Accepting the Card and agreeing to these Conditions of Use

1. You agree to be bound by these Terms and Conditions and by utilising the Card in any capacity including, but not limited to, provisioning the Card into your Device, using any Card features or completing a transaction with the Card.
2. Use and access to the Card is subject to your respective Device capability. This means your Device must have the ability to store the Card and make a purchase using a Digital Wallet.

How and where you can use the Card

1. The Card is a single load digital prepaid Mastercard that can be used for purchasing goods and services where Mastercard prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions).
2. The Card must be activated prior to use and expiry. To activate the Card, you must follow the activation steps in the Cherry Hub app.
3. If the Card is not activated within six (6) months from the date of issue, it will be closed, and the available balance will be forfeited and paid to Cherry Hub.
4. When using the Card at point of sale, if required, press the Credit button to access the available balance.
5. The Card does not have cash out capability. You may not use the Card to withdraw cash.
6. The Card cannot be cancelled, used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular installment payments. Use of the Card may be declined at some merchants (such as gambling merchants or merchants who choose not to accept the Card). We are not liable in any way when authorisation is declined for any particular transaction except where the authorisation has been declined because of an act or omission on our part.

Checking your Card balance and transaction history

1. You acknowledge and agree that we do not provide you with paper statements. Card transaction activity and balance information can be found by accessing the Cherry Hub app or your Digital Wallet.
2. You are responsible for checking your transaction history, knowing the available balance and date of expiry for the Card, all of which will be available to you on your Device by accessing the CherryHub app.
3. You are responsible for ensuring the availability of sufficient funds for all transactions. The Card cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees.
4. In the event the available amount on the Card is less than the purchase amount, some merchants may not allow the Cardholder to combine multiple payment types (such as cash or another payment card) to complete the transaction.
   

Validity and Card Expiry

1. The Card is valid until the expiry date shown within the Cherry Hub app or your Digital Wallet and cannot be used after expiry. After its expiry, or cancellation for non-activation, any balance will be forfeited to Cherry Hub, and the Card will be declined when presented for use. We will not give you any notice before this happens.
2. To check expiry date, go to the Cherry Hub App or check your Digital Wallet.

Your Card, your responsibility

1. The Card is like cash. We have no obligation to replace or refund value for misused, lost, stolen or damaged Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide).
2. You are responsible for all transactions on the Card, except where there has been fraud or negligence by our staff or agents. If you notice any error relating to the Card, you should notify Cherry Hub immediately at support@cherryhub.com.au for further assistance.
3. Except to the extent required by law, we are not liable for any loss or damage arising out of or in any way related to the use of the Cards, including:

1. Unauthorised transactions can happen using the Card if the Device it is lost or stolen, a personal identification number (“PIN”) is revealed to any other person, or because of fraud.
2. We may delay, suspend, block or terminate the processing of any transaction, without incurring any liability if we suspect the transaction:

We reserve the right, with or without notice and without incurring any liability to you to restrict,suspend or stop the use of the Card at our sole discretion, including without limitation if:

Errors and complaints

1. If we discover an error in the amount of funds loaded, received or used for any reason, we are authorized to rectify the error without further notice to you, including but not limited to debiting the equal amount of funds found in error from your Cards available balance.
2. If you have a query about the Card, you should initially contact Cherry Hub by emailing support@cherryhub.com.au during business hours.
3. If you have a complaint relating to the Card, please contact EML at any of the following:

Phone: 1300 739 889 from 8am – 5pm Monday to Friday (Sydney time)
Email: support@emlpayments.com.au.