Privacy

Effective from 26 January 2022

The below information set out the General Terms and Conditions (GTC) concerning the Edenred Ticket Restaurant SZÉP Card used by the Card Holder and regulate the legal relationship of the Card Holder and the Issuer. The conditions set out in the present GTC are accepted by the Card Holder at the time of conclusion of the contract.

Activation: the operation executed at the website www.edenredkartya.hu or by using the Edenred Card-Pro Mobile Application available on IOS and Android, during which the Card Holder can perform the process required for using the Card issued to the Card Holder.
Application: The Edenred Pro application, which is a mobile application that can be downloaded from Google Play and Apple Store, and which is used for online customer service.
Transfer: a payment service provided based on the instruction of the Card Holder – as payer –, in the course of which, the Card Holder’s account is charged for the benefit of the beneficiary.
Receipt: the document certifying the Transaction, provided to the Card Holder.
Replacement Card: the Card manufactured by the Issuer, replacing the previous Card following the expiry of its term of validity.
CVC (Card Verification Code – card verification code): the 3-digit numeric code found on the back of the Card, under the Card Number.
Fee: the fees and charges encumbering the Card Holder in connection with the Card, as indicated in Annex 1 (Information on Tariffs) to this 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 Owner’s Edenred Card-Pro mobile application, which enables the Card Holders to register and activate their Edenred Ticket Restaurant Szép card electronically, as well as to track their personal expenses.
Participating Vendor or Service Provider: the natural person, legal entity or other economic entity who/which is in a contractual legal relationship with the Issuer (payment service provider) as specified in Section 1(3) of the Decree and actually provides the services detailed in the same, with the exception of the service intermediary.
Authorisation: the electronic message transmitted by the Issuer to the Participating Vendor, authorising the execution of the transaction.
Contactless Payment: a method of payment enabling Card Holders to pay by touching the Edenred Ticket Restaurant SZÉP Card to the scanner of the POS terminal. No PIN code is required for transactions not exceeding the threshold amount set out in the legislation.
HUF: Hungarian forint, the official currency of Hungary.
Payment Order: the order of the payer or the beneficiary for execution of the payment transaction, submitted to its own payment service provider.
Supervisory Body: The National Bank of Belgium in Belgium, or another supervisory body supervising other European payment service providers.
Card or Edenred Ticket Restaurant SZÉP Card: a plastic cash substitute, which
• enables the Card Holder to submit payment orders exclusively against the SZÉP Card benefits credited to the payment account,
• is readable with an electronic terminal at the Participating Vendor and enables the submission of payment orders via the terminal.
Card Number: the 16-digit number found on the back of the Card.
Card Holder: the natural person who is entitled to use the Card based on the Framework Contract concluded with the Issuer.
Framework Contract: the agreement concluded between the Issuer and the Card Holder concerning the provision of services related to the Edenred Ticket Restaurant SZÉP Card, which includes three payment accounts.
Issuer or Payment Service Provider: PPS EU SA, a company registered in Belgium under the number 0712.775.202, with its registered address at: 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. Issuer qualifies as a payment service provider who is authorised to issue the Card and engage in activities relating to the use of the same as provided in the Decree.
Limited-Purpose Payment Account or Account: the employer benefit as per Section 71(1) of the Personal Income Tax Act (Széchenyi Recreation Card benefit) is credited by the Issuer to the limited-purpose payment account opened and managed based on the framework contract concluded with the Card Holder, the holder of which account may only be a natural person.
Expiration Date: the date indicated on the backside of the Card in the format month/year (the two last digits of the year are indicated on the Card).
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.
Online Transaction: a Transaction initiated on the central web interface developed by the Issuer, transmitted electronically and evaluated by the Issuer immediately.
PIN: personal identification number, PIN code.
POS (or POS terminal): the equipment used for facilitating payments via cash substitute, which enables payment via the data stored on the Card’s chip-equipped data medium.
Programme: the Edenred Ticket Restaurant SZÉP Card Programme, in the scope of which the Card Holder is using the Card.
Programme Owner: 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.
Civil Code: Act V of 2013 on the Civil Code.
Decree: Government Decree 76/2018 (20 April) on the rules of the issue and use of Széchenyi Recreational Cards.
Available Balance: the value of the funds available on the Card for use.
Széchenyi Recreation Card Benefit: the employer benefit defined as per Section 71 (1) of the Personal Income Tax Act.
Personal Income Tax Act: Act of CXVII of 1995 on Personal Income Tax.
Service or Edenred Ticket Restaurant SZÉP Card Service: means the following inseparable services:
• keeping of a limited-purpose payment account
• issue of the Edenred Ticket Restaurant SZÉP Card
• execution of payment transactions)
Durable Data Medium: a device which allows the recipient to store the data addressed to the recipient for a long term, for a time appropriate for the purpose of the data and to display the data stored in unchanged form and with unchanged content.
NACE’08: the Hungarian-language version and equivalent of the NACE Rev. 2 created by Regulation (EC) No 1893/2006 of the European Parliament and of the Council of 20 December 2006 establishing the statistical classification of economic activities NACE Revision 2 and amending Council Regulation (EEC) No 3037/90 as well as certain EC Regulations on specific statistical domains, issued by the Hungarian Central Statistical Office.
Telephone Authorisation Centre: the phone customer service operated by the Issuer or its agent or subcontractor, which, following the identification of the Participating Vendor and the Card Holder, and based on the identification data provided by the Card Holder via phone, certifies that the service (i.e. funds equivalent to the countervalue communicated by the Participating Vendor) is available on the Card Holder’s limited-purpose payment account, and that it can perform such service to the extent of the countervalue based on the payment order submitted by the Card Holder.
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes.
Transaction or Payment Transaction: any payment transaction executed through the proper use of the Card, as well as the crediting or charging of any amount to the payment account in the course thereof.
Client or Employer: the Card Holder’s employer, who credits the Széchenyi Recreation Card Benefit to the Card Holder’s payment account.
Customer Service: the contact centre responsible for handling requests and questions related to the Card.
www.edenredkartya.hu website, MyAccount: the interface on the Website where – following registration – the Card Holder can access their own Account and view their Available Balance and transaction history online. Internet connection is required to access the website.
www.edenred.hu: Edenred’s website, where these GTC and the Data Processing Policy are available.

2.1. The Service associated with the Edenred Ticket Restaurant SZÉP Card includes the limited-purpose payment accounts created based on the contract concluded with the Issuer and the Edenred Ticket Restaurant SZÉP Card provided by the Issuer as inseparable Services, which Services cannot be requested separately.
2.2. The Card Holder concludes a Framework Contract with the Issuer, which Framework Contract is concluded for an indefinite term. The Framework Contract is concluded by clicking the contract conclusion button after completing the registration form and accepting these General Terms and Conditions. After that, the Card Holder receives the completed Framework Contract and the GTC constituting an integral part thereof on a durable data medium (email). The Framework Contract is valid only if the Card Holder completes the identification process following the conclusion of the contract.
2.3. The Issuer shall be entitled to reject the application for the Edenred Ticket Restaurant SZÉP Card Service without any justification.
2.4. The Issuer shall provide for the manufacture of the Edenred Ticket Restaurant SZÉP Card following the signing of the Framework Contract.
2.5. The Card only enables payment orders against the Széchenyi Recreation Card Benefits credited to the Card Holder’s Account. The Edenred Ticket Restaurant SZÉP Card is not a credit card. Due to the limited-purpose nature of the Account, the Available Balance does not accrue interest, and therefore it cannot be used for savings, only for payment; but in all cases subject to the conditions set out in the Contract and the effective Edenred Ticket Restaurant SZÉP Card GTC available on the www.edenred.hu website.
2.6. The Card was issued by the Issuer based on the permission of Mastercard International Incorporated. A Limited-Purpose Payment Account is associated with the Card. The Issuer shall open the Limited-Purpose Payment Account and perform the Services associated therewith. The Card Holder’s rights and obligations with respect to the use of the Card are regulated by the Framework Contract concluded between the Card Holder and the Issuer; the Card Holder has no legal relationship whatsoever with Mastercard International or its affiliated companies. If the Card Holder detects any problem concerning the use of the Card, the Card Holder shall contact the Customer Service. Amounts are credited to the Card based on the Client’s/Employer’s order, in HUF, under the terms and conditions provided in this document and the contract concluded with the Client/Employer. The Card will remain in the Issuer’s ownership, and the Card Holder is only entitled to use it in accordance with its intended purpose.
2.7. By concluding the Framework Contract, the Card Holder consents to taking over the Card on behalf of the Client.
2.8. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. The Issuer and the Programme Owner undertakes to liaise with the Card Holder in matters related to the Card and the Account in the Hungarian language.

3.1. Only funds transferred as Széchenyi Recreation Card Benefit may be credited to the Limited-Purpose Payment Account.
3.2. The Participating Vendor – in the case of acceptance of the payment initiated via the Edenred Ticket Restaurant SZÉP Card – may only provide to the Card Holders the domestic service falling into the scope of activity of the Participating Vendor, complying with the legal conditions concerning the use of the Széchenyi Recreation Card Benefit, as listed in Annex 2.
3.3. The specific Széchenyi Recreation Card Benefits are recorded on subsidiary accounts within the Account:
• accommodation sub-account
• food services sub-account
• leisure sub-account
3.4. The funds transferred to the subsidiary accounts may not be transferred to another subsidiary account, and they may only be kept on record on the subsidiary account indicated in the transfer made by the Client, and only be used for paying the countervalue of the service matching the subsidiary account (except for the intermediation of services), except where the legislation provides otherwise.
3.5. In the case of payment with the Edenred Ticket Restaurant SZÉP Card, the utilised amount is charged against the oldest funds available on the Card.

4.1. The Card can only be used after Online 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 Owner for the failure to Activate the Card.
4.2. After activating the Card, the Card Holder will receive a 4-digit PIN code. The PIN must be kept secure at all times, it may not be disclosed to anyone, and when typing it in, the Card Holder must ensure that others cannot read it. The Issuer and the Programme Owner will not disclose the PIN to third parties. If the Card Holder forgets their PIN, they may view it on the www.edenredkartya.hu website or in the Edenred Card-Pro mobile application, under the menu item “View PIN”.

5.1. The Edenred Ticket Restaurant SZÉP Cards may only be used to pay for the services and goods specified in the Decree and the other decrees and legislation defining the scope of use of the Széchenyi Recreation Card, at Participating Vendors who are in contractual relations with the Issuer. The eligible services are listed in Annex 2 to these GTC. The Issuer and the Programme Owner shall not have any liability for any change of the activity of the Participating Vendors. The balance available on the subsidiary accounts of a given Card may only be utilised for the full or partial settlement of the countervalue of a service for which the subsidiary account is eligible as specified in the Decree and Annex 2 hereto, except where the legislation provides otherwise. The Issuer and the Programme Owner shall not be responsible for the misuse of the Cards. The Card and the Available Balance associated with it may be used only for Transactions executed in HUF, within the territory of Hungary.
5.2. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on the relevant subsidiary account of the Card. The Card cannot be used 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 the Card, the Card Holder shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds the Available Balance within 14 days of the receipt of the notice from the Issuer. If the Card Holder fails to pay the amount within 14 days of the receipt of the notice 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.
5.3. The Card Holder can authenticate the Transactions to be carried out with the Participating Vendors by providing their PIN or – in the case of online Transactions – their CVC code in each case. In the event of contactless transactions up to the amount of the payment value threshold set out in the legislation, no PIN code is required for the authentication. The Card Holder shall be responsible for all Transactions authenticated by the Card Holder. The Card Holder may also approve the Transaction by touching the Card to the POS terminal. The Card Holder shall 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 violating the law (e.g. Transactions carried out with a stolen Card).
5.4. The Card Holder can query his Available Balance at the website www.edenredkartya.hu, in the Edenred Card-Pro Mobile Application or by phone.
5.5. For security reasons, the Participating Vendors accepting the Card Holder’s Card shall request authorisation via a POS or VPOS terminal from the Issuer for the Card Holder’s Transactions. In certain cases, the exact amount of the payment order may not be known at the time of approval by the Card Holder (e.g. accommodation). The amount may only be frozen on the Card Holder’s Account if the Card Holder approved the exact amount to be frozen. The amount frozen as described above shall be released when the Issuer is informed of the exact amount of the payment transaction, but at the latest after it has received the payment order. The Card Holder will only be charged for the actual and final amount of the Transaction carried out.
5.6. The Service Provider may not convert the Card Holder’s funds available on the Card – transferred to it as Széchenyi Recreation Card Benefit – to cash or other non-cash means of payment.
5.7. The Participating Vendor shall be entitled to withhold or block the Edenred Ticket Restaurant SZÉP Card if any doubt arises in relation to the user’s identity.

6.1. The payment transaction taking place via a POS terminal is executed using the chip of the Edenred Ticket Restaurant SZÉP Card (via scanner or touch), the acceptance of which transaction shall be acknowledged by the Card Holder by checking and signing the amount indicated on the printed receipt.
6.2. The Card Holder may initiate an online direct payment transaction via the Edenred Ticket Restaurant SZÉP Card online interface, or in the Edenred Pro application, by selecting the appropriate Participating Vendor, specifying the number of the Edenred Ticket Restaurant SZÉP Card and the amount to be paid.
6.3. The payment transaction may take place on the Participating Vendor’s own online interface too, in which case, the “payment with credit card” option has to be selected.
6.4. The payment transaction executed via the Telephone Authorisation Centre is initiated by the Card Holder by calling the Customer Service, in the course of which, following the identification of the Card Holder, the Card Holder must specify the name and address of the premises of the Participating Vendor, as well as the amount to be charged. In the case of the Card Holder’s consent, the transaction is recorded, of which the Card Holder and the Participating Vendor receives confirmation in email.

7.1. The Card Holder cannot credit funds to the Card. Only the Client shall be entitled to credit funds to the Card through the Issuer. If the Client wishes to credit further funds to the Card, then it will be credited to the Available Balance on the Card following the receipt of the Programme Owner’s order and the receipt of the transfer by the Client to the Issuer.
7.2. The Issuer shall send a notice to the Card Holder on each occasion when funds received from the Client are credited to the Card Holder’s Account as Széchenyi Recreation Card Benefit.
7.3. The Issuer shall return the employer benefit transferred by the Client by mistake, if:
• the Client requests recall of the transfer at its account-managing bank
• the Card Holder consents to the recall of the transfer order
• the entire amount or a portion of the amount of the mistaken transfer is available.

8.1. The Edenred Ticket Restaurant SZÉP Card is issued for a term of validity of 5 (five) years. The expiration date of the Card is printed on the backside of the Card. The Card Holder may not use the Card after its expiry. In the case of renewing the Card, the Issuer reserves the right to block or restrict the use of the expiring Card following activation of the renewed Card.
8.2. The Issuer shall provide for manufacturing the new Card prior to the expiry of the Edenred Ticket Restaurant SZÉP Card, if:
• there is sufficient balance on the Edenred Ticket Restaurant SZÉP Card
• or any benefit was credited to the Account associated with the Edenred Ticket Restaurant SZÉP Card in the 24 months prior to the expiry of the Card.

9.1. The Issuer may restrict or deny the authentication of the Card if the Card is or may be used in breach of this Contract, or if the Issuer suspects on reasonable grounds that the Card Holder or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
9.2. If the Issuer has to investigate a Transaction carried out with the Card, the Card Holder is obliged to cooperate with the Issuer or – if necessary – any other official body.
9.3. The Card Holder must never:
9.3.1. let anyone else use their Card, or gain access to it in any way;
9.3.2. write their PIN code, CVC number, password or any other security information related to the Card, the Account or the Website identification data on their Card or anywhere else;
9.3.3. disclose or otherwise make available their PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise;
9.3.4. share with or otherwise make accessible to third parties the Card, the Account or the Website access data;
9.3.5. transfer, pledge, or give as collateral the Card, as these constitute serious breach of contract.
9.4. The Card Holder shall protect the Card from strong heat, sunlight, and magnetic environments. Any damage or cost (replacement of the Card) resulting from any damage caused to the Card by such reasons shall be borne by the Card Holder, the amount of which is set out in Annex 1 (Card Replacement Fee) to these GTC.
9.5. The Card Holder is responsible for any Transaction that is authenticated via their signature, PIN code or CVC code, or where in the event of contactless transactions, the Card Holder is unable to prove that no third person could access their Card.
9.6. The Card Holder agrees to hold harmless and indemnify the Issuer, its 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 the Card by the Card Holder or authenticated by the Card Holder.
9.7. The Card Holder 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.
9.8. The Card Holder expressly acknowledges and agrees that the Participating Vendor and/or the Card Holder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Owner or the Issuer shall not have any liability in this regard.
9.9. If any reimbursement becomes necessary for the Card Holder under the legal relationship established between the Participating Vendor and the Card Holder, then – upon the written request of the Participating Vendor or the Card Holder and following the identification of the transaction – the Issuer and the Programme Owner execute the crediting, provided that if the payment for the Participating Vendor has already been executed, then it credits the amount to be reimbursed to the Card Holder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
9.10. The Card Holder 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 Vendor only, in the form of a jointly submitted unanimous declaration.
9.11. The Card Holder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Vendor – 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 Owner or the Issuer, thus on no legal grounds may the claims between the Participating Vendor and the Card Holder be enforced against the Programme Owner or the Issuer, who expressly and fully exclude any such liability.
9.12. The Card Holder shall report without delay if:
• the Card Holder did not take over the Edenred Ticket Restaurant SZÉP Card, or it was lost in delivery
• the Edenred Ticket Restaurant SZÉP Card was stolen or lost
• the authentication data associated with the Edenred Ticket Restaurant SZÉP Card were acquired by an unauthorised third party
• the Edenred Ticket Restaurant SZÉP Card was used without authorisation or the Card Holder’s approval.

10.1. The Card Holder should treat the Széchenyi Recreation Card Benefit on their Card like cash in their wallet. If the Card Holder loses their Card or if it is stolen, the amount on it may be lost just as if it had been in their wallet.
10.2. 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, the Card Holder shall contact the Customer Service immediately. The Card Holder has to provide the Card number in order for the Customer Service to deal with their issue. Alternatively, the Card Holder can arrange for the blocking of their Card at the website www.edenredkartya.hu or in the Edenred Mobile Application. The blocking is irreversible. Blocked and subsequently Cards cannot be used anymore. If the blocking of the Card is not imputable to the Card Holder, the Issuer shall provide the new Card to the Card Holder free of charge; otherwise, the Card Holder shall request a new Card, the cost of which is set out in Annex 1 (Card Replacement Fee) to these GTC.
10.3. Provided that the Card Holder notified the Issuer in accordance with Clause 10.2, and Clause 10.5 does not apply, the Card Holder will not be liable for losses incurred after the time they notified the Customer Service in accordance with the above. With respect to unapproved payment transactions that took place due to the Card Holder’s loss of possession of the Edenred Ticket Restaurant SZÉP Card, the Card’s having been stolen, or unauthorised use of the Card, the Card Holder shall bear the damages up to an amount equivalent to fifteen thousand forints prior to the making of the report for the blocking of the Card.
10.4. If the reported event was caused by the Card Holder’s breach of contract or their imputable conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, the Card Holder will be held liable for all losses.
10.5. The Card Holder shall not bear the above liability if
10.5.1. it was not possible for the Card Holder to become aware of the theft, loss of possession or unauthorised use of the Edenred Ticket Restaurant SZÉP Card prior to the execution of the payment transaction,
10.5.2. the damage was caused by the action or omission of the Issuer’s employee, payment intermediary or branch office, or the entity conducting the activity outsourced to the Issuer.
10.6. In the case the blocking of the Card is initiated by the Issuer, the Issuer shall notify the Card Holder regarding the fact and reason of the blocking, provided that this does not jeopardise the safety of the Issuer’s operation. Any breach or omission of the obligations set out in the Framework Contract shall result in the blocking of all Cards associated with the Framework Contract.
10.7. In the case of suspicion of abuse, the Issuer will restrict the use of the Card, of which the Card Holder will be notified via phone or in writing. If the Card Holder does not contact the Issuer in response to the notice within 15 days following the receipt of the written notice, the Issuer will block the Edenred Ticket Restaurant SZÉP Card.

11.1. In the case of the Card Holder’s death, if probate proceedings commence with respect to the Card Holder, the Issuer suspends the possibility of disposing over and accessing to the Card Holder’s Account until the grant of probate or, in the case of a succession suit, the judicial decision providing for the full handover of the estate becomes final and binding (hereinafter: “final decision”).
11.2. In the case of the Card Holder’s death, the Issuer shall, with the exception set out in Clause 11.3, depending on the choice of the entitled persons specified in the final decision, pay the amount of the balance of the account to the entitled persons in cash, or transfer it to the payment account specified by the entitled persons, at the latest within 15 business days following the presentation of the final decision to the Issuer.
11.3. If the certified entitled person is the holder of a limited-purpose payment account as specified in Section 2(1) of the Decree, then the amount to be paid to them pursuant to Clause 11.2 shall be settled by transferring it to the subsidiary account of their limited-purpose payment account specified in their statement made concurrently with the presentation of the final decision to Issuer.
11.4. For the purposes of this Clause, the certificate of inheritance and the European certificate of inheritance shall qualify as equivalent to the grant of probate providing for the full handover of the estate.

12.1. The amount of the fees and costs arising in the course of use of the Edenred Ticket Restaurant SZÉP Card are set out in Annex 1. The Issuer shall be entitled to determine the fees up to the highest amounts set out in the effective version of the Decree, and unilaterally amend Annex 1 in the case of a change of the legislation.
12.2. The Issuer shall provide the Edenred Ticket Restaurant SZÉP Card for the Card Holder free of charge, while the fees due for replacement cards as set out in Annex 1 (Card Replacement Fee) to these GTC shall be invoiced to the Card Holder. The Issuer will charge the replacement card fee to the subsidiary account indicated by the Card Holder in the Card Holder’s statement, provided that sufficient funds are available on the given subsidiary account. The Issuer will not manufacture the replacement card and hand it over to the Card Holder until the replacement card fee is paid.
12.3. A fee will be charged to the Card Holder to the extent of and against the funds not used by 31 May of the second calendar year following the transfer of the amount to the Edenred Ticket Restaurant SZÉP Card as benefit (Montly Fee). The amount of the Monthly Fee shall be determined against the unused balance and the oldest funds credited to the Account in the course of determination of the Monthly Fee charged thereon. The amount of the Monthly Fee is set out in Annex 1.

The Issuer shall make it possible for the Card Holder to make an online query concerning the turnover and balance of their Limited-Purpose Payment Account – by subsidiary account – on the www.edenredkartya.hu website, and in the Edenred Mobile Application, broken down by individual transaction and turnover period; as well as to make an inquiry concerning the balance of their Limited-Purpose Payment Account via phone, at the phone number specified in Clause 22 of the GTC.

14.1. If the Card Holder has reason to suspect that a Transaction for which their Card was used was unauthorised or was carried out by mistake for the Available Balance of the Card used by them, the Issuer will examine the Account and the circumstances of the Transaction, provided that the Card Holder notifies the Issuer within 13 months of the date of the Transaction. In this scope, the Issuer may require the Card Holder to contact the relevant authorities in connection with the disputed Transaction.
14.2. If, based on the evidence available to the Issuer at the time when the Card Holder reports the unauthorised Transaction, the Issuer has no reasonable cause to assume that the Card Holder failed to comply with the requirements of these GTC due to negligence or on purpose, or that the Card Holder acted in a fraudulent manner, the Issuer will refund all unauthorised Transactions to the Card’s Available Balance.
14.3. However, if the Issuer receives information that suggests that the disputed Transaction was real, the Issuer will be entitled to deduct the value of any such Transaction from the Available Balance of the Card used by the Card Holder.
14.4. The Issuer reserves the right not to refund the Card Holder such amounts to their Card’s Available Balance if the Card Holder acted in breach of this Contract or if the Card Holder did not report any possible fraudulent claims to the competent authorities.
14.5. The Issuer will investigate the request for refund and the documents supporting it. In the course of evaluating the request, the Issuer shall be entitled to require further information and documents.
The Issuer shall refund the amount specified in the request for refund found to be justified within 10 business days to the Card Holder’s Account, to the extent of the entire amount of the executed payment transaction. The value date of the transfer will match the value date of the charging of the amount to be refunded.
The Issuer shall be entitled to reject the request for feedback as a result of the evaluation of the request, of which it shall notify the Card Holder in writing.
If the Participating Vendor indemnified the Card Holder directly, the Issuer shall be entitled to charge the Card Holder’s Account for the refunded amount.

15.1. Any complaint made in connection with these General Terms and Conditions has to be reported to the Programme Owner via the Customer Service mentioned in Clause 22 of these GTC.
15.2. The handling of complaints related to the Edenred Ticket Restaurant SZÉP Card shall be governed by those set out in Edenred’s Complaint Management Regulation. If the Card Holder disputes the lawfulness of any given transaction, the Issuer will start the complaints procedure based on the report, to which the Card Holder shall attach and indicate the following: the reason of the complaint, the disputed amount, the correct amount of the transaction according to the Card Holder, and all certificates and documents that support that the complaint is justified.
15.3. In the case of a request (by the Card Holder) for correction of an unapproved payment transaction or an approved payment transaction that was executed erroneously, the Issuer shall prove – potentially via authentication – that the Card Holder approved the disputed payment transaction, that the payment transaction was recorded appropriately, and that execution was not obstructed by technical issues or the breakdown of the Service provided by the Issuer.
15.4. If the Card Holder thinks that their complaint was not answered, they do not accept the answer, or they think that their complaint was inappropriately handled or unjustly rejected by the Issuer and the Programme Owner, the Card Holder shall be entitled to contact the Financial Consumer Protection Centre of the National Bank of Hungary (Hungarian abbreviation: MNB) with their complaint in writing, and request that proceedings by the Financial Mediation Body operated by the MNB or judicial proceedings be initiated. The complaint may be submitted at the following contact points of the MNB:

National Bank of Hungary – Financial Consumer Protection Centre
postal address: H-1534 Budapest BKKP Pf. 777
phone: +36 80 203-776
email address: ugyfelszolgalat@mnb.hu

Financial Mediation Body
postal address: H-1525 Budapest, Pf. 172
phone: +36 80 203 776
email address: ugyfelszolgalat@mnb.hu

16.1. If any part of this Card Holder GTC conflicts with any legal or regulatory requirement, then the Issuer will not effectuate that part of the Contract, and the Issuer will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If the Issuer has to make changes with respect to its operations in order that the Issuer be able to fully comply with the new legal or regulatory requirements, the Issuer will take the necessary steps as soon as reasonably practicable.
16.2. If the Issuer introduces new Services or expands its Services, the Issuer shall be entitled to amend the provisions of the GTC and the Framework Contract. In addition, the Issuer shall also be entitled to unilaterally amend the provisions of the GTC and the Framework Contract if this is necessary due to a change of legislation or changes of the other provisions relevant to the Issuer’s activity and the given Service.
16.3. The Issuer shall be entitled to unilaterally amend the Contract in a way that is not adverse for the Card Holder, which amendment shall be published by the Issuer at least 15 days before such amendments enter into force, and it shall also disclose specific information on the amendment on the website www.edenred.hu .
16.4. The Issuer informs the Card Holder about any amendments that are adverse to the Card Holders two months prior to the entry into force of such amendments on the website www.edenred.hu. If the Card Holder 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 Card Holder. The Card Holder shall have the right to immediately terminate the Framework Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments, in accordance with the effective GTC, in which case the Card Holder and the Issuer shall settle their accounts with each other. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC.

17.1. If the Card Holder is not entitled to use the Card any longer for any reason, the Card will be blocked immediately.
17.2. The Card Holder shall be entitled to terminate the Framework Contract with immediate effect if the Issuer breaches any of its material obligations set out in the Framework Contract.
The Issuer may terminate or suspend the Framework Contract with immediate effect (extraordinary termination) in the following cases:
• if the Card Holder repeatedly and severely breached the Framework Contract or the legislation governing the relationship of the Issuer and the Card Holder, or if the Card Holder used or intended to use the Card in an imputable and fraudulent manner or for unlawful purposes, or if due to the actions of third parties, the Issuer is no longer able to process the Card Holder’s Transactions, or if the Issuer reasonably assumes that a security problem arose with respect to the Card,
• if the Card Holder does not comply with their obligation to cooperate and provide information as set out in the legislation,
• if due to circumstances outside the Issuer’s scope of control, the Issuer cannot be expected to maintain the contractual relationship, or that would infringe the Issuer’s business interests.
In the case of extraordinary termination of the Framework Contract, the Card Holder shall return the Edenred Ticket Restaurant SZÉP Card to the Issuer; otherwise, the Card will be blocked. Any damage resulting from the Card Holder’s failure to return the Card shall be borne by the Card Holder.
17.3. The Framework Contract shall terminate by mutual consent at the date agreed on by the Issuer and the Card Holder.
17.4. The Framework Contract shall terminate with ordinary notice on the last day of the notice period. The Card Holder may terminate the Framework Contract subject to 30 days written notice, without justification. The Issuer will terminate the Framework Contract – and immediately block the Edenred Ticket Restaurant SZÉP Cards associated with the Accounts – at the time of processing of the proper written termination following the receipt thereof via postal mail.
17.5. The Issuer may terminate the Framework Contract and cancel the Edenred Ticket Restaurant SZÉP Card if no funds are available on the Account associated with the Edenred Ticket Restaurant SZÉP Card for 24 consecutive months. The Issuer shall inform the Card Holder regarding the termination of the Framework Contract and the cancellation of the Edenred Ticket Restaurant SZÉP Card in advance, at least two months prior to the termination.
17.6. If the Edenred Ticket Restaurant SZÉP Card is not returned or invalidated concurrently with the termination of the Framework Contract, the Issuer will block the Edenred Ticket Restaurant SZÉP Card.
17.7. In the case of the Card Holder’s death, the Framework Contract shall terminate at the time when the Issuer learns of this from a credible source.
17.8. The Issuer shall settle accounts with the Card Holder at the time of termination of the Framework Contract. The termination of the Framework Contract shall not result in termination of the Parties’ obligation to settle their accounts or their payment liabilities.
17.9. If the Issuer suspends or terminates the Card Holder’s Account or Card, it will immediately notify the Card Holder regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where the Issuer is unable to do so due to legal or security reasons.

18.1. The following exceptions and restrictions apply to the Issuer’s liability in connection with this Contract (relating to damages arising in connection with the provisions of the Contract or otherwise – including negligence – the breach of statutory duties or other):
18.1.1. the Issuer assumes no liability for any damages arising directly or indirectly from reasons beyond its control (including but not limited to the failure of network services and data processing systems);
18.1.2. the Issuer assumes no liability for lost profit, loss of business or any indirect, consequential, special or punitive damage or loss;
18.1.3. if the Card is faulty due to the Issuer’s negligence, the Issuer’s liability will be limited to the replacement thereof; and
18.1.4. in any other event of the Issuer’s default, the Issuer’s liability will be limited to the reimbursement of the Available Balance on the Card Holder’s Card.
18.2. No provision of this Contract may exclude or limit the Issuer’s liability for any deaths or personal injuries that occur due to the Issuer’s negligence or fraud.
18.3. The Issuer expressly excludes the conditions and warranties set out in law to the largest extent allowed by the law.
18.4. The exclusions and limitations of liability set out in Clause 9 and this Section 18 are also applicable to any liability arising vis-á-vis the Card Holder in connection with this Contract on the side of the Issuer’s affiliated companies such as the Programme Owner, MasterCard International Incorporated and other suppliers, contractors, agents, distributors and the affiliates thereof.
18.5. The Card Holder may settle any disputed issue arising in connection with their purchases made with the Card with the merchant. Neither the Programme Owner nor the Issuer assumes liability for the quality, safety, legality or any other property of the goods and services purchased with the Card.

19.1. 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].
19.2. Summary table of the Issuer’s and Programme Owner’s processing of personal data:

Summary of the Issuer’s processing of data concerning the Edenred Ticket Restaurant SZÉP

Card Service provided to the Card Holder
Data Controller Issuer
The purposes of the processing Performance of the Edenred Ticket Restaurant SZÉP Card Services included in the Card Holder contract
Legal grounds for data processing The performance of the Contract concluded between the Issuer and the Card Holder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s given name; Data Subject’s surname at birth; Data Subject’s given name at birth; name on card (max. 21 characters); date of birth; place of birth; mother’s maiden name; Data Subject’s citizenship; postal address or, in the absence thereof, place of residence (postcode, city/town, street name and number); type of the Data Subject’s ID document; number of the Data Subject’s ID document; expiry date of the Data Subject’s ID document; copies of the Data Subject’s documents; Data Subject’s image, PEP status;
Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial number of the card; transaction details; transaction history; Data Subject’s workplace; Data Subject’s bank 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 Edenred Ticket Restaurant SZÉP Card 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 Ticket Restaurant SZÉP Card Service
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the Edenred Ticket Restaurant SZÉP Card Service

 

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

 

Summary of the processing of data related to the Programme Owner’s marketing and advertising activity
Data Controller The Programme Owner is the Data Controller in relation to the data processing related to the Programme Owner’s marketing and advertising activity.
The purposes of the processing Sending marketing and advertising messages to the Card Holder
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 Notice made available at the website www.edenred.hu.

 

19.3. Should the Card Holder not provide the personal data essential for the provision of the Issuer’s services, then the Card Holder will not be able to use the Issuer’s services.
19.4. The Card Holder may contact the Programme Owner 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 or dpo.hungary@edenred.com e-mail addresses.

20.1. If the Issuer does not exercise or delays 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.
20.2. 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.
20.3. The Card Holder may not assign or transfer its rights and/or benefits arising from these General Terms and Conditions. The liability of the Card Holder will continue until all Cards given into his/her use are cancelled or expired, and all amounts payable under these GTC are fully paid by the Card Holder. The Issuer may assign its rights and benefits at any time without notifying the Card Holder in writing. The Issuer may subcontract any of its obligations arising from these GTC.
20.4. 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) persons specified in Clause 18 shall be entitled to enforce the contents of Clause 14.
20.5. This Contract is governed by the Belgian law, and the Card Holder consents to the non-exclusive jurisdiction and competence of the courts of Belgium. This provision is for the benefit of the Card Holder and does not restrict its right to initiate proceedings at the courts specified in Section 624(1), (2) and (4) of the Belgian Courts Act.
20.6. In accordance with Articles VII.5 and VII.29 of Book VII of the Belgian Code of Economic Law, the Card Holder explicitly agrees 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.

21.1. The language of the Contract is the Hungarian.
21.2. The Issuer shall comply with its statutory obligation to provide prior information by publishing the GTC on the website www.edenred.hu, and by delivering a copy of the Framework Contract to the Card Holder on a Durable Data Medium prior to the conclusion of the Framework Contract.
21.3. The Issuer provides information to the Card Holder initiating the establishment of the Contract about the GTC and the fees, as well as any modifications or amendments made to these by disclosure on the website www.edenred.hu.
21.4. The Parties agree that the Transactions executed with the Card and creditings to the Card, as well as all data related to the Transactions, will be available after their execution at the website www.edenredkartya.hu and via the Edenred Card-Pro mobile application.
21.5. The Card Holder can obtain information about the Card balance at any time by visiting the website www.edenredkartya.hu or via the Edenred Card-Pro mobile application.
21.6. The Card Holder expressly agrees that, during the term of the Contract, communication with the Issuer and the Programme Owner will primarily take place by electronic means via the e-mail address provided by the Card Holder, and that they will regard this communication as valid and legally effective concerning the Contract, including any legal statements made in connection with the same.
21.7. The Parties agree to consider the e-mails as delivered on the second day following the sending of such e-mails.
21.8. The Issuer and the Programme Owner will send the notifications and statements primarily to the Card Holder’s e-mail address entered during the course of the Card Holder’s registration at the website www.edenredkartya.hu. Should the postal address of the Card Holder change, the Card Holder shall be obliged to notify the Issuer and the Programme Owner thereof, the Issuer and the Programme Owner shall not be liable for any damages arising from the failure to do so. The Issuer and the Programme Owner shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Card Holder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Card Holder has no longer access to the entered e-mail address.
21.9. The Card Holder can communicate with the Issuer via the Customer Service.
21.10. No special browser settings are required to be able to use the Edenred Card-Pro mobile application and the websites www.edenredkartya.hu and www.edenred.hu, the services are available with the default browser settings.

22.1. If the Card Holder needs help, Customer Service shall be called at the number +36 1 382 4000 in the business hours indicated on the website www.edenred.hu, or contacted by using the online interface also available on www.edenred.hu.
22.2. Identification of the Card Holder may be necessary to use certain services of the Customer Service. Identification questions will be based on the Card Holder’s available data.
22.3. 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.
22.4. Available Balance inquiry and Card Blocking are available to Card Holders 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.

The following 3 Annexes constitute integral parts of these GTC:

Annex 1: Information on Tariffs
Annex 2: Available Domestic Services and Goods Sold
Annex 3: Data Processing Policy

The Issuer reserves the right to unilaterally amend these annexes. The Issuer shall make available the applicable annexes to the Card Holders on the www.edenred.hu website.

1. Fees and Charges

a. Card and Card Replacement Fees

Type of Card Card Fee*
(manufacture and delivery of new cards)		 Card Replacement Fee* (replacement of lost, stolen, damaged cards)
Main Card free of charge 1,500 HUF/card

 

*The fee established in the Decree in force at all times

b. Monthly fee charged for unused financial asset
The monthly fee charged equals to 3% of the unused financial asset, but at least 100 HUF. If the unused amount is less than 100 HUF, the fee equals to the unused amount.

2. Miscellaneous provisions

Any fee and charge specified in this annex shall be considered in HUF. VAT shall be determined in accordance with applicable laws.

 

The fees and charges specified in this annex are in force from 26 January 2022.

1. Services chargeable to the accommodation sub-account:
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)
• any service that is available and can be paid for along with the accommodation service
• physical well-being activities (activities of spas under NACE’08 96.04.)
• other amusement and recreation activities (beach service under NACE’08 93.29.)

2. Services chargeable to the food services sub-account:
• restaurant and mobile food service activities (NACE’08 56.10.)
• other food service activities (NACE08’ 56.29.)
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• physical well-being activities (activities of spas under NACE’08 96.04.)
• other amusement and recreation activities (beach service under NACE’08 93.29.)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)

Charged to the food services sub-account for food sold between 1 February 2022 and 31 May 2022:
• retail sale in non-specialised stores with food, beverages or tobacco predominating (NACE’08 47. 11)
• retail sale of fruit and vegetables in specialised stores (NACE’08 47.21)
• retail sale of meat and meat products in specialised stores (NACE’08 47.22)
• retail sale of fish, crustaceans and molluscs in specialised stores (NACE’08 47.23)
• retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores (NACE’08 47.24)
• other retail sale of food in specialised stores (NACE’08 47.29)
• retail sale via stalls and markets of food, beverages and tobacco products (NACE’08 47.81)

The definition of Food and the products to be covered by this category for the purposes of this contract and the Decree:
In accordance with Annex 1 of Commission Implementing Regulation (EU) 2021/1832 of 12 October 2021 amending Annex I to Council Regulation (EEC) No 2658/87 on the tariff and statistical nomenclature and on the Common Customs Tariff:
(a) products of Sections I to IV, excluding spirits and tobacco and manufactured tobacco substitutes; and
(b) of the products of Section V, salt.

3. Services chargeable to the leisure sub-account:
• other human health activities (under NACE’08 86.90.: physiotherapy service, dental hygiene treatment, diagnostic service, prenatal care and other human health activities n.e.c.)
• performing arts (NACE08’ 90.01.)
• museums activities (NACE’08 91.02.)
• botanical and zoological gardens and nature reserves activities (NACE’08 91.04.)
• activities of amusement parks and theme parks (NACE’08 93.21.)
• other amusement and recreation activities (leisure park and beach services, ski resort and sport boat harbour services and the renting of equipment provided by the operator of the leisure facility used for recreation and leisure purposes under NACE’08 93.29.)
• physical well-being activities (NACE’08 96.04.)
• fitness facilities (NACE’08 93.13.)
• other sports activities (under NACE’08 93.19.: participation and registration fees of leisure sports events related to the activities of racing and riding stables, of sport fishing and other sports events)
• inland passenger water transport (NACE’08 50.30.)
• other reservation service and related activities (tour guiding under NACE’08 79.90.)
• operation of sports facilities (under NACE’08 93.11.: renting of sports fields, sales of swimming pool ticket and season ticket)
• activities of sport clubs (NACE’08 93.12.)
• sports and recreation education (NACE’08 85.51.)
• renting and leasing of recreational and sports goods (NACE’08 77.21.)
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• interurban passenger transport by rail (from NACE’08 49.10 only passenger transport by narrow-gauge railway)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)

On behalf of PPS EU SA, Edenred Magyarország Korlátolt Felelősségű Társaság [Edenred Hungary Limited] (head office/official mailing address: H–1134 Budapest, Váci út 45. , company registration number: 01-09-266926; electronic contact details: ugyfelszolgalat-hu@edenred.com and dpo.hungary@edenred.com; information related to data processing on the website: https://adatvedelem.edenred.hu/adatkezelesi-tajekoztato/; phone: +36 1 413 3333, represented by: Tamás Szendrő, hereinafter: Programme Owner) in accordance with the related legislative provisions specifying the protection of personal data1, hereby informs the data subjects on the applied data processing activities.
1. Presentation of data processing

PPS EU SA (a company registered in Belgium under the number 0712.775.202, having its address under 1160 Brussels, boulevard du Souverain 165 boîte 9, Belgium, hereinafter: Issuer) provides services to legal and natural persons (hereinafter: Client) and natural persons (hereinafter: Card Holder/Data Subject) , under the scope of which service provision the Issuer.
The Issuer and the Programme Owner pays prompt attention on the protection of personal data, and for this reason it permanently takes due care to guarantee fair and transparent processing the essential requirement of which is to provide appropriate information on the processing of data. This Data Processing Policy provide information regarding, among others, the processing of personal data in the course of provision of the services of the Issuer and the Programme Owner and data processing for advertising purposes: the source and scope of acquiring the processed data, the legal basis, purpose and term of the data processing, the rights concerning and the options of choice between personal data, and it also includes all the contact details in which the Data Subject can get answers to his questions on the Issuer and the Programme Owner’s practice of data protection.

 

Summary of the data processing activities related to the Issuer’s Service provided to the Client
Data Controller Issuer
The purposes of the processing Performance of the services included in the Client contract: management of card crediting
Legal grounds for data processing Conclusion and performance of a contract in the interest of the Data Subject [Article 6 (1) (b) of GDPR].
Scope of the processed data Name, position and contact details (phone number, email address) of the contact person;
Data processing prior to the conclusion of a Limited-Purpose Payment Account contract: surname, given name, date of birth, email address;
Data processed during card crediting: surname, given name, date of birth, card serial number, sub-account;
Data request: card serial number, name indicated on the card, surname, given name, date of birth, expiry date of the card, card type, status

 
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 service provided to the Client
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting Services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the service

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

Summary of the Issuer’s processing of data concerning the Edenred Ticket Restaurant SZÉP Card Service provided to the Card Holder
Data Controller Issuer
The purposes of the processing Performance of the Edenred Ticket Restaurant SZÉP Card Services included in the Card Holder contract
Legal grounds for data processing The performance of the Contract concluded between the Issuer and the Card Holder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s given name; Data Subject’s surname at birth; Data Subject’s given name at birth; name on card (max. 21 characters); date of birth; place of birth; mother’s maiden name; Data Subject’s citizenship; postal address or, in the absence thereof, place of residence (postcode, city/town, street name and number); type of the Data Subject’s ID document; number of the Data Subject’s ID document; expiry date of the Data Subject’s ID document; copies of the Data Subject’s documents; Data Subject’s image, PEP status;
Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial number of the card; transaction details; transaction history; Data Subject’s workplace; Data Subject’s bank 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 Edenred Ticket Restaurant SZÉP Card 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 Ticket Restaurant SZÉP Card Service
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the Edenred Ticket Restaurant SZÉP Card Service

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

Summary of the processing of data related to the Programme Owner’s marketing and advertising activity
Data Controller The Programme Owner
The purposes of the processing Sending marketing and advertising messages to the Card Holder
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

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

2. Definitions
Definitions used in this Data Processing Policy match the definitions included in the Card Holder and Employer Client GTC related to Edenred Ticket Restaurant SZÉP Card. For enhancing the interpretation of the Data Processing Policy, below we repeat certain definitions:
2.1.1. Card or Edenred Ticket Restaurant SZÉP Card: a plastic cash substitute, which:
• enables the Card Holder to submit payment orders exclusively against the SZÉP Card benefits credited to the payment account,
• is readable with an electronic terminal at the Participating Vendor, and enables the submission of payment orders via the terminal.

2.1.2. Authority: means the Hungarian National Authority for Data Protection and Freedom of Information or the Belgian Data Protection Authority (Autorité de la protection des données – Gegevensbeschermingsautoriteit, APD-GBA).
2.1.3. Card Holder: the natural person who is entitled to use the Card based on the Framework Contract concluded with the Issuer.
2.1.4. Participating Vendor or Service Provider: the natural person, legal entity or other economic entity who/which is in a contractual legal relationship with the Issuer (payment service provider) as specified in Section 1(3) of the Decree and actually provides the services detailed in the same, with the exception of the service intermediary.
2.1.5. Issuer or Payment Service Provider: PPS EU SA, a company registered in Belgium under the number 0712.775.202, with its registered address at: 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. Issuer qualifies as a payment service provider who is authorised to issue the Card and engage in activities relating to the use of the same as provided in the Decree.
2.1.6. Programme Owner: 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.
2.1.7. Decree: Government Decree 76/2018 (20 April) on the rules of the issue and use of Széchenyi Recreational Cards.
• Service or Edenred Ticket Restaurant SZÉP Card Service: all services provided to the Card Holder by the Issuer.
2.1.8. Client or Employer: the Card Holder’s employer, who credits Széchenyi Recreation Card Benefit to the Card Holder’s payment account.

3. Data Subject

Data Subjects include employees of the legal and natural persons (Client) ordering the services of the Issuer and the Programme Owner.
4. Sources of the acquisition of personal data by the Issuer and the Programme Owner
The Issuer and Programme Owner obtain certain personal data of the Data Subject not directly from the Data Subject, but – having regard to the characteristics of the service – partly from the Client via data transfer. At the same time, however, the Issuer will, during the online contracting necessary for using the Card, request such personal data directly from the Data Subject that are essential for the establishment of the contract and the provision of the services related to the Card, while they are not required for the placement of the Order.
5. Legal grounds for data processing
5.1. The legal basis to the data processing strictly necessary for providing the Service is the conclusion and performance of the contract in the interest of the Data Subject on the basis of the contract established by and between the Issuer and the Client in relation to the cards ordered for the Data Subject [GDPR Article 6(1)(b)].
5.2. The legal basis of the data processing strictly necessary for the Issuer to perform the Edenred Ticket Restaurant SZÉP Card Service provided to the Card Holder is the performance of the Edenred Ticket Restaurant SZÉP Card contract concluded by and between the Issuer and the Data Subject: manufacturing, activating, crediting and using the Card, ensuring access to data [e.g. transaction history, available balance], processing of transactions [Article 6(1)(b) of the GDPR]. Should the Data Subject fail to provide the personal data strictly necessary for the Issuer to provide the Edenred Ticket Restaurant SZÉP Card Service, the Data Subject will not be able to call upon the services provided by the Issuer and the Programme Owner. The Issuer acts as data controller with regard to the data processing related to the contract concluded by and between the Issuer and the Data Subject.
5.3. The legal basis for the Programme Owner for the data processing concerning the sending of advertisement is the Data Subject’s consent [Article 6 (1) (a) of the GDPR and Article 6 (1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities]. The Data Subject may provide his consent to receive advertisement on the Programme Owner’s website or in the Edenred mobile application.

6. The purpose of the data processing, the scope of data processed, the term of data processing

6.1. Data processed for the purposes of complying with the Client GTC, term of the data processing

6.1.1. The Issuer as data controller processes the following data in order to comply with the Client GTC, i.e. to provide the service to the Client:
• name, position and contact details (phone number, email address) of the contact person
• data processing prior to the conclusion of a Limited-Purpose Payment Account contract: surname, given name, date of birth, email address
• data processed during card crediting: surname, given name, date of birth, card serial number, sub-account
• data request: card serial number, name indicated on the card, surname, given name, date of birth, expiry date of the card, card type, status

6.1.2. Personal data is processed by the Issuer as data controller in connection with the establishment of the Card Holder contract and the administration related to crediting and usage of the Card.

6.1.3. The Issuer will process the Data Subject’s data until the period required to achieve the purpose of the Client contract, i.e. for the total duration of the service and 6 years following its termination (until the limitation period of the possible claims concerning the service).

6.2. Data processed for the purposes of complying with the Card Holder contract, term of the data processing

6.2.1. The Issuer processes the following data as data controller in order to comply with the Card Holder contract, i.e. to provide the Edenred Ticket Restaurant SZÉP Card Service to the Card Holder:
6.2.1.1. Data necessary for contracting
• Data Subject’s surname
• Data Subject’s forename
• name on card (21 characters at maximum)
• place and date of birth
• mother’s maiden name,
• postal address, or, in the absence thereof, address of residence (postcode, city/town, street name and number)
• Data Subject’s email address
• Data Subject’s mobile phone number
• amount to be credited
• card serial number
• data of the transaction
• transaction history
• Data Subject’s workplace
• Data Subject’s bank account number

6.2.1.2. Data necessary for identifying the contracting party
• Data Subject’s surname and given name
• Type, number, expiry date and copy of the Data Subject’s ID documents
• PEP status
• Data Subject’s image
• Data Subject’s citizenship

6.2.2. The Issuer will process the data specified in Clause 6.2.1.1 until the period required to achieve the purpose of the Card Holder contract, i.e. for the total duration of the Edenred Ticket Restaurant SZÉP Card Service and 6 years following its termination (until the limitation period of the possible claims concerning the Edenred Ticket Restaurant SZÉP Card Service), while the data specified in Clause 6.2.1.2 shall be processed for 30 days from activation.

6.3. Data processed for the purpose of marketing and advertising activity, term of the processing

6.3.1. During the data processing for advertisement purposes, the Programme Owner will send advertisements via phone (text message) or e-mails or push notifications (pop-up messages on mobile phones) to the Data Subject concerning the products of the Programme Owner, the Edenred Group and the Participating Vendors, and on the incidental campaigns, according to the Data Subject’s consent.

6.3.2. For this purpose it processes the following data:
• Data Subject’s surname
• Data Subject’s forename
• Data Subject’s email address
• Data Subject’s mobile phone number

6.3.3. The Programme Owner keeps record of the personal data of Data Subjects having made declaration of consent regarding the receipt of advertisements.

6.3.4. For sending advertisement, the Programme Owner keeps on processing the personal data processed per the declaration of consent provided by the Data Subject until revocation. The Data Subject can give his declaration of consent by ticking the relevant checkbox on the Programme Owner’s website or the Edenred mobile application. The Data Subject may revoke his consent at any time via the unsubscribe link at the bottom of the marketing letter sent to the provided e-mail address.

 

 

 

 

7. Data processing

The Issuer will transmit and disclose the Data Subject’s data to the members of the Edenred Group1 and its contractual partners2 (including natural persons) in the course and for the purpose of and to the extent required for providing the Edenred Ticket Restaurant SZÉP Card Service, in relation to the card use.

7.1. Data Processors belonging to the Issuer’s and Programme Owner’s contractual partners employed for complying with the provision of the Edenred Ticket Restaurant SZÉP Card Service and for performing the marketing and promotional activity:

• 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 Ticket Restaurant SZÉP Card Service
• Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
• Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
• Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity
• 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 (head office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA)
purpose of data processing: data processing for marketing purposes – sending of newsletters, sending of information e-mails concerning the Edenred Ticket Restaurant SZÉP Card Service

 

8. Transmission of data to third countries

The Rocket Science Group LLC d/b/a MailChimp provides appropriate safeguards for the transfer of personal data by applying standard data protection clauses specified in Article 46(2)(c) of the GDPR.

9. Data security, parties entitled to obtain the data

9.1. The Issuer and the Programme Owner shall delete the Data Subject’s data upon the expiry of the data handling period.

9.2. The Issuer and the Programme Owner will ensure the security of the processed data and takes any measure against unauthorised access, modification, forwarding, disclosure, erasure or destruction, accidental destruction and deterioration, and inaccessibility due to the change of the technology applied, as well as in order to ensure an adequate protection of the Data Subjects’ personal data per the legislation.

9.3. The Issuer and the Programme Owner processes the Data Subject’s data automatically and manually in a computer database applying the measures necessary for maintaining the data security requirements, and it has arranged to have the processing of the Data Subject’s data within a closed system protected by password in any event and saved in a hard disk, and that these systems would be used by those authorised to know the data exclusively in relation to the provision of the service, in a strictly necessary extent.

9.4. Those authorised to know the personal data are the Issuer and the Programme Owner (the Issuer and the Programme Owner’s employees employed in a post that manage matters concerning the card use), the members of the Edenred Group, and the contractual partners of the Issuer and the Programme Owner.

9.5. The Issuer and the Programme Owner ensures to provide complete information about the data protection rules to those authorised to access the data. As a guarantee to data security, the senior executives and employees of the Issuer and the Programme Owner are bound by obligation of confidence and legal liability concerning the personal data learned in this regard.

10. The Data Subject’s rights and remedies

10.1. At the Data Subject’s request, the Issuer and/or Programme Owner shall provide information on [Article 15 (1) of the GDPR; right to information]:
• which personal data of the Data Subject are processed
• the purposes of the processing
• the categories of recipients to whom the personal data are transferred
• the term of processing
• the Data Subject’s rights and remedies

10.2. Before initiating the procedures regulated in this section, the Data Subject is entitled to call upon the Issuer and/or the Programme Owner with his claim (to be submitted electronically) in order to eliminate his anxieties concerning the data processing and to restore legality. The Issuer and/or the Programme Owner shall examine the claim within a month, makes a decision on whether it is well-founded and informs the Data Subject electronically in writing. If the Issuer and/or the Programme Owner ascertains the grounds for the Data Subject’s claim, restores the legality of data processing or ends the data processing, including further data recording and data transmission. In this case, the Issuer and/or the Programme Owner may no longer process the Data Subject’s personal data unless the Issuer and/or the Programme Owner demonstrates compelling legitimate grounds for the processing which override the interests, rights and freedoms of the Data Subject or for the establishment, exercise or defence of legal claims. The Issuer and/or the Programme Owner will communicate the claim and the relevant actions taken, to those to whom he transmitted the data concerned by the claim.

10.3. At the Data Subject’s request, the Issuer and/or the Programme Owner will make available the duplicate copy of the personal data in a commonly used electronic format or any other format chosen by the Data Subject. [Article 15 (3) of the GDPR; right of access, right to be provided copies].
10.4. At the Data Subject’s request, his personal data will be modified, rectified. The Issuer and/or the Programme Owner we also provides possibility to rectify the personal data via the user profile [Article 16 of the GDPR; right of rectification]. The exercise of the Data Subject’s rights to access and the rectification of his personal data, the Data Subject may call upon the Issuer and/or the Programme Owner in an e-mail sent to the addresses adatkezeles-hu@edenred.com or dpo.hungary@edenred.com.
10.5. At the Data Subject’s request, the Issuer and/or the Programme Owner will erase the Data Subject’s personal data. The Issuer and/or the Programme Owner may refuse to comply with the request due to reasons included in Article 17 (3) of the GDPR, e.g. in the case when personal data are required for proposing or vindicating a legal claim, or for the compliance with the obligation per the law of the Union or a member state to be applied to the Issuer and/or the Programme Owner, or out of public interest or for exercising the right of freedom of expression and information. [Article 17 of the GDPR; right of erasure].

10.6. The Data Subject may cancel his declaration of consent to the communication of advertisements may be cancelled at any time without restriction and justification, free of charge, and he may also make a claim regarding the prohibition of receiving advertisements. In this case, the Issuer and the Programme Owner immediately erases the Data Subject’s name and any personal data from the records and will no longer send any advertisement to the Data Subject. This can be achieved by filling a notice of withdrawal either on the post, by sending a letter to the Programme Owner’s head office, or electronically by sending an email to adatkezeles-hu@edenred.com or dpo.hungary@edenred.com, and on the Programme Owner’s website, or in the Edenred mobile application [right of withdrawing the consent]. The withdrawal does not affect the lawfulness of processing based on consent before its withdrawal.

10.7. The Data Subject is entitled to request the restriction (blocking) of processing personal data
• should he contest the accuracy of the personal data, he may request the blocking of the data until the Issuer and/or the Programme Owner checks the accuracy of the personal data;
• if processing is unlawful and the Data Subject opposes the erasure of the personal data, and requests the restriction of their use instead;
• the Issuer and/or the Programme Owner no longer needs the personal data, but it is required by the Data Subject for the establishment, exercise or defence of legal claims [Article 18 of the GDPR; right to restriction of processing (blocking)].
The Issuer and/or the Programme Owner fulfils the blocking request by storing the personal data separately from the other personal data. Thus for example, in the case of electronic files, it saves them on an external data carrier, or transfers personal data stored on paper in a separate folder. With the exception of storage, the Issuer and/or the Programme Owner will only process such personal data with the Data Subject’s consent or for the establishment, exercise or defence of legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest of the Union or of a Member State. The Issuer and/or the Programme Owner shall advise the Data Subject in advance about the release of the restriction of processing.

10.8. The Data Subject is entitled to receive his or her personal data in a structured, commonly used and machine-readable format, and has the right to transmit these data to another controller. In addition, at a relevant explicit request, the Issuer and/or the Programme Owner ensures the direct transmission the Data Subject’s data to a Processor specified by the Data Subject. [Article 20 (1) and (2) of the GDPR; right to data portability].

10.9. The Issuer and/or the Programme Owner will inform the Data Subject on the actions taken within one month from receiving the Data Subject’s request. The Issuer and/or the Programme Owner shall inform You within one month from receipt of the request about the reasons of the refusal and about the opportunity of lodging a complaint with the Authority and seeking a judicial remedy.

10.10. The exercise of this right is free of charge. In certain cases the Issuer and/or the Programme Owner may charge a fee based on administrative costs, or refuse to take action on the basis of the application, if the Data Subject requests a copy of his or her data, or if the Data Subject’s application is clearly ungrounded or – especially on account of its repeated nature – exaggerated.

10.11. The Issuer and/or the Programme Owner retains the right to request further information necessary for the confirmation of the Data Subject’s identity, should it have doubts about the identity of the person who submitted the request. Such a case is when the Data Subject exercises his right of requesting a duplicated copy, in which case it is reasonable from the Issuer and/or the Programme Owner to check if the request has come from the authorised person.

10.12. If the Data Subject thinks that the Issuer and/or the Programme Owner offended his right to the protection of personal data, or should the Issuer and/or the Programme Owner perform illegal data processing, the Data Subject may initiate the procedure of the Authority.

10.12.1. Contact details of the Hungarian National Authority for Data Protection and Freedom of Information:
• postal address: H–1363 Budapest, P.O. box: 9.
• email: ugyfelszolgalat@naih.hu
• telephone number: +36 (1) 391 1400
• website address: www.naih.hu.
10.12.2. Contact details of the Belgian Data Protection Authority:
Autorité de la protection des données – Gegevensbeschermingsautoriteit (APD-GBA)
• postal address: Rue de la Presse 35 – Drukpersstraat 35, 1000 Bruxelles – Brussels, Belgium
• email: contact@apd-gba.be
• telephone number: +32 2 274 48 00
• website address: https://www.autoriteprotectiondonnees.be/
10.13. Should the Data Subject consider that the Issuer and/or the Programme Owner offended his right to the protection of personal data, he may initiate a legal hearing and may demand the reimbursement of the damage caused to the Data Subject by the illegal processing of his data or by violating the data security, or, in case of the violation of a personality right, the payment of a restitution. In the event of a judicial enforcement, the Data Subject may start the action at the court of his or her residence or habitation.

11. Miscellaneous provisions

11.1. If the Issuer modifies the GTC and such modification affects the Data Processing Policy, the Issuer shall place a notice on the website www.edenred.hu to enable the Data Subject familiarize himself or herself with the modification.

11.2. Where the Issuer and/or the Programme Owner intends to further process the personal data for a purpose other than that for which the personal data were obtained, it will provide the Data Subject prior to that further processing with information on that other purpose and with any relevant further information.

11.3. The Issuer and/or the Programme Owner shall inform the data subject at the latest on the first occasion of disclosing the data also to other recipient(s).

Effective from: 26 January 2022

Edenred Ticket Restaurant SZÉP Card Card Holder GTC

Effective from 26 January 2022

The below information set out the General Terms and Conditions (GTC) concerning the Edenred Ticket Restaurant SZÉP Card used by the Card Holder and regulate the legal relationship of the Card Holder and the Issuer. The conditions set out in the present GTC are accepted by the Card Holder at the time of conclusion of the contract.

1. DEFINITIONS

Activation: the operation executed at the website www.edenredkartya.hu or by using the Edenred Card-Pro Mobile Application available on IOS and Android, during which the Card Holder can perform the process required for using the Card issued to the Card Holder.
Application: The Edenred Pro application, which is a mobile application that can be downloaded from Google Play and Apple Store, and which is used for online customer service.
Transfer: a payment service provided based on the instruction of the Card Holder – as payer –, in the course of which, the Card Holder’s account is charged for the benefit of the beneficiary.
Receipt: the document certifying the Transaction, provided to the Card Holder.
Replacement Card: the Card manufactured by the Issuer, replacing the previous Card following the expiry of its term of validity.
CVC (Card Verification Code – card verification code): the 3-digit numeric code found on the back of the Card, under the Card Number.
Fee: the fees and charges encumbering the Card Holder in connection with the Card, as indicated in Annex 1 (Information on Tariffs) to this 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 Owner’s Edenred Card-Pro mobile application, which enables the Card Holders to register and activate their Edenred Ticket Restaurant Szép card electronically, as well as to track their personal expenses.
Participating Vendor or Service Provider: the natural person, legal entity or other economic entity who/which is in a contractual legal relationship with the Issuer (payment service provider) as specified in Section 1(3) of the Decree and actually provides the services detailed in the same, with the exception of the service intermediary.
Authorisation: the electronic message transmitted by the Issuer to the Participating Vendor, authorising the execution of the transaction.
Contactless Payment: a method of payment enabling Card Holders to pay by touching the Edenred Ticket Restaurant SZÉP Card to the scanner of the POS terminal. No PIN code is required for transactions not exceeding the threshold amount set out in the legislation.
HUF: Hungarian forint, the official currency of Hungary.
Payment Order: the order of the payer or the beneficiary for execution of the payment transaction, submitted to its own payment service provider.
Supervisory Body: The National Bank of Belgium in Belgium, or another supervisory body supervising other European payment service providers.
Card or Edenred Ticket Restaurant SZÉP Card: a plastic cash substitute, which
• enables the Card Holder to submit payment orders exclusively against the SZÉP Card benefits credited to the payment account,
• is readable with an electronic terminal at the Participating Vendor and enables the submission of payment orders via the terminal.
Card Number: the 16-digit number found on the back of the Card.
Card Holder: the natural person who is entitled to use the Card based on the Framework Contract concluded with the Issuer.
Framework Contract: the agreement concluded between the Issuer and the Card Holder concerning the provision of services related to the Edenred Ticket Restaurant SZÉP Card, which includes three payment accounts.
Issuer or Payment Service Provider: PPS EU SA, a company registered in Belgium under the number 0712.775.202, with its registered address at: 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. Issuer qualifies as a payment service provider who is authorised to issue the Card and engage in activities relating to the use of the same as provided in the Decree.
Limited-Purpose Payment Account or Account: the employer benefit as per Section 71(1) of the Personal Income Tax Act (Széchenyi Recreation Card benefit) is credited by the Issuer to the limited-purpose payment account opened and managed based on the framework contract concluded with the Card Holder, the holder of which account may only be a natural person.
Expiration Date: the date indicated on the backside of the Card in the format month/year (the two last digits of the year are indicated on the Card).
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.
Online Transaction: a Transaction initiated on the central web interface developed by the Issuer, transmitted electronically and evaluated by the Issuer immediately.
PIN: personal identification number, PIN code.
POS (or POS terminal): the equipment used for facilitating payments via cash substitute, which enables payment via the data stored on the Card’s chip-equipped data medium.
Programme: the Edenred Ticket Restaurant SZÉP Card Programme, in the scope of which the Card Holder is using the Card.
Programme Owner: 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.
Civil Code: Act V of 2013 on the Civil Code.
Decree: Government Decree 76/2018 (20 April) on the rules of the issue and use of Széchenyi Recreational Cards.
Available Balance: the value of the funds available on the Card for use.
Széchenyi Recreation Card Benefit: the employer benefit defined as per Section 71 (1) of the Personal Income Tax Act.
Personal Income Tax Act: Act of CXVII of 1995 on Personal Income Tax.
Service or Edenred Ticket Restaurant SZÉP Card Service: means the following inseparable services:
• keeping of a limited-purpose payment account
• issue of the Edenred Ticket Restaurant SZÉP Card
• execution of payment transactions)
Durable Data Medium: a device which allows the recipient to store the data addressed to the recipient for a long term, for a time appropriate for the purpose of the data and to display the data stored in unchanged form and with unchanged content.
NACE’08: the Hungarian-language version and equivalent of the NACE Rev. 2 created by Regulation (EC) No 1893/2006 of the European Parliament and of the Council of 20 December 2006 establishing the statistical classification of economic activities NACE Revision 2 and amending Council Regulation (EEC) No 3037/90 as well as certain EC Regulations on specific statistical domains, issued by the Hungarian Central Statistical Office.
Telephone Authorisation Centre: the phone customer service operated by the Issuer or its agent or subcontractor, which, following the identification of the Participating Vendor and the Card Holder, and based on the identification data provided by the Card Holder via phone, certifies that the service (i.e. funds equivalent to the countervalue communicated by the Participating Vendor) is available on the Card Holder’s limited-purpose payment account, and that it can perform such service to the extent of the countervalue based on the payment order submitted by the Card Holder.
Full Deductible Amount: amount of the entire Transaction, including – in addition to the Transaction itself – all connected fees, expenses and taxes.
Transaction or Payment Transaction: any payment transaction executed through the proper use of the Card, as well as the crediting or charging of any amount to the payment account in the course thereof.
Client or Employer: the Card Holder’s employer, who credits the Széchenyi Recreation Card Benefit to the Card Holder’s payment account.
Customer Service: the contact centre responsible for handling requests and questions related to the Card.
www.edenredkartya.hu website, MyAccount: the interface on the Website where – following registration – the Card Holder can access their own Account and view their Available Balance and transaction history online. Internet connection is required to access the website.
www.edenred.hu: Edenred’s website, where these GTC and the Data Processing Policy are available.

2. GENERAL PROVISIONS

2.1. The Service associated with the Edenred Ticket Restaurant SZÉP Card includes the limited-purpose payment accounts created based on the contract concluded with the Issuer and the Edenred Ticket Restaurant SZÉP Card provided by the Issuer as inseparable Services, which Services cannot be requested separately.
2.2. The Card Holder concludes a Framework Contract with the Issuer, which Framework Contract is concluded for an indefinite term. The Framework Contract is concluded by clicking the contract conclusion button after completing the registration form and accepting these General Terms and Conditions. After that, the Card Holder receives the completed Framework Contract and the GTC constituting an integral part thereof on a durable data medium (email). The Framework Contract is valid only if the Card Holder completes the identification process following the conclusion of the contract.
2.3. The Issuer shall be entitled to reject the application for the Edenred Ticket Restaurant SZÉP Card Service without any justification.
2.4. The Issuer shall provide for the manufacture of the Edenred Ticket Restaurant SZÉP Card following the signing of the Framework Contract.
2.5. The Card only enables payment orders against the Széchenyi Recreation Card Benefits credited to the Card Holder’s Account. The Edenred Ticket Restaurant SZÉP Card is not a credit card. Due to the limited-purpose nature of the Account, the Available Balance does not accrue interest, and therefore it cannot be used for savings, only for payment; but in all cases subject to the conditions set out in the Contract and the effective Edenred Ticket Restaurant SZÉP Card GTC available on the www.edenred.hu website.
2.6. The Card was issued by the Issuer based on the permission of Mastercard International Incorporated. A Limited-Purpose Payment Account is associated with the Card. The Issuer shall open the Limited-Purpose Payment Account and perform the Services associated therewith. The Card Holder’s rights and obligations with respect to the use of the Card are regulated by the Framework Contract concluded between the Card Holder and the Issuer; the Card Holder has no legal relationship whatsoever with Mastercard International or its affiliated companies. If the Card Holder detects any problem concerning the use of the Card, the Card Holder shall contact the Customer Service. Amounts are credited to the Card based on the Client’s/Employer’s order, in HUF, under the terms and conditions provided in this document and the contract concluded with the Client/Employer. The Card will remain in the Issuer’s ownership, and the Card Holder is only entitled to use it in accordance with its intended purpose.
2.7. By concluding the Framework Contract, the Card Holder consents to taking over the Card on behalf of the Client.
2.8. The terms and conditions provided in these GTC were made in writing and are available only in Hungarian. The Issuer and the Programme Owner undertakes to liaise with the Card Holder in matters related to the Card and the Account in the Hungarian language.

3. LIMITED-PURPOSE PAYMENT ACCOUNT

3.1. Only funds transferred as Széchenyi Recreation Card Benefit may be credited to the Limited-Purpose Payment Account.
3.2. The Participating Vendor – in the case of acceptance of the payment initiated via the Edenred Ticket Restaurant SZÉP Card – may only provide to the Card Holders the domestic service falling into the scope of activity of the Participating Vendor, complying with the legal conditions concerning the use of the Széchenyi Recreation Card Benefit, as listed in Annex 2.
3.3. The specific Széchenyi Recreation Card Benefits are recorded on subsidiary accounts within the Account:
• accommodation sub-account
• food services sub-account
• leisure sub-account
3.4. The funds transferred to the subsidiary accounts may not be transferred to another subsidiary account, and they may only be kept on record on the subsidiary account indicated in the transfer made by the Client, and only be used for paying the countervalue of the service matching the subsidiary account (except for the intermediation of services), except where the legislation provides otherwise.
3.5. In the case of payment with the Edenred Ticket Restaurant SZÉP Card, the utilised amount is charged against the oldest funds available on the Card.

4. ACTIVATION OF THE CARD

4.1. The Card can only be used after Online 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 Owner for the failure to Activate the Card.
4.2. After activating the Card, the Card Holder will receive a 4-digit PIN code. The PIN must be kept secure at all times, it may not be disclosed to anyone, and when typing it in, the Card Holder must ensure that others cannot read it. The Issuer and the Programme Owner will not disclose the PIN to third parties. If the Card Holder forgets their PIN, they may view it on the www.edenredkartya.hu website or in the Edenred Card-Pro mobile application, under the menu item “View PIN”.

5. USING THE CARD

5.1. The Edenred Ticket Restaurant SZÉP Cards may only be used to pay for the services and goods specified in the Decree and the other decrees and legislation defining the scope of use of the Széchenyi Recreation Card, at Participating Vendors who are in contractual relations with the Issuer. The eligible services are listed in Annex 2 to these GTC. The Issuer and the Programme Owner shall not have any liability for any change of the activity of the Participating Vendors. The balance available on the subsidiary accounts of a given Card may only be utilised for the full or partial settlement of the countervalue of a service for which the subsidiary account is eligible as specified in the Decree and Annex 2 hereto, except where the legislation provides otherwise. The Issuer and the Programme Owner shall not be responsible for the misuse of the Cards. The Card and the Available Balance associated with it may be used only for Transactions executed in HUF, within the territory of Hungary.
5.2. A transaction shall only be authenticated if the Full Deductible Amount is lower than or equal to the Available Balance on the relevant subsidiary account of the Card. The Card cannot be used 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 the Card, the Card Holder shall repay to the Issuer the amount(s) by which the Full Deductible Amount exceeds the Available Balance within 14 days of the receipt of the notice from the Issuer. If the Card Holder fails to pay the amount within 14 days of the receipt of the notice 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.
5.3. The Card Holder can authenticate the Transactions to be carried out with the Participating Vendors by providing their PIN or – in the case of online Transactions – their CVC code in each case. In the event of contactless transactions up to the amount of the payment value threshold set out in the legislation, no PIN code is required for the authentication. The Card Holder shall be responsible for all Transactions authenticated by the Card Holder. The Card Holder may also approve the Transaction by touching the Card to the POS terminal. The Card Holder shall 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 violating the law (e.g. Transactions carried out with a stolen Card).
5.4. The Card Holder can query his Available Balance at the website www.edenredkartya.hu, in the Edenred Card-Pro Mobile Application or by phone.
5.5. For security reasons, the Participating Vendors accepting the Card Holder’s Card shall request authorisation via a POS or VPOS terminal from the Issuer for the Card Holder’s Transactions. In certain cases, the exact amount of the payment order may not be known at the time of approval by the Card Holder (e.g. accommodation). The amount may only be frozen on the Card Holder’s Account if the Card Holder approved the exact amount to be frozen. The amount frozen as described above shall be released when the Issuer is informed of the exact amount of the payment transaction, but at the latest after it has received the payment order. The Card Holder will only be charged for the actual and final amount of the Transaction carried out.
5.6. The Service Provider may not convert the Card Holder’s funds available on the Card – transferred to it as Széchenyi Recreation Card Benefit – to cash or other non-cash means of payment.
5.7. The Participating Vendor shall be entitled to withhold or block the Edenred Ticket Restaurant SZÉP Card if any doubt arises in relation to the user’s identity.

6. PAYMENT ORDERS EXECUTED WITH THE EDENRED TICKET RESTAURANT SZÉP CARD

6.1. The payment transaction taking place via a POS terminal is executed using the chip of the Edenred Ticket Restaurant SZÉP Card (via scanner or touch), the acceptance of which transaction shall be acknowledged by the Card Holder by checking and signing the amount indicated on the printed receipt.
6.2. The Card Holder may initiate an online direct payment transaction via the Edenred Ticket Restaurant SZÉP Card online interface, or in the Edenred Pro application, by selecting the appropriate Participating Vendor, specifying the number of the Edenred Ticket Restaurant SZÉP Card and the amount to be paid.
6.3. The payment transaction may take place on the Participating Vendor’s own online interface too, in which case, the “payment with credit card” option has to be selected.
6.4. The payment transaction executed via the Telephone Authorisation Centre is initiated by the Card Holder by calling the Customer Service, in the course of which, following the identification of the Card Holder, the Card Holder must specify the name and address of the premises of the Participating Vendor, as well as the amount to be charged. In the case of the Card Holder’s consent, the transaction is recorded, of which the Card Holder and the Participating Vendor receives confirmation in email.

7. CREDITING TO THE CARD, RECALLING ERRONEOUSLY GRANTED EMPLOYER BENEFITS

7.1. The Card Holder cannot credit funds to the Card. Only the Client shall be entitled to credit funds to the Card through the Issuer. If the Client wishes to credit further funds to the Card, then it will be credited to the Available Balance on the Card following the receipt of the Programme Owner’s order and the receipt of the transfer by the Client to the Issuer.
7.2. The Issuer shall send a notice to the Card Holder on each occasion when funds received from the Client are credited to the Card Holder’s Account as Széchenyi Recreation Card Benefit.
7.3. The Issuer shall return the employer benefit transferred by the Client by mistake, if:
• the Client requests recall of the transfer at its account-managing bank
• the Card Holder consents to the recall of the transfer order
• the entire amount or a portion of the amount of the mistaken transfer is available.

8. EXPIRATION DATE OF THE CARD

8.1. The Edenred Ticket Restaurant SZÉP Card is issued for a term of validity of 5 (five) years. The expiration date of the Card is printed on the backside of the Card. The Card Holder may not use the Card after its expiry. In the case of renewing the Card, the Issuer reserves the right to block or restrict the use of the expiring Card following activation of the renewed Card.
8.2. The Issuer shall provide for manufacturing the new Card prior to the expiry of the Edenred Ticket Restaurant SZÉP Card, if:
• there is sufficient balance on the Edenred Ticket Restaurant SZÉP Card
• or any benefit was credited to the Account associated with the Edenred Ticket Restaurant SZÉP Card in the 24 months prior to the expiry of the Card.

9. LIABILITY OF THE CARD HOLDER; AUTHENTICATIONS

9.1. The Issuer may restrict or deny the authentication of the Card if the Card is or may be used in breach of this Contract, or if the Issuer suspects on reasonable grounds that the Card Holder or a third party committed or intend(s) to commit a crime or other abuse in connection with the Card.
9.2. If the Issuer has to investigate a Transaction carried out with the Card, the Card Holder is obliged to cooperate with the Issuer or – if necessary – any other official body.
9.3. The Card Holder must never:
9.3.1. let anyone else use their Card, or gain access to it in any way;
9.3.2. write their PIN code, CVC number, password or any other security information related to the Card, the Account or the Website identification data on their Card or anywhere else;
9.3.3. disclose or otherwise make available their PIN code to anyone else in writing, in a manner that it may be observed by others when entering the code or otherwise;
9.3.4. share with or otherwise make accessible to third parties the Card, the Account or the Website access data;
9.3.5. transfer, pledge, or give as collateral the Card, as these constitute serious breach of contract.
9.4. The Card Holder shall protect the Card from strong heat, sunlight, and magnetic environments. Any damage or cost (replacement of the Card) resulting from any damage caused to the Card by such reasons shall be borne by the Card Holder, the amount of which is set out in Annex 1 (Card Replacement Fee) to these GTC.
9.5. The Card Holder is responsible for any Transaction that is authenticated via their signature, PIN code or CVC code, or where in the event of contactless transactions, the Card Holder is unable to prove that no third person could access their Card.
9.6. The Card Holder agrees to hold harmless and indemnify the Issuer, its 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 the Card by the Card Holder or authenticated by the Card Holder.
9.7. The Card Holder 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.
9.8. The Card Holder expressly acknowledges and agrees that the Participating Vendor and/or the Card Holder shall be liable for any legal consequences arising from the unlawful use of the Card, and therefore the Programme Owner or the Issuer shall not have any liability in this regard.
9.9. If any reimbursement becomes necessary for the Card Holder under the legal relationship established between the Participating Vendor and the Card Holder, then – upon the written request of the Participating Vendor or the Card Holder and following the identification of the transaction – the Issuer and the Programme Owner execute the crediting, provided that if the payment for the Participating Vendor has already been executed, then it credits the amount to be reimbursed to the Card Holder’s Card only once the full amount is reimbursed by the Participating Vendor to the Issuer.
9.10. The Card Holder 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 Vendor only, in the form of a jointly submitted unanimous declaration.
9.11. The Card Holder expressly acknowledges and agrees that the settlement or reimbursement between him and the Participating Vendor – 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 Owner or the Issuer, thus on no legal grounds may the claims between the Participating Vendor and the Card Holder be enforced against the Programme Owner or the Issuer, who expressly and fully exclude any such liability.
9.12. The Card Holder shall report without delay if:
• the Card Holder did not take over the Edenred Ticket Restaurant SZÉP Card, or it was lost in delivery
• the Edenred Ticket Restaurant SZÉP Card was stolen or lost
• the authentication data associated with the Edenred Ticket Restaurant SZÉP Card were acquired by an unauthorised third party
• the Edenred Ticket Restaurant SZÉP Card was used without authorisation or the Card Holder’s approval.

10. LOST, STOLEN OR DAMAGED CARDS; UNAPPROVED PAYMENT TRANSACTIONS

10.1. The Card Holder should treat the Széchenyi Recreation Card Benefit on their Card like cash in their wallet. If the Card Holder loses their Card or if it is stolen, the amount on it may be lost just as if it had been in their wallet.
10.2. 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, the Card Holder shall contact the Customer Service immediately. The Card Holder has to provide the Card number in order for the Customer Service to deal with their issue. Alternatively, the Card Holder can arrange for the blocking of their Card at the website www.edenredkartya.hu or in the Edenred Mobile Application. The blocking is irreversible. Blocked and subsequently Cards cannot be used anymore. If the blocking of the Card is not imputable to the Card Holder, the Issuer shall provide the new Card to the Card Holder free of charge; otherwise, the Card Holder shall request a new Card, the cost of which is set out in Annex 1 (Card Replacement Fee) to these GTC.
10.3. Provided that the Card Holder notified the Issuer in accordance with Clause 10.2, and Clause 10.5 does not apply, the Card Holder will not be liable for losses incurred after the time they notified the Customer Service in accordance with the above. With respect to unapproved payment transactions that took place due to the Card Holder’s loss of possession of the Edenred Ticket Restaurant SZÉP Card, the Card’s having been stolen, or unauthorised use of the Card, the Card Holder shall bear the damages up to an amount equivalent to fifteen thousand forints prior to the making of the report for the blocking of the Card.
10.4. If the reported event was caused by the Card Holder’s breach of contract or their imputable conduct, or in case reasonable suspicion of fraudulent or improper conduct arises with respect to it, the Card Holder will be held liable for all losses.
10.5. The Card Holder shall not bear the above liability if
10.5.1. it was not possible for the Card Holder to become aware of the theft, loss of possession or unauthorised use of the Edenred Ticket Restaurant SZÉP Card prior to the execution of the payment transaction,
10.5.2. the damage was caused by the action or omission of the Issuer’s employee, payment intermediary or branch office, or the entity conducting the activity outsourced to the Issuer.
10.6. In the case the blocking of the Card is initiated by the Issuer, the Issuer shall notify the Card Holder regarding the fact and reason of the blocking, provided that this does not jeopardise the safety of the Issuer’s operation. Any breach or omission of the obligations set out in the Framework Contract shall result in the blocking of all Cards associated with the Framework Contract.
10.7. In the case of suspicion of abuse, the Issuer will restrict the use of the Card, of which the Card Holder will be notified via phone or in writing. If the Card Holder does not contact the Issuer in response to the notice within 15 days following the receipt of the written notice, the Issuer will block the Edenred Ticket Restaurant SZÉP Card.

11. PROCEDURE IN THE CASE OF THE CARD HOLDER’S DEATH

11.1. In the case of the Card Holder’s death, if probate proceedings commence with respect to the Card Holder, the Issuer suspends the possibility of disposing over and accessing to the Card Holder’s Account until the grant of probate or, in the case of a succession suit, the judicial decision providing for the full handover of the estate becomes final and binding (hereinafter: “final decision”).
11.2. In the case of the Card Holder’s death, the Issuer shall, with the exception set out in Clause 11.3, depending on the choice of the entitled persons specified in the final decision, pay the amount of the balance of the account to the entitled persons in cash, or transfer it to the payment account specified by the entitled persons, at the latest within 15 business days following the presentation of the final decision to the Issuer.
11.3. If the certified entitled person is the holder of a limited-purpose payment account as specified in Section 2(1) of the Decree, then the amount to be paid to them pursuant to Clause 11.2 shall be settled by transferring it to the subsidiary account of their limited-purpose payment account specified in their statement made concurrently with the presentation of the final decision to Issuer.
11.4. For the purposes of this Clause, the certificate of inheritance and the European certificate of inheritance shall qualify as equivalent to the grant of probate providing for the full handover of the estate.

12. FEES

12.1. The amount of the fees and costs arising in the course of use of the Edenred Ticket Restaurant SZÉP Card are set out in Annex 1. The Issuer shall be entitled to determine the fees up to the highest amounts set out in the effective version of the Decree, and unilaterally amend Annex 1 in the case of a change of the legislation.
12.2. The Issuer shall provide the Edenred Ticket Restaurant SZÉP Card for the Card Holder free of charge, while the fees due for replacement cards as set out in Annex 1 (Card Replacement Fee) to these GTC shall be invoiced to the Card Holder. The Issuer will charge the replacement card fee to the subsidiary account indicated by the Card Holder in the Card Holder’s statement, provided that sufficient funds are available on the given subsidiary account. The Issuer will not manufacture the replacement card and hand it over to the Card Holder until the replacement card fee is paid.
12.3. A fee will be charged to the Card Holder to the extent of and against the funds not used by 31 May of the second calendar year following the transfer of the amount to the Edenred Ticket Restaurant SZÉP Card as benefit (Montly Fee). The amount of the Monthly Fee shall be determined against the unused balance and the oldest funds credited to the Account in the course of determination of the Monthly Fee charged thereon. The amount of the Monthly Fee is set out in Annex 1.

13. ACCOUNT STATEMENT, ACCOUNT INFORMATION

The Issuer shall make it possible for the Card Holder to make an online query concerning the turnover and balance of their Limited-Purpose Payment Account – by subsidiary account – on the www.edenredkartya.hu website, and in the Edenred Mobile Application, broken down by individual transaction and turnover period; as well as to make an inquiry concerning the balance of their Limited-Purpose Payment Account via phone, at the phone number specified in Clause 22 of the GTC.

14, DISPUTES, REFUNDS

14.1. If the Card Holder has reason to suspect that a Transaction for which their Card was used was unauthorised or was carried out by mistake for the Available Balance of the Card used by them, the Issuer will examine the Account and the circumstances of the Transaction, provided that the Card Holder notifies the Issuer within 13 months of the date of the Transaction. In this scope, the Issuer may require the Card Holder to contact the relevant authorities in connection with the disputed Transaction.
14.2. If, based on the evidence available to the Issuer at the time when the Card Holder reports the unauthorised Transaction, the Issuer has no reasonable cause to assume that the Card Holder failed to comply with the requirements of these GTC due to negligence or on purpose, or that the Card Holder acted in a fraudulent manner, the Issuer will refund all unauthorised Transactions to the Card’s Available Balance.
14.3. However, if the Issuer receives information that suggests that the disputed Transaction was real, the Issuer will be entitled to deduct the value of any such Transaction from the Available Balance of the Card used by the Card Holder.
14.4. The Issuer reserves the right not to refund the Card Holder such amounts to their Card’s Available Balance if the Card Holder acted in breach of this Contract or if the Card Holder did not report any possible fraudulent claims to the competent authorities.
14.5. The Issuer will investigate the request for refund and the documents supporting it. In the course of evaluating the request, the Issuer shall be entitled to require further information and documents.
The Issuer shall refund the amount specified in the request for refund found to be justified within 10 business days to the Card Holder’s Account, to the extent of the entire amount of the executed payment transaction. The value date of the transfer will match the value date of the charging of the amount to be refunded.
The Issuer shall be entitled to reject the request for feedback as a result of the evaluation of the request, of which it shall notify the Card Holder in writing.
If the Participating Vendor indemnified the Card Holder directly, the Issuer shall be entitled to charge the Card Holder’s Account for the refunded amount.

15. COMPLAINTS

15.1. Any complaint made in connection with these General Terms and Conditions has to be reported to the Programme Owner via the Customer Service mentioned in Clause 22 of these GTC.
15.2. The handling of complaints related to the Edenred Ticket Restaurant SZÉP Card shall be governed by those set out in Edenred’s Complaint Management Regulation. If the Card Holder disputes the lawfulness of any given transaction, the Issuer will start the complaints procedure based on the report, to which the Card Holder shall attach and indicate the following: the reason of the complaint, the disputed amount, the correct amount of the transaction according to the Card Holder, and all certificates and documents that support that the complaint is justified.
15.3. In the case of a request (by the Card Holder) for correction of an unapproved payment transaction or an approved payment transaction that was executed erroneously, the Issuer shall prove – potentially via authentication – that the Card Holder approved the disputed payment transaction, that the payment transaction was recorded appropriately, and that execution was not obstructed by technical issues or the breakdown of the Service provided by the Issuer.
15.4. If the Card Holder thinks that their complaint was not answered, they do not accept the answer, or they think that their complaint was inappropriately handled or unjustly rejected by the Issuer and the Programme Owner, the Card Holder shall be entitled to contact the Financial Consumer Protection Centre of the National Bank of Hungary (Hungarian abbreviation: MNB) with their complaint in writing, and request that proceedings by the Financial Mediation Body operated by the MNB or judicial proceedings be initiated. The complaint may be submitted at the following contact points of the MNB:

National Bank of Hungary – Financial Consumer Protection Centre
postal address: H-1534 Budapest BKKP Pf. 777
phone: +36 80 203-776
email address: ugyfelszolgalat@mnb.hu

Financial Mediation Body
postal address: H-1525 Budapest, Pf. 172
phone: +36 80 203 776
email address: ugyfelszolgalat@mnb.hu

16. AMENDMENTS

16.1. If any part of this Card Holder GTC conflicts with any legal or regulatory requirement, then the Issuer will not effectuate that part of the Contract, and the Issuer will consider it as if it reflected the provision contained in the relevant legal or regulatory requirement. If the Issuer has to make changes with respect to its operations in order that the Issuer be able to fully comply with the new legal or regulatory requirements, the Issuer will take the necessary steps as soon as reasonably practicable.
16.2. If the Issuer introduces new Services or expands its Services, the Issuer shall be entitled to amend the provisions of the GTC and the Framework Contract. In addition, the Issuer shall also be entitled to unilaterally amend the provisions of the GTC and the Framework Contract if this is necessary due to a change of legislation or changes of the other provisions relevant to the Issuer’s activity and the given Service.
16.3. The Issuer shall be entitled to unilaterally amend the Contract in a way that is not adverse for the Card Holder, which amendment shall be published by the Issuer at least 15 days before such amendments enter into force, and it shall also disclose specific information on the amendment on the website www.edenred.hu .
16.4. The Issuer informs the Card Holder about any amendments that are adverse to the Card Holders two months prior to the entry into force of such amendments on the website www.edenred.hu. If the Card Holder 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 Card Holder. The Card Holder shall have the right to immediately terminate the Framework Contract without any fee or charge payment liability or other payment liability until the entry into force of the amendments, in accordance with the effective GTC, in which case the Card Holder and the Issuer shall settle their accounts with each other. After the amendment enters into force, the legal relationship between the Parties will be governed by the provisions of the amended GTC.

17. TERMINATION AND SUSPENSION

17.1. If the Card Holder is not entitled to use the Card any longer for any reason, the Card will be blocked immediately.
17.2. The Card Holder shall be entitled to terminate the Framework Contract with immediate effect if the Issuer breaches any of its material obligations set out in the Framework Contract.
The Issuer may terminate or suspend the Framework Contract with immediate effect (extraordinary termination) in the following cases:
• if the Card Holder repeatedly and severely breached the Framework Contract or the legislation governing the relationship of the Issuer and the Card Holder, or if the Card Holder used or intended to use the Card in an imputable and fraudulent manner or for unlawful purposes, or if due to the actions of third parties, the Issuer is no longer able to process the Card Holder’s Transactions, or if the Issuer reasonably assumes that a security problem arose with respect to the Card,
• if the Card Holder does not comply with their obligation to cooperate and provide information as set out in the legislation,
• if due to circumstances outside the Issuer’s scope of control, the Issuer cannot be expected to maintain the contractual relationship, or that would infringe the Issuer’s business interests.
In the case of extraordinary termination of the Framework Contract, the Card Holder shall return the Edenred Ticket Restaurant SZÉP Card to the Issuer; otherwise, the Card will be blocked. Any damage resulting from the Card Holder’s failure to return the Card shall be borne by the Card Holder.
17.3. The Framework Contract shall terminate by mutual consent at the date agreed on by the Issuer and the Card Holder.
17.4. The Framework Contract shall terminate with ordinary notice on the last day of the notice period. The Card Holder may terminate the Framework Contract subject to 30 days written notice, without justification. The Issuer will terminate the Framework Contract – and immediately block the Edenred Ticket Restaurant SZÉP Cards associated with the Accounts – at the time of processing of the proper written termination following the receipt thereof via postal mail.
17.5. The Issuer may terminate the Framework Contract and cancel the Edenred Ticket Restaurant SZÉP Card if no funds are available on the Account associated with the Edenred Ticket Restaurant SZÉP Card for 24 consecutive months. The Issuer shall inform the Card Holder regarding the termination of the Framework Contract and the cancellation of the Edenred Ticket Restaurant SZÉP Card in advance, at least two months prior to the termination.
17.6. If the Edenred Ticket Restaurant SZÉP Card is not returned or invalidated concurrently with the termination of the Framework Contract, the Issuer will block the Edenred Ticket Restaurant SZÉP Card.
17.7. In the case of the Card Holder’s death, the Framework Contract shall terminate at the time when the Issuer learns of this from a credible source.
17.8. The Issuer shall settle accounts with the Card Holder at the time of termination of the Framework Contract. The termination of the Framework Contract shall not result in termination of the Parties’ obligation to settle their accounts or their payment liabilities.
17.9. If the Issuer suspends or terminates the Card Holder’s Account or Card, it will immediately notify the Card Holder regarding that the Card and/or the Account has been suspended or terminated, as well as the reason thereof, except where the Issuer is unable to do so due to legal or security reasons.

18. THE PROGRAMME OWNER’S AND THE ISSUER’S LIABILITY

18.1. The following exceptions and restrictions apply to the Issuer’s liability in connection with this Contract (relating to damages arising in connection with the provisions of the Contract or otherwise – including negligence – the breach of statutory duties or other):
18.1.1. the Issuer assumes no liability for any damages arising directly or indirectly from reasons beyond its control (including but not limited to the failure of network services and data processing systems);
18.1.2. the Issuer assumes no liability for lost profit, loss of business or any indirect, consequential, special or punitive damage or loss;
18.1.3. if the Card is faulty due to the Issuer’s negligence, the Issuer’s liability will be limited to the replacement thereof; and
18.1.4. in any other event of the Issuer’s default, the Issuer’s liability will be limited to the reimbursement of the Available Balance on the Card Holder’s Card.
18.2. No provision of this Contract may exclude or limit the Issuer’s liability for any deaths or personal injuries that occur due to the Issuer’s negligence or fraud.
18.3. The Issuer expressly excludes the conditions and warranties set out in law to the largest extent allowed by the law.
18.4. The exclusions and limitations of liability set out in Clause 9 and this Section 18 are also applicable to any liability arising vis-á-vis the Card Holder in connection with this Contract on the side of the Issuer’s affiliated companies such as the Programme Owner, MasterCard International Incorporated and other suppliers, contractors, agents, distributors and the affiliates thereof.
18.5. The Card Holder may settle any disputed issue arising in connection with their purchases made with the Card with the merchant. Neither the Programme Owner nor the Issuer assumes liability for the quality, safety, legality or any other property of the goods and services purchased with the Card.

19. PROCESSING OF PERSONAL DATA

19.1. 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].
19.2. Summary table of the Issuer’s and Programme Owner’s processing of personal data:

Summary of the Issuer’s processing of data concerning the Edenred Ticket Restaurant SZÉP

Card Service provided to the Card Holder
Data Controller Issuer
The purposes of the processing Performance of the Edenred Ticket Restaurant SZÉP Card Services included in the Card Holder contract
Legal grounds for data processing The performance of the Contract concluded between the Issuer and the Card Holder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s given name; Data Subject’s surname at birth; Data Subject’s given name at birth; name on card (max. 21 characters); date of birth; place of birth; mother’s maiden name; Data Subject’s citizenship; postal address or, in the absence thereof, place of residence (postcode, city/town, street name and number); type of the Data Subject’s ID document; number of the Data Subject’s ID document; expiry date of the Data Subject’s ID document; copies of the Data Subject’s documents; Data Subject’s image, PEP status;
Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial number of the card; transaction details; transaction history; Data Subject’s workplace; Data Subject’s bank 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 Edenred Ticket Restaurant SZÉP Card 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 Ticket Restaurant SZÉP Card Service
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the Edenred Ticket Restaurant SZÉP Card Service

 

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

 

Summary of the processing of data related to the Programme Owner’s marketing and advertising activity
Data Controller The Programme Owner is the Data Controller in relation to the data processing related to the Programme Owner’s marketing and advertising activity.
The purposes of the processing Sending marketing and advertising messages to the Card Holder
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 Notice made available at the website www.edenred.hu.

 

19.3. Should the Card Holder not provide the personal data essential for the provision of the Issuer’s services, then the Card Holder will not be able to use the Issuer’s services.
19.4. The Card Holder may contact the Programme Owner 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 or dpo.hungary@edenred.com e-mail addresses.

20. GENERAL PROVISIONS

20.1. If the Issuer does not exercise or delays 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.
20.2. 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.
20.3. The Card Holder may not assign or transfer its rights and/or benefits arising from these General Terms and Conditions. The liability of the Card Holder will continue until all Cards given into his/her use are cancelled or expired, and all amounts payable under these GTC are fully paid by the Card Holder. The Issuer may assign its rights and benefits at any time without notifying the Card Holder in writing. The Issuer may subcontract any of its obligations arising from these GTC.
20.4. 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) persons specified in Clause 18 shall be entitled to enforce the contents of Clause 14.
20.5. This Contract is governed by the Belgian law, and the Card Holder consents to the non-exclusive jurisdiction and competence of the courts of Belgium. This provision is for the benefit of the Card Holder and does not restrict its right to initiate proceedings at the courts specified in Section 624(1), (2) and (4) of the Belgian Courts Act.
20.6. In accordance with Articles VII.5 and VII.29 of Book VII of the Belgian Code of Economic Law, the Card Holder explicitly agrees 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.

21. PROVISION OF INFORMATION AND COMMUNICATION

21.1. The language of the Contract is the Hungarian.
21.2. The Issuer shall comply with its statutory obligation to provide prior information by publishing the GTC on the website www.edenred.hu, and by delivering a copy of the Framework Contract to the Card Holder on a Durable Data Medium prior to the conclusion of the Framework Contract.
21.3. The Issuer provides information to the Card Holder initiating the establishment of the Contract about the GTC and the fees, as well as any modifications or amendments made to these by disclosure on the website www.edenred.hu.
21.4. The Parties agree that the Transactions executed with the Card and creditings to the Card, as well as all data related to the Transactions, will be available after their execution at the website www.edenredkartya.hu and via the Edenred Card-Pro mobile application.
21.5. The Card Holder can obtain information about the Card balance at any time by visiting the website www.edenredkartya.hu or via the Edenred Card-Pro mobile application.
21.6. The Card Holder expressly agrees that, during the term of the Contract, communication with the Issuer and the Programme Owner will primarily take place by electronic means via the e-mail address provided by the Card Holder, and that they will regard this communication as valid and legally effective concerning the Contract, including any legal statements made in connection with the same.
21.7. The Parties agree to consider the e-mails as delivered on the second day following the sending of such e-mails.
21.8. The Issuer and the Programme Owner will send the notifications and statements primarily to the Card Holder’s e-mail address entered during the course of the Card Holder’s registration at the website www.edenredkartya.hu. Should the postal address of the Card Holder change, the Card Holder shall be obliged to notify the Issuer and the Programme Owner thereof, the Issuer and the Programme Owner shall not be liable for any damages arising from the failure to do so. The Issuer and the Programme Owner shall not be held liable for any damages arising from the failure to receive such notifications, including the case where the Card Holder entered an incorrect e-mail address or if the e-mail address no longer exists, or if the Card Holder has no longer access to the entered e-mail address.
21.9. The Card Holder can communicate with the Issuer via the Customer Service.
21.10. No special browser settings are required to be able to use the Edenred Card-Pro mobile application and the websites www.edenredkartya.hu and www.edenred.hu, the services are available with the default browser settings.

22. CUSTOMER SERVICE

22.1. If the Card Holder needs help, Customer Service shall be called at the number +36 1 382 4000 in the business hours indicated on the website www.edenred.hu, or contacted by using the online interface also available on www.edenred.hu.
22.2. Identification of the Card Holder may be necessary to use certain services of the Customer Service. Identification questions will be based on the Card Holder’s available data.
22.3. 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.
22.4. Available Balance inquiry and Card Blocking are available to Card Holders 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.

Annexes

The following 3 Annexes constitute integral parts of these GTC:

Annex 1: Information on Tariffs
Annex 2: Available Domestic Services and Goods Sold
Annex 3: Data Processing Policy

The Issuer reserves the right to unilaterally amend these annexes. The Issuer shall make available the applicable annexes to the Card Holders on the www.edenred.hu website.

Annex 1: Information on Tariffs

1. Fees and Charges

a. Card and Card Replacement Fees

Type of Card Card Fee*
(manufacture and delivery of new cards)		 Card Replacement Fee* (replacement of lost, stolen, damaged cards)
Main Card free of charge 1,500 HUF/card

 

*The fee established in the Decree in force at all times

b. Monthly fee charged for unused financial asset
The monthly fee charged equals to 3% of the unused financial asset, but at least 100 HUF. If the unused amount is less than 100 HUF, the fee equals to the unused amount.

2. Miscellaneous provisions

Any fee and charge specified in this annex shall be considered in HUF. VAT shall be determined in accordance with applicable laws.

 

The fees and charges specified in this annex are in force from 26 January 2022.

Annex 2: Available domestic services and goods sold

1. Services chargeable to the accommodation sub-account:
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)
• any service that is available and can be paid for along with the accommodation service
• physical well-being activities (activities of spas under NACE’08 96.04.)
• other amusement and recreation activities (beach service under NACE’08 93.29.)

2. Services chargeable to the food services sub-account:
• restaurant and mobile food service activities (NACE’08 56.10.)
• other food service activities (NACE08’ 56.29.)
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• physical well-being activities (activities of spas under NACE’08 96.04.)
• other amusement and recreation activities (beach service under NACE’08 93.29.)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)

Charged to the food services sub-account for food sold between 1 February 2022 and 31 May 2022:
• retail sale in non-specialised stores with food, beverages or tobacco predominating (NACE’08 47. 11)
• retail sale of fruit and vegetables in specialised stores (NACE’08 47.21)
• retail sale of meat and meat products in specialised stores (NACE’08 47.22)
• retail sale of fish, crustaceans and molluscs in specialised stores (NACE’08 47.23)
• retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores (NACE’08 47.24)
• other retail sale of food in specialised stores (NACE’08 47.29)
• retail sale via stalls and markets of food, beverages and tobacco products (NACE’08 47.81)

The definition of Food and the products to be covered by this category for the purposes of this contract and the Decree:
In accordance with Annex 1 of Commission Implementing Regulation (EU) 2021/1832 of 12 October 2021 amending Annex I to Council Regulation (EEC) No 2658/87 on the tariff and statistical nomenclature and on the Common Customs Tariff:
(a) products of Sections I to IV, excluding spirits and tobacco and manufactured tobacco substitutes; and
(b) of the products of Section V, salt.

3. Services chargeable to the leisure sub-account:
• other human health activities (under NACE’08 86.90.: physiotherapy service, dental hygiene treatment, diagnostic service, prenatal care and other human health activities n.e.c.)
• performing arts (NACE08’ 90.01.)
• museums activities (NACE’08 91.02.)
• botanical and zoological gardens and nature reserves activities (NACE’08 91.04.)
• activities of amusement parks and theme parks (NACE’08 93.21.)
• other amusement and recreation activities (leisure park and beach services, ski resort and sport boat harbour services and the renting of equipment provided by the operator of the leisure facility used for recreation and leisure purposes under NACE’08 93.29.)
• physical well-being activities (NACE’08 96.04.)
• fitness facilities (NACE’08 93.13.)
• other sports activities (under NACE’08 93.19.: participation and registration fees of leisure sports events related to the activities of racing and riding stables, of sport fishing and other sports events)
• inland passenger water transport (NACE’08 50.30.)
• other reservation service and related activities (tour guiding under NACE’08 79.90.)
• operation of sports facilities (under NACE’08 93.11.: renting of sports fields, sales of swimming pool ticket and season ticket)
• activities of sport clubs (NACE’08 93.12.)
• sports and recreation education (NACE’08 85.51.)
• renting and leasing of recreational and sports goods (NACE’08 77.21.)
• accommodation services (NACE’08 55.10., 55.20., 55.30.)
• interurban passenger transport by rail (from NACE’08 49.10 only passenger transport by narrow-gauge railway)
• domestic travel agency and domestic tour operator services (from NACE’08 79.11 domestic accommodation and domestic tour reservation services, from 79.12 domestic package travel agency services)

Annex 3: Data Processing Policy

On behalf of PPS EU SA, Edenred Magyarország Korlátolt Felelősségű Társaság [Edenred Hungary Limited] (head office/official mailing address: H–1134 Budapest, Váci út 45. , company registration number: 01-09-266926; electronic contact details: ugyfelszolgalat-hu@edenred.com and dpo.hungary@edenred.com; information related to data processing on the website: https://adatvedelem.edenred.hu/adatkezelesi-tajekoztato/; phone: +36 1 413 3333, represented by: Tamás Szendrő, hereinafter: Programme Owner) in accordance with the related legislative provisions specifying the protection of personal data1, hereby informs the data subjects on the applied data processing activities.
1. Presentation of data processing

PPS EU SA (a company registered in Belgium under the number 0712.775.202, having its address under 1160 Brussels, boulevard du Souverain 165 boîte 9, Belgium, hereinafter: Issuer) provides services to legal and natural persons (hereinafter: Client) and natural persons (hereinafter: Card Holder/Data Subject) , under the scope of which service provision the Issuer.
The Issuer and the Programme Owner pays prompt attention on the protection of personal data, and for this reason it permanently takes due care to guarantee fair and transparent processing the essential requirement of which is to provide appropriate information on the processing of data. This Data Processing Policy provide information regarding, among others, the processing of personal data in the course of provision of the services of the Issuer and the Programme Owner and data processing for advertising purposes: the source and scope of acquiring the processed data, the legal basis, purpose and term of the data processing, the rights concerning and the options of choice between personal data, and it also includes all the contact details in which the Data Subject can get answers to his questions on the Issuer and the Programme Owner’s practice of data protection.

 

Summary of the data processing activities related to the Issuer’s Service provided to the Client
Data Controller Issuer
The purposes of the processing Performance of the services included in the Client contract: management of card crediting
Legal grounds for data processing Conclusion and performance of a contract in the interest of the Data Subject [Article 6 (1) (b) of GDPR].
Scope of the processed data Name, position and contact details (phone number, email address) of the contact person;
Data processing prior to the conclusion of a Limited-Purpose Payment Account contract: surname, given name, date of birth, email address;
Data processed during card crediting: surname, given name, date of birth, card serial number, sub-account;
Data request: card serial number, name indicated on the card, surname, given name, date of birth, expiry date of the card, card type, status

 
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 service provided to the Client
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting Services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the service

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

Summary of the Issuer’s processing of data concerning the Edenred Ticket Restaurant SZÉP Card Service provided to the Card Holder
Data Controller Issuer
The purposes of the processing Performance of the Edenred Ticket Restaurant SZÉP Card Services included in the Card Holder contract
Legal grounds for data processing The performance of the Contract concluded between the Issuer and the Card Holder [Article 6 (1) (b) of the GDPR]
Scope of the processed data Data Subject’s surname; Data Subject’s given name; Data Subject’s surname at birth; Data Subject’s given name at birth; name on card (max. 21 characters); date of birth; place of birth; mother’s maiden name; Data Subject’s citizenship; postal address or, in the absence thereof, place of residence (postcode, city/town, street name and number); type of the Data Subject’s ID document; number of the Data Subject’s ID document; expiry date of the Data Subject’s ID document; copies of the Data Subject’s documents; Data Subject’s image, PEP status;
Data Subject’s email address; Data Subject’s mobile phone number; amount to be credited; serial number of the card; transaction details; transaction history; Data Subject’s workplace; Data Subject’s bank 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 Edenred Ticket Restaurant SZÉP Card 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 Ticket Restaurant SZÉP Card Service
Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
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 related to the Edenred Ticket Restaurant SZÉP Card Service

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

Summary of the processing of data related to the Programme Owner’s marketing and advertising activity
Data Controller The Programme Owner
The purposes of the processing Sending marketing and advertising messages to the Card Holder
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

 

Summaries merely serve the purposes of convenience. Please read the complete information.

 

2. Definitions
Definitions used in this Data Processing Policy match the definitions included in the Card Holder and Employer Client GTC related to Edenred Ticket Restaurant SZÉP Card. For enhancing the interpretation of the Data Processing Policy, below we repeat certain definitions:
2.1.1. Card or Edenred Ticket Restaurant SZÉP Card: a plastic cash substitute, which:
• enables the Card Holder to submit payment orders exclusively against the SZÉP Card benefits credited to the payment account,
• is readable with an electronic terminal at the Participating Vendor, and enables the submission of payment orders via the terminal.

2.1.2. Authority: means the Hungarian National Authority for Data Protection and Freedom of Information or the Belgian Data Protection Authority (Autorité de la protection des données – Gegevensbeschermingsautoriteit, APD-GBA).
2.1.3. Card Holder: the natural person who is entitled to use the Card based on the Framework Contract concluded with the Issuer.
2.1.4. Participating Vendor or Service Provider: the natural person, legal entity or other economic entity who/which is in a contractual legal relationship with the Issuer (payment service provider) as specified in Section 1(3) of the Decree and actually provides the services detailed in the same, with the exception of the service intermediary.
2.1.5. Issuer or Payment Service Provider: PPS EU SA, a company registered in Belgium under the number 0712.775.202, with its registered address at: 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. Issuer qualifies as a payment service provider who is authorised to issue the Card and engage in activities relating to the use of the same as provided in the Decree.
2.1.6. Programme Owner: 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.
2.1.7. Decree: Government Decree 76/2018 (20 April) on the rules of the issue and use of Széchenyi Recreational Cards.
• Service or Edenred Ticket Restaurant SZÉP Card Service: all services provided to the Card Holder by the Issuer.
2.1.8. Client or Employer: the Card Holder’s employer, who credits Széchenyi Recreation Card Benefit to the Card Holder’s payment account.

3. Data Subject

Data Subjects include employees of the legal and natural persons (Client) ordering the services of the Issuer and the Programme Owner.
4. Sources of the acquisition of personal data by the Issuer and the Programme Owner
The Issuer and Programme Owner obtain certain personal data of the Data Subject not directly from the Data Subject, but – having regard to the characteristics of the service – partly from the Client via data transfer. At the same time, however, the Issuer will, during the online contracting necessary for using the Card, request such personal data directly from the Data Subject that are essential for the establishment of the contract and the provision of the services related to the Card, while they are not required for the placement of the Order.
5. Legal grounds for data processing
5.1. The legal basis to the data processing strictly necessary for providing the Service is the conclusion and performance of the contract in the interest of the Data Subject on the basis of the contract established by and between the Issuer and the Client in relation to the cards ordered for the Data Subject [GDPR Article 6(1)(b)].
5.2. The legal basis of the data processing strictly necessary for the Issuer to perform the Edenred Ticket Restaurant SZÉP Card Service provided to the Card Holder is the performance of the Edenred Ticket Restaurant SZÉP Card contract concluded by and between the Issuer and the Data Subject: manufacturing, activating, crediting and using the Card, ensuring access to data [e.g. transaction history, available balance], processing of transactions [Article 6(1)(b) of the GDPR]. Should the Data Subject fail to provide the personal data strictly necessary for the Issuer to provide the Edenred Ticket Restaurant SZÉP Card Service, the Data Subject will not be able to call upon the services provided by the Issuer and the Programme Owner. The Issuer acts as data controller with regard to the data processing related to the contract concluded by and between the Issuer and the Data Subject.
5.3. The legal basis for the Programme Owner for the data processing concerning the sending of advertisement is the Data Subject’s consent [Article 6 (1) (a) of the GDPR and Article 6 (1) of Act XLVIII of 2008 on the Basic Requirements of and Certain Restrictions on Commercial Advertising Activities]. The Data Subject may provide his consent to receive advertisement on the Programme Owner’s website or in the Edenred mobile application.

6. The purpose of the data processing, the scope of data processed, the term of data processing

6.1. Data processed for the purposes of complying with the Client GTC, term of the data processing

6.1.1. The Issuer as data controller processes the following data in order to comply with the Client GTC, i.e. to provide the service to the Client:
• name, position and contact details (phone number, email address) of the contact person
• data processing prior to the conclusion of a Limited-Purpose Payment Account contract: surname, given name, date of birth, email address
• data processed during card crediting: surname, given name, date of birth, card serial number, sub-account
• data request: card serial number, name indicated on the card, surname, given name, date of birth, expiry date of the card, card type, status

6.1.2. Personal data is processed by the Issuer as data controller in connection with the establishment of the Card Holder contract and the administration related to crediting and usage of the Card.

6.1.3. The Issuer will process the Data Subject’s data until the period required to achieve the purpose of the Client contract, i.e. for the total duration of the service and 6 years following its termination (until the limitation period of the possible claims concerning the service).

6.2. Data processed for the purposes of complying with the Card Holder contract, term of the data processing

6.2.1. The Issuer processes the following data as data controller in order to comply with the Card Holder contract, i.e. to provide the Edenred Ticket Restaurant SZÉP Card Service to the Card Holder:
6.2.1.1. Data necessary for contracting
• Data Subject’s surname
• Data Subject’s forename
• name on card (21 characters at maximum)
• place and date of birth
• mother’s maiden name,
• postal address, or, in the absence thereof, address of residence (postcode, city/town, street name and number)
• Data Subject’s email address
• Data Subject’s mobile phone number
• amount to be credited
• card serial number
• data of the transaction
• transaction history
• Data Subject’s workplace
• Data Subject’s bank account number

6.2.1.2. Data necessary for identifying the contracting party
• Data Subject’s surname and given name
• Type, number, expiry date and copy of the Data Subject’s ID documents
• PEP status
• Data Subject’s image
• Data Subject’s citizenship

6.2.2. The Issuer will process the data specified in Clause 6.2.1.1 until the period required to achieve the purpose of the Card Holder contract, i.e. for the total duration of the Edenred Ticket Restaurant SZÉP Card Service and 6 years following its termination (until the limitation period of the possible claims concerning the Edenred Ticket Restaurant SZÉP Card Service), while the data specified in Clause 6.2.1.2 shall be processed for 30 days from activation.

6.3. Data processed for the purpose of marketing and advertising activity, term of the processing

6.3.1. During the data processing for advertisement purposes, the Programme Owner will send advertisements via phone (text message) or e-mails or push notifications (pop-up messages on mobile phones) to the Data Subject concerning the products of the Programme Owner, the Edenred Group and the Participating Vendors, and on the incidental campaigns, according to the Data Subject’s consent.

6.3.2. For this purpose it processes the following data:
• Data Subject’s surname
• Data Subject’s forename
• Data Subject’s email address
• Data Subject’s mobile phone number

6.3.3. The Programme Owner keeps record of the personal data of Data Subjects having made declaration of consent regarding the receipt of advertisements.

6.3.4. For sending advertisement, the Programme Owner keeps on processing the personal data processed per the declaration of consent provided by the Data Subject until revocation. The Data Subject can give his declaration of consent by ticking the relevant checkbox on the Programme Owner’s website or the Edenred mobile application. The Data Subject may revoke his consent at any time via the unsubscribe link at the bottom of the marketing letter sent to the provided e-mail address.

 

 

 

 

7. Data processing

The Issuer will transmit and disclose the Data Subject’s data to the members of the Edenred Group1 and its contractual partners2 (including natural persons) in the course and for the purpose of and to the extent required for providing the Edenred Ticket Restaurant SZÉP Card Service, in relation to the card use.

7.1. Data Processors belonging to the Issuer’s and Programme Owner’s contractual partners employed for complying with the provision of the Edenred Ticket Restaurant SZÉP Card Service and for performing the marketing and promotional activity:

• 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 Ticket Restaurant SZÉP Card Service
• Programming Pool Romania (registered office: Strada Transilvaniei 18A, Baia Mare, Romania)
purpose of data processing: supply of software supporting services related to the Card, IT support
• Idemia Hungary Kft. (registered office: Tó-Park, hrsz.: 3301/21., 2045 Törökbálint, Tópark utca)
purpose of data processing: manufacturing of cards
• Y-Collective Kft. (registered office: H–7628 Pécs, Arany János u. 24.)
purpose of data processing: extranet operation, processing of card orders, operation of website and Edenred Mobile Application; IT support activity
• 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 (head office: 675 Ponce De Leon Ave NE, Suite 5000 Atlanta, Georgia 30308, USA)
purpose of data processing: data processing for marketing purposes – sending of newsletters, sending of information e-mails concerning the Edenred Ticket Restaurant SZÉP Card Service

 

8. Transmission of data to third countries

The Rocket Science Group LLC d/b/a MailChimp provides appropriate safeguards for the transfer of personal data by applying standard data protection clauses specified in Article 46(2)(c) of the GDPR.

9. Data security, parties entitled to obtain the data

9.1. The Issuer and the Programme Owner shall delete the Data Subject’s data upon the expiry of the data handling period.

9.2. The Issuer and the Programme Owner will ensure the security of the processed data and takes any measure against unauthorised access, modification, forwarding, disclosure, erasure or destruction, accidental destruction and deterioration, and inaccessibility due to the change of the technology applied, as well as in order to ensure an adequate protection of the Data Subjects’ personal data per the legislation.

9.3. The Issuer and the Programme Owner processes the Data Subject’s data automatically and manually in a computer database applying the measures necessary for maintaining the data security requirements, and it has arranged to have the processing of the Data Subject’s data within a closed system protected by password in any event and saved in a hard disk, and that these systems would be used by those authorised to know the data exclusively in relation to the provision of the service, in a strictly necessary extent.

9.4. Those authorised to know the personal data are the Issuer and the Programme Owner (the Issuer and the Programme Owner’s employees employed in a post that manage matters concerning the card use), the members of the Edenred Group, and the contractual partners of the Issuer and the Programme Owner.

9.5. The Issuer and the Programme Owner ensures to provide complete information about the data protection rules to those authorised to access the data. As a guarantee to data security, the senior executives and employees of the Issuer and the Programme Owner are bound by obligation of confidence and legal liability concerning the personal data learned in this regard.

10. The Data Subject’s rights and remedies

10.1. At the Data Subject’s request, the Issuer and/or Programme Owner shall provide information on [Article 15 (1) of the GDPR; right to information]:
• which personal data of the Data Subject are processed
• the purposes of the processing
• the categories of recipients to whom the personal data are transferred
• the term of processing
• the Data Subject’s rights and remedies

10.2. Before initiating the procedures regulated in this section, the Data Subject is entitled to call upon the Issuer and/or the Programme Owner with his claim (to be submitted electronically) in order to eliminate his anxieties concerning the data processing and to restore legality. The Issuer and/or the Programme Owner shall examine the claim within a month, makes a decision on whether it is well-founded and informs the Data Subject electronically in writing. If the Issuer and/or the Programme Owner ascertains the grounds for the Data Subject’s claim, restores the legality of data processing or ends the data processing, including further data recording and data transmission. In this case, the Issuer and/or the Programme Owner may no longer process the Data Subject’s personal data unless the Issuer and/or the Programme Owner demonstrates compelling legitimate grounds for the processing which override the interests, rights and freedoms of the Data Subject or for the establishment, exercise or defence of legal claims. The Issuer and/or the Programme Owner will communicate the claim and the relevant actions taken, to those to whom he transmitted the data concerned by the claim.

10.3. At the Data Subject’s request, the Issuer and/or the Programme Owner will make available the duplicate copy of the personal data in a commonly used electronic format or any other format chosen by the Data Subject. [Article 15 (3) of the GDPR; right of access, right to be provided copies].
10.4. At the Data Subject’s request, his personal data will be modified, rectified. The Issuer and/or the Programme Owner we also provides possibility to rectify the personal data via the user profile [Article 16 of the GDPR; right of rectification]. The exercise of the Data Subject’s rights to access and the rectification of his personal data, the Data Subject may call upon the Issuer and/or the Programme Owner in an e-mail sent to the addresses adatkezeles-hu@edenred.com or dpo.hungary@edenred.com.
10.5. At the Data Subject’s request, the Issuer and/or the Programme Owner will erase the Data Subject’s personal data. The Issuer and/or the Programme Owner may refuse to comply with the request due to reasons included in Article 17 (3) of the GDPR, e.g. in the case when personal data are required for proposing or vindicating a legal claim, or for the compliance with the obligation per the law of the Union or a member state to be applied to the Issuer and/or the Programme Owner, or out of public interest or for exercising the right of freedom of expression and information. [Article 17 of the GDPR; right of erasure].

10.6. The Data Subject may cancel his declaration of consent to the communication of advertisements may be cancelled at any time without restriction and justification, free of charge, and he may also make a claim regarding the prohibition of receiving advertisements. In this case, the Issuer and the Programme Owner immediately erases the Data Subject’s name and any personal data from the records and will no longer send any advertisement to the Data Subject. This can be achieved by filling a notice of withdrawal either on the post, by sending a letter to the Programme Owner’s head office, or electronically by sending an email to adatkezeles-hu@edenred.com or dpo.hungary@edenred.com, and on the Programme Owner’s website, or in the Edenred mobile application [right of withdrawing the consent]. The withdrawal does not affect the lawfulness of processing based on consent before its withdrawal.

10.7. The Data Subject is entitled to request the restriction (blocking) of processing personal data
• should he contest the accuracy of the personal data, he may request the blocking of the data until the Issuer and/or the Programme Owner checks the accuracy of the personal data;
• if processing is unlawful and the Data Subject opposes the erasure of the personal data, and requests the restriction of their use instead;
• the Issuer and/or the Programme Owner no longer needs the personal data, but it is required by the Data Subject for the establishment, exercise or defence of legal claims [Article 18 of the GDPR; right to restriction of processing (blocking)].
The Issuer and/or the Programme Owner fulfils the blocking request by storing the personal data separately from the other personal data. Thus for example, in the case of electronic files, it saves them on an external data carrier, or transfers personal data stored on paper in a separate folder. With the exception of storage, the Issuer and/or the Programme Owner will only process such personal data with the Data Subject’s consent or for the establishment, exercise or defence of legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest of the Union or of a Member State. The Issuer and/or the Programme Owner shall advise the Data Subject in advance about the release of the restriction of processing.

10.8. The Data Subject is entitled to receive his or her personal data in a structured, commonly used and machine-readable format, and has the right to transmit these data to another controller. In addition, at a relevant explicit request, the Issuer and/or the Programme Owner ensures the direct transmission the Data Subject’s data to a Processor specified by the Data Subject. [Article 20 (1) and (2) of the GDPR; right to data portability].

10.9. The Issuer and/or the Programme Owner will inform the Data Subject on the actions taken within one month from receiving the Data Subject’s request. The Issuer and/or the Programme Owner shall inform You within one month from receipt of the request about the reasons of the refusal and about the opportunity of lodging a complaint with the Authority and seeking a judicial remedy.

10.10. The exercise of this right is free of charge. In certain cases the Issuer and/or the Programme Owner may charge a fee based on administrative costs, or refuse to take action on the basis of the application, if the Data Subject requests a copy of his or her data, or if the Data Subject’s application is clearly ungrounded or – especially on account of its repeated nature – exaggerated.

10.11. The Issuer and/or the Programme Owner retains the right to request further information necessary for the confirmation of the Data Subject’s identity, should it have doubts about the identity of the person who submitted the request. Such a case is when the Data Subject exercises his right of requesting a duplicated copy, in which case it is reasonable from the Issuer and/or the Programme Owner to check if the request has come from the authorised person.

10.12. If the Data Subject thinks that the Issuer and/or the Programme Owner offended his right to the protection of personal data, or should the Issuer and/or the Programme Owner perform illegal data processing, the Data Subject may initiate the procedure of the Authority.

10.12.1. Contact details of the Hungarian National Authority for Data Protection and Freedom of Information:
• postal address: H–1363 Budapest, P.O. box: 9.
• email: ugyfelszolgalat@naih.hu
• telephone number: +36 (1) 391 1400
• website address: www.naih.hu.
10.12.2. Contact details of the Belgian Data Protection Authority:
Autorité de la protection des données – Gegevensbeschermingsautoriteit (APD-GBA)
• postal address: Rue de la Presse 35 – Drukpersstraat 35, 1000 Bruxelles – Brussels, Belgium
• email: contact@apd-gba.be
• telephone number: +32 2 274 48 00
• website address: https://www.autoriteprotectiondonnees.be/
10.13. Should the Data Subject consider that the Issuer and/or the Programme Owner offended his right to the protection of personal data, he may initiate a legal hearing and may demand the reimbursement of the damage caused to the Data Subject by the illegal processing of his data or by violating the data security, or, in case of the violation of a personality right, the payment of a restitution. In the event of a judicial enforcement, the Data Subject may start the action at the court of his or her residence or habitation.

11. Miscellaneous provisions

11.1. If the Issuer modifies the GTC and such modification affects the Data Processing Policy, the Issuer shall place a notice on the website www.edenred.hu to enable the Data Subject familiarize himself or herself with the modification.

11.2. Where the Issuer and/or the Programme Owner intends to further process the personal data for a purpose other than that for which the personal data were obtained, it will provide the Data Subject prior to that further processing with information on that other purpose and with any relevant further information.

11.3. The Issuer and/or the Programme Owner shall inform the data subject at the latest on the first occasion of disclosing the data also to other recipient(s).

Effective from: 26 January 2022