Terms and Conditions
Cardstream Safety & Security
As soon as a Customer enters into the application process, all information transferred between the Customer and Cardstream is encrypted using SSL encryption. Even if this data were to be intercepted over the Internet, it would be useless due to the encryption. When entering a secure area on the Cardstream site, the Internet browser will show a picture of a small padlock, normally appearing at the bottom of the screen or just to the right of the address bar. To check whether the page is secure, simply right click on the page and select 'properties' or 'view frame info' from the list.
Also, a secure web page can be identified from the web site address. Where a standard page will begin with 'http://', a secure web page will begin with 'https://', denoting that the page is using a secure server for the transmission of data. All credit card details entered on the Cardstream site are encrypted using Cardstream's 128bit SSL (Secure Sockets Layer) Software. When a secure connection is established, the downloaded web site sends a digital certificate to the Customer's web browser. When the certificate arrives, it will contain a public key, which functions as a one-way encryption device. The browser then uses this key to scramble any personal data (i.e. Credit Card Information) before sending it over the Internet. Information encrypted with the public key cannot be decrypted without the corresponding private key, held only by Cardstream. Therefore, without this exclusively held private key, no personal information can be read.
It is Cardstream policy that all personal information including, but not limited to, names, postal address(es), e-mail address(es) and telephone number(s), is kept private and confidential. All personal information provided is stored in a secure location, accessible only by designated Cardstream staff. It is used only for the purposes for which the information is provided (such as to reply to requests or to handle Customer queries). Also, if indicated on our site that the Customer would like to receive information about other products and services, such as publications or membership, their personal information will be added to the appropriate Cardstream mailing lists. If, at any time, a Customer changes their mind and would like to add or remove their name from any of Cardstream's mailing lists or correct their personal information, they need simply to send a secure message to Cardstream via the Merchant Management System.
Personal information will not be released to third parties except to further the purpose for which the information is provided. This may include release where required by law or where pertinent to judicial or governmental investigations or proceedings. There are no other circumstances under which we will provide or sell personal information to third parties.
Cardstream does not guarantee that Customer applications will be successful, nor is Cardstream responsible or liable for any external costs or fees incurred by the Customer as part of their application process. Cardstream is also not responsible for Merchant integrations and encourages all Merchants to use the latest integration guidelines available. Cardstream is not responsible or liable for any third party technical integrations.
Cardstream Setup Timescales
From the point when Cardstream has received all the necessary details (i.e. completion of the fields in the 'view/update account details' section of the Merchant Management System) your account will typically take 24-72 hours to be connected and activated. Cardstream make no guarantee that connection and activation will not take more than 72 hours and will not accept liability for any damages or costs associated with a delay in setting up an account.
Cardstream Response Time
Cardstream will endeavour to respond to Customer queries within one working day of submission. Cardstream does not accept responsibility or liability for any delay in responding to queries submitted that cannot be dealt with internally by Cardstream and that require input or information from third parties.
Cardstream Cancellation and Refunds
Upon account connection with Cardstream, all Customers agree to a minimum 12 month initial contract. After this period, Cardstream require 30 days notice in writing - an email to Cardstream Support is acceptable - for cancellation of the account. Once notification of cancellation has been received, Cardstream will contact the Customer, either by email or telephone, to notify them of any outstanding amounts requiring payment for settlement. It is the responsibility of all Customers to be aware of their Cardstream Subscription renewal date and Cardstream does not provide refunds for yearly Service Subscription fees paid in advance.
Cardstream Price Guarantee
Cardstream will beat on price any transaction authorisation tariff that is notified to us via email to firstname.lastname@example.org. The original tariff must be presented within an existing original statement or within a formal offer document from another service provider. A scanned document will suffice, although the original may be requested. The tariff must be for an exact 'like-for-like' Payment Gateway service and may not include any additional services. Cardstream has a number of reseller partners and this Price Guarantee is not valid when comparing against other Cardstream reseller partners. This price guarantee remains valid until 31st December 2014 and will discontinue from 1 January 2015 until further notice.
Cardstream Customer Agreement
Upon activation of their Cardstream account, all Cardstream Customers are bound by the Cardstream Payment Gateway Customer Agreement.
Cardstream Customer Authority
By submitting an online application form to Cardstream, we accept the Cardstream Terms and Conditions as set out above. We have notified our accounts department of Cardstream and the service they will be providing to us.