Refer a Friend Terms & Conditions


(“Promotion Terms”)

Terms & Conditions of AXA ‘Refer a Friend’ FUEL GIFT CARD Promotion ("these Promotion Terms")

This Promotion shall run from 15th September 2014 to 31st December 2014 inclusive (“the Promotion Period”)

Qualifying Products are an AXA car insurance policy.

  1. Promotion

Subject to these Promotion Terms, if you purchase a Qualifying Product from AXA within the Promotion Period you will receive an email detailing the ‘Refer a Friend’ offer, whereby if you refer another customer who then also purchases a Qualifying Product from AXA within the Promotional Period,  you will then have the chance to email AXA with details of both yours and your referee’s email addresses and policy numbers in order to receive a Fuel Gift Card with a pre-loaded value of £30 (“this Promotion”). 

    B. Participation

        To participate in this Promotion, you must be:

  1. resident in the UK,
  2. aged 18 or over;
  3. a customer who has purchased a Qualifying Product; and
  4. you must have access to an email address.

      C. In order to claim your Fuel Gift Card, you must purchase a Qualifying Product and refer a friend who also purchases an AXA car insurance policy and email AXA with details of both yours and the referee’s email addresses and policy numbers. 

  D. Scope & restrictions

This Promotion is:

  1. not open to employees of AXA, their employees families or anyone connected professionally with the promotion;
  2. applicable to Qualifying Products only;
  3. limited to a maximum of five (5) referrals per policyholder
  4. not available to persons under the age of 18 (eighteen)
  5. not available where the policyholders reside at the same address.
  1. Registering
  1. To successfully register for this promotion:
  1. please ensure that you have your Promotional Communication with the details of the ‘Refer a Friend’ offer
  2. that you have the policy numbers and email addresses of both yours and your referee’s Qualifying Product
  3. that you are over the age of  18 (eighteen)
  4. that you have read the Promotion Terms & Conditions and also the MasterCard Terms and Conditions
  1. Refusing claims

We reserve the right to refuse claims relating to this promotional offer if at any stage you have not fully complied with these Promotion Terms, or if a claim is not submitted strictly in accordance with these Promotion Terms.

  1. Other terms & conditions
  1. P&MM cannot accept responsibility for any failure to follow the registration/claim process as set out in these Promotion Terms.
  2. Your pre-loaded Fuel Gift Card will be sent by post to the postal address provided at the time of purchasing the qualifying product. One Fuel Gift Card will be sent to the referrer and referee per successful application.
  3. You will not be eligible to participate in this Promotion if you do not have access to an email address.
  4. P&MM will be responsible for the cost of posting your Fuel Gift Card to you
  5. The Fuel Gift Card may be used in part payment with either cash or another payment card, where the value of the goods is greater than the balance on the Fuel Gift Card.
  6. The Fuel Gift Card will not be valid for payment at unmanned sites – e.g. Pay@thePump sites.
  7. Fuel Gift Cards that are lost in the post will be replaced, however no replacements will be issued for Fuel Gift Cards that have been activated. 
  8. Fuel Gift Cards cannot be re-loaded, once the balance has been used then the card should be destroyed.
  9. AXA are responsible for all queries relating to Qualifying Products.  To the maximum extent permitted by applicable law, in no event will P&MM be liable for any losses or damages whatsoever (including direct or indirect damages, loss of business profits, lost savings or other special, incidental, exemplary or consequential damages whether for breach of warranty, contract, strict liability, tort or otherwise) arising out of or in connection with this Promotion.
  10. Failure by P&MM to enforce any provision of these Promotion Terms in whole or in part will not constitute a waiver, or affect P&MM’s right to require the future performance in full thereof, nor shall P&MM’s waiver of any breach of any provision of these Promotion Terms constitute a waiver of any subsequent breach or nullify the effectiveness of any such provision.
  11. If any provision of these Promotion Terms is be found by any court, tribunal or administrative body of competent jurisdiction to be illegal, invalid or otherwise unenforceable, such illegality, invalidity or unenforceability will not affect the other provisions of these Promotion Terms, which will remain in full force and effect.
  12. This Promotion and these Promotion Terms will be governed by and construed in accordance with the laws of England, and each party irrevocably agrees to submit to the exclusive jurisdiction of the English courts in relation to all claims arising out of or in connection with this Promotion and these Promotion Terms.
  13. These Terms & Conditions should be read in conjunction with the Terms and Conditions published by MasterCard, which are available on the promotional website.


Promoter address:  5 Old Broad street, London EC2N 1AD

Please do not send promotional enquiries to this address


Mastercard T&Cs


FGC - SPREE TERMS AND CONDITIONS – March 2014                                                                                                                





The electronic account associated with your Card.


This Cardholder agreement as varied from time to time.


An automated teller machine or cash dispenser bearing the MasterCard Acceptance Mark. 

Available Balance

Value of funds loaded onto your Card and available for use.

Business Day

The days of Monday to Friday between the hours of 9am-5.30pm, but does not include bank holidays or public holidays in the United Kingdom.


Your prepaid MasterCard Card issued to you under this Agreement.


You, the person entering into this Agreement with us.

Card Number

The 16 digit  number on the front of your Card.


your employer/rewarder at the time the Card is issued and references to ‘Programme’ or ‘Campaign’ are to that Company’s scheme for rewarding you with your Card.

Customer Services

The contact centre for dealing with queries and requests for services in relation to your Card. Contact details for Customer Services can be found in paragraph 19. Please note there will be a charge applied by your network provider.


The European Economic Area which currently includes all the countries of the European Union together with Iceland, Norway and Liechtenstein.


The electronic money associated with your Card.

Full Deductible Amount

The full transaction amount, including the transaction itself along with any associated fees, charges and taxes.


MasterCard International Incorporated whose head office is at 2000 Purchase Street, Purchase, New York 10577 USA.

MasterCard Acceptance Mark

MasterCard International Incorporated signage indicating acceptance of the card.


A retailer, or any other person, firm or corporation that accepts Cards which display the MasterCard Acceptance Mark.


Your four digit personal identification number for use with the Card.


The programme or campaign under which your Card has been issued to you.

Programme Manager

P&MM Limited, a company registered in England and Wales with number 1090180 whose registered office is at Avalon House, Breckland, Linford Wood, Milton Keynes, Buckinghamshire, MK14 6LD, England.

we, us or our

PrePay Technologies Limited, a company registered in England and Wales with number 04008083 who can be contacted at PO BOX 3883, Swindon, SN3 9EA, England.


The Website at allowing you to access your personal Card information. This is the area that allows you to register your personal details for your Account as well as view your Available Balance and transaction history. You will require an internet connection in order to access it. 

you, your

The Cardholder.


2.1 Your Card is an e-money prepaid card. This is not a credit, charge or debit card. 
2.2 Your Card has been issued by Clydesdale Bank PLC pursuant to a licence from MasterCard International Incorporated.  This Card is an electronic money product.  The electronic money associated with this Card is provided by us, a company authorised and regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). We are a registered service provider of Clydesdale Bank PLC. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Clydesdale Bank PLC or MasterCard International Incorporated or their respective affiliates. If you experience any difficulties in using the Card, you should contact Customer Services.

2.3 The e-money associated with this Card will be denominated in Pounds Sterling and is issued to the Programme Manager by us. The Programme Manager will grant to you the right to use its e-money up to the value loaded onto your Card.  All legal rights (including legal title) associated with the e-money will remain with the Programme Manager and do not pass to you. The Card remains the property of Clydesdale Bank PLC.
2.4 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 

2.5 You agree that we may communicate with you by e-mail for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address updated.

3.1 You will only receive a Card if you are eligible under the rules of the Programme. 

3.2 When you receive your Card, you must sign it immediately. You can activate your Card by calling Customer Services and selecting option 2. You will need your Card Number and your activation code which you will find on the letter that came with your Card. You may also be requested to provide us with some details to confirm your identity. Please note that your Card cannot be used until it has been activated.

3.3 You will be given your PIN when you activate your Card. You should never reveal your PIN to anybody, we will not reveal your PIN to a third party. If you forget your PIN, you will need to call Customer Services.
3.4 You will be able to change your PIN at any UK bank ATM that provides this facility. When you select or change your PIN, you must not select a PIN that can be easily guessed, such as, a number that:

3.4.1     is easily associated with you, such as your telephone number or birth date;

3.4.2     is part of data imprinted on the Card;

3.4.3     consists of the same digits or a sequence of running digits; or

3.4.4    is identical to the previously selected PIN.


4.1 Your Card can be used at any Merchant (fees apply, see paragraph 11). You can use your Card to make purchases in-store, via the internet or over the phone. The Card cannot be used to obtain cash from an ATM, to obtain cash back from Merchants, to obtain foreign currency, travellers’ cheques, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for recurring transactions, adult entertainment and for online gambling and betting transactions.
4.2 You would need to authorise each transaction by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the transaction by signature of the receipt. Please be aware that you may not usually stop a transaction once it has been authorised as at this point it is deemed to be received by us. You will be responsible for all transactions that you authorise, regardless of the manner of such authorisation.

4.3 Your Card is a prepaid card, which means that the Available Balance will be reduced by the full amount of each transaction and authorisation, plus any taxes and charges that are applicable.
4.4 You must not use your Card if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a transaction is processed for an amount greater than the Available Balance on your Card, you must repay the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from them. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager then they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding. 
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the transaction you wish to make. You will only be charged for the actual and final value of the transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend.

4.6 Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.

4.7 Your card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes. 

4.8 Your Card must not be used for any illegal purpose or in any manner prohibited by law.

4.9 The Available Balance on your Account will not earn any interest. 
4.10 We may request you to surrender the Card at anytime for a valid reason in accordance with the provisions at paragraph 14 of this Agreement.  If we do so, you will lose any Available Balance on your Account.



5.1 You will not be able to load your Card yourself, loads will be made by the Programme Manager at its sole discretion following instructions from the Company. Please note that your Card cannot be reloaded with additional funds.

5.2 We reserve the right to suspend or terminate the right to top-up your Account at anytime without prior notice.



6.1 You can check your Available Balance by calling Customer Services and selecting option 1. You can check transaction history and Available Balance by visiting the Website.

7.1 The expiry date of your Card is printed on the front of the Card. You will not be able to use your Card if it has expired and any unused value will no longer be available for you to spend.

7.2 No transactions will be processed once your Card has expired.
8.1 We may restrict or refuse to authorise any use of your Card including transactions if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about to commit a crime or other abuse in connection with the Card. 
8.2 Where appropriate, any refusal to authorise a transaction will be relayed to you via the Merchant concerned.

8.3 You must sign your Card as soon as you receive it and keep it safe.

8.4 You should never:

8.4.1 allow another person to use your Card; or

8.4.2 write down your password(s), PIN or any security information unless you do this in a way that would make it impossible for anyone else to recognise any of that information, or

8.4.3 disclose your PIN or any security information, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others, or

8.4.4 enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner.
8.5 If a transaction is made that requires use of your PIN, you will be deemed to have authorised that transaction, and you will be liable for any transaction made with your PIN. 

8.6 You will be liable for all transactions that take place as a result of you acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such transactions and any fees and charges relating to such transactions will be deducted from the Available Balance on your Card.

8.7 It is your responsibility to keep us updated of changes to your personal details, including e-mail address and mobile number. Failure to do so may result in us being unable to contact you regarding your Account, or to let you know about changes to this Agreement.
8.8 You agree to indemnify and hold harmless us and our distributors, partners, agents, sponsors (including without limitation the Clydesdale Bank PLC and the Programme Manager), and service providers and their group companies for and against the costs of any legal action taken to enforce this Agreement and/or any breach of this Agreement or fraudulent use of your Card or PIN by or authorised by you.

9.1 You should treat the e-money on your Card like cash in a wallet. If you lose your Card or it is stolen you may lose any e-money on it in just the same way as if you lost your wallet. 
9.2 In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card, or if your Card is damaged or malfunctions, you must immediately contact Customer Services so that we can block your Card.

9.3 You will be liable for any unauthorised transactions that take place prior to you notifying us and these will reduce the Available Balance.

9.4 Provided that you have given notification under paragraph 9.2 and paragraph 9.5 does not apply, then you will not be liable for the losses that take place following the date on which you gave such notification to Customer Services. If your Card is stolen, then provided that you provide us with a valid crime reference number and there is an Available Balance remaining on your Card, we will replace your Card and transfer the last Available Balance onto it. If we replace the Card, the Card should be delivered to your home address within 28 days. We will not replace a lost Card.

9.5 In the event that we have reason to believe you have acted fraudulently or you have acted with gross negligence or acted intentionally in failing to notify us of the lost or stolen Card then you shall be liable for the losses.

10.1 If you make a transaction in a currency other than pounds sterling (a “Foreign Currency Transaction”), the amount deducted from your Account will be converted to pounds sterling on the day we receive details of that foreign currency transaction. We will use a rate set by MasterCard which will be available on each Business Day and changes in the exchange rate shall take effect immediately. Exchange rates can fluctuate and they may change between the time a transaction is made and the time it is deducted from your Available Balance. For transactions made within the EEA or in an EEA currency, you can find out the MasterCard exchange rate by emailing Customer Services. We will charge a foreign exchange fee on all foreign currency transactions (see paragraph 11).

11. FEES 
11.1 The Card is subject to certain fees as follows:




Foreign exchange fee per transaction outside the United Kingdom



11.2 We will deduct any taxes or charges due from the Available Balance on your Card. If there is no Available Balance of funds on your Card, or taxes or charges exceed the balance of funds available, the Programme Manager will send an invoice to you and will require you to repay them within 14 days of receiving the invoice. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

11.3 All Card fees are inclusive of VAT. VAT invoices will not be issued. 

12.1 If you have a reason to believe that a transaction for which your Card was used is unauthorised or has been posted to your Account in error, then you must immediately contact Customer Services, but in any event, within 13 months of the date of the relevant transaction. We strongly recommend that you check your statement on a regular basis to identify any unauthorised transactions.  Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence as to whether the transaction was authorised and may therefore increase the time involved in investigating the transaction. If you dispute a transaction, the Merchant must be able to prove that the transaction actually took place.
12.2 We will immediately refund the unauthorised amount to your Account to the position it would have been in if the unauthorised transition had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to reapply the transaction, including any interest and charges to your Account. In this event we will charge you a £10 administration fee.
12.3 If there are reasonable grounds for thinking that you may not be entitled to a refund (based on the evidence available to us at the time you report the unauthorised transaction), we may then investigate before giving you a refund.
12.4 You will be liable for all transactions made from your Account;

12.4.1 if you have acted fraudulently,

12.4.2 if the transaction was made because you deliberately or with gross negligence failed to keep your Card or Card details secure or your PIN or other security information secret.

12.5 Where you have agreed that another person in the EEA can take a payment from your Account (e.g If you have given your Card details to a Merchant for the purpose of making a payment) you can ask us to refund a payment, which we will refund to you within 10 Business Days of our receipt of your request, if all the following conditions are satisfied:

12.5.1 the authorisation you gave did not specify the exact amount to be paid;

12.5.2 the amount that has been charged to your Account was more than you could reasonably have expected to pay based on the circumstances including previous spending patterns; and

12.5.3 you make the refund request within eight weeks of the date when the payment was charged to your Account.

13.1 We may change this Agreement, including charges, fees and limits, at any time by providing you with at least two months prior notice by email (provided that you have supplied us with an up-to-date email address) and will ensure the most recent version is always available on the Website.

13.2 You may terminate your Card at any time within the two month notice period if you do not agree with the changes to the Agreement. However, in the event that you do not cancel during this period then you will be deemed to have accepted the changes and they will apply to you. 


14.1 We can terminate this Agreement at any time: 
14.1.1 if we are able to we will give you two months prior notice; or 
14.1.2 with immediate effect if you have breached this Agreement, or if we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties. 
14.2 We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if: 
14.2.1 we  discover that any of the information about you that was provided to us when you were issued your Card was incorrect; or  
14.2.2 a transaction has been declined because of a lack of Available Balance; or 
14.2.3 you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your transactions due to the actions of third parties. 

14.3 In the event that we do suspend or cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards. We may advise anyone involved in the transaction if a suspension has taken place.

14.4 You can terminate this Agreement at any time by contacting the Customer Services and returning your Card to us. In this event you will lose the Available Balance on your Card.
14.5 In the event that any additional fees and/or charges are found to have been incurred on your Card following termination by either you or us, then subject to this Agreement, you shall repay to the Programme Manager any sum which relates to a withdrawal on the Card or fees and/or charges validly applied whether before or after termination. The Programme Manager will send an invoice to you and will require you to repay them within 14 days. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding. 

15.1 Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations: 
15.1.1 we shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited to, lack of funds and/or failure of network services and data processing systems; 
15.1.2 we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;
15.1.3 where the Card is faulty due to our default, our liability shall be limited to replacement of the Card. 

15.1.4 Where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount;

15.1.5 in the unlikely event that sums are deducted from your Available Balance but you did not authorise such deduction in accordance with this Agreement then our liability shall be set out in paragraph 12;

15.2 Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud. 
15.3 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded. 
15.4 The above exclusions and limitations set out in this paragraph 15 shall apply to any liability of our affiliates such as the Clydesdale Bank PLC, the Programme Manager, MasterCard International Incorporated, or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement. 

16.1 You may provide us with personal data from time to time in connection with your Card. Some personal data will be necessary for us to provide you with the Card and services under this Agreement. You must notify us immediately of any change to your personal details by contacting Customer Services. 
16.2 We and our affiliates are committed to maintaining your personal data in accordance with the requirements of the Data Protection Act 1998 and will take all reasonable steps to ensure that your personal data is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with this Agreement, your personal information will not be passed to anyone without your permission. To comply with Anti-Money Laundering Regulations, we may request evidence of identity from you at any time. 
16.3 You agree that we can use your personal data in connection with the Card, and the e-money associated with the Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products and services. This may involve providing your personal data to our partners, affiliates, agents, distributors, and suppliers including the Clydesdale Bank PLC and to MasterCard International Incorporated and its affiliates to process transactions and for their statistical research and analytical purposes. We may also transfer your personal data outside of the EEA to enable you to use the Card while you are travelling. We may also disclose your personal data as required by law, regulation or any competent authority or agency to investigate possible fraudulent, unlawful or unauthorised activity (“misuse”). 
16.4 You may contact us at anytime to request us to stop such use or further disclosure to other companies for such use. 
16.5 You have a right to inspect the personal data we hold about you however we will ask you to pay an inspection fee of £10 to cover our costs. For further information please contact the Customer Services. 
16.6 If we discover that the information we hold about you is incorrect, we may have to suspend or cancel your Card until we can establish the correct information, in order to protect us both. 
16.7 If we believe that you have been involved in any misuse then we may contact the Company to advise them of such Misuse and you hereby consent to the disclosure of your personal data to the Company in this context.

17.1 Complaints regarding any element of the service provided by us should be sent in writing or by email to Customer Services. 
17.2 All complaints will be subject to our complaints procedure. We will provide you with a copy of our complaints procedure upon request and, if we receive a complaint from you, a copy of our complaints procedure will automatically be sent to you. 
17.3 The Financial Services Compensation Scheme is not applicable for the Card. No other compensation schemes exist to cover losses claimed in connection with the Card. 

18.1 Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time. 
18.2 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect. 
18.3 You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or have expired and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement. 
18.4 No third party who is not a party to this Agreement has a right to enforce any of the provisions of this Agreement, save that the Clydesdale Bank PLC, us, MasterCard International Incorporated and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them and a person specified in paragraph 15.4 may enforce paragraph 15. 

18.5 This Agreement contains the information set out in Schedule 4 of the Payment Services Regulations 2009 and you can obtain a copy of this Agreement at any time by visiting the Website.
18.6 This Agreement is governed by English law and you agree to the exclusive jurisdiction of the courts of England and Wales. 


If you need assistance, you can contact Customer Services by telephone 0330 024 1158  between the hours of 9.00am and 5.30pm on Monday to Friday (excluding Bank Holidays), by sending an email to or by writing to My Fuel Gift Card, P&MM Limited, Avalon House, Breckland, Linford Wood, Milton Keynes, Buckinghamshire, MK14 6LD, England. A Lost and Stolen service is also available 24 hours a day on Customer Services number.


MasterCard is a registered trademark of MasterCard International Incorporated