Terms of Use for Beyond Main Gift Cards

Issued in United States Dollars

Note: These terms apply to Beyond Main Gift Cards issued in United States dollars ONLY. Beyond Main Gift Cards are digital wallet values issued by Beyond Main. The Card Agreement below details the terms and conditions set forth in regard to Beyond Main Gift Cards. Beyond Main respects our members' privacy and does not share your personal information with third parties.

For more information regarding Beyond Main Gift Cards, please refer to this Help article.

1. General Information

This Agreement contains the terms and conditions of your gift card ("Card"), or a Virtual Card, the Gift Card, referred to hereafter collectively as the “Card”, which is issued by Beyond Main. Please read this Agreement carefully and keep it for your records. By purchasing, accepting or using the Card, you agree to be bound by this Agreement. “You” and "your" means the person who has received the Card.

The Card is a payment card that can be used to purchase goods and services at www.Beyond Main.com. The Card is not a credit card, charge card or bank debit card and can only be used for the amount of funds loaded onto the Card. The funds loaded on the Card are collected by Beyond Main and deposited with and held by us in a pooled account with funds associated with other cards. You will not be paid or earn interest on the amount of the Card. The Card nor funds loaded to the Card are insured by the Federal Deposit Insurance Corporation. The Card may be subject to deductions required by law, including deductions, if any, resulting from the escheat of Card funds under applicable state laws governing unclaimed property. You may not add any funds to the Card. Your ability to make purchases with the Card will end when the Card amount reaches zero.

2. Types of Available Transactions and Limits on Transactions

Online Transactions. You may use the Card to purchase goods and services only from shops selling on www.Beyond Main.com that accept Beyond Main's direct checkout form of payment, as indicated in the shop itself under "Payment Methods." Beyond Main’s terms of use regarding purchases also apply.

If you attempt to use the Card for a purchase amount that is greater than the amount on the Card, your transaction may be declined. However, if the purchase amount is greater than the amount on the Card, you may be permitted to pay the difference with alternative methods. You do not have the right to stop payment on any transaction originated by the use of the Card. You agree that Beyond Main. is not responsible for goods or services purchased with the Card, and is not responsible if Beyond Main refuses to accept the Card or for any other actions of Beyond Main. Return policies for individual shops apply to your purchases, and any existing dispute processes apply. Please refer to Beyond Main’s terms of use for more information. You will resolve disputes using Beyond Main’s dispute management processes on purchases made using the Card and returns thereof, and if you receive a refund relating to a Card transaction, you agree to accept a credit to the Card as the method of refund. Any credit to the Card may not be available for use by you for up to 10 business days. A credit to a zero balance Card will reinstate the Card.

Unclaimed Funds – Escheat. If our records show that you have not used the Card within a time period set by state law, the amount remaining on the Card may become unclaimed property subject to escheat under state unclaimed property laws. If the amount remaining on the Card becomes unclaimed property subject to a state unclaimed property law, we will be required to escheat the available balance to the state in an amount and at the time required by the state law. At that time, you will lose the ability to use the Card. If escheat occurs, you may inquire about the status of the Card funds by contacting our Support Team.

Legal Transactions. You agree that you will only use the Card for transactions that are legal. You agree that Beyond Main may decline transactions we believe may be illegal or in violation of the applicable network rules. You also agree that if we do not decline the transaction, we may charge the Card and we are not liable to you if you engage in an illegal transaction.

Limitations on Use. You agree that a purchase made by you may not be authorized or settled by us unless it complies with this Agreement. The Card may be canceled, repossessed, locked or revoked at any time without prior notice. You may not use the Card to purchase additional Gift Cards.

Authorized Use of Card. If you authorize someone else to use the Card, you will be responsible for any transactions initiated by such person(s) with the Card even if you intended to limit that person’s use of the Card to a particular amount or particular time. You agree to safeguard the Card, and to report any suspected unauthorized use of the Card immediately by contacting our Support Team.

3. Email Address to be Notified in Event of a Lost or Stolen Card

If you believe that the Card has been lost or stolen: contact our Support Team. Subject to acceptable proof of Card ownership, we will make reasonable efforts to lock a lost or stolen Card from further use. If you notify us promptly of a lost or stolen Card and we are able to lock it from further use, you will not be liable for any further transactions associated with the lost or stolen Card.

You may request a replacement Card for a lost or stolen Card at by contacting our Support Team. A replacement Card will not be issued unless you present adequate proof of purchase, the Card number, and your full identification. Requests to replace a Card may be denied by us or Beyond Main groups or business partners, in either’s discretion, in the event we or Beyond Main suspect fraudulent or unlawful activity or improper Card use. If the replacement is approved, a new Card will be issued and activated in the amount remaining on the Card, if any, at the time of the replacement. Replacements may take up to 30 days to process.

4. Bank's Liability; Limitation of Liability; Error Resolution Procedures

5. Disclosure of Information to Third Parties

From time to time, subject to any applicable financial privacy laws or other laws or regulations, we may provide information about you (to the extent we obtain any information about you) and the Card to our service provider, Stripe Payments. We, including Stripe may provide information about you and the Card (a) in response to any subpoena, court or administrative order, or process which we believe requires our compliance; (b) in connection with collection of indebtedness or to report losses incurred by us; (c) in compliance with any agreement between us and a professional, regulatory or disciplinary body; (d) to carefully selected service providers where it is necessary to complete a transaction or to verify the existence and conditions of your Card; (e) as otherwise provided or allowed by law; and (f) to any third party to which you give us your permission to provide information about you and the Card. We, including Stripe Payments also may collect information about you and take actions necessary to verify your identification. You agree that any of us may disclose information to any third party about the Card when such information is aggregated with other information and does not specifically identify you.

6. Recording and Monitoring Telephone Calls

The telephone calls between you and us or our service providers may be recorded or monitored. We need not remind you of the recording or monitoring before each call unless we are required to do so by law.

7. Governing Law; Severability; Amendment

This Agreement will be governed by the laws and regulations of the United States and, to the extent not so covered, any contract issues shall be interpreted and enforced in accordance with the laws and regulations of the State of New Jersey. A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement. All provisions of this Agreement are void where expressly and to the extent prohibited by applicable law. In the event that any provision of this Agreement shall be determined to be illegal or unenforceable, that provision will be eliminated or adjusted to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. Unless prohibited by applicable law, we may amend or change this Agreement at any time. Beyond Main will notify you of any change in the manner required by applicable law; however, if the change is made for security purposes, we can implement such change without prior notice to the extent permitted pursuant to applicable law.

8. Non-Refundable

Gift cards are non-refundable once purchased. Refunds can be made on items purchased within Beyond Main however, but the refunded amount will be returned to the gift card. Additional information concerning this may be obtained by contacting our Support Team.

9. Termination of Gift Card Program

Beyond Main has the right to terminate the Card program at any time. If we have terminated the program and the Card can no longer be used, a refund request for the remaining amount on the Card can be made by contacting our Support Team. Requests for refunds may take up to 60 days to process. For inquiries concerning surrenders and redemptions, contact our Support Team.

10. Assignment

We may assign, without recourse, our duties and obligations as issuer of the Card to another entity.

11. Privacy Notice

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information that we collect and share depend on the product or service you have with us. This can include: • Address of Residence and Transaction History

When you are no longer our customer, we continue to share your information as described in this notice.

All Financial Companies need to share customers’ personal information to run their everyday business. Below is a list of reasons financial companies can share information and if Stripe, shares this type of information. For the types of information we share, you cannot limit this type of sharing.

Reasons we or Stripe can share your personal information:
• For our everyday business purposes - such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
• For our marketing purposes - to offer our products and services to you.
• For joint marketing with other financial companies.
• For our affiliates’ everyday business purposes - information about your transactions and experiences.
• For our affiliates to market to you.
• For non affiliates to market to you.


How does Beyond Main and Stripe protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Beyond Main and Stripe use my personal information? We collect personal information, for example, when you
• Open a Card Account and use your Card
• Make a purchase
• Give us your contact information
We also collect your personal information from others, such as affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes- information about your creditworthiness,
• Affiliates from using your information to market to you,
• Sharing for non affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.

12. Form of E-Communications Disclosure

We suggest you read this document and print a copy for your reference.

Note: This E-Communication Disclosure (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your gift card (“Card”), or in lieu of a Card, the virtual Gift Card, referred to hereafter collectively as the “Card” and any related products and services (“E-Communications”). This Disclosure supplements and is to be construed in accordance with the terms contained in the Card Agreement (“Agreement”) you received from Beyond Main. The words "we," "us," and "our" refer to Beyond Main and our payments processor Stripe. The words "you" and "your" mean you, the individual(s) who has received the Card.

SCOPE OF COMMUNICATIONS TO BE PROVIDED IN ELECTRONIC FORM

When you use the Card to which this Disclosure applies, you agree that we may provide you with any required communications or disclosures in electronic format, and that we may discontinue sending paper communications and disclosures to you, unless and until you withdraw your consent to E-Communications as described below. Your consent to receive E-Communications includes, but is not limited to:
• All legal and regulatory disclosures and communications associated with the Card
• The Card Agreement and any notices about a change in the terms of the Card Agreement
• Privacy policies and notices


METHOD OF PROVIDING COMMUNICATION TO YOU IN ELECTRONIC FORM

All E-Communications that we provide to you will be provided by e-mail or by posting such E-Communications on our website at www.Beyond Main.com.

HOW TO WITHDRAW CONSENT

You may withdraw your consent to receive E-Communications at any time by contacting our Support Team. We will not impose any fee to process the withdrawal of your consent to receive E-Communications. Any withdrawal of your consent to receive E-Communications will be effective only after we have a reasonable period of time to process your withdrawal. In the meantime, you will continue to receive E-Communications from us. If you withdraw your consent, the legal validity and enforceability of prior required disclosures and communications delivered in electronic form will not be affected.

HOW TO UPDATE YOUR RECORDS

It is your responsibility to provide us with a true, accurate and complete e-mail address, your contact information, and other information related to this Disclosure and your Card, and to maintain and update promptly any changes in this information. You can update this information by logging onto your Beyond Main.com account.

HARDWARE AND SOFTWARE REQUIREMENTS

In order to access, view, and retain E-Communications that we make available to you, you must have:
• An Internet browser that supports 128 bit encryption
• Microsoft Internet Explorer 4.7 or above, Netscape Navigator 4.7 or above, or the equivalent software.
• Sufficient electronic storage capacity on your computer's hard drive or other data storage unit
• An e-mail account with an Internet service provider and e-mail software
• A personal computer (for PCs: Pentium 120 Hhz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor: 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing E-Communications received from us in via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above
• Adobe Reader version 9.0 or higher


REQUESTING PAPER COPIES

We will not send you a paper copy of any E-Communication unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an E-Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the E-Communication to you. To request a paper copy, contact us by contacting our Support Team. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any required disclosure or communication that you have authorized us to provide electronically.

COMMUNICATIONS IN WRITING

All required disclosures and communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other E-Communication that is important to you.

FEDERAL LAW

You acknowledge and agree that your consent to E-Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

TERMINATION / CHANGES

We reserve the right, in our sole discretion, to discontinue the provision of your E-Communications, or to terminate or change the terms and conditions on which we provide E-Communications. We will provide you with notice of any such termination or change as required by law.