Light Refreshment Card
Terms and Conditions of Use

This agreement applies to PCT Ltd cards distributed by Travel Welfare Ltd in accordance with the LRV 280513 Agreement

1. The Card

1.1 These terms and conditions apply to any holder of this card (‘the card’). By using your card, you are demonstrating your agreement to these terms and conditions.
1.2 The card issuer and Servicer Provider is R. Raphael & Sons PLC (“the issuer”), Registered Office: 19-21 Shaftesbury Avenue, London W1D 7ED. Registered in England No. 1288938. Authorised and regulated in the UK by the Financial Conduct Authority and Prudential Regulation Authority under reference number: 161302 and are permitted to issue e-money
1.3 The card will be provided in a stated currency. All references to that currency in these terms and conditions are relevant to you.
1.4 The card is an e-money product, and as such it is not covered by the Financial Services Compensation Scheme. In the unlikely event that R.Raphael & Sons PLC becomes insolvent, your funds may become valueless and unusable, and as a result you may lose your money.
1.5 These terms and conditions are available online at www.travelwelfare.com.

2. Definitions

In these terms and conditions, the following words and phrases have the meanings shown next to them:
Agreement means these Issuer Terms and Conditions as set out in the LRV 280513 Agreements.
ATM – means automatic teller machine or cashpoint facility or cash dispenser;
Business day – means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales;
Card – means your Travel Welfare Prepaid Card (including any replacement card) issued to you by us or your Airline, loaded in the specific currency stated on the card with the features set out in these Terms and Conditions.;
Card scheme – means VISA
Supplier – a retailer, merchant or other supplier of goods and/or services which accepts payment by means of a card, card number, or card and signature;
Supplier’s bank – the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions.
We / us / our – means Travel Welfare Ltd, Raphael & Sons PLC or co-brand partners acting on our behalf;
You / your – means the person/employee who has received the card and is authorised to use the card as provided under the terms of this Agreement.

3. Receiving your Card

3.1 You will have received your card at the airport and your card will already be activated and ready to use. Your card is a magnetic stripe card and you may be asked by the retailer for a signature upon purchase of good.
3.2 You should treat your card like cash, if your card is lost or stolen, it is at the discretion of the airline if a refund or replacement will take place.
3.3 The card is not a credit card and all use is limited to the amount pre-loaded and standing to the credit of the Card and other limits referred to in these Terms and Conditions.
3.4 There is no interest payable to you on the balance of the Card and the balance does not amount to a deposit with us.
3.5 By using the Prepaid Card, you are agreeing to these terms and conditions.

4. Loading the card

4.1 Funds can only be loaded to your Card by the Airline
4.2 Funds cannot be loaded or accepted from any other source.

5. Use of the card

5.1 The card is supplied to you by your airline for use during delay and disruption.
5.2 The card is a prepaid product which can be used to pay for goods and services at food and beverage or other selected retailers that the airline has permitted. To use the card, present it at the time of payment and it is your responsibility to advise the retailer of the value loaded on the card, as advised initially by the airline or on the information flyer.
5.3 You have received your card at the airport, so your card will already be activated and ready to use.
5.4 You must not make purchases that exceed the balance of funds available on your card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force the transaction will be declined. It is your responsibility to know the remaining balance on the card and to advise the retailer before making the purchase.
5.5 If you wish to use your card as part of a larger purchase, then please ensure you advise the retailer of the amount to be taken from the card, and that the remainder will be paid by cash or another card transaction.
5.6 Once you have made your purchase, please retain the card (and receipts) as the card may be used again in case of any subsequent delays with additional funds being added to the card by the airline.
5.7 You can use your card to make purchases in-store at the airport only. The card cannot be used to obtain cash through ATMs. There is no cashback facility. This is not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. Interest will not be earned on any funds loaded on to your card.
You must not use your card for:
5.7.1 pre-authorised regular payments;
5.7.2 transactions for cash including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change, or
5.7.3 any illegal purposes.
5.7.4 Accessing or purchasing goods from adult or gambling sites.
5.7.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.
5.7.6 We may stop, suspend or restrict your card on reasonable grounds relating to:
5.7.7 the security of your card, card number and
5.7.8 the suspected unauthorised or fraudulent use of your card. We will, if possible through your airline, inform you before stopping, suspending or restricting your card that we intend to do so and the reasons for doing this. The requirement to inform you does not apply where it would compromise reasonable security measures or it would be unlawful to do so.
5.8 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card, or ensuring the point of sale terminals (POS) will accept the card.
5.9 When using the card at certain merchants and/or restaurants, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the card.

6. Transactions

6.1 You agree that any use of your card or card number constitutes your authorisation and consent to a transaction.
6.2 The time of receipt of a transaction order is when it is received by us. If a transaction order is received after 4pm on a business day, then it will be deemed to have been received on the next business day. If receipt does not fall on a business day, then it will be deemed to have been received on the next business day.
6.3 You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction.
6.4 We may refuse a transaction. We may do this if the relevant phone or computer link is busy. We may also do this if:
6.4.1 a transaction might take you over your available funds on the card; or
6.4.2 We reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or
6.4.3 We reasonably believe that it is necessary to do so to comply with any law or as a matter of good practice

7. Checking your balance

7.1 You can check the available balance on your card by using the card balance enquiry on www.travelwelfare.com.

8. When your card expires

8.1 The card will cancel as soon as your flight departs and cannot be used from this point.
8.2 Any funds that remain on the card after the flight has departed will remain the property of the airline.

9. Liability

9.1.1 As you receive your card keep it safe. You must always make sure that you:
9.1.2 do not allow anyone else to use your card;
9.1.3 only release the card or card number to make a transaction.
9.1.4 do not interfere with any magnetic stripe or integrated circuit on the card.
9.2 If your card is lost or stolen or if you think your card or card number may be misused, you must contact your airline immediately.
9.2.1 if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is Travel Welfare Ltd, The Beehive, City Place, Gatwick Airport West Sussex RH6 0PA), and
9.2.2 stop using the card or card number immediately. If you find the card after you have reported it lost, stolen or misused, you must cut it up and tell us as soon as you can.
9.2.3 You may be liable for any use of the card or card number by another person if it is lost, stolen or destroyed, if:
9.2.4 your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believe may be relevant.
9.2.5 We will not be liable for:
9.2.6 any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing the usual service;
9.2.7 any person refusing to accept or honour (or delays in accepting or honouring) your card or card number, or
9.2.8 We will not be liable for the way in which you are told about any refusal or delay.
9.2.9 We will not be liable to you in respect of any losses you may suffer in connection with or arising from the Card, except where such losses are due to a breach by us of this Agreement or due to our negligence. In addition, we will not be liable for disputes concerning the quality of goods or services purchased from any merchant that accepted a Card or any additional fees charged by the operator of POS (e.g. when you are offered dynamic currency conversion at a point of sale). In particular, we will not be liable for any loss due to: (i) any failure due to events outside our reasonable control; (ii) any system failure or industrial dispute outside our control; (iii) any retailer refusing to or being unable to accept the Card; (iv) the way in which any refusal to accept the Card is communicated to you; (v) your actions or our actions which is not a foreseeable consequence of the action;; (vi) any infringement by you of any currency laws; (vii) our taking any action required by any government, federal or state law or regulation or court order; or (viii) anything specifically excluded or limited elsewhere in this Agreement
9.2.10 In case of errors or disputes about transactions, email us at sales@travelwelfare.com

10. Altering these terms and conditions

10.1.1 If we change these terms and conditions, the new terms and conditions will be available at www.travelwelfare.com from the date the change takes place.

11. Ending this agreement

11.1.1 We may terminate this agreement at any time.

12. General

12.1 We may monitor and/or record telephone calls between you and us or service providers.
12.2 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.
12.3 We can delay enforcing rights under this agreement without losing them.
12.4 If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.
12.5 This agreement is governed by the law of England and Wales. The language of this agreement is English and all notices and information given under this agreement will be in English.

13. Complaints and how to contact us

17.1 If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please write to Travel Welfare Ltd, The Beehive, City Place, Gatwick Airport, West Sussex RH6 0PA. Alternatively, you can email us at sales@travelwelfare.com. We have procedures in place to make sure that we handle your complaint fairly and quickly.

14. How we use your information

14.1 Through your contract with your airline, we may use any information to:
14.1.1 fight fraud, money-laundering, terrorism and other crimes, and
14.1.2 keep to any laws or regulations in any country
14.2 We may reveal information about you:
14.2.1 to any person working for us or our co-brand partners;
14.2.2 to fraud prevention agencies;
14.2.3 to any organisation which backs any of our products which you hold;
14.2.4 to any payment system under which we issue your card;
14.2.5 if a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the UK);
14.2.6 to any person to whom we transfer any of our rights or obligations under any agreement we may have with you, and
14.2.7 to anyone you authorise us to give information about you to.
14.3 Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances, we are responsible for making sure that your information continues to be protected.
14.4 We will keep information about you for only as long as we need to or is required to meet legal obligations.

R. Raphael & Sons hold a Visa license. The Travel Welfare Light Refreshment card is issued by R. Raphael & Sons plc, a UK Bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Ave, London W1D 7ED, company registration number 01288938