Give a Gift Card Customer Terms and Conditions

1. Introduction and acceptance

Effective Date: 1 August 2026
These Terms and Conditions govern the relationship between you and Tranxactor New Zealand Limited, trading as Give a Gift Card (“Give a Gift Card”, “Tranxactor”, “we”, “us”, “our”).

These Terms must be read together with:

• the Tranxactor Privacy Policy;
• any applicable Product Schedule;
• any applicable Fee Schedule;
• any promotional programme terms; and
• any merchant-specific gift card conditions.

By placing an order, purchasing, receiving, redeeming, registering or using a Product or Service, you agree to be bound by these Terms.

If there is any inconsistency between the English version of these Terms and any translated text, the English version will prevail.

2. Definitions and interpretation

Available Balance means the remaining value available on a Gift Card.
Customer means any individual purchasing, sending, receiving, holding or redeeming a Product.
Fee Schedule means the schedule of fees published by Tranxactor from time to time.
Gift Card means a digital or physical gift card sold through Give a Gift Card.
Order means a purchase transaction submitted through the Give a Gift Card platform.
Product means any gift card, voucher, promotional item or related offering made available through Give a Gift Card. 
Services means all services provided by Tranxactor in connection with the Give a Gift Card platform. 

3. Eligibility and customer obligations

To use our Services, you must:

• have an Order, Product or customer relationship that has not been suspended or cancelled;
• agree to these Terms;
• have read and agreed to the Tranxactor Privacy Policy;
• be at least 18 years of age;
• have legal capacity to enter into agreements;
• provide any information reasonably requested by us;
• comply with all applicable laws; and
• be able to honestly make the representations set out in section 5.

We may refuse to provide our Services, or may refuse, cancel, suspend, delay or decline an Order, Product, Gift Card, redemption, delivery, transaction, promotion or service request, if:

• payment authorisation fails;
• you are not the authorised holder of the relevant payment method;
• the payment method is invalid, expired or not in good standing;
• we consider it reasonably necessary to protect our systems, customers, merchants, partners or business;
• we consider it reasonably necessary to protect us or you from fraud or other illegal activities;
• we consider that acting on your request may cause us or any service provider to breach any law, regulation, directive, sanction, payment partner requirement or banking requirement;
• we have reasonable grounds to suspect that you or someone purporting to act on your behalf is acting fraudulently;
• your request does not contain all information we require;
• you use the Services in connection with prohibited, unlawful or high-risk activity;
• we reasonably consider you pose an unacceptable liability, credit, compliance, fraud, operational or reputational risk;
• you provide incomplete, incorrect or misleading information;
• you attempt to obtain more funds, value, refunds, credits or benefits than you are entitled to; or
• any other circumstance arises that reasonably justifies refusal, cancellation, suspension or del

4. Customer information

You must ensure that all information you provide to us is accurate, current, complete and not misleading. You must promptly notify us of any material changes to your information. We may request further information or documents where reasonably required for identity verification, fraud prevention, compliance, operational, delivery, customer support or risk management purposes.

5. Customer representations

You represent that you are a natural person of at least 18 years of age, have legal capacity to enter into these Terms, are authorised to use any payment method you provide, will use the Products and Services only for lawful purposes, will provide accurate, complete and non-misleading information, and will comply with these Terms and all applicable laws.

6. Communications

We may communicate with you electronically, including by email, SMS, website notice, customer support message or any other digital channel approved by us. Communications may include order confirmations, delivery notifications, service notices, policy updates, security notifications, fraud alerts, customer support communications, legal notices and marketing communications where permitted by law. You may opt out of marketing communications at any time, but you may still receive important service, legal, security or order-related communications.

7. Privacy

We collect, use, store and disclose personal information in accordance with the Tranxactor Privacy Policy, as updated from time to time. The Tranxactor Privacy Policy applies to this Service and explains how personal information is handled, including collection, use, disclosure, retention, security, access, correction, complaints, website visitors, cookies and online enquiries.

8. Security and authorised use

• You must keep all devices, account access tools, passwords, PINs, security credentials, gift card codes, redemption details and login details secure.
• You must not share security credentials or allow another person to use your order details, Product, Gift Card, account access tools or customer relationship.
• You must promptly notify us of any loss, theft, unauthorised access, suspected compromise, mistaken transaction, incorrect recipient details or security concern.
• We may treat actions performed using valid credentials, codes, links or redemption details as authorised unless and until we have been notified otherwise and have had a reasonable opportunity to act.

9. Using Give a Gift Card Products and Services

Orders submitted through Give a Gift Card constitute an offer to purchase Products.
We may accept, decline or cancel Orders at our discretion before fulfilment.
An Order is not accepted until payment has been successfully authorised and confirmation has been provided.

10. Orders, payment and fulfilment

Payments may be processed by us or approved third-party payment providers.

You authorise us to:

• verify payment information;
• undertake fraud screening;
• request additional information; and
• perform transaction monitoring.

11. Transaction security and verification

We may request additional information where reasonably necessary to verify an Order, payment method, billing details, delivery details or customer identity, prevent fraud, protect customers, resolve suspected errors or meet legal, payment partner or regulatory requirements.

• verify identity;
• verify ownership of payment instruments;
• verify billing information;
• verify delivery information;
• investigate unusual transactions; and
• satisfy compliance obligations.

Failure to provide requested information may result in:

• delayed delivery;
• Order cancellation;
• suspension of Services; or
• refusal of future Orders.

12. Gift Card delivery

Unless otherwise stated, most of our Gift Cards are actual cards and will be delivered physically by courier.

Delivery times are estimates only. Please allow at least two clear business days for your order to be processed before we despatch

We are not responsible for delays caused by:

• delivery providers;
• recipient email systems;
• incorrect recipient information;
• force majeure events; or
• third-party systems.

13. Gift Card activation and redemption

Gift Cards are subject to:

• merchant terms;
• expiry provisions where permitted by law;
• applicable programme conditions; and
• redemption restrictions imposed by participating merchants.

Gift Cards are not redeemable for cash unless required by law.

14. Promotional offers

Promotional campaigns:

• may be modified;
• may be withdrawn;
• may be limited; and
• may have additional conditions.

Promotions cannot be combined unless expressly permitted.

15. AML/CFT, sanctions and fraud monitoring

We may request and use information necessary to meet legal, regulatory, AML/CFT, sanctions, fraud prevention, banking, payment partner, operational and risk management requirements, including where necessary to:

• verify identity;
• verify source-of-funds information;
• verify ownership of payment methods;
• prevent fraud;
• comply with AML/CFT obligations; and
• fulfil legal requirements.

15.1 Ongoing monitoring

We may monitor:

• Orders;
• payment activity;
• device information;
• website activity;
• usage patterns; and
• transaction history.

for compliance, fraud prevention and risk management purposes.

15.2 Sanctions and regulatory requirements

We may delay, block, suspend or refuse any transaction where we reasonably believe it may:

• breach sanctions laws;
• breach AML/CFT requirements;
• breach legal obligations; or
• expose Tranxactor to regulatory risk.

We are not liable for delays arising from such obligations.

15.3 Fraud prevention

We may:

• delay Orders;
• hold transactions for review;
• request documentation;
• suspend Services;
• cancel Orders; or
• refuse future transactions.

where fraud, suspected fraud, unauthorised activity or suspicious conduct is identified.

16. Suspension, cancellation and service withdrawal

We may suspend any Product or Service where reasonably necessary to:

• investigate fraud;
• investigate suspicious transactions;
• comply with legal obligations;
• protect customers;
• protect our systems; or
• manage risk.

Suspension may occur without prior notice.

16.1 Order cancellation

We may cancel Orders where:

• payment authorisation fails;
• fraud is suspected;
• requested information is not provided;
• legal or regulatory obligations require cancellation; or
• system errors occur.

Where appropriate, payments may be refunded in accordance with applicable laws.

16.2 Product withdrawal

Tranxactor may discontinue:

• any Product;
• any feature;
• any merchant programme;
• any promotional programme; or
• any service channel.

Where practical, affected customers will receive notice before withdrawal.

Tranxactor may also permanently close, withdraw or discontinue the Give a Gift Card website, platform, Product range or Services at its discretion, including for commercial, operational, security, regulatory, legal, supplier-related or risk management reasons. Where practical and lawful, Tranxactor will provide reasonable notice and information about any available redemption, refund or transition arrangements.

Service closure or Product withdrawal does not affect rights or obligations that have already accrued, including fraud prevention, compliance, record retention, dispute resolution, payment reversal, chargeback, refund, audit and enforcement rights.

17. Liability and indemnity

17.1 Liability

Except for any liability that cannot be excluded by law, including statutory consumer guarantees, Tranxactor is not liable to you for any loss or damage arising from your use of the Products or Services, except to the extent that loss or damage is caused by our negligence or fraud.

• indirect loss, consequential loss, loss of profits, loss of opportunity or reputational damage;
• loss caused by participating merchants or delivery provider delays;
• system outages, service unavailability, inaccurate or delayed information, or failed or delayed communications;
• unauthorised access where you have failed to keep credentials or gift card details secure; or
• transactions, Orders, redemptions or deliveries delayed, blocked, suspended, cancelled or refused for legal, compliance, payment partner, fraud prevention or risk management reasons.

Nothing in these Terms excludes, restricts or limits any rights or remedies that cannot lawfully be excluded or limited under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other applicable law.

17.2 Customer indemnity

You indemnify and keep Tranxactor indemnified, and must pay us on demand, against all claims, actions, suits, losses, defaults, liabilities, expenses, costs, including legal costs, and damages that we may incur or suffer arising out of or in connection with your use of the Products or Services, including:

• your failure to comply with these Terms;
• your failure to comply with any law, regulation, directive or sanction;
• your failure to pay any charges or fees payable by you under these Terms;
• your unlawful conduct, fraudulent activity or misuse of Products or Services;
• unauthorised use of a payment method, chargebacks, or requests or Orders purporting to originate from you.

The indemnity given by you under these Terms is a continuing obligation and continues after termination. It is not necessary for us to incur expense or make payment before enforcing the relevant indemnity.

18. Third-party merchants

Gift Cards may be redeemable with participating third-party merchants.

Each participating merchant is solely responsible for the goods and services supplied by that merchant.

Tranxactor is not responsible for:

• goods or services supplied by merchants;
• merchant insolvency;
• merchant refusal to honour a Gift Card where permitted by law;
• merchant operational decisions; or
• merchant-specific terms and conditions.

19. Service availability

We do not guarantee uninterrupted availability of the website, platform, payment functionality, customer support channels or Services.

Services may be unavailable due to scheduled outages, maintenance, upgrades, emergency maintenance, security requirements, operational issues, supplier or payment partner issues, banking requirements, compliance requirements, risk management reasons or factors beyond our control, such as your internet connection.

Where practical, we may publish information about scheduled outages on our website or through another customer communication channel.

20. Intellectual property

All intellectual property rights in the Give a Gift Card website, platform, branding, content, software, documents, customer communications, Product materials, programme materials and related materials remain the property of Tranxactor or its licensors.

You are authorised solely to view and retain a copy of pages from our website for your own personal, non-commercial use.

You must not copy, reproduce, distribute, modify, upload, transmit, reuse, publish, frame or exploit those materials except as permitted by us in writing or as necessary to use the Services for their intended purpose.

If you provide suggestions, feedback or input relating to our Products, Services or website, you agree that we and our corporate group entities may use that input without restriction.

21. Refunds

Refund rules may vary by Product and may be affected by merchant terms, delivery status, redemption status, payment partner rules, fraud prevention requirements, chargeback processes, operational requirements or these Terms. Refunds may be delayed, declined, reduced, reversed, offset or returned to the original payment method where required or permitted by law.

22. Complaints and external dispute resolution

Customers should first contact Give a Gift Card Customer Support so we can review and respond to the complaint. We will investigate complaints within reasonable timeframes and may request further information where needed to assess the issue.

If we are unable to resolve your complaint directly, you may have the right to refer the matter to an applicable external dispute resolution scheme, regulator or court with jurisdiction. We will provide details of any applicable external dispute resolution process where required by law or where it is otherwise available for the relevant complaint.

23. Changes to these Terms

Type of change	Time frame	Method of notification
New fee or increase to a fee relating solely to your use of our Services, other than fees disclosed before you use the relevant Service	30 days in advance	Electronically or by another reasonable customer communication channel
A change that is to your benefit or is required to comply with law, regulation, security, fraud prevention, compliance, banking or payment partner requirements	On or before the day the change takes effect, where reasonably practicable	Electronically or by another reasonable customer communication channel
A change that relates to the availability of a new Product, feature, merchant programme, promotion or Service	On or before the day the change takes effect, where reasonably practicable	Electronically or by another reasonable customer communication channel
A change that clarifies an existing term, corrects an error, updates operational wording or is administrative in nature	On or before the day the change takes effect, where reasonably practicable	Electronically or by another reasonable customer communication channel

24. Assignment

Tranxactor may assign, transfer, subcontract or novate its rights and obligations under these Terms, including to a related company, purchaser, successor, service provider or product operator. Customers may not assign or transfer rights or obligations under these Terms without our prior written consent.

25. Severability and set-off

If any part of these Terms is prohibited, invalid or unenforceable, it is ineffective to that extent only and the remaining provisions continue in force unless severance would alter the basic nature of the agreement. We may set off any amount we owe to you against any amount payable by you under any arrangement with us.

26. Governing law and jurisdiction

These Terms are governed by and interpreted in accordance with the laws of New Zealand. Each party accepts the non-exclusive jurisdiction of the New Zealand courts.

27. Entire agreement

These Terms, together with the Tranxactor Privacy Policy and any applicable Product Schedule, Fee Schedule, promotional programme terms and merchant-specific gift card conditions, constitute the entire agreement between you and Tranxactor regarding the Services.