing to be bound by these Terms and Conditions. 
1.4 We may change these Terms and Conditions if we reasonably consider it necessary to do so. If we do we shall give a reasonable notice with period of at least 2 (two) weeks before such change is made. All notices and changes will be posted on www.paysafecard.com (the "Website"). You should check the Website regularly for such notices and changes. It is agreed that you shall be deemed to have consented to the modification if you do not indicate your rejection in writing before the proposed date of entry into force of the modification. If you do not object to the modifications in writing within at least 2 (two) weeks of the notification, the modifications shall be deemed to have been accepted and shall become an effective part of our contract. You are entitled to terminate our contract before the date of entry into force of the modification with immediate effect. We shall indicate the implications of not responding and the right to free and immediate termination in the contract amendment proposal. Please refer to Section 6 (Termination) for further information on the procedure for contract termination.
Simply expanding the functionality or introducing new services shall not effect a contract amendment. You can download a copy of these Terms and Conditions at any time from our Website.
 
2. Fees 
2.1. We do not charge any fees for checking your balance and statements on the Website. However, the following fees do apply:
2.1.1 Balance Update/Transaction History according to Section 4 point 8 and 9: FREE
2.1.2 paysafecard reissuing according to Section 4 point 10 and Section 8 point 7: FREE
2.1.3 Redemption Fee according to Section 5: 20 GEL
This Redemption Fee will be directly deducted from the balance of your paysafecard. 
2.1.4 Monthly Maintenance Fee: FREE for the first 12 months after purchase and 5 GEL per month thereafter
This fee will be directly deducted from the balance of your paysafecard.   
2.1.5 Exchange rate surcharge according to Section 7 point 2: 2% respectively 4.04% of the transaction volume.
 
3. Buying a paysafecard 
3.1 We have a relationship with a number of Distribution Outlets ("Distribution Outlets"), where the paysafecard can be purchased. Distribution Outlets near your location can be found on the Website. 
3.2 You can purchase a paysafecard only from a Distribution Outlet upon payment by you of the value printed on the paysafecard ("Value"). 
3.3 You can purchase up to 10 paysafecard from a Distribution Outlet per day. 
3.4 Each paysafecard is allocated its own unique Personal Identification Number ("PIN"). When you purchase a paysafecard, the Distribution Outlet will hand over to you a paper voucher showing amongst other information your PIN. If the Distribution Outlet is an electronic retailer, your PIN will be transmitted in electronic form, and you should print this out for safekeeping. The contract between you and us is concluded for an indefinite term.
 
4. Using a paysafecard 
4.1 You may use paysafecard with those online retailers and service providers which accept paysafecard as a means of payment ("Webshops"). Once you have purchased a paysafecard you can use it to purchase products and services in these Webshops. In order to use paysafecard, you will need access to a PC with an internet connection where JavaScript must be enabled in the browser or a flash plugin must be installed.
4.2 You may use your paysafecard as often as you like to purchase goods or services up to a total of the Value. 
4.3 You may use up to 10 paysafecard on the same transaction. However the total transaction amount cannot exceed 350 GEL for each payment at a Webshop.
4.4 When you pay using your paysafecard you will be asked to enter the paysafecard's PIN. 
4.5 Upon entering the PIN, you irrevocably authorise the Webshop to deduct the funds immediately from your paysafecard for the relevant product/service. At the same time you irrevocably authorise us, to process the deduction from the paysafecard and authorise the payment to the Webshop.
4.6 All debits from the paysafecard shall be in GEL. If you are paying for goods and services in another currency, the amount payable shall be converted at the published exchange rate on the Website (Weblink: http://www.paysafecard.com/en-ge/paysafecard-info/) on the day of the transaction. The applicable exchange rate will also be shown at the time of the transaction. 
4.7. It is prohibited to sell, trade in, or purchase, paysafecards via unauthorised internet platforms. This prohibition explicitly refers to so-called "exchange platforms", where paysafecard PINs are offered for sale illegally. A purchase of paysafecard over the Internet is allowed exclusively through authorized online web shops, listed on the Website.
4.8 You can check the balance of your paysafecard at any time on the Website. 
4.9 You can check the transaction record of each paysafecard at any time on the Website. 
4.10 If you find that your paysafecard is defective, you should tell us immediately, either by our call-back customer service (check www.paysafecard.com) or by e-mail (info@paysafecard.com). If it is not possible to remedy the defect, we will provide you with a new paysafecard. If the Value of the newly issued paysafecard is higher than the balance on the defective paysafecard, you will be required to pay additional funds to us to cover the difference. 
 
5. Your right of redemption 
You may at any time request a redemption of the remaining funds on your paysafecard. To do so, send us an e-mail to info@paysafecard.com requesting redemption or require a call-back from paysafecard customer service team at www.paysafecard.com). Before we can redeem the remaining funds to you we will need you to provide us with the serial number of the paysafecard, the value left on your paysafecard, your full name, email address and a contact phone number, a legible copy of your photo identification document, a legible copy of your paysafecard as well as your personal bank account details where you would like us to transfer the money. To enable us to comply with our legal obligations, we may ask you to provide us with certain other information before we can process your redemption request. A Redemption Fee will apply. 
The personal data requested and received by us is necessary for provision of service referred herein and by accepting these terms and conditions you explicitly express your consent to us receiving, processing and storing of your personal data in accordance with privacy policy referred to in Section 12.
 
6. Termination 
6.1 Under these Terms and Conditions, you have the right to terminate at any time during the contract period and you can also ask for redemption of the balance left on your paysafecard according to Section 5.
 6.2 If you terminate a paysafecard we will block it the next working day (Monday to Friday) so it cannot be used. You will not be entitled to redemption of money that you have already spent on goods or services. 
6.3 If you terminate a paysafecard, we will arrange for any unused funds to be redeemed to you, once all transactions and applicable fees have been deducted subject to Section 5 above. 
6.4 We may block or terminate a paysafecard and our contract with you immediately if we suspect any fraud or misuse of a paysafecard occurring, if we have other security concerns or we need to do so to comply with the law. This is valid in case it is suspected that paysafecards were purchased at file sharing networks/bourses or similar, both in return of payment or gratuitous. We will provide you with a replacement paysafecard if you contact us and if we believe such circumstances no longer apply. If the paysafecard Value of the newly issued paysafecard is higher than the balance on the defective paysafecard, you will be required to pay additional funds to us to cover the difference. 
 
7. Currency 
7.1 The paysafecard is issued in GEL. Any payments made for goods/services in another currency shall be converted into GEL using the exchange rate applicable on the date of transaction. The applicable exchange rates will be posted daily on the Website (Weblink: http://www.paysafecard.com/en-ge/paysafecard-info/ and will be displayed during the payment transaction. The exchanged rate used and the amount that will be debited from the paysafecard will also be shown at the time of the transaction. 
7.2 For every cross currency transaction (paysafecard currency is not the payment currency in the Webshop) where one of the involved currencies is EUR a general exchange rate surcharge of 2 % of the transaction amount will be applied. However for cross currency transactions where EUR is not involved in the transaction an exchange rate surcharge of 4.04 % of the transaction amount will apply. 
 
8. Your duty to take due care, security and PIN protection 
8.1 You must check your receipt or your paysafecard confirmation has a PIN and serial number. If you cannot read your PIN and serial number or you believe confirmation is corrupted in any way then you must inform us by phone (require a call-back at www.paysafecard.com/ka-ge/help/contact-form/) or by e-mail (info@paysafecard.com) stating the serial number of the paysafecard. We will then provide you with a new paysafecard. If you are unable to read the PIN but you are able to read the serial number of the paysafecard then you must send us a copy of the print out by e-mail. Once we have verified we will send you a new paysafecard. 
8.2 You must keep your paysafecard, PIN safe and protect it from access by unauthorised third parties. Do not give your PIN to any unauthorised third party. 
8.3 If you lose your paysafecard it will not be replaced. 
8.4 Please be aware that if your paysafecard is lost or stolen you may lose some or all of your money on the paysafecard. 
8.5 If you believe your paysafecard has been stolen, you must inform us immediately. In either case you can notify us by phone (require a callback at www.paysafecard.com/ka-ge/help/contact-form/) or inform us via PIN Locking Tool on our Website (check www.paysafecard.com) or by e-mail (info@paysafecard.com) so that any remaining balance on the paysafecard can be blocked. To enable us to block a paysafecard we will require the serial number. 
8.6 Unless we have reason to suspect fraud, deliberate or negligent behaviour on your part and as long as your claim is made within the time limit specified in 8.5 above, we will provide you with a new paysafecard for the amount under investigation. 
8.7 Before we provide you with a new paysafecard you must provide us with proof of purchase of the stolen/abused paysafecard. In the case of a stolen paysafecard you may also be required to provide us with the crime reference number issued by the police. Any difference between the Value of the blocked paysafecard and the Value of the newly issued paysafecard will be borne by you. 
 
9. Complaints 
If you are unhappy in any way with our paysafecard or the way our service is managed, tell us by e-mailing info@paysafecard.com so we can investigate the circumstances for you. Any complaints you make will be dealt with quickly and fairly. 
 
10. Disputes with retailers 
10.1 If you have any disputes about purchases you have made with your paysafecard, you should settle these with the relevant Webshop. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with a paysafecard.
10.2 Remember that once you have used a paysafecard to make a purchase we cannot stop that transaction. 
 
11. Liability 
11.1 If you are affected by something which is our fault, we will only be responsible for loss you suffer as a direct result up to a maximum of the balance on the paysafecard and not for any other loss (for example, loss of reputation). 
11.2 If you have acted fraudulently or if you do not use a paysafecard in accordance with these Terms and Conditions you will be responsible for all losses on the paysafecard. If you act without reasonable care and this causes losses, you may also be responsible for this. 
11.3 We accept no responsibility or liability for a Webshop refusing to honour a transaction on a paysafecard or failing to cancel an authorisation. 
11.4 We are not liable to you for any losses caused by acts of God, riots, war, natural disasters or other occurrences which are beyond our reasonable control. 
11.5 We do not guarantee the permanent availability of the paysafecard system, in particular the availability of the systems of Distribution Outlets or Webshops. 
 
12. Data Protection 
We do not collect any personal data when you purchase or use a paysafecard from a Distribution Outlet. Personal data is collected when you provide personal data to our Website. We use cookies for the purpose of system protection and protection against misuse. You must accept these cookies in order to use our Website. All personal data is handled in accordance with our Privacy Policy which can be viewed http://www.paysafecard.com/en-ge/paysafecard-info/data-protection/.

 
13. Assignment of the Contractual Relationship 
We may assign the rights and duties of these Terms and Conditions to another company at any time, on giving your at least 2 months prior notice of this. If we do this, your rights will not be affected. In this case, you can object within 2 months and terminate your contract with us with immediate effect. For further information see Section 6 (Termination). In such circumstances you will not be charged a Redemption Fee. 
 
14. Governing law 
These terms and conditions are governed by English law and English courts will deal with any legal proceedings between us. Communications and notifications shall be made in English or Georgian language.



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