5% Back Visa® Simon Giftcard®
Simon is the global leader in the retail real estate industry, with 308 properties in the United States.
5% Back Visa® Simon Giftcard® (“Card”) Frequently Asked Questions CUSTOMER SERVICE CONTACT INFORMATION: 10615 Professional Circle, Suite 102; Reno NV 89521 (Address) www.simongiftcard.com (Website) 866-325-6238 (Toll-Free Customer Service Number) These Frequently Asked Questions (“FAQs”) explain the terms and conditions under which a 5% Back Visa® Simon Giftcard® (“Card”) has been issued to you, as well as the 5% Back Bonus offer associated with the Card. The 5% Back Visa® Simon Giftcard® is a prepaid Card issued by MetaBank®, with certain services provided by Blackhawk Network California, Inc. (the “Award Sponsor”). The Award Sponsor is responsible for all questions related to the FAQs, including the terms to the 5% Back Bonus offer. The 5% Back Bonus offer is provided by the Award Sponsor and is not provided or endorsed by MetaBank. This offer is not required for acceptance and use of the Card and the Cardholder Agreement. What is the Card and how do I use it? The Card is a Visa Gift Card that can be used to purchase merchandise and services anywhere Visa debit Cards are accepted in the United States. It is not redeemable for cash, except as required by law. It cannot be used at ATMs, for gambling, or at merchants requiring a manual card imprint. Additional restrictions may apply. We also suggest that you write down the Card number and Customer Service number from the back of the Card on a separate piece of paper in case the Card is lost or stolen. The amount of every purchase you make will automatically be deducted from the value on the Card. How can I check the balance on my Card? There are three ways you can keep track of your balance: visit www.simongiftcard.com; call 866-325-6238 to make automated balance inquiries 24/7; or track your balance as you spend. Some retailers do not have access to the remaining balance on your Card. Do I need to register my Card for online, mail or telephone purchases? Yes, online, mail and telephone order merchants often require that personal information, including name, address, telephone number and email address of the cardholder be verified with the Card-issuing bank prior to purchase. If you wish to make online, mail or telephone order purchases, you should go to www.simongiftcard.com to register your Card. Unless you register your Card in advance, there may be no way an online, mail or telephone order merchant can confirm your identity. Without such confirmation, the merchant might decline your purchase even if there are sufficient funds on the Card. Do fees apply after my Card was purchased? No. There are no fees after purchase. Do the funds on my Card expire? No, the funds on your Card do not expire. Does my Card expire? Your Card will no longer work when the remaining value is equal to $0 or the “valid thru” date printed on the front of your Card has passed. If funds still remain on your Card after the “valid thru” date, please call the Toll-Free Customer Service Number at the top of these FAQ to have a replacement Card with an updated “valid thru” date issued and mailed to you at no cost. The balance on the replacement Card will be equal to the balance on your discontinued Card. Can value be added onto my Card after it is purchased? You may not add value to the Card. The Award Sponsor (Blackhawk Network California, Inc.) will add value to your Card when you shop at participating merchants, as described below under “How can I earn money back by using my Card?”* When all value is used, the Card should be destroyed. Do not give your Card to a merchant to destroy. What if my purchase is greater than the value available on my Card? You must advise the merchant how much is available on your Card. The merchant may complete a split tender transaction and charge the Card for the available balance. The remaining amount of your purchase would require another form of payment. Can I use my Card at restaurants or other service industries when I have enough money left on my Card to cover the bill for food or service? Some restaurants and 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 on the Card, it will be declined. Accordingly, you may want to ensure that your Card has an available balance that is 20% (or) greater than your total bill prior to use. Similarly, some hotels chose to factor in additional amounts upon check-in, and it may take up to thirty days after your stay to have any excess amounts held by the hotel added back to your available balance. Can I use my Card to pay at the pump at gasoline stations? The ability to use your Card to pay at the pump will vary by merchant. We recommend that you prepay for gas inside at the register to avoid an authorization hold on your funds for more than the purchase amount. If my Card is lost or stolen, how do I report it? If your Card is lost or stolen, call the Toll-Free Customer Service Number at the top of these FAQ to cancel your Card as soon as you can. You will need to know your Card number, so be sure to record it in a safe place. You may also be required to provide additional information. If funds remain on your Card, you will be sent a free replacement Card. Can I use a PIN for debit transactions with my gift card? Yes, your initial Personal Identification Number (PIN) will be the last 4 digits of your card number. However, you may personalize your PIN through the cardholder website or by calling the Toll Free Customer Service Number at the top of these FAQs (for more information, see the “Personal Identification Number” section in the Cardholder Agreement below). Note the PIN can only be used for purchases and cannot be used to obtain cash at ATM’s or cash back with a purchase. How can I earn money back by using my Card? When you shop at participating merchants, the Award Sponsor will add a certain percentage (up to 5%) of your purchase amount (including sales tax) to your Card balance. Visit www.simongiftcard.com for a list of participating merchants and the money back percentage award offered by each merchant. The Award Sponsor will round earnings amounts to the nearest whole cent (with amounts below half a cent being rounded down and amounts of half a cent or more being rounded up). If you return an item on which you earned money back, the Award Sponsor reserves the right to deduct the money you earned from your Card balance.* When will my earnings be added to my Card balance? When you make a purchase at a participating merchant, your earnings will be added to your Card balance within 48 hours.* Will I earn more money back when I spend the money that has been added to the Card? Yes. You can continue to earn money back until the balance on your Card is less than 10 cents. At that point, you will stop earning money back (because 5% of an amount less than 10 cents is less than half a cent, and the Award Sponsor rounds earnings to the nearest whole cent).* 5% Back Terms and Conditions* When you shop at participating merchants, the Award Sponsor will add a certain percentage (up to 5%) of your purchase amount (including sales tax) to your Card balance. Visit www.simongiftcard.com for a list of participating merchants and the money back percentage award offered by each merchant. The Award Sponsor will calculate earnings on a purchase by purchase basis and will round earnings amounts to the nearest whole cent (with amounts below half a cent being rounded down and amounts of half a cent or more being rounded up). Earnings generally will be added to your Card balance within 48 hours of the purchase. You can continue to earn money back until the balance on your Card is less than 10 cents. At that point, you will stop earning money back (because 5% of an amount less than 10 cents is less than half a cent, and the Award Sponsor rounds earnings to the nearest whole cent). If you return an item on which you earned money back, the Award Sponsor reserves the right to deduct the money you earned from your Card balance. * The 5% Back Bonus offer is provided by the Award Sponsor and is not provided or endorsed by MetaBank. 5% Back Visa® Simon Giftcard® Cardholder Agreement IMPORTANT - PLEASE READ CAREFULLY CUSTOMER SERVICE CONTACT INFORMATION: 10615 Professional Circle, Suite 102; Reno NV 89521 (Address) www.simongiftcard.com (Website) 866-325-6238 (Toll-Free Customer Service Number) IMPORTANT NOTICES: (1) GIVE THIS DOCUMENT TO THE RECIPIENT OF THE GIFT CARD FOR ANY FUTURE QUESTIONS OR ISSUES. (2) PLEASE READ CAREFULLY. THIS AREEMENT CONTAINS AN ARBITRATION PROVISION (“DISPUTE CLAUSE” SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. (3) ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON YOUR CARD. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE YOUR CARD BALANCE. (4) IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE CARD. SAVE YOUR RECEIPT AND CANCEL THE CARD BY CALLING CUSTOMER SERVICE AND REQUESTING A REFUND CHECK. Fees associated with your Card Purchase Fee: A purchase fee of $3.95 may be assessed at time of purchase. This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which a 5% Back Visa® Simon Giftcard®(“Card”) has been issued to you. The Visa Gift Card is a prepaid Card issued by MetaBank®, with certain services provided by Blackhawk Network California, Inc. (the “Award Sponsor”). By accepting and using this Card, signing the back of the Card, activating the Card, or authorizing any person to use the Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement "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. You agree to sign the back of the Card immediately upon receipt. The Card will remain the property of Bank and must be surrendered upon demand. The Card is nontransferable after it has been signed, 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. These terms and conditions apply to both the purchaser and any other user of the Card. It is the purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered by contacting Customer Service. 1. ABOUT YOUR CARD The Card is a prepaid Card loaded with a specific amount of funds, redeemable to buy goods and services anywhere Visa debit Cards are accepted. The Card is NOT a credit Card. The Card is not a checking account or connected in any way to any account other than a stored value account where your funds are held. You will not receive any interest on the funds in your Card account. If you have registered your Card, the funds in your Card account will be insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. You may register your Card by visiting the Website at www.simongiftcard.com or calling the Toll Free Customer Service Number at 866-325-6238. You may not load additional funds to the Card. The Award Sponsor will add value to your Card when you shop at participating merchants pursuant to the 5% Back Bonus terms and conditions. Please visit www.simongiftcard.com, consult your Frequently Asked Questions, or contact Customer Service for more information on the 5% Back Bonus offer. The 5% Back Bonus offer is provided by the Award Sponsor and is not provided or endorsed by MetaBank. It is not a requirement of card use. 2. USING YOUR CARD a. Accessing Funds and Limitations You may use your Card to obtain goods or services wherever the Card is honored. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction. Your Card cannot be: (1) redeemed for cash; (2) used to obtain cash in any transaction; (3) used for illegal transactions; (4) used to make foreign transactions; or (5) used for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc. For security reasons, we may limit the amount or number of transactions you can make on your Card. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Your card is valid in the U.S. only. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States. Although your Card will not be accepted at locations outside of the United States, it is welcome at millions of locations within the U.S. where Visa debit cards are accepted. b. Personal Identification Number (“PIN”) You will receive a Personalized Identification Number ("PIN") 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 Customer Service or visit our Website. Cards are not accepted at ATMs and cannot be used to obtain cash in any purchase transaction. You should not write or keep your PIN with your Card. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled “Unauthorized Transactions.” c. Obtaining Card Balance Information You should keep track of the amount of value loaded on Cards issued to you. You may obtain information about the amount of money you have remaining in your Card account at no charge by contacting Customer Service. This information, along with a 60-day history of account transactions, is also available online by visiting our Website. You also have the right to obtain a sixty (60) day written history of account transactions by contacting Customer Service. d. Authorized Users Until you sign, you may present the Card to another person. If you do provide access to your Card or Card number, you are liable for all transactions made with the Card or Card number by those persons. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. You are responsible for all transactions and fees incurred by you or any other person you have authorized. e. Authorization Holds You do not have the right to stop payment on any purchase transaction originated by use of your Card. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. 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. f. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. g. Receipts You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction. h. Split Transactions and Other Uses If you do not have enough funds available in your Card account, you may be able to instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if you used the Card itself. Payment for pay-at-the-pump stations must be made inside. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction. 3. REPLACEMENT CARD The funds on your Card do not expire. The "valid thru" date indicated on the front of your Card is not an expiration date, but is intended primarily for fraud protection purposes and also permits your Card to be used with certain Internet or mail/telephone order merchants. After the "valid thru" date, your available funds will be temporarily unavailable until you contact Customer Service for a replacement Card with a new "valid thru" date. You will not be charged a replacement Card fee if you are ordering a replacement Card due to your Card expiring, in order to continue accessing unused funds. If your Card still has unused funds on it after your Card expires, you may order a new Card by contacting Customer Service. Upon contacting us for any lost/stolen card, your funds will be temporarily unavailable until you activate your replacement Card. 4. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, excluding federal holidays. 5. UNAUTHORIZED TRANSACTIONS a. Contact Customer Service Immediately If you believe your Card has been lost or stolen or an unauthorized transaction has been made using the information from your Card without your permission, contact Customer Service IMMEDIATELY. We will ask for the Card number and other identifying details. We cannot assist you if you do not have the Card number. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card or unauthorized transaction, and you agree to cooperate with such investigation. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction. A reissued Card may take up to 30 days to process. b. Your Liability for Unauthorized Visa Prepaid Card Transactions Under Visa’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals. 6. NO WARRANTIES AND LIMITATION OF LIABILITY We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with a Card or using the Card Account. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction; (2) If a merchant refuses to accept your Card; (3) If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; (4) If access to your Card has been blocked after you reported your Card lost or stolen; (5) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or (6) For any other exception stated in our Agreement with you. 7. OTHER TERMS 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 (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). 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 Agreement will be governed by the laws of the state of South Dakota except to the extent governed by federal law. Should your Card have a remaining balance after a certain period of time, we may be required to remit the remaining funds to the appropriate state agency. 8. AMENDMENT AND CANCELLATION We may amend or change the terms of this Agreement at any time, subject to applicable law. You will be notified of any change in the manner required by applicable law prior. However, if the change is made for security purposes, we can implement such change without prior notice. 9. ENGLISH LANGUAGE CONTROLS Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language. 10. PRIVACY AND DATA PROTECTION a. Information We Collect (“Cardholder Information”): (i) Information about purchases made with the Card, such as date of purchase, amount and place of purchase. (ii) Information you provide to us when you apply for a Card, or for a replacement Card or when you contact us with Customer Service issues, such as name, address, phone number. b. Information Security: Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information. c. Disclosure We may use Cardholder Information to provide Customer Services, to process claims for lost or stolen Cards, to develop marketing programs, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf, or other institutions with which we have a joint marketing agreement. We may also provide certain Cardholder Information to others as permitted by law, such as to government entities or other third parties in response to subpoenas. Without limiting the foregoing, we may disclose information to third parties about you, your Card or the transactions you make (1) Where it is necessary for completing transactions; (2) In order to verify the existence and condition of your Card for a third party, such as merchant; (3) In order to comply with government agency, court order, or other legal reporting requirements; (4) With your permission; or (5) To our employees, auditors, affiliates, service providers, or attorneys as needed 11. WAIVER OF RIGHT TO TRIAL BY JURY YOU AND WE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE DISPUTE CLAUSE SET FORTH IN THE FOLLOWING SECTION, IF APPLICABLE, WHICH CONTAINS ITS OWN SEPARATE JURY TRIAL WAIVER.
*Gift card valid in U.S. Only* Visa Gift Cards can be used to buy merchandise and services anywhere Visa debit cards are accepted, except where a manual imprint is required. Funds do not expire. No Fees After Purchase No Expiration of Funds