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Nature of the Card

The Card is an anonymous payment instrument with systematic balance querying and immediate debit. It is issued in virtual form. The Card is non-rechargeable.

Attachment to the Payor's Account

The Card is linked to the Edenred Account opened with PPS EU. Payments made by the User using the Card are limited to €150 and are debited from the available balance in this Account, so that, if Edenred has not taken care to fund the Account, payment with the Card cannot be made. In such a case, the User must contact Edenred and PPS EU cannot be held liable for the non-execution of the payment.

Permitted Use

The Card may only be used to settle payment transactions previously authorized by Edenred, and exclusively with the categories of merchants authorized by Edenred, within the framework set out in Article 6 of these Terms of Use. Any attempt to use it outside of this framework may be blocked or refused by ECP, for reasons of security, compliance, or compliance with the applicable contractual rules.

Personal nature

The Card is strictly personal to the User to whom it is made available by Edenred. It may not be transferred, loaned or made available to a third party. The User undertakes to take all necessary measures to ensure the security and confidentiality of the identification or security elements associated with the Card (number, code, etc.).

Liability

The User is required to use the Card in accordance with these Terms of Use of the Card and exclusively for transactions previously authorized by Edenred. In the event of non-compliant, fraudulent or non-compliant use, ECP may suspend or terminate the Card. The User must immediately inform Edenred, by the means made available by the latter, of any loss, theft, misappropriation, fraudulent or unauthorised use of the Card, or suspicion of loss, theft, misappropriation, fraudulent or unauthorised use of the Card in order to enable its deactivation and prevent any misuse.

Issue

The Virtual Card is issued by ECP to Edenred, in accordance with the technical terms and conditions agreed upon in the contract, in particular via a secure interface (API or portal). Edenred makes the virtual card available to the User by sending an SMS or an email that allows them to register their card on their phone's digital wallet (Apple Pay or Google Pay) via the so-called provisioning functionality.

Activation

The activation of the Card is carried out by ECP, subject to the receipt of all the information necessary for its issuance and use (mobile phone number). In any case, the activation of the Card entails the express acceptance of these Terms and Conditions of Use of the Card.

Property

The Card remains the exclusive property of PPS EU at all times. ECP or PPS EU may deactivate it at any time, in particular in the event of loss, theft, fraudulent use, breach of these Terms of Use or in the event of termination of the Agreement.

Period of validity

The Card remains valid until 17 June 2026 inclusive (midnight).

Termination or deactivation

In the event of termination of the Agreement or closure of the Account, in compliance with the deadlines set out in the Agreement, the Card will be deactivated without any action required by the User.

Suspension or early withdrawal

ECP may suspend or withdraw the Card before its expiry, in particular for reasons related to the security of the payment method, non-compliant use, suspicion of fraud or a request from the Payer.

Effects of deactivation

As of the deactivation or expiration of the Card, any use becomes impossible. No further transactions can be made, as the remaining available balance on the Card remains the property of Edenred. The remaining available balance on the Card will not be refunded to the User under any circumstances.

Permitted Use

The User may use the Card to make payments corresponding to expenses authorized by Edenred, exclusively at the physical points of sale of merchants or service providers authorized by Edenred. Online transactions are not permitted. The use of the Card is limited to France. Any payment transaction assumes the availability of sufficient funds in the Payor's Account, and the prior authorization of the latter.

Unauthorized Use

The User may not use his Card outside France. Online transactions are not permitted. Cash withdrawals are not permitted. The Card may not be resold, refunded to the cardholder, credited to another card or bank account, or subject to a discount.

Terms of Use

The Card may be used up to the amount authorized by Edenred and subject to acceptance of the transaction by the ECP or PPS EU authorization system. Payment transactions are carried out in accordance with the security and authentication procedures provided at the time of issuance of the Card and by the providers of electronic wallet solutions, namely Apple Pay and Google Pay.

Refusal of transaction

ECP or PPS EU may refuse to authorize a payment transaction:
• in the event of insufficient funds on the Payer's Account;
• in the event of use not in accordance with these Terms;
• for security reasons, suspicion of fraud or compliance with legal or regulatory obligations;
• if the beneficiary service provider does not belong to the list of authorized merchants (non-compliant MCC) or if the planned expense has not been authorized by the Payer.

Proof of transactions

Payment transactions authorised by means of the Card are deemed to have been validly executed as soon as they are registered by the payment system. The data recorded by ECP or PPS EU are authentic between the parties until proven otherwise by the User.

Obligations of the User

The User must take all reasonable measures to preserve the security of the Card and the associated payment information (number, code, identifiers, access data). It is strictly forbidden to communicate these elements to third parties, to record them on an unsecured medium or to use them on unprotected sites or terminals.

Loss, theft or fraudulent use

In the event of loss, theft, misappropriation, fraudulent use or suspicion of unauthorized access to the Card, the User must immediately inform Edenred in accordance with the contact channels made available and provided for this purpose, in order to allow the Card to be blocked. Any declaration made in good faith will result in the immediate deactivation of the Card and will prevent any further transactions.

Blocking and disabling

ECP may block or disable the Card, temporarily or permanently, including:
• for security or fraud prevention reasons;
• in the event of use contrary to these Terms;
• or at the request of the Payer.
The User is informed at his request, unless prohibited by law, of the reasons for the blocking and the terms and conditions for restoring the service by Edenred.

Liability of the User and Edenred

The User is liable to Edenred for the consequences of non-compliant or improper use of the Card, or a breach of its security obligations.

Reporting Unauthorized Transactions

Any dispute relating to an unauthorised or poorly executed operation must be made without delay as soon as the User becomes aware of it, and at the latest within one (1) month from the date of the debit in question. The amount of these operations will not be reimbursed to the User under any circumstances. The amount of these transactions will, where applicable, be reimbursed to Edenred.

Duration

The Terms and Conditions of Use of the Card apply for the entire period of validity of the Card, subject to the provisions of the Agreement concluded between the Payer and ECP. In any case, the card can no longer be used after 17 June 2026 inclusive.

Suspension or termination

ECP may suspend or terminate the use of the Card at any time:
• in the event of improper or fraudulent use;
• for security, compliance or at the request of the Payer;
• or pursuant to a legal or regulatory provision.

Effects of termination

Termination or deactivation of the Card will make it impossible to carry out new payment transactions. Transactions already authorized prior to termination continue to be executed in accordance with the Agreement.

The processing of Personal Data related to the management of the G7 Card program is carried out by Edenred. In this context, Edenred manages Personal Data for the purposes of (i) managing relations with Users, (ii) providing and managing the G7 program and the Card (configuration, etc.), (iii) managing contact requests, complaints and after-sales service, (v) managing fraud and litigation and (vi) complying with applicable regulations. However, the initial collection and transmission of the User's Personal Data to Edenred may be carried out by the General Secretariat of the Elysée Palace as the data controller, with Edenred acting as the recipient of the Personal Data within the meaning of Article 4(9) of the GDPR. Similarly, the transmission of the User's Personal Data by Edenred to ECP and PPS EU is carried out to the latter acting as recipients of the Personal Data within the meaning of Article 4(9) of the GDPR.

The processing of Personal Data related to the provision of the Card is carried out by PPS EU as the data controller. However, the initial collection and transmission of the User's Personal Data to PPS EU, is carried out in accordance with point 1 above, with ECP and PPS EU acting as the recipient of the Personal Data within the meaning of Article 4(9) of the GDPR.

For the provision of the Card, PPS EU may need to process the User's Personal Data, as a data controller, for the following purposes: (i) provision and use of the Card; (ii) fraud and dispute management; (iii) compliance with applicable regulations, including fraud and money laundering regulations. Depending on the purposes mentioned above, the processing carried out by Edenred and PPS EU is carried out on the basis of the performance of the contract, compliance with a legal obligation to which PPS EU is subject and the pursuit of the legitimate interests pursued by Edenred or PPS EU.

Edenred and PPS EU may communicate the User's Personal Data (i) to their subsidiaries and (ii) to their partners, service providers and subcontractors involved in the provision of the Card and the management of the G7 program. Apart from the cases mentioned above, the User's Personal Data processed by Edenred and PPS EU will only be communicated to third parties with the User's consent, or to enable PPS EU and/or Edenred (i) to fulfil their legal obligations, (ii) to respond to the audits of the authorities to which PPS EU and its service providers are subject, or (iii) to exercise or defend a right. Apart from the cases mentioned above, no access to the User's Personal Data will be allowed.

The User's Personal Data is kept for the duration of use of the Card provided to them by PPS EU and Edenred. At the end of this period, the User's Personal Data will be kept for one (1) month on the basis of the legitimate interest of the Data Controllers, for the sole purpose of ensuring the security of the services, preventing abuse and fraud, and ensuring the traceability of operations. These retention periods may be extended by statutory limitation periods in the event of litigation or litigation.

The User has the right to request the rectification, erasure, access and portability of his/her Personal Data, as well as the right to object to and limit the processing of his/her Personal Data. The User can exercise their rights by filling out a form accessible for PPS EU "here" or for Edenred "here". For any additional questions or concerns, we encourage the User to contact the Data Protection Officer by email at PrivacyEU@edenred.com. It is also important to note that the User has the right to lodge a complaint regarding the processing of his/her personal data with the local data protection authority, such as the Data Protection Authority in Belgium (https://www.autoriteprotectiondonnees.be/citoyen) or for France with the Commission Nationale de l'Informatique et des Libertés.

Given the international dimension of its partners and service providers, Personal Data processed by PPS EU or Edenred may be transferred within and outside the European Economic Area, with the clarification that PPS EU or Edenred carries out these transfers as a data controller in accordance with the requirements of data protection regulations. These transfers are made (i) within the EU, (ii) to the UK, (iii) or to countries whose legislation has been recognized by the European Commission as providing an adequate level of protection, (iv) or, failing that, under appropriate contractual safeguards provided for by data protection regulations.

PPS EU and Edenred shall ensure, each as far as they are concerned, compliance with their obligations as data controllers in accordance with data protection regulations throughout the duration of the processing, in particular with regard to informing the data subjects and obtaining any necessary consent required for the collection, the communication and any other form of processing of Personal Data.

The User may consult the Privacy Policy of PPS EU and Edenred published on https://eps.edenred.com/privacy-policy and https://click.edenred.fr/documents_espace_client/juridique/gdpr/politique_protection_des_donnees.pdf for more details on the Personal Data that PPS EU or Edenred holds, how they are used and protected.

ECP and/or PPS EU reserve the right to make changes to the provisions of these Card Terms of Use at any time, in particular to allow ECP and/or PPS EU:
• design or develop new systems, operating methods, services or facilities;
• to make any actual or expected changes in market conditions, relating to general good practices or the cost of providing their services to their clients;
• to comply with and/or anticipate any changes in law, in particular tax law, codes of practice or recommendations of the Autorité de Contrôle Prudentiel et de Résolution (ACPR), the National Bank of Belgium (NBB) or any other supervisory body;
• to comply with or execute a decision of a court, an ombudsman, a supervisory body or a similar body;
• to correct any errors that may be identified.

The amended Terms of Use of the Card shall enter into force as soon as they are communicated to Edenred, which shall be responsible for putting them online on its website or communicating them to the User by any other means, and shall be deemed to be enforceable against the User as of that date.

Any use of the Card after changes to the Card Terms and Conditions implies full acceptance of the new version of the Card.

ECP and/or PPS EU reserve the right to freely transfer the rights and obligations arising from these Terms of Use of the Card.

Conversely, any transfer or transfer of the right of use attached to the use of the Card and the related Account by the User is strictly prohibited.