Gift Card Helpful Tips
Your card is active and ready to use. Please sign your card immediately.
Register Your Card
This card must be registered to increase your chances of recovering disputed funds. You may register your card at http://GiftCard.TDBanknorth.com.
Keep your card safe.
Keep your gift card with you or in a safe place. It's as good as cash. If your gift card is lost or stolen, it can still be used to make purchases.
Note your card number.
We encourage you to keep your gift card number in a safe place – separate from the card. That way, if it is lost or stolen, you may be able to close the card before someone else uses it.
Know your balance.
Be sure to keep track of how much money you have remaining on the card. Not sure? Check online at http://GiftCard.TDBanknorth.com, or contact TD Banknorth Card Services 24/7 at 800-884-4593 to get your balance.
Bring card balance to zero.
To use all of the money on the card, you will need to know your balance. If you are making a purchase for an amount greater than what's remaining on the card, let the merchant know what the balance is on your card and to charge that exact balance to your card. Then, pay the remaining balance of the purchase by cash, check or debit/credit card.
Terms and Conditions and Important Information Concerning the Gift Card – Effective September 8, 2008
By purchasing, receiving and/or using this TD Banknorth Visa® Gift Card, You agree to be bound by the Terms and Conditions of this Agreement. As used in these Terms and Conditions "You" or "Your" means the person who has purchased, received and/or signed the back of the TD Banknorth Visa Gift Card; "We", "Us" or "Our" means TD Bank, N.A., Our successors, affiliates or assigns; "Card" means the TD Banknorth Visa® Gift Card. Please read the following carefully and keep for Your records. Please sign Your Card immediately.
1. Card Description And How the Card Works. The Card is a proprietary form of a Visa stored value card. The Card accesses a special pre-paid payment facility You have opened by delivering funds to Us for use by this Card. The Card is not linked to nor does it access, in any way, any checking or other accounts at our Bank. The Card is not a credit card. No interest will be paid on the balances transferred to the Card and such balances are not FDIC insured. The TD Banknorth Gift Card is non-reloadable and cannot be reused after all the original purchased value has been used. You acknowledge and agree that the amount available on the Card is limited to the prepaid U.S. dollar value loaded on the Card at the time of purchase. No additional funds may be added to the Card. This amount is prepaid by the purchaser of the Card, and the amount available will decrease each time you use the Card to make a purchase or you incur, or we assess, a fee or charge. Your TD Banknorth Visa Gift Card is issued by TD Bank, N.A. The card does not have a personal identification number ("PIN"), is not enabled for PIN transactions and may not be used to obtain cash at ATM machines. The Card cannot be used for cash advances and cannot be exchanged for cash at branches or other financial institutions.
2. Using Your Card.
a. Registering the Card. You or the person to whom you give the card as a gift should register the card at http://GiftCard.TDBanknorth.com.
b. Record Your Card Number. Record your card number in a safe place separate from the card. You will need your card number when reporting a lost or stolen card or unauthorized transactions.
c. Signature of Cardholder. You or the person to whom You give the Card as a gift must sign the back before they use the Card.
d. How You Can Use Your Card. You may use the Card:
(1.) By Signature At Merchants. To pay for purchases at merchants who display the Visa Debit Card logo, and have agreed to accept the Card. Sign the sales receipt to complete the transaction. If there's a keypad, tell the salesclerk that you prefer to sign for your purchase. Usually, You will need to push the "credit" payment option. There is no cost for this service.
(2.) At Gas Stations. The TD Banknorth Visa Gift Card can be used at gas stations; however, at gas stations with a "pay at the pump" capability, the Card cannot be authorized directly at the pump. Simply present the Card to the attendant for payment. Sign the sales receipt to complete the transaction. If there's a keypad, tell the salesclerk that You prefer to sign for Your purchase. Usually, You will need to push the "credit" payment option.
3. Transaction Limitations.
a. Nontransferable Once Signed. The TD Banknorth Visa Gift Card may be used by the purchaser or given as a gift to another person. However, once the Card is signed it is non-transferable. Please do not sign the Card if You intend to give it as a gift to another person. The person who receives it as a gift should be the person who signs it.
b. Point of Sale Use and Hold Periods. When You use the Card to obtain goods or services at a merchant location, the merchant may attempt to obtain preauthorization from the Card for the transaction. A three (3) day hold will be placed on the Card for the amount of the preauthorization request, which means those funds may not be used for any other purpose during the hold period. If the preauthorization request varies from the amount of the actual transaction, the hold may not be removed until the three (3) day hold has expired.
c. Purchases That Exceed the Value of the Card. If the amount of Your purchase is greater than the amount available on Your Card, the difference can be paid with another form of payment, depending on the policy of the merchant. Any transaction attempted for more than the amount available on the TD Banknorth Visa Gift Card will be declined. Therefore, You must know the amount available on Your Card and inform the merchant to process the transaction in that amount.
d. International ATM card or Visa® Debit Card Transactions. The exchange rate between the transaction currency and the billing currency used for processing international ATM Card or Visa Debit Card transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, on all international ATM Card or Visa Debit Card transactions the Bank will charge an International Service Assessment Fee of up to 1% to offset the Bank's costs for Visa services.
e. The card does not have a PIN and is not enabled for PIN transactions. It cannot be used to obtain cash at ATM machines or at Bank branches, or at point-of-sale terminals that require a PIN.
f. Additional Transactions. You shall not use Your Gift Card for any illegal transaction. We may decline authorization for any illegal transaction or Internet gambling transaction.
4. How to Obtain Your Card Balance or Obtain Information on Transactions Previously Made.
It is important that you keep track of the balance on Your Card. To check your TD Banknorth Visa Gift Card balance or to get a summary of the transactions You have made, call TD Banknorth Gift Card Services' automated toll-free telephone number at 1-800-884-4593 or go to http://GiftCard.TDBanknorth.com. You are encouraged to use your Card as soon as possible and use the entire balance. You will need your card number to receive information. You should be issued a receipt for each transaction You make, unless Your transaction totals $15.00 or less, but you will not receive a statement or written summary of transactions.
5. Theft, Unauthorized Use or Loss of Your Card. (Please note that the Card must be registered online at http://GiftCard.TDBanknorth.com to increase your chances of recovering disputed transactions.)
a. Authorized use of Card. You are responsible for all authorized and unauthorized uses of Your Card except to the extent that applicable law may protect You from liability for unauthorized purchases.
b. What to Do If You Believe Your Card is Stolen or Unauthorized Transactions have occurred.
Notify Us immediately at 1-800-884-4593. You will need Your card number to receive information.
c. What to Do If Your Card Is Lost. If You lose Your Card, it is like losing cash and We may not either reissue the Card or refund Your money. However, We advise You to report the loss of the Card by calling Us at 1-800-884-4593 as soon as You discover the loss.
d. Replacement For Damaged Cards. A replacement card can be issued for the value remaining on any damaged Card and the original Card will be canceled. A service charge may be assessed for this service. The Service Charge will be deducted from your remaining balance at the time a replacement card is issued.
6. The Following Notice Contains Information About Your Right to Dispute Errors.
a. What To Do About Suspected Errors. In case of errors or questions about electronic transactions on the Card, write to Us at TD Banknorth Gift Card Services, P.O. Box 1377, Lewiston, ME, 04243-1377.
b. Information You Must Give To Us. When you make your inquiry about the suspected error, You must supply Us the following information:
- Your name and the Card number.
- A description of the error or the transaction You are unsure about and a clear explanation of why You believe it is an error or why You need more information.
- The dollar amount of the suspected error.
c. What Happens If We Believe No Error Occurred. If We decide there was no error, We will generally send You a written explanation within three (3) Business Days, after We finish Our investigation. You may ask for copies of the documents that We used in Our investigation.
d. Disputes with Merchant. If You have a problem with any goods or services You purchase using the Card, You agree to settle any disputes arising from the problem directly with the merchant who provided the goods or services.
7. Validity of Your TD Banknorth Visa Gift Card.
a. Expired Cards: Your TD Banknorth Visa Gift Card will be valid for use until the "Valid Thru" date shown on the front of Your Card. The administration fee1 may consume the balance of Your Card before the Expiration Date. We encourage You to use the entire gift amount before the "Good Thru" date shown on the Card. Different states may vary the period during which a Card is valid for use. If there is any remaining unused balance on the Card after the "Good Thru" date, present the Card at a TD Banknorth branch and We will reissue a new Card to You in an amount equal to the remaining balance or issue a check to You for the amount of the remaining balance at no charge.
8. Cancellation.
a. Issuer and Owner. Your TD Banknorth Visa Gift Card is issued by TD Bank, N.A. We are the owner of the Card. The TD Banknorth Visa Gift Card will remain Our property. We may cancel Your right to use the TD Banknorth Visa Gift Card at any time and have You return the Card to Us.
b. Change in the Program. We may change the terms of, add new terms to, or discontinue this Gift Card Agreement or the program at any time, and without giving You notice, subject to applicable law. Check http://GiftCard.TDBanknorth.com for posting of the most recent terms.
9. Other Terms and Conditions.
Neither TD Bank, N.A. nor any other TD Banknorth corporate affiliate will be liable to You for failure to honor the TD Banknorth Visa Gift Card.
10. TD Banknorth Visa Gift Card Service Charges.
Purchase Price for Gift Card (plus the dollar value to be put on card): $0.00; Miscellaneous Fees that may be deducted from the card balance: (1) Replacement Card = $10.00, (2) Express Delivery of Card = $35.00, (3) Check issuance = $20.00 (4) Administration fee1 = $2.50 (5) International Service Assessment Fee2
11. Governing Law.
a. Maine Law Applies. These Terms and Conditions are governed by Maine law, except where applicable Federal law is controlling.
b. Electronic Funds Transfer Act Does Not Apply. Neither the Electronic Funds Transfer Act nor Regulation E thereunder applies to the TD Banknorth Visa Gift Card. Therefore, these Terms and Conditions and Important Information About the TD Banknorth Visa Gift Card are the only provisions that apply and the only disclosures that you will receive from Us. Please retain this for future reference.
c. Not FDIC Insured. The TD Banknorth Visa Gift Card balance is not an FDIC insured deposit.
12. Questions or Concerns.
If You have any questions concerning Your TD Banknorth Visa Gift Card, please visit www.TDBanknorth.com/giftcards or write to Us at TD Banknorth Gift Card Services, P. O. Box 1377, Lewiston, ME, 04243-1377.
