Cardholder Terms

Note that these terms and conditions are a previous version that is only applicable to any cardholder who has not accepted You Technologies as the holder of this stored value facility. If you are such a cardholder, please contact us at customer@you.co for further assistance.

1. These terms and conditions apply to any holder of this card (the “Card” or “YouTrip Card”). By using your Card you are demonstrating your agreement to these terms and conditions.
2. The Card is promoted by You Technologies Group (Singapore) Pte Ltd (“You Technologies”), who designs and develops the YouTrip card and mobile application. The Card is issued by EZ-Link Pte Ltd (“EZ-Link”), who is licensed by MasterCard to issue MasterCard cards. EZ-Link have entered into an agreement with MasterCard where the Card bearing the MasterCard logo shall be accepted for payment at all merchants or retail points where MasterCard transactions can be made.
3.  The YouTrip card is issued by EZ-Link Pte Ltd pursuant to license by Mastercard Asia/Pacific Pte Ltd. EZ-Link Pte Ltd, the holder of Mastercard Prepaid Card Store Value Facility, does not require the approval of the Monetary Authority of Singapore. Consumers (users) are advised to read the terms and conditions carefully.
4. In these terms and conditions, the following words and phrases have the meanings shown next to them:
   1. “EZ-Link” means EZ-Link Pte Ltd and our successors, assignees and authorised agents. “We”, “our” and “us” have corresponding meanings;
   2. “You” means the person who purchased the Card, or the person for whose benefit or uses the Card has been purchased. “Your” has a corresponding meaning;
   3. “YouTrip” means the payment and financial service platform provided by You Technologies via YouTrip Card, YouTrip App, or any other format applicable for the provision of its service;
   4. “YouTrip Card” or “Card” means YouTrip Prepaid Debit Mastercard® Card;
   5. “YouTrip App” or “App” means the mobile application developed by You Technologies to access to the service of YouTrip;
   6. “You Technologies” means You Technologies Group (Singapore) Pte Ltd and our successors, assignees, and authorised agents.
5. You shall:
   1. pay a card fee (“Card Fee”) of such amount (as may be determined by us from time to time) upon the initial purchase of the Card. Different Card Fees may be chargeable depending on the type of card purchased; and
   2. provide identification particulars or such other information where required by EZ-Link upon obtaining your Card, including and not limited to instances where your initial Card expires, thus requiring a replacement card, and where your original ID has expired, requiring a resubmission of an updated and valid ID.
6. You shall sign the Card on the signature panel on the back of the Card immediately upon receipt, and safeguard the Card.
7. We shall not be responsible/liable to you for any discrepancy between the signature appearing on the Card and the corresponding sales slip or if for any reason(s) the Card is not accepted. You agree and understand that any discrepancy between the signature appearing on the Card and the corresponding sales slip shall not by itself be a ground for disputing the validity of the sales transaction.
8. Your Card shall be valid for the period (“Validity Period”) stated on the card and shall expire on the first day of the following month indicated on the face of the Card. You agree and understand that the Validity Period may not be extended.
9. We may permit the maximum stored value on the Card to be reloaded up to Singapore Dollars Three Thousand (S$3,000.00) where the Card has been designated by us as a reloadable card, and you have completed such registration requirements as may be determined by us. We shall be under no obligation to accept the registration, and may in our discretion reject any registration application without providing any reasons.
10. All card sales are limited to Singapore and delivery to Singapore addresses only. Delivery to postal boxes shall not be accepted.
11. Top-ups, where permitted, may be done at authorised agents appointed by us. A fee may be chargeable for each top-up.
12. We will only permit top-ups and cash withdrawals given you have completed such registration requirements as may be determined by us.
13. You must:
    1. ensure that you have sufficient balance in your Card for the payment transaction before use;
    2. keep a secure record of your Card number and the date on which your Card expires;
    3. keep your Card safe and within your possession. No refunds or replacement shall be entertained for any lost or stolen card;
    4. sign and activate your card as soon as you receive it;
    5. always remember to take your Card back after using it; and
    6. provide us with all necessary assistance to recover any unauthorised amount paid from your available balance.
14. You must not:
    1. allow any other person to use your Card;
    2. give your Card number and details to any unauthorised person; or
    3. leave your Card in an unattended wallet, purse or vehicle or anywhere where another person could remove your Card without being noticed.
15. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.
16. If your Card has expired, you must not continue to use it. If there is any unused stored value on your Card when your Card expires, you shall no longer be entitled to use that unused stored value.
17. You may not request for refund of the available stored value on the Card before the expiry date stated on your Card. We shall only be obliged to refund you the remaining stored value, if any, on the Card under the following conditions:
    1. a refund application form is duly completed and submitted to us;
    2. the refund application form is filed with us after the expiry date of the Card, but within 1 month from the expiry date of the Card; and
    3. a refund processing fee shall apply for each refund, and shall be deducted from the remaining stored value on the Card. We will only be obliged to process a refund if the remaining stored value exceeds the refund processing fee. If there is insufficient stored value to cover the refund processing fee, we will notify you in writing of the unsuccessful refund.
18. The remaining stored value will be refunded or made available to you within 30 days from the date we receive your refund application form. If you do not collect or effect your refund within 50 days from the date the refund is made available, you shall be deemed to have abandoned your claim to the remaining stored value and shall no longer be entitled to the remaining stored value, and we shall have the right to deal with the unclaimed stored value as we deem fit.
19. If you do not file for a refund within 1 month from the expiry date of your Card, you shall be deemed to have abandoned your claim to the remaining stored value and no longer be entitled to claim the remaining stored value, and we shall have the right to deal with the remaining stored value in such manner as we deem fit.
20. You are not permitted to terminate your Card for any reason whatsoever, and you shall not be permitted to any refund in event of any purported termination of your Card.
21. If your Card is damaged or defaced, you may apply for a replacement Card from us. A replacement fee determined by us shall be chargeable for the replacement of your damaged Card. Any remaining stored value in the damaged or defaced card shall only be transferred to the new card. Transfer of remaining stored value is only applicable to registered cards. For replacement of cards, cardholders will need to produce the damaged or defaced card and may be required to provide receipts for proof of purchase.
22. The replacement Card shall be delivered to the registered Cardholder’s address in Singapore.
23. Fees will be charged for some services. Please refer to the pricing structure at www.you.co
24. The Card can be used for transactions that are not in the currency of Singapore Dollar (“Foreign Currency”). If you make a Foreign Currency transaction, we will either settle such transaction in the Foreign Currency balance available in your YouTrip account, or change such amount into Singapore Dollar at a competitive rate of exchange that is provided by financial exchanges. Exchange rates may change. Please refer to the YouTrip App for the latest rates.
25. We may permit you to register the Card with us in order to be a registered cardholder (“Registered Cardholder”). You shall produce the Card as well as appropriate photo identification documents (such as NRIC or other identification documents) to verify your personal particulars. Registration is only available on the YouTrip App. Upon successful registration, the card may be reloadable up to the maximum stored value of Singapore Dollars Three Thousand (S$3,000.00). Registration also allows you to inform us to blocking and unblocking of cards and replacement in case of damage or loss. We reserve the right to add more features or withdraw any features without prior notice.
26. Registered Cardholders shall, subject to the terms and conditions herein, not be liable to us for any fraudulent transactions not authorised by you after you have reported the loss to us.
27. We may, at any time amend any part of these Terms. We will give notice of any amendment by posting the same at our website at www.you.co or through such channels as we may determine in our discretion. Any such amendment shall bind you upon notice or on the date which such amendment takes effect as specified in the notice, whichever is earlier. You shall agree that any notification of amendments as aforementioned shall be sufficient notice for the purpose of this paragraph. Your continued use of the Card after the date of such notification shall constitute an affirmative acknowledgement by you of the amendments and shall be deemed to be your acceptance of such revised Terms.
28. Our liability for any loss or damage that you may incur arising from the use of the Card shall not exceed Singapore Dollars Three Thousand (S$3,000.00) or the actual loss or damage, whichever is the lower.
29. No failure or delay on our part in exercising any power, right, or remedy under these Terms shall operate as a waiver of such power, right, or remedy.
30. A person or entity who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act, chapter 53B of Singapore to enforce any term of these Conditions, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, nothing in this paragraph shall affect the rights of any permitted assignee or transferee of these Terms.
31. The construction, validity and performance of these Terms shall be governed by and construed in accordance with Singapore law. Each party mentioned herein hereby submits to the non-exclusive jurisdiction of the Singapore courts.
32. We reserve the right to block or restrict Transaction Limits of the Card on any transactions that is deemed high risk.