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Using Your Gift Card |
You may use your Card as often as you like to obtain goods and services up to the value of the Card. Each time you use your Card, we will deduct the amount of the transaction from the remaining value associated with the Card. The Card is not reloadable and cannot be used after its value reaches $0.00 or after the Card expiration date (shown on the front of the Card), whichever occurs first . To pay for purchases at merchants that accept Visa® debit cards, you should use the Card as you would a credit card, by selecting the "credit" payment option and signing the sales receipt. Although your Card is a debit card, it will not work with debit payment systems that require a personal identification number (PIN). We are not responsible if a merchant does not honor your Card or does not return your Card to you. You may not place a "stop payment" on any Card transaction.
You are responsible for keeping track of the available balance on your Card. Because transactions posting to the Card are not managed by individual merchants, merchants generally will not be able to determine the available balance on your Card, so you need to know the exact balance BEFORE making a purchase. To obtain your available balance and a record of daily updated Card transactions, visit us online at www.eastwestbank.com or call 1-800-627-2140 (note: there is no charge for online inquiries; there may be a charge for telephone inquiries). Customer Service is available 24 hours per day, 7 days per week. We strongly urge you to regularly review your Card's online transaction history. Your failure to review this information could affect your rights with regard to unauthorized transactions or transaction errors. If you use your Card for more than its available value, you agree to pay us the difference upon demand. If you have a problem with a purchase that you make with the Card, or if you have a dispute with a merchant, you must deal directly with the merchant. If you are entitled to a refund for any reason relating to a Card transaction, you agree to accept the refund under the policy of that merchant. |
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| The Card Cannot Be Used: |
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To obtain cash, except as described in this Agreement under the "Gift Card Expiration, Early Closure, Revocation" section |
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For gambling or any unlawful activity |
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To make regular, preauthorized payments to third parties |
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| Purchases Greater Than The Value on Your Gift Card Combining Forms of Payment and Split Tender Transactions |
| If you wish to use your Card to purchase an item for more than the available balance on the Card, subject to the merchant's policy, you may be able to use your Card toward a portion of the purchase price and then use another form of payment to pay the balance of the purchase price. This is called a "split tender" transaction because you would be "splitting" the purchase price between your Card and another form of payment. Before you request a "split tender" transaction, please confirm the available balance on your Card. Then, you MUST ask the merchant if two forms of payment will be accepted for the purchase you wish to make. If the merchant agrees, first request that the merchant debit or charge a specific dollar amount on the other form of payment (i.e., the purchase price less the available balance on your Card), and then use your Card to pay the remaining balance. Some retailers, particularly department stores, will only allow a "split tender" transaction if the second form of payment is cash or check. Internet and most mail order merchants do not permit "split tender" transactions. We do not guarantee that the merchant will accept two forms of payment, such as two gift cards. |
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| NOTE: This Agreement should be provided to the "Cardholder/Gift Recipient" as an accompaniment to the Gift Card. |
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