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Greenbacks Rewards Programme
Terms and conditions
The Nedbank Greenbacks Programme (programme) is a money management programme that Nedbank (we, us, our) owns, operates and manages.
We own all intellectual property or it is licensed to us and you may not use it without our prior written consent.
By participating in the programme you admit and acknowledge that you have read, understand and agree to the terms and conditions of the programme and the use of the SHOP Card. You also give us permission to share certain of your personal information with affiliate parties to offer this service to you.
The latest terms and conditions for the programme is available on our website at nedbank.co.za/Greenbacks.
1.1 Clause headings in this agreement are for convenience and reference only, and you should not use them to interpret this agreement, or to modify or amplify these provisions. Unless the context shows otherwise, words referring to:
1.1.1 any one gender includes the other genders;
1.1.2 the singular includes the plural and the other way around; and
1.1.3 persons include entities (corporate or unincorporated) and the state and the other way around.
1.2 The rule that an agreement must be interpreted against the party who drafted or prepared it will not apply to this agreement.
The following terms will have the meanings we assign below and related expressions will have corresponding meanings:
A credit card or current account we open in the name of an accountholder.
Card Swiper package
The package you need to opt in to via the Money app to start earning Greenbacks for your card swipes.
Card transaction or
Any commercial transaction, including payment for goods and services related to your Greenbacks Account.
The magnetic-strip or chip bank card we issue to you, which may or may not include a Nedbank Maestro debit card, a Nedbank Visa Electron card, a Nedbank or Mastercard cheque card, a Nedbank garage debit card, a Nedbank ATM card, a Nedbank Mastercard debit card, or a Nedbank Visa debit card, which may be contactless-enabled.
An institution that we contracted with to give you additional Greenbacks based on eligible spend.
The number of Greenbacks you earn per unit of eligible spend.
A valid Nedbank credit or cheque card that can be linked to the programme to earn Greenbacks.
Any qualifying Nedbank product where one can join the programme and opt in to the relevant (available) package to start earning Greenbacks.
|All local and international spend, including local fuel purchase at bp gas stations, but excluding cash withdrawals, casino chip purchases, fuel purchases at other gas stations, finance or other card charges, fees or taxes we or the government levies, purchases of travellers cheques or other negotiable instruments, garage card transactions, budget account instalments and interest on that, insurance premiums and internet transfers or payments [electronic funds transfers (EFTs)] from your account.|
First card account
The first credit card or current account linked to the Greenbacks Account.
The points you earn and spend in line with the programme. We determine the value of your Greenbacks, which can be redeemed for rewards or use as cash.
The account linked to any Nedbank product, showing how many Greenbacks has accrued to you.
Greenbacks enrolment fee
The fee we charge in the month that your first card account is linked to the programme.
Greenbacks linkage fee
The fee we charge monthly for the Card Swiper package. It is excluded from any bundled products if your bundled product is not in arrears on the anniversary of the join date on which you opted in to the Card Swiper package.
Greenbacks redemption rate or conversion rate
The rate at which we convert Greenbacks to rand value for goods or services that our spend partners provide.
Limit on Greenbacks
The limit of Greenbacks you can earn on eligible spend per card transaction.
Money Manager package
The loyalty and rewards package comprising a current account and a savings account with transactional capability.
A bundle of benefits to encourage and inspire you to achieve your money management goals.
Us (Nedbank) and/or you (the client).
The programme for which you enrolled in terms of which you earn Greenbacks.
To earn Greenbacks on the Card Swiper package, you must be 18 years or older.
|The Nedbank American Express® chip-and-PIN card that you can use to do card transactions and that we issue to you at our sole discretion so that you can redeem your Greenbacks.|
A juristic entity that falls within the ambit of the National Small Business Act to which we have issued a Nedbank Small- business Credit Card.
An institution that we contracted with to give you goods or services in terms of the programme.
Vouchers and coupons
Conditional offers on the Greenback app that you can opt in to.
We, us and our
Nedbank Limited registration number 1951/000009/06, with address Nedbank 135 Rivonia Campus, 135 Rivonia Road, Sandown, Sandton, 2196.
You and your
3. Your Greenbacks rewards account
3.1 You may join the programme if you have a qualifying Nedbank product.
3.2 Businesses or corporates that are eligible to join the programme may open a Greenbacks Account. Greenbacks will then accrue to the company but may, subject to any prevailing conditions that we determine, be transferred to accrue to the individual cardholder whose name appears on the corporate card. To become a member of the programme you must join by visiting our website, using the Nedbank Money app, calling the Nedbank Contact Centre or completing the application form and handing it in at a Nedbank branch.
3.3 As a financial institution, we have certain identification and authentication requirements, and your participation in the programme and the issue of the SHOP Card will be at our sole discretion.
3.4 Your Greenbacks Account may never have a debit balance, which means that you may never spend more Greenbacks than what is available in your Greenbacks Account.
4. Earning Greenbacks
4.1 Your Greenbacks never expire, as long as your account is active and in good standing.
4.2 Greenbacks may not be sold, issued, exchanged or bartered.
4.3 We and the earn partner decide when you earn Greenbacks and how many you earn.
4.4 We reserve the right to debit your Greenbacks Account with the relevant Greenbacks if a transaction is cancelled or reversed for any reason.
4.5 Only consumer card clients who are natural persons may transfer Greenbacks between themselves.
5. Promotional rewards linked to the programme
5.1 We will communicate with you through our digital channels to tell you how to participate in ad hoc competitions.
5.2 We will also tell you about exclusive benefits or offers relating to the programme from time to time.
6. Money Manager package
Get rewarded when you pay money into your Nedbank transactional (current or savings) account.
6.1 If you opt in to the Money Manager package, you could qualify for the Bonus Reward on Us benefit, which means you stand a chance to get 180 free Greenbacks for simply paying money into your account regularly.
6.2 All you have to do is pay money into your account every month for six months in a row. All payments qualify, except bank reversals or if we (Nedbank) pay money into your account.
6.3 You can even get rewarded if money is debited from your Nedbank transactional account.
6.4 If you opt in for the Money Manager package, you could qualify for the More for Less benefit, which means you stand a chance to get 360 or 180 free Greenbacks for debits going off your account. To qualify you must:
6.4.1 pay money into your account every month for six months in a row;
6.4.2 have your debit orders paid from this account; and
6.4.3 do electronic fund transfers (EFTs) on your account (card swipes are excluded).
6.5 You will then stand a chance to be rewarded for every fifth debit on your account, including EFTs and debit orders.
6.6 If you qualify, you will get 360 Greenbacks once-off and then 180 Greenbacks each time you qualify.
6.7 You can also be rewarded when you buy prepaids, including data, airtime and electricity.
6.8 If you opt in to the Money Manager package, you could qualify to win 180 free Greenbacks as a once-off reward for your first five prepaid purchases paid from your Nedbank transactional account.
6.9 Thereafter, you stand a chance to get 108 free Greenbacks each time you:
6.9.1 pay money into your account every month for six months in a row; and
6.9.2 buy five prepaid services, including data, airtime and electricity.
6.10 For every fifth purchase, you stand a chance to win 108 free Greenbacks.
6.11 Only you can use the Greenbacks and you may not transfer them.
7. Card Swiper package
7.1 You may join the Programme if:
7.1.1 you have an eligible consumer credit or cheque card; or
7.1.2 you have a business credit or cheque card.
7.2 You can link eligible cards to your Greenbacks Account at no additional fee, if the card accounts are in your name.
7.3 We charge no linkage fees for bundled accounts.
7.4 We determine the earn rate and earn rules, and we may change it. If we do, we will notify you of any changes within a reasonable period, via email, SMS or telephone.
7.5 We determine the limit on Greenbacks, and may change it from time to time. We will notify you of any changes within a reasonable period.
7.6 You can earn Greenbacks on certain promotions when you shop at an earn partner, and we may also sometimes reward you with Greenbacks if you buy our specified products and services.
7.7 We will calculate your Greenbacks according to your eligible spend and pay your Greenbacks into your Greenbacks Account daily. You can check your Greenbacks balance on your transactional listing on the Money app or Money app.
7.8 The following earn and spend caps apply to the Card Swiper programme:
7.8.1 You will not earn any Greenbacks if your card account is suspended, dormant, in arrears, in collections or has a legal or fraud status.
7.8.2 You will earn one Greenback for every R10 you spend on your Mastercard cheque card. Greenbacks earn is capped at R5 000 spend in a calendar month.
7.8.3 You will earn one Greenback for every R10 you spend on your Visa cheque card. Greenbacks earn is capped at R5 000 spend in a calendar month.
7.8.4 You will earn two Greenbacks for every R10 you spend on a Mastercard credit card. Greenbacks earn is capped at R10 000 spend in a calendar month.
7.8.5 You will earn two Greenbacks for every R10 you spend on a Visa credit card. Greenbacks earn is capped at R10 000 spend in a calendar month.
7.8.6 You will earn four Greenbacks for every R10 spent on American Express Credit and Cheque Cards. The Greenbacks earn on American Express Cards is uncapped.
7.8.7 You will earn no Greenbacks for any proportional spending of amounts as set out above, and you will earn no Greenbacks on a pro rata basis. Earning of Greenbacks is strictly limited to the above parameters.
8. Nedbank and bp fuel rewards partnership
Qualifying Nedbank Greenbacks members can earn fuel rewards when they fill up at bp stations across South Africa.
8.1 From 1 November 2020, Nedbank clients on the new Greenbacks Programme who have opted in to the Card Swiper package can earn fuel rewards.
8.2 If you qualify, you will earn 25c on every litre of fuel you buy at bp stations in South Africa, using your debit or credit card linked to the Greenbacks programme to pay.
8.3 You will receive your fuel Greenbacks in your Greenbacks Account within 30 days after your transaction.
8.4 The amount will be rounded off to the nearest Greenback.
8.5 Juristic clients do not qualify to earn bp fuel rewards.
9. Responsible Borrower package
9.1 You can opt into the Responsible Borrower package (RBP) if you have one of the following qualifying RBP products.
- A Nedbank Home Loan (excluding joint bond holders).
- A Nedbank Personal Loan (excluding credit cards and overdrafts).
- MFC vehicle finance.
- A Nedbank Personal Loan (excluding credit cards and overdrafts).
9.2 How to opt in
- Download the Nedbank Money app.
- Select Opt in on the RBP.
9.3 The RBP will become effective from the first day of the following month in which you opted in, if we have received the request by the last working day of the month in which you have opted in.
9.4 If you have subscribed for only the RBP, you may redeem your Greenbacks on the Nedbank Money app or in any way that we tell you about.
10. Responsible Borrower - Win your loan competition
10.1 If you meet the qualifying criteria as set out in the competition terms and conditions, you will stand a chance to win the loan amount of your highest eligible loan, up to an amount of R1,5 million.
10.2 You will automatically be entered into the competition for the next quarter:
10.2.1 if you have met the qualifying criteria as set out in the competition terms and conditions;
10.2.2 if you have opted into the RBP in the last week of the month of the competition for that quarter; and
10.2.3 if you subscribe to the RBP.
10.3 The competition terms and conditions are available on the Nedbank Money app.
11. Structured Saver package
11.1 The Structured Saver package promotes monthly saving.
11.2 You can opt in to the Structured Saver package if you have one or more of the following Nedbank products:
- A 32Day Notice Account
- An Electronic 32Day Notice Account
- A JustInvest Account
- A PlatinumInvest Account
- A MoneyTrader Account
- An Electronic 32Day Notice Account
11.3 If you are not registered on the Nedbank Money app, you must download and register on the app and opt in to the Structured Saver package.
11.4 If you have already downloaded and registered on the Nedbank Money app, you must opt in to the Structured Saver package.
11.5 If you opt in to the Structured Saver package, you will be entered in to the monthly Structured Saver competitions for this package and could stand a chance to win the monthly prize.
11.6 Nedbank employees who opt in to the Structured Saver package will be entered into the employee monthly Structured Saver competitions for this package and could stand a chance to win the monthly prize.
11.7 The competition terms and condition will be made available on the Nedbank Money app and on the Nedbank website every month.
12. Redeeming your Greenbacks
12.1 We set out the redemption rate of Greenbacks for the different goods and services our spend partners offer on our Greenbacks website and the rate is subject to change without notice.
12.2 You can redeem your Greenbacks only if your account is in good standing and not suspended, dormant, in arrears, in collections or has any other legal status.
12.3 You cannot withdraw a request to redeem your Greenbacks. Once you have made a request to redeem your Greenbacks, you cannot cancel or change it.
12.4 If we allow you to redeem your Greenbacks when your account is in arrears, this must in no way be interpreted as us giving up our right to recover the amount from you.
12.5 If you redeem your Greenbacks to contribute to your monthly bank charges and card fees, you can choose only a Nedbank current, savings, unit trust and/or forex account of which you are the accountholder.
12.6 You may redeem your Greenbacks on the Nedbank Online Banking site, the Nedbank app and Money app to buy airtime and electricity.
12.7 The redemption of Greenbacks for goods or services is always subject to the availability of the goods or services on the date desired and as the spend partner determines and negotiates.
12.8 You may redeem Greenbacks for vouchers only in the name of the Greenbacks primary card accountholder.
12.9 Our spend partners’ prices may change and we will confirm the value of your Greenbacks available to spend.
12.10 We will notify you online of special campaigns.
12.11 If Greenbacks accrue to a business and not to an individual cardholder, only the authorised representative of the business may redeem the Greenbacks.
13. Fees and charges
13.1 No interest will accrue to your Greenbacks Account.
13.2 We will debit the following fees and charges to the first card account linked to the Card Swiper package:
13.2.1 For a corporate card we will charge a once-off Greenbacks enrolment fee in the first month of linkage of the Greenbacks Account, and we will charge a Greenbacks linkage fee yearly in arrears.
13.2.2 Taxes, surcharges, cancellation fees or any other charges related to a transaction resulting from your participation in the programme.
13.2.3 Delivery charges that result from any Greenbacks that you redeem.
13.2.4 The rand value of Greenbacks that you may have received as a result of fraud or misconduct or that was not intended to accrue to you.
13.3 We will determine the amount and the frequency of the once-off enrolment and yearly or monthly linkage fee, and any other fee that we may sometimes charge.
13.4 We will notify you of any changes to these fees.
13.5 No fees, or any portion of them, are refundable.
13.6 We will not be responsible for the deduction of any tax in the case of Greenbacks being offered to an employee of a company or business.
14. Cancellation, termination and dormancy of Greenbacks accounts
14.1 By giving you written notice we may at any time and for any reason terminate or cancel your participation in the programme. You will then have 30 days to spend your Greenbacks, unless you gave up your Greenbacks because your Greenbacks Account became dormant, we believed your behaviour was inappropriate or is misconduct, or you breached these or any other terms and conditions relevant to the programme.
14.2 Termination will not affect any instruction you have given us that is not yet carried out, unless you, directly or indirectly, made a fraudulent transaction, in which case you will lose your Greenbacks immediately.
14.3 We will not be liable for any damage you or any third party suffer because your participation in the programme has been terminated.
14.4 You may terminate your participation in the programme by informing the call centre or by giving us written notice, in which case you will give up all the Greenbacks in your Greenbacks Account immediately.
14.5 If you close your last card account linked to your Greenbacks Account, we will close your Greenbacks Account and you will give up all your Greenbacks immediately.
14.6 If you do not earn Greenbacks for five months, we will consider your Greenbacks Account dormant.
14.7 We will close your Greenbacks Account when your card account has been suspended or is dormant for three months, and you will give up all your Greenbacks immediately.
14.8 In the case of death, insolvency or liquidation, your Greenbacks will have no value and will expire.
15. Greenbacks accounts and transaction listing
Examine the contents of the Money app, the Nedbank Money app and your Money app statements carefully and notify us within 30 days of the statement date of any inaccuracy or any discrepancy, otherwise we will accept that your statement is correct.
16. Liability and indemnity
16.1 We are committed to ensuring that online transactions are secure and we are entitled to investigate any loss you have suffered.
16.2 You must keep your password, PIN and Greenbacks membership number confidential. If your information has been compromised, we will not be liable for any loss or damage you suffer.
16.3 Although we select our preferred spend partners carefully, you carry the risk for any fraud or losses that may occur through our spend partners’ websites.
16.4 We will not be liable if a dispute arises between you and a spend partner about goods or services you bought. You acknowledge that none of our spend partners are our agents.
16.5 By redeeming your Greenbacks, you release us from any liability to you.
16.6 We will not be liable for any loss or damage you may suffer because we have carried out your instruction or if you have participated in the programme, unless the loss or damage results from our gross negligence or intentional misconduct.
16.7 If there is any loss of connectivity between you and us, including unavailability of the programme, for any technical reason that is beyond our control, we will not be liable to you.
16.8 We will under no circumstances be liable for any consequential, incidental, special or direct loss or damage resulting directly or indirectly from these terms and conditions or your participation in the programme.
16.9 You indemnify us against any claims by third parties or losses that you may suffer because you have participated in the programme.
16.10 Our spend partners' websites may be linked to our website, in which case we cannot control or make any representation as to the legal content of these websites. We will therefore not be liable for the information on these websites.
17. Complaints and disputes
17.1 You can direct complaints or queries to our call centre.
17.2 We retain the right to institute action in any court of law with jurisdiction to get urgent interim relief or to collect outstanding debt due and payable to us.
17.3 These terms and conditions are governed by and interpreted in line with the laws of South Africa.
18. Notices and serving of documents
The address you gave on the application form when you applied is your chosen address for delivery by hand of legal documents. You must update this address if it changes.
19. Electronic Communications and Transactions Act
19.1 You may not send us any notice or legal document by email.
19.2 In terms of chapter 3 of the Electronic Communications and Transactions Act, 25 of 2002, by visiting our website or communicating with us by electronic means, you acknowledge that all agreements, notices, disclosures and other communication we send adhere to any legal requirement, including the requirement that the communication should be in writing.
19.3 Any other communication to you may be sent by the communication method you chose on the application form, and you can update this method as well.
20.1 Apart from the fact that it is possible to link an instruction to a specific account, it is not possible to verify the actual originator, and you therefore authorise us to action any instruction appearing to be from you even if it transpires that both you and us have been defrauded by someone else, unless you have informed us to the contrary before we action a transaction.
20.2 No failure, delay, relaxation or indulgence on our part in exercising any power or right given to us under these terms and conditions will be a waiver of that power or right, nor will the failure, delay, relaxation or indulgence be deemed to be part of any of these terms and conditions.
20.3 You may not cede, delegate or otherwise transfer any rights or obligations resulting from these terms and conditions without our prior approval, which we will give to you at our sole discretion.
20.4 If Greenbacks accrue to a business, the business must notify us of the identity of its representative authorised to redeem the business’s Greenbacks in writing and on an official letterhead. We will accept the written notice and we will not be liable for any loss the business may suffer as a result of any act of the authorised representative. The authority granted to an authorised representative will remain effective until you revoke or change the notice. Any request or instruction we receive from an authorised representative may not be cancelled.
20.5 If any of these terms and conditions are found to be invalid or unenforceable, those terms and conditions will be severable from the remaining terms and conditions, which will remain of full force and effect. We are entitled to change and update all terms and conditions relating to the programme.
PART B: TERMS RELATING TO THE USE OF THE GREENBACKS SHOP CARD
The SHOP Card is a card we own, operate and manage.
We will issue the SHOP Card and it will serve as an access mechanism to your Greenbacks Account when we open your Greenbacks Account.
The name on the SHOP Card will be the same as the name of the Greenbacks Account and your Consumer Card Account.
We will issue the SHOP Card in the name of an individual card member and not in a name of a small business.
You will be liable for the following Greenbacks SHOP card ATM cash withdrawal fees in Greenbacks points value:
- Cash withdrawal at a Nedbank ATM: R2,20 or 78 Greenbacks per R100.
- Cash withdrawal at a Saswitch ATM: R10,50 plus R2,20 or 453 Greenbacks per R100.
- Cash withdrawal at a Nedbank branch: R80 plus R2,20 or 2 935 Greenbacks per R100.
- Cash withdrawal overseas: R55 plus R2,20 or 2 042 Greenbacks per R100.
If you use your SHOP Card, you accept all these terms and conditions. 21 USE OF YOU SHOP CARD
21.1 As soon as you receive the SHOP Card you must sign it in the space on the back with a non- erasable ballpoint pen.
21.2 If you do not want the SHOP Card, you must destroy it immediately without using it and also notify us in writing.
21.3 The SHOP Card is valid from the first day of issue until the expiry date shown on the front of the SHOP Card, or until you or we close your Greenbacks Account.
21.4 If we allow a SHOP Card transaction after the SHOP Card has expired or has been cancelled, this does not mean that we have extended the validity term of the card. Payment of the amount owing relating to these transactions remains your responsibility.
21.5 You must comply with all the applicable exchange control regulations when you use the SHOP Card outside the common monetary area. Card transactions made in foreign currencies will be shown on your statements in South African rand.
21.6 We are the owners of the SHOP Card and when your Greenbacks Account is closed, you must destroy the SHOP Card.
21.7 We will encode the SHOP Card with a PIN, which will enable you to withdraw your Greenbacks as cash at any ATM or to pay with your SHOP Card in-store or online at merchants who accepts the SHOP Card.
21.8 You will not earn extra Greenbacks when using the SHOP Card for point-of-sale or online transactions.
21.9 Your SHOP Card and your Greenbacks Account must not be used fraudulently. You must therefore:
21.9.1 take proper care of the SHOP Card and your SHOP Card number and do everything necessary to prevent it from being lost, stolen or used wrongfully;
21.9.2 ensure that any record of your PIN is kept separate from the SHOP Card in a safe place; and
21.9.3 not allow anybody to know your PIN.
21.10 If your SHOP Card is lost or stolen, you must notify us immediately at Nedbank Contact Centre by calling 0860 555111. You must also notify us immediately if you have reason to believe or suspect that this has happened. We will give you a reference number during your telephone call, which you must give us whenever we ask you to. You must confirm your verbal notification in writing, stating the reference number, within 24 hours after the verbal notification.
21.11 If your SHOP Card is lost or stolen, you must go to a branch with your valid identity card, document or passport to get a new SHOP Card.
21.12 You will be liable for and must repay us all amounts we pay or have to pay if the SHOP Card, your SHOP Card number, or your PIN is used, unless you have reported it as lost, stolen or being used wrongfully as set out in 17.10 above.
21.13 You may not use the SHOP Card for any unlawful or illegal transaction, and it is your duty to make sure that a transaction is lawful before you use the SHOP Card.
21.14 If you believe that there is an error regarding the amount of money deducted from your SHOP Card, you must notify us no later than 30 days after the date of the transaction by calling the Nedbank Contact Centre on 0800 555 111. You must give your SHOP Card number and the date and amount of the error, describe the error and explain as clearly as you can why you believe there is an error.
21.15 You authorise us to (which authorisation may not be cancelled):
21.15.1 pay for any purchases or services for which the SHOP Card or the SHOP Card number is used and to debit the amount to your Greenbacks Account;
21.15.2 debit your Greenbacks Account with the amount of these purchases; and
21.15.3 make the necessary entries to do the above and to reverse these entries when appropriate.
21.16 We will not be liable to you if any merchant or supplier does not accept the SHOP Card or your SHOP Card number, or if we refuse to authorise any SHOP Card transaction.
21.17 If there are any claims or disputes between you and any merchant or supplier about the nature, quality or quantity of any goods or services that you have received from them or about any other matter, our rights to receive payment from you will not be affected in any way, nor will it give anyone a right of setoff or counterclaim against us. You acknowledge that no merchant or supplier is our agent. If you do not receive merchandise or services you have paid for, you must contact the merchant to resolve the dispute. Disputes between you and the merchant or supplier do not give you a right to charge back the disputed transactions. You can contact the client service call centre and we will give you any transaction information we may have.
21.18 If a merchant or supplier gives you a refund, it will be credited to your Greenbacks Account only once we have received a properly issued credit voucher from the merchant or supplier.
21.19 You will not have the right to stop any payment we are making or which we are about to make to a merchant or supplier for any transaction, nor will you have the right to instruct us to reverse a payment for a transaction that has already been made, except if it is required by law.
21.20 You can use the SHOP Card for card transactions only if you have enough Greenbacks.
22. Fees, costs, interest and other charges
22.1 We may charge:
22.1.1 a purchase fee (which may sometimes change);
22.1.2 an ATM withdrawal fee (which my sometimes change);
22.1.3 a SHOP Card replacement fee for a lost, stolen or damaged SHOP Card;
22.1.4 fees for card transactions, as we determine;
22.1.5 statutory levies and taxes; and
22.1.6 standard service and other fees and charges payable, including a dormancy fee and a returned-payment fee.
22.2 To the extent that you must pay or reimburse any costs, fees, expenses or disbursements under this agreement, you agree that the obligation includes the payment or reimbursement of value-added tax, where applicable.
23. Card expiry and card account closure
23.1 The SHOP Card will expire on the date printed on the front of the SHOP Card.
23.2 It is your responsibility to approach us to renew your SHOP Card before the expiry date.
23.3 Your card will be closed once your Greenbacks Account has been closed, terminated or cancelled, as highlighted in Part A of these terms and conditions.
24.1 We will not be liable for any damage or loss that you suffer if:
24.1.1 any person has gained unauthorised access to your SHOP Card, your SHOP Card number, your SHOP Card account, your PIN or your SHOP Card facility or any information about it; or
24.1.2 any person has gained unauthorised access to any information or data (whether correct or incorrect), unless the loss or damage is caused by our gross negligence.
25. Contact us
Contact us for more information, complaints or claims on 0860 555 111 or visit any of our branches or our website at nedbank.co.za. You can also log complaints on the Money app.