Hampsta Customer Terms and Conditions 

Customer terms for the Hampsta Christmas Savings Club Card Programme. 

This document contains the Hampsta Customer Services Terms and Conditions. These Terms set out the rules governing the Hampsta Christmas Savings Club Card Programme and should be read together with the Tranxactor Privacy Policy. 

1. Introduction and acceptance 

Published and Effective Date: 1 August 2026. 

These Terms and Conditions govern the relationship between you and Tranxactor New Zealand Limited, trading as Hampsta NZ (“Hampsta”, “Tranxactor”, “we”, “us” and “our”), when you apply for, join, contribute to, access or use the Hampsta Christmas Savings Club Card Programme. 

The Programme is designed to help customers save progressively during the year and spend their Available Balance at Participating Retailers during the Specified Purchase Period. 

These Terms must be read together with the following documents and schedules, each of which forms part of the applicable customer terms: 

• the Tranxactor Privacy Policy; 
• any applicable Product Schedule; 
• any applicable Fee Schedule; 
• any Direct Debit Authority or payment authority; 
• any Participating Retailer terms; and 
• any promotional programme terms. 

By applying for, joining, contributing to, accessing or using the Programme, your Account, your Card or any Service, you agree to be bound by these Terms. 

If there is any inconsistency between the English version of these Terms and any translated text, the English version will prevail. 

2. Definitions and interpretation 

Account means your Hampsta savings club account. 

Application Form means the application form or online application used to apply for Programme membership. 

Available Balance means the available balance of funds on your Account that may be spent during the Specified Purchase Period. The maximum value you can hold in your Account at any time is NZ$5,000, unless we specify a lower amount. 

Card means a Hampsta Christmas Savings Club Card issued for use with the Programme. 

Customer means the individual who applies for, joins, contributes to or uses the Programme. 

Fee Schedule means the schedule of fees published by Hampsta or Tranxactor from time to time. 

Participating Retailer means a retailer or service provider that participates in the Programme and accepts the Card during the Specified Purchase Period. 

Programme means the Hampsta Christmas Savings Club Card Programme. 

Services means all services provided by Hampsta or Tranxactor in connection with the Programme, Account or Card. 

Specified Purchase Period means the period during which the Card may be used to purchase goods or services from Participating Retailers, being 1 December to 10 January inclusive, or any other period notified by us. 

Trust Deed means the trust deed governing funds held for the Programme. 

Trustee means any entity appointed to act as trustee of Programme funds from time to time. 

3. Eligibility and customer obligations 

To use our Services, you must: 

• have an Account, Card, Programme membership or customer relationship that has not been suspended or closed; 
• agree to these Terms; 
• have read and agreed to the Tranxactor Privacy Policy; 
• be at least 18 years of age; 
• have legal capacity to enter into agreements; 
• complete the application process; 
• provide any information reasonably requested by us; 
• comply with all applicable laws; and 
• be able to honestly make the representations set out in section 5. 

We may refuse to provide our Services, or may refuse, cancel, suspend, delay or decline an application, contribution, Direct Debit, Account, Card, transaction, purchase, top-up, membership or service request, if: 

• payment authorisation fails; 
• you are not the authorised holder of the relevant payment method; 
• the payment method is invalid, expired or not in good standing; 
• we consider it reasonably necessary to protect our systems, customers, retailers, partners or business; 
• we consider it reasonably necessary to protect us or you from fraud or other illegal activities; 
• we consider that acting on your request may cause us or any service provider to breach any law, regulation, directive, sanction, payment partner requirement, banking requirement or trust obligation; 
• we have reasonable grounds to suspect that you or someone purporting to act on your behalf is acting fraudulently; 
• your request does not contain all information we require; 
• we reasonably consider you pose an unacceptable liability, credit, compliance, AML/CFT, sanctions, fraud, operational, trust administration or reputational risk; 
• you provide incomplete, incorrect or misleading information; 
• you attempt to obtain more funds, value, refunds, credits or benefits than you are entitled to; or 
• any other circumstance arises that reasonably justifies refusal, cancellation, suspension or delay. 

4. Customer information 

You must ensure that all information you provide to us is accurate, current, complete and not misleading. You must promptly notify us of any material changes to your information, contact details, Direct Debit arrangements or payment details. We may request further information or documents where reasonably required for identity verification, fraud prevention, compliance, operational, payment, trust administration, customer support or risk management purposes. 

5. Customer representations 

You represent that you are a natural person of at least 18 years of age, have legal capacity to enter into these Terms, are authorised to use any payment method you provide, will use the Programme, Account, Card, Products and Services only for lawful purposes, will provide accurate, complete and non-misleading information, and will comply with these Terms and all applicable laws. 

6. Communications 

We may communicate with you electronically, including by email, SMS, website notice, account message, customer support message or any other digital channel approved by us. Communications may include membership confirmations, Account notifications, balance notices, Direct Debit notices, payment failure notices, service notices, policy updates, security notifications, fraud alerts, customer support communications, legal notices and marketing communications where permitted by law. You may opt out of marketing communications at any time, but you may still receive important service, legal, security, payment, Account or Programme-related communications. 

7. Privacy 

We collect, use, store and disclose personal information in accordance with the Tranxactor Privacy Policy, as updated from time to time. The Tranxactor Privacy Policy applies to this Service and explains how personal information is handled, including collection, use, disclosure, retention, security, access, correction, complaints, website visitors, cookies and online enquiries. 

8. Security and authorised use 

You must keep all Cards, devices, account access tools, passwords, PINs, security credentials, Card numbers, redemption details and login details secure. 

• You must ensure that your security credentials are kept secure and that you are the only person who has access to them. 
• To protect your security credentials, you must try to memorise them, not write or keep a record of them on your computer or mobile phone even if disguised, not select credentials that can easily be associated with you, and immediately change them if someone else obtains them.
• You must not share security credentials or allow another person to use your Account, Card, Programme membership or customer relationship. 
• You must promptly notify us of any loss, theft, unauthorised access, suspected compromise, mistaken transaction, failed payment or security concern.
• We may treat actions performed using valid credentials, Cards, PINs, account access tools or redemption details as authorised unless and until we have been notified otherwise and have had a reasonable opportunity to act. 

9. Programme, contributions and Account balance 

Your annual contributions are subject to a maximum total amount of NZ$10,000 each year. The maximum value you can hold in your Account at any time is NZ$5,000. Contributions may be made by Direct Debit, bank deposit or in-store top-up at selected Participating Retailers where available. We may impose limits, decline contributions, delay availability of funds or request additional information where reasonably necessary for operational, fraud prevention, legal or compliance reasons. 

10. Direct Debit and payment authorities 

If you complete a Direct Debit Authority or other payment authority, you authorise Hampsta to debit payments from your nominated account according to that authority. You must ensure sufficient funds are available. Banks or payment providers may charge fees for failed payments. We may charge a reasonable administration fee for failed, dishonoured or reversed payments where permitted by law. Direct Debit payment dates may be affected by weekends or public holidays. You must contact us within the required notice period if you wish to change, pause or cancel a scheduled Direct Debit. 

11. Trust account treatment 

Your Available Balance will be held in a bank account on trust for your benefit, subject to the Trust Deed. Any interest earned on funds held in that bank account will be payable to Hampsta, and you will not be entitled to any share in that interest. 

12. Purchase period and Card use 

You may use your Card to purchase goods or services from Participating Retailers during the Specified Purchase Period. At other times, the Card may be used for permitted Account, identification or top-up purposes where supported by Participating Retailers. If your Available Balance is less than the purchase amount, a Participating Retailer may allow you to use your Available Balance together with another payment method. Purchases are debited from your Available Balance and generally cannot be stopped, reversed or altered by Hampsta once authorised. 

13. Restrictions on use 

The Card is not a credit card, is not redeemable for cash, is not transferable and cannot be used at ATMs unless expressly permitted. No change will be given by Participating Retailers. The Card may not be used for prohibited, restricted or unlawful purchases, including medical prescriptions, lottery products, tobacco products where not permitted by a Participating Retailer, or any other category restricted by Hampsta, Tranxactor, a Participating Retailer, law or card programme rules. Bonus benefits are not transferable and will not be included in any reimbursement unless expressly stated. 

14. Card security, PINs and lost or stolen Cards 

You must keep your Card and PIN secure and must not share your PIN with any other person. If you allow another person to use or hold your Card, transactions made using the Card may be treated as authorised by you. You must notify us immediately if your Card is lost, stolen, damaged or misused. Provided we are satisfied of your identity, we may cancel the affected Card and issue a replacement Card. A replacement fee may be deducted from your Available Balance. Unauthorised transactions occurring before you notify us may be debited from your Available Balance, except to the extent prohibited by law. 

15. Participating Retailers 

Participating Retailers may change from time to time. Hampsta does not warrant or represent that any particular retailer will remain a Participating Retailer at any time or for any period. Participating Retailers are responsible for the goods and services they supply, their own terms and conditions, refunds, exchanges and operational decisions. 

16. Errors and disputed purchases 

You are responsible for monitoring your Available Balance and Account activity. If you believe an error has occurred in relation to a purchase, contribution or Account balance, you must notify us as soon as possible and in any event within 21 days of the relevant error. We will investigate and, where we determine that an error has occurred, correct it within a reasonable timeframe. 

17. AML/CFT, sanctions and fraud monitoring 

We may request information necessary to meet legal, regulatory, AML/CFT, sanctions, banking, payment partner, trust administration, operational and risk management requirements. 

• This may include information to verify identity, age, address, source of funds, source of wealth and ownership of payment methods. 

• We may use this information to prevent fraud, meet compliance obligations, administer the Programme and manage risk. 

• Failure to provide requested information may result in delayed contributions, restricted Services, suspension, cancellation of membership, refusal of contributions or closure of your Account. 

17.1 Ongoing monitoring 

We may monitor activity for compliance, fraud prevention, sanctions screening, security, operational, trust administration and risk management purposes. 

• Activity we monitor may include applications, contributions, Direct Debit activity, bank deposit activity, Card activity, Account activity, device information, website activity, usage patterns, customer communications and transaction history. 

17.2 Sanctions and regulatory requirements 

We may delay, block, freeze, suspend, reverse, cancel or refuse any contribution, transaction, Card use, membership application, Account activity, Product, Programme feature or Service where required by law or where we reasonably consider this necessary. 

• This may include compliance, AML/CFT, sanctions, fraud prevention, banking, payment partner, operational, security, trust administration or risk management reasons. 
• We are not liable for delays or refusals arising from those obligations or risk controls. 

You should be aware that we may from time to time require additional information from you to assist us in meeting our legal, regulatory, AML/CFT, sanctions, fraud prevention, banking, payment partner, operational, trust administration and risk management obligations. Where legally required or reasonably permitted, we may disclose information gathered through this process to regulatory or law enforcement agencies, financial institutions, payment partners, service providers, trustees, Participating Retailers or other third parties. 

You undertake that your use of the Programme, Account, Card, Products and Services, and the underlying activity for which they are used, will not breach any New Zealand law, any applicable overseas law, sanctions requirement, AML/CFT requirement, payment partner requirement, banking requirement, trust obligation or Programme rule. You indemnify us against any losses arising from a breach of that undertaking. 

17.3 Fraud prevention 

We may delay contributions, hold activity for review, request documentation, suspend Services, cancel membership, restrict Card use or refuse future transactions where fraud, suspected fraud, unauthorised activity or suspicious conduct is identified. 

18. Suspension, cancellation and service withdrawal 

We may suspend any Account, Card, Product, Programme feature, retailer arrangement, transaction, payment, contribution, service channel, website, platform or Service where reasonably necessary. 

• This may include investigating fraud or suspicious activity, complying with law, protecting customers, protecting our systems, protecting partners, meeting trust administration requirements, managing operational risk, meeting payment partner or banking requirements, or protecting our business. 
• Suspension may occur without prior notice. 

18.1 Cancellation requested by customer 

You may request cancellation of your membership at any time. Hampsta is designed to encourage members to save for the relevant Specified Purchase Period, and remaining funds will generally not be returned directly to you except as expressly permitted by these Terms, required by law or approved by Hampsta in cases of financial hardship. You may temporarily stop or reduce contributions by contacting us within the required notice period. 

18.2 Hardship refunds and Account closure 

Refunds are not generally available other than in cases of genuine financial hardship, legal requirement, Programme termination or another circumstance approved by Hampsta. Hardship refund requests will be considered case by case and may require supporting evidence. Approved refunds may be subject to an account closure fee, payment processing fees, failed payment fees, administration fees or other deductions permitted by law. 

18.3 Closure by Hampsta 

Without limiting any other rights available to us under these Terms, we may suspend, restrict, deactivate, close or permanently terminate any Account, Card, membership, Product, Programme feature, transaction, service channel or customer relationship at any time and at our discretion where: 

• we reasonably consider that maintaining the relationship is inconsistent with our risk appetite, compliance obligations, trust administration requirements or business requirements; 
• we are required to do so by law, regulation, court order, regulatory direction, sanctions requirement or law enforcement request; 
• we cease carrying on business or materially restructure our business operations; 
• we reasonably determine that continuation of the relationship, Programme or Product is no longer commercially viable; 
• you have not used the relevant Account, Card or Programme for a continuous period of 12 months or another period specified in a Product Schedule;
• you breach these Terms, provide misleading information, misuse Services or engage in unlawful activity; or 

• any circumstance arises which, in our reasonable opinion, justifies closure or withdrawal of the relationship, Programme, Product or Service. 

18.4 Programme termination and Product withdrawal 

Hampsta may discontinue the Programme, any Card, Programme feature, retailer arrangement, promotional programme, website, platform or service channel at its discretion, including for commercial, operational, security, regulatory, legal, supplier-related, trust administration, banking, payment partner, compliance, fraud prevention, AML/CFT, sanctions, risk management or viability reasons. Where practical and lawful, affected customers will receive reasonable notice and information about any available redemption, refund, transfer or transition arrangements. Upon Programme termination, customers may be given a reasonable period to use their Available Balance or may receive a refund or other treatment determined by Hampsta in accordance with these Terms, the Trust Deed and applicable law. 

18.5 Unclaimed funds 

Where customer funds remain unclaimed and Hampsta is unable to contact the customer after reasonable efforts have been made, Hampsta may transfer those funds in accordance with the requirements of the Unclaimed Money Act 1971 or any replacement legislation. 

18.6 Dormant Accounts and annual fees 

An Account may be classified as dormant if it has been inactive for 24 consecutive months or such other period specified by us. We may close dormant Accounts following reasonable notice. Annual account maintenance fees may be deducted from your Available Balance where sufficient funds are available. If sufficient funds are not available to pay an annual fee, your Account may be deactivated until the applicable fee is paid. 

19. Liability and indemnity 

19.1 Liability 

Except for any liability that cannot be excluded by law, including statutory consumer guarantees, Tranxactor and Hampsta are not liable to you for loss or damage arising from your use of the Programme, Account, Card, Products or Services, except to the extent that loss or damage is caused by our negligence or fraud. 

This includes indirect loss, consequential loss, loss of profits, loss of opportunity, reputational damage, Participating Retailer acts or omissions, products or services supplied by Participating Retailers, payment failures, unauthorised use arising from your failure to secure your Card, PIN or credentials, system outages, service unavailability, inaccurate or delayed information, failed or delayed communications, data loss where we have complied with privacy law, or transactions, contributions, payments, Card use, Accounts or Services delayed, blocked, frozen, suspended, reversed, cancelled or refused for legal, compliance, banking, payment partner, trust administration, fraud prevention or risk management reasons. 

To the extent permitted by law, our liability is limited to re-supply of the Service, replacement of a Card or the Available Balance of the affected Account. Nothing in these Terms excludes, restricts or limits any rights or remedies that cannot lawfully be excluded or limited under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or any other applicable law. 

19.2 Trustee liability 

Your rights and remedies under these Terms are against Hampsta or Tranxactor and not against the Trustee, except to the extent expressly provided in the Trust Deed. The liability of the Trustee is limited as set out in the Trust Deed and applicable law. 

19.3 Customer indemnity 

You indemnify and keep Tranxactor and Hampsta indemnified, and must pay us on demand, against all claims, actions, suits, losses, defaults, liabilities, expenses, costs, including legal costs, and damages that we may incur or suffer arising out of or in connection with your use of the Programme, Account, Card, Products or Services. 

• your failure to comply with these Terms; 
• your failure to comply with any law, regulation, directive, AML/CFT requirement, trust obligation or sanction; 
• your failure to pay any charges or fees payable by you under these Terms; 
• your unlawful conduct, fraudulent activity or misuse of the Programme, Account, Card, Products or Services; 
• unauthorised use of a payment method, chargebacks or failed payments; or 
• instructions or requests purporting to originate from you. 

The indemnity given by you under these Terms is a continuing obligation and continues after termination. It is not necessary for us to incur expense or make payment before enforcing the relevant indemnity. 

20. Complaints and external dispute resolution 

20.1 Complaints 

Customers should first contact Hampsta Customer Support so we can review and respond to the complaint. We will investigate complaints within reasonable timeframes and may request further information where needed to assess the issue. 

20.2 External dispute resolution 

If we are unable to resolve your complaint directly, you may have the right to refer the matter to an applicable external dispute resolution scheme, regulator or court with jurisdiction. We will provide details of any applicable external dispute resolution process where required by law or where it is otherwise available for the relevant complaint. 

21. Changes to these Terms 

22. Assignment 

Tranxactor or Hampsta may assign, transfer, subcontract or novate its rights and obligations under these Terms, including to a related company, purchaser, successor, service provider, trustee, programme operator or product operator. Customers may not assign or transfer rights or obligations under these Terms without our prior written consent. 

23. Severability and set-off 

If any part of these Terms is prohibited, invalid or unenforceable, it is ineffective to that extent only and the remaining provisions continue in force unless severance would alter the basic nature of the agreement. We may set off any amount we owe to you against any amount payable by you under any arrangement with us. 

24. Service availability 

We do not guarantee uninterrupted availability of the website, platform, Account access tools, payment functionality, customer support channels or Services. 

• Services may be unavailable due to scheduled outages, maintenance, upgrades, emergency maintenance, security requirements, operational issues, retailer, supplier or payment partner issues, banking requirements, compliance requirements, trust administration requirements, risk management reasons or factors beyond our control, such as your internet connection. 
• Where practical, we may publish information about scheduled outages on our website or through another customer communication channel. 

25. Intellectual property 

All intellectual property rights in the Hampsta website, platform, branding, content, software, documents, customer communications, Programme materials, Card materials and related materials remain the property of Tranxactor or its licensors. 

You are authorised solely to view and retain a copy of pages from our website for your own personal, non-commercial use. You must not copy, reproduce, distribute, modify, upload, transmit, reuse, publish, frame or exploit those materials except as permitted by us in writing or as necessary to use the Services for their intended purpose. 

If you use our software as part of creating or maintaining an Account, Card, Programme membership or customer relationship, we and our licensors grant you a limited, non-exclusive, revocable, non-transferable and non-sublicensable licence solely for the purpose of using the software to access the relevant Services. 

If you provide suggestions, feedback or input relating to our Programme, Products, Services or website, you agree that we and our corporate group entities may use that input without restriction. You assign to us all right, title and interest in that input and agree to provide any assistance we may reasonably require to maintain our rights in it. 

26. Governing law and jurisdiction 

These Terms are governed by and interpreted in accordance with the laws of New Zealand. Each party accepts the non-exclusive jurisdiction of the New Zealand courts. 

27. Entire agreement 

These Terms, together with the Tranxactor Privacy Policy, any Product Schedule, Fee Schedule, Direct Debit Authority and applicable Programme terms, constitute the entire agreement between you and Tranxactor regarding the Services. 

Product Schedule 1 – Hampsta Christmas Savings Club Card Programme 

Programme purpose 

The Programme helps customers save progressively during the year and spend their Available Balance at Participating Retailers during the Specified Purchase Period. 

Contribution period 

In-store top-up payments may only be made from 11 January to 26 November each year and only at selected Participating Retailers where available. Contributions made between 1 December and 10 January may require five to ten business days to clear before becoming available. 

Purchase period 

Unless otherwise notified, the Specified Purchase Period is 1 December to 10 January inclusive. Hampsta may vary the Specified Purchase Period by providing at least one month’s prior notice where practical. 

Available Balance carry forward 

Unused Available Balance remaining after the Specified Purchase Period may be retained for use during the following year’s Specified Purchase Period, subject to payment of applicable annual fees, submission of any required Direct Debit forms and these Terms. 

Fees 

The annual account maintenance fee is NZ$39.00 unless varied in accordance with these Terms. A replacement Card fee of NZ$10.00 may apply. Other fees may be set out in the Fee Schedule or notified to you before they apply.