Last Updated: November 12, 2023

This Authorized User Payment Card Addendum (these “Payment Card Terms”) are incorporated into and a part of the Authorized User Agreement. Capitalized terms not otherwise defined herein will have the meaning provided in the Hexacard User Terms.

The Hexacard Payment Card is a business charge card issued to the Accountholder under the Hexacard Agreement. These Payment Card Terms apply to your use of the Hexacard Payment Card. As used in these Payment Card Terms, “we”, “us” or “our” refers to Hexacard. Unless otherwise indicated, “you” and “your” refers to the person or persons authorized by the Accountholder to receive and use a Hexacard Payment Card or otherwise utilize the Services (for the avoidance of doubt, regardless of whether such person is an ordinary User or an Administrator).

You acknowledge and understand that (i) these Payment Card Terms restate certain provisions of the Hexacard Agreement that govern your use of the Services, including the Hexacard Payment Card, and are provided to you as a convenience to Accountholder, (ii) Hexacard has no obligation to you whatsoever regarding any Card, (iii) the Hexacard Agreement is the legal agreement governing your use of any Card, and (iv) the Accountholder is responsible for your compliance with the Hexacard Agreement and these Payment Card Terms.

1. Definitions

  • (a) “Card” and Hexa Payment Card” mean a business charge card issued by Issuer, linked to a Card Account, and enabled for Transactions over the Card Network associated with the Card. Cards may either be a physical card embossed with a 16-digit number or a virtual card represented by a 16-digit number.
  • (b) “Card Account” means a sub-account of the Hexacard Account that is linked to a Card issued to you.
  • (c) “Card Limits” means the maximum amounts available for Charges on any Card. Your Administrator will inform you of Card Limits that apply to your Card.
  • (d) “Charge” means the use of your Card to complete a Transaction.
  • (e) “Hexa Account” means the account for which the Accountholder may request the issuance of Cards, and includes the records we maintain to (a) account for the value of the funds available for Charges on Cards, (b) establish Card Accounts, (c) provide Transaction histories (Charges, Transactions, payments), and (d) inform the Accountholder of fees and payments it owes.
  • (f) “Transaction” means a request initiated by you to make a payment with a Card for the purchase of goods or services or to obtain a cash-advance at an ATM.

2. Your Card and Card Account.

Your Card is issued and provided by Issuer and is linked to an individual Card Account. Your individual Card Account is linked to your Accountholder’s Hexacard Account. Your Charges are billed to that Hexacard Account. You are not directly liable to us for your Charges or other activity on your individual Card Account. Your Card must be activated prior to use. The Administrator will provide activation instructions to you. If you did not receive activation instructions for your Card, contact your Administrator. We or your Administrator may apply a Card Limit to your Card Account. Charges will reduce the Card Limit, and any Charges in excess of the Card Limit may be declined.The card fee cannot be refunded after purchase, if your user account is blocked for any reason such as fraud or risk of violation, the card fee cannot be refunded.

3. Account Opening.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify, and record information that identifies you when a Card Account is opened for you. What this means for you: In connection with opening your individual Card Account, we will ask you for your name, street address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents from you.

4. Using Your Hexa Payment Card.

You may only use your Card for bona fide business purchases on behalf of the Accountholder and for valid and lawful purposes. You may not use your Card for personal, family or household purposes. Your Card remains the property of the Issuer and must be returned upon request. We may cancel, revoke, repossess or restrict the use of your Card at any time. We may decline to authorize or reverse Charges or suspend your Card for any reason including violation of these Payment Card Terms or suspected fraud. We also may decline to authorize Charges at merchants characterized by the Card Network or us as prohibited merchants. We are not responsible for losses resulting from declined or reversed Charges. Merchants typically accept all Card Network-branded Cards; however, we are not responsible and will have no liability if a merchant refuses to honor a Card or accept a Transaction.

5. Card Account Holds.

When you use your Card to initiate a Transaction at hotels, restaurants, gas stations, rental car companies, and certain other merchants where the amount of the final Transaction is unknown at the time of authorization, a hold may be placed on your Card Account for an amount equal to or in excess of the final Transaction amount. We or your Administrator also may place a hold on available funds in your Card Account for certain other Transactions. When a hold is placed on your Card Account, the amount of the hold will reduce the then-applicable Card Limits until the hold is released.

6. Card Security.

You are responsible for securing your Cards, account numbers and Card security features (including the CVV and PIN).

7. Data Privacy

Hexacard will only use Personal Data as required to provide the Services, to fulfill our obligations to regulatory authorities, and in accordance with the Hexacard Privacy Policy. Issuer will use and care for Data in the manner described in the Celtic Bank Privacy Policy. Protection of Personal Data is very important to us. The Hexacard Privacy Policy and Celtic Bank Privacy Policy explain how and for what purposes we collect, use, retain, disclose, and safeguard Data provided to us in connection with the Services. You agree to review the terms of these policies, which we may update from time to time, and which form part of these Terms.