3. MERCHANT ESTABLISHMENT USAGE
(a) the Card may be utilized at any Merchant Establishment. The Card is for electronic use only.
(b) once authenticated and approved, the Transaction is complete and a Transaction print out shall be generated at the POS Terminal for execution by the Card Holder.
(c) the Card Holder is also advised to check the Transaction details before taking delivery of the items purchased and/or services provided and leaving the counter of the Merchant Establishment.
(d) once the Card is swiped and verified and the Transaction approved, the Account shall be debited with the full value of the Transaction immediately.
(e) the Bank shall not accept responsibility for any arrangement or negotiations the Card Holder may have with the Merchant Establishment including but not limited to the nature or quality of the goods supplied and/or services provided or any representations or warranties made by the Merchant Establishment. Should the Card Holder have any complaint concerning any Merchant Establishment as to the merchantability or quality of goods supplied and/or services provided, such complaint shall be resolved by the Card Holder directly with the Merchant Establishment. Failure to do so however shall not relieve the Card Holder (and in case of a Card issued in respect of a joint Account all joint Account holders jointly and severally) of any obligations to the Bank. The Card Holder is also advised to notify the Bank of any grievances, complaints or disagreements with a Merchant Establishment immediately.
(f) the Bank does not accept any responsibility for a surcharge levied by any Merchant Establishment.
(g) in case a Card Holder wishes to reverse a completed Transaction due to an error or on account of return of merchandise by the Card Holder to the Merchant Establishment, the earlier sales receipt issued by the Merchant Establishment must be cancelled by the Merchant Establishment, and a copy of the cancelled receipt must be retained in the Card Holder’s possession. Reversal/refund of debits due to such Transactions shall be processed manually and shall only be made by the Bank upon the Bank’s receipt of:
(i) an appropriate refund from the Merchant Establishment, either directly or through the respective Shared Network Partner’s settlement process; and
(ii) the cancelled sales slip from the Card Holder.
(h) if the Card holder, or anyone authorised to use the Card, provides a mandate whether such comprises but is not limited to a signed coupon, subscription voucher or telephone instruction or gives the Card number to make a purchase or obtain cash advance, without presenting the Card (such as for mail order, telephone order or internet), the legal effect shall be the same as if the Card was used by the Card Holder and a sales voucher or any other document or cash advance voucher was signed by the Card Holder. The Bank shall debit the Card Account with the full amount of all Card transactions and the Card Holder will be liable to pay the Bank all the amounts so debited whether or not such a voucher or other document is signed by the Card Holder and irrespective of any rights or obligations as between the Merchant Establishment and the Card Holder.