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Version July 2016 acceptance points without further instruction. Furthermore, the account-holder
The present General Terms and Conditions (“Terms”) are applicable to the undertakes to settle accrued charges and interest as well as costs incurred by
personal payment cards (“card”) issued by BonusCard.ch Ltd (the “issuer”). They the issuer for services rendered on top of the transactions conducted using all
govern the legal relationship between the issuer and the cardholder or associated cards. The use of the card for illegal purposes is forbidden.
account-holder. The masculine form has been used to enhance readability,
although all provisions apply to all persons equally, irrespective of gender. The 2.2 Personal cards on credit basis
List of Fees as amended shall also form an integral part of these Terms; it may be The account is activated when the balance is at least as high as the activation fee
inspected at any time on the relevant product website. for the first time. The size of the balance is equal to the in-payments less card
turnover and charges. It is not permissible for the card to be debited beyond the
1. General provisions credit balance. In the event of a negative account balance, the account-holder
1.1 Card issue undertakes to ensure that the account is balanced by paying in an appropriate
Upon acceptance of the card application or on account of direct delivery by the amount immediately. The provisions regarding arrears (cf. clause 4.3) are
issuer, the cardholder receives a personal, non-transferrable card issued by applicable accordingly in this instance. The credit balance may not exceed the
name and possibly also an associated, individual PIN code for using the card at maximum account balance stated on the List of Fees under any circumstances.
machines and devices requiring the entry of a PIN (“device”). The issuer reserves Where the card has not been renewed and the balance is less than the charge
the right not to mail and/or activate the card and/or the PIN code until a fee has payable, the remaining balance is credited to the issuer.
been paid and/or to explicitly have the card activated after receipt by the
account-holder. All cards remain the property of the issuer. 2.3 Limits
The cardholder is notified of the respective limit in writing when the card is
1.2 Main and additional cards delivered or the limit corresponds to the present account balance in the case of
Each card is assigned to an account through which all transactions involving personal, stored value cards on a credit basis. The issuer may restrict cash
associated cards are settled. The account-holder is the main cardholder or a withdrawals further within the limit. The cardholder undertakes only to use his
company (cf. clause 1.3) and has extensive rights to inspect and obtain informa- card within the bounds of his financial means and within his limit. The currently
tion. An account-holder may, together with further applicants, apply for personal, applicable amount of the limit/balance is shown on the account statement. The
non-transferrable cards (“additional cards”) that are managed and settled current balance, cash withdrawal limit or other information can be supplied by
through his account. Where no power of attorney to different effect has been the issuer on request. Some information is also viewable at cash machines or
received from the account-holder, the right to inspect and obtain information online at www.myonlineservices.ch. The use of the card in excess of the respective
from the issuer is limited for a holder of an additional card to his own data and limit is not permissible.
transactions. Where an additional card is issued, the account-holder and the
additional cardholder have unlimited, joint and several liability for all obligations 2.4 Modifications
entered into in conjunction with the additional card. In other respects, the same The issuer may expand, limit or withdraw the usage possibilities of the card, PIN
Terms and conditions are applicable for additional cards as for main cards. code and the limit at any time without stating reasons.