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“Agreement” means these Terms and Conditions, [together with the Pricing & Fees Schedule in accordance with 1.1]. 


“Available Funds” means at any given time any unspent funds loaded onto Your Card which is available to pay for transactions and fees and charges payable under this Agreement. 


“Card” or “Pre-paid [Mastercard]” Card means an electronic money card issued by Us to You. 


“Commencement Date” means the date You commence using the Card or activate it. 


“Expiry Date” means the date printed on Your Card which is the date Your Card will cease to work. 


“PIN” means Your unique personal identification number which is provided to You for use with Your Card. 


“Pricing & Fee Schedule” means a separate leaflet describing the fees and load channels that apply to Your Card. These features, terms and conditions will vary depending on where you obtained the Card.] 


“We”, “Us” or “Our” means Paynovate or Andaria Ltd (“AL”) or The Universal Gift Card Company Limited (“UGCC”) acting on its behalf. 


“The Universal Gift Card Company Limited trades as “Their Perfect Gift” (“TPG”).


“Andaria Limite” trades as “Intercash”.


“Business Day” means any day other than a Saturday, Sunday or national public holiday on which banks are open for business in Gibraltar and the UK. 


“You” or “Your” refers to the cardholder. 


“Website” means the TPG website at www.theirperfectgift.co.uk



1.1. This Agreement sets out the general Terms and Conditions that apply to the TPG Prepaid MasterCard Card. These Terms and Conditions must be read in conjunction with the Pricing & Fee Schedule, which describes the specific features, terms, conditions and fees applicable to Your Card. Together, these documents form an Agreement between You and Us governing the possession and use of the Card. By using the Card or activating it (see Condition 2.3 below) You agree to the Terms and Conditions and the Intercash Membership in the Agreement. If there is a conflict between the Terms and Condition and the Fee Schedule, the relevant term or condition in the Pricing & Fee Schedule will apply. Copies of this Agreement can be found on the Website or by contacting Our Customer Services team in accordance with Condition 15. 


1.2. Cards are issued by Paynovate to a license from MasterCard International Incorporated. Paynovate is authorised by the Financial Conduct Authority (FCA) Under the Electronic Money Regulations 2011 for the Issuing of Electronic Money, Register Number 900051. At all times the Card remains the property of Paynovate. 


1.3. The production of the Cards and the technology systems required to operate the Cards are provided by Andaria Ltd. registered in Isle of Man. Andaria Ltd. also provides a second level customer support for Cards, with Their Perfect Gift providing the front line customer service as set out in Condition 15 below. 


1.4. This Agreement will commence on the Commencement Date and will terminate in accordance with Condition 10. This Agreement and all communications between Us and You shall be in the English language. 


  1. CARDS


2.1. The Card is a prepaid payment card which may be used to pay for goods and services at participating retailers that accept MasterCard cards. It is designed for use in shops and retail locations like any payment card, We cannot guarantee that a particular retailer will accept the Card – please check with the retailer before attempting the transaction if You are unsure. Our physical cards can be used online and in-store and our virtual cards can only be used online. There are no over the phone transactions allowed.


2.2. The Card is an electronic money (“e-money”) product, regulated by the Financial Authority (“FCA”), UK. It is a prepaid card not a credit card and is not linked to Your bank account. You must ensure that You have sufficient Available Funds on the Card to pay for each purchase. Reloading of our TheirPerfectGift card is not allowed and no cash withdrawal of any kind is possible. The Card is intended for use as a means of payment, and funds loaded onto the Card do not constitute a deposit. You will not earn interest on the balance of the Card. The Card will expire on the Expiry Date and will cease to work. Please check the Pricing & Fee Schedule and Condition 8 of this Agreement for further information. 


2.3. When You receive Your Card, it will be issued to You in an inactive state. You will need to activate it by visiting www.cardportal.com or downloading the TheirPerfectGift app from the AppStore or GooglePlay (physical cards only), prior to use. In normal circumstances The Card be immediately ready for use after activation. If You don’t activate Your Card, any transactions that You attempt to carry out will be declined. 




3.1. The Card is a financial services product, and We are therefore required by law to hold certain information about Our customers. We use this information to administer Your Card, and to help Us identify You and Your Card in the event that it is lost or stolen. We only keep this information 5 years after the business relationship has ceased and for the purposes described. Please see Condition 17 for more information. 


3.2. In order to obtain a Card, You must be at least 18 years old. We may require evidence of who You are and of Your address. We may ask You to provide some documentary evidence to prove this and/or We may carry out checks on You electronically. 


3.3. When We carry out these checks, Your personal information may be disclosed to credit reference agencies and fraud prevention agencies. These agencies may keep a record of the information and a footprint may be left on Your credit file, although the footprint will denote that the search was not a credit check and was not carried out in support of a credit application. It is an identity check only, and will therefore have no adverse affect on Your credit rating. 


3.4. The purchase of or use of the Card will indicate to Us that You consent to the checks described in this Agreement being undertaken. 




4.1. The fees and charges associated with this Card form an integral part of these Terms and Conditions. All fees and charges are described in the Fee Schedule, which will be found on Our Website or issued upon request by contacting Our Customer Services team in accordance with Condition 15 by emailing love@theirperfectgift.co.uk. You should be aware that other taxes or costs may exist that are related to the Card but are not paid via Us or imposed by Us. 


4.2. A copy of the Pricing & Fee Schedule will be issued to You along with these terms and conditions. If for any reason You did not receive a copy, or should You have any queries about the fees and charges, please contact Us using the details in Condition 4.1, above. 




5.1. our non-reloadable, non-ATM gift cards can be used by anyone possessing an activated card and the associated PIN. You should be careful not to misplace your card pre/post activation or disclose your PIN. Prior to use the Card should be signed on the signature strip located on the back of the Card. All cards sold by UGCC pre-Jan 2020 operated Magnetic strip technology only and did not operate a chip function or security of the PIN. 


5.2. the magnetic strip on the Card is swiped by the retailer or the Card is to inserted into a chip & PIN device; 

5.2.1. the magnetic strip on the Card is to swiped by the retailer or the Card is to inserted into a chip & PIN device; 

5.2.2. The Card PIN is entered or a sales slip is signed; or 

5.2.3. relevant information is supplied to the retailer that allows them to process the transaction, for example providing the retailer with the 3-digit security code on the back of Your Card in the case of an internet or other non face-to-face transaction.


5.3. Normally, We will receive notification of Your authorisation by way of an electronic message in line with the rules and procedures of the payment scheme (MasterCard network). Once We have received notification of Your authorisation to proceed with the transaction, the transaction cannot be stopped or revoked. However, You may in certain circumstances be entitled to a refund in accordance with Conditions 12 and 13. 


5.4. On receipt of notification of Your authorisation, normally We will deduct the value of the transaction, plus any applicable fees and charges, from the Available Funds on the Card. The retailer or service provider that has accepted Your Card for payment will normally receive payment within 3 Business Days. 


5.5. Under normal circumstances, if any payment is attempted that exceeds the Available Funds on the Card the transaction will be declined. In certain circumstances, a transaction may take Your Card into a negative balance – this will normally be where the merchant has failed to seek authorisation for the transaction. In these cases, We will attempt to recover some or all of the money from the merchant if We can, providing that We are satisfied that You have not deliberately used the Card in the manner that would result in a negative balance. We will deal with such instances on a case by case basis, but where there is a negative balance on Your Card, We may require You to make up the shortfall and, until there are Available Funds on Your Card, We may restrict or suspend the use of Your Card. 


5.6. The Card may be used in full or part payment for purchases. In the case of part payment, the person the cardholder will be required to pay the outstanding amount of the purchase by an alternative means, for example, cash or debit card or credit card. 


5.7. If You use Your Card for a transaction in a currency other than the currency that the Card is denominated in, the transaction will be converted to the currency that the Card is denominated in by the MasterCard scheme network at a rate set by MasterCard International Incorporated. The exchange rate varies throughout the day and is not set by Us, therefore We are not responsible for and cannot guarantee You will receive a favorable exchange rate. You can ask Us for information about the exchange rate used after the transaction has been completed by contacting Our Customer Services team in accordance with Condition 15. 


5.8. Normally, We will be able to support transactions 24 hours per day, 365 days per year. However, We cannot guarantee this will be the case, and in certain circumstances – for example a serious technical problem – We may be unable to receive or complete transactions



6.1. You must ensure that You have sufficient Available Funds on Your Card to pay for each purchase using the Card. 


6.2. The Card is not linked to a bank deposit account and is not a cheque guarantee card, charge card or credit card, nor may it be used as evidence of identity. 


6.3. The Card may not be used for pre-authorised regular payments (such as subscriptions), or for any illegal purposes. The (physical) Card can be used within Point of Sale and Online and The (virtual) Card can only be used online. No funds can be withdrawn from ATMs’ 


6.4. We may restrict or suspend use of Your Card without notice if We identify or suspect that suspicious, fraudulent or illegal activities are being carried out in relation to the Card, if We believe You have not complied with these terms and conditions, or in the event of exceptional circumstances which prohibit the normal operation of the Card. 


6.5. Unless it would be unlawful for Us to do so or it is impracticable for Us to do so, where We to stop or suspend the use of Your Card in accordance with Condition 6.4, We will notify You of this and Our reasons for doing so, by sending an email to the email address You provided Us with when You activated the Card. Where it is not possible to notify You before We stop or suspend the Card, We will notify You as soon as possible after We have stopped or suspended the Card unless it would be unlawful to do so. 


6.6. The Card can only be loaded by Us. However should You have any questions about ways to load Your Card please contact Our Customer Services team in accordance with Condition 15. 




7.1. You may check the balance and Available Funds on Your Card by visiting www.cardportal.com or by via the TheirPerfectGift smartphone app, where your card is “added” to the App, or alternatively You may email Our Customer Services team for this information in accordance with Condition 15 below. 




8.1. Your Card will expire one year after activation or upon the Expiry Date visible on the Card, whichever comes first. On that date, subject to Condition 8.2 below, the Card will cease to function and You will not be entitled to use the Card. 


8.2. In some cases, We may issue a new Card to You shortly before the Expiry Date, however We are not obligated to do so, and may elect not to issue a replacement Card at Our sole discretion. 


8.3. Any arrangements for the issue of a replacement Card in accordance with Condition 8.2 above, will be described in the Pricing & Fee Schedule. The “cooling off” period described in Condition 9 will not apply to any replacement Card issued by Us. 




9.1. You are entitled to a 14-day “cooling off’ period from the Commencement Date during which You may cancel Your Order. Should You wish to cancel Your Order and this Agreement during the “cooling off” period, please return any Card(s) we may have sent you to; 39 Ludgate Hill, London, EC4M 7JN unactivated, unsigned and unused within 14 days of issue and a full refund of any fees paid to date will be made to You. The “cooling off” period only applies to orders purchased by consumers through Our Website. 


9.2. Following the end of the “cooling off” period in Condition 9.1 above, You may terminate this Agreement and or redeem some or all of the Available Funds on the Card by contacting Our Customer Services team in accordance with Condition 15. Where You request this, You will be charged a redemption fee in accordance with Condition 4. We will deduct any redemption fee payable to Us from the Available Funds on the Card and will normally issue an electronic transfer to a bank account that You nominate for the amount of the remaining Available Funds on the Card following the deduction of the redemption fee. We will not complete Your redemption request if We believe You have provided false information, We are concerned about the security of a transaction, or if there are insufficient Available Funds to cover the redemption fee. 


9.3. If You request redemption of the entire remaining balance in accordance with Condition 9.2, We will assume that it is Your intention to terminate this Agreement and will cancel Your Card(s). 




10.1. Subject to Condition 10.2, this Agreement will terminate on the earliest of: 


10.1.1. 3 years from the date on which You accept this Agreement in accordance with Condition 1.1; 

10.1.2. subject to a replacement Card being issued to You in accordance with Condition 8.2, on the Expiry Date of Your Card; or we have not agreed to renew this agreement 

10.1.3. a request for cancellation by You and or redemption by You of the entire remaining balance on Your Card in accordance with Condition 9.2 above. 

10.1.4. We may also cancel your agreement for any reason by giving you notice in electronic form.


10.2. We may terminate this Agreement: 

10.2.1. if You breach an important part of this Agreement, or repeatedly breach the Agreement and fail to resolve the matter within 5 days, or use Your Card or any of its facilities in a manner that We believe is fraudulent or unlawful; 

10.2.2. if You act in a manner that is threatening or abusive to Our staff, or any of Our representatives; 

10.2.3. if You fail to pay fees or charges that You have incurred or fail to put right any shortfall on the balance of Your Card; or 


10.3. If the Agreement terminates We will cancel Your Card and You must tell Us as soon as practicable what You want Us to do with any unused Available Funds on Your Card. 




11.1. We will assume that all transactions entered into by You with Your Card or Card details is made by You unless You notify Us in accordance with Condition 12.1. 


11.2. You are responsible for keeping Your Card and its details safe. This means You must take all reasonable steps to avoid the loss, theft or misuse of the Card or details. Do not disclose the Card details to anyone except where necessary to complete a transaction. You should be happy that the retailer or service provider is genuine and has taken adequate steps to safeguard Your information before proceeding with the transaction and supplying them with the physical Card or details. 


11.3. you are provided with a PIN, You must keep Your PIN safe at all times. This includes: 


11.3.1. memorising Your PIN as soon as You receive it, and destroying the letter or other document on which We provided the PIN to You immediately. If You need to write down Your PIN in order to help You remember it, You must make sure it is well disguised; 

11.3.2. never writing Your PIN on Your Card or on anything You usually keep with Your Card; 

11.3.3. keeping Your PIN secret at all times, including by not using Your PIN if anyone else is watching; and Failure to comply with this may be treated as gross negligence and may affect Your ability to claim any losses. NEVER COMMUNICATE YOUR PIN OR PAN TO ANYONE IN WRITING. This includes printed messages, emails and online forms. 




12.1. If You lose Your Card or it is stolen or damaged please notify us without undue delay by telephoning Our Customer Services team in accordance with Condition 15 of this Agreement. You will be asked to provide Your Card number and other information to verify that You are the authorized cardholder. Following satisfactory completion of the verification process, We will then immediately block any lost or stolen Card to prevent unauthorized use and cancel any damaged Card to prevent further use. 


12.2. After You have notified Us of the loss, theft or risk of misuse, and providing that We are able to identify Your Card and satisfy certain security checks, We may issue a replacement Card and/or PIN to You. Certain fees may apply for the re-issue of a lost or stolen card, please see Condition 4 for further details. The “cooling off” period described in Condition 9 does not apply to replacement Cards. 


12.3. If We believe You have acted fraudulently, or if We believe You have intentionally or with gross negligence failed to keep Your Card or its details safe at all times, We will hold You liable for all transactions and any associated fees. Subject to this, We will limit Your liability to £50 for any unauthorised transactions, where you have notified Us in accordance with Condition 12.1. 



13.1. We are not responsible for the safety, legality, quality or any other aspect of the goods and services purchased with the Card. 


13.2. Where a retailer provides a refund for any reason (for example, if You return the goods as faulty) it can take several days for the notification of the refund and the money itself to reach Us. As such, please allow 5-10 working days from the date the refund was carried out for the refund to be applied to Your Card. 




14.1. If You believe You did not authorise a particular transaction or that a transaction was incorrectly carried out, You must contact Our Customer Services team without undue delay – as soon as You notice the problem. Depending on the circumstances, Our Customer Services team may require You to complete a dispute declaration form, and note that an associated cost of 20 GBP/EUR/USD depending on card currency will be applied anytime a dispute declaration form is required. 


14.2. We will refund any unauthorised transaction immediately unless We have reason to believe that the incident may have been caused by a breach of the Agreement, through gross negligence or where We have reasonable grounds to suspect fraud. We shall not be held liable for a transaction that has been incorrectly executed if You have failed to notify Us of a problem without undue delay – in those circumstances, You may be held liable. 


14.3. If Our investigations show that any disputed transaction was authorised by You or You may have acted fraudulently or with gross negligence, We may reverse any refund made and You will be liable for all losses We suffer in connection with the transaction including but not limited to the cost of any investigation carried out by us in relation to the transaction. 


14.4. In certain circumstances, a transaction will be initiated but not fully completed. Where this happens, this may result in the value of the transaction being deducted from the Card balance and therefore unavailable for use – We refer to this as a “hanging authorisation” or “block”. In these cases, You will need to contact Our Customer Service team in accordance with Condition 15 and present relevant evidence to show that the transaction has been cancelled or reversed. 


14.5. In certain circumstances, We may refuse to complete a transaction that You have authorised. These circumstances include: 


14.5.1. if We are concerned about the security of Your Card or We suspect Your Card is being used in a fraudulent or suspicious manner; 

14.5.2. if tif there are not sufficient Available Funds to cover the transaction and all associated fees at the time that We receive notification of the transaction; 

14.5.3. if there is an outstanding shortfall on the balance of Your Card; 

14.5.4. if We have reasonable grounds to believe You are acting in breach of this Agreement; or 

14.5.5. if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions 


14.6. Unless it would be unlawful for Us to do so, where We refuse to complete a transaction for You in accordance with Condition 14.5 above, We will notify You as soon as reasonably practicable, that it has been refused and the reasons why it has been refused, together where relevant, with the procedure for correcting any factual errors that led to the refusal. We may charge You each time We notify You that Your payment request has been refused. 


14.7. You may claim a refund for a transaction that You authorised provided that: 

14.7.1. Your authorisation did not specify the exact amount when You consented to the transaction; and 

14.7.2. the amount of the transaction exceeded the amount that You could reasonably have expected it to be (taking into account Your previous spending pattern on the Card, the Terms and Conditions and the circumstances of this case). Such a refund must be requested from Our Customer Services team within 8 weeks of the amount being deducted from the Card. We may require You to provide Us with evidence to substantiate Your claim. The refund shall be equal to the amount of the transaction. Any such refund will not be subject to any fee. 




15.1. Our Customer Services team are normally available Monday to Friday, 9am to 5pm. During these hours We will endeavor to resolve all enquiries immediately, however please note that certain types of enquiry can only be resolved during normal business opening hours. You can contact Our Customer Services team by the following methods: 1) Telephoning: 1) +44 (0)330 332 0579, 2) Emailing: a) love@theirperfectgift.co.uk, b) help.paycard@cardportal.com (Intercash), 3) Writing to: a) Their Perfect Gift. 39 Ludgate Hill, London, EC4M 7JN, b) Andaria Ltd. at Clinch’s House, Lord Street, Douglas, Isle of Man, IM99 1RZ. 


15.2. Our business opening hours for Their Perfect Gift, are Monday to Friday excluding UK public holidays, (for Intercash) are Monday to Friday, 9am to 5pm EST/ 3pm to 11pm CET and 10am to 5pm CET for. Correspondence received after the close of business to the respective business, on a particular day will be treated as having arrived on the following business day. 


15.3. If You are not satisfied with any element of the service You receive, any complaints should also be made to Our Customer Services team using the contact details in Condition 15.1 above. Emails should be the first mode of communication. Calls may be monitored or recorded. We will try to resolve your problem whenever possible within 24 hours. If we are unable to resolve your complaint within 24 hours we will record your concern as a formal complaint within our internal complaints procedure. Upon receipt of your formal complaint we will issue a prompt acknowledgement if we are unable to respond in full within five working days. A full and final response will be issued within 8 weeks from the date we receive your initial complaint, setting out our understanding of your concerns and a possible resolution. If we are unable to issue our full and final response within 8 weeks we will write to you to update you on the progress of your complaint and the expected resolution date. 

15.4. If, having exhausted Our complaints procedure, You remain unhappy, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. 




16.1. None of the organizations described in Conditions 1.2 and 1.3 will be liable for: 


16.1.1. any fault or failure relating to the use of the Card that is a result of abnormal and unforeseeable circumstances beyond Our control which would have been unavoidable despite all Our efforts to the contrary, including but not limited to, a fault in or failure of data processing systems; 

16.1.2. the goods or services that You purchase with Your Card; 

16.1.3. any loss of profits, loss of business, or any indirect, consequential, special or punitive losses; or 

16.1.4. any acts or omissions that are a consequence of Our compliance with any national or European Union law. In any event the liability of the organizations described in Conditions 1.2 and 1.3 will be limited to the balance of the Card at the time that the event occurs. 


16.2. In addition to the limitations set out in Condition 16.1, Our liability shall be limited as follows: 

16.2.1. where Your Card is faulty due to Our fault, Our liability shall be limited to the replacement of the Card or, at Our choice, repayment to You of the Available Funds on Your Card; or 

16.2.2. where sums are incorrectly deducted from Your Card due to Our fault, Our liability shall be limited to payment to You of an equivalent amount. 


16.3. In all other circumstances of Our default, Our liability will be limited to repayment of the amount of any Available Funds on the Card. 


16.4. Nothing in this Agreement shall exclude or limit any regulatory responsibilities We have which We are not permitted to exclude or limit, or Our liability for death or personal injury. 


16.5. If You have used Your Card or allowed Your Card to be used fraudulently, in a manner that does not comply with these Terms and Conditions, for illegal purposes, or if You have allowed Your Card or details to be compromised due to negligence You will be held responsible for the use and misuse of the Card. We will take all reasonable and necessary steps to recover any loss from You, and there shall be no maximum limit to Your liability except where relevant laws or regulations impose such a limit. This means You should take care of Your Card and details and act responsibly, or You will be held liable. 


16.6. As a responsible provider of an e-money product, We take the security of Your money very seriously. Your funds are held in a secure client account, specifically for the purpose of redeeming transactions made via Your Card. In the unlikely event of any insolvency, funds that have reached Our account will be protected against claims by creditors. We will be happy to talk through any questions or concerns You might have. Please contact Our Customer Services team for further information 


16.7. The Services Compensation Scheme does not apply to Your Card. This means that in the unlikely event that Paynovate became insolvent, Your Card may become unusable and any funds associated with Your Card may be lost. By using Your Card and by entering into this Agreement You are indicating that You understand and accept these risks. 




17.1. We collect certain information about the purchaser and the users of the Card in order to operate the Card programme. Andaria Ltd, UGCC and Paynovate are Data Controllers of Your personal data, and will manage and protect Your personal data in accordance with the GDPR and ePrivacy Regulation.


17.2. We may transfer Your data outside the EU to our commercial partners where necessary to provide Our services to You, such as customer service, account administration, financial reconciliation, or where the transfer is necessary as a result of Your request, such as the processing of any international transaction. When We transfer data outside the EU, We will take steps to ensure that Your data is afforded substantially similar protection as data processed within the EU. Please be aware that not all countries have laws to protect data in a manner equivalent to that of the EU. Your use of Our products and services will indicate to Us that You agree to the transfer of Your data outside the EU. You have the right to object to the processing of Your data and to its transfer outside the EU on compelling legitimate grounds. 


17.3. Unless You have provided Your explicit permission, Your personal data will not be used for marketing purposes by Us or Our commercial partners (unless You have independently provided Your consent to them directly), nor will it be shared with third parties unconnected with the Card scheme. 


17.4. You have the right to request details of the personal information that is held about You, and You may receive this by writing to Andaria Ltd or UGCC. Where legally permitted, We may charge for this service. 




18.1. These Terms and Conditions may be changed or amended by Us at any time for legal, regulatory, commercial or security reasons or to enable the proper delivery of or to improve the delivery of the Card scheme. 


18.2. If any changes are made they will be publicised on Our Website 2 months before the changes take effect (unless the law requires or permits Us to make a more immediate change or in the event of a change to the exchange rate). Copies of the most up-to-date version of the Terms and Conditions will be made available on Our Website at all times and will be available on request. 


18.3. It is Your responsibility to check the Website regularly for changes to Our Terms and Conditions. We will assume that You have done so, and will be entitled to assume You have accepted any changes to these Terms and Conditions if You have not notified Us that You do not accept the change prior to the date the change takes effect and continue to use the Card. If You do not accept a change, You may end this Agreement in accordance with Condition 10. 




19.1. The laws of England and Wales apply to these Terms and Conditions and to Our dealings with You and You and will be subject to the [non] exclusive jurisdiction of the courts of England and Wales. 




20.1. We may assign the benefit and burden of this Agreement to another company at any time by giving You 2 months’ notice of this. If We do this, Your rights will not be affected.