Terms & Conditions

Scope Prepaid MasterCard® Card Terms and Conditions

These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Airmax Scope Services Prepaid Cardholder being the authorised user of the Prepaid Card on behalf of your Employer. "We", "us" or "our" means Newcastle Building Society or Airmax Scope Ltd acting on its behalf. “Website” means our website at www.myexpensedetails.com

1. Your Prepaid MasterCard® Card

Subject to the restrictions set out below, you can use the Prepaid Card at most locations that display the MasterCard® Acceptance Mark, including shops, restaurants, online, or on the telephone. Before using the Prepaid Card you need to make sure there are enough funds loaded on it. You will not be able to use your Prepaid Card after its expiry date. Please note your Prepaid Card cannot be used at any merchant where authorisation for the transaction is not requested electronically. Your Prepaid Card is an electronic money device. Your Prepaid Card is not a credit card and is not in any way connected to your bank account. You will not earn any interest on any funds loaded on your Prepaid Card. You acknowledge that, your Prepaid Card is issued to your Employer and that there may be additional terms applicable to the use of your Prepaid Card especially those regarding to Your Liability, Right to Refund, Cancelation or Complaints. You should always seek advice from your Employer to ensure your compliance with all applicable terms. There maybe some fees applicable when you use your Prepaid Card. These fees are always applicable to your Employer but might be taken from the amount on your card.

2. Applying for and activating your Prepaid Card

Your Employer will apply for card on your behalf. You must be an employee of the company registered in England and Wales. By applying for a card your Employer will ask for 2 forms of identification, Photographic identification such as a current passport or full UK driving licence and the proof of your address such as a current utility bill. You must provide your name and a valid mailing address and must agree to these Terms and Conditions. You hereby specifically agree that we may verify your name and address electronically using third party databases. This third party agency may keep a record of this search and it may be used in subsequent identity checks. We reserve the right to refuse your application for any reason. Cards will be despatched as soon as possible and will be sent by post to the registered address. You must sign the signature strip on the back of the Prepaid Card as soon as it is received. You must activate your card as soon as you have received your PIN, following the instructions on the Website.

3. Loading your Prepaid Card

Funds will be loaded to your Prepaid Card by electronic transfer from the bank account of your Employer. The maximum balance permitted on an Account at any time is £500.00.

4. Using your Prepaid Card

Your card is for purchase usage only; it cannot be used for cash withdrawal at ATMs or POSs at Bank branches. Detailed instructions on how to use your Prepaid Card are found on the Website. You will need to follow these instructions when using your Prepaid Card. You must not spend more money than you have on the account. Any attempt to do so may be treated as a criminal act. Your Prepaid Card can only be used where the merchant requests authorisation electronically. Where authorisation is not sought, the transaction will be declined.

5. Cancelation and Expiry of your Prepaid Card

Your Prepaid Card will be valid for 24 months. It may not be used beyond its expiry date. Your Employer has a legal right to cancel your Prepaid Card up to 14 days after it has applied for your Prepaid Card without being charged a refund fee – this 14 day period is known as the “Cooling-Off Period”. Under these terms and conditions, your Employer also has the right to cancel your Prepaid Card at any time after the 14 day Cooling-Off Period. If your Prepaid Card is cancelled, we will immediately block your Prepaid Card so it cannot be used. Your Employer will not be entitled to a refund of money you have already spent on transactions authorised or pending before the Prepaid Card is cancelled or expires. Your Employer can cancel your Prepaid Card by sending an email to us using the ‘Contact Us’ function on the Website. It is yours and/or your Employer responsibility to cut your Prepaid Card in half through the signature box and magnetic strip, ensuring the Chip is cut in half, and send to Scope Card Services, Airmax Scope Ltd, Logic House, 31 Black Moor Road, Ebblake Industrial Estate, Verwood, Dorset, BH31 6BB with a print-out of your email requesting the cancellation. Once we have received this, the refund of the funds remaining on your card will be processed. If your Employer cancels your Prepaid Card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to your Employer, unless your Employer has arranged to transfer any unused funds to another Prepaid Card managed by us, or cancels your Prepaid Card within 14 days of paying for it. We may also cancel your Prepaid Card immediately if we suspect fraud or misuse of your Prepaid Card, if we have any other security concerns or we need to do so to comply with the law. If we do this, we will tell you and/or your Employer as soon as we can or are permitted to do so after we have taken these steps. In these circumstances, your Employer must tell us what it wants us to do with any unused funds within 3 months of the date we tell you your Prepaid Card is cancelled. Your Prepaid Card will be valid for 24 months. When it expires, we may automatically send your replacement Prepaid Card to your Employer if you have used your card within the last 3 months before the date of expiry and have a positive balance on the card on the expiry date. Any funds on your Prepaid Card will automatically be transferred to your new card. Replacement cards incur a fee chargeable to your Employer. If your card has expired and you have not received your new card please contact your Employer.

6. Keeping your Prepaid Card secure

You should treat your Prepaid Card like cash. If it is lost or stolen, you may lose some or all of your money on your Prepaid Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Prepaid Card safe and not let anyone else use it. If you are issued with a PIN, you must immediately memorise it and destroy the notification. You must keep your PIN secret at all times. Do not write it down or reveal it to anyone. In no circumstances will we or should you reveal your PIN to a third party. You will be able to change your PIN, if you wish to do so, at most of ATMs. We recommend that you check the balance on your Prepaid Card regularly online at the Website. You may view each of your transactions and the current balance through the Website or you may get a balance by SMS. We do not issue printed statements. Transaction history will be available on the Website for up to 12 months. If you lose your Prepaid Card or it is stolen, or you suspect that your Prepaid Card has been used by someone other than you, you must tell us immediately by calling us on our 24 hour lost and stolen card helpline +44(0)844 257 0397 so we can cancel your Prepaid Card. In the event that your Prepaid Card is lost, stolen or misused by someone without your permission, you may have to pay part of the loss up to a reasonable sum of any loss incurred. If your Prepaid Card is misused with your permission you will probably be liable for ALL losses. You will not be liable for losses which take place after you told us about the loss or theft of your Prepaid Card, as long as you confirm this in writing within 7 days. If, after reporting a lost Prepaid Card, you subsequently find the card you must not use it. Cut the Prepaid Card in half through the signature box and magnetic strip, and ensure the Chip is cut in half. If you ask us to do so, we will investigate any disputed transaction or misuse of your Prepaid Card and we may need more information and assistance from you. If this assistance or information is not provided then you may not be entitled to a refund. We may refund the amount of any transactions which the investigations show are not authorised by you, provided you have kept your Prepaid Card and PIN secure, you have not acted fraudulently, or acted without reasonable care. However, if the investigations show that any disputed transaction was authorised by you, or you have not kept your Prepaid Card or PIN secure, we will not refund the transaction amount and may charge your Employer applicable fees.

7. Your liability

In the event that you do not use your Prepaid Card in accordance with these terms and conditions and/or any terms on which your Employer has provided you with your Prepaid Card or we find that you are using the Prepaid Card fraudulently, we or your Employer reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Prepaid Card and to recover any monies owed as a result of your activities.

8. Our liability

Like other payment cards, we cannot guarantee a retailer will accept your Prepaid Card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Prepaid Card is being misused. Accordingly, we shall not be liable in any event that a retailer refuses to accept your Prepaid Card, or if we do not authorise a transaction, or if we cancel or suspend use of your Prepaid Card. Unless otherwise required by law, we shall not be liable for any direct or indirect loss or damage you may suffer as a result of your total or partial use or inability to use your Prepaid Card, or the use of your Prepaid Card by any third party.

9. Your Employer’s right to a refund

Your Employer may request a refund of the funds on your Prepaid Card provided you have more than £5.00 loaded on your Prepaid Card. To do so, your Employer will need to send us an e-mail using the ‘Contact Us’ facility on the Website requesting a refund and confirming that you have destroyed your Prepaid Card by cutting it up. When we process a refund, we will charge your Employer a refund fee. We will send a cheque to your Employer’s last notified address or arrange an electronic transfer to a bank account nominated by your Employer. However, to enable us to comply with our legal obligations, we may ask you or your Employer to provide us with certain information before we can process your refund request.

10. Changes to these Terms and Conditions

We may change these terms and conditions at any time. The up-to-date version of the Prepaid Card terms and conditions will always be available on the Website. If we think that a change is material we will send you or your Employer an e-mail and/or SMS text message and/or letter at least 30 days before making the change, unless a more immediate change is required by law or other valid reason. If such change shall adversely affect the services you receive, your Employer will have the right to cancel your Prepaid Card within 14 days from the date of the notification without any fees (except those which have been accrued prior to your or your Employer’s cancellation).

11. Summary box

Please see Section 23 and Summary Table in the related section. The information contained in the table summarises key product features of your Prepaid Card. Please note that all fees related to the management and operation of you card is payable by your Employer. Should you wish to find out about the fees, please ask your Employer.

12. Your details

You must let us know as soon as possible if you change name, address, telephone number, mobile number or e-mail address. If we contact you in relation to your Prepaid Card we will use the most recent contact details you have provided to us. Any e-mail or SMS text message sent to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.

13. Data protection

In activating the Prepaid Card on the Website and using it, you agree that we can use your personal information in accordance with our Privacy Policy. You can tell us if you don't want to receive any marketing materials from us. You have the right to inspect personal data we hold about you. To inspect any of your personal data held by us please contact your Employer.

14. Privacy Policy

The personal information that is collected when you apply for a Prepaid Card will be used by us, our Prepaid Card issuer and third parties (on its behalf) to run your Prepaid Card and process your transactions. We or third parties may also contact you to let you know about services that we believe may be of interest to you, unless you have informed us that you do not want to receive this information. We shall ensure that the appropriate technical and operational security measures are in place to keep the personal data transferred confidential and secure. You may raise queries as to the personal information held by us about you, let us know about changes to your personal information or contact us if you no longer wish us to use your personal information, at any time using the ‘Contact Us’ facility on the Website.

15. Disputes with retailers

If you have any disputes about purchases made using your Prepaid Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Prepaid Card. Remember that once you have used your Prepaid Card to make a purchase we cannot stop that transaction.

16. Communication

If you have an enquiry relating to your Prepaid Card, you can use the ‘Contact Us’ facility on the Website. We will deal with your enquiry promptly. If you do not wish to enquire in this way you can alternatively call our customer service telephone line on +44(0)844 257 0367.

17. Complaints

The Prepaid Card programme is managed by Airmax Scope Ltd. If you are unhappy in any way with your Prepaid Card or the way it is managed, tell us by using the ‘Contact Us’ facility on the Website so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 or +44 (0)20 7964 1000 (for calls from outside the UK) and e-mail: enquiries@financial-ombudsman.org.uk

18. Compensation

The Prepaid 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 Prepaid 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.

19. Assignment

We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you at least 30 days prior notice of this. If we do this, your rights will not be affected. You may not assign your rights.

20. Transfer to a new Prepaid Card issued by a different bank

We may transfer your unused balance to a new prepaid card provided by a prepaid card issuer other than Newcastle Building Society at any time. Before we do this, we will notify your Employer. Unless your Employer advises us within the 30 day period that it does not want a new Prepaid Card from the new Prepaid Card issuer, we will automatically transfer the unused balance on your Prepaid Card to a new Prepaid Card provided by the new Prepaid Card issuer.

21. Governing law

All communications with you will be in English. These terms and conditions will be construed in accordance with English law and the exclusive jurisdiction of the English courts.

22. Prepaid Card issuer

Your Prepaid Card is issued by Newcastle Building Society (“NBS”) pursuant to licence by MasterCard International. NBS Principal Office: Portland House, New Bridge Street, Newcastle Upon Tyne, Tyne and Wear, NE1 8AL, NBS is authorised and regulated by the Financial Services Authority (registered number 156058) as a building society and an issuer of e-money. NBS subscribes to the banking code; copies of the code are available on request. Your Prepaid Card is the property of Newcastle Building Society and is not transferable to anyone else.

23. Summary

The information contained in this table summarises key product features and is not intended to replace any terms and conditions

On Application

Card issue fee - Free

Initial Limits - Minimum amount of initial load £50.00. Maximum amount of initial load £100.00

Usage Restrictions - This card is for purchase use only, i.e. it cannot be used for cash withdrawal at the ATM or POS at Bank branches (over the counter cash advance)

On-going Features

Replacement card fees - £5.00

Transaction fees

Retail purchase transaction UK - Free

Retail purchase transaction outside UK - Free

Declined transaction - Free

Foreign exchange mark-up (of transactions in a currency other than your card currency) - 3.00%

Cash withdrawal fees - N/A

Service fees

Monthly service charge - Free

Top-up fees and limits

Minimum daily top-up - £50.00

Maximum daily top-up - £500.00

Maximum card balance - £500.00

Maximum daily spend/refund - £500.00

Maximum number of top-ups per day (up to a combined total of £500.00) 2

Other fees

SMS help - Free

SMS block/unblock - Free

Closure

Cancellation or redemption - Free

Expiry - Card valid for 2 years

* Note that by texting our SMS line on +44(0)779 780 5218 you will be charged at the UK rate. Texts from outside the UK will vary.

**Note that by calling our telephone line on +44(0)844 257 0367 you will be charged at the UK National rate. Calls from outside the UK will vary.