This cardholder agreement is for the following cards: CEYRON Visa* Prepaid Card.
Your acceptance and use of your CEYRON Visa Prepaid Card, as applicable, is subject to the terms set out in this Agreement. By using your Card or allowing anyone else to use your Card, you are agreeing to the terms and conditions and fees outlined below.
IMPORTANT INFORMATION ABOUT YOUR CEYRON CARD
Card Expiry and Access to Balance: Your right to use the funds loaded onto the Card will not expire. If funds remain on the Card after the “good thru” date, simply contact customer service at 1-819-255-4900 or by emailing [email protected] for instructions on how to receive a replacement Card free (see CEYRON Visa Prepaid Metal Card for details) of charge or the return of your funds.
Fees: By registering and using your Card, you agree that you have been advised of the fees and you agree to pay all fees charged under this Agreement. The Fees are subject to change. You will be notified in advance of these changes so please keep the contact information associated with your Card up-to-date.
VISA CARD FEES
|
Description |
XOF |
|
|
|
Virtual card-Instant delivery |
5 000 |
||
|
Plastic card-Order |
10 000 |
||
|
Domestic cash ATM withdrawal |
2 750 |
||
|
International ATM Cash withdrawal |
3 300 |
||
|
POS international purchase |
3,30% |
||
|
Card reload |
1100 |
||
|
From 1000-50000 |
|||
|
2% |
|||
|
Over 50000 |
|||
|
Insufficient funds/ATM Cash withdrawal |
220 |
||
|
Denial / ATM cash withdrawal |
220 |
||
|
Insufficient funds /denial POS purchase |
220 |
||
|
Insufficient funds /ATM cash withdrawal |
220 |
||
|
Insufficient funds / denial POS purchase |
220 |
Card Information and Balance: For up-to-date Card terms and conditions, to obtain the expiry date of your Card, or to check your Balance for free, you will need to download the CEYRON mobile application from the App Store or Google Play™ or call the customer service number at 1-819-255-4900 or by emailing [email protected].
Card Restrictions: Cardholders must be of the age of majority in the province or territory where they reside and are restricted to (i) one metal/plastic and one virtual CEYRON Visa Prepaid Card per person. Use of your Card in certain countries may be restricted by Applicable Law. Pre-authorized debit (PAD) transactions, where you authorize a company or organization to withdraw funds from your Card, will be processed as they are received and deducted from your available balance, which may change as you use your Card. At the time we process the PAD, UBA will reject the PAD if funds are not available on your Card, or a PAD transaction is deemed suspicious pursuant to CEYRON’s risk management and financial crime policies. UBA will not be liable for any costs incurred by you as a result of such rejected PAD. Your Card may be deactivated at any time if fraud, related to your Card or use of your Card, is suspected. You do not have the right to stop the payment of any transaction you conduct with the Card. You may not use your Card to commit or facilitate any illegal or prohibited activity. You may not add funds to your Card via wire transfer. Your Card is subject to minimum and maximum daily Load, transaction, and withdrawal limits, as set out below. The Card is subject to maximum transaction limits, as set out below. UBA may change these limits in accordance with Applicable Law and will post notice on www.Ceyron.net at least thirty (30) days in advance of the date such change is to come into effect. The change will take effect on the date indicated in the notice. Your continued use of the Card, after the change to the limits has come into effect, will be taken as your acceptance of that change. The change will take effect on the date indicated in the notice. Your Card (or card number) cannot be used for “cashback” transactions where a merchant charges you an amount greater than the price of the goods and services purchased. Your Card may also not work at unattended terminals (such as parking or pay at the fuel pump stations).
Who Issues Your CEYRON Card: The CEYRON Card is issued by UBA pursuant to licence by Visa International Incorporated. This Agreement is between you and UBA. CEYRON is a distributor of the CEYRON Card. CEYRON is a service provider for UBA for the purposes of managing some aspects of the CEYRON Card program, such as providing balance information to Cardholders and delivering communications from UBA to Cardholders through the CEYRON App or Website or using contact details provided through the CEYRON App. Where relevant to our relationship with you those services are referenced in this Agreement. CEYRON may offer and provide services to Cardholders as a service provider to the Cardholders, and not on behalf of UBA. Those CEYRON services provided to you by CEYRON are subject to agreements, if any, between you and CEYRON. UBA DOES NOT PROVIDE THOSE CEYRON SERVICES AND IS NOT RESPONSIBLE FOR THEM, OR ANY LOSS, HARM OR DAMAGE OF ANY KIND YOU MAY SUFFER AS A RESULT OF USING CEYRON SERVICES ON ANY THEORY OF LIABILITY, LEGAL, EQUITABLE OR OTHERWISE.
VISA CARD LIMITS
|
Description |
XOF |
Number of |
|
Transaction |
||
|
Maximum card balance |
2 000 000 |
- |
|
Maximum card reload in any 24 hour period |
3 000 000 |
5 |
|
Maximum card reload per transaction |
2 000 000 |
- |
|
Maximum domestic ATM withdrawal in any 24 hour period |
950 |
5 |
|
Maximum domestic ATM withdrawal per transaction |
500 |
- |
|
Maximum international ATM withdrawal in any 24 hour period |
1 200 000 |
- |
|
Maximum international ATM withdrawal per transaction |
500 000 |
- |
|
Maximum International POS purchase in any 24 hour period |
3 000 000 |
20 |
|
Maximum international POS purchase per transaction |
1 000 000 |
- |
|
Maximum internet amount in any 24 hour |
3 000 000 |
20 |
|
Maximum internet amount per transaction |
1 000 000 |
- |
Funds loaded onto the Card are not insured by the Canada Deposit Insurance Corporation (CDIC).
Lost or Stolen Cards: You must take all reasonable steps to protect your Card and/or PIN against loss, theft or unauthorized use. You should not maintain a written record of, or disclose the PIN to a third party, including family members and friends. In the case of a Joint Account, you may only use the Card and PIN issued to you. Avoid PIN combinations that may be easily guessed by others. If you lose your Card and/or PIN or you become aware that your PIN may have become known to someone else, or if you have reason to believe that someone has made an unauthorized transaction with your Card, or may attempt to use your Card without your permission, you must IMMEDIATELY lock your Card in the mobile application and notify customer service by messaging via the CEYRON App chat or by calling at 1-819-255-4900 or by emailing [email protected] If you do not notify us IMMEDIATELY then all transactions carried out on your Card before you notify us will be considered to have been made by you.
CEYRON Visa Prepaid Metal Card: This section applies only to the CEYRON Visa Prepaid Metal Card. If your card is stolen, lost or otherwise misplaced, in addition to the stipulations listed above, you must pay a fee of $100 in order to receive a replacement CEYRON Visa Prepaid Metal Card. If you choose to not order a replacement CEYRON Visa Prepaid Metal Card, you can contact CEYRON customer service by messaging via the CEYRON App chat or by calling at 1-819-255-4900 or by emailing [email protected] to place an order to receive a CEYRON Visa Prepaid Card (plastic) free of cost.
Split Tender Transactions: If the Balance on your Card is not sufficient to cover the full point of sale transaction amount, you may ask the merchant if they will accept a split tender transaction. A split tender transaction allows you to use the remaining Balance on your Card to pay for part of the transaction amount and cover the difference with another form of payment (e.g. cash, cheque, credit or debit). If you fail to inform the merchant that you would like to complete a split tender transaction prior to using your Card, your Card may be declined. Merchants do not have to and may not agree to accept split tender transactions.
Personal Information: By applying for a Card, you consent to the collection, use, disclosure and retention of your personal information by UBA and its service providers as described below. If you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card.
Key Cardholder Responsibilities under this Agreement:
● You must take all reasonable steps to protect the Card (and PIN, if applicable) against loss, theft, or unauthorized use. If you lose the Card (or PIN), you must call customer service immediately.
● You must activate the Card as instructed upon receipt of the Card.
● You must surrender the Card to us immediately upon request by us.
● You must ensure that there is a sufficient Balance on the Card to cover the full amount of transactions made with the Card.
● If your information associated with the Card changes, you must notify us of the change(s).
● If you become aware that your information associated with the Card is incorrect, you must notify us of the correct information.
● If you find an error in any transaction record, you must communicate the error to the merchant with whom you made the transaction.
● If you wish to dispute a transaction on your Card, you must notify us in writing of your dispute within sixty (60) days of the transaction date.
● You must only use our online resources as set out in ‘Website and Availability’, below.
DETAILED TERMS AND CONDITIONS DEFINITIONS
“Account” or “CEYRON Account” refers to your regular, joint or premium account (or a combination of those accounts) with CEYRON to facilitate your Balance savings or spending conducted via your Card supported by the CEYRON App.
“Agreement” means this Cardholder Agreement between UBA and the Cardholder and all documents that are expressly referred to in this Cardholder Agreement, which govern your use of the CEYRON Visa Prepaid Card.
“Amendment” refers to any change to a term or condition of this Agreement or to the addition of a new term or condition.
“Applicable Law” means the Trust and Loan Companies Act (Canada), The Personal Information Protection and Electronic Documents Act (Canada), the Act Respecting the Protection of Personal Information in the Private Sector (Quebec), the Consumer Protection Act (Quebec), the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, Canada’s Anti-Spam Legislation (CASL), PCI DSS or any other statute, regulation or operating rule of any Governmental Authority or any other regulatory authority that UBA and CEYRON are subject to, or any bylaw, operating rule or regulation of Visa.
“ATM” means an Automated Teller Machine.
“Balance” means the amount of the funds loaded to the Card and reflects the total amount of funds in your Spendable and Savings Goal.
“Bill Pay” means the CEYRON functionality available for users to pay bills by adding in the recipient institution as a payee.
“Card” or “CEYRON Card” means a plastic, virtual or metal CEYRON Visa Prepaid Card.
“Cardholder” means you, or for Cardholders on a Joint Account, each of you, or any other individual who requests, activates, receives or uses the Card. The Cardholders of Joint
Accounts are also referred to as “Joint Cardholders”.
“Canada’s Anti-Spam Legislation (CASL)” means an Act to promote the efficiency and adaptability of the Canadian economy by regulating certain activities that discourage reliance on electronic means of carrying out commercial activities, and to amend the Canadian Radio- television and Telecommunications Commission Act, the Competition Act, the Personal Information Protection and Electronic Documents Act and the Telecommunications Act (Canada), and its regulations, as may be amended from time to time.
“Direct Debit” means a form of payment where you enter into a pre-authorized debit (PAD) agreement with a biller and provide payment details so that the biller can pull funds to their bank account to pay your bills, and have the amount charged to your Card. You may also enter into a pre-authorized debit agreement with other financial services providers to manage your finances, for example, to move funds from your Card into your investment accounts. For convenience, all service providers who pull funds from your Card under a PAD agreement are referred to as a “Direct Debit Payee” in this Agreement.
“Governmental Authority” means any federal, provincial, territorial, regional, municipal or local governmental authority, quasi- governmental authority (including the Office of the Superintendent of Financial Institutions), government organization, commission, board, professional agency, tribunal, organization, or any regulatory, administrative or other agency, or any political or other subdivision, department, or branch of any of the foregoing, in each case to the extent it has jurisdiction over UBA and/or CEYRON or any Person, property, transaction, activity, event or other matter related to this Agreement. The above definition is deemed to include any interim or permanent transferee or successor of a Government Authority’s underlying mandate, function or activity.
“Joint Accounts” means two Cards which are linked so that one single Balance may be accessed and used by either Cardholder using either Card. (Joint Accounts are not available for CEYRON Premium Visa Prepaid Cards. This section applies only to CEYRON Visa Prepaid Cards.)
“CEYRON” when referred to as a person or entity, means CEYRON Finance Inc. and its successors, subsidiaries, affiliates or assignees.
“CEYRON App” means the CEYRON mobile application operated by CEYRON and available from the App Store and Google Play™.
“Load” or “loading” means adding funds to the Card to obtain a Balance.
“Net Purchase” means the full amount charged to a Card for a purchase of goods and/or services made by a Cardholder, excluding: (i) returns; (ii) cash advances, (iii) fees; and (iv) adjustments;
“Payroll Direct Load and Payment Details” means the transit, institution and “account” numbers available through the CEYRON App to permit Payroll Direct Transfers and Direct Debits to be processed. The account number provided refers to a payment processing account that we create for our own use only, to allow us to process Direct Debit payments chargeable to your Card and Payroll Direct Load to your Card. It does not reference a deposit account held by you or for your use.
“Payroll Direct Load” is a form of load where you enter into a direct credit arrangement with your employer or Governmental Authority so that your payroll or Government benefits are automatically paid in a manner that permits them to be loaded on your Card.
“PCI DSS” means a multifaceted security standard defined by Payment Card Industry Security Standards Council and includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures.
“Person” means an association, a corporation, an individual, a partnership, a trust, an unincorporated organization or any other entity or organization.
“PIN” means a Personal Identification Number used with your Card at ATMs for additional security.
“POS” means point of sale, where you can use the Card to purchase goods or services from a merchant.
“Premium Card” means the CEYRON Premium Visa Prepaid Card purchased, activated, received or used by the Cardholder.
“Premium Card Benefits” means access to additional rewards, features and offers, available to Cardholders subscribed to the CEYRON Premium Visa Prepaid Card.
“Savings Goal” means funds virtually separated from your Spendable by a pre-set determination to meet a set goal.
“Spendable” means the totality of the funds in your CEYRON Account you have available to spend without using funds available in your Savings Goal (if set up).
“Transaction Amount” means the amount that is debited from the Balance in connection with your use of the Card, which includes the amount of the Balance to be transferred, the Card service charges and the taxes imposed to complete the transaction.
“Visa” means Visa International Incorporated and its successors and assigns.
“Visa Conversion Rate” means the rate that we pay to Visa to convert foreign currency to XOF currency plus foreign exchange charge.
“we”, “us”, “our”, and “issuer” each mean UBA and our successors, subsidiaries, affiliates or assignees.
“Website” means the www.Ceyron.ca website operated by CEYRON.
“You”, “your”, and “yours” mean the Cardholder and any other person the Cardholder allows to use the Card, whether or not permitted by the Agreement.
CEYRON CARD USE
Acceptance: This Agreement constitutes a binding agreement between you and issuer with respect to the terms of use of the Card. By purchasing, activating and/or using your Card you agree to be bound by and accept the terms and conditions set out in this Agreement.
Use and Ownership of Your CEYRON Card: Your CEYRON Card is reloadable.
Only people who can lawfully enter into contracts and are the age of majority in the Canadian province or territory where they live can have a Card. We may refuse to issue a Card to you or allow you to use your Card to make a purchase at any time and for any reason. The Card is owned by us and will remain our property. We will mail the Card to the address you provide. You will be solely and completely responsible for the possession, use and control of the Card. If we request it, you must return the Card to us immediately. Your Card may not be used for any illegal or prohibited transactions or purposes. If you authorize another person to use the Card you agree, to the extent permitted by Applicable Law, that you will be liable for all transactions arising from use of the Card by such person.
Loading, Allocating, or Obtaining Repayment of Funds on Your CEYRON Card: Load, savings allocation, and repayment services are provided by CEYRON or its service providers, and not by us. You agree that CEYRON, or its service providers, act as your authorized agent, and not ours, and have your full authority to instruct us with respect to loading, allocating funds for savings purposes or paying funds to CEYRON or its service providers for return to you. You agree that we may accept instructions to Load funds on your Card, to allocate and lock off funds loaded on your Card for saving purposes or to pay funds to CEYRON or its service providers for return to you by CEYRON or its service providers, as if we received those instructions directly from you in writing. When funds are allocated for savings purposes you may not be able to access or use them when making purchases on your Card unless you unlock them by contacting CEYRON or through the CEYRON App. Locking funds for savings purposes could result in transactions being refused by us for insufficient funds even if the funds are loaded on your Card. In order to permit repayment of funds on your Card to you, you agree that we may debit your Card for amounts that CEYRON, or its service providers, request that we pay service providers for you, and that we are not obligated to ensure that CEYRON or its service providers deal with any funds paid to them in accordance with your instructions to them. YOU ALSO AGREE THAT WE WILL NOT BE RESPONSIBLE FOR ANY ERRORS MADE OR LOSS CAUSED BY CEYRON OR ITS SERVICE PROVIDERS IN PROVIDING US WITH LOAD, SAVINGS ALLOCATION OR REPAYMENT INSTRUCTIONS UNDER ANY CIRCUMSTANCES, INCLUDING IF CEYRON OR ITS SERVICE PROVIDERS ARE NOT ACTING ON OR IN ACCORDANCE WITH PROPER OR GENUINE INSTRUCTIONS FROM YOU. In such cases, you agree that you will not make or advance any claim against us, and that your sole claims, if any, shall be against CEYRON or its service providers who provided us with instructions, and subject to the terms of any agreements you may have with those parties. Methods available for loading or requesting repayment of funds on your Card, or allocating funds for savings purposes, may be obtained on the Website, through the CEYRON App, or otherwise from CEYRON. You may be required to enter into other agreements with CEYRON or its service providers to obtain these services.
Subject to applicable fees, funds loaded to your Card will be available immediately after the Load is confirmed by us. The time before funds become available may vary between Load methods. Neither the funds provided by you to Load the Card nor the Balance on the Card are a deposit, and they do not establish a separate individual deposit account. You will not receive interest on the Balance or on any funds you Load onto the Card. Where repayments are requested, funds will be debited against your Balance when we receive instructions from CEYRON or its service providers to make payment to them. Payment and processing times from CEYRON or its service providers are not within our control.
Using Your CEYRON Card as a Method of Payment: Subject to the terms of this Agreement, you may access the Balance available on your Card to purchase goods and services wherever Visa is accepted, including mail order, online and POS retail merchants. The Card includes a PIN that can be used to withdraw up to the amount of the Balance available on the Card, or, if lower, the maximum amount permitted under this Agreement, in cash at ATMs displaying the Visa acceptance marks. When you use the Card, the amount of the purchase or withdrawal, plus any applicable fees and taxes, will be deducted from the available Balance associated with your Card.
You agree that we are not required to verify the signature on any sales draft prepared in connection with a transaction on your Card, and we may authorize and process a transaction even if the signature on the sales draft is different than the signature on your Card. We are not liable to you for declining authorization for any particular transaction, regardless of our reason. We may, in our sole discretion, cancel or suspend any features or services of the Card at any time, with or without cause, as permitted by Applicable Law. When required, we will send you notice before doing so.
If you use your Card for card-not-present transactions (such as online, mail or telephone purchases), the legal effect is the same as if you used the physical plastic or metal Card.
Some merchants (including, but not limited to, fuel stations, restaurants, hotels, cruise lines or car rental companies) may pre- authorize the transaction amount for the purchase amount plus up to 20% (or more) above the purchase amount to ensure there are sufficient funds available on your Card to cover any tips or incidental expenses. In such cases, your transaction will be declined if your Balance will not cover the transaction amount plus the additional amount. A pre-authorization places a ‘hold’ on an amount of your available Card funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the pre-authorization amount on hold in excess of that final payment amount will be released. The time it takes for a pre-authorization hold to be removed may vary depending on the type of merchant. The hold is typically removed between five (5) and fifteen (15) business days for most standard merchants, including hotels, cruise lines and car rental agencies. During the hold period, you will not have access to the pre-authorized amount.
You may also use your Card to pay some of your bills, or manage and move your funds, by Direct Debit, where the Direct Debit Payee accepts payment in this way. To make payment by Direct Debit you must first obtain the Payroll Direct Load and Payment Details for your Card from CEYRON. These payment details are different from your Card number. You may use the Payroll Direct Load and Payment Details to provide payment instructions in a pre-authorized debit agreement you enter into with a Direct Debit Payee. If you do not obtain and provide accurate Payroll Direct Load and Payment Details to the Direct Debit Payee, the request for payment will not be received or processed. You are also responsible for ensuring that you have adequate funds on your Card to make all Direct Debit payments that you authorize before the payment request(s) are received. YOU UNDERSTAND THAT YOUR PAYROLL DIRECT LOAD AND PAYMENT DETAILS ARE SENSITIVE INFORMATION AND MAY BE USED TO ACCESS FUNDS LOADED ON YOUR CARD. YOU AGREE THAT ALL OBLIGATIONS THAT YOU HAVE UNDER THIS AGREEMENT TO PROTECT AND DISCLOSE ANY COMPROMISE TO YOUR PIN APPLY WITH EQUAL FORCE TO YOUR PAYROLL DIRECT LOAD AND PAYMENT DETAILS, EXCEPT THAT THEY MAY BE USED AND DISCLOSED BY YOU TO A DIRECT DEBIT PAYEE WITH WHOM YOU ENTER INTO A DIRECT DEBIT ARRANGEMENT OR TO PERMIT A PAYROLL DIRECT LOAD. If you request and use Payroll Direct Load and Payment Details you understand that you do so at your own risk. However, if a Direct Debit is wrongly processed to your Card you may be able to make a reimbursement claim. To make a reimbursement claim you must contact CEYRON to obtain the appropriate forms and documents and submit a reimbursement claim in writing in a timely manner. You acknowledge and agree that our only obligation in seeking reimbursement for a Direct Debit made to your Card is to submit your claim, when provided to us by CEYRON or by you, in accordance with the payments rules which regulate Direct Debit arrangements. Reimbursement claims may be possible for up to ninety (90) days for consumer transactions or up to ten (10) days for business transactions.
Access to Your CEYRON Card Balance: You may obtain information about the remaining Balance on the Card by accessing the CEYRON App or by calling customer service’s number at 1-819-255-4900 or by emailing [email protected]. Transaction history information is available in the CEYRON App. We will, upon your request and for the fee stated in the table marked ‘CEYRON CARD FEES’ in the Information Disclosure Summary section, send to you an electronic statement of each POS transaction or ATM transaction for which you use the Card. It is your responsibility to obtain such a record and ensure that it is accurate. We are not responsible for providing you with any transaction record or periodic statement.
Insufficient or Negative Balance, Inactivity, and Excess Credit: In the event that, due to a systems malfunction or for any reason whatsoever, you receive cash or credit in excess of what has been paid by you, we may correct such error when discovered and adjust the Balance available on the Card. You agree to reimburse us, for any excess cash or credit received, upon demand.
You are not allowed to exceed the Balance available on your Card for any transaction or cash withdrawal. It is your responsibility to ensure that there is a sufficient Balance on your Card to cover transactions in addition to the funds that have been allocated by you for savings purpose. Your Balance will reflect all transactions that have been posted to our system. If you attempt to use the Card when there is insufficient Balance available to cover the full transaction amount, the transaction in most instances will be declined.
In the event that there is not a sufficient Balance on the Card to pay fees, we may deactivate the Card without notice. If your Card has a negative Balance and three (3) consecutive transactions are conducted while the Card has a negative Balance, we will disable the Card to prevent any further transactions until the Balance on the Card is brought back to a positive Balance. You must not attempt to cause the Card to have a negative Balance. If a negative Balance is created on the Card following any transaction initiated or authorized by you, then you agree to repay the amount of the negative Balance to us within ten (10) days of such transaction. If the Card has a negative Balance for sixty (60) consecutive days, we will put the Card into a suspended state so that no other transaction can be processed. Please call customer service at 1-819-255-4900 or by emailing [email protected] if you wish to continue using the Card.
If there is no activity on the Card for ninety (90) consecutive days and the Balance on the Card is zero (XOF 0.00) or negative, we will put the Card into a suspended state so that no other transaction can be processed. Please call customer service at 1-819-255-4900 or by emailing [email protected] if you wish to continue using the Card. If the Card has a Balance of zero (XOF 0.00) or negative and there have been no transactions for one hundred and twenty (120) days, we may close the Card.
CEYRON Programs: From time to time CEYRON may offer certain products and/or services to users of the Card and the CEYRON App (collectively, “CEYRON Programs”). CEYRON Programs include but not limited to CEYRON Credit Building Program. The CEYRON Programs are not features of the Card and the terms and conditions relating to your use of or participation in CEYRON Programs are not contained in this Agreement. CEYRON Programs are not offered or funded by us and we are not responsible for them; they are subject to the agreement between you and CEYRON. Disclosures pertaining to CEYRON Programs will be presented to you in-app when you opt-in to these CEYRON Programs and can also be viewed on the CEYRON website at www.ceyron.net. YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY CLAIM TO RECEIVE BENEFITS OR TO RECOUP ANY LOSS, DAMAGE, OR HARM OF ANY KIND WHATSOEVER, ON ANY BASIS, LEGAL OR EQUITABLE, RELATING TO ANY CEYRON PROGRAMS OR YOUR USE OF THE CEYRON APP. You agree that you will not make or advance any such claim against us, and that your sole claims, if any, shall be against CEYRON, and subject to the terms of any agreements you may have with CEYRON. For information about CEYRON Programs you must contact CEYRON directly or visit the CEYRON Website at www.ceyron.net. If you have any question or a dispute relating to your use of or participation in a CEYRON Program, you must contact CEYRON directly.
CEYRON Program Fees and Repayment: Payment of fees incurred through your participation in the applicable CEYRON Program and repayment of any amounts or advances requested through the applicable CEYRON Program will be made by PAD pursuant to your agreement with CEYRON for the applicable CEYRON Program and will be debited against your Balance or linked external bank account. UBA is not the lender or operator for any CEYRON Program. If you have any question or a dispute relating to amounts debited against your Balance or linked external bank account as repayment of amounts or advances requested under a CEYRON Program or a fee incurred due to participation in a CEYRON Program, you must contact CEYRON directly.
Transactions Made in Foreign Currencies: We convert any transactions made in a foreign currency to XOF using a Visa Conversion Rate in effect on the day the transaction is posted to your Card. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. The Visa Conversion Rate may not be the same as the rate that existed on the date the transaction was made. For CEYRON Cards only, we add a Foreign Exchange Transaction Fee to your transaction amount. If a foreign currency transaction is refunded to your Card, the Visa Conversion Rate used to convert your refund to Canadian dollars for your Card is also the rate that we pay to Visa. This rate that we pay to Visa may not be the same as the rate that existed on the date the transaction was refunded. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to your Card for that transaction. For CEYRON Cards only, we subtract a Foreign Exchange Transaction Fee from the amount that we refund to your Card.
Card “Good Thru” Date: The Card will be valid and usable until the “good thru” date. Contact customer service 1-819-255-4900 or by emailing [email protected] to receive a replacement Card with a new, expiry date, provided that your Card is in good standing (Please see CEYRON Visa Prepaid Metal Card section about replacement). You are still entitled to the funds Loaded on the Card after the Card itself expires.
Protection Against Loss, Theft, or Unauthorized Use: If your Card is lost or stolen, you will be asked to provide us with the name on the Card and client number, and to answer an identifying question drawn from your personal information. If you lose the Card, someone might be able to use the Balance on the Card. It can be used without a PIN to make purchases. We will refund any remaining Balance after we have processed all transactions completed before we had an opportunity to act on your information or, if the Visa Zero Liability Policy applies, all transactions for which you are covered under the Visa Zero Liability Policy. You may lock your card within the CEYRON App or call 1-819-255-4900 or by emailing [email protected] for the immediate cancellation of the Card upon your request. A replacement Card with any remaining Balance (less our fees as stated in the table marked ‘Fees’ in the Information Disclosure Summary section, where applicable) will be issued within two (2) business days after you report the Card lost or stolen to customer service at 1-819-255-4900 or by emailing [email protected] and consent to a card re-issue.
With the Visa Zero Liability Policy, you will not be liable for any unauthorized use of the Card on any transactions processed by Visa. The Visa Zero Liability Policy will not generally apply to commercial cards or transactions or to transactions, such as Direct Debit, which are not processed by Visa. In any case, you must notify us immediately of any unauthorized use. You must establish to our satisfaction that you are not responsible for the disputed transaction. Verification of a Zero Liability claim can take up to one hundred and twenty (120) calendar days once all the paperwork has been received and confirmed by us, and may require a police investigation.
COLLECTING AND USING YOUR PERSONAL INFORMATION
Personal Information Consent: By applying for a Card, you consent to the collection, use, disclosure and retention of your personal information by us and our service providers for purposes relating to your application for a Card and your use of a Card (if issued to you) and as otherwise described below. If you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card. As explained below, you may withdraw your consent at any time by cancelling your Card and all related services from us by contacting customer service at 1-819-255-4900 or by emailing [email protected].
What We Collect: We and CEYRON, acting as our service provider, will collect information about you (e.g. your name, address, telephone number and date of birth) when you apply for a Card and, if a Card is issued to you, we, CEYRON and CEYRON’s providers of services related to your card, including CEYRON’s processor will collect information about you and your use of the Card and related services, including information about your Card transactions (e.g. the date, amount and place of each transaction) (all collectively “CARDHOLDER INFORMATION”). We and CEYRON will collect your Cardholder Information directly from you and from other sources, including third party providers of identity verification, demographic and fraud prevention services, publicly available sources, such as internet sites, government agencies, and registries.
How we Use, Retain and Disclose Your Personal Information: We will disclose your Cardholder Information to our providers of services related to your Card, including CEYRON’s processor to assist us to provide services to you and to provide related services to us. We and our providers of services related to your Card, including CEYRON’s processor will use, disclose and retain your Cardholder Information to process your application for a Card (including to verify your identity) and, if a Card is issued to you, to provide you with services relating to your Card (including to administer your Card and to process your Card transactions), to protect our systems and services from fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law. We and our providers of services related to your Card, including CEYRON’s processor may use and store your Cardholder Information at facilities in various countries (including Canada and the United States of America). As such, your Cardholder Information may be subject to foreign laws (which might be different from the laws of the jurisdiction in which you are located) and may be accessible to foreign courts, governments, law enforcement and regulatory agencies and security authorities without notice.
We will use and rely on your Cardholder Information to issue and administer your Card and provide related services. We and our providers of services related to your Card, including CEYRON’s processor will rely on you to ensure that your Cardholder Information is accurate, complete and up to date. You will promptly inform customer service at 1-819-255-4900 or by emailing [email protected] of any changes to your Cardholder Information or if you discover any errors in your Cardholder Information.
Safeguarding Your Personal Information: We protect personal information in our possession or control from loss, theft, alteration and misuse. The safeguards employed by us to protect your personal information depend on the sensitivity, amount, distribution, format and storage of the personal information. Although technologies can make it easier for fraud to occur, we employ around the clock monitoring systems and controls to detect and prevent fraudulent activity. We also build fraud prevention measures into our due diligence processes and regularly update our fraud detection/prevention methods. While we take precautions to protect your personal information from loss, theft, alteration, or misuse, no system or security measure is completely secure. Any transmission of your personal data is at your own risk and we expect that you will use appropriate measures to protect your personal information as well.
Contacting You: We and our providers of services related to your Card, including CEYRON’s processor may use your Cardholder Information (including your phone number and your email address) to contact you, including by regular and electronic mail, telephone call (including by pre-recorded or artificial voice messages and automatic telephone dialing systems) and instant messaging, regarding your Card and related matters, regardless of whether you incur any long distance or usage charges as a result.
We and our providers of services related to your Card, including CEYRON’s processor may monitor and record our communications and correspondence with you (including emails, online chats and telephone calls) for quality assurance, staff training and legal compliance purposes. You consent to UBA and its service providers sharing this information for audit related purposes to ensure you are receiving the best possible customer service.
Withdrawing Your Consent: You may withdraw your consent to the collection, use and disclosure of your Cardholder Information at any time by contacting customer service (at 1-819-255-4900 or by emailing [email protected]) and cancelling your Card and all related services from us. If you withdraw your consent, we will continue to collect, use, disclose and retain your Cardholder Information for as long as may be reasonably required to perform services relating to the cancellation of your Card, to protect our systems and services from fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law.
Use by CEYRON or Other Parties: In addition to the foregoing, if you consent to CEYRON or other third party collecting and using your personal information (including Cardholder Information) for their own purposes (not as our service provider), including to provide you products and services of CEYRON Programs, to send marketing and promotional messages to you, then we will not have any control over, and will not be responsible or liable for, the collection, use, disclosure and retention of your personal information by CEYRON or third party, the marketing or promotional messages that they send to you, or any other wrongful act or omission by CEYRON or third party. The restrictions and requirements described above do not apply to Cardholder Information that is aggregated or otherwise de-personalized and does not identify you. In order to obtain information on our privacy policies and practices as well as those of our domestic and foreign service providers, and/or in order to request access to, or rectification of, your Cardholder Information, you may contact CEYRON Customer Service by mail at 477 rang des Erables Sainte Eulalie QC G0Z1E0. Our general personal information practices are described in our Privacy Policy, as amended from time to time, available online at
www.ubagroup.com/privacy-policy/
Arbitration (not applicable to residents of Québec): TO THE EXTENT PERMITTED BY APPLICABLE LAW, subject to all other terms of this Agreement, you agree that any claim of any kind arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator and (ii) shall not be brought through class or individual litigation proceedings. To the extent not prohibited by Applicable Law, if such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.
DISPUTES AND COMPLAINTS
Disputes: If you believe a transaction on your Card is incorrect, you must notify us of your dispute within sixty (60) calendar days of the transaction date. Following your notification, you will need to complete and email a dispute form to the customer service team within ninety (90) calendar days of the transaction date. You can obtain a dispute form by calling customer service at 1-819-255-4900 or by emailing [email protected]. Please note that this form must be received within ninety (90) calendar days of the date of the disputed transaction or you will have been deemed to have accepted such transaction.
If you identify an error in any transaction record, you must address such error with the applicable merchant or ATM operator. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. Please ask the merchant for any return policy that may apply to purchases made with the Card. We are not responsible for any problems you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash.
Complaints: If you have a complaint or inquiry about any aspect of your CEYRON Card, first attempt to resolve the complaint or inquiry by calling the customer service number at 1-819-255-4900 or by emailing [email protected]. If customer service is unable to resolve the complaint or inquiry to your satisfaction, please call us at +225 27 20 31 22 and +225 27 20 20 39 80 or submit your complaint or inquiry through the form found on our website: https://www.ubacotedivoire.com/centre-d-aide/. We will do our best to resolve your complaint or inquiry. If you have a complaint or inquiry about any aspect of a CEYRON Program, please contact CEYRON directly. UBA does not provide the services relating to operation of CEYRON Programs.
If the Cardholder has a concern regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, the concern may be communicated at any time to the Financial Consumer Agency of Canada, either in person, by letter, by telephone, or through its website at: Financial Consumer Agency of Canada, 427 Laurier Avenue West, 6th Floor Ottawa, ON, K1R 1B9, Telephone: 1-866-461-3222, www.fcac-acfc.gc.ca. Our complaints policy can be found online at: https://www.ubacotedivoire.com/centre-d-aide/. The following legal terms and conditions also form part of your Agreement with us.
AMENDMENTS AND OTHER LEGAL REQUIREMENTS
Notification and Change of Terms: Subject to the limitations of Applicable Law, we may from time to time amend any term or condition of this Agreement or add a new term or condition, without giving you notice. Following any such change, the terms of the Agreement will continue to apply. It is your responsibility to review the terms periodically to learn of any modifications. However, for significant or material changes such as a fee change or important changes to your CEYRON product(s), we will provide you with a clear and conspicuous written notice at least thirty (30) days before the proposed Amendment comes into force. The notice will be sent to you via the CEYRON App or by email drawn up clearly and legibly, setting out the new clause(s) only, or the amended clause(s) and the clause(s) as it (they) read formerly, the date of the coming into force of the Amendment and your rights set forth below.
You may refuse the Amendment and rescind this Agreement without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than thirty (30) days after the Amendment comes into force, if the Amendment entails an increase in your obligations or a reduction in our obligations. If you choose to rescind this Agreement, the Cancellation section of this Agreement will apply. Notification of any Amendment will also be posted on the Website at least sixty (60) days in advance of the effective date of the Amendment, unless otherwise required by Applicable Law. The change will take effect on the date indicated in the notice. You are responsible for informing us of any change in your mailing or email address, by contacting customer service at 1-819-225-4900 and for checking the Website for such notifications. Notice will be deemed to be received by you five (5) days after mailing, or the next business day after electronic mail.
You may notify us by delivering notice to CEYRON or sending notice to us at the Website (other than notification of a lost or stolen Card, which may only be done by telephone as set out above). Notice will be deemed to be received on the date of delivery of notice to us or to CEYRON, as applicable, and the next business day after electronic mail.
Cancellation: You may at any time terminate this Agreement by calling 1-819-225-4900 or notifying the CEYRON team in writing. We recommend spending your available Balance down to zero (XOF 0.00) before cancelling the Card. Once we have received notice to cancel the Card, CEYRON will then transfer to you any remaining Balance on your Card within forty-five (45) business days.
We may terminate this Agreement at any time, at which time you will immediately destroy the Card. You may at any time terminate this Agreement by calling 1-819-225-4900. We may terminate this Agreement at any time, with or without cause. Upon Agreement cancellation, your card will also be cancelled, and you should destroy it immediately. Once the card is cancelled, CEYRON will then transfer to you any remaining Balance on your card within forty-five (45) business days, less any outstanding fees and pre-authorized amounts, will be mailed to you within forty-five (45) business days from the cancellation date. Despite any termination of this Agreement, you must fulfil your obligations under this Agreement. Despite any termination of this Agreement, you must fulfill all of your obligations under this Agreement.
No Warranty of Availability or Uninterrupted Use: From time to time Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information about the Balance on your Card. Please notify us if you have any problems using your Card.
You agree that we are not responsible for any interruption of service.
You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.
Third Party Claims: In the event we reimburse you for a refund claim you have made, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the CEYRON Card, you are automatically deemed to assign and transfer to us any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your CEYRON Card. You agree that you will not pursue any claim against or reimbursement from such third party for the amount that we paid or credited to your CEYRON Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited to you. If we do not exercise our rights under this section, we do not give up our rights to exercise them in the future.
Disclaimer of Warranties: EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT AND EXCEPT FOR ANY APPLICABLE WARRANTIES AVAILABLE UNDER APPLICABLE LAW (INCLUDING THE CONSUMER PROTECTION ACT(QUÉBEC)), WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING ANY SUBJECT MATTER OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.
Limitation of Liability: EXCEPT IN QUÉBEC, OR AS EXPRESSLY REQUIRED BY THIS AGREEMENT OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR PERFORMING OR FAILING TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT UNLESS WE HAVE ACTED IN BAD FAITH. WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, RIOTS, FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES, FAILURE OF COMMUNICATION SYSTEMS, OR FAILURES OF OR DIFFICULTIES WITH OUR EQUIPMENT OR SYSTEMS. ALSO WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR ANY DELAY, FAILURE OR MALFUNCTION ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, ANY PAYMENT SYSTEM OR ANY CUSTOMER SERVICE FUNCTION. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL AND DIRECT DAMAGES. IN NO EVENT WILL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.
Website and Availability: Although considerable effort is made to ensure that our Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor will we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labour disputes and armed conflicts. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.
Assignment: At our sole discretion, we may assign (legally transfer) to another person or company our rights and responsibilities under this Agreement at any time and without notice to you. If we do make such an assignment, then this Agreement will remain binding on you and your respective executors, administrators, successors, representatives and permitted assigns.
Entire Agreement: This Agreement sets forth the entire understanding and Agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or Agreements with respect to such subject matter.
Governing Law; Submission to Jurisdiction: The parties attorn to the jurisdiction of Quebec and this Agreement will be construed in accordance with and governed by the laws of the province of Quebec and the laws of Canada applicable therein.
Section Headings: Section headings in this Agreement are for convenience of reference only and will not govern the interpretation of any provision of this Agreement.
Severability: If any part of this Agreement is found to be invalid or unenforceable by any court or government agency of competent jurisdiction, that invalidity or unenforceability will not affect the remainder of this Agreement, which will survive and be construed as if such invalid or unenforceable part had not been contained herein.