The domain name www.thinkwink.com.au (website) is the website and property of Think Wink Pty Ltd (Wink).
The information on the website may not be accurate or up to date in all instances. Wink does not warrant the quality, accuracy or completeness of any information on the website.
The website may contain links to third party websites. Wink does not make any representations regarding the contents of third party websites.
Wink expressly disclaims any liability for or with respect to:
No information provided on the website is intended to constitute professional advice. Many factors unknown to Wink may affect the applicability of any information on the website. You should seek appropriate professional advice from a qualified person.
All intellectual property rights (including but not limited to rights relating to copyright, trade mark, logo, design and patent, whether registered or not) relating to:
You must not do any of the following without the prior written consent of Wink:
These Terms and Conditions apply to your Digital Prepaid Mastercard® (“the Card”). The card is issued by EML Payment Solutions Limited (ABN 30 131 436 532) AFSL 404131 (“EML”) pursuant to license by Mastercard Asia/Pacific Pte. Ltd. and distributed by TCN Group Pty Limited ABN 87 626 501 568 (“The Card Network”) or (“TCN”) EML has authorised The Card Network to arrange for the issue of the card. In these card terms and conditions, we, us or our means EML and The Card Network; and you, your or user means the cardholder.
When we refer to the Pays, we are referring to Apple Pay, Google Pay or Samsung Pay and further, when we refer to a Device, we are referring to a mobile or wearable device that allows you to store or otherwise add a Card to the Device.
Pays availability is subject to your respective Card program sponsor and device capability. Although the Card is Pays enabled, availability of the Pays is contingent upon the card program you have signed-up for. In addition, Cardholders associated with Pays enabled programs must ensure their device is Pays capable. This means your device must have the ability to store the Card and actuate a purchase.
Phone:1300 739 889 from 8am - 5pm Monday to Friday (Sydney time)
Mail: Locked Bag 5, Fortitude Valley BC, 4006
These Conditions of Use govern the use and operation of your Visa gift card (“Card”). Your Visa Card is issued to you by TCN Group Pty Ltd ABN 87 626 501 568 (“the Distributor”).
By acquiring this Visa Card, you accept these Conditions of Use.
In these Conditions of Use, “you” refers to the person who acquires the Card, whether by purchasing the Card or receiving the Card as a gift, and “us”, “we” or “our” refers to TCN Group Pty Ltd (“TCN”).
The Distributor is the distributor and promoter of your Card. The Distributor is also responsible for providing certain cardholder services to you. These services include providing you with your Card, providing lost and stolen services and assisting you with any enquiries you may have regarding the use of your Card.
When we refer to the Pays, we are referring to Apple Pay, Google Pay or Samsung Pay and further, when we refer to a Device, we are referring to a mobile phone or wearable device that allows you to store a Card to the Device. Pays availability is subject to your respective Card program sponsor and device capability. Although the Card is Pays enabled, availability of the Pays is contingent upon the card program you have signed-up for. In addition, Cardholders associated with Pays enabled programs must ensure their device is Pays capable. This means your device must have the ability to store the Card and actuate a purchase.
The Card is a prepaid Visa card that can be used for purchasing goods and services where prepaid Visa cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). Your Card cannot be used to make direct debit or recurring or regular instalment payments. Such attempted unauthorised use may result in your Card being suspended or cancelled and any remaining value on your Card being forfeited.
The card will expire according to the month and year found on your tokenised card on your device. The Card is valid until the expiry date and cannot be used after expiry. On the expiry of your Card, any balance that remains after the expiry date will not be available for use and will be forfeited by you and become the property of the Distributor.
All transactions conducted overseas will be converted into Australian dollars. Transactions will either be converted directly into Australian dollars or will be first converted from the currency in which the transaction was made into US dollars and then converted to Australian dollars by Visa Worldwide PTE Ltd (“Visa”). The conversion rate used is either:
You must not use your Card for any unlawful purpose, including the purchase of goods or services prohibited by the laws of Australia and/or the laws of the location where the Card is used or where the goods or services are provided. Should your Card be used for unlawful purposes, we may restrict you from accessing any value available on your Card.
The Card cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees.
Your Card is not reloadable. This means that additional funds cannot be added onto your Card. The Card is not a credit card and nor is it linked to a deposit account with us.
The Card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments.
Authorisations may be declined at some merchants (such as gambling merchants or merchants who choose not to accept the Card). Merchants may also impose their own restrictions on the use of your Card, such as minimum payment amounts.
We are not liable in any way when an authorisation is declined for any particular transaction except where the authorisation has been declined because of an act or omission on our part.
We are not liable in circumstances where you have other cards stored on your Device for payment and you inadvertently use the Card when using your Device as a payment method. You must ensure that you select the correct card prior to using your Device as a payment method.
We are not otherwise liable for the use, functionality or availability of a Device, the availability of merchants who allow the use of the Device and Card as payment, or a reduced level of service caused by the failure of third party communications and network providers (except to the extent deemed liable under the ePayments Code).
Ensure you keep your Card secure. We are not liable for transactions on your Card if: a) your Device security measures are compromised; or b) where you allow others access to, or the means to access, your Device; or c) any other circumstances in which you allow others to circumvent the security measures of your Device.
You are responsible for all transactions on your Card, except those that are as a result of TCN employees and/or agent’s fraud or negligence. If your Card is lost or stolen, or you suspect an unauthorised transaction, immediately report this to TCN by calling 1300 375 346.
The Card is like cash and may not be replaced if misused, lost, stolen or damaged.
We may (at our discretion) replace a faulty, lost or stolen Card. Any replacement Card will have the same unused value at the time of replacement and expiry date as the original Card.
The Card will be void if it is defaced, mutilated, altered or tampered with in any way.
We do not charge any fees for using the Card. However, some merchants may charge you for using the Card and such fees may be deducted from the balance of your Card at the time of the transaction.
A Currency Conversion Fee is payable by you when you make a transaction on your Card in a currency other than Australian dollars. A Currency Conversion Fee may also be payable if you make a transaction on your Card in any currency (including AUD) that is processed by a card scheme or financial institution or billed by the merchant outside of Australia. It may not always be clear, particularly when purchasing online, that the merchant, financial institution or card scheme processing is located outside of Australia.
Any refunds on Card transactions are subject to the policy of the specific merchant.
Refunds may be in the form of a credit to the Card, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.
Refunds in currencies other than Australian dollars are converted to Australian dollars as at the date they are processed by using exchange rates determined by them. This may lead to the refund being converted using an exchange rate different from the one used to convert the original purchase. The converted Australian dollar amount appears on your transaction history as the transaction amount.
If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact The Card Network.
We have the ability in certain circumstances to investigate disputed transactions which occur on your Card and attempt to obtain a refund for you. In accordance with the Visa scheme rules, our ability to investigate a disputed transaction on your behalf is limited to the time frames imposed pursuant to the Visa scheme rules. The maximum timeframes vary between 75 days and 120 days so it is important that you notify us as soon as you become aware of a disputed transaction.
If you notice any error relating to the Card or have a query about the Card, you should initially contact The Card Network by contacting Client Services during business hours on 1300 375 346 or firstname.lastname@example.org.
You are responsible for all transactions on the Card, except where there has been fraud or negligence by our staff or agents.
We may restrict or stop the use of the Card if suspicious activities are noticed.
You are responsible for checking your transaction history, knowing the available balance and date of expiry for the Card. Balance and transaction history are available to you within the app on your Device.