Terms and Conditions

Last Updated 15 Jul 2017

1. This Agreement

The terms and conditions of your use of, and access to, our Products are set out herein below. Please read these terms and conditions carefully, as they impose rules, obligations and other responsibilities on you in respect of, amongst other things, your use of the Products.

1.1 Parties to this Agreement

This Agreement is a contract between you (“you” or “your”) and OneCash Payment Pte Limited (UEN No. 201415008E) (“OneCash”, “we”, “us”, “our”). It sets out the terms and conditions that apply to your use of our Products. You agree that your acceptance of these terms and conditions, and ongoing use of our Products, shall constitute your acceptance of this Agreement.

If you do not want to be bound by this Agreement, you must not make a purchase using OneCash Products.

1.2 Policies incorporated into this Agreement

Before you create an account with us and/or use any of our Products, you should read this Agreement, as well as OneCash’s Privacy Policy and any other policy found on the Website, which are incorporated into this Agreement by reference.

To the extent of any inconsistency between this Agreement and any incorporated policy, the incorporated policy will prevail.

1.3 General

(a) OneCash reserves the right, to amend, vary and/or modify this Agreement (including but not limited to the terms and conditions herein) from time to time or at any time in OneCash’s sole and absolute discretion with or without giving notice to you. We will post the amended Agreement on our Website. Please read this Agreement carefully each time you agree to its terms when placing an Order. If you do not agree with the changes, do not place any further Orders using the OneCash Products.

(b) For the avoidance of doubt, we will not amend, vary and/or modify any terms and conditions for an existing Order that has been accepted by us; the terms and conditions that shall apply to an accepted Order are the terms and conditions applied at the time you made the Order.

2. Our relationship
2.1 About us

(a) Our Products allow you to buy goods or services offered by online merchants with whom OneCash are partners (“Retailers”).

(b) By placing an Order with a Retailer by using our Products, you provide us with unconditional and irrevocable consent and direction to pay the Retailer on your behalf in exchange for your agreement and obligation to repay or pay to us, as principal debtor, in accordance with this Agreement the agreed amounts and on the dates outlined in your Payment Schedule, plus any additional applicable Fees, including Late Fees if you miss a repayment to us on or before the scheduled date, as set out in clause 4 below.

(c) You acknowledge that we do not have any control over, and are not responsible or liable for, the products or services purchased from Retailers paid for with our Products. We cannot and do not ensure that a Retailer you are dealing with will complete the transaction.

(d) OneCash does not:

  1. Enter into a partnership, joint venture, agency or employment relationship with you;
  2. Guarantee the identity of any Retailer;
  3. Determine if you are liable for any taxes; or
  4. Collect or pay any taxes on your behalf that may arise from your use of our Products.
2.2 Your Consumer Rights

As a consumer, you have certain rights under amongst other sources, the Consumer Protection (Fair Trading) Act (Cap. 52A) and Sale of Goods Act (Cap. 393). Your rights as a consumer inter alia include but are not limited to:

(a) implied terms that goods sold will be of satisfactory quality, correspond with description in sales by description and be reasonably fit for the purpose which goods are bought. When such terms are breached, consumers are entitled to a range of remedies, including but not limited to inter alia, claims for damages; and

(b) statutory protection of the consumer against unfair practices by the supplier in relation to any consumer transaction.

Nothing in this Agreement is intended to exclude, restrict or modify any of your rights as a consumer as against the Retailers.

2.3 No warranty

(a) We do not make any representations or warranties of any kind with respect to the suitability, reliability, availability, or the use and/or results of the use of our Products, or of the correctness, accuracy, reliability, or contemporaneousness of the content on our Website.

(b) Except as required by law, we do not guarantee continuous, uninterrupted or secure access to our Products, and we make no representations or warranties regarding the amount of time needed to complete processing of payment transactions.

2.4 Your eligibility

(a) To be eligible to use our Products you must:

  1. be an individual who is at least 18 years old;
  2. be capable of entering into a legally binding contract;
  3. have a valid and verifiable email address and mobile telephone number;
  4. provide a valid delivery address in Singapore; and
  5. have access to a Payment Method, for example: by being the holder of a Card.
  6. be a NRIC or FIN card holder

(b) By entering into this agreement, you represent and warrant that you are eligible to use our Products.

2.5 Transfers or assignments

(a) You cannot transfer or assign any rights you may have under this Agreement without our prior written consent.

(b) We may at any time and without your prior consent transfer or assign this Agreement, and/or any rights under this Agreement, to a third party by giving notice to You. For avoidance of doubt, You agree that we may appoint third party collections agencies to collect any amounts owing to us under this Agreement without your consent, in this regard, you acknowledge that we may transfer or assign any amount of money You owe to us to another person, without your prior consent by giving notice to You.

3 Your OneCash Account
3.1 Creating your OneCash Account

(a) We will create your OneCash Account when you place your first Order with any of our Retailers.

(b) Once your OneCash Account is created, you will be prompted to choose and enter a secure password. You may subsequently access your OneCash Account, using your secure password, through our Website.

(c) You are responsible for maintaining the security of your OneCash Account details. We will not take responsibility for unauthorised access and/or use of your OneCash Account. You agree to assume the entire risk as to the security and/or access and/or use of your OneCash Account.

(d) You acknowledge and agree that if a person places an Order with a Retailer by using your OneCash Account (whether with or without your authorisation), that person will be deemed to be you for the purposes of this Agreement and that will not (subject to clause 3.1(c)) affect your obligations under this Agreement, regardless of whether:

  1. we are or at any time become aware of that or the use of your OneCash Account not being authorised by you;
  2. there is a dispute, breach, defect or other issue in relation to the Order, the products and/or services subject to the Order and/or the associated sales contract and/or any other agreement between that person and the Retailer; or
  3. any rights or claims that we and/or the Retailer may have against that person.
3.2 Your obligations to us as a holder of an OneCash Account

By holding an OneCash Account with us, you agree that you shall:

(a) Forthwith pay any applicable Fees associated with your use of our Products and your OneCash Account;

(b) Not provide us with any information that is false, inaccurate or misleading;

(c) Ensure any information about you, including your contact details, is true, current and complete. If your information changes, you must use all reasonable endeavours to update it through your OneCash Account via our Website;

(d) Provide to us in a timely manner all documentation relating to your identity, if requested by us;

(e) Not use your OneCash Account or our Products for any unlawful, fraudulent or improper activity;

(f) Cooperate fully with us to investigate any suspected unlawful, fraudulent or improper activity on your OneCash Account;

(g) Be aware of and forthwith pay any taxes that may apply to your use of our Products;

(h) Not permit others to use your OneCash Account, or allow anyone else to have and/or use your account password details;

(i) Not use any technology (device, software or hardware) to damage, intercept and/or interfere with our Products;

(j) Immediately contact us if you believe that your OneCash Account may be subject to an unauthorised transaction, account takeover and/or other type of fraudulent activity and/or security breach;

(k) Not create liability for us or cause us to lose (in whole or in part) the services of our Retailers; and

(l) Unconditionally authorise us to disclose Card-related profile and purchase behaviour information to third parties (including, without limitation, Visa and MasterCard) for the purpose of eliminating fraudulent and/or illicit behaviour (which include but are not limited to money-laundering activities).

3.4 Closing your OneCash Account

(a) You may request, but we are not bound to, and subject to our sole discretion, close your OneCash Account by contacting us directly. You may only request to close your OneCash Account if:

  1. all amounts owing to us by you (including any Late Payment Fees) have been paid in full to us; and
  2. no disputes or refunds are in progress.

(b) You shall not close your OneCash Account to evade investigations of any nature (including but not limited to investigations by the relevant authorities).

(c) We may at our sole and absolute discretion close your OneCash Account for any reason, upon giving you at least 90 days’ notice. This Agreement shall survive and shall continue to apply to any Orders accepted prior to such closure until all amounts owing are received in full (including any Late Payment Fees).

(d) Except as otherwise stated, this Agreement will be terminated once your OneCash Account is closed. However, you shall remain liable for all outstanding obligations related to the OneCash Account even after it has been closed.

(e) We may immediately limit your access to our Products or suspend or close your OneCash Account where we have reasonable cause to do so including, without limitation, where:

  1. we reasonably consider it necessary to do so in order to:

    1. protect the integrity of our systems or the Products;
    2. prevent fraud;
    3. limit the risk of money laundering or terrorism financing; or
    4. otherwise protect us against legal, regulatory or non-payment risk;
  2. you do not pass our verifications or checks, including our pre-authorisation check described in clause 6.2(d); or
  3. we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date).

(f) We will use reasonable efforts to provide written notice to you before closing your OneCash Account, in the circumstances described in clause 3.4(e) above, except where doing so may compromise any investigation related to your breach of this Agreement or unlawful or improper conduct. Where we close your OneCash Account in accordance with clause 3.4(e), this Agreement will be terminated, and all amounts owed by you to us shall immediately become payable to OneCash.

(g) Despite clause 5(f), where your OneCash Account has been closed for any reason, our respective obligations in relation to product returns in clause 5 will only continue until:

  1. all amounts you owe to us have been paid to us; or
  2. the date which is 120 days after your last Order

whichever is sooner. After that time, the Retailer shall be solely responsible for processing all product returns and associated refunds.

4. Orders, payments and billing
4.1 Order Confirmation and Payment Schedule

(a) All Orders which you place with OneCash are subject to approval by OneCash, in our sole and absolute discretion. We may in our sole and absolute discretion, choose not to approve an Order or provide a Product to you, or may cancel an approved Order before the goods or services are delivered or supplied, if: (i) In our sole and absolute discretion, we consider this necessary in order to: (A) protect the integrity of our systems or the Products; (B) prevent fraud; (C) limit the risk of money laundering or terrorism financing; or (D) otherwise protect us against legal, regulatory or non-payment risk; (ii) you do not pass our verifications or checks, including those described in clause 6; (iii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date); or (iv) we otherwise reasonably consider the Order to be suspicious. (b) If we cancel an approved Order: (i) we will apply a full refund of any amounts you have paid to us to your Nominated Payment Source or (if that is not possible) to any other Card that you have provided us details of, and will cancel any future payments related to that Order. The Retailer will not be obliged to deliver the goods the subject of the Order, unless required to do so by law; (ii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to that Order; and (iii) if you wish to proceed with the purchase from the Retailer, the Retailer may accept an alternative payment method in its discretion, or if required to do so by law. (c) Once we approve your Order, you will receive an email from us with confirmation of receipt of your Order and a Payment Schedule. (d) You agree to ensure that payment(s) are made in accordance with the Payment Schedule. You may make early payments through your OneCash Account, otherwise OneCash will automatically process payments in accordance with the due dates stated on the Payment Schedule. You irrevocably authorise OneCash to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, OneCash reserves the right to re-attempt to process the payment at a later time or date.

4.2 Automatic Payments

(a) An ‘Automatic Payment’ is a payment, through the Payment Method you have chosen, that we will automatically charge directly to your nominated Card (‘Nominated Payment Source’) on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule. You will have the option to select a preferred Payment Method and Nominated Payment Source when your OneCash Account is being created. You can update or change your preferred Nominated Payment Source or Payment Method at any time via your OneCash Account.

(b) Subject to the other terms and conditions of this Agreement, You hereby expressly consent to, authorise and instruct OneCash to deduct Automatic Payment amounts from your Nominated Payment Source for the amounts and on those scheduled dates set out in your Payment Schedule. You acknowledge that you are giving us the ability and/or authorisation to collect or reverse variable payment amounts from or to your Nominated Payment Source, in accordance with your Payment Schedule and the terms of this Agreement.

(c) You are responsible for ensuring that you have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of our error or system failure. If any fees or charges are imposed as a result of our error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.

(d) If an Automatic Payment fails (for example, if your Nominated Payment Source is a credit or debit card which has expired), Late Payment Fees may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorise us to satisfy any monetary liability you owe us by:

  1. Debiting your Nominated Payment Source at a later time or date;
  2. Debiting any other Card which you have provided details of;
  3. Offsetting the payment amount against any amounts we may owe to you; or
  4. Any other legal means.

Please see clause 4.3 below for more information regarding Late Payment Fees.

4.3 Late Payments

(a) If you fail to pay any amounts according to the Payment Schedule, Late Payment Fees will apply on each payment that is due but not received. For the avoidance of doubt, Late Payment Fees will not be applied until the day immediately following the day that the payment is due.

(b) We may, at our sole discretion, delay the application of, or waive wholly or partly, any Late Payment Fee. If Late Payment Fees are or may be incurred as a result of OneCash’s error, please let us know, and we will waive or refund such fees, as relevant.

4.4 Fees

(a) Charges or Fees, if any, payable by you for the use of our Products or your OneCash Account. Late Payment Fee: $10 Late Payment Fee if a payment is due from you but not received by OneCash in accordance with the Payment Schedule, with a further $7 Late Payment Fee added seven days after the payment is due if the payment is still unpaid.

4.5 Interest

(a) No interest charges are payable by you for the use of our Products.

4.6 No set off

Notwithstanding any other provisions of this Agreement, you must make all payments in accordance with the Payment Schedule and pay all other amounts in full to us under this Agreement without any set-off, withholding or reduction for any reason whatsoever, including any existing or future act, omission or default by us.

5. Refunds

(a) If you decide to return goods to a Retailer, which have been purchased using our Products, and request a refund, or a return and refund are otherwise accepted by the Retailer or permitted by law, you shall directly arrange the return with the Retailer, ensuring that the goods are returned according to the Retailer’s returns policy or other instructions or your rights at law.

(b) It is your responsibility to notify the Retailer if you intend to return any goods. The return must be completed within the period specified and in the manner required by the Retailer’s returns policy or as otherwise permitted by the retailer.

(c) Unless we are notified by a Retailer that a return and refund is in progress, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.

(d) Until such time that the Retailer has confirmed the return of the goods and has issued a refund to us for those goods, you shall remain liable to us for the full payment of the goods, in accordance with your Payment Schedule.

(e) Once the Retailer has issued a refund to us for the goods, we will issue a refund to your Nominated Payment Source (or, if that is not possible, to any other Card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or cancel any future payments, if necessary).

(f) Where you wish to return a product 120 days or more after the purchase date, we shall no longer have any involvement in the product return process (i.e. the Retailer will provide any agreed refund directly to you).

6. Assessment and checks
6.1 Assessment

(a) We reserve the right to assess, and determine whether to accept or cancel, each Order in accordance with clause 4.1.

6.2 Repayment capability and identity checks

(a) We reserve the right to verify your identity, including but not limited to any steps and/or actions that we may take in order to comply with the relevant anti-money laundering and counter-terrorism legislations and/or regulations and/or guidelines in Singapore (including but not limited to the Corruption, Drug Trafficking and Other Serious Crimes (Confiscation of Benefits) Act, Cap. 65A (CDSA) and/or the Terrorism (Suppression of Financing) Act, Cap. 325 (TSFA)).

(b) You agree to provide any information or documentation reasonably requested by OneCash or a Retailer to verify your identity in connection with your OneCash Account or Orders.

(c) You unconditionally authorise us to make, directly or through third parties, any enquiries we consider necessary to verify your identity and assess your capability to make payments according to the Payment Schedule in relation to all OneCash Orders. This may include ordering a credit report, performing other repayment capability checks and verifying information you provide against third party databases.

(d) All information that OneCash collects about you, including information collected in connection with the verification of your identity, will be collected, used and stored in accordance with the OneCash Privacy Policy (https://www.OneCash.com.au/privacy/).

(e) You authorise OneCash (or any third parties providing services on behalf of OneCash) to disclose to third parties, to the extent required by any applicable laws or regulations, any information in relation to you or your OneCash Account. In addition, you acknowledge that OneCash reserves the right to report any negative activity on your OneCash Account (including late payments, missed payments, defaults or chargebacks) to credit reporting agencies.

(f) As part of our approval process and our assessment as to whether or not you have the means to fulfil your obligation to make future payments to OneCash according to the Payment Schedule, we reserve the right to conduct a pre-authorisation of your Nominated Payment Source. This may involve placing funds in the account linked to your Nominated Payment Source on hold each time you make an online purchase, obtain a barcode for an in-store purchase or add a new Card to your OneCash Account. For online purchases:

  1. the pre-authorisation amount will not exceed your first instalment (plus one cent) owed to us for that purchase; and
  2. we shall take reasonable steps to immediately instruct your bank to void this pre-authorisation transaction.
7. Our Intellectual Property

(a) Our Website and all content on our Website are the exclusive property of OneCash. The information on our Website is for information purposes only and is subject to change without notice.

(b) You must not copy, imitate, modify, alter, amend and/or use without our prior written consent any URLs representing our Website, or any of our content, logos, graphics, icons or other content published on our Website or in our printed media.

8. Complaints and disputes
8.1 Disputes between you and a Retailer

(a) If you have a dispute with a Retailer, you should file a dispute through direct contact with the Retailer.

(b) Whilst OneCash will take reasonable endeavours to facilitate communication between you and the Retailer to enable a resolution to all disputes, the outcome of your disputes with Retailers will not affect OneCash’s rights and remedies under this Agreement or your obligation to meet any payments due to us, except as expressly provided in clause 5.

8.2 Disputes between you and us

(a) We will take reasonable steps to:

  1. Acknowledge receipt of all complaints within 5 business days; and
  2. Resolve all complaints within 45 business days.

(b) If you wish to raise a dispute or submit a complaint to us, you should do so by contacting us using the details listed below. Disputes should be raised with us as soon as possible.

Email: support@OneCash.com

Phone: 62524220

Mail: ​18th Floor, Republic Plaza I, 9 Raffles Place, Singapore, 048619

(c) We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.

(d) Where we cannot resolve a dispute within 45 business days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint or dispute.

9. Notices and Communications
9.1 How we will communicate with you

(a) This Agreement and any other agreements, notices or other communications regarding your OneCash Account and/or your use of our Products may be provided to you electronically.

(b) You agree to receive all communications from us in electronic form. Communications will be posted on our Website (where permitted under this Agreement) and/or sent to your email address.

(c) Alternatively, we may choose to give notice to you by:

  1. serving it personally at, or sending it by post to, your nominated contact address listed on your OneCash Account; or
  2. sending it to you via other electronic methods of communication using contact details listed on your OneCash Account (including text messages).

(d) Where a notice is served personally, service of the notice is taken to be effected when delivered. Where a notice is sent by post, service of the notice is taken to be effected on the fourth day after the date of postage. Where a notice is sent by electronic mail, or through other electronic means, service of the notice is taken to be effected on the day after the day on which it is sent, unless we receive notification that delivery has failed.

(e) You give us your consent to use the contact details you have provided to us to:

  1. contact you on an ongoing basis for marketing purposes whether by email, SMS, phone or otherwise (unless you have notified us that you do not wish to receive such communication; and/or
  2. contact you in relation to your OneCash Account and/or our Products.

(f) You acknowledge that we (or any third party providing services on behalf of us) may monitor or record telephone conversations and/or electronic communication for quality control and training purposes or for OneCash’s own protection. OneCash does not provide any guarantee that any such monitoring or recording will be retained or retrievable.

9.2 How you can communicate with us

(a) Notices

Except as explicitly stated otherwise, any notices to us should be given by mail to: OneCash, 18th Floor, Republic Plaza I, 9 Raffles Place, Singapore, 048619

(b) Other communications

If you wish to contact us for any other reason, you can do so on the details below:

Email: support@OneCash.com

Phone: 62524220

Mail: ​18th Floor, Republic Plaza I, 9 Raffles Place, Singapore, 048619

10 General
10.1 System Outages

(a) Access to our Products or our Websites may occasionally be unavailable or limited due to hardware or software failure or defects, overloading of system capacity, damage from natural events or disasters or disruptive human activity, interruption of power systems, labour shortages or stoppages, legal or regulatory restrictions as well as other causes outside of our control.

(b) To the extent permitted by law, and subject to clause 2.2, OneCash shall not be liable for any loss and/or damage which you may incur as a result of our Products or our Website being unavailable.

10.2 Governing Law and Jurisdiction

(a) This Agreement and its terms and conditions are governed by the laws of Singapore. Each party irrevocably submits to the exclusive jurisdiction of the Singapore courts.

10.3 Limitation of Liability

(a) To the fullest extent permitted by law, and subject to clause 2.2:

  1. OneCash’s liability for all claims arising under or related in any way to this Agreement and its terms and conditions, no matter how it shall arise, and whether in contract, tort (including but not limited to negligence), or otherwise, shall not exceed:

    1. S$500; or, if that limit is found to be unenforceable,
    2. S$1,000; or, if that limit is found to be unenforceable,
    3. 100% of the value of any affected Order(s); and
  2. OneCash and its related bodies corporate, or any third party providing services on behalf of OneCash, shall not be liable to you for any Consequential Loss arising under or related in any way to this Agreement and its terms and conditions, no matter how it shall arise and whether in contract, tort (including but not limited to negligence) or otherwise.

(b) OneCash and/or its related bodies corporate, or any third party providing services on behalf of OneCash, and the directors, employees, officers, agents and representatives of them, will not, to the extent permitted by law and subject to clause 2.2, be liable for any loss or damage (including any direct, indirect or Consequential Loss or damage) you or any third party may incur from your purchase and/or use of any goods and/or services from a Retailer, except to the extent that it is proven that we cause such loss and/or damage (in which case, our liability to you is limited as set out in clause 10.3(a) above). You acknowledge that any consumer-related claims you may have in respect of the goods or services purchased from a Retailer will be a matter between you and the Retailer, subject to any obligation on us to process refunds and cancel future payments in accordance with this Agreement and our agreement with the Retailer.

(c) To the extent permitted by law, a party’s liability to the other party under or in connection with this Agreement is reduced to the extent, if any, to which the other party’s acts or omissions cause or contribute to its own loss or damage.

(d) The parties will take all reasonable steps to mitigate any loss incurred by them under this Agreement.

10.4 Indemnification

(a) You are responsible to each Indemnified Party for any loss, costs (including reasonable legal fees), expense and/or damage the Indemnified Party suffers or incurs:

  1. in connection with any claim and/or demand made by any third party due to and/or arising out of your breach of this Agreement, and/or your breach of any law and/or of the rights of a third party relating to your use of our Products and/or Website; and
  2. as a direct or indirect consequence of unauthorised users accessing your account as a result of your negligence (no matter the extent). To the extent that clause 10.4(a) gives a non-party rights, OneCash contracts as trustee of the rights given under that clause.

(b) Your liability under clause 10.4(a) will be reduced proportionately to the extent that OneCash:

  1. caused or contributed to the relevant claim, demand, loss or damage; or
  2. failed to take reasonable steps to mitigate the relevant claim, demand, loss or damage.
DEFINITIONS

OneCash”, “we”, “us” or “our” means OneCash Payment Pte Limited (UEN No. 201415008E).

OneCash Account” means an account that OneCash creates to uniquely identify you and to enable you to use our Products.

Agreement” means this agreement and its schedule, together with any policies and documents incorporated by reference.

Card” means any card issued by Visa or MasterCard, excluding Gift Cards and other pre-paid cards.

Consequential Loss” means any loss, damage or costs incurred by you that is indirect or consequential, as well as loss of revenue; loss of income; loss of business; loss of profits; loss of production; loss of or damage to goodwill or credit; loss of business reputation, future reputation or publicity; loss of use; loss of interest; losses arising from claims by third parties; loss of or damage to credit rating; loss of anticipated savings and/or loss or denial of opportunity.

Fees” means any fees charged by us, as described in this Agreement, including Late Payment Fees.

Gift Card” means a stored value or prepaid card which, when activated:

(a) can be used to purchase services or merchandise from suppliers;

(b) may not be redeemable for cash;

(c) may be capable of being used on multiple occasions;

(d) is marketed solely as a gift card;

(e) is not a component of another financial product; and

(f) prominently displays or permits the prominent display on the card or mechanism either:

  1. the expiration date; or
  2. the number of months following purchase that such card or mechanism expires (along with room to write the purchase date on such card or mechanism).

For the avoidance of doubt, Gift Card includes both open loop and closed loop pre-paid cards.

Indemnified Party” means each of OneCash, its related companies, any third party providing services on behalf of OneCash, and its and their directors, employees, officers, agents and representatives.

Late Payment Fees” mean a $10 Late Payment Fee if a payment is due from you but not received by OneCash in accordance with the Payment Schedule, with a further $7 Late Payment Fee added seven days after the payment is due if the payment is still unpaid.

Nominated Payment Source” has the meaning given in clause 4.2(a).

Order” means a request submitted by you to us, to use an OneCash Product to pay for goods or services offered by a Retailer.

Payment Method” means any payment method accepted by OneCash from time to time.

Payment Schedule” means, in relation to an Order, a list of payment amounts that OneCash is entitled to receive from you, and the relevant due dates of each payment.

Products” mean the payment products and associated services offered by OneCash from time to time.

Retailer” means an online merchant with which OneCash has a merchant agreement and whose goods or services may be purchased by you using our Products.

Website” means www.OneCash.com and any other website operated by OneCash.