Terms and Conditions

Freedom - Eagle Cash Card

These Terms and Conditions apply to your Freedom - Eagle Cash Card, please read them carefully. By activating your Freedom - Eagle Cash Card you are agreeing to these Terms and Conditions.

Definitions:

‘Freedom - Eagle Cash Card Number’- 16-digit unique personal card number found on the front of Your Card, otherwise referred to as the “Card PAN”.
‘Agreement’ - this cardholder agreement, as varied from time to time.
‘Balance’ – value of funds loaded onto Your Card and available for use.
‘ATM’ – automated teller machine or cash dispenser bearing the MasterCard® acceptance mark.
‘Card’ – any White Eagle Prepaid MasterCard® issued to You under this agreement.
‘Customer Services’ – the contact centre for dealing with requests and issues for services relating to Your Card.
‘MasterCard International’ – MasterCard Worldwide whose head office is at 2000 Purchase Street, Purchase, New York 10577, USA.
"We", "Us" or "Our" - means Newcastle Building Society or White-Eagle (Europe) Plc (White Eagle) acting on its behalf
‘Merchant’ – a retailer, or any other person, firm or corporation that accepts cards, which displays the MasterCard® acceptance mark
‘Cardholder’ – the person entering the agreement with Us.
'Card Pack' - instant Issue ‘Retail Pack’ containing one Freedom - Eagle Cash Card
‘PIN’ – personal identification number for use with the Card.
‘Reload’ or 'Load' - means to top up or add money to Your Card balance.
‘Transaction’ – a retail sale, cash back or an ATM cash withdrawal completed by You using the Card.
‘Website’ – www.freedom-card.co.uk, a website address allowing you to access your personal card information.
‘Eagle Cash Card’ – the White Eagle Freedom Prepaid MasterCard®.
‘You, Your’ – the cardholder.

1. Fees, Limits and Charges

1.1 All Fees and Charges relating to your Freedom – Eagle Cash Card are detailed under section 19 of these Terms and Conditions of which they form an integral part.
1.2 Until such time as You have verified Your identity, reduced limits will apply which will determine how much You can load, spend and withdraw when using Your Card. These limits are outlined below:

* This is the maximum you will be allowed to load and spend before you have verified your identity!
**Subject to applicable fees.

2. Purchasing a Freedom - Eagle Cash Card

2.1 To apply for a Freedom - Eagle Cash Card or to purchase a Freedom - Eagle Cash Card Retail Pack, you must be at least 18 years old and be resident in the United Kingdom. 2.2 We reserve the right to suspend a Freedom - Eagle Cash Card or specific Freedom - Eagle Cash Card facilities at any time for good reason.
2.3 We may update/amend these Terms and Conditions with reasonable notice by posting details of such changes on the Freedom - Eaqle Cash Card website, www.freedom-card.co.uk. You should regularly check this website to update yourself of any such changes. By continuing to use the Card after such changes have taken effect, You are signifying Your acceptance to be bound by such new/amended Terms & Conditions. If You do not wish to be bound by such new/amended Terms and Conditions, You should cease using Your Card immediately.
2.4 The Card remains the property of Newcastle Building Society.

3. Activation of your Freedom - Eagle Cash Card

3.1 Instructions on how to activate Your Card are available online at www.freedom-card.co.uk and are detailed in the booklet contained within the Freedom - Eagle Cash Card Retail Pack.
3.2 By activating Your Freedom - Eagle Cash Card You are agreeing to these Terms and Conditions.
3.3 We reserve the right to refuse to activate a Freedom - Eagle Cash Card for good reason.
3.4 We reserve the right to terminate this agreement immediately if You do not load and activate Your Freedom - Eagle Cash Card within 30 days of purchase or We suspect that You have provided false information, or are involved in criminal activities

4. Upgrading your Freedom - Eagle Cash Card

4.1 In order to upgrade Your Freedom - Eagle Cash Card and benefit from the higher load, spend and maximum balance limits, as specified in section 1.2 of these Terms and Conditions, You must provide Us with either a photocopy of the photo page of your passport (including full name, date of birth and passport number) (“the Copy Passport”) or alternatively You can supply information other than a passport in order to confirm Your identity, details can be found in the Card Pack and online at www.freedom-card.co.uk.
4.2 We reserve the right to request additional information or documentation at any time in order to confirm or reconfirm Your identity.
4.3 Until such time as You have provided us with a satisfactory proof of identity, the following conditions will apply to Your Freedom - Eagle Cash Card:

Maximum card validity is twelve months from date of activation
Maximum permitted turnover on Your Freedom - Eagle Cash Card is £650 (six-hundred and fifty pounds) (POS (point of sale) and ATM)

5. Using Your Freedom - Eagle Cash Card

5.1 You can use Your Freedom - Eagle Cash Card, accompanied with Your PIN to withdraw cash from ATMs. A withdrawal fee will apply (see Fees Summary). You may also be subject to any applicable fees, surcharges, rules and regulations of the relevant ATM, or other financial institution or association. It is Your responsibility to check any additional fees or surcharges prior to processing Your transaction. White Eagle will not refund fees or charges for using such ATM machines. The maximum amount You may withdraw per day via an ATM is £150. Once We have successfully verified Your identity You will be able to withdraw a maximum of £250 per day subject to sufficient funds being available on Your Card.
5.2 You can use Your Freedom - Eagle Cash Card to purchase goods and services from merchants subject to sufficient funds being available on Your Card and the merchant being able to obtain authorisation online. Please note that certain retail outlets e.g. restaurants and petrol stations may increase the authorisation amount before Your transaction is approved. From time to time We may also impose controls on the use of Your Freedom - Eagle Cash Card in specific market sectors.
5.3 If You use Your Freedom - Eagle Cash Card to make a purchase or cash withdrawal in a currency other than British Pounds Sterling, the transaction will be converted to British Pounds Sterling at Our applicable exchange rate at that time.
5.4 It is Your responsibility to regularly check the balance of Your Card and You must not spend more money than You have on the Card. Any attempt to do so may be treated as a fraudulent act.
5.5 Your Freedom - Eagle Cash Card can only be used at merchants where authorisations for transactions is real time and online. Do not allow Your transactions to be manually processed using a “Zip-Zap” or “Click-Clack” machine.
5.6 Some merchants may not accept your Freedom - Eagle Cash Card, it is advisable to check before making Your purchase. We will not accept any liability in the event that a merchant refuses to accept Your Freedom - Eagle Cash Card.
5.7 We reserve the right to authorise amounts higher than the value of Your transactions to enable us to correctly reconcile all transactions on Your Card. The amount ultimately charged to Your Card will reflect the correct settled amounts including fees and charges set out herein and as amended from time to time.
5.8 There is no online protection for Internet purchases and no protection for Mail or Telephone order transactions. Where the Card is used in such situations and there is an un-resolvable dispute You may be liable for the transaction.

6. Loading and Reloading your Freedom – Eagle Cash Card

6.1 You may load Your Card with cash via the national network of Post Offices, PayPoint Agents or via a bank transfer (UK and international banks), fees apply for each method, (please see Fees Summary for further detailed information). Additional information regarding loading Your Card can be located online at www.freedom-card.co.uk. The minimum load amount is £25.
6.2 Unless We advise You otherwise, You may reload Your Card with a maximum single amount of £249 via a PayPoint Agent and £650 by bank transfer. Once You have provided Us with an acceptable form of identification You will be able to load a maximum amount of £1,650 at any one time (please see Fees Summary for further detailed information), although the maximum balance on Your card can not exceed £1,650 at any time. In the event that You upgrade Your Card to a personalised Card, the maximum balance at any one time is increased to £3,000.
6.3 The maximum cumulative amount You can load onto your Card before You are required to verify Your identity is £650.
6.4 We reserve the right to decline any reloads, and to vary the limits relating to the amounts that can be loaded.
6.5 Cash loaded via a PayPoint Agent should typically be available on Your Card within 2 hours. Loading by a bank transfer (including wage payments) can take up to 3 business days to become available for use, please see www.freedom- card.co.uk for details.
6.6 Funds on Your Card will not earn interest.
6.7 This Card is intended for personal use only and We reserve the right to suspend services where We believe non- personal or business payments are received.

7. Keeping Your Freedom - Eagle Cash Card & PIN Safe

7.1 Your Freedom - Eagle Cash Card and PIN will be the primary method for You to withdraw cash and purchase products and services.
7.2 You should treat Your Freedom - Eagle Cash Card like cash. If it is lost or stolen, You may lose some or all of the money loaded onto Your Freedom - Eagle Cash Card, in the same way as if You lost cash in your wallet or purse. As a result, You must keep Your Freedom - Eagle Cash Card safe and do not allow anyone else to use it.
7.3 You must keep Your PIN safe, this means:

when You receive Your PIN, You must memorise it.
You must keep Your PIN a secret at all times;
You must NOT disclose Your PIN to anyone.
You must not write Your PIN anywhere;
You must not use Your PIN if someone else can see You entering the PIN into an ATM or POS terminal.

7.4 If You suspect that someone else knows Your PIN, You should contact Customer Services immediately.
7.5 If You have forgotten Your PIN You must contact Customer Services, who will process a replacement PIN for You.
7.6 You and any additional cardholders must keep Your Freedom – Eagle Cash Card and its details secure, this means:

not giving Your Freedom - Eagle Cash Card to anyone, including bar and waiting staff
not willfully damaging or bending Your Freedom - Eagle Cash Card;
always keep Your Freedom - Eagle Cash Card in a safe place
do not use Your Freedom - Eagle Cash Card on websites that do not have recognised secure site certificate.

8. Reporting a Lost or Stolen Freedom - Eagle Cash Card

8.1 You should call Us immediately on 0871 288 4311 if:

Your Freedom - Eagle Cash Card is lost; or
Your Freedom - Eagle Cash Card is stolen; or
You believe that Your Freedom - Eagle Cash Card is being used in a manner not authorised by You.

8.2 You will be asked to provide Your Freedom - Eagle Cash Card Number and other personal details to assist our staff to verify that they are talking to the actual Card holder. You may also be required to assist Us, Our agents or the Police if Your Freedom - Eagle Cash Card is lost or stolen or we suspect that Your Freedom - Eagle Cash Card is being misused.
8.3 At the point that You report that Your Freedom - Eagle Cash Card has been lost or stolen We will immediately cancel that Card and automatically issue a new Card to You, which will be sent to Your registered address. The balance on the lost/stolen Card will be transferred onto the replacement Card (A fee applies for this service, please see the Fees Summary for further details).
8.4 If We know of, or suspect or wish to prevent misuse of Your Freedom - Eagle Cash Card We may, without notice:

Refuse to approve a transaction
Cancel or refuse Your right or a cardholder’s right to use the Freedom - Eagle Cash Card for all or any purposes.
Refuse to replace the Freedom – Eagle Cash Card.

These Terms and Conditions will continue to apply, even if We effect any of the above. We will not be responsible for, nor incur liability for, any loss or damage suffered by You or an additional cardholder.

9. Reporting Transaction Disputes

9.1 If You believe that any of the transactions on Your Freedom - Eagle Cash Card were unauthorised or incorrectly posted to Your card, You must notify Us immediately by telephoning our Customer Services Dept, followed by confirming, in writing, the full details of the transaction(s) disputed and the reasons for disputing the transaction(s). We will attempt to assist You (subject to 9.2 below) with any qualifying dispute under the MasterCard® scheme regulations. We may not be able to assist You if the disputed transactions have taken place more than 30 days prior to You notifying our Customer Services Dept of the dispute.
9.2 It is Your responsibility to resolve a transaction dispute with the merchant before contacting Customer Services, furthermore it is Your responsibility to satisfy Customer Services that You have made all efforts to do so and to provide such evidence to Us to support this.
9.3 We will not refund any monies to You if You have not taken the precautions set out in these Terms and Conditions, in particular keeping Your PIN and Freedom – Eagle Cash Card safe.
9.4 You will not receive a refund until our investigation is complete. If the disputed transaction is refunded to Your card, it may later be deducted from Your card if we receive information that proves that the transaction was genuine and correct. If our investigations discover that the disputed transaction was genuine and originated by You directly or indirectly we will charge You an investigation fee of £25.00.

10. Advising Changes of Name or Address

10.1 It is Your responsibility to notify Us within 14 days of any changes to Your or any additional cardholder’s name, address and any other applicable contact details, such as email address or contact telephone number, so that our records are accurate and reflect Your current position. You will be liable for any loss or fraud that directly results from any failure to advise Us of a change in Your details.
10.2 In the first instance You can notify our Customer Services Dept via telephone of any such changes, however You are required to also confirm any such change in writing to Customer Services.

11. Card Cancellation, Your right to terminate

11.1 You have the right to withdraw from this agreement without cause and without penalty, for a period of 14 days from the date of the first load of funds onto Your Card. Please note this will not entitle You to a refund of any transactions You have made or for any incurred charges, including foreign currency transactions. In order to cancel the use of Your Card, You are required to request this in writing to our Customer Services Dept.
11.2 You are liable for all transactions and fees on Your card until such time as We receive Your written notice of cancellation along with Your Freedom – Eagle Cash Card. When returning Your Freedom – Eagle Cash Card it is Your responsibility to destroy the Card (by way of cutting the card into small pieces) before returning it to Us. Once all transactions and fees have been deducted, any balance on Your Card will be returned to You. A fee will apply (see Fees Summary) for this service.
11.3 If Your Card has not been used for any form of transaction for a period of at least one year and has a zero balance, We reserve the right to cancel Your Card forthwith. We will make best endeavors to contact You prior to this action being taken.
11.4 If Your Card is misused We reserve the right to suspend or cancel Your Card without further notice.
11.5 All refunds will normally be sent to You by cheque within 7 days of Us being satisfied that a refund is due to You.

12. Protecting Your Personal Data

12.1 We will process personal data in order to open, administer and run Your Card and to deal with any enquiries You have about it.
12.2 If We suspect that We have been given false or inaccurate information, We may record our suspicion together with any other relevant information.
12.3 If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting Customer Services.
12.4 White Eagle (Europe) Plc is the data controller of personal data. they collect data for marketing purposes as set out in 12.8 and 12.9 below. White Eagle may use third parties to process personal data on its behalf including contracted third parties outside the EEA.
By submitting Your registration details You consent to Your personal data being transferred outside of the EEA and disclosed to such third party processors.
12.5 Personal data may also be transferred confidentially to other organisations within Newcastle Building Society and the White Eagle group of companies so that we can effectively manage Your Card.
12.6 We will monitor and/or record telephone conversations We have with You, or Your additional cardholders, to help us maintain and improve the quality of Our service or as required by applicable law.
12.7 We may verify the personal information given by You with a number of fraud prevention agencies and other relevant organisations, furthermore We may source information about You from other recognised agencies in order to verify Your identity, a record of such enquiries may be left on Your file.
12.8 With Your consent, or upon Your request, We may use the information You provide, such as Your mobile phone number and email address to provide balance updates and transaction alerts.
12.9 We will seek Your express consent prior to allowing any third party to contact You by email or mobile phone regarding any offers that they believe will be of interest to You.
12.10 We may contact You by telephone, email, SMS or mail, about other products and services provided by White Eagle, if You no longer wish to receive information about products or services from White Eagle then please contact Customer Services.
12.11 You have the right, on payment of a fee, to receive details of the personal data we hold about You, please contact Customer Services should you wish to take advantage of this service.
12.12 See www.freedom-card.co.uk for full details and any applicable terms relating to any White Eagle promotions that are offered from time to time.

13. Liability

13.1 We will not be responsible for any loss which You may suffer as a result of any events deemed to be beyond our reasonable control, including but not limited to, defects relating to the Freedom – Eagle Cash Card that stops or delays Us from doing something that We are supposed to do under these Terms and Conditions.
13.2 If You are directly affected by an event that was deemed to be under our control, we will only be responsible for the financial loss You suffer as a direct result of our error, up to a maximum of the balance on Your Card and not for any other loss whatsoever, whether direct or consequential (for example, loss of reputation).
13.3 If it is proven that You have acted fraudulently You will be liable for all losses on Your Card, if You act without reasonable care which results in financial losses, You will be both responsible and liable for those losses.
13.4 Provided You have complied fully with these Terms and Conditions, have not acted fraudulently or without reasonable care, You will not be liable for any fraudulent transactions or fees incurred on Your Card.
13.5 In the event that You or any additional cardholders fail to use Your Freedom - Eagle Cash Card in accordance with these Terms and Conditions or We find that You are using the Freedom - Eagle Cash Card fraudulently We reserve the right to charge You for all reasonable costs that We incur in taking action to stop You using Your Freedom - Eagle Cash Card and to recover any monies owed as a result of Your activities.
13.6 We accept no responsibility or liability for the goods or services that You purchase with Your Freedom – Eagle Cash Card.
13.7 We accept no responsibility or liability for a merchant refusing to honour a transaction on Your Freedom - Eagle Cash Card or failing to cancel an authorisation.
13.8 From time to time Your ability to use Your Freedom - Eagle Cash Card may be interrupted, e.g. when We carry out routine and preventative maintenance. If this happens, You may be unable (a) to use Your Freedom - Eagle Cash Card to pay for purchases or obtain cash from ATMs, (b) to reload Your card, and/or (c) to obtain information about the funds available on Your card and/or about your recent Freedom - Eagle Cash Card transactions.
13.9 The Financial Services Compensation Scheme is not applicable for the Freedom – Eagle Cash Card. No other compensation schemes exist to cover losses claimed in connection with this Prepaid Card. This means that in the unlikely event that Newcastle Building Society becomes insolvent Your funds may become valueless and unusable and as a result You may lose your money.

14. Who is operating my Freedom – Eagle Cash Card?

Your Card service is provided by White Eagle (Europe) Plc and Your Card is held with and issued by the Newcastle Building Society, which is authorised as a deposit taking institution and e-money issuer in the UK by the Financial Services Authority and is entered in the FSA’s register under number 156058. Their Principal Office is Portland House, New Bridge Street, Newcastle upon Tyne, NE1 8AL. Your Freedom - Eagle Cash Card will be operated on their behalf by White Eagle whose address is PO BOX 1294, Loudwater, High Wycombe, HP10 9TG
15. What happens when my Freedom – Eagle Cash Card expires?
15.1 We will contact You, before the expiry date on Your Card or when the cumulative turnover on Your non KYC (no identity required) Card reaches £600.
15.2 We reserve the right to decline a request by You to issue a replacement Freedom – Eagle Cash Card.
15.3 We will charge You a fee for any replacement Card issued (see Fees Summary).
15.4 You will be charged a cancellation fee in the event that you request a refund of the remaining funds on Your Card once Your Freedom – Eagle Cash Card has expired (see Fees Summary).

16. How will I be informed of any changes to these Terms & Conditions?

We reserve the right to change and amend these Terms and Conditions. All changes, including changes to figures and the Fees Summary, will be posted on Our website, www.freedom-card.co.uk. If We make any other material changes We will notify You by publishing such changes on Our website from time to time, or We may contact You by email, post, or SMS, except in exceptional circumstances. If You are significantly disadvantaged by any such change You may cancel Your Freedom - Eagle Cash Card in accordance with Our cancellation policy (see section 11). In such circumstances and at Our discretion, You will not be charged a cancellation fee.

17. What Law Applies?

17.1 English Law applies to these Terms and Conditions and English Courts will officiate over any legal proceedings between the Parties.
17.2 Your Card is subject to regulatory supervision by the Financial Services Authority.

18. What if I have a complaint?

18.1 If You are unhappy with the way that Your Card is being managed You should contact Customer Services so that We can investigate the circumstances as soon as possible. A copy of our complaints procedure is available on request.
18.2 If We are unable to resolve any complaint through our internal complaints procedure, you may contact the Financial Ombudsman Service at:
South Quay Plaza, 183 Marsh Wall, London E14 9SR
Telephone: 0845 080 1800
Email: enquiries@financialombudsman.org.uk
By using Your Freedom - Eagle Cash Card You agree to the Card load and spend limits, and to pay all applicable fees that We will charge You for using Your Card.

19. Fees Summary

The fees and Card limits are set out below:


Summary Box
The information contained in this table summarises the key product features and is not intended to replace any Terms and Conditions.


On Application
Card Issue Fee	The card is then valid for 12 Months or until the maximum turn over reaches £650 or the card is upgraded to an enhanced product.	£9.99
Additional Card Fee	The cost of any additional card issued (Companion Card)	£4.99
Other Initial Fees	Change from one tariff to another	£2.00
Limits	Min. amount of individual load.	£25.00
	Max. initial load/turnover for the Level 1 instant issue card.	£650 within a 12 month period until you have verified your identity.
	Verified cardholders max. card balance for the upgraded Level 2 card is	£1,650 for non personalised card.
	Verified cardholders max. card balance for the personalised Level 3 card is	£3,000 on a personalised card.
Usage restrictions	Maximum Card Balance	Identity Non Verified - £650 Identity Verified - £1650 Personalised - £3000
	Maximum POS Transaction	Identity Non Verified - £650 Identity Verified - £1500 Personalised - £1500
	Max. ATM withdrawal.	£150 per day until identity has been verified, thereafter £250 per day.
	Card validity	maximum 12 months until identity has been verified, thereafter up to 3 years.
Ongoing Features
Replacement Fees	Card renewal fee.	£4.99
	Card damaged replacement fee.	£4.99
	Lost/stolen card replacement.	£4.99
		Pay As You Go	Mixed	Monthly
Transaction Fees	Point of Sale payment (UK).	2.75% (min £0.50, max £1.25)	£0.20	FREE
Transaction Fees	Point of Sale payment (overseas).	2.75% (min £0.50, max £1.50)	£1.00	£1.00
Cash Withdrawal Fees	ATM withdrawal (UK).*	1.5% (min £0.99, max £1.50)	1.5% (min £0.99, max £1.50)	1.5% (min £0.99, max £1.50)
Cash Withdrawal Fees	ATM withdrawal (overseas).*	£2.25	£2.25	£2.25
Failed Transactions	Failed transaction fee	£0.20
FX	Handling fee (Foreign exchange).	2.75%	1.5%	1.5%
Service Fees	Monthly management fee.	£0.00	£1.95	£3.95
Balance Enquiry	Transaction history via SMS.	£0.30
	By Phone (24/7)	£0.30 per minute a BT landline
	Check balance and recent transactions online.	FREE
PIN over SMS	PIN retrieval Fee	£1.00
Top-up Fees and limits	Post Office load fee (Max £500)	2.00% Minimum: £0.99 GBP
	Payroll/Bank load (must not exceed maximum allowable card balance). (Max £1,500)	£1.00
	PayPoint load fee (Max £499)	3.00%
	Card to Card Transfer Online The transfer of funds from a Primary to a Companion card. (Max £1,500)	FREE
	Card to Card Transfer (Via SMS)The transfer of funds from a Primary to a Companion card. (Max £1,500)	£0.50
Other Fees	Investigation fee	£20.00 (See section 7)
Other Fees	PIN Replacement Fee.	£1.00
Closure
Cancellation Redemption	Cancellation fee	£10.00
Expiry	Card valid for up to 3 years.

*Some ATMs may charge an additional fee and should advise You before You confirm the transaction.

All fees and charges are reviewed from time to time and our Terms and Conditions updated. Please ensure that You check Our website regularly for any changes and updates. White Eagle reserves the right to update its fees and charges for promotional and commercial reasons.
Telephone calls to White Eagle customer services on 0871 288 4311, may be recorded. National call rates apply from BT landlines. Other operator’s charges may apply.
These Terms and Conditions were published on July 20th, 2009 and may be updated from time to time. Please check the website frequently.