- The Card issuance and maintenance will be free of charge.
- The Card may be reloaded via the Bank’s and other banks payment terminals; no fee will be charged for reloading it via the Bank’s payment terminals.
- No interest on the balance of the card account will be payable by the Bank.
- The validity period of the Card is indicated on its front side; it can be used until the last day of the month specified.
- The person who received the Gift Card is obligated to visit Dalma Garden Mall within the Card’s validity period, present an identity document, and sign a Payment Card Order Agreement with the Bank to activate the Card.
- If the recipient of the Gift Card does not visit Dalma Garden Mall and activate the Card within its validity period, the card amount is non-refundable.
- After the expiration date of the activated Card, the Bank begins to charge a monthly 10% (ten percent) maintenance fee on the Card account balance as of the expiration date.
- The remaining balance may be transferred exclusively to another Gift Card upon the written request of the Customer /the Cardholder who received the Gift Card/. Such a transfer is permitted only under the following conditions: if the Gift Card is already linked to the Customer and is expired, lost, or damaged; or if the Gift Card is not yet linked but is still within its validity period, and the Customer who purchased the Gift Card can be identified. In these cases, the identified Customer is authorized to submit the balance transfer request. The Bank will charge the applicable commission fee for processing the transaction.
- The Bank shall not be held liable for any damage incurred by the Applicant due to the loss of the Card, the Applicant’s transfer of the Card and/or PIN code to another person, or the expiration of the Card's validity period.
- The Bank shall not be responsible for events occurring beyond its control.
- The Applicant is obliged to explain the rules of using the Gift Card and these Terms to the gift recipient.
- The Applicant gives consent to receive promotional and informational messages from the Bank.
- The Bank and the Applicant bear responsibility in cases and in the manner prescribed by the legislation of the Republic of Armenia.
- The Bank and the Applicant are temporarily released from fulfilling their obligations in case of events recognized as force majeure under the legislation of the Republic of Armenia and during their duration.
- Issues not regulated by these Terms shall be governed by other internal legal acts of the Bank.
- Disputes and disagreements arising under this Application-Agreement shall be resolved through mutual agreement. If an agreement cannot be reached, disputes shall be settled in accordance with the legislation of the Republic of Armenia.
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