The Card is personal. The Cardholder may not allow any other person to use the Card, for example, by disclosing the PIN or allowing them to use the Card details to purchase goods via the internet. We will be entitled to assume that a transaction has been authorized by the Cardholder where either: (i) the Card PIN is entered into a point of sales terminal; (ii) the Card is tapped against a Contactless enabled point of sales terminal; (iii) relevant information was supplied to the retailer or the PISP that allows them to process the transaction, for example, providing the retailer with the 3-digit security code on the back of the Card in the case of an internet or other non face-to-face transaction; or (iv) the Card or the Card information has been used in car rental companies or hotels, that have the right to, according to common practice, charge the Card retroactively with unpaid reasonable charges, expenses, uncancelled bookings and other Cardholder costs without the Cardholder’s signature. Normally, We will receive notification of the authorization by way of an electronic message in line with the rules and procedures of the payment scheme (Visa network). Once a transaction has been authorized, it cannot be stopped or revoked. However, the Cardholder may in certain circumstances be entitled to a refund in accordance with section 11 (Purchases from retailers) and section 13 (Zevoy’s liability). Upon receival of notification of the authorization of a transaction and the transaction payment order, We will normally deduct the value of the transaction, plus any applicable fees and charges, from the Available Funds. If any attempted payment exceeds the Available Funds, the transaction will be declined. If the Card is used for a transaction in a currency other than the currency that the Card is denominated in, the transaction will be converted to the currency that the Card is denominated in by the Visa scheme network at a rate set by Visa Inc. (please refer to the address https://www.visa.fi/fi_FI/support/consumer/travel-support/exchange-rate-calculator.html). The exchange rate varies throughout the day and is not set by Us, therefore We are not responsible for and cannot guarantee a favourable exchange rate. Changes in the exchange rates may be applied immediately and without notice. Information about the exchange rate used after the transaction has been completed may be obtained by contacting Our Customer Services team. The Customer shall be liable for any currency risk during the period from the use of the Card until the transaction is received by Zevoy in case the exchange rate on the date on which the transaction reaches Zevoy applies. In certain circumstances, We may without notice refuse to complete a transaction that the Cardholder has authorized. These circumstances include: (i) if We have reason to be concerned about the security of the Card or if We suspect the Card is being used in a fraudulent or unauthorized manner; (ii) if there are not sufficient Available Funds to cover the transaction and all associated fees when We receive notification of the transaction; (iii) if there is an outstanding shortfall on the Available Funds; (iv) if the Customer has an overdue invoice that has not been paid in full; (v) if We have reason to believe that the Cardholder is acting in breach of these Terms; (vi) if there are errors, failures (mechanical or otherwise) or refusals by retailers, payment processors or payment schemes processing transactions; or (vii) if We are required to do so by law. If We refuse to complete a transaction, We will notify the Cardholder as soon as reasonably practicable of the refusal and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal, unless it would be unlawful for Us to do so. We may suspend the Card, in which case the Cardholder will not be able to use it for any transactions, if We have reason to be concerned about the security of the Card or if We suspect that the Card is being used in a fraudulent or unauthorized manner. We will notify the Cardholder of any such suspension in advance, or immediately after if it is not possible to do it in advance, and of the reasons for the suspension unless doing so would compromise reasonable security measures or otherwise be unlawful. We will lift the suspension and, where appropriate, issue a new Card free of charge as soon as practicable once the reasons for the suspension cease to exist. The Cardholder may also contact Our Customer Services team to arrange for a suspension to be lifted if appropriate.