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Bocal (UK) Terms and Conditions and Applicant Declaration

1. Terms Of Use Agreement

THIS AGREEMENT IS BETWEEN Bocal (UK) Ltd and the applicant. When you receive your International Prepaid Card the card issuer will also send you their terms and conditions for use of the card which you will need to sign and return before the card is activated. Once you sign these terms and condition you will then be bound.

This Terms of Use Agreement ("Agreement") and any additional terms incorporated by reference govern your application for the International Prepaid Card ("International Prepaid Credit Card", "Corporate Prepaid Credit Card"). This Agreement also constitutes the terms and conditions between you and Bocal (UK) Ltd ("Bocal (UK) Ltd", "we", "us", or "our"), the intermediary for your International Prepaid Card. By applying for the International Prepaid Card, you the Customer ("you" or "your") agree to be bound by all terms and conditions of this Agreement. If you have any questions concerning the International Prepaid Card or your use of the Card, please contact Customer Service at +44 (0)208 440 5111 or email us at info@bocal.co.uk. Please read this Agreement carefully and keep it for future reference.

2. The International Prepaid Card Program

The international prepaid Card program is a sponsored program involving a an International Bank and Card Processor. The program is developed to provide an opportunity for international clients to obtain a international prepaid visa card.

Flexible Financial Services Ltd is a independent sales organisation and licensed credit broker providing a number of innovative services for both UK and international clientele. Bocal (UK) are in partnership with Flexible Financial Services to market their products in UK and abroad. Their website can be found at www.flexiblefinancialservices.com

3. The International Prepaid Card

The International Prepaid Card is a stored-value MasterCard or Visa card that enables you to purchase goods and services from merchants that accept the MasterCard cards and Visa, and to obtain cash at participating automated teller machines ("ATMs") displaying the MasterCard®, Maestro®, Cirrus® or Visa® Brands. When you apply for and are accepted as a Customer of the International Prepaid Card, you are issued a MasterCard or Visa card with an expiration date. The card can be used to access the balance of your International Prepaid Card at merchants that accept the MasterCard and Visa card. In addition, in order to allow you to obtain cash at participating ATMs you will be provided with a Personal Identification Number ("PIN") sent via Mail to the same address to which your card was mailed.

4. Eligibility for and Availability of the International Prepaid Card

Use of the International Prepaid Card is limited to individuals who can lawfully enter into and form contracts under applicable law and have reached the age of maturity. We may refuse to provide the International Prepaid Card to anyone, at any time, in our sole discretion. To use the International Prepaid Card, you must provide your real name, street address, e-mail address, telephone number and such other information as may be reasonably requested to determine your eligibility for the card. Falsification of any of this information constitutes grounds for termination of your account. The International Prepaid Card is available to applicants from all countries (except those banned by Visa International and MasterCard International) and is not subject to status, employment checks or any form of credit status check. The card is guaranteed on the basis that you complete the relevant information on the application form and are able to provide the appropriate form of identification as requested.

5. Mandatory Identification Required

The card is guaranteed on the basis that you complete the relevant information on the application form and are able to provide proof of identity via a current and valid passport, drivers license or national identity card.

6. Banned Countries

Even though the International Prepaid Card is an internationally distributed card the banks on this program are highly astute in ensuring they are compliant with Visa International and MasterCard International bylaws and as such there countries who may be excluded from this program for political and security reasons should such a need arise. Cards cannot be distributed to the Balkans, Burma, Cuba, Iran, Iraq, Liberia, Libya, North Korea, Sudan, Syria and certain parts of Africa and South East Asia. If you are an applicant from Africa or South East Asia please first contact us so that they can check regarding the status of card delivery to your country.

7. Privacy Policy

As part of the application process your application information will be passed to the card issuer in order for your card to be printed and dispatched.

We may also disclose information to third parties about your account or the transfers you make:

1. Where it is necessary to service your account, or

2. In order to verify the existence and condition of your account for a third party, such as a merchant or bank

3. For security purposes, fraud deterrence, and when necessary to prevent identity theft, or

4. In order to comply with government agency or court subpoenas and/or orders, or

5. If you give us your written permission, or

6. In accordance with Privacy Policy.

8. Fees

You agree to pay the application fee associated with the International Prepaid Card. There is a £79 (79 British Sterling Pounds) fee for the International Prepaid Card. The card will be delivered within 3/4 weeks from time of cleared funds. There is a 7 day cooling of period from the time Bocal (UK) Limited are in receipt of cleared funds. During this period an applicant will have the opportunity to request a refund. Refunds will not be provided after the 7 day cooling of period expires. Refunds are only provided where we would be unable to provide your card within a maximum of 6 weeks.

9. Card Access

We do not own or operate any ATMs, but have arranged for you to access your card balance through the card issuers online account system. The details of the online account are provided to you when you receive your card package.

10. Adding Funds to Your International Prepaid Card

International Customers

Giro Payment - Any Giro payment location can initiate a funding transaction to an account. I.e. UK cardholders can reload their card at any Post Office in the United Kingdom.

Worldwide Debit Service - Allows for a transaction originating in the card processors platform to debit funds from an international account in approved countries. The cardholder completes an online form on the card processors online portal to give authorisation for funds to be debited from their bank account. This facility is only available for approved countries. A list of approved countries can be provided upon request.

IBAN - Allows for bank transfers from any EU country (Except UK) to card processor IBAN account for the cost of a local bank transfer (in some cases there are no costs). This procedure only applies to EU residents.

US Customers

ACH - Conventional "pay by check" feature for electronic/online check presenting and funding of accounts

VISA & MasterCard Credit Card - uses a conventional US issued Visa/MasterCard credit card to load funds to an account. An additional transaction fee will apply to this type of load

MoneyGram - Any US money gram station can initiate a funding transaction to an account

Direct Deposit - The card can be used as part of a payroll process Retailer Network. The Card processing platform is linked to thousands of retailers across the United States.

11. Fee Schedule

	Prepaid Visa Card	Prepaid MasterCard
ATM Withdrawal	$2.00	$2.00
ATM Decline / Enquiry	$1.00	$1.00
International Decline / Enquiry	$1.00	$1.00
Domestic POS	$1.00	$1.00
International POS	$1.00	$1.00
Card Reload	$2.95	$2.95
Card to Card Transfer	$2.95	$2.95
Monthly Maintenance Fee	$4.95	$4.95
Dormancy Fee (Inactivity for over 90 days)	$1.00	$1.00
Close Account and Receive Check	$19.95	$19.95
Lost or Stolen Card Replacement	$15.00	$15.00
Customer Support (Automated)	$2.00	$2.00
Live Customer Support	$4.00 per call	$4.00 per call
Maximum Balance Allowed	$10,000	$10,000

12. Ombudsman Card Issuer Process

The Card issuers have processes in place to ensure that card holder complaints can be carefully monitored and processed in an appropriate manner. All participating banks have details on their websites of their process for complaint procedures and escalation.

13. Bocal (UK) Complaints Procedures

The Reseller Complaint procedures is as follows.

1) Applicants must send an official letter to Bocal (UK) detailing their complaint, query or concern.

2) Bocal (UK) will then within 4 days issue a letter of acknowledgement and confirm that the case is being looked into.

3) Bocal (UK) will then within 2 weeks of receiving the official letter respond by letter with a resolution to the complaint, query or concern.

4) If you are unhappy with the resolution offered by Bocal (UK) then you should approach the card issuer with an official letter of complaint.

5) If you are still not happy then you should write to the Office of Fair Trading

12. Applicant Declaration

I, the applicant, understand that Bocal (UK) Ltd provides information and referral services only and is not a bank or credit card card company and does not accept card deposits on behalf of its participants.

I, the applicant, understand that should I not receive the service applied for, then the application fee provided to Bocal (UK) will be fully refunded except in the event of 1) provision of fraudulent information by client 2) provision of incorrect information by the client 3) withholding of required information by client.

I, the applicant, understand it is a criminal offence for myself or client to withhold or give false information when placing an application for International Prepaid Card facilities.

I, the applicant, understand that Bocal (UK) Ltd is not liable for delays from issuing banks and that processing time can vary from bank to bank.

I, the applicant, understand that facilities offered by banks or other financial institutions can change at any time without warning, therefore Bocal (UK) Ltd reserve the right to offer my customer, the nearest alternative should this arise.

I, the applicant, understand that Bocal (UK) Ltd is not liable for future banking changes to processes and procedures for existing or future products, and can only provide information based on the present understanding of such processes and procedures.

I, the applicant understand that the International Prepaid Card is NOT a credit card and usage will not improve my credit rating.

I, the applicant have voluntarily applied for the International Prepaid Card and neither my employer nor Bocal (UK) Ltd can be held liable or responsible for any charges you will incur with regard to having your payroll deposited to the card nor any charges or fees associated with the usage of the card as determined by the terms and conditions to be provided to you by the card issuer on dispatch of your card.

I, the applicant understand that if payment is made by cheque, money order, postal order or wire transfer to allow for five working days before clearance of fund and commencement of the application process.

I, the applicant read and agree to the Bocal (UK) Terms and Conditions.

I, the applicant acknowledge the Bocal (UK) Privacy Policy.

I, the applicant read and agree to the Bocal (UK) Fee and Refund Policy.

Our web site acts as an industry filter, sheltering you from those predatory products and services which plague the sub prime market and jeopardize the integrity of valid offers throughout the world. While other web sites feel that quantity is key, Bocal (UK) believes in the power of selection. We refuse to market products which prey, mislead, deceive or take advantage of consumers deliberately. This means that some products are not advertised on our web site. Our goal is to help you, not exploit you. At the same time it is important to understand that there is accountability on behalf of the consumer to ensure that they familiarize themselves with the products, opening procedures, documentation requirements and any special credit status requirements before they proceed with an application.

Bocal (UK) understands that every financial situation is unique. As such, we are constantly striving to diversify our product and service offerings. Future additions will include further category breakdowns as well as other financial information and resources currently not offered on our site. If you have any suggestions or ideas on how to improve the our service, please contact us.

Respect for people that includes our concern for the financial interests of all people regardless of their circumstances. Integrity that embraces the standards of honesty and ethical behavior in our approach to providing the services we do. Excellence that is reflected in our continuous search for new ways to improve our product portfolio and provide financial options for people to take advantage of on their route to financial success.