Prepaid Indo-Link Cardholder Agreement

This Cardholder Agreement ("Agreement") governs the use of your prepaid reloadable Indo-Link Card. Please read it carefully and keep it for your records. Please sign your Card immediately. By signing the reverse side of your Indo-Link Card or using your Indo-Link Card, you have agreed to be bound by the terms and conditions of this Agreement.

Cardholder Agreement

IMPORTANT – PLEASE READ CAREFULLY

Terms and Conditions/Definitions for the Prepaid Indo-Link Card.

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Prepaid Indo-Link Card has been issued to you by INDO-LINK.com, Batam, Indonesia. The Issuer is an FDIC insured member institution.  “Card” means the Prepaid Indo-Link Card issued to you by INDO-LINK.com.  By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.  “Card Account” means the records we maintain to account for the value of claims associated with the Card.  “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement.  “We,” “us,” and “our” mean the Issuer, our successors, affiliates or assignees.  "Designated Loading Point" is any participating establishment that will accept cash value loads to be credited to your Card as specified at INDO-LINK.com.  You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf.  You agree to sign the back of the Card immediately upon receipt.  The expiration date of the Card is identified on the front of your Card.  The Card is a prepaid card.  The Card is not connected in any way to any other account.  The Card is not a credit card.  The Card is not for resale.  You will not receive any interest on your funds in the Card Account.  The Card will remain the property of the Issuer and must be surrendered upon demand.  The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.  The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes.  We may refuse to process any transaction that we believe may violate the terms of this Agreement. 

Write down your Card number and the customer service phone number provided on the back of your Card on a separate piece of paper in case your Card is lost, stolen, or destroyed.  Keep the paper in a safe place.  Please read this Agreement carefully and keep it for future reference.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

To help customers to have easier way to do transaction without using much of the time. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see a copy of your driver’s license or other identifying documents. 

Activate Your Card

Your Card will be activated when you load funds onto it in accordance with the rules applicable to the Card program, including funds sufficient to pay any applicable One -Time Card Fee.  If your Card has to be reissued for any reason.

Personal Identification Number

A Personal Identification Number (“PIN”) has been or will be assigned to your Card.  You should not write or keep your PIN with your Card. Never share your PIN with anyone.  When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious.  If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.”

Authorized Card Users

You are responsible for all authorized transactions initiated and fees incurred by use of your Card.  If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons.  You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

Secondary Cardholder

You may not request an additional Card for another person.

Your Representations and Warranties

By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that:  (i) you are at least 18 years of age; (iii) you have provided us with a verifiable street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

Cash Access

 With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant that bears the INDO-LINK.com.  All ATM transactions are treated as cash withdrawal transactions.  You may use your Card at an ATM.  The maximum cumulative amount that may be withdrawn from an ATM per 24 hour period is Rp. 10.000.000,-.  You may use your Card to withdraw cash from a bank (over the counter withdrawal).  Any funds withdrawn from a POS device or through a participating bank (over the counter withdrawal) will be subject to the maximum amount that can be spent on your Card per 24 hour period. 

Loading Your Card

You may add funds to your Card, called “value loading”, at any time.  You may add value or load your Card via direct deposit, ACH transaction from your checking or savings account, Card-to-Card transfers, PayPal, or cash at any Designated Loading Point.  You can obtain information on how to load your Card at www.indo-link.com. The minimum amount of the initial value load and each value reload is Rp. 100.000,-.  The maximum amount of the initial value load and each value reload by type is as follows:

Value Load Type:

Limit:

Ø  Cash

Rp. 10.000.000,- total per 24 hour period

Ø  Card-to-Card transfer between cardholders

Rp. 10.000.000,- total per 24 hour period

 

 

Ø  ACH/Direct Deposit via employer issued payroll

Rp. 5.000.000,-

Ø  ACH via PayPal, Government Benefits, or Child Support

Rp. 10.000.000,-

 

 

You will have access to your funds at the times specified below.  Please note the load schedule varies with each deposit method:

Ø  Direct Deposit/ACH: 

Same day as received.

Ø  Cash Load: 

Usually within one (1) hour, but no later than the next business day.

Ø  Card-to-Card Transfers:

Within one (1) hour on the date specified by you.

Ø  PayPal:

Same day as received.

 

Using Your Card/Features

The maximum amount that can be spent on your Card per 24 hour period is Rp. 10.000.000,-.  The maximum value of your Card is restricted to Rp. 20.000.000,-. For security reasons, we may limit the amount or number of transactions you can make on your Card.  Your Card cannot be redeemed for cash.  You may not use your Card for online gambling or any illegal transaction.

You may use your Card to purchase services. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender.  If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card.  You must then arrange to pay the difference using another payment method.  Some merchants may require payment for the remaining balance in cash.  If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.

If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. 

Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees.  You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions.  Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.  You may not make preauthorized regular payments from your Card Account.  If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days.  All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

We will also make available to you a system which allows for payment to third parties via a pre-authorized electronic deduction or by issuing a paper check.  Any payments made through this system will be deducted from your available balance within twenty-four (24) hours or on any future date specified by you.  If you do not have the funds available at the time we attempt to make the payment from your account, the payment will not be made.  If you have scheduled multiple payments to be made and the funds on your account are not sufficient at the time we attempt to complete all of the scheduled payments, we pay only those for which your balance is sufficient to cover, starting with the lowest dollar amount payment.  We will notify you by email of any failed attempts to make payments from your account.

Some merchants may elect to route your transaction through a non-Visa network.  In the event the merchant requests your PIN number, it is possible the merchant is attempting to route your transaction through a non-Visa network. If you provide your PIN number for transactions, a PIN POS fee may apply as disclosed in the “Fee Schedule” section of this Agreement.  Routing the transaction through a non-Visa network may also impact your reduced liability for non-Visa transactions as described in the “Your Liability for Unauthorized Transfers” section of this Agreement.

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. 

Card Replacement

If you need to replace your Card for any reason, please contact us at c.service@indo-link.com to request a replacement Card.  You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc.   

Receipts

You should get a receipt at the time you make a transaction using your Card.  You agree to retain, verify, and reconcile your transactions and receipts. 

 

Card Account Balance/Periodic Statements

You are responsible for keeping track of your Card Account available balance.  Merchants generally will not be able to determine your available balance.  It’s important to know your available balance before making any transaction.  You may obtain information about the amount of money you have remaining in your Card Account by calling the phone number on the back of your Card.  This information, along with a sixty (60) day (or more) history of Card Account transactions, is also available online at c.service@indo-link.com.  You also have a right to obtain a sixty (60) day written history of Card Account transactions by calling the phone number on the back of your Card or by writing email tp us at c.service@indo-link.com.  However, there is a fee for this service.  You will not automatically receive paper statements. 

Confidentiality

We may disclose information to third parties about your Card or the transactions you make:

(1)    Where it is necessary for completing transactions;

(2)    In order to verify the existence and condition of your Card for a third party, such as merchant;

(3)    In order to comply with government agency, court order, or other legal or administrative reporting requirements;

(4)    If you consent by giving us your written permission;

(5)    To our employees, auditors, affiliates, service providers, or attorneys as needed; or

(6)    Otherwise as necessary to fulfill our obligations under this Agreement.

Our Liability for Failure To Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

(1)    If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;

(2)    If a merchant refuses to accept your Card;

(3)    If an ATM where you are making a cash withdrawal does not have enough cash;

(4)    If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;

(5)    If access to your Card has been blocked after you reported your Card lost or stolen;

(6)    If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;

(7)    If we have reason to believe the requested transaction is unauthorized;

(8)    If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or

(9)    Any other exception stated in our Agreement with you.

 

Information about Your Right to Dispute Errors

In case of errors or questions about your Card Account, call us at the number provided on the back of your Card, or email us as soon as you can.  We must allow you to report an error until thirty (30) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared.  You may request a written history of your transactions at any time by calling us at the number provided on the back of your Card.

You will need to tell us:

1.  Your email address and Pin Number.

2.  Why you believe there is an error, and money amount involved.

3.  Approximately when the error took place.

If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  If we decide to do this, we will credit your Card Account within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation.  This type of credit is referred to as a “provisional” (or temporary) credit.  If we determine there was no error, we will reverse this credit. 

For errors involving new Cards, may take up to ninety (90) days to investigate your complaint or question and up to twenty (20) business days to provide any applicable provisional credit to your Card.

We will tell you the results within three (3) business days after completing the investigation.  If we decide that there was no error, we will send you a written explanation and reverse any provisional credit provided.  Copies of the documents used in the investigation may be obtained by calling the number provided on the back of your Card or visiting our website.  If you need more information about our error-resolution procedures, call us at the telephone number provided on the back of your Card.

Other Miscellaneous Terms

Your Card and your obligations under this Agreement may not be assigned.  We may transfer our rights under this Agreement.  Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.  We do not waive our rights by delaying or failing to exercise them at any time.  If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected.  This Agreement will be governed by the law of the country of Indonesia.

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time.  You will be notified of any change in the manner provided by applicable law prior to the effective date of the change.  However, if the change is made for security purposes, we can implement such change without prior notice.  We may cancel or suspend your Card or this Agreement at any time.  You may cancel this Agreement by returning the Card to us.  Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance, to be returned to you via a check to the mailing address we have in our records.  The Issuer reserves the right to refuse to return any unused balance amount less than Rp. 1.000.,-.

If we identified any fraudulent, illegal or any other use of your Card which is not permitted by this Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other Prepaid Visa RushCard(s) you may have. 

English Language Controls 

Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

 

Customer Service

For customer service or additional information regarding your Card, please contact us at email: c.service@indo-link.com

 For your security, please DO NOT send the following information via e-mail:

Your Account number

Your Personal Identifiable Information – such as Social Security Number or Birth date

Your INDO-LINK logon information (User ID or password)

Images of Identification (your state issued ID or social security card)

Customer Service agents are available 24 hours a day, seven days a week. 

Telephone Monitoring/Recording & Solicitation 

From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

ARBITRATION:  Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: (i) this Agreement; (ii) your Card; (iii) the Cards of any additional cardholders designated by you; (iv) your purchase of the Card; (v) your usage of the Card; (vi) the amount of available funds in the Card Accounts; (vii) advertisements, promotions or oral or written statements related to the Cards, as well as goods or services purchased with the Card; (viii) the benefits and services related to the Cards; or (ix) transaction on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. 

ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING.  NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT.   IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.   

All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final.  Judgment on the arbitration award may be entered in any court having jurisdiction.   

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.

This arbitration provision shall survive: (i) the termination of the Agreement; (ii) the bankruptcy of any party; (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity; or (iv) expiration of the Card.  If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force. 

 IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD.  SAVE YOUR RECEIPT AND CALL US AT THE NUMBER PROVIDED ON THE BACK OF YOUR CARD TO CANCEL AND TO REQUEST A REFUND.