Important. Please Read Carefully.
This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which a Prepaid Visa Gift Card has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement.
Until you sign the Card, you may present the card to another person for their use. You should give that person a copy of these Terms and Conditions and that person should then sign the Card and will become subject to these terms and conditions. However, once you sign the Card, it is for your use only. You are wholly responsible for the use of each Card according to the terms of this Agreement. If you are not going to give the card to another person, please sign your Card immediately.
In this Agreement, “Card” means the Prepaid Visa Gift Card issued to you by MetaBank®, Member FDIC. “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. “We”, “us”, “our”, and “Bank” mean MetaBank, our successors, affiliates or assignees. The Card will remain the property of MetaBank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.
Always know the exact dollar amount available in your card account. Available funds is the balance of your card account less any authorization holds for transactions that have not yet been settled by a merchant. Merchants may not have access to this information and cannot determine the balance in your card account. Free access to check your balance is available at www.styleeverywhere.com (the “Card Website”) or by calling 1 (877) 341-5484.
The Card is a Prepaid Card. The funds associated with your Card are not held on your Card; instead, they are held in a card account at a bank. The Card allows you to access the funds held in that card account. Your Card is NOT a Credit Card. Your Card is NOT a checking, savings, or other demand deposit bank account. The funds in your card account will be FDIC insured provided your Card is registered by going to the Card Website (www.styleeverywhere.com) or by calling 1 (877) 341-5484.
Making Purchases. You may use your Card to obtain goods or services wherever the Card is honored except where a manual imprint is required. You may not use your Card to obtain cash, for illegal transactions, at casinos, or for online gambling activity. If you permit someone else to use your Card, we will treat this as if you have authorized such use, and you will be responsible for any transactions made subject to such use.
If you use your Card number without presenting your Card (such as for a mail order, telephone or internet purchases), the legal effect will be the same as if you used the Card itself. Payment for pay-at-the-pump stations should be made inside. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card.
You will receive a Personal Identification Number (“PIN”) with your Card Account. When you receive your Card, your PIN will be the last four digits of the Card number. For security, we suggest you change your PIN so that only you will know it. To change your PIN, call 1 (888) 524-1283 or visit www.styleeverywhere.com. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.”
Negative Balances. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds in your card account. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE IN YOUR CARD ACCOUNT. If you attempt to use the Card when there are insufficient funds associated in your card account, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available in your card account occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction.
Split Transactions. If you wish to use your Card for a purchase which is greater than the balance of the funds available in your card account, you can request the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another Card. These are called split transactions. Some merchants do not allow split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.
Authorization Holds. 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 for up to ten (10) days. Car rentals, hotels and other service oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in addition amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump.
Some restaurants and some other service-oriented merchants may factor in an additional 20% (or more) to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available in your card account, your transactions will be declined. Accordingly, you may want to ensure that your card account has an available balance that is 20% (or more) greater than your total bill prior to using your Card.
If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds to the extent allowed by law. It may take up to seven (7) days for the amount of the refund to be credited to your Card unless otherwise required by applicable law.
You are not allowed to make foreign currency transactions with your Card.
You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.
We will not be liable:
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. From time to time the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your balance. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.
You may obtain information about the amount of money you have remaining in your Card account by calling 1 (888) 524-1283. This information, along with a sixty (60) day history of account transactions, is also available online at www.styleeverywhere.com. You also have the right to obtain a sixty (60) day written history of account transactions by calling 1 (877) 341-5484 or by writing us:
Blackhawk Network, ATTN: Customer Service 10615 Professional Circle, Suite 102, Reno, NV 89521
You agree to safeguard the Card and treat it like cash. The Card can be replaced if it is lost or stolen or if you believe that an electronic fund transfer has been made without your permission, with certain restrictions. You should call 1 (877) 341-5484 immediately to report a lost or stolen Card. Your liability for unauthorized transactions that take place on the Visa system is Zero dollars ($0) (“Visa Zero Liability” policy). You will be required to provide your name, the Card number, original value, and transaction history. We may require you to provide a written statement regarding claims of unauthorized transactions.
PIN debit transactions and unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability policy. If you do not contact us immediately, you could lose all the money in your card account.
If you tell us within two (2) business days after you learn of the loss or theft of your Card and you are not protected by the Visa Zero Liability policy, you can lose no more than $50 if someone used your Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Card and you are not protected by the Visa Zero Liability policy, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500, unless prohibited by applicable law. In addition, if your transaction history (see Section 9) shows transactions you did not make, tell us at once. If you do not tell us within sixty (60) days after the transaction history was first made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from making the unauthorized transaction if you had told us in time.
We reserve the right to require a written statement and conduct an investigation into the validity of any request. You agree to cooperate with any investigation we may make. You will not be liable for transactions identified by us as unauthorized. There is no fee to issue a replacement Card. A reissued Card may take up to thirty (30) days to process. You acknowledge that purchases made with Prepaid Cards, such as the Card, are similar to those made with cash. You cannot “stop payment” or lodge a “billing dispute” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be 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 Card is issued by MetaBank pursuant to a license from Visa U.S.A Inc. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.
We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided 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 may cancel or suspend your card account or this Agreement at any time without notice for any reason (for example, if we suspect fraud or unauthorized activity on your card account), subject to applicable law. You may cancel this Agreement by returning the Card to us.
Termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. You agree that we will not be liable to you or any third party for any modification or discontinuation of your card account or of this Agreement.
In case of errors or questions about your Card transactions, or call 1 (888) 524-1283 or write to Blackhawk Network, ATTN: Customer Service, 10615 Professional Circle, Reno NV 89521, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. Contact us immediately if you think:
When you contact us, please provide the following information:
Please explain as clearly as you can why you believe there is an error or why you need more information.
If you provide this information orally, we may require that you send 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 ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not give provisional credit to your card account while we conduct our investigation. For errors involving new Cards or point-of-sale transactions, we may take up to ninety (90) days to investigate your complaint or question. You agree to cooperate with any investigation we may make.
We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting 1 (877) 341-5484.
This Card is issued by MetaBank, Member FDIC
5501 S. Broadband Lane
Sioux Falls, SD 57108
Customer Service Blackhawk Network
ATTN: Customer Service
10615 Professional Circle, Suite 102
Reno, NV 89521
1 (877) 341-5484