Version 1.0 – 1st September 2020
Download as a PDF here
These Terms and Conditions apply to your use of UAB Travel Union (hereinafter – TU) Card issued to You by „Decta Limited“ („Issuer“) and operated by UAB „Travel Union“ („TU/We/Us“).
It also sets out other important things that you need to know in plain language.
The Card enables You to use the balance of Your TU e-money digital wallet (“TU Account”) to purchase goods and services online or at a point of sale and withdraw cash at relevant ATMs
Please read them carefully and keep a copy for your records. You can ask us at any time for a copy of these Terms and Conditions, our current rates of Fees and the current Usage Restrictions by contacting us using one of the Contact Methods.
In the event of a conflict between these Terms and Conditions and the e-money account terms of use, to the extent of the conflict, these Terms and Conditions shall prevail.
By applying for or activating Your Card in TU Mobile App, You are agreeing to these Terms and Conditions.
Please print or save a copy of this agreement for your records. You can ask for a copy of these terms and conditions through the TU app or find it at TU website at any time.
It’s important for you to understand how your card works, so if you’d like more information you might find it helpful to read our FAQs or simply exploring schematic explanations and videos at TU Website, Products section and YouTube channel.
For information about the fees and prices we’ll charge you under this agreement, please see the price list.
Currently TU offers services only in the Republic of Lithuania, though the electronic money license TU holds entitles it to provide services in other EU/EEA countries
Please note that we only provide our Services for domestic and private use. You agree not to use our Mobile Application for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
You will receive your TU Card from UAB “Travel Union” UAB, an Electronic Money Institution, registered at Saulėtekio av.17, Vilnius, Lithuania, legal entity code 304715528, company is incorporated and licensed under the laws of Republic is Lithuania.
E-mail address of the Company – info@travelunion.eu, internet website of the Company www.travelunion.eu
Your TU Card will be issued by Decta Limited, electronic money institution authorized and regulated by the Financial Conduct Authority as an Electronic Money Institution in the United Kingdom with registration number 900592 and a member of MasterCard International Incorporated.
You understand and confirm that by accepting these Terms and Conditions during the TU Card registration process on our App, you agree to abide by these Terms and Conditions concerning your use of the TU Card, and you also agree to our Privacy Policy and/or Children’s Privacy Policy which forms part of these Terms and Conditions.
If there is any part of these Terms and Conditions you do not understand or wish to clarify, please contact TU Customer Services.
To contact us, please contact customer services using the chat function, electronic telephone or via support@travelunion.eu
By using TU Mobile App, you confirm that you accept these terms of use and that you agree to comply with them.
If you do not agree to these terms, you must not use our services and TU Mobile App.
We recommend that you dowloand a copy of these terms for future reference, even though you can find all relevant versions in TU Website.
Please note that we only provide our services for domestic and private use. You agree not to use TU Mobile App for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We amend these terms from time to time. Every time you wish to use TU Mobile App, please check these terms to ensure you understand the terms that apply at that time.
If you choose, or you are provided with, a user identification code, passwords or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us using the customer chat function on our Mobile App or TU website
Please note that these terms of use, their subject matter and their formation, are governed by Lithuanian law. You and we both agree that the courts of Lithuania will have exclusive jurisdiction.
All communications relating to Your Card and Account will be in English.
If you are unhappy with the service provided under these Terms andConditions please contact TU Customer Services so we can help you. If you wish to make a formal complaint, you can do so online, by phone or in writing using the TU Contact details.
If, at the end of the TU procedures, you are still unhappy, you can refer your complaint related to TU Services, you shall have the right within 1 (one) year of the day of applying to the TU, to submit a request to the out-of-court disputes settlement institution – the Bank of Lithuania (address: Žirmūnų g. 151, LT-09128 Vilnius, e-mail: pt@lb.lt, internet website: www.lb.lt).
All Fees and Charges relating to the Card are detailed on the fees page of the TU Website. Fees will be deducted from your TU Account balance, if any.
If Your physical Card is lost or stolen You must report it immediately by logging into your TU Account and using the TU Mobile App facility or by calling our 24 hours support line. We will take immediate action to protect the funds in Your TU Account and cancel Your Card.
You can temporarily block the Card at any time by logging into your TU Account via TU Mobile App and using the “block” functionality.
If there are sufficient funds in Your TU Account to cover the delivery fee (see Fees), We will issue a new Card to Your current address within seven days.
If You believe that any of the transactions on Your TU Card were unauthorised or incorrectly posted to Your TU Account, You must notify TU Customer Services as soon as You become aware but not later than 13 months of the date of the debit to Your Account. If the transaction is one where the exact amount of the transaction was unknown at the time of authorisation (e.g. car hire or a hotel reservation) and the transaction amount appears incorrect, You must notify Us within eight (8) weeks of the date of the debit to Your TU Account.
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
Different limitations and exclusions of liability will apply to liability arising as a result of the sale of electronic money and other services we provide to you, which will be set out in our Electronic Money Terms
If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
TU and the Issuer are each independent data controllers of personal data provided to Us in connection with Your Card. Information on how TU use and protect your personal data is available in the TU Privacy Policy on www.travelunion.eu .
We will process and retain personal data in order to open and administer Your TU Card, to deal with any enquiries You have about it and comply with our Regulatory obligations. The types of personal data processed are likely to include, inter alia name, address, date of birth, contact details, financial information, employment details, device identifiers.
If We suspect that We have been given false or inaccurate information, We may record Our suspicion together with any other relevant information.Decisions may be made by automated means.
We and other organisations may also access and use this information to prevent fraud and money laundering. When We process Your personal data, we do so on the basis We have a legitimate interest in preventing fraud, money laundering, and to verify identity. These processes are carried out in order to protect Our business, Our customers, and to comply with regulatory requirements.
Please contact Customer Services if You want to receive details and/or contact Our Data Protection Officer.
You can also obtain any details of the information We hold about You and/or details of any other person to whom We may pass Your information, by writing to Us. You have a legal right to these details and, where applicable, to object to Us processing Your personal data and/or request that Your data is corrected or erased.
If You change name, address or contact details such as telephone numbers or an e-mail address You must notify TU within 14 days of the change.
It is also important to notify TU without delay of any changes to Your circumstances that may affect the running of Your TU Account or Your TU Card, by contacting Customer Services
To apply for TU Cards, you must be:
Full legal age in your country of permanent residence (TU due to regulatory reasons currently provide services only in Lithuania) and hold a valid national photo ID issued in that country and has confirmed his/her identity.
Children. It is a great way to pay for things and learn how to use money and upgrade financial literacy skills, please note, children can be only onboarded duly represented by their parents under their consent:
a) The children ≥14 years of old must download TU Mobile App, make selfie photo, provide ID, fulfil the registration questionnaires in the TU Mobile App. Further a procedure is as follow: i) TU accordingly provides QR code in his/her phone; ii) Parent scans QR code iii) Parent provides custody document and approve by signing electronic consent.
b) The children < 14 years of old must download the TU Mobile App, make selfie photo, provide ID. Further a procedure is as follow: i) TU accordingly provide QR code in his/her phone; ii) Parent scans QR code; iii) Parent provide custody document and fills children’s registration questionnaires and submits it on behalf of the kid.
c) In both cases parental consent for managing children’s personal data is provided after Selfie/ID stage (when children’s age is detected). Parents also can find the service privacy notice for children data management in TU Mobile App.
d) In case of children account all the above-mentioned questionnaires and confirmations provided/approved by children and/or parent or custodian agreement shall be valid and legally binding upon children.
register for the Card in accordance with the instructions set out on the registration procedure of TU Mobile App including indicating your agreement to be bound by these Terms and Conditions
not be in breach of any of these Terms and Conditions or otherwise have had access limited to your Card, or have had your Card closed by TU;
not be a resident of any country to which we do not provide the TU Card. Countries which are not available for issuing are excluded from the list of acceptable countries for the delivery.
owns TU Account/Mobile App
As part of this process, You may need to:
provide all of the information requested on the registration page of TU Mobile App, provide personal details (including your ID, selfie, full name, date of birth, residential address, email address and mobile phone number) so that we may verify your identity;
You must not provide any false, inaccurate, incomplete or misleading information
read and accept these Terms and Conditions and our Privacy Policy, Children Privacy Policy, Privacy Statement for the Parent and/or Guardian.
You may not be able to use the TU Card or any part of its functionality until you have passed our identity and security validation and verification checks, and provided information requested in accordance with anti-money laundering regulations. We may check all personal and identity verification information you give us with fraud prevention agencies and other vendors. These vendors may keep a record of your information and the searches made. However, we do not perform any search is for identity purposes only and will be recorded as such. We shall keep records of the information and documents we obtain to verify your identity in accordance with all applicable legal and regulatory requirements.
Where we are not able to verify your identity, we may ask that you provide further supporting documentation including scanned copies or photos of identification documentation (either your passport or driving license) and proof of your residential address and/or custodian documents until we are able to verify your identity successfully. If we are unable to verify your identity based on the documentation you have provided, in certain circumstances we may ask you to provide certified copies of the supporting documentation to help us verify your identity.
If you have not completed any of the steps set out above, you cannot complete the TU Account and TU Card application process.
If you already have created a TU account there is no need to repeat identity verification process unless it is required due to some reasonable measures.
The TU Card enables you to hold stored value (known as “electronic money” or “e-money”) which can be spent using your TU Card. You can use TU plastic card at any location that displays the MasterCard® acceptance mark, including shops, restaurants, online, or on the telephone. TU virtual card can be used for online transactions only. Before using the TU Card you need to make sure there are enough funds loaded on it.
You can check the balance of funds and view the transactions carried out on your Card Account on our Website or via the TU Mobile App
Once you have received and TU Card it is already activated. You can configure activation of your TU Card on the TU App. You will not be able to use your TU Card’s Contactless payments until you have made the first POS transactions via your TU Card.
You can access information on any transaction you have made by accessing your Card Account through the TU Mobile App. This will provide you with detailed information including the Fees you have paid in relation to any transaction.
For any MasterCard Transaction or ATM/bank withdrawal, we receive your transaction instruction from the Merchant or ATM/bank withdrawal service provider via the MasterCard network. For any other transactions, including a request to Redeem the funds on your Card, we receive your transaction message at the time you ask us to complete the transaction.
TU will deduct the value of your transactions from the balance on your Card and any applicable Fees at the time of the transaction. If you make a transaction, any applicable Fees will be added to the amount of the transaction so that the total sum of your transaction amount plus the applicable Fees will be deducted from your Card.
You can withdraw or revoke your authorization for a Transaction at any time until the authorization is received by us, using one of the Contact Methods. Authorization for a Transaction may not be withdrawn or revoked by you once it is received by us although in the case of a POS Transaction, the merchant may give you a refund.
You may check your balance and transaction history by logging into your Card Account on our TU Mobile App. We will update your transaction history near real-time. Your transaction history will show:
the amount of the transaction shown in the currency in which the transaction was paid and debited to the Card;
the foreign exchange rate used for currency conversion where applicable;
the amount of Fees for the transaction;
the date the transaction is Authorised or posted on to the Card.
You will be able to see separate card transactions history and statements for your Card from your TU account.
We recommend you check your Card balance and transaction history regularly and inform us regarding any suspicious transactions or transaction you do not recognize or disagree with as soon as possible
If something which We are not reasonably able to control, including but not limited to defects relating to the Card or Account, stops or delays Us from doing something We are supposed to do under these Terms and Conditions,We will not be responsible for any loss which You may suffer.
If You are affected by something which is Our fault or was in our reasonable control to prevent, We will only be responsible for the financial loss actually debited from your Account and not for any other loss whatsoever (for example, loss of reputation and indirect and consequential losses).
Provided You have not acted fraudulently or with gross negligence Your maximum liability for any transactions or fees incurred on Your Card if someone else uses Your Card before You report it lost or stolen will be 50.00 EUR.“Gross negligence” could include keeping Your PIN close to Your Card, so that both are easy to use by a third party.
You will be responsible for
iany unauthorised activity if You act fraudulently or with gross negligence; and
iany loss or fraud that results directly from Your failure to advise Us promptly of any name, address or contact details changes.
In the event that You do not use Your Card in accordance with these Terms and Conditions or We find that You are using the Card fraudulently, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You using this Card and to recover any monies owed as a result of Your activities.
We accept no responsibility or liability for the goods or services that You purchase with Your TU Card or for any product or service discounts arising from the purchase with Your Card.
We accept no responsibility or liability for a merchant refusing to accept Your TU Card or failing to cancel an authorisation.
Except in exceptional circumstances, e.g. customer fraud or a security breach,We will give You 60 days’ notice of any material change to these Terms andConditions. Notice will be sent to the email address registered to Your Account.Changes will be deemed to have been accepted unless You notify Us to the contrary before the proposed date the change comes into effect. Rejection of any proposed changes will amount to termination of these Terms andConditions and the cancellation of Your TU Card.
Providing you have sufficient funds in your account to pay the delivery fee, Physical Cards may be automatically renewed unless you advise us 30 days in advance that you do not wish to receive a new Card.
Unless stated otherwise, Your new TU Card will be on the same pricing plan as the expiring Card.
We reserve the right, in our sole discretion not to issue a new Card.
You have the right to withdraw from these Terms and Conditions and cancel Your TU Card:
within 14 days of the date of Your first Card transaction without cause and without penalty. We will refund the delivery charges if you cancel within this period.
at any time after the initial 14 day cooling off period. In this case, Your TU Card will be cancelled 10 days after We receive the withdrawal notice and you will be charged a cancellation fee.
We have the right to terminate this agreement and cancel a Card without cause by giving you 60 days written notice.
The Card will automatically be cancelled if:
Your Account is closed for any reason; or
The Issuer ceases issuing Cards for TU. In this case, TU will contact you to advise if another Card will be issued to you by another issuer or by TU directly.
We may at any time and without notice suspend, restrict, block or cancel Your TU Card, or refuse to issue or replace a Card for reasons relating to the following:
any of the information that You provided to Us when You applied for theCard was materially incorrect or false;
to comply with any applicable regulations or legislation;
You die;
You have not complied with these Terms and Conditions or your Account is suspended;
We have reason to believe that You have used, or intend to use, Your TU Card in a grossly negligent manner or for a fraudulent or otherwise unlawful purpose;
You use racist, threatening or abusive behaviour towards Our staff, or harass Our staff (including via social media).
We may at any time suspend, restrict or cancel your TU Account and/or your TU Cards, or suspend or refuse to issue or replace the TU Cards for reasons relating to the following:
we are concerned about the security of the TU Account and/or of the TU Cards that we have issued to you;
we suspect your TU Account and/or TU Cards are being used in an unauthorized, illegal or fraudulent manner;
we need to do so to comply with the law of any jurisdiction;
you tell us that your TU Prepaid Card is lost or stolen;
if the contract between us has been cancelled.
We may refuse to carry out a Transaction:
if we believe that you are acting in breach of these Terms and Conditions;
if we believe that a Transaction is potentially suspicious or illegal;
if the value of the Transaction you are attempting to make plus any applicable Fees is in excess of your Balance; or
if we are unable to carry out the Transaction due to errors, failures (whether mechanical or otherwise) or refusals caused by merchants, ATM operators, payment processors, card networks or payment schemes who are processing Transactions.
If we refuse to carry out a Transaction, unless informing you would compromise reasonable security measures or be otherwise unlawful, we will inform you at the earliest opportunity and in any event by the end of the Business Day following the day we have received the Transaction request. Normally we will inform you with an error message on the merchant’s or ATM operators’ terminal or website and if applicable, a receipt showing that the Transaction has not been successful, although in some instances we may inform you by phone or e-mail. You can contact the TU using any of the Contact Methods to ask for the reasons for refusing to carry out that Transaction and for an explanation of how you can correct any information we hold that led to our refusal to approve a Transaction.
We recommend that you check your Transaction history through the TU App on a regular basis to identify any potential unauthorized use of your TU Cards and to check for Transactions which you do not recognize. We will provide you with a statement of Transactions through the TU App on a monthly basis or upon demand and you shall keep that statement for your records for at least 18 months. Your statement will show:
information relating to each Transaction which will enable it to be identified;
the amount of each Transaction shown in the currency in which that Transaction was paid or debited to your TU Card;
the amount of Fees for each Transaction (where applicable);
the exchange rate (where applicable) which applied to each Transaction; and
for each Transaction, the date on which your authorization was received by us.
Issuer information
Decta Limited (Company number 09926210) a company registered in England and Wales with its registered office at Suite 3, Third Floor, 62 Bayswater Road, London W2 3PH, United Kingdom and which is authorized and regulated by the Financial Conduct Authority as an Electronic Money Institution in the United Kingdom with registration number 900592
See the contact details on Our website www.decta.com
TU information
UAB “Travel Union” UAB, an Electronic Money Institution, registered at Saulėtekio av.17, Vilnius, Lithuania, legal entity code 304715528, company is incorporated and licensed under the laws of Republic is Lithuania, auhorisation no. LB001966
For more information please see: https://www.lb.lt/lt/finansu-rinku-dalyviai/uab-travel-union
To contact TU Customer Service, please use support service on our TU mobile app or website.