Conditions of use for permanent tsb Visa Card

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In these conditionsand in any relateddocuments:1 DEFINITIONS:ACCOUNT: means the card account kept by us in the name of thePrincipal Cardholder in which debits and credits in respect ofTransactions are recorded.AGREEMENT: means this agreement (and Conditions) between us andthe Principal Cardholder for the opening of an Account and the issue ofa Card and incorporates the application form and each card carrier (aconfidential mailing slip or cover containing instructions regardingauthentication and security and the current Credit Limit), all fees andcharges booklets and schedules and all other documents that areincorporated into these Conditions or otherwise become part of ouragreement with you.AUTHORISED USER: means a person nominated by the PrincipalCardholder and permitted to use a Card on the Account.BALANCE TRANSFER: means a transfer of a credit card debit balancewhich a cardholder owes to another financial institution and which wehave agreed to accept and debit to the Principal Cardholder’s Account;BANK: means Irish Life & Permanent plc trading as permanent tsb, itssuccessors and assigns;BUSINESS DAY: means a day (other than a Saturday, Sunday or publicholiday) on which we are generally open for business in Ireland and,where a payment to an account with another bank is involved, on whichthe payee’s bank is also open for business.CARD: means permanent tsb Visa Card, currently issued by us to you,and which may include a Chip.CASH MACHINE: means a machine which dispenses cash and/or, insome cases, receives lodgements and/or performs other bankingfunctions.CHIP: The microchip embedded in the Card and visible on the Card as aGold or Silver coloured microchip.CONDITIONS: means these terms and conditions as may be extended,added to or substituted from time to time.CONSUMER: means a natural person who is acting for purposes otherthan his/her trade, business or profession.CREDIT LIMIT: means the maximum debit balance permitted on theAccount as determined by us and notified to the Principal Cardholderfrom time to time.EEA: means the current members of the European Economic Area asmay be amended from time to time.The EEA consists of the Member States of the European Union whosecurrent members can be found online at http://europa.eu/ and themember states of the European Free Trade Association whose currentmembers can be found online at www.efta.int.1
FEES BOOKLET: means the current edition of our Personal andBusiness Banking Charges booklet, as amended from time to time.IRELAND: means the Republic of Ireland.MERCHANT: means a supplier of goods and or services.MICRO-ENTERPRISE: has the meaning given to it by CommissionRecommendation 2003/361/EC of 6 May 2003 concerning thedefinition of micro, small and medium-sized enterprises.OPEN24 SERVICE: means the system provided by us from time to timeto enable you to access, transact and utilise services provided by ususing telephone, Internet or other technology-based communication, andwhich is available via, inter alia, www.open24.ie.PAYMENT SERVICES DIRECTIVE OR PSD: means Directive2007/64/EC relating to payment services as amended or replaced fromtime to time and transposed into Irish law.PIN: means the secret personal identification number that is used with aCard as allotted by us and/or subsequently chosen by you.PRINCIPAL CARDHOLDER: means only the person in whose name anAccount is maintained and does not include any Authorised Users.SECURE SYSTEM: means a system approved by us to enable thesecure use of your Card over the Internet.STATEMENT: means a paper or electronic statement issued by us inrespect of the Account.TERMINAL: means a machine capable of accepting Transactions withthe use of a Card.TRANSACTION: means the purchase of goods, services, cash advancesor other benefits obtained by use of the Card, the Card number andwhere appropriate, in conjunction with the PIN for debit or credit to theAccount pursuant to the Agreement.VISA CARD DEPARTMENT: means the permanent tsb Visa CardDepartment, Main Street, Dundrum,Dublin 14.2 WHO WE AREAny reference in these Conditions to “you” and “your” refers to thePrincipal Cardholder and, unless the contextotherwise requires, anyAuthorised User.Any reference to ‘we’, ‘us’ and ‘our’ means the Bank and includes oursuccessors and assigns. We are regulated as a credit institution by theFinancial Regulator of PO Box 9138, College Green, Dublin 2 and ourprincipal business is the provision of financial services. Our headoffice is at 56/59 St Stephen’s Green, Dublin 2 and our registered officeis at the Irish Life Centre, Lower Abbey Street, Dublin 1. Our websiteaddress is www.permanenttsb.ie. We are registered at the CompaniesRegistration Office, Dublin under registration number 222332. Our VATnumber is IE8222332J.3 SCOPE AND APPLICATION(a) These Conditions apply to the operation of the your permanent tsbVisa Card and (unless agreed in writing to the contrary) are deemedto be incorporated in and form part of all agreements between usand you for such Card products and services.2
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Page 5 and 6: (iv) to obtain the facilities and b
Page 7 and 8: (d) If we suspect that a Card is be
Page 9 and 10: (c) Subject to the liability provis
Page 11 and 12: (xi) We may, but shall not be oblig
Page 13 and 14: In no circumstances will we be liab
Page 15 and 16: If you make a claim for such a refu
Page 17 and 18: (b) On the death or legal disabilit
Page 19 and 20: 27 CONTACTING YOU(a) You shall imme
Page 21 and 22: OTHER RIGHTS TO TERMINATE THE CONTR
Page 23 and 24: DUPLICATE STATEMENT€2.50 per page

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