Merchant-configurable South African consumer terms for a gift card issued and administered through Bibeno.
The issuer must complete the configured issuer identity, contact, participating locations, value, currency, issue date, redemption, exclusions, balance, loss, complaint, and refund fields before presenting these terms. A consumer receives the exact configured version at or before issue. Bibeno is the platform provider, not the issuer, unless the final issued terms expressly and lawfully say otherwise.
The merchant named on the issued card and receipt is responsible for the gift-card value and consumer obligations. The card may be physical, digital, or represented by an approved code or account reference. It is not a bank account or general payment instrument and may be used only within the stated redemption scope.
The opening value and currency appear on the card evidence or receipt. Value becomes available after the issue transaction and required payment are successfully recorded. No interest accrues. Fees may be charged only where lawful, specifically approved, and conspicuously disclosed before purchase.
The card is valid for the period shown when it was issued, which is never less than three years after issue, or without an expiry date where that is shown. You can use the remaining value in full or in parts during that period, and the card ends earlier only when its full value has been used. A system setting, printed date, inactivity rule, replacement, or programme change cannot shorten that minimum, and any law that gives you greater protection applies.
The card may be redeemed for eligible goods or services at the locations or channels stated by the issuer, subject to the disclosed exclusions. Partial redemption leaves the unused balance available. The issuer provides a balance-enquiry method and, where practicable, a receipt showing value applied and remaining.
Cash redemption, transfer, combination with another card, split tender, minimum spend, and change are handled under the issuer's configured rules and mandatory law. No configured rule may remove a statutory remedy or unlawfully forfeit value.
A return for a purchase made with the card is processed under the issuer's returns policy and mandatory consumer rights. The approved method may restore value to the original card, issue replacement value, or use another lawful method. A failed or duplicate redemption is corrected by reference to the original transaction evidence.
The consumer should report loss, theft, compromise, or an unrecognized transaction promptly through the issuer's published channel. The issuer may freeze value while it verifies identity, ownership, balance, and transaction evidence. Replacement is subject to the configured fair process and mandatory rights; the consumer should not disclose a full secret code in ordinary email.
The issuer may temporarily restrict a card where there is reasonable evidence of fraud, duplication, tampering, unlawful use, or a disputed charge. It will preserve evidence, investigate fairly, avoid permanent forfeiture without a lawful basis, and provide the complaint route.
The issuer and Bibeno process the personal information needed to issue, secure, redeem, support, and comply with law under the applicable privacy notice. Marketing is optional and separate from purchase or redemption. The consumer may use the published privacy-rights channel.
Stopping new gift-card sales does not extinguish outstanding lawful value. The issuer will maintain a redemption route or provide a lawful replacement or refund route, communicate material changes, and honour existing commitments and mandatory rights.
Questions, balance disputes, and complaints may be submitted to the issuer using the contact details presented with the card. These terms do not limit rights under the Consumer Protection Act or another applicable law. The configured final terms must identify any applicable external complaint route.
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