IQPay Purchase Card Terms and Conditions

General Terms 

These IQPay Digital PurchaseCard Terms and Conditions (“Terms and Conditions”) apply in addition to theTerms of Use set forth in the program sponsor’s Commercial Agreement. Forpurposes of these Terms and Conditions, including the arbitration provision set forth below, the term “IQPay” shall be interpreted broadly to encompass BridgePurchasing Solutions, Inc, IQPay, IQPay and any of its predecessors, successors, assigns, parents, subsidiaries, affiliates, and each of their respective officers, directors, shareholders, employees, and agents.

‍IMPORTANT: THESE TERMSAND CONDITIONS CONTAIN A MANDATORY ARBITRATION PROVISION THAT, AS FURTHER SETFORTH BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVEDISPUTES.  THIS MEANS THAT YOU AND IQPAY ARE EACH GIVING UP THE RIGHT TOSUE EACH OTHER IN COURT OR IN CLASS ACTIONS OF ANY KIND.  IN ARBITRATION,THERE IS NO JUDGE OR JURY AND THERE IS LESS DISCOVERY AND APPELLATE REVIEW THANIN COURT. 

Nonreturnable; not for resale
Notwithstanding anything contained in these Terms and Conditions, IQPay Purchase Cards may not be redeemed, returned or refundable for cash. They are to be used to purchase the goods and services, and only the goods and services, approved by the program sponsor. Items purchased may not be returned for cash. If an item that waspurchased using an IQPay Purchase Card is returned, the returned value must be reapplied back to the IQPay Purchase Card that was used to make the original purchase. Resale of IQPay Purchase Cards is strictly prohibited.

Liability
The balance on any IQPayPurchase Card is solely the liability of Bridge Purchasing Solutions, Inc. IQPay retains full ownership of unused funds. Unless otherwise expressly stated in other IQPay documentation, at no time shall the receipt of an IQPay PurchaseCard be considered a transfer of ownership of funds. The recipient has the right to use said funds strictly towards the purchase of a good or service, explicitly approved by the program sponsor, up to the expiration date on the card. IQPay Purchase Cards may be cancelled and deactivated at any time by the program sponsor or, under certain conditions, by IQPay. Recipients of an IQPayPurchase Card have no right to claim any value from cards that have been deactivated.

‍Acceptance locations
IQPay Purchase Cards maybe redeemed at any participating retail location. Participating retail locations for any specific purchase card will be identified on the card.  In some cases, IQPay Purchase Cards may alsobe utilized to purchase authorized goods and services from participating retailers’ online websites. If available, online purchasing will be explicitly identified as an option on the card and/or engagement materials.

‍No affiliation with Retailer
IQPay is independent from the IQPay retail network providers. IQPay has no ownership interest in any of the retail providers in its network and no retail provider has any ownership interest in IQPay.

‍No affiliation with Walmart
Bridgemart and Walmart are independent business entities. Walmart is an independent network provider for Bridgemart purchase cards. Walmart has no ownership interest in Bridgemart and Bridgemart has no ownership interest in Walmart.  

‍Compliance with laws
By redeeming an IQPay purchase card, you are certifying and representing that the activities in connection with which the IQPay purchase card will be used will comply with these Terms and Conditions and all applicable laws, rules and regulations, and that the IQPay purchase card will not be used in any manner that is misleading, deceptive, or unlawful. In addition, IQPay is not liable for any claims or expenses incurred by card recipient in connection with your use of the IQPay purchase card or violation of any of these Terms and Conditions.

‍Lost or Stolen GiftCard
Lost or stolen cards that have not been used, may be replaced at the sole discretion of the program sponsor. IQPay shall have no liability to you for (i) lost or stolen IQPay purchase cards or (ii) use of any IQPay purchase cards by third parties through their Walmart.com account. You are solely responsible for keeping the IQPay purchase card details safe and protected.

‍IQPay Payment CardBalances
Card recipients may retrieve their card balance by calling 1-888-752-1120. It may take up to 24 hours for purchases made using an IQPay purchase card to show up on the account. Consequently, any balance retrieved is an estimate only.

Disputes & Arbitration

PLEASE READ THIS SECTION CAREFULLY.  IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.  This arbitration provision provides that you and IQPay waive any right to file a lawsuit in court or participate in a class action formatters within its terms. EXCEPT FOR DISPUTES THAT QUALIFY FOR SMALL CLAIMS COURT, ALL DISPUTES ARISING OUT OF OR RELATED TO THESE TERMS AND CONDITIONS OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND IQPAY, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL, SINGLE ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY,AND YOU AGREE THAT YOU AND IQPAY ARE EACH WAIVING THE RIGHT TO SUE IN COURT ANDTO HAVE A TRIAL BY A JURY.  DISPUTE SHALL BE INTERPRETED AS BROADLY AS PERMITTED UNDER THE LAW AND SHALL COVER ANY CLAIMS THAT AROSE BEFORE THESE OR ANY PRIOR TERMS AND CONDITIONS.  YOU AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; AS SET FORTH BELOW.  This arbitration provision shall survive any termination of these Terms and Conditions. Any amendments to this arbitration provision shall not affect any pending asserted claim or arbitration proceeding.    

‍Applicable Law
The law applicable to the interpretation and construction of these Terms and Conditions in any arbitration shall be the Federal Arbitration Act, applicable federal laws, and the laws of the State of Texas without regard to principles of conflicts of laws.  If any dispute is found not to be arbitrable, then ordinary choice of law rules will apply in any court proceeding in which the matter is adjudicated. 

‍Updates to Terms andConditions
These IQPay purchase card Terms and Conditions were last updated on the date set forth above. IQPay may update these Terms and Conditions at any time. We recommend that you check these Terms and Conditions periodically for changes.