Privacy

Effective from 1 November 2021

Please read these GTC carefully before using your card. The below information sets out the General Terms and Conditions (GTC) pertaining to the Card used by you, and regulates the legal relationship between you and the Issuer. Terms like “we”, “us”, “our” and similar terms refer to the Issuer. By using the Card, you accept the conditions set out in these GTC. With respect to matters relating to the interpretation of the GTC, or if you do not agree to any provision thereof, please contact our Customer Service at any of the contacts set out in Clause 18 of the GTC.

Activation: the operation executed via phone call at the Costumer Service, at the website www.edenredkartya.hu or by using the Edenred Mobile Application available on IOS and Android, during which the Cardholder activates the Card issued to him.
Fee: the fees and costs encumbering the Client in relation to the Card, as set out in Clause 9 of the GTC.
Edenred Acceptance Mark: the logo of Edenred, indicating that the Card is accepted at the place where it is displayed. Edenred Mobile Application: the Programme Manager’s Edenred Mobile application which enables the Cardholders to activate the Card and register their Edenred Cards electronically, as well as to trace their personal expenses.
Electronic money: the amount embodied by the claim against the issuer of the electronic money that is stored electronically – including magnetic storing –, issued against the receipt of funds for the purpose of performing payment operations provided in the Act on the Pursuit of the Business of Payment Services and, beyond the issuer of the electronic money, also accepted by other natural and legal persons, economic entities without legal personality and individual entrepreneurs. The electronic money qualifies as a non-cash means of payment.
Authorised Account Information Provider: a third-party payment service provider authorised by the competent Supervisory Body to provide Account Information Service to you with your explicit consent, based on a separate agreement concluded by you and such payment service provider.
Strong Customer Authentication or SCA: Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market (the so-called “PSD2 Directive”) sets out the requirement of strong customer authentication, the purpose of which, among other things, is to make online/electronic payment transactions more secure. The SCA is an additional security measure that checks whether you really confirmed the Transaction or other action related to the use of the Card and/or Account. In this scope, every Card Holder must provide his or her phone number, to which the Service Provider will send a unique code at the time of initiation of each online/electronic payment operation, which code the Card Holder has to enter into the appropriate online interface in order to confirm the online/electronic payment transaction.
Contactless Payment: a method of payment enabling Cardholders to pay by touching the Card to the scanner of the POS terminal. No PIN code is required for transactions not exceeding the transaction limit set forth in the legislation.
HUF: Hungarian forint, the official currency of Hungary.
Supervisory Body: The National Bank of Belgium in Belgium, or another supervisory body supervising other European payment service providers.
Inactivity: if the Card is not used for any transactions for a period of 12 months.
Card: any and all Cards issued to you under this Contract according to the Client GTC and the EMPS Agreement. The Comfort Card is a:
– disposable card: the Card cannot be reloaded, it can be used up to one-time balance or until expiry
– non-personalized card: the Card does not bear the Cardholder’s name, and in Edenred systems the Card cannot be assigned to the Cardholder.
Card Number: the 16-digit card number found on the front side of your Card.
Cardholder or You: the natural person deemed by the Client eligible for using the Card.
Issuer: PPS EU SA, a company registered in Belgium under the number 0712.775.202 (1160 Brussels, boulevard du Souverain 165 boîte 9, Belgium). PPS EU is operating under the supervision of the National Bank of Belgium and has been authorised by the same to issue electronic money and provide payment services.
Mastercard Acceptance Mark: the logo of Mastercard International Incorporated, indicating that the Card is accepted at the place where it is displayed.
Mastercard International Incorporated: Mastercard International Incorporated, a business entity with its registered office located at 2000 Purchase Street, Purchase, New York 10577 USA.
Participating Vendor or Participating Business is an entity accepting Edenred Cards from the Cardholders in the case of the sale of products or the provision of services, and where the Programme Manager made accepting the Cards technically available, and who placed out the Mastercard or Edenred Acceptance Mark.
PIN: personal identification number, PIN code.
POS: point of sale.
Programme: the Benefits Card Programme, in the scope of which we provide you the Card for use.
Programme Manager: Edenred’s Hungarian subsidiary, a company established in Hungary under the name: Edenred Magyarország Kft.; registered office: H-1134 Budapest, Váci út 45.), the Issuer’s payment intermediary.
Available Balance: value of the funds available on your Card for use.
Account: the function recording the amount of money available and assigned to your Card (not a deposit, savings or other bank account).
Account Information Service: an online service providing aggregate information to you regarding your accounts held at one or more payment service providers (e.g. banks).
Contract: these Cardholder GTC, as amended from time to time.
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes.
Transaction: all POS and online commercial sales carried out with your Card.
Client: the Cardholder’s employer or business partner with whom the Programme Manager and the Issuer has entered into a contract under which the Card has been manufactured.
Customer Service: the contact centre dealing with inquiries and requests for services in connection with your Card. The Cardholder shall obtain customer service information on the Comfort Card primarily through the Cardholder Information Line at +36 1 382 4000. The contact details of the Customer Service are set out in Clause 18 of these GTC. www.edenredkartya.hu website, MyAccount: the interface on the Website where – following registration – you can access your own Account and view your Available Balance and transaction history online. You can find up-to-date information about your account at the website www.edenredkartya.hu. You need Internet connection to access the website. www.edenred.hu: Edenred’s website, where these GTC and the Data Processing Policy are available.

2.1. Your Card is a card credited with Electronic Money, but the Card cannot be reloaded. It is not a credit or debit card. The Available Balance does not earn interest and may not be used for savings, but for payment, and only in accordance with the conditions set out in this Contract and the effective Client GTC available on the website www.edenred.hu and the EMPS Agreement in all cases.
2.2. Your Card was issued by the Issuer based on the permission of Mastercard International Incorporated. This Card
is an Electronic Money product. The Electronic Money associated with this Card is provided by the Issuer. The Issuer’s electronic money issuing activity and payment services are regulated by the National Bank of Belgium. Your rights and obligations with respect to the use of the Card are regulated by this Contract concluded between You and the Issuer; You have no legal relationship whatsoever with Mastercard International or its affiliated companies. If you detect an issue in connection with the use of the Card, please contact the Customer Service or the Client. Crediting amounts to the Card is carried out based on the Client’s order, in HUF, with the terms and conditions provided in this document and the Client GTC. Your right to use the Card comes from the Client, and is only valid to the extent of the Electronic Money deposited on your Edenred Card. All rights related to Electronic Money (including its ownership) shall remain with the Client. The Card will remain in the Issuer’s ownership.
2.3. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. We undertake to carry out all correspondences with you in matters concerning your Card or Account using the Hungarian language.

2.4. For verification and security purposes, such as the application of Strong Customer Authentication measures, we are required to collect certain personal information from you including your mobile phone number. We will pass this data to our third party service providers as required for the administration of Strong Customer Authentication measures.

3.1. You have to sign your Card immediately after receiving it.
3.2. The card can only be used after activation. Upon Activation, please proceed as instructed in the information document attached to the Card received. No liability is borne by the Issuer and the Programme Manager for the failure to sign and/or activate the Card.
3.3. Card Activation can be done by the Cardholder in the Activation menu of the Cardholder Information Line (+36 1 382 4000). After Activating the Card, you will receive a 4-digit PIN code. Always keep your PIN code safe, do not disclose it to anyone and ensure that it is not readable by anyone when you enter it. We will not disclose your PIN code to third parties. If you forget your PIN code, please call our Customer Service or visit the website www.edenredkartya.hu or open the Edenred Mobile Application and choose the option to view your PIN code.
3.4. If you register your Card on www.edenredkartya.hu or in the Edenred Mobile Application, you can use the online services available through your account. During registration, you will need to provide your personal information and contact details (eg name, e-mail address, mobile phone number), ie the Card will be “personalized”.
3.5. If you wish, you may use an Authorised Account Information Provider to provide Account Information Service for you regarding your Card. Prior to engaging an Authorised Account Information Provider, we recommend you check whether the Supervisory Body authorised it to provide Account Information Service. You have to explicitly consent to the sharing of or share your Account data with the Authorised Account Information Provider on every occasion when it has to access the Account in order to provide Account Information Service for you. Please, always consider the consequences of sharing your Account or personal data.
3.6. When an Authorised Account Information Provider requests access to your Account using the Account data in order to provide Account Information Service to you, we will assume that you have given your authorisation for this. Please note that we are obliged to provide access to your Account if the Authorised Account Information Provider requests this, and we may only deny this in specific cases.
3.7. If we deny access to your Account from the Authorised Account Information Provider, we will inform you immediately after the refusal regarding the reason thereof, except where we are not allowed to do so due to legal or security reasons.

4.1. The Card may only be used by Participating Vendors who have a contractual relationship with the Programme Manager: https://komfort.edenred.hu/. The enabled products and services for the Card are specified in Clause 4.8. The Programme Manager accepts no liability for cases when the card company classification of the terminals in the stores or store chains is different from what is expected or for any incidental changes in the classification of the stores. The balance of electronic money available with regard to the Card may only be used for the partial or full settlement of the consideration paid for the scope of products and services indicated on that Card. The Issuer and the Programme Manager shall not be responsible for the misuse of the Card. Your Card and the Available Balance associated with it may be used only for Transactions executed in HUF, excluding redemption or conversion to cash or scriptural money.
4.2. The Client may load your Card once, meaning that the balance assigned to the Card cannot be reloaded. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on your Card. You will not be able to use your Card after its expiry date or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed with a higher amount than the Available Balance on your Card, you shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds your Available Balance within 14 days of the receipt of the invoice from the Issuer. If you fail to pay the amount within 14 days of the receipt of the invoice from the Issuer, the Issuer shall be entitled to take all measures necessary for the collection of the outstanding amount, including legal action and the suspension of the further use of the card.
4.3. You can authenticate the Transactions to be carried out at the Participating Vendors by providing your PIN or – in the case of online Transactions – CVC code in each case. In the event of contactless transactions up to the amount set forth in the legislation, no PIN code is required for the authentication. You are responsible for all Transactions that you authenticate. A transaction can also be authorised by tapping the Card against a Contactless enabled reader. A transaction can also be authorised by tapping the Card against a Contactless enabled reader. You can make 5 consecutive Contactless transactions after which any Contactless transactions will be declined and you will be required to enter your PIN to authorise the transaction. Please keep in mind that, as a general rule, it is not possible to stop a Transaction once approved and received by the Issuer. The Issuer may reject Transactions if it finds them to be conflicting with the provisions of these GTC or be violiating the law (e.g. Transactions carried out with a stolen Card).
4.4. The Cardholder can query his Available Balance at any time via the Cardholder Information Line (+36 1 382 4000) or after registering online at the website www.edenredkartya.hu or in the Edenred Mobile Application.
4.5. For security reasons, the Participating Vendors accepting your Card shall request authorisation via a POS or VPOS terminal from the Issuer for your Transactions. In some cases, a Participating Vendor may require that your Available Balance be higher than the value of the Transaction you intend to carry out. You will only be charged for the actual and final amount of the Transaction carried out. Merchants request this if they may require a larger amount of funds than which you wished to spend originally. For example:
4.5.1. Hotels and car rental: As Participating Vendors are not able to determine the amount of your final invoice preliminarily, they may request authorisation to deduct an amount of funds exceeding your Available Balance.
4.5.2. Participating Vendors on the Internet: Certain participating internet websites may send you a request for payment authorisation at the time of registration or the payment step in order to check availability of the funds; this may impact your Available Balance temporarily. Please note also that some websites do not charge the amount to be paid until the delivery of the goods. When viewing your Available Balance, please take into consideration such possible changes of the funds available and determine based on that whether there is a sufficient amount on your Card to cover your purchases. The Card cannot be used for online payments where the currency of settlement is not HUF.
4.6. Using 3D Secure
4.6.1. 3D Secure is a payment authentication standard for internet purchases which adds an extra layer of security when purchasing goods or services online with participating retailers. It is a form of Strong Customer Authentication. To enhance the safety of online payments, you will increasingly need to use 3D Secure to confirm it’s you when you make payments online.
4.6.2. To use 3D Secure:
– you must have internet access;
– you must have a mobile phone;
– we must have your correct mobile phone number;
– your mobile phone must be able to receive text messages.
It is important that you ensure that the personal information we hold for you (in particular your mobile phone number) is up-to-date. You can do this by logging in to your MyEdenred Account choosing Edit profile.
4.6.3. When making a purchase online for which authentication is required, you will be brought to a 3D Secure verification screen.
4.6.4. You’ll be prompted to enter an one-time passcode (passcode) sent to your mobile phone by text message (SMS) to complete your purchase. You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly, you will be unable to complete your online purchase.
4.6.5. The passcode will only be valid for the online purchase you have received it for.
4.6.6. We will deem any transaction authenticated using 3D Secure as having been authorised by you.
4.6.7. You will be charged for each transaction made using 3D Secure in accordance with the fee indicated in the 9.2. point of these GTC. You are responsible for any SMS fees charged to you by your mobile phone provider.
4.7. The Card cannot be used for the verification of identity.
4.8. The scope of services available with the Card: the Card may be used to access specified products and services at contracted partners.
4.9. You may not use your Card to redeem traveller’s cheques, for exchanging money, to have cash refunded from Participating Vendors or settle outstanding amounts in connection with credit cards, bank overdrafts or loan agreements, gambling, dating or escort services, or at automatic fuel stations and fuel sellers.
4.10. The Available Balance on your Account does not earn interest.

5.1. You cannot credit funds to your Card. Only the Client shall be entitled to credit funds once to the Card through the Issuer.

6.1. The expiry date of your Card is printed on the Card’s front side. You will not be able to use your card after the expiry date.
6.2. After the expiry of the Card the Issuer will irreversibly block the Cards belonging to the Client and recorded in its system. The Client may request the redemption of the Electronic Money for a period of 6 years following the expiry date of the Card.
6.3. Pursuant to Clause 2.2, after the expiry of the Card, any Available Balance remaining on your Card and all statutory rights relating to the electronic money will remain in the Client’s ownership and will not be transferred to you.
6.4. With regard to the Card, the Issuer may charge an inactivity fee specified in Clause 9 after 12 months of Inactivity. The Issuer shall be entitled to charge the Inactivity Fee to the Cardholder retroactively after the conclusion of the Contract.

7.1. We may restrict or deny the authentication of your Card if the Card is or may be used in breach of this Contract, or if we can suspect on reasonable grounds that you or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
7.2. If we have to investigate a Transaction carried out with the Card, you are obliged to cooperate with us or – if necessary – any other official body.
7.3. Never:
7.3.1. let anyone else use your Card, or get access to it in any way;
7.3.2. write your PIN code, CVC number, password or any other security information related to the Card, the Account or the Website identification data on your Card or anywhere else;
7.3.3. disclose or otherwise make available your PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise;
7.3.4. share with or otherwise make accessible to third parties the Card, the Account or the Website access data, except if that third party is an Authorised Account Information Provider, and you wish to use its Account Information Service.
7.4. You are responsible for any Transaction that you authenticated via your signature, PIN code, CVC code or SCA, or where in the event of contactless transactions, you are unable to prove that no third person could access your Card.
7.5. You agree to hold harmless and indemnify us, our partners and any company belonging to the same company group as the above with regard to the expenses incurred by any legal action initiated in order to enforce these GTC, any breach of these GTC and/or the fraudulent use of your Card by you or authenticated by you.
7.6. The Cardholder may immediately – but not later than the day of the thirteenth month following the execution of the Transaction corresponding to the date of debiting the Card – initiate the rectification of the unapproved payment transactions or those approved but incorrectly executed. If the month of expiry does not contain the calendar day corresponding to the Date of Debiting, then the time limit for such rectification shall be the last day of the month.
7.7. The Cardholder expressly acknowledges and agrees that the Participating Business and/or the Cardholder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Manager or the Issuer shall not have any liability in this regard.
7.8. If any reimbursement becomes necessary for the Cardholder under the legal relationship established between the Participating Business and the Cardholder, then – upon the written request of the Participating Vendor or the Cardholder and following the identification of the transaction – the Issuer and the Programme Manager execute the crediting, provided that if the payment for the Participating Business has already been executed, then it credits the amount to be reimbursed to the Cardholder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
7.9. The Cardholder expressly acknowledges and agrees that the cancellation/modification of the Transaction or the restoration of the original state may be initiated on real grounds and along with the Participating Business only, in the form of a jointly submitted unanimous declaration.
7.10. The Cardholder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Business – as well as the related request and the resulting enforcement of claims – may not serve as a basis for offsetting upon settlement with the Programme Manager or the Issuer, thus on no legal grounds may the claims between the Participating Business and the Cardholder be enforced against the Programme Manager or the Issuer, who expressly and fully exclude any such liability.

8.1. You have to handle the Electronic Money on the Card in the same manner as the cash in your wallet. If you lose your Card or if it is stolen, the amount on it may be lost just as if it had been in your wallet.
8.2. In the event of loss, theft, fraud or any other threat that involves the risk that the Card may be used in an unauthorised manner, or if the Card is damaged or malfunctioning, contact the Customer Service immediately. Only the Client has the necessary information for the Customer Service administration, considering the nature of the Card, so only the Client can proceed during the administration, so please also notify the Client of the theft, loss, damage or failure of the Card. You have to provide your Card number in order for the Customer Service to deal with your issue. Alternatively, you can arrange for the blocking of your Card at the website www.edenredkartya.hu or in the Edenred Mobile Application. To be able to do so, you have to register your card preliminarily on the www.edenredkartya.hu website.
8.3. Provided that you notified us in accordance with Section 8.2 and Section 8.4 does not apply, you will not be liable for losses incurred after the time you notified our Customer Service in accordance with the above. Before the notification, your liability for damages is limited in HUF 15,000. If there is Available Balance remaining on your Card after the notification, the Client may request the Programme Manager to replace your Card and that the last Available Balance be made available on the new Card.
8.4. If the reported event was caused by your breach of contract or your alleged conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, you will be held liable for all losses.

9.1. The following fees are charged during the use of the Card.
9.1.1. Monthly fee: the fee payable for keeping the Electronic Money available on the Card, which is charged monthly, with the proviso that if this fee cannot be charged due to lack of funds, we will attempt to deduct it on multiple occasions within the course of the month concerned.
9.1.2. Inactivity fee: charged if the Card is not used for any transactions for a period of 12 months. The Issuer may even charge the Inactivity fee retroactively after the activation of the Card, with the proviso that the 12 months of Inactivity is calculated from the date of Card Activation.
9.1.3. SCA fee: In order for completing the SCA, the Issuer sends a unique code for approving every online/electronic payment transaction in SMS. This fee is charged for the generation and sending of this unique code, unless otherwise provided, the Issuer refrains from charging the SCA fee.
9.1.4. Amenities fee: The fee payable for an ancillary service requested by the Cardholder, under which the Cardholder requests SMS notifications on the transactions.
9.1.5. ATM service fee: balance inquiry.
9.1.6. Account statement fee: charged if the Cardholder requests the postal delivery of printed account statements.
9.1.7. Account closure fee: following the lapse of 5+6 years, the Issuer shall be entitled to enforce an account closure fee up to the amount of the remaining balance.
9.1.8. Redemption fee: The fee payable for the transferring of the Electronic Money upon the Client’s request to the bank account designated by the same. We proceed in accordance with the statutory provisions upon redemption. For information in this regard, please contact our Customer Service.
9.1.9. The Issuer forgoes the monthly fee specified in Clauses 9.1.1 and 9.2. until the withdrawal of this provision.

9.2 Amount of the fees until 31/12/2021

Monthly fee Inactivity fee Amenities fee SCA fee ATM service fee Account statement fee Account closure fee Reimbursement fee
Edenred Comfort Card HUF 99/month HUF 499/month HUF 400/SMS HUF 20/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount

 

Amount of fees from 01/01/2022

Monthly fee Inactivity fee Amenities fee SCA Fee ATM service fee Account statement fee Account closure fee Reimbursement fee
Edenred Comfort Card HUF 25/month HUF 499/month HUF 400/SMS HUF 20/sms HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount

10.1. If you have reason to suspect that a Transaction for which your Card was used was unauthorised or was carried out by mistake for the Available Balance of the Card used by you, we will examine the Account and the circumstances of the Transaction, provided that you notify is within 13 months of the date of the Transaction. In this scope, we may require you to contact the relevant authorities in connection with the disputed Transaction.
10.2. If, based on the evidence available to us at the time when you report the unauthorised Transaction, we have no reasonable cause to assume that you failed to comply with the requirements of these GTC due to negligence or on purpose, or that you acted in a fraudulent manner, we will refund all unauthorised Transactions to the Card’s Available Balance.
10.3. However, if we receive information that suggests that the disputed Transaction was real, we will be entitled to deduct the value of any such Transaction from the Available Balance of the Card used by you.
10.4. We reserve the right not to refund you such amounts to your Card’s Available Balance if you acted in breach of this Contract or if you did not report any possible fraudulent claims to the competent authorities.
10.5. If you entered into an agreement pursuant to which another person operating in the European Economic Area may deduct payments from your Card (e.g. if you disclosed your Card’s data to a merchant for the purposes of payment), then – if all of the below conditions are fulfilled – you may request us to refund the payment which we will perform within 10 business days of the receipt of your request:
10.5.1. if the exact amount to be paid was not specified in the authorisation;
10.5.2. if the amount charged from your Account was higher than what you could have expected given the circumstances (e.g. based on your previous payment patterns); and
10.5.3. if you notify us regarding your refund request within 8 weeks of the date when the amount is charged from your Account.

11.1. Any complaint made in connection with these General Terms and Conditions has to be reported first to the Programme Manager via the Customer Service mentioned in Clause 18 of these GTC.
11.2. We handle all complaints in the scope of our own complaints procedure. Upon your request, we will provide you with a copy of the description of our complaints procedure.
11.3. The Belgian Deposit Guarantee Scheme (or any other deposit insurance system) shall not apply to the Card. However, we will protect your funds in the case of our insolvency.
of our insolvency.

12.1. If any part of this Cardholder GTC conflicts with any legal or regulatory requirement, then we will not effectuate that part of the Contract, and we will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If we have to make changes with respect to our operations in order that we are able to fully comply with the new legal or regulatory requirements, we will take the necessary steps as soon as reasonably practicable.
12.2. The Issuer shall be entitled to unilaterally amend the Contract without prior notification of the Client. The Issuer shall publish the amendments on its website at least 15 days prior to their entry into force, as well as a prominent notice of the amendments on the website www.edenred.hu.
12.3. The Issuer shall be entitled to amend the Contract to the disadvantage of the Client and/or the Cardholder subject to prior notice. The introduction of any Fee related to new services introduced by the Issuer shall not qualify as an amendment to the disadvantage of the Client and/or the Cardholder if the amendment is not mandatorily applicable to the Client and/or the Cardholder or if it will apply only to those Clients and Cardholders who enter into a contract following the date of the amendment.
12.4. The Issuer informs the Client and/or the Cardholder about any amendments that are adverse to the Client and/or the Cardholder prior to the entry into force of such amendments, via publishing them on the website www.edenred.hu . If the Client and/or the Cardholder does not address any objection in writing until the date of entry into force of the amendment to the Contract, then the amendments shall be deemed as expressly accepted by the Client and/or the Cardholder. The Client and/or the Cardholder shall have the right to immediately terminate the Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC.

13.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
13.2. We shall be entitled to terminate or suspend this Contract with immediate effect (and until the settlement of the issue or the termination of the Contract) in the following cases: if you have breached these Cardholder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes, if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract), or if we have reason to believe that a security issue have arisen with regard to the Card.
13.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Cardholders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
13.4. In the event of the extraordinary termination of the Contract, you will not be able to use your Available Balance any more as of the day of the termination of the Contract.
13.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the Electronic Money and the Available Balance will remain in the ownership of the Client and will not be transferred to you.
13.6. If we suspend or terminate your Account or your Card, we will immediately notify you or the Client regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where we are unable to do so due to legal or security reasons. In addition, in the case of suspension, we have to notify everyone concerned in the Transaction regarding this.

13.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
13.2. We shall be entitled to terminate or suspend this Contract with immediate effect (and until the settlement of the issue or the termination of the Contract) in the following cases: if you have breached these Cardholder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes, if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract), or if we have reason to believe that a security issue have arisen with regard to the Card.
13.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Cardholders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
13.4. In the event of the extraordinary termination of the Contract, you will not be able to use your Available Balance any more as of the day of the termination of the Contract.
13.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the Electronic Money and the Available Balance will remain in the ownership of the Client and will not be transferred to you.
13.6. If we suspend or terminate your Account or your Card, we will immediately notify you or the Client regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where we are unable to do so due to legal or security reasons. In addition, in the case of suspension, we have to notify everyone concerned in the Transaction regarding this.

15.1. The Issuer as Data Controller shall process and use the personal data required in order to provide the service under these GTC and acquired by it during the performance thereof in accordance the data protection regulations in force. The legal grounds for data processing are constituted the performance of the Contract [Article 6 (1) (b) of the GDPR].
15.2. Summary table of the Issuer’s and Programme Manager’s processing of personal data:

Summary of the processing of data concerning the Edenred Card Service provided by the Issuer to
the Cardholder
Data Controller Issuer
The purposes of the processing Performance of Services specified in the Cardholder GTC
Legal basis of data processing The performance of the Contract concluded between the Issuer and the Cardholder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s forename; date of birth; permanent residence (postal code, town, street, number); mailing address if other than residence (postal code, town, street, number); Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial no. of card; habitual residence in Hungary if Data Subject is a foreigner; account history; workplace of the Data Subject; Data Subject’s account number
Term of data processing Total duration of the service and 6 years following its termination (until the limitation period of the possible claims concerning the Service)
Processors Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci Út 45.)
purpose of data processing: operation of systems and provision of support in relation to the provision of the Edenred Card ServiceProgramming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania),
purpose of data processing: supply of software supporting services related to the Card, IT supportIdemia Hungary Kft. (registered office: Tó-Park, lot nr.: 3301/21., H-2045 Törökbálint, Tópark utca, Hungary),
purpose of data processing: manufacturing of cards;

Y-Collective Kft. (registered office: H-7628 Pécs, Arany János u. 24., Hungary),
purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA),
purpose of data processing: sending of information e-mails concerning the Edenred Card Service (system messages, amendment of the GTC, update of the mobile application)

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

Summary of the processing of data related to the Programme Manager’s marketing and advertising
activity
Data Controller The Programme Manager is the Data Controller in relation to the data
processing related to the Programme Manager’s marketing and advertising activity.
The purposes of the processing Sending marketing and advertising messages to the Cardholder
Legal grounds for data processing The Data Subject’s consent [Article 6 (1) (b) of the GDPR and Section 6(1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities].
The consent may be withdrawn at any time.
Scope of the processed data Data Subject’s surname; Data Subject’s forename; Data Subject’s email address; Data Subject’s mobile phone number
Term of data processing Until the consent is withdrawn
Processors Y-Shift Kft. (head office: H–7636 Pécs Neumann János utca 24., Hungary) purpose of data processing: data processing for advertising purposes

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA) purpose of data processing: data processing for advertising purposes – sending of newsletters

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

15.3. The Cardholder may contact the Programme Manager in order to ensure the enforcement of his rights with regard to the processing of his personal data by sending an electronic mail to either of the adatkezeles-hu@edenred.com dpo.hungary@edenred.com e-mail addresses.

16.1. If we do not exercise or delay with exercising any right or legal remedy set out in this Contract, this shall not be considered as a waiver of that right or legal remedy or the exclusion of the later exercising of such right or legal remedy.
16.2. If any provision of this Contract is deemed unenforceable or illegal, this shall have no effect on the remaining provisions, provided that the unenforceable or illegal provision is not an essential part of the Terms.
16.3. You may not assign or transfer your rights and/or benefits arising from these General Terms and Conditions. Your liability will continue until all Cards given into your use are cancelled or expired, and all amounts payable under these GTC are paid by you and/or the Client. We may assign our rights and benefits at any time without notifying you and/or the Client preliminarily in writing. We may subcontract any of our obligations arising from these GTC.
16.4. No third party that is not a party to these GTC shall have the right to enforce the provisions of these GTC, with the exception that Mastercard International Incorporated and its relevant affiliated companies shall be entitled to enforce any provision of this Contract that provides them any benefit or right, and the (legal) entities specified in Clause 14.4 shall be entitled to enforce the contents of Clause 14.
16.5. This Contract is governed by the Belgian law, and you consent to the non-exclusive jurisdiction and competence of the courts of Belgium. This provision is for your benefit and does not restrict your right to initiate proceedings at the courts specified in Section 624, points 1°, 2° and 4° of the Belgian Courts Act.
16.6. In accordance with Articles VII.5 and VII.29 of Book VII of the Belgian Code of Economic Law, you explicitly agree that Articles VII.30 § 1, VII.32 § 3, VII.42, VII.44, VII.46, VII.47, VII.50, VII.55/3, VII.55/4, VII.55/5 and VII.55/7 of the Belgian Code of Economic Law and the time limitations set out in Article VII.41 of Book VII of the same shall not be applicable.

17.1. The language of the Contract is the Hungarian.
17.2. The Issuer provides the Cardholder who initiated the establishment of the Contract with information about the GTC and the fees, as well as any modifications or amendments made to these by disclosure on the website www.edenred.hu.
17.3. The Parties agree that the Transactions executed with the Card will be available at the website www.edenredkartya.hu or via the Edenred Mobile Application. The Issuer shall, upon request, provide the Cardholder with a statement of account on a durable medium (by e-mail) for a fee.
17.4. The Cardholder can obtain information about the amount of the Electronic Money available on the Card given into his use at any time by visiting the website www.edenredkartya.hu or via the Edenred Mobile Application.
17.5. The Cardholder expressly agrees that, during the term of the Contract, the communication between him and the Issuer and the Programme Manager will take place by telephone.
17.6. The Issuer and the Programme Manager will send the notifications and statements to the Cardholder’s e-mail address entered during the course of the Cardholder’s registration at the website www.edenredkartya.hu. The Issuer and the Programme Manager shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Cardholder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Cardholder has no longer access to the entered e-mail address.
17.7. The Cardholder can communicate with the Issuer via the Customer Service.

18.1. If you need help or wish to report that your Card has been lost or stolen, call our Customer Service at the number
+36 1 382 4000 in the business hours available on the website www.edenred.hu, or contact us by using the online interface also available on www.edenred.hu.
18.2. Lost or stolen Cards may be reported on the website www.edenredkartya.hu or the mobile application available for Android and iOS 24 hours a day. Also here, you can use the function designed for the case where you forget your PIN code 24 hours a day.
18.3. Available Balance inquiry and Card Blocking are available to Cardholders 24 hours a day via the +36 1 382 4000 phone number, the www.edenredkartya.hu website or the mobile application available for Android and iOS 24 hours a day.
18.4. If you have any difficulties using the Card, please contact our Customer Service or the Client.

Cardholder GTC – Edenred Comfort Card

Effective from 1 November 2021

Please read these GTC carefully before using your card. The below information sets out the General Terms and Conditions (GTC) pertaining to the Card used by you, and regulates the legal relationship between you and the Issuer. Terms like “we”, “us”, “our” and similar terms refer to the Issuer. By using the Card, you accept the conditions set out in these GTC. With respect to matters relating to the interpretation of the GTC, or if you do not agree to any provision thereof, please contact our Customer Service at any of the contacts set out in Clause 18 of the GTC.

I. Definitions

Activation: the operation executed via phone call at the Costumer Service, at the website www.edenredkartya.hu or by using the Edenred Mobile Application available on IOS and Android, during which the Cardholder activates the Card issued to him.
Fee: the fees and costs encumbering the Client in relation to the Card, as set out in Clause 9 of the GTC.
Edenred Acceptance Mark: the logo of Edenred, indicating that the Card is accepted at the place where it is displayed. Edenred Mobile Application: the Programme Manager’s Edenred Mobile application which enables the Cardholders to activate the Card and register their Edenred Cards electronically, as well as to trace their personal expenses.
Electronic money: the amount embodied by the claim against the issuer of the electronic money that is stored electronically – including magnetic storing –, issued against the receipt of funds for the purpose of performing payment operations provided in the Act on the Pursuit of the Business of Payment Services and, beyond the issuer of the electronic money, also accepted by other natural and legal persons, economic entities without legal personality and individual entrepreneurs. The electronic money qualifies as a non-cash means of payment.
Authorised Account Information Provider: a third-party payment service provider authorised by the competent Supervisory Body to provide Account Information Service to you with your explicit consent, based on a separate agreement concluded by you and such payment service provider.
Strong Customer Authentication or SCA: Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market (the so-called “PSD2 Directive”) sets out the requirement of strong customer authentication, the purpose of which, among other things, is to make online/electronic payment transactions more secure. The SCA is an additional security measure that checks whether you really confirmed the Transaction or other action related to the use of the Card and/or Account. In this scope, every Card Holder must provide his or her phone number, to which the Service Provider will send a unique code at the time of initiation of each online/electronic payment operation, which code the Card Holder has to enter into the appropriate online interface in order to confirm the online/electronic payment transaction.
Contactless Payment: a method of payment enabling Cardholders to pay by touching the Card to the scanner of the POS terminal. No PIN code is required for transactions not exceeding the transaction limit set forth in the legislation.
HUF: Hungarian forint, the official currency of Hungary.
Supervisory Body: The National Bank of Belgium in Belgium, or another supervisory body supervising other European payment service providers.
Inactivity: if the Card is not used for any transactions for a period of 12 months.
Card: any and all Cards issued to you under this Contract according to the Client GTC and the EMPS Agreement. The Comfort Card is a:
– disposable card: the Card cannot be reloaded, it can be used up to one-time balance or until expiry
– non-personalized card: the Card does not bear the Cardholder’s name, and in Edenred systems the Card cannot be assigned to the Cardholder.
Card Number: the 16-digit card number found on the front side of your Card.
Cardholder or You: the natural person deemed by the Client eligible for using the Card.
Issuer: PPS EU SA, a company registered in Belgium under the number 0712.775.202 (1160 Brussels, boulevard du Souverain 165 boîte 9, Belgium). PPS EU is operating under the supervision of the National Bank of Belgium and has been authorised by the same to issue electronic money and provide payment services.
Mastercard Acceptance Mark: the logo of Mastercard International Incorporated, indicating that the Card is accepted at the place where it is displayed.
Mastercard International Incorporated: Mastercard International Incorporated, a business entity with its registered office located at 2000 Purchase Street, Purchase, New York 10577 USA.
Participating Vendor or Participating Business is an entity accepting Edenred Cards from the Cardholders in the case of the sale of products or the provision of services, and where the Programme Manager made accepting the Cards technically available, and who placed out the Mastercard or Edenred Acceptance Mark.
PIN: personal identification number, PIN code.
POS: point of sale.
Programme: the Benefits Card Programme, in the scope of which we provide you the Card for use.
Programme Manager: Edenred’s Hungarian subsidiary, a company established in Hungary under the name: Edenred Magyarország Kft.; registered office: H-1134 Budapest, Váci út 45.), the Issuer’s payment intermediary.
Available Balance: value of the funds available on your Card for use.
Account: the function recording the amount of money available and assigned to your Card (not a deposit, savings or other bank account).
Account Information Service: an online service providing aggregate information to you regarding your accounts held at one or more payment service providers (e.g. banks).
Contract: these Cardholder GTC, as amended from time to time.
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes.
Transaction: all POS and online commercial sales carried out with your Card.
Client: the Cardholder’s employer or business partner with whom the Programme Manager and the Issuer has entered into a contract under which the Card has been manufactured.
Customer Service: the contact centre dealing with inquiries and requests for services in connection with your Card. The Cardholder shall obtain customer service information on the Comfort Card primarily through the Cardholder Information Line at +36 1 382 4000. The contact details of the Customer Service are set out in Clause 18 of these GTC. www.edenredkartya.hu website, MyAccount: the interface on the Website where – following registration – you can access your own Account and view your Available Balance and transaction history online. You can find up-to-date information about your account at the website www.edenredkartya.hu. You need Internet connection to access the website. www.edenred.hu: Edenred’s website, where these GTC and the Data Processing Policy are available.

II. General provisions

2.1. Your Card is a card credited with Electronic Money, but the Card cannot be reloaded. It is not a credit or debit card. The Available Balance does not earn interest and may not be used for savings, but for payment, and only in accordance with the conditions set out in this Contract and the effective Client GTC available on the website www.edenred.hu and the EMPS Agreement in all cases.
2.2. Your Card was issued by the Issuer based on the permission of Mastercard International Incorporated. This Card
is an Electronic Money product. The Electronic Money associated with this Card is provided by the Issuer. The Issuer’s electronic money issuing activity and payment services are regulated by the National Bank of Belgium. Your rights and obligations with respect to the use of the Card are regulated by this Contract concluded between You and the Issuer; You have no legal relationship whatsoever with Mastercard International or its affiliated companies. If you detect an issue in connection with the use of the Card, please contact the Customer Service or the Client. Crediting amounts to the Card is carried out based on the Client’s order, in HUF, with the terms and conditions provided in this document and the Client GTC. Your right to use the Card comes from the Client, and is only valid to the extent of the Electronic Money deposited on your Edenred Card. All rights related to Electronic Money (including its ownership) shall remain with the Client. The Card will remain in the Issuer’s ownership.
2.3. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. We undertake to carry out all correspondences with you in matters concerning your Card or Account using the Hungarian language.

2.4. For verification and security purposes, such as the application of Strong Customer Authentication measures, we are required to collect certain personal information from you including your mobile phone number. We will pass this data to our third party service providers as required for the administration of Strong Customer Authentication measures.

III. Receipt and activation of your card

3.1. You have to sign your Card immediately after receiving it.
3.2. The card can only be used after activation. Upon Activation, please proceed as instructed in the information document attached to the Card received. No liability is borne by the Issuer and the Programme Manager for the failure to sign and/or activate the Card.
3.3. Card Activation can be done by the Cardholder in the Activation menu of the Cardholder Information Line (+36 1 382 4000). After Activating the Card, you will receive a 4-digit PIN code. Always keep your PIN code safe, do not disclose it to anyone and ensure that it is not readable by anyone when you enter it. We will not disclose your PIN code to third parties. If you forget your PIN code, please call our Customer Service or visit the website www.edenredkartya.hu or open the Edenred Mobile Application and choose the option to view your PIN code.
3.4. If you register your Card on www.edenredkartya.hu or in the Edenred Mobile Application, you can use the online services available through your account. During registration, you will need to provide your personal information and contact details (eg name, e-mail address, mobile phone number), ie the Card will be “personalized”.
3.5. If you wish, you may use an Authorised Account Information Provider to provide Account Information Service for you regarding your Card. Prior to engaging an Authorised Account Information Provider, we recommend you check whether the Supervisory Body authorised it to provide Account Information Service. You have to explicitly consent to the sharing of or share your Account data with the Authorised Account Information Provider on every occasion when it has to access the Account in order to provide Account Information Service for you. Please, always consider the consequences of sharing your Account or personal data.
3.6. When an Authorised Account Information Provider requests access to your Account using the Account data in order to provide Account Information Service to you, we will assume that you have given your authorisation for this. Please note that we are obliged to provide access to your Account if the Authorised Account Information Provider requests this, and we may only deny this in specific cases.
3.7. If we deny access to your Account from the Authorised Account Information Provider, we will inform you immediately after the refusal regarding the reason thereof, except where we are not allowed to do so due to legal or security reasons.

IV. Using the card

4.1. The Card may only be used by Participating Vendors who have a contractual relationship with the Programme Manager: https://komfort.edenred.hu/. The enabled products and services for the Card are specified in Clause 4.8. The Programme Manager accepts no liability for cases when the card company classification of the terminals in the stores or store chains is different from what is expected or for any incidental changes in the classification of the stores. The balance of electronic money available with regard to the Card may only be used for the partial or full settlement of the consideration paid for the scope of products and services indicated on that Card. The Issuer and the Programme Manager shall not be responsible for the misuse of the Card. Your Card and the Available Balance associated with it may be used only for Transactions executed in HUF, excluding redemption or conversion to cash or scriptural money.
4.2. The Client may load your Card once, meaning that the balance assigned to the Card cannot be reloaded. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on your Card. You will not be able to use your Card after its expiry date or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed with a higher amount than the Available Balance on your Card, you shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds your Available Balance within 14 days of the receipt of the invoice from the Issuer. If you fail to pay the amount within 14 days of the receipt of the invoice from the Issuer, the Issuer shall be entitled to take all measures necessary for the collection of the outstanding amount, including legal action and the suspension of the further use of the card.
4.3. You can authenticate the Transactions to be carried out at the Participating Vendors by providing your PIN or – in the case of online Transactions – CVC code in each case. In the event of contactless transactions up to the amount set forth in the legislation, no PIN code is required for the authentication. You are responsible for all Transactions that you authenticate. A transaction can also be authorised by tapping the Card against a Contactless enabled reader. A transaction can also be authorised by tapping the Card against a Contactless enabled reader. You can make 5 consecutive Contactless transactions after which any Contactless transactions will be declined and you will be required to enter your PIN to authorise the transaction. Please keep in mind that, as a general rule, it is not possible to stop a Transaction once approved and received by the Issuer. The Issuer may reject Transactions if it finds them to be conflicting with the provisions of these GTC or be violiating the law (e.g. Transactions carried out with a stolen Card).
4.4. The Cardholder can query his Available Balance at any time via the Cardholder Information Line (+36 1 382 4000) or after registering online at the website www.edenredkartya.hu or in the Edenred Mobile Application.
4.5. For security reasons, the Participating Vendors accepting your Card shall request authorisation via a POS or VPOS terminal from the Issuer for your Transactions. In some cases, a Participating Vendor may require that your Available Balance be higher than the value of the Transaction you intend to carry out. You will only be charged for the actual and final amount of the Transaction carried out. Merchants request this if they may require a larger amount of funds than which you wished to spend originally. For example:
4.5.1. Hotels and car rental: As Participating Vendors are not able to determine the amount of your final invoice preliminarily, they may request authorisation to deduct an amount of funds exceeding your Available Balance.
4.5.2. Participating Vendors on the Internet: Certain participating internet websites may send you a request for payment authorisation at the time of registration or the payment step in order to check availability of the funds; this may impact your Available Balance temporarily. Please note also that some websites do not charge the amount to be paid until the delivery of the goods. When viewing your Available Balance, please take into consideration such possible changes of the funds available and determine based on that whether there is a sufficient amount on your Card to cover your purchases. The Card cannot be used for online payments where the currency of settlement is not HUF.
4.6. Using 3D Secure
4.6.1. 3D Secure is a payment authentication standard for internet purchases which adds an extra layer of security when purchasing goods or services online with participating retailers. It is a form of Strong Customer Authentication. To enhance the safety of online payments, you will increasingly need to use 3D Secure to confirm it’s you when you make payments online.
4.6.2. To use 3D Secure:
– you must have internet access;
– you must have a mobile phone;
– we must have your correct mobile phone number;
– your mobile phone must be able to receive text messages.
It is important that you ensure that the personal information we hold for you (in particular your mobile phone number) is up-to-date. You can do this by logging in to your MyEdenred Account choosing Edit profile.
4.6.3. When making a purchase online for which authentication is required, you will be brought to a 3D Secure verification screen.
4.6.4. You’ll be prompted to enter an one-time passcode (passcode) sent to your mobile phone by text message (SMS) to complete your purchase. You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly, you will be unable to complete your online purchase.
4.6.5. The passcode will only be valid for the online purchase you have received it for.
4.6.6. We will deem any transaction authenticated using 3D Secure as having been authorised by you.
4.6.7. You will be charged for each transaction made using 3D Secure in accordance with the fee indicated in the 9.2. point of these GTC. You are responsible for any SMS fees charged to you by your mobile phone provider.
4.7. The Card cannot be used for the verification of identity.
4.8. The scope of services available with the Card: the Card may be used to access specified products and services at contracted partners.
4.9. You may not use your Card to redeem traveller’s cheques, for exchanging money, to have cash refunded from Participating Vendors or settle outstanding amounts in connection with credit cards, bank overdrafts or loan agreements, gambling, dating or escort services, or at automatic fuel stations and fuel sellers.
4.10. The Available Balance on your Account does not earn interest.

V. Crediting of the card

5.1. You cannot credit funds to your Card. Only the Client shall be entitled to credit funds once to the Card through the Issuer.

VI. Expiry date of the card

6.1. The expiry date of your Card is printed on the Card’s front side. You will not be able to use your card after the expiry date.
6.2. After the expiry of the Card the Issuer will irreversibly block the Cards belonging to the Client and recorded in its system. The Client may request the redemption of the Electronic Money for a period of 6 years following the expiry date of the Card.
6.3. Pursuant to Clause 2.2, after the expiry of the Card, any Available Balance remaining on your Card and all statutory rights relating to the electronic money will remain in the Client’s ownership and will not be transferred to you.
6.4. With regard to the Card, the Issuer may charge an inactivity fee specified in Clause 9 after 12 months of Inactivity. The Issuer shall be entitled to charge the Inactivity Fee to the Cardholder retroactively after the conclusion of the Contract.

VII. Cardholder's liability; authentications

7.1. We may restrict or deny the authentication of your Card if the Card is or may be used in breach of this Contract, or if we can suspect on reasonable grounds that you or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
7.2. If we have to investigate a Transaction carried out with the Card, you are obliged to cooperate with us or – if necessary – any other official body.
7.3. Never:
7.3.1. let anyone else use your Card, or get access to it in any way;
7.3.2. write your PIN code, CVC number, password or any other security information related to the Card, the Account or the Website identification data on your Card or anywhere else;
7.3.3. disclose or otherwise make available your PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise;
7.3.4. share with or otherwise make accessible to third parties the Card, the Account or the Website access data, except if that third party is an Authorised Account Information Provider, and you wish to use its Account Information Service.
7.4. You are responsible for any Transaction that you authenticated via your signature, PIN code, CVC code or SCA, or where in the event of contactless transactions, you are unable to prove that no third person could access your Card.
7.5. You agree to hold harmless and indemnify us, our partners and any company belonging to the same company group as the above with regard to the expenses incurred by any legal action initiated in order to enforce these GTC, any breach of these GTC and/or the fraudulent use of your Card by you or authenticated by you.
7.6. The Cardholder may immediately – but not later than the day of the thirteenth month following the execution of the Transaction corresponding to the date of debiting the Card – initiate the rectification of the unapproved payment transactions or those approved but incorrectly executed. If the month of expiry does not contain the calendar day corresponding to the Date of Debiting, then the time limit for such rectification shall be the last day of the month.
7.7. The Cardholder expressly acknowledges and agrees that the Participating Business and/or the Cardholder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Manager or the Issuer shall not have any liability in this regard.
7.8. If any reimbursement becomes necessary for the Cardholder under the legal relationship established between the Participating Business and the Cardholder, then – upon the written request of the Participating Vendor or the Cardholder and following the identification of the transaction – the Issuer and the Programme Manager execute the crediting, provided that if the payment for the Participating Business has already been executed, then it credits the amount to be reimbursed to the Cardholder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
7.9. The Cardholder expressly acknowledges and agrees that the cancellation/modification of the Transaction or the restoration of the original state may be initiated on real grounds and along with the Participating Business only, in the form of a jointly submitted unanimous declaration.
7.10. The Cardholder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Business – as well as the related request and the resulting enforcement of claims – may not serve as a basis for offsetting upon settlement with the Programme Manager or the Issuer, thus on no legal grounds may the claims between the Participating Business and the Cardholder be enforced against the Programme Manager or the Issuer, who expressly and fully exclude any such liability.

VIII. Lost, stolen or damaged cards

8.1. You have to handle the Electronic Money on the Card in the same manner as the cash in your wallet. If you lose your Card or if it is stolen, the amount on it may be lost just as if it had been in your wallet.
8.2. In the event of loss, theft, fraud or any other threat that involves the risk that the Card may be used in an unauthorised manner, or if the Card is damaged or malfunctioning, contact the Customer Service immediately. Only the Client has the necessary information for the Customer Service administration, considering the nature of the Card, so only the Client can proceed during the administration, so please also notify the Client of the theft, loss, damage or failure of the Card. You have to provide your Card number in order for the Customer Service to deal with your issue. Alternatively, you can arrange for the blocking of your Card at the website www.edenredkartya.hu or in the Edenred Mobile Application. To be able to do so, you have to register your card preliminarily on the www.edenredkartya.hu website.
8.3. Provided that you notified us in accordance with Section 8.2 and Section 8.4 does not apply, you will not be liable for losses incurred after the time you notified our Customer Service in accordance with the above. Before the notification, your liability for damages is limited in HUF 15,000. If there is Available Balance remaining on your Card after the notification, the Client may request the Programme Manager to replace your Card and that the last Available Balance be made available on the new Card.
8.4. If the reported event was caused by your breach of contract or your alleged conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, you will be held liable for all losses.

IX. Fees

9.1. The following fees are charged during the use of the Card.
9.1.1. Monthly fee: the fee payable for keeping the Electronic Money available on the Card, which is charged monthly, with the proviso that if this fee cannot be charged due to lack of funds, we will attempt to deduct it on multiple occasions within the course of the month concerned.
9.1.2. Inactivity fee: charged if the Card is not used for any transactions for a period of 12 months. The Issuer may even charge the Inactivity fee retroactively after the activation of the Card, with the proviso that the 12 months of Inactivity is calculated from the date of Card Activation.
9.1.3. SCA fee: In order for completing the SCA, the Issuer sends a unique code for approving every online/electronic payment transaction in SMS. This fee is charged for the generation and sending of this unique code, unless otherwise provided, the Issuer refrains from charging the SCA fee.
9.1.4. Amenities fee: The fee payable for an ancillary service requested by the Cardholder, under which the Cardholder requests SMS notifications on the transactions.
9.1.5. ATM service fee: balance inquiry.
9.1.6. Account statement fee: charged if the Cardholder requests the postal delivery of printed account statements.
9.1.7. Account closure fee: following the lapse of 5+6 years, the Issuer shall be entitled to enforce an account closure fee up to the amount of the remaining balance.
9.1.8. Redemption fee: The fee payable for the transferring of the Electronic Money upon the Client’s request to the bank account designated by the same. We proceed in accordance with the statutory provisions upon redemption. For information in this regard, please contact our Customer Service.
9.1.9. The Issuer forgoes the monthly fee specified in Clauses 9.1.1 and 9.2. until the withdrawal of this provision.

9.2 Amount of the fees until 31/12/2021

Monthly fee Inactivity fee Amenities fee SCA fee ATM service fee Account statement fee Account closure fee Reimbursement fee
Edenred Comfort Card HUF 99/month HUF 499/month HUF 400/SMS HUF 20/SMS HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount

 

Amount of fees from 01/01/2022

Monthly fee Inactivity fee Amenities fee SCA Fee ATM service fee Account statement fee Account closure fee Reimbursement fee
Edenred Comfort Card HUF 25/month HUF 499/month HUF 400/SMS HUF 20/sms HUF 100/transaction HUF 500 up to the amount of the remaining balance 6% of the transferred amount

X. Disputed matters

10.1. If you have reason to suspect that a Transaction for which your Card was used was unauthorised or was carried out by mistake for the Available Balance of the Card used by you, we will examine the Account and the circumstances of the Transaction, provided that you notify is within 13 months of the date of the Transaction. In this scope, we may require you to contact the relevant authorities in connection with the disputed Transaction.
10.2. If, based on the evidence available to us at the time when you report the unauthorised Transaction, we have no reasonable cause to assume that you failed to comply with the requirements of these GTC due to negligence or on purpose, or that you acted in a fraudulent manner, we will refund all unauthorised Transactions to the Card’s Available Balance.
10.3. However, if we receive information that suggests that the disputed Transaction was real, we will be entitled to deduct the value of any such Transaction from the Available Balance of the Card used by you.
10.4. We reserve the right not to refund you such amounts to your Card’s Available Balance if you acted in breach of this Contract or if you did not report any possible fraudulent claims to the competent authorities.
10.5. If you entered into an agreement pursuant to which another person operating in the European Economic Area may deduct payments from your Card (e.g. if you disclosed your Card’s data to a merchant for the purposes of payment), then – if all of the below conditions are fulfilled – you may request us to refund the payment which we will perform within 10 business days of the receipt of your request:
10.5.1. if the exact amount to be paid was not specified in the authorisation;
10.5.2. if the amount charged from your Account was higher than what you could have expected given the circumstances (e.g. based on your previous payment patterns); and
10.5.3. if you notify us regarding your refund request within 8 weeks of the date when the amount is charged from your Account.

XI. Complaints

11.1. Any complaint made in connection with these General Terms and Conditions has to be reported first to the Programme Manager via the Customer Service mentioned in Clause 18 of these GTC.
11.2. We handle all complaints in the scope of our own complaints procedure. Upon your request, we will provide you with a copy of the description of our complaints procedure.
11.3. The Belgian Deposit Guarantee Scheme (or any other deposit insurance system) shall not apply to the Card. However, we will protect your funds in the case of our insolvency.
of our insolvency.

XII. Amendments

12.1. If any part of this Cardholder GTC conflicts with any legal or regulatory requirement, then we will not effectuate that part of the Contract, and we will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If we have to make changes with respect to our operations in order that we are able to fully comply with the new legal or regulatory requirements, we will take the necessary steps as soon as reasonably practicable.
12.2. The Issuer shall be entitled to unilaterally amend the Contract without prior notification of the Client. The Issuer shall publish the amendments on its website at least 15 days prior to their entry into force, as well as a prominent notice of the amendments on the website www.edenred.hu.
12.3. The Issuer shall be entitled to amend the Contract to the disadvantage of the Client and/or the Cardholder subject to prior notice. The introduction of any Fee related to new services introduced by the Issuer shall not qualify as an amendment to the disadvantage of the Client and/or the Cardholder if the amendment is not mandatorily applicable to the Client and/or the Cardholder or if it will apply only to those Clients and Cardholders who enter into a contract following the date of the amendment.
12.4. The Issuer informs the Client and/or the Cardholder about any amendments that are adverse to the Client and/or the Cardholder prior to the entry into force of such amendments, via publishing them on the website www.edenred.hu . If the Client and/or the Cardholder does not address any objection in writing until the date of entry into force of the amendment to the Contract, then the amendments shall be deemed as expressly accepted by the Client and/or the Cardholder. The Client and/or the Cardholder shall have the right to immediately terminate the Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC.

XIII. Termination and suspension

13.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
13.2. We shall be entitled to terminate or suspend this Contract with immediate effect (and until the settlement of the issue or the termination of the Contract) in the following cases: if you have breached these Cardholder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes, if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract), or if we have reason to believe that a security issue have arisen with regard to the Card.
13.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Cardholders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
13.4. In the event of the extraordinary termination of the Contract, you will not be able to use your Available Balance any more as of the day of the termination of the Contract.
13.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the Electronic Money and the Available Balance will remain in the ownership of the Client and will not be transferred to you.
13.6. If we suspend or terminate your Account or your Card, we will immediately notify you or the Client regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where we are unable to do so due to legal or security reasons. In addition, in the case of suspension, we have to notify everyone concerned in the Transaction regarding this.

XIV. The programme manager's and the issuer's liability

13.1. If you are not entitled to use the Card any more for any reason, the Card will be blocked immediately and you will not be able to use the Available Balance any more.
13.2. We shall be entitled to terminate or suspend this Contract with immediate effect (and until the settlement of the issue or the termination of the Contract) in the following cases: if you have breached these Cardholder GTC, used or intended to use the Card in an attributable, fraudulent manner or for illegal purposes, if we are unable to continue processing your Transactions due to the proceedings of third parties (extraordinary termination of contract), or if we have reason to believe that a security issue have arisen with regard to the Card.
13.3. Following the ordinary termination of the contract entered with the Client, the Issuer continues to ensure that the amount available to the Cardholders, credited prior to the termination of the legal relationship may be used until the date of expiry of the Card.
13.4. In the event of the extraordinary termination of the Contract, you will not be able to use your Available Balance any more as of the day of the termination of the Contract.
13.5. If in any of the above cases of termination or if you are not entitled to use the Card any more, all legal rights connected to the Electronic Money and the Available Balance will remain in the ownership of the Client and will not be transferred to you.
13.6. If we suspend or terminate your Account or your Card, we will immediately notify you or the Client regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where we are unable to do so due to legal or security reasons. In addition, in the case of suspension, we have to notify everyone concerned in the Transaction regarding this.

XV. Processing of personal data / your data

15.1. The Issuer as Data Controller shall process and use the personal data required in order to provide the service under these GTC and acquired by it during the performance thereof in accordance the data protection regulations in force. The legal grounds for data processing are constituted the performance of the Contract [Article 6 (1) (b) of the GDPR].
15.2. Summary table of the Issuer’s and Programme Manager’s processing of personal data:

Summary of the processing of data concerning the Edenred Card Service provided by the Issuer to
the Cardholder
Data Controller Issuer
The purposes of the processing Performance of Services specified in the Cardholder GTC
Legal basis of data processing The performance of the Contract concluded between the Issuer and the Cardholder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s forename; date of birth; permanent residence (postal code, town, street, number); mailing address if other than residence (postal code, town, street, number); Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial no. of card; habitual residence in Hungary if Data Subject is a foreigner; account history; workplace of the Data Subject; Data Subject’s account number
Term of data processing Total duration of the service and 6 years following its termination (until the limitation period of the possible claims concerning the Service)
Processors Edenred Magyarország Kft.: (registered office: H-1134 Budapest, Váci Út 45.)
purpose of data processing: operation of systems and provision of support in relation to the provision of the Edenred Card ServiceProgramming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania),
purpose of data processing: supply of software supporting services related to the Card, IT supportIdemia Hungary Kft. (registered office: Tó-Park, lot nr.: 3301/21., H-2045 Törökbálint, Tópark utca, Hungary),
purpose of data processing: manufacturing of cards;

Y-Collective Kft. (registered office: H-7628 Pécs, Arany János u. 24., Hungary),
purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA),
purpose of data processing: sending of information e-mails concerning the Edenred Card Service (system messages, amendment of the GTC, update of the mobile application)

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

Summary of the processing of data related to the Programme Manager’s marketing and advertising
activity
Data Controller The Programme Manager is the Data Controller in relation to the data
processing related to the Programme Manager’s marketing and advertising activity.
The purposes of the processing Sending marketing and advertising messages to the Cardholder
Legal grounds for data processing The Data Subject’s consent [Article 6 (1) (b) of the GDPR and Section 6(1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities].
The consent may be withdrawn at any time.
Scope of the processed data Data Subject’s surname; Data Subject’s forename; Data Subject’s email address; Data Subject’s mobile phone number
Term of data processing Until the consent is withdrawn
Processors Y-Shift Kft. (head office: H–7636 Pécs Neumann János utca 24., Hungary) purpose of data processing: data processing for advertising purposes

The Rocket Science Group LLC d/b/a MailChimp (registered office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA) purpose of data processing: data processing for advertising purposes – sending of newsletters

The summaries only serve the purpose of convenience, please read the full Privacy Note made available at the website www.edenred.hu

15.3. The Cardholder may contact the Programme Manager in order to ensure the enforcement of his rights with regard to the processing of his personal data by sending an electronic mail to either of the adatkezeles-hu@edenred.com dpo.hungary@edenred.com e-mail addresses.

XVI. General provisions

16.1. If we do not exercise or delay with exercising any right or legal remedy set out in this Contract, this shall not be considered as a waiver of that right or legal remedy or the exclusion of the later exercising of such right or legal remedy.
16.2. If any provision of this Contract is deemed unenforceable or illegal, this shall have no effect on the remaining provisions, provided that the unenforceable or illegal provision is not an essential part of the Terms.
16.3. You may not assign or transfer your rights and/or benefits arising from these General Terms and Conditions. Your liability will continue until all Cards given into your use are cancelled or expired, and all amounts payable under these GTC are paid by you and/or the Client. We may assign our rights and benefits at any time without notifying you and/or the Client preliminarily in writing. We may subcontract any of our obligations arising from these GTC.
16.4. No third party that is not a party to these GTC shall have the right to enforce the provisions of these GTC, with the exception that Mastercard International Incorporated and its relevant affiliated companies shall be entitled to enforce any provision of this Contract that provides them any benefit or right, and the (legal) entities specified in Clause 14.4 shall be entitled to enforce the contents of Clause 14.
16.5. This Contract is governed by the Belgian law, and you consent to the non-exclusive jurisdiction and competence of the courts of Belgium. This provision is for your benefit and does not restrict your right to initiate proceedings at the courts specified in Section 624, points 1°, 2° and 4° of the Belgian Courts Act.
16.6. In accordance with Articles VII.5 and VII.29 of Book VII of the Belgian Code of Economic Law, you explicitly agree that Articles VII.30 § 1, VII.32 § 3, VII.42, VII.44, VII.46, VII.47, VII.50, VII.55/3, VII.55/4, VII.55/5 and VII.55/7 of the Belgian Code of Economic Law and the time limitations set out in Article VII.41 of Book VII of the same shall not be applicable.

XVII. Provision of information and communication

17.1. The language of the Contract is the Hungarian.
17.2. The Issuer provides the Cardholder who initiated the establishment of the Contract with information about the GTC and the fees, as well as any modifications or amendments made to these by disclosure on the website www.edenred.hu.
17.3. The Parties agree that the Transactions executed with the Card will be available at the website www.edenredkartya.hu or via the Edenred Mobile Application. The Issuer shall, upon request, provide the Cardholder with a statement of account on a durable medium (by e-mail) for a fee.
17.4. The Cardholder can obtain information about the amount of the Electronic Money available on the Card given into his use at any time by visiting the website www.edenredkartya.hu or via the Edenred Mobile Application.
17.5. The Cardholder expressly agrees that, during the term of the Contract, the communication between him and the Issuer and the Programme Manager will take place by telephone.
17.6. The Issuer and the Programme Manager will send the notifications and statements to the Cardholder’s e-mail address entered during the course of the Cardholder’s registration at the website www.edenredkartya.hu. The Issuer and the Programme Manager shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Cardholder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Cardholder has no longer access to the entered e-mail address.
17.7. The Cardholder can communicate with the Issuer via the Customer Service.

XVIII. Contacts of the customer service

18.1. If you need help or wish to report that your Card has been lost or stolen, call our Customer Service at the number
+36 1 382 4000 in the business hours available on the website www.edenred.hu, or contact us by using the online interface also available on www.edenred.hu.
18.2. Lost or stolen Cards may be reported on the website www.edenredkartya.hu or the mobile application available for Android and iOS 24 hours a day. Also here, you can use the function designed for the case where you forget your PIN code 24 hours a day.
18.3. Available Balance inquiry and Card Blocking are available to Cardholders 24 hours a day via the +36 1 382 4000 phone number, the www.edenredkartya.hu website or the mobile application available for Android and iOS 24 hours a day.
18.4. If you have any difficulties using the Card, please contact our Customer Service or the Client.