TERMS AND CONDITIONS - MAY 2018

1. Introduction

This is a binding agreement that exclusively sets out the rights and obligations between us and the customer. In consideration of us agreeing to provide one or more MyCard Protector products and related website and delivery services, the customer agrees to comply with these Terms and Conditions. The customer shows acceptance of these Terms and Conditions by purchasing or using one of our products or lodging an order on our website.

2. MyCard Protector Performance

How does it work?
Most credit cards now have RFID chips that allow contactless transactions. Any scanner operating at the right frequency (13.56MHz) can obtain data from these cards, unless they are protected. MyCard Protector has an RFID blocking chip that also operates at 13.56MHz. It emits a signal back to the scanner that provides an electronic shield preventing the scanner from obtaining credit card information. MyCard Protector provides a minimum 10mm shield forwards and backwards, protecting credit cards within this range.

Real World Test
The minimum shield is 10mm directly in front and behind MyCard Protector, but our tests have found the shield often performs better. Exact coverage depends on customers' wallet dimensions and card placement. To ensure they are protected, customers should run a Real World test. This can be done by attempting a contactless transaction (eg.PayWave, PayPass, Tap and Go) while cards and MyCard Protector are stored in the usual places in the customer's wallet. Some customers may find they need to use more than one MyCard Protector to cover all cards in their wallet, especially if they have a long or large wallet.

Other signals
MyCard Protector may also block signals in other situations. For instance, our testing has shown some cards trigger some store security gates. Please see the FAQ on this issue or contact GGJC Pty Ltd if you require further details.

Lifespan
We warrant that MyCard Protector will work for twelve months from date of purchase. As MyCard Protector is not battery operated and has no moving parts that can fail, customers may find it works much longer than this minimum lifespan. Customers may check whether their MyCard Protector is still functioning by running the 'Real World' test described above.

3. MyCard Protector Limitations

MyCard Protector is designed to shield nearby cards from contactless transactions. It does not guarantee that a customer will never be defrauded or skimmed.

Customers may experience credit card fraud despite using MyCard Protector. Common reasons include the following.

  • • Card was skimmed when outside of the wallet.
  • • Card was skimmed when inside the wallet, but outside MyCard Protector's range. To avoid this, run the "Real World" test described above.
  • • Card information was collected during an authorised transaction, and then misused for an unauthorised transaction.
  • • Card information was collected online by data thieves.
  • • Card information was collected from hard copy sources other than the card (eg. paper bank statements).

4. Customer Obligations

Customers must use MyCard Protector in the manner specified above. Customers must ensure cards that require protection are stored within range of MyCard Protector's field and must conduct their own Real World Test to ensure MyCard Protector's shield is operating as required.

5. Fundraiser Terms and Conditions

MyCard Protector is available from a range of outlets. These terms and conditions apply only to MyCard Protectors sold from mycardprotector.com.au through the fundraiser.

Who can register?
The MyCard Protector Fundraiser is aimed at schools, clubs and charities. Any organisation may apply. GGJC Pty Ltd reserves the right to refuse registration to any organisation for any reason. Refusal decisions are final and no correspondence will be entered into.

How do organisations register?
Organisations must complete and sign the registration forms provided. Organisations may be required to provide additional information.

How do registered organisations receive funds?
A customer who purchases MyCard Protector from our website is prompted to select one registered organisation from our drop-down lists of schools, clubs and charities. We reserve $4 from each $9.95 card purchased that makes a valid selection.
Once each month, we reconcile our records and pay registered organisations $4 for each fundraiser card sold that selected their organisation. We make payments to the account that was advised on the registration application.

Registered organisations appear on our website
As a condition of registration, organisations agree that we will display their organisation’s name on our website, such as in our dropdown lists.

Deregistration
We may deregister any organisation at any time for any reason. We will notify deregistration via the contact details provided on the registration application.
An organisation may deregister by issuing written notice to our email address at admin@mycardprotector.co.au or by writing to MyCard Protector, GGJC Pty Ltd, 103/222 City Walk Canberra City ACT 2601.
Deregistration takes effect two weeks after notice has been issued by either party.
We will conduct a final reconciliation within one month of deregistration. We will pay any outstanding amounts owed from fundraiser purchases at that time.

6. Website and Online Shop

Website users
Website users must respect our intellectual property, including all trademarks and logos. We will take all reasonable steps to ensure that information on our website is accurate. Our website contains links to websites operated by third parties, and we take no responsibility for any aspect of those third party websites.

Online orders
A customer lodging an order via our website must complete accurate contact details so that we can fill the order and contact the customer if needed. If a customer provides incorrect details, we are under no obligation to refund purchase, postage and handling costs.
We may reject an order for any reason. If we do not to fill an order, the customer must accept a refund.

Payment and Credit Card Security
We use Australia Post's secure gateway, SecurePay, to process online transactions. SecurePay is a Payment Card Industry Data Security Standard (PCI DSS) compliant secure gateway. From the time that a customer is asked to supply payment information, the customer enters a secure environment. Payment information is entered directly into SecurePay. We do not collect or store credit card information.
We store some personal information on our secure server, such as contact details. Staff only access this information where necessary to process an order, provide a refund or deal with a complaint. For details, see our Privacy Policy on our website.

Delivery
We dispatch orders promptly and deliver packages via Australia Post's regular untracked letter service. Dispatch and delivery will be delayed if the customer provides incorrect contact, delivery or payment details, if credit card funds are not approved or if fraudulent activity is suspected. We deliver most orders within 2 to 10 business days. A customer requiring faster delivery should contact us prior to lodging their order.

7. Refunds and Replacements

A customer may obtain a replacement or refund if the product fails to meet a Consumer Guarantee under the Australian Consumer Law, or otherwise fails to meet these Terms and Conditions. The customer must seek the replacement or refund within 3 months of ordering the product.

TThe customer should apply in the first instance by emailing us. The customer should then post us the product, a copy of proof of purchase, an explanation about the reason for return and the customer's contact details. These should be sent to: Director, GGJC Pty Ltd, 103/222 City Walk, Canberra City ACT 2601.

If we find the product or our services are faulty, we will offer a replacement or refund. We will cover the full purchase price including our postage and handling costs and the customer's reasonable postage costs for returning the package.

8. Complaints

A customer may lodge a complaint with us via the 'Contact Us' details on our website or by writing to: Director, GGJC Pty Ltd, 103/222 City Walk, Canberra City ACT 2601. We will investigate and advise the results within 5 business days of receiving the complaint.

9. Liability and Release

To the extent permissible by law (most importantly the Australian Consumer Law), our liability is limited. We and our contractors are not liable for loss or damage arising from or caused by injury, illness or death of any person, or any other loss or damage connected with our products or services. We and our contractors disclaim all conditions and warranties other than those contained in these Terms and Conditions. The customer releases us from, and indemnifies us against, any action or claim connected with our products or services.

If we become liable, to the extent permissible by law our liability is limited to providing a replacement or refund. If we or our contractors make a payment to a customer for any reason, it is not an admission of a breach or liability.

We are not liable for any breach of these Terms and Conditions arising wholly or partly from causes beyond our control, including natural disasters, acts of war or civil unrest.

10. General Clauses

If we breach any of these Terms and Conditions, our rights, immunities and limitations of liability remain in force. If any clause is found unenforceable by a court of competent jurisdiction, the rest of the Terms and Conditions remain in force.

We may vary these Terms and Conditions from time to time. The current version will appear on our website. Without written authorisation, no employee, servant, agent or contractor may make representations on our behalf about these Terms and Conditions.

These Terms and Conditions are governed by the laws of the Australian Capital Territory.

11. Interpretation and Dictionary

Unless otherwise indicated, words in the singular include the plural and vice versa.

Customer means a person who has ordered or purchased a MyCard Protector product.

MyCard Protector means the card and service operated under that name by GGJC Pty Ltd, and includes GGJC Pty Ltd.

We and us means MyCard Protector and / or GGJC Pty Ltd.

Website means mycardprotector.com.au