Gift Card
GIVE A GIFT OF ARKADIA
What is it?
Arkadia Gift Card is a very special present.
You can give it to anyone, not only for Christmas, but also for name days, birthdays and other occasions.
It is a nice and practical gift, which gives a free choice of presents.
How does it work?
Arkadia Gift Card is a type of pre-paid electronic card accepted in all Arkadia stores. Minimum reload amount is 10 EUR in PLN calculated according to the currently applicable Exchange Rate.
With amounts over 1000 PLN, you will get an elegant packaging.
The card is valid for 12 months following date of issue. The inability to withdraw money makes the card safe, especially when given to kids.
Where can you get the card?
Arkadia Gift Card can be bought at the information booth in the main hall.
When buying the card, it is automatically loaded with a chosen amount. You will receive the full Terms and Conditions when buying the card. You can check your account on the Internet or by phone.
Where can I check my account?
Hotline 022 490 69 23
www.flex-e-card.com/arkadia
General terms
1. Definitions
ATM
means an automated teller machine.
Available Funds
means the monetary value loaded on the Gift Card by the Purchaser, less any transactions, fees and charges that may occur from time to time.
Cardholder
means (i) the individual in whose name a Gift Card has been issued; and (ii) any individual who possesses and uses a Gift Card and whose signature appears on the Gift Card as an authorised signatory.
Card Programme
means the Gift Card related services marketed and made available to You, subject to the terms and conditions of these General Terms.
Cheque Guarantee Card
means a card issued by a bank, building society or other financial institution for the purposes of guaranteeing settlement of cheques to third parties or supporting the encashment of cheques at financial institutions up to a specified value.
Credit Card
means any card which is linked to a designated account and which enables the holder to purchase goods and services on credit.
Debit Card
means any card which enables the holder to purchase goods and services by authorising an electronic debit from a designated account.
Arkadia Centrum Handlowe
Means the shopping centre known as Arkadia, Warsaw.
Exchange Rate
means the median exchange rate of the National Bank of Poland of PLN to EUR (Euros)
Expiry Date
means a date twelve (12) months from date of purchase of the Gift Card.
Gift Card
means the Prepaid Gift Card which is sold at Arkadia Centrum Handlowe.
Gift Card Number
means the number printed on the front of the Gift Card.
Issuer or Us
means Newcastle Building Society, the issuer and owner of the Gift Card.
MasterCard
means MasterCard International Incorporated.
PLN
means the Polish Zloty currency used in the Republic of Poland.
FEV
means Flex-e-vouchers Limited, administrator of the Card Programme on behalf of the Issuer & supplier of technology systems to operate the Gift Card.
POS Equipment
means a terminal or other point-of-sale device of a Retail Merchant that is used to process a Transaction.
Prepaid Gift Card
means a card to which the purchaser decides to load the amount of Available Funds in order to be credited and stored to pay for Transactions.
Purchaser
means the person who purchased the Gift Card.
Retail Merchant
means a retailer which sells goods and services at Arkadia Centrum Handlowe
Transaction
means any purchase made by a Cardholder for goods and/or services at a Retail Merchant using the Gift Card, which is either authorised or denied by Us.
Unattended Payment Terminal
means a processing environment where the Gift Card is not physically presented to a Retail Merchant by the Cardholder as the form of payment at the time of sale.
Unclaimed Funds
means the monetary value of funds that are loaded onto the Gift Card and which have not been spent before the Expiry Date.
Us, We and Our
means either the Issuer or FEV or both.
You and Your
means the Cardholder.
Website
Means www.flex-e-card.com
2. Introduction
These General Terms govern the use of Your Arkadia Centrum Handlowe Prepaid MasterCard Gift Card. The Gift Card is not a Credit Card, Debit Card, or Cheque Guarantee Card. The Gift Card is issued by Newcastle Building Society, Portland House, New Bridge Street, Newcastle Upon Tyne, Tyne and Wear, NE1 8AL, which is authorised and regulated by the Financial Services Authority (under number 156058) as a building society and issuer of e-money, pursuant to a licence from MasterCard.
The signature strip on the reverse of the Gift Card must be signed by the Cardholder before it is used for a Transaction. By signing or by using the Gift Card to make a Transaction, You accept and agree to abide by all the terms and conditions of these General Terms. The Gift Card will not be valid unless signed. The Gift Card may not be exchanged for credit.
The Purchaser must instruct the Cardholder on how to use the Gift Card and also inform them of the terms of these General Terms.
The Gift Card is a Prepaid Gift Card that can be used for retail shopping wherever the MasterCard acceptance mark is displayed subject to the terms of these General Terms. The Gift Card cannot be used at ATMs, for internet, telephone order or mail order transactions or at Unattended Payment Terminals. Interest, dividends or other earnings or returns will not be paid for the Available Funds loaded onto the Gift Card. There is no Credit Card, credit line, overdraft protection, or deposit account associated with the Gift Card. No PIN (Personal Identification Number) will be issued with the Gift Card. The Available Funds are not stored on the Gift Card itself; instead, they are stored on a computer system. A minimum value of PLN equivalent of EUR10 and a maximum value of EUR1,500 calculated according to the currently applicable Exchange Rate may be loaded onto the Gift Card. Fees apply to the use of the Gift Card as outlined in section 15 of these General Terms.
3. Use of The Gift Card
Once the Available Funds of the Gift Card are fully used, the Gift Card will no longer be usable for any Transactions. The money paid by the Purchaser is not a deposit and does not establish a separate individual account with the Issuer. You cannot link the Gift Card to any bank, deposit or credit account which you may have at any financial institution. The Gift Card cannot be reloaded with additional Available Funds and is to be disposed of when all Available Funds have been used. This card is like cash and should be treated like cash.
When the Gift Card's Available Funds have been used, destroy the Gift Card by cutting it in half through both the magnetic stripe and the Gift Card number. Each Gift Card is owned and issued by the Issuer and remains its property. You must surrender the Gift Card to the Issuer, or its agent upon their request.
4. Loading, Expiration or Termination of Your Gift Card
At the time of purchase, the Gift Card can be loaded with Available Funds of the PLN equivalent of the amounts between EUR10 and EUR1,500 according to the Exchange Rate binding on the date of issue of the Gift Card. The Available Funds accessible by the Gift Card cannot be redeemed or used by You, except under the terms of these General Terms. The Gift Card shall not be valid for use on or after the Expiry Date or when the Available Funds reach zero, whichever occurs first. We may terminate your use of the Gift Card at any time and for any reason if there is evidence of fraud, abuse, behaviour contradictory with the rules of social coexistence, in the event of non compliance with the Terms, or any breach of law or regulation; without prior notice to you. Any Available Funds remaining on the Gift Card on or after the Expiry Date will be Unclaimed Funds. Prior to the Expiry Date, You may claim any portion of the Available Funds on the Gift Card by writing to us at Flex-e-vouchers Limited 13 Telfords Yard, 6-8 The Highway, Wapping, London. E1W 2BS. UK. You must include the Gift Card Number, the name of the Purchaser of the Gift Card, Your name and address and request a redemption of the Available Funds. We will send a cheque to the Purchaser in the amount of the remaining Available Funds less a Redemption Fee PLN equivalent of EUR5, according to the Exchange Rate binding on the date of redemption. To allow for the processing of all outstanding Transactions, the final amount of Available Funds to be redeemed may not be determined by us for up to thirty (30) days following the Expiry Date.
5. Using the Gift Card
By presenting this Gift Card as form of payment for goods and/or services, you are authorising a deduction in the Available Funds of the Gift Card in order to cover the amount of the Transaction. You must not use the Gift Card to spend more than the Available Balance at any time. If you attempt to spend more than the available balance Your Transaction will be declined. In the event that you spend more than the available balance at any time, any such amount shall be repayable by you immediately on demand. Subject to the applicable law, we may recover the costs of collecting any such amount from you. All Transactions will be subject to the terms of these General Terms. Nothing in these General Terms shall require us to authorise any Transaction.
The Available Funds on the Gift Card are denominated in PLN.
6. Pre-authorised & Recurring Payment
You agree not to make pre-authorised or recurring regular payments through the use of the Gift Card.
7. Balance Enquiry
Balance enquiries are available from the Customer Service Desk at Arkadia Centrum Handlowe. Balance enquiries and the history of transactions made by using the Gift Card, are available online on the Website.
8. Lost & Stolen Gift Cards
The Gift Card is like cash and should be treated like cash. You agree to use your best efforts to protect the Gift Card against loss, theft or unauthorised use. You assume all risks of loss from a lost or stolen Gift Card. We bear no responsibility for unauthorised use of the Gift Card. A replacement Gift Card may only be issued, if duly reported to us as lost or stolen by contacting the Customer Service Desk at Arkadia Centrum Handlowe. The Customer Service Desk will cancel a lost or stolen Gift Card at Your request. Within thirty (30) days of you notifying us of the loss or theft of a Gift Card, We will issue at your request a replacement Gift Card to the Purchaser for the Available Funds still remaining on the Gift Card at the time that you notify Us, less a Lost & Stolen Processing Fee of PLN equivalent of EUR5, according to the Exchange Rate binding on the date of redemption. A replacement Gift Card will not be issued where the balance remaining on the Gift Card is less than the Lost & Stolen Processing Fee. In case of suspected errors or questions about your use of the Gift Card, visit the Website or write to us at: Flex-e-vouchers Limited 13 Telfords Yard, 6-8 The Highway, Wapping, London. E1W 2BS. UK.
9. Cancellation
You have a legal right to cancel Your Gift Card up to fourteen (14) days after the date of purchase of the Gift Card without being charged the Redemption Fee provided you have not used Your Gift Card during this fourteen (14) day period. Under the terms of these General Terms, You also have the right to cancel Your Gift Card at any time after this fourteen (14) day period. In these circumstances a redemption fee will apply.You may request a redemption of the available Funds on Your Gift Card provided You have more than PLN equivalent of EUR5, according to the Exchange Rate binding on the date of redemption, of Available Funds on Your Gift Card. If Your Gift Card is cancelled, we will immediately block it so it cannot be used.
10. Retail Acceptance
Neither MasterCard, Arkadia Centrum Handlowe or FEV nor Newcastle Building Society are responsible if a Retail Merchant fails to honour Your Gift Card, for defects in or non-delivery of any goods or services You may purchase with the Gift Card or for the failure of any POS Equipment to complete a Transaction correctly. If there is a problem or dispute with the purchase of goods and/or services, you must address it directly with the Retail Merchant involved. Refunds and returns are subject to the Retail Merchant's policies or applicable laws.
11. Personal Information
We collect information provided at the time of purchase of the Gift Card together with information we learn about a Cardholder from Gift Card Transactions and in connection with a Cardholder's participation in any Gift Card promotions. We will process and record this information and sometimes use third party decision making systems to verify this information. In order to process, use, record and release the information We collect, We may pass this information outside Poland to other countries within the European Union.
In order to perform services related to the Gift Card, the use of the personal data of the Purchaser and the Cardholder is necessary.
We use the information that we collect to process Gift Card Transactions, to help protect against fraud and to otherwise enable us to provide and personalise the Card Programme. This includes use of information for marketing purposes and to conduct research and analysis. We may also from time to time, in providing and personalising the Card Programme, need to disclose the information that We collect for the same purposes to the companies that work with Us or provide any part of the Card Programme to a Cardholder. For example, we may release certain information to Arkadia Centrum Handlowe or FEV for their use to communicate with a Cardholder about Gift Card offers or promotions, products and services associated with it. You may opt out of receiving marketing information by writing to us at, Flex-e-vouchers Limited 13 Telfords Yard, 6-8 The Highway, Wapping, London. E1W 2BS. UK. We will keep the information that we collect about Cardholders for only as long as we need to or are otherwise authorised by law.
Flex-e-vouchers Limited with its registered place of business in 13 Telfords Yard, 6-8 The Highway, Wapping, London. E1W 2BS. UK. acts as the personal data controller.
The Purchaser and Cardholder have the right to:
- access the information on their personal data,
- rectify their personal data,
- update their personal data,
- supplement their personal data,
- demand that the processing of their personal data be blocked,
demand that their personal data be erased,
By using the Gift Card, You agree that we may use and disclose information that we collect about you in the manner and for the purposes described. If you would like a copy of any personal information that we hold on you, please write to us at Flex-e-vouchers Limited 13 Telfords Yard, 6-8 The Highway, Wapping, London. E1W 2BS. UK . A fee may be payable.
The Issuer and FEV shall process personal data of the Purchaser and/or the Cardholder in accordance with the applicable law provisions, including the Processing of Personal Data Act of 29th August 1997 (i.e. Dz. U. of 2002, no. 101, item 926, as amended).
12. Fees
Issue Fee: PLN 5 per Gift Card issued.
Lost & Stolen Processing Fee: PLN equivalent of EUR5, according to the Exchange Rate binding on the date of redemption
This fee is only charged should you lose or have Your Gift Card stolen, notify Us and elect to transfer Your remaining Gift Card balance to a new Gift Card. This fee covers the costs incurred in re-issuing a Gift Card.
Redemption Fee: PLN equivalent of EUR5, according to the Exchange Rate binding on the date of redemption
This fee is only charged should you choose to redeem Your Available Funds before expiration of the Gift Card. This fee is not charged should you request a redemption within fourteen (14) days of the date of purchase. This fee covers the costs incurred in the processing of the redemption request
13. Compensation
The Gift Card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Gift Card. This means that in the unlikely event that Newcastle Building Society becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.
14. Release of Liability
Neither You nor any Retail Merchant is an agent or partner of the Issuer, FEV, Arkadia Centrum Handlowe or their affiliates. The Issuer, FEV or Arkadia Centrum Handlowe shall not have any liability or obligation as to Your use of the Gift Card or participation in the Card Programme, and You hereby release Us and Arkadia Centrum Handlowe to the maximum extent possible from any and all claims You may have in connection with any action or omission of Us, Arkadia Centrum Handlowe or a Retail Merchant and their respective affiliates, agents or vendors, regarding Your use of the Gift Card. MasterCard, FEV, the Issuer and Arkadia Centrum Handlowe are not liable (i) for any failed Transactions if You do not have sufficient Available Funds on Your Gift Card to pay for a Transaction; (ii) if circumstances beyond Our control prevent the Transaction; or (iii) a Retail Merchant authorises an amount greater than the price of the goods and/or services.
15. Governing Law and Jurisdiction
These General Terms will be governed by Polish law. All and every dispute related to or connected with the execution of these Regulations shall be resolved by the locally and materially competent court. In order to avoid doubts, it is certified that Arkadia Centrum Handlowe Sp. z o.o. (nor any of its affiliates, shareholders, managers and/or officers) is not a party to any legal relations between the Purchaser, Issuer and/or FEV relating to the issuance of the Gift Card.
16. Changes To These General Terms
These General Terms constitutes the entire agreement between us and any Purchaser and Cardholder regarding use of the Gift Card. We may delay or waive any of our rights at any time without waiving any of our rights at any future time. Except as otherwise required by applicable law, we may change these General Terms, and its related services, at any time. If We think that a change is material We will write to You at least thirty (30) days before making the change, unless a more immediate change is required by law or other valid reason. Otherwise we will notify you of any other changes within thirty (30) days of making the change.
If you do not agree to such change, you may cancel Your Gift Card (see section 9 above). In such circumstances you will not be charged a Redemption Fee.
17. Complaints
If you would like to make a complaint, please write to Us at Flex-e-vouchers Limited, 13 Telfords Yard, 6-8 The Highway, Wapping, London, E1W 2BS. UK.
We have procedures in place to ensure your complaint is handled fairly and quickly. However, if You are not satisfied with the outcome of Your complaint, You can write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel: 0845 080 1800, e-mail:–
18. Your Details
It is your responsibility to keep a record of Your Gift Card details; these will be required for all correspondence with us. The details include: the name and address of the Gift Card Purchaser, the Gift Card Number, and the date of purchase of the Gift Card and the Expiry Date.
This card is issued by Newcastle Building Society pursuant to licence by MasterCard International Incorporated. Newcastle Building Society is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register/) and is entered in the Financial Services Authority Register under Registration No. 156058. The Arkadia Centrum Handlowe MasterCard® Gift Card program is serviced by FEV Limited which is a registered agent of Newcastle Building Society for this purpose. Maestro® and MasterCard® are registered trademarks of MasterCard International Incorporated.”
