American Express Terms and Conditions for ePrepaid
THIS AGREEMENT IS AVAILABLE ONLY IN AN ELECTRONIC FORM AND SHALL BE BINDING AND ENFORECEABLE IN ELECTRONIC FORM ONLY.
IF YOU WISH, YOU SHOULD PRINT OR SAVE AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
AMERICAN EXPRESS IS WILLING TO PROVIDE YOU THE SERVICE ONLY IF YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS:
The access and use of this website http://www.americanexpress.co.in/ePrepaid is subject to the following terms and conditions. These terms and conditions govern your use of the American Express® Virtual prepaid General Purpose Semi Closed Reloadable Card in the form of a virtual wallet ("Terms and Conditions" or "Agreement"). If you agree to abide by the Terms and Conditions, please review, refer or download materials from this website.
By registering, accepting or using the American Express General Purpose Semi Closed Reloadable Card ("ePrepaid Card Account"), you indicate that you agree to these Terms and Conditions and You are entering into a legally enforceable Agreement with American Express. The terms "you" and "your" refer to the person who has funded the ePrepaid Card Account and / or on whose name the ePrepaid Card Account has been activated. The terms "we," "our" and "us" refer to American Express Banking Corp. ("American Express" ), the issuer of the ePrepaid Card Account, and its licensees. We/our/us and you/you shall be collectively referred to as "Parties" and individually as a "Party".
American Express may modify these Terms and Conditions at any time without notice to you by posting revised Terms and Conditions on its website. Your use of this ePrepaid Card Account constitutes your binding acceptance of these Terms and Conditions, including any modifications that American Express may make. Some of the Services may be subject to additional posted conditions. Your use of those Services is subject to those conditions, which are incorporated into these Terms and Conditions by reference. In the event of an inconsistency between these Terms and Conditions and any additional posted conditions, the provisions of the additional conditions shall control.
Compliance with Law: The ePrepaid Card Account is governed by the Reserve Bank of India ("RBI") guidelines, including those relating to Know Your Customer ("KYC") rules, and may also be subject to other instructions issued by the regulators from time to time, including in respect of redemption, repayment, and usage. American Express is not responsible or liable for any violation by you of applicable law. All transactions conducted using the ePrepaid Card Account, are subject to applicable Indian laws. You shall not use the ePrepaid Card Account for any unlawful activity. By purchasing or using this ePrepaid Card Account, you hereby declare that your name does not, at any time, appear in the consolidated list of Terrorist Individuals Organizations as circulated by the RBI from time to time or under screening of any other restricted list, for example OFAC list.
Purchase Limit: ePrepaid Card Account is an online virtual wallet, available only through of the American Express website located at http://www.americanexpress.co.in/ePrepaid or through the website of an online authorized Merchant in India, which would redirect it to the website of American Express. The ePrepaid Card Account can be activated by only through online transfer from a bank account of a Schedule Commercial Bank licensed by RBI subject to maximum of INR 10,000 in a given month.
This ePrepaid Card Account shall be subject to the KYC requirements as per RBI Guidelines.
Please note that an individual may not own more than one ePrepaid Card Account at the same time. Any order in excess of one (1) ePrepaid Card Account any one person's name, will be cancelled. Once activated the ePrepaid Card Account shall remain valid for five (5) years.
The services pursuant to this ePrepaid Card Account are provided only through a website, and all related communications shall only be transmitted via [postings on the website/] electronic mail (e-mail) or via short message text messages ultimately sent through the facilities of service provider(s) supplying wireless service in connection with the electronic address or mobile number you designate from time to time for receipt of the [Service]and/or a computer or similar device having access to the Internet.
YOUR CONSENT TO RECEIVE MESSAGES FROM AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"); IDENTIFICATION.
If you sign up for Alerts, you will be asked to provide your prior express consent to being contacted by us at the mobile number you provide to us in connection with your consent (or as updated by you from time to time). You agree that the Alerts may include, without limitation, text messages from an ATDS system or from an ATDS-capable system (including without limitation, any System we or our Technology Providers may use from time to time). You agree to print or save and retain a copy of your consent for your records. If you ever want to withdraw your consent, you may do so by turning off all SMS/text notifications through the [Service] by visiting the "Sign Up For Alerts" section of the Website. You may also unsubscribe from all SMS/text message Alerts by sending "STOP" to 560704 from the mobile number you have provided for receipt of the Service.
Some text messages are limited in size so you agree that we may send a code to help identify us. The code 560704 has been assigned to American Express and is intended to identify us as the sender of the message.
Fees/Taxes/etc: All fees/taxes/surcharges/service charges and all other levies on the ePrepaid Card Account shall be borne by you. Please refer to the Schedule of Fees for details.
Available Balance: You undertake to not use the ePrepaid Card Account when the Available Balance is zero or to cause the Available Balance in the ePrepaid Card Account to be negative. You are responsible for checking your transaction history online and knowing the Available Balance. The Available Balance can be checked at our website http://www.americanexpress.co.in/ePrepaid or by calling Customer Care Services at 000-800-440-2332 (toll free).
Fraud Claims: We will entertain fraud claims for your ePrepaid Card Account on account of unauthorized transactions.
Errors or Questions about Transactions related to the ePrepaid Card Account
Call us at the Customer Service Number 000-800-440-2332 or write us at American Express <>, as soon as you can if you think your Online Transaction History or receipt is wrong, if you believe that an unauthorized transaction has occurred or if you need more information about a particular transaction. In the case of queries regarding Online Transaction History, we must hear from you no later than sixty (60) days after the earlier of (i) the date you electronically access your Online Transaction History, if the error could be viewed there, or (ii) the date we sent the FIRST written history on which the error appeared. You may request a 60-day written history of your transactions at any time by calling us at the Customer Service Number 000-800-440-2332 or writing us at < >. We will initiate a thorough investigation and revert with the findings and our findings shall be final and conclusive.
No Warranties: We are not responsible or liable to you (i) for any misuse of the ePrepaid Card Account, (ii) for any interruption of services under ePrepaid Card Account, (iii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant by using ePrepaid Card Account. (iv) if any Merchant refuses to accept the ePrepaid Card Account for special offers and/or (v) for any other problems you may have with any Merchant. If you have a problem with a purchase made with the ePrepaid Card Account, or a dispute with a Merchant, you must deal directly with the Merchant involved. If a Merchant fails to honor the ePrepaid Card Account, please call Customer Care Services at 000-800-440-2332 (toll free) to report the incident immediately.
Amendment to these Terms and Conditions: We may change or amend the terms of, or add new terms to, these Terms and Conditions at any time, with or without notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with the ePrepaid Card Account, with or without notice, subject to applicable law. We also reserve the right to levy and or modify the Schedule of Fees, if any, at any time. Any notice given by us shall be deemed given when, addressed to you at your latest email address updated by you in ePrepaid Card Account for our records or when such notice is posted on our website. At any given time, the most updated set of Terms and Conditions will be available at http://www.americanexpress.co.in/ePrepaid. You agree to be bound by the Terms and Conditions whenever you use the ePrepaid Card Account.
THE ALERTS THAT YOU SELECT TO BE PROVIDED TO YOU THROUGH THIS SERVICE ARE FOR CONVENIENCE PURPOSES ONLY. UNLESS SPECIFICALLY STATED OTHERWISE, THE ALERTS ARE NOT REAL TIME. THEY DO NOT AMEND, SUPPLEMENT, CHANGE OR REPLACE ANY OTHER NOTICE OR INFORMATION THAT YOU MAY RECEIVE IN CONNECTION WITH YOUR ePrepaid Card Account, INCLUDING, BUT NOT LIMITED TO, ANY INFORMATION PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS. IF YOU HAVE ANY QUESTIONS OR CONCERNS ABOUT YOUR ePrepaid Card Account OR THE STATUS OF YOUR ACCOUNT (SUCH AS THE CURRENT AVAILABLE BALANCE), YOU SHOULD CALL THE TOLL FREE NUMBER OR USE OUR ONLINE CUSTOMER SUPPORT AVAILABLE AT THE WEBSITE.
Assignment and Waiver: We may assign our rights and obligations under this Agreement to a third party at any time without notice to you. However, if we assign our rights and obligations under this Agreement, the terms will remain substantially and materially the same unless you are notified. 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 the ePrepaid Card Account. 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 the ePrepaid Card Account, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited. Neither our failure to exercise any of our rights under these Terms and Conditions, nor our delay in enforcing or exercising any of our rights, shall constitute a waiver of such rights. If we waive any right under these Terms and Conditions on one occasion, such waiver shall not operate as a waiver as to any other occasion.
No Interest on Available Balance: No interest will be payable by us on the Available Balance reflected on the ePrepaid Card Account.
Data Protection and Privacy: During any Customer Care Service call, we may request that you provide the security code generated/ provided while activating the ePrepaid Card Account, as well as additional identification information such as your phone number, date of birth, and postal code. We may also obtain personal information ("ePrepaid Card Account Holder Information") about you, including information (i) provided by you at the time of activation or during customer service calls, and (ii) about purchases made by using the ePrepaid Card Account, such as the date, the amount and the place of purchase. For purposes of fraud prevention and regulatory compliance, we may also obtain information from providers of identity verification data and demographic information.
Only those persons who need it to perform their job responsibilities are authorised to have access to ePrepaid Card Account Holder Information. We also maintain physical, electronic, and procedural security measures that comply with applicable regulations to safeguard ePrepaid Card Account Holder Information.
Enabling ezeClick on ePrepaid: The ePrepaid User ID will be automatically set up as the ezeClick ID. Incase the ezeClick ID is not available for the ePrepaid User ID, the ePrepaid card member will be notified at the registered email id. The usage of ezeClick is subject to terms and conditions at https://payments.billdesk.com/amexezeclick/in/faq
Disclosure: We will use ePrepaid Card Account Holder Information to process ePrepaid Card Account transactions, provide customer service, enhance usage at retailers who may require postal code authorisation, and help protect against fraud. We also use ePrepaid Card Account Holder Information for marketing purposes and to conduct research and analysis. We may provide certain ePrepaid Card Account Holder Information to companies, including our affiliated companies and certain other entities, that perform business operations or services, including marketing services, on our behalf, or if required or permitted under any law.
We may provide certain ePrepaid Card Account Holder Information to others outside of American Express as permitted by any law, such as to government entities or other third parties as required by any law. We may develop marketing programs and send you offer for products and services. We do not share customer addresses with other companies for them to market their own products and services.
We may also be required to disclose information to the RBI or such other authority as may be required by the RBI or under any other applicable law, relating to you and/or to the transactions entered into using the ePrepaid Card Account.
Telephone Monitoring/Recording: From time to time we may monitor and /or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.
You agree to indemnify and keep us fully indemnified against all claims, demands, actions and proceedings which may be made against us and in respect of any and all damages, liabilities, losses, costs and expenses (including legal costs on full indemnity basis) which may be incurred, sustained or suffered by us, directly or indirectly, due to your use or misuse of the ePrepaid Card Account, negligence, misconduct or breach of any of these Terms and Conditions on your part and/or any other act, thing or matter arising out of or in connection with this Agreement.
Limitation of Liability
Subject to applicable law, you agree that if we fail to carry out any of our obligations, in connection with your ePrepaid Card Account and as direct result, you suffer loss or costs, we will be liable to you for that loss or cost only but not otherwise. If your ePrepaid Card Account's details are lost or forgotten by you, you may request on http://www.americanexpress.co.in/ePrepaid or contact us on Toll free no 000-800-440-2332. , on receipt of your request, we will provide the ePrepaid Card Account number and reset your passwords subject to your satisfactory reply to our security questions. The value equal to the Available Funds on your ePrepaid Card Account at the time you notified us requesting resetting the password or ePrepaid Card Account details, shall be maintained. Further, we will not be liable to you for any amount used from the Available Balance prior to you having notified us of the loss of passwords/ ePrepaid Card Account details. In particular we will not be liable for any consequential loss or any other loss or damage not directly or naturally resulting from the failure, including damages which may flow from extraordinary or special circumstances. In any event, we will not be responsible for losses or costs caused by any third party including but not limited to losses or costs caused by a third party due to any mechanical or systems failure.
Applicable Law and Jurisdiction
These Terms and Conditions and the ePrepaid Card Account, and all questions about their legality, enforceability and interpretation, are governed by the Indian laws and shall be subject to the sole and exclusive jurisdiction of Delhi /New Delhi courts only.
By accepting these Terms and Conditions , transferring amount through net-banking from an bank account of a Schedule Commercial Bank in the ePrepaid Card Account or by using the ePrepaid Card Account, you agree that You have read and understood and agree to be bound by these Terms and Conditions in their entirety and agree to comply with applicable law at all times.
Schedule of Fees
Issuance Fee (if any) ePrepaid Card Account Values (Rs.) Service Tax
Service Tax (and any Education cess thereon) is levied as per the prevailing rate of Service Tax on fee, interest and other service charges.
Complete Postal Address of the ePrepaid Card Account Issuing Bank
American Express Banking Corp.
Cyber City, Tower C,
DLF Bldg. No. 8, Sector-25, DLF City Phase II,
FOR MORE CLARIFICATION, PLEASE REFER TO http://www.americanexpress.co.in/ePrepaid/help
FOR PRIVACY STATEMENT , PLEASE CLICK https://www.americanexpress.com/india/pdfs/privacy_statement.pdf