Please read this Contract carefully before using your card. The below information sets out the General Terms and Conditions (GTC) pertaining to your Card and regulates the legal relationship between you and the Issuer. Plural first person pronouns pertain to the Issuer. By using the Card, you accept the conditions set out in this Contract. With respect to matters relating to the interpretation of the Contract, or if you do not agree to any provision thereof, please contact our Customer Service at any of the contacts set out in Section 19 of the Contract.

Account: the function recording the amount of money available and assigned to your Card (not a deposit, savings or other bank account);
Contract: the electronic form completed by the Cardholder and accepted by the Issuer, the entry of the unique code for entering into the contract sent by the Issuer, as well as the contract itself established as a result of the Activation the terms and conditions of which are set out in these Cardholder GTC and the updated versions of the same released from time to time;
Activation: the operation executed at the website www.edenredkartya.hu or by using the Edenred Mobile application available on IOS and Android, during which the Cardholder can perform the process required for using the Card issued to the Cardholder and can enter the Contract by using the unique code for entering into the contract as well as complete the steps required for the customer due diligence.
Edenred Mobile application: The Programme Owner’s Edenred Mobile application which enables the Cardholders to enter the Contract, activate the Card and register their Edenred Cards electronically, as well as to trace their personal expenses.
Available Balance: value of the funds available on your Card for use;
HUF: Hungarian forint, the official currency of Hungary;
Electronic money: the amount embodied by the claim against the issuer of the electronic money that is stored electronically – including magnetic storing –, issued against the receipt of funds for the purpose of performing payment operations provided in the Act on the Pursuit of the Business of Payment Services and, beyond the issuer of the electronic money, also accepted by other natural and legal persons, economic entities without legal personality and individual entrepreneurs. The electronic money qualifies as a non-cash means of payment;
Card: any and all Cards issued to you under this Contract according to the Client GTC;
Card Number: the 16-digit card number found on the front side of your Card;
Cardholder: a private individual found eligible by the Company to use the Card entering into this Contract with us;
Fee: the fees and costs to be borne by the Cardholder in relation to the Card, contained in Section 10 of these GTC;
Company: the natural or legal person, institution or service provider participating in the Programme;
Contactless payment: A means of payment that enables the Cardholders to pay contactless by holding their card against the POS terminal reader. No PIN code is required for transactions not exceeding HUF 5,000;
Customer Service: the contact centre dealing with inquiries and requests for services in connection with your Card. The contacts of the Customer Service are provided in Section 19;
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes;
Inactivity: if no amount is credited to the Card for a period of 12 months or the Card is not used for any transactions;
Mastercard International Incorporated: Mastercard International Incorporated, a business entity with its registered office located at 2000 Purchase Street, Purchase, New York 10577 USA;
Mastercard Acceptance Mark: the logo of Mastercard International Incorporated, indicating that the Card is accepted at the place where it is displayed;
Edenred Acceptance Mark: the logo of Edenred, indicating that the Card is accepted at the place where it is displayed;
“Participating Vendor” or “Participating Business” is an entity accepting Edenred Cards from the Cardholders (or Partner Cardholders) in the case of the sale of products or the provision of services, and where the Programme Owner made accepting the Cards technically available, and who placed out the Mastercard or Edenred Acceptance Mark.
www.edenred.hu website, MyAccount: the interface on the Website where – following registration – you can access your own Account and view your Available Balance and Transaction History online. You can find up-to-date information about your account at the website www.edenred.hu. You need Internet connection to access the website;
PIN: personal identification number, PIN code;
POS: point of sale;
Programme: the Benefits Card Programme, in the scope of which the Card has been issued to you;
Programme Owner: Edenred’s Hungarian subsidiary, a business entity established in Hungary: Edenred Magyarország Kft.; registered office: H-1134 Budapest, Váci út 45., the Issuer’s payment intermediary;
Client: The Cardholder’s employer or business partner with whom the Programme Owner has entered into a contract under which the Card has been manufactured to the Cardholder.
Transaction: all POS and online commercial sales carried out with your Card, as well as the use of other services executed with ATMs and those offered by ATM machines that are enabled by the Programme Owner and the Issuer (depending on the type of the Card), such as cash withdrawal.
Issuer: PrePay Technologies Limited, a limited company registered in the UK under number 04008083; contact details: United Kingdom, PO BOX 3883, Swindon, SN3 9EA. PrePay Technologies Limited was registered under number 900010, its e-money issuer licence was issued by the Financial Conduct Authority (financial supervisory authority of the UK), also acting as its supervisory authority.
Website: the website www.edenredkartya.hu where you can access the information related to your Card and read these GTC;
Cardholder: the natural person found eligible by the Issuer and the Programme Owner to use the Card.

2.1. Your Card is a card that can be repeatedly credited with Electronic Money. It is not a credit or debit card. The Available Balance does not earn interest and may not be used for savings, but for payment and operations executed with ATMs, and only in accordance with the conditions set out in this Contract and the Client GTC available on the website www.edenred.hu in all cases.
2.2. Your Card was issued based on the permission of Mastercard International Incorporated. This Card is anElectronic Money product that qualifies as a non-cash means of payment. The Electronic Money associated with this Card is provided by the Issuer. The Issuer’s electronic money issuing activity is regulated by the Financial Conduct Authority (UK). Your rights and obligations with respect to the use of the Card are regulated by this Contract concluded between You and the Issuer; You have no legal relationship whatsoever with Mastercard International or its affiliated companies. Crediting amounts to the Card is carried out based on the Client’s order with the Programme Owner’s assistance, in HUF, with the terms and conditions provided in this document and the Client GTC. It is the Issuer who authorises you to use your Edenred Card, exclusively for paying for the specified products and services enabled by the type of the Card, up to the amount available with regard to the Card concerned. The Card will remain in the Issuer’s ownership. Although your balance is your property (with the conditions and limitations specified in this document and the Client GTC), any and all legal rights/entitlements associated with the electronic money issued by the Issuer and the underlying accounting/record keeping system (e.g. intellectual property rights) shall remain in the ownership of the Programme Owner and/or the Issuer, shall not be transferred to you, and you shall have no (further) utilisation rights with regard to them.
2.3. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. We undertake to carry out all correspondences with you in matters concerning your Card or Account using the Hungarian language.

3.1. By entering the code for entering into the contract in the dedicated interface during the course of electonic registration available at the www.edenred.hu website or in Edenred’s Mobile Application, the Cardholder expressly requests the establishment of the corresponding contract between the Cardholder and the Issuer by electronic means.
3.2. In the event of accepting the Cardholder’s offer for entering into a contract, the Issuer sends a unique ID to the Cardholder. Before entering into the Contract – upon the sending of the ID –, the Issuer complies with its obligation to provide prior information and sends to the Cardholder the Cardholder GTC and the Fees.
3.3. The Contract is established between the Issuer and the Cardholder if the code for entering into the contract is entered in the Programme Owner’s interface. The Contract is not established if the code for entering into the contract is not entered, thus the Cardholder will not be able to use the Card issued to him.
3.4. The Contract is established for an indefinite term, provided that only the Client can credit any amounts to the Card, meaning that the Contract is terminated after 6 years from the expiry date of the Card, and the thus remaining balance shall be due to the Issuer.

4.1. You have to sign your Card immediately after receiving it.
4.2. The Card can be used solely following the establishment of the Contract and Activation. Upon Activation, please proceed as instructed in the information document attached to the Card received. No liability is borne by the Issuer and the Programme Owner for the failure to sign and/or activate the Card.
4.3. Pursuant to Act LIII of 2017 on the Prevention and Combating of Money Laundering and Terrorist Financing (‘AML’), the Issuer is obliged to conduct a customer due diligence and identification procedure with regard to all Cardholders. The Issuer complies with this obligation in the course of the Activation process.
4.4. In these GTC, the Cardholder undertakes and acknowledges that, pursuant to the AML, the Issuer is not obliged to activate the Card, or shall have the right to temporarily block it and suspend the provision of any related services until the customer due diligence is completed. The exclusions and limitations of the Issuer’s and Programme Owner’s liabilities set out in Section 15 of these GTC shall also apply to the denial of activating the Card or the temporary blocking of the same until the mandatory customer due diligence is completed, and any such measure taken by the Issuer and the Programme Owner may not be interpreted as defective performance under any circumstances.
4.5. After activating the Card, you will receive a 4-digit PIN code. Always keep your PIN code safe, do not disclose it to anyone and ensure that it is not readable by anyone when you enter it. We will not disclose your PIN code to third parties. If you forget your PIN code, please visit the website www.edenred.hu or open the Edenred Mobile Application, and choose the option to view your PIN code.
4.6. Please ensure that your Card is registered on the website www.edenred.hu. This is the way to use the service described herein.

5.1. Specific Card types may only be used at Participating Vendors that are in contractual relationship with the Programme Owner, or where the Programme Owner made it possible to accept the Card based on the acceptor’s Merchant Category Code (MCC). The enabled services for each Card type is specified in Section 5.7. The Programme Owner accepts no liability for cases when the card company classification of the terminals in the stores or store chains is different from what is expected or for any incidental changes in the classification of the stores. The balance of electronic money available with regard to a certain Card may only be used for the partial or full settlement of the consideration paid for the scope of products and services indicated on that Card. The Issuer and the Programme Owner shall not be responsible for the misuse of the Cards. Your Card and the Available Balance associated with it may be used only for Transactions executed in HUF, excluding redemption or conversion to cash or scriptural money.
5.2. Your Card is a card that can be credited repeatedly, which means that the Client may freely credit new funds to the balance of your Card. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on your Card. You will not be able to use your Card after its expiry date or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed with a higher amount than the Available Balance on your Card, you shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds your Available Balance within 14 days of the receipt of the invoice from the Issuer. If you fail to pay the amount within 14 days of the receipt of the invoice from the Issuer, the Issuer shall be entitled to take all measures necessary for the collection of the outstanding amount, including legal action and the suspension of the further use of the card.
5.3. You can authenticate the transactions to be carried out at the Participating Vendors by providing your PIN or – in the case of online Transactions – CVC code in each case. In the event of contactless transactions up to the amount of HUF 5,000, no PIN code is required for the authentication. You are responsible for all Transactions that you authenticate. You can also authenticate contactless transactions by holding your Card against an appropriate reader which supports such payments. Please keep in mind that, as a general rule, it is not possible to stop a Transaction once approved and received by the Issuer. The Issuer may reject Transactions if it finds them to be conflicting with the provisions of these GTC or be violiating the law (e.g. Transactions carried out with a stolen Card).
5.4. The Cardholder can query his available balanceat the website www.edenred.hu, in the Edenred Mobile Application or by Phone.
5.5. For security reasons, the Participating Vendors accepting your Card shall request authorisation via a POS or VPOS terminal from the Issuer for your Transactions. In some cases, a Participating Vendor may require that your Available Balance be higher than the value of the Transaction you intend to carry out. You will only be charged for the actual and final amount of the Transaction carried out. Merchants request this if they may require a larger amount of funds than which you wished to spend originally. For example:
5.5.1. Hotels and car rental – As Participating Vendors are not able to determine the amount of your final invoice preliminarily, they may request authorisation to deduct an amount of funds exceeding your Available Balance.
5.5.2. Participating Vendors on the Internet – Certain participating internet websites may send you a request for payment authorisation at the time of registration or the payment step in order to check availability of the funds; this may impact your Available Balance temporarily. Please note also that some websites do not charge the amount to be paid until the delivery of the goods. When viewing your Available Balance, please take into consideration such possible changes of the funds available, and determine based on that whether there is a sufficient amount on your Card to cover your purchases. The Card cannot be used for online payments where the currency of settlement is not HUF.
5.6. The Card cannot be used for the verification of identity.
5.7. The scope of services available with the Cards varies by Card type as follows:
5.7.1. Edenred Silver Card: it can be used for purchasing specific goods and services at the contracted participating business networks.
5.7.2. Edenred Gold Card: it can be used for purchasing all products and services available at participating businesses accepting Mastercard.
5.7.3. Edenred Platinum Card: it can be used for purchasing all products and services available at participating businesses accepting Mastercard, as well as for cash withdrawal.
5.7.4. Edenred special card: a Card with which the credited amount can be used at participating businesses accepting Mastercard selected according to the Client’s specific preferences.
5.8. You may not use your Card to redeem traveller’s cheques, have cash refunded from Participating Vendors or settle balances outstanding in connection with credit cards, bank overdrafts or loan agreements, gambling, dating or escort services.
5.9. The Available Balance on your Account does not earn interest.

6.1. You cannot credit funds to your own Card. Only the Client shall be entitled to credit funds to the Card through the Issuer. If the Client wishes to credit further funds to your Card, then we will credit it to the Available Balance on your Card following the receipt of the Programme Owner’s order after the receipt of the Client’s payment by the Issuer.
6.2. You hereby acknowledge that the frequency of updating your Available Balance in accordance with Section 6.1 above will depend entirely on the Programme Owner’s and the Issuer’s ordinary course of business.

7.1. The expiry date of your Card is printed on the Card’s front side. You will not be able to use your card after the expiry date.
7.2. The Programme Owner will send the Client electronically a written notification on the expiring cards 6 weeks preceding the expiry date of the Card. The Client shall indicate electronically in writing within 10 days of the receipt of the notification whether it intends to have the Card renewed. The Issuer will charge a fee for the re-manufacturing of the Card if renewed. The amount of the fee is included in the schedule on tariffs of the Client GTC. If the Client does not request the renewal of the Card, then the Issuer will irreversibly block the Cards recorded in its system following the expiry date of the Card. The Cardholder may request the redemption of the Electronic Money for a period of 6 years after the expiry date of the Card.
7.3. The balance on the Card is associated with a person, and may be used solely by the Cardholder. In the event of the Cardholder’s death, the balance forms part of the heritage, for the pecuniary splitting of which between the inheritors is governed by the grant of probate. The Client or the inheritor(s) of the Cardholder shall immediately inform the Programme Owner about the Cardholder’s death, thus it will suspend the Card until the end of the probate procedure, including the use of the Partner Card by any close relative of the deceased. In case the Card Holder’s death is disclosed, the Programme Owner and the Issuer reserve the right to suspend the Card until the end of the probate procedure, including the use of the Partner Card by any close relative of the deceased. Any liability concerning the transactions executed with the Card during the period between the Cardholder’s death and the time when the Programme Owner or the Issuer became aware of the same shall lie with inheritors. The inheritor(s) shall duly prove to the Programme Owner or the Issuer the completion of the probate procedure (in particular, a duplicated copy of the death certificate, the heritor’s ID card and residence card; in case the heritor is under-age, the injunction of the guardianship authority and the order of the liquidation of the heritage, including the amount on the Card as a heritage), within 90 days from the receipt of which it will make available to the heritor(s) in the form of a Card as provided in the grant of probate.
7.4. With regard to the Card, the Issuer may charge an inactivity fee specified in Section 10.

8.1. We may restrict or deny the authentication of your Card if the Card is or may be used in breach of this Contract, or if we can suspect on reasonable grounds that you or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
8.2. If we have to investigate a Transaction carried out with the Card, you are obliged to cooperate with us or – if necessary – any other official body.
8.2.1. Never:
8.2.2. let anyone else use your Card, or get access to it in any way;
8.2.3. write down your PIN code on your Card or anywhere else;
8.2.4. disclose or otherwise make available your PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise.
8.3. You are responsible for any Transaction that you authenticated via your signature, PIN or CVC code. In the event of contactless transactions, it is your responsibility to prove that no third person could access your Card.
8.4. You agree to hold harmless and indemnify us, our partners and any company belonging to the same company group as the above with regard to the expenses incurred by any legal action initiated in order to enforce these GTC, any breach of these GTC and/or the fraudulent use of your Card by you or authenticated by you.
8.5. The Cardholder may immediately – but not later than the day of the thirteenth month following the execution of the Transaction corresponding to the date of debiting the Card – initiate the rectification of the unapproved payment transactions or those approved but incorrectly executed. If the month of expiry does not contain the calendar day corresponding to the Date of Debiting, then the time limit for such rectification shall be the last day of the month.
8.6. The Cardholder expressly acknowledges and agrees that the Participating Business and/or the Cardholder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Owner or the Issuer shall not have any liability in this regard.
8.7. If any reimbursement becomes necessary for the Cardholder under the legal relationship established between the Participating Business and the Cardholder, then – upon the written request of the Participating Vendor or the Cardholder and following the identification of the transaction – the Issuer and the Programme Owner execute the crediting, provided that if the payment for the Participating Business has already been executed, then it credits the amount to be reimbursed to the Cardholder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
8.8. The Cardholder expressly acknowledges and agrees that the cancellation/modification of the transaction or the restoration of the original state may be initiated on real grounds and along with the Participating Business only, in the form of a jointly submitted unanimous declaration.
8.9. The Cardholder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Business – as well as the related request and the resulting enforcement of claims – may not serve as a basis for offsetting upon settlement with the Programme Owner or the Issuer, thus on no legal grounds may the claims between the Participating Business and the Cardholder be enforced against the Programme Owner or the Issuer, who expressly and fully exclude any such liability.

9.1. You have to handle the Electronic Money on the Card in the same manner as the cash in your wallet. If you lose your Card or if it is stolen, the amount on it may be lost just as if it had been in your wallet.
9.2. In the event of loss, theft, fraud or any other threat that involves the risk that the Card may be used in an unauthorised manner, or if the Card is damaged or malfunctioning, contact the Customer Service immediately. You have to provide your Card number in order for the Customer Service to deal with your issue. Alternatively, you can arrange for the blocking of your Card at the website www.edenred.hu or in the Edenred Mobile Application. For this, you have to register your Card preliminarily at the website www.edenredkartya.hu.
9.3. Provided that you notified us in accordance with Section 9.2 and Section 9.4 does not apply, you will not be liable for losses incurred after the time you notified our Customer Service in accordance with the above. Before the notification, your liability for damages is limited in HUF 15,000. If there is Available Balance remaining on your Card after the notification, the Client may request the Programme Owner to replace your Card and that the last Available Balance be made available on the new Card.
9.4. If the reported event was caused by your breach of contract or your alleged conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, you will be held liable for all losses.

10.1. The following fees are charged during the use of the Card.
10.1.1. Monthly fee: the fee payable for the availability of the Electronic Money on the Card
10.1.2. Cash withdrawal fee: payable for cash withdrawal from ATM machines. Maximum amount of withdrawable cash: one-off limit: HUF 150,000, daily limit: HUF 300,000. The number of transactions on the same day is not restricted.
10.1.3. Inactivity fee: payable if no amount is credited to the Card for a period of 12 months or the Card is not used for any transactions;
10.1.4. Amenities fee: The fee payable for an ancillary service requested by the Cardholder, under which the Cardholder requests SMS notifications on any crediting to the Card and on the transactions.
10.1.5. ATM service fee: balance inquiry, payment of bills, unblocking of Cards, changing of PIN code
10.1.6. Account statement fee: payable if the Cardholder requests the postal delivery of printed account statements
10.1.7. Account closure fee: following the lapse of 5+6 years, the Issuer shall be entitled to enforce an account closure fee up to the amount of the remaining balance.
10.1.8. Redemption fee: The fee payable for the transferring of the Electronic Money upon the Cardholder’s request to the bank account appointed by the same. We proceed in accordance with the statutory provisions upon redemption. For information in this regard, please contact our Customer Service.
10.1.9. The Issuer forgoes the fee specified in Section 10.1.1 until 31 August 2019.
10.1.10. The Issuer forgoes the fees specified in Sections 10.1.4–10.1.7 until 31 December 2019.

10.2. Amount of the fees:

Monthly fee Cash withdrawal fee Inactivity fee Amenities fee ATM service fee Account statement fee Account closure fee Redemption fee
Edenred Silver Card HUF 99/month HUF 499/month HUF 400/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount
Edenred Gold Card HUF 99/month HUF 499/month HUF 400/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount
Edenred Platinum Card HUF 99/month HUF 350/occassion HUF 499/month HUF 400/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount
Edenred Special Card HUF 99/month HUF 499/month HUF 400/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount

11.1. If you have reason to suspect that a Transaction for which your Card was used was unauthorised or was carried out on your Account by mistake, we will examine the Account and the circumstances of the Transaction, provided that you notify is within 13 months of the date of the Transaction. In this scope, we may require you to contact the relevant authorities in connection with the disputed Transaction.
11.2. If, based on the evidence available to us at the time when you report the unauthorised Transaction, we have no reasonable cause to assume that you failed to comply with the requirements of these GTC due to negligence or on purpose, or that you acted in a fraudulent manner, we will refund you all unauthorised Transactions.
11.3. However, if we receive information that suggests that the disputed Transaction was real, we will be entitled to deduct the value of any such Transaction from your Account.
11.4. We reserve the right not to refund you such amounts if you acted in breach of this Contract or if you did not report any possible fraudulent claims to the competent authorities.
11.5. If you entered into an agreement pursuant to which another person operating in the European Economic Area may deduct payments from your Card (e.g. if you disclosed your Card’s data to a Merchant for the purposes of payment), then – if all of the below conditions are fulfilled – you may request us to refund the payment which we will perform within 10 business days of the receipt of your request:
11.5.1. if the exact amount to be paid was not specified in the authorisation;
11.5.2. if the amount charged from your Account was higher than what you could have expected given the circumstances (e.g. based on your previous payment patterns); and
11.5.3. if you notify us regarding your refund request within 8 weeks of the date when the amount is charged from your Account.

12.1. Any complaint made in connection with these General Terms and Conditions has to be reported first to the Programme Owner via the Customer Service mentioned in Section 19.
12.2. We handle all complaints in the scope of our own complaints procedure. Upon your request, we will provide you with a copy of the description of our complaints procedure.
12.3. The UK’s Financial Services Compensation Scheme (or any other deposit insurance system) shall not apply to the Card. However, we will protect your funds in the case of our insolvency.

13.1. If any part of this Cardholder GTC conflicts with any legal or regulatory requirement, then we will not effectuate that part of the Contract, and we will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If we have to make changes with respect to our operations before we are able to fully comply with the new legal or regulatory requirements, we will take the necessary steps as soon as reasonably practicable.
13.2. The Issuer shall be entitled to unilaterally amend the Contract without prior notification of the Client in a manner that is not adverse to the same. The amendments that are not adverse to the Cardholder shall be published by the Issuer at least 15 days before such amendments enter into force, and shall also disclose specific information on the amendment on the website www.edenred.hu .
13.3. The Issuer may not unilaterally amend the Contract by means of introducing a new fee or charge. Following the provision of preliminary information to the Cardholder, the Issuer shall be entitled to amend the Contract at the Cardholder’s disadvantage. The introduction of any Fee related to new services introduced by the Issuer shall not qualify as an amendment at the Cardholder’s disadvantage, if the amendment is not mandatorily applicable to the Cardholder or if it will apply only to those Cardholders who enter into a contract following the date of the amendment.
13.4. The Issuer informs the Cardholder about any amendments that are adverse to the Cardholders two months prior to the entry into force of such amendments on a durable media and on the website www.edenred.hu . If the Cardholder does not address any objection in writing until the date of entry into force of the amendment to the Contract, then the amendments shall be deemed as expressly accepted by the Cardholder. The Cardholder shall have the right to immediately terminate the Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC and those of the Contract.

14.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
14.2. We may terminate or suspend this Contract at any time:
14.2.1. with immediate effect (and until the settlement of the issue or the termination of the Contract) if you have breached these Cardholder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes or if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract).
14.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Cardholders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
14.4. In the event of the extraordinary termination of the contract, you will not be able to use your Available Balance any more as of the day of the termination of the contract.
14.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the e-money and the Available Balance will remain in the ownership of the Issuer and will not be transferred to you.

15.1. The following exceptions and restrictions apply to our liability in connection with this Contract (relating to damages arising in connection with the provisions of the Contract or otherwise – including negligence – the breach of statutory duties or other):
15.1.1. we assume no liability for any damages arising directly or indirectly from reasons beyond our control (including but not limited to the failure of network services and data processing systems);
15.1.2. we assume no liability for lost profit, loss of business or any indirect, consequential, special or punitive damage or loss;
15.1.3. if the Card is faulty due to our negligence, our liability will be limited to the replacement thereof; and
15.1.4. in any other event of our default, our liability will be limited to the reimbursement of the Available Balance on your Card.
15.2. No provision of this Contract may exclude or limit our liability for any deaths or personal injuries that occur due to our negligence or fraud.
15.3. We expressly exclude the conditions and warranties set out in law to the largest extent allowed by the law.
15.4. The exclusions and limitations of liability set out in Section 8 and this Section 15 are also applicable to any liability arising towards you in connection with this Contract on the side of our affiliated companies such as the Issuer, the Programme Owner, MasterCard International Incorporated and other suppliers, contractors, agents, distributors and the affiliates thereof.
15.5. You may settle any disputed issue arising in connection with your purchases made with the Card with the Merchant. Neither the Programme Owner nor the Issuer assumes liability for the quality, safety, legality or any other property of the goods and services purchased with the Card.

16.1. The Issuer as Data Controller shall process and use the personal data required in order to provide the Service under these GTC and acquired by it during the performance thereof in accordance the data protection regulations in force. The legal basis of the processing of data is the performance of the Contract [Article 6 (1) (b) of the GDPR].
16.2. Summary table of the Issuer’s and Programme Owner’s processing of personal data:

Summary of the processing of data concerning the Service provided by the Issuer to the Cardholder
Data Controller In the processing of personal data regarding the contract concluded between the Issuer and the Card Holder, the Programme Owner is the Processor.
The purposes of the processing Performance of Services specified in the Cardholder GTC
Legal basis of data processing The performance of the Contract concluded between the Issuer and the Cardholder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; forename; name on card (21 characters at most); date of birth; permanent residence (postal code, town, street, number); correspondence if other than residence (postal code, town, street, number); e-mail address; mobile phone number; amount to be credited; serial no. of card; Data of the transaction; habitual residence in Hungary if Data Subject is a foreigner; Account history; workplace address, bank account number
Term of data processing Total duration of the service and 5 years following its termination (until the limitation period of the possible claims concerning the Service)
Processors Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci út 45.), purpose of data processing: Operation of systems relating to the provision of services and supporting activity.

Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania), purpose of data processing: supply of software supporting services related to the Card, IT support

Idemia Hungary Kft. (registered office: Tó-Park, lot nr.: 3301/21., H-2045 Törökbálint, Tópark utca, Hungary), purpose of data processing: manufacturing of cards;

Y-Collective Kft. (registered office: H-7628 Pécs, Arany János u. 24., Hungary), purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA), purpose of data processing: data processing for advertising purposes – sending of newsletters: Sending of information e-mails concerning the Card services (system messages, amendment of the GTC, update of the Edenred Mobile application)

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

Summary of the processing of data by the Issuer concerning the Cardholders’ customer due diligence

Data Controller The Issuer is the PrePay Solutions Ltd. (member of the Edenred Group; registered office: 6th Floor, 3 Sheldon Square, Paddington, London, W2 6HY UK)
The purposes of the processing Compliance with the obligation to perform customer due diligence and identification regarding the Cardholders
Legal basis of data processing Compliance with legal obligation [GDPR Article 6 (1) c)] and Sections 7–11 of the AML
Scope of the processed data Data Subject’s surname; forename; place and date of birth; permanent residence; correspondence if other than residence habitual residence in Hungary if Data Subject is a foreigner; Account history; Data Subject’s surname at birth; forename at birth; nationality, mother’s maiden name, habitual residence, type of ID document, number of ID document, photo
Term of data processing 8 years from the termination of the Service
Processors Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci út 45.), purpose of data processing: contribution in the customer due diligence and identification activities.

Y-Collective Kft. (registered office: H-7628 Pécs, Arany János u. 24., Hungary), purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

Summary of the processing of data concerning the Programme Owner’s marketing / advertising activity
Data Controller Concerning the data processing regarding its marketing / advertising activity,the Programme Owner is the Data Controller.
The purposes of the processing Sending marketing / advertising messages to the Cardholder
Legal basis of data processing The Data Subject’s consent [Article 6 (1) (b) of the GDPR and Section 6(1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities]. The consent may be withdrawn at any time
Scope of the processed data The Data Subject’s surname; forename; e-mail address; mobile phone number;
Term of data processing Until the consent is withdrawn
Processors Y-Shift Kft. (registered office: H-7636 Pécs Arany János utca 24., Magyarország) purpose of data processing: data processing for the purposes of advertising.

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA), purpose of data processing: data processing for advertising purposes – sending of newsletters

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

16.3. Should the Cardholder not provide the personal data essential for the provision of the Issuer’s services, then the Cardholder will not be able to use the Issuer’s services.
16.4. The Cardholder may contact the Programme Owner in order to ensure the enforcement of his rights with regard to the processing of his personal data by sending an electronic mail to either of the adatkezeles-hu@edenred.com dpo.hungary@edenred.com e-mail addresses.

17.1. If we do not exercise or delay with exercising any right or legal remedy set out in this Contract, this shall not be considered as a waiver of that right or legal remedy or the exclusion of the later exercising of such right or legal remedy.
17.2. If any provision of this Contract is deemed unenforceable or illegal, this shall have no effect on the remaining provisions, provided that the unenforceable or illegal provision is not an essential part of the Terms.
17.3. You may not assign or transfer your rights and/or benefits arising from these General Terms and Conditions. Your liability will continue until all Cards issued to you are cancelled or expired, and you have paid all amounts payable under these GTC. We may assign our rights and benefits at any time without notifying you in writing. We may sub-contract any of our obligations arising from this Contract.
17.4. No third party that is not a party to these GTC shall have the right to enforce the provisions of this Contract, with the exception that Mastercard International Incorporated and its relevant affiliated companies shall be entitled to enforce any provision of this Contract that provides them any benefit or right, and the (legal) entities specified in Section 15.4 shall be entitled to enforce the contents of Section 15.
17.5. In the case of a legal dispute, the regular Hungarian Court competent according to the Programme Owner’s registered office shall have exclusive competence.

18.1. The language of the Contract is the Hungarian.
18.2. The Issuer provides the Cardholder who initiated the establishment of the Contract with information about the GTC and the fees, as well as any modifications or amendments made to these by means of a durable media and by disclosure on the website www.edenred.hu.
18.3. The Parties agree that the Issuer will send an account statement on the Transactions executed with the Card and the creditings to the Card once a month, by using durable media (i.e. in e-mail), as well as will make available all data related to the Transactions after their execution at the website www.edenred.hu and via the Edenred Mobile Application.
18.4. The Cardholder can obtain information about the amount of the Electronic Money available on his Card at any time by visiting the website www.edenred.hu or via the Edenred Mobile Application.
18.5. The Cardholder expressly agrees that, during the term of the Contract, the communication between him and the Issuer and the Programme Owner will take place by electronic means via the e-mail address provided by the Cardholder, and that they will regard this communication as valid and legally effective concerning the Contract, including any legal statements made in connection with the same.
18.6. The Parties agree to consider the e-mails as delivered on the second day following the sending of such e-mails.
18.7. The Issuer and the Programme Owner will send the notifications and statements to the Cardholder’s e-mail address entered during the course of the Cardholder’s registration at the website www.edenred.hu. The Issuer and the Programme Owner shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Cardholder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Cardholder has no longer access to the entered e-mail address.
18.8. The Cardholder can communicate with the Issuer via the Customer Service.

19.1. If you need help or wish to report that your Card has been lost or stolen, call our Customer Service at the number +36 1 382 4000 in the business hours available on the website www.edenred.hu, or contact us by using the online interface also available on www.edenred.hu.
19.2. Lost or stolen Cards may be reported on the website www.edenred.hu 24 hours a day. Also here, you can use the function designed for the case where you forget your PIN code 24 hours a day.
19.3. Available Balance inquiry and Card Blocking are available to Cardholders 24 hours a day, call +36 1 382 4000.
19.4. If you have any difficulties using the Card, please contact our Customer Service or the Client.

Effective from 7 December 2018.