| Additional Terms |
means the specific terms and conditions which apply to particular types of Cards (e.g. prepaid gift cards) as described herein for such Cards |
| AED |
means United Arab Emirates Dirham |
| ATM |
means automated teller machine |
| Available Funds |
means the available credit balance in the Card that is available for utilisation, as reduced by any transaction amounts which have been reserved, blocked, are pending or have otherwise not been processed or released |
| Base Currency |
means the currency in which the Card is issued and billed and any Transaction performed by you in a currency not available on the Card will be converted into the Base Currency |
| Card |
means each prepaid card issued by us to you whether with or without your name being printed or embossed on the physical Card. We may offer different types of prepaid Cards which may be subject to Additional Terms and Conditions |
| Card Number |
means the unique sixteen-digit number printed or embossed on the face or reverse of the Card |
| Card Services |
means any services provided by us, our third party Service Providers, or the Program Manager, in connection with the Card, including call centre services |
| Charges |
means amounts (including any fees or charges) payable by you arising from usage of the Card under these Terms and Conditions and includes, without limitation all transactions fees, service charges, additional expenses, damages, legal costs and disbursements |
| Conversion Rate |
means the rate of exchange Applied to a Transaction not in the Base Currency. |
| Distributor |
means the entity who is responsible for marketing the Programme and selling, loading and reloading funds on Cards at the distributor's sole cost |
| Guest Services Team |
means the guest service team at Line Investment & Property malls |
| Gift Card Website |
means the website accessed at www.laka4u.com |
| Identification Checks |
means checks carried out in order to obtain, verify and record information that identifies each person who purchases or loads funds on to a Card. We may ask you for your name, address, date of birth and other information, directly or indirectly that will allow us to reasonably identify you. We will ask to see your passport and/or other identifying documents where required. The activation of the Card is subject to successful verification of your identity by us |
| Issuer |
means Nymcard Payment Services LLC |
| Load |
means to add money to the Card, and 'Loaded' and 'Loading' will be construed accordingly |
| Mall |
means Line Investment & Property malls |
| Merchant |
means any establishment, corporate entity, person or other virtual establishment, supplying goods and/or services, which accepts/honours the Card as a mode of payment |
| POS Terminal |
means an electronic terminal available at Merchants whether local or international, capable of processing Transactions |
| Program Manager |
means the party appointed by us to provide Card Services including card sale and purchase, issuance and activation, card management, customer care, support to Service Locations and such other services as determined by us |
| Replacement Card |
means a substitute Card which may be issued to you in the event of loss or theft of your Card |
| Service Location |
means any participating branch or authorised distributor or a corporate entity's touch point from which Cards can be purchased, issued or loaded |
| Transaction |
means transactions made by using the Card, regardless of whether any slip or other voucher was signed by you and includes the amount charged (or otherwise debited to the Card) by us or a Merchant for any goods, service or benefit (whether or not such service was utilised by you) obtained by the use of the Card, or in any other manner |
| UAE |
means the United Arab Emirates |
| we, us, our |
means the Program Manager, Issuer (Nymcard payment services LLC) and any other partner or third party we may work with in respect to the issuance, management, or distribution of Cards, Line Investments and Property -Sole Proprietorship LLC (where the context permits) |
| Working Day |
means any day of the week, excluding Friday after 1pm, Saturdays, Sundays and statutory holidays in UAE |
| you, your |
means the cardholder or the person to whom the Card is issued |