Terms & conditions

Equals Money 2022 'Accountex Prize Draw’ Official Rules

1.      Sponsor: These are the Official Rules for the Equals Money 'Accountex Prize Draw’.
The sponsor and administrator of this Competition is Equals Money. Registered Office: 3rd
Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ.
2.      Timing: The Equals Money 'Accountex Prize Draw’ begins at 09.00 on 12th October
2022 and ends at 23:59 on 12th October 2022 BST (the 'Accountex Prize Draw’ period).
3.      Who may enter: Entry is open to:
a.      All who have attended or exhibited at the Accountex event,
4. Winners must be:
a.      Be willing to fully comply with these Official Rules and all other terms and conditions
of the 'Accountex Prize Draw’;
b.      Be willing to comply with Equals Money in publicising the winners of the contest, and
to take part in online promotional activities on Equals Money and their social media sites.
Immediate family (i.e spouse, parents, siblings and children) and household members of
each entity are not eligible.
5.Participation constitutes entrant’s full and unconditional agreement to these Official Rules
and Sponsor’s decisions, which are final and binding in all matters related to the 'Accountex
Prize Draw’.
6.      How to Enter: Entrants must have submitted a full response to the supplied online
form by  23:59 on 12th October 2022 BST.
7.      The prize is a FairFx multi-currency card that is preloaded with 100 GBP. There will
be one winner. Prize is not redeemable for cash. Prize is non-transferable and no
substitution will be made except as provided herein at the Sponsor’s sole discretion. The
Winner is responsible for all taxes and fees associated with the prize receipt and/or use. The
Winner must be over 18 years of age.
8.      Drawing and Winner Notification: The Sponsor will select one prize winner at one
time in a random drawing of all eligible entries at the close of the competition. The Sponsor
is not responsible for and shall not be liable for late, lost, or misdirected entries. Winners will
drawn at random Friday 14th October 2022 at 10:00 BST and announced by email on the
same day. It is the entrant’s obligation to notify the Sponsor in writing of any change of
contract information. The winner will be required to respond to the winner notification within 5
days of the time the notice is sent in order to claim their prize. If the potential winner cannot
be contacted or fails to respond within the required time period or fails to comply with any
other term of these Official Rules, that potential winner forfeits the prize. Winning is
contingent upon fulfilling all requirements of these Official Rules: In the event that a potential
winner is disqualified for any reason, the Sponsor will award the applicable prize to an
alternate winner by random drawing from among all remaining entries from the applicable
Entry Period.

9.      Publicity: The acceptance of the Prize by a winner shall constitute and signify the
winner’s agreement and consent that the Sponsor and its designees may use the winner’s
full name, county, quotes, photo, submission, entry or prize information (collectively
“Submission”) in any manner the Sponsor deems fit including, but not limited to, in
connection with the Sponsor’s exploitation of the Submission for promotional, advertising or
other purposes, worldwide, in any and all media now known or hereafter devised, without
limitation and without further payment, notification, permission or other consideration, except
where prohibited by law.

10.    Winners will be alerted that they’ve won by email by 23:59 on the 14th of October.
11.    Additionally, by participating in this competition, entrants consent to being contacted
by a member of the Equals Money team.
12.    Release: By participating, the entrant agrees to release and hold harmless the
Sponsor to the maximum extent permitted by law and its respective subsidiaries, affiliates,
suppliers, distributors, advertising/promotion agencies, and prize suppliers and each of their
respective parent companies and each such company, officers, directors, employees and
agents from and against any claim or cause of action, including, but not limited, personal
injury, death, or damage to or loss of property arising out of the entrant’s participation in this
'Accountex Prize Draw’ or receipt or use or misuse of any Prize, as well as or any claim or
cause of action based on publicity rights, infringement of intellectual property, defamation, or
invasion of privacy arising from any materials the entrant has submitted in connection with
the entrant’s participation in this competition.
13.    Limitations of Liability: The Sponsor is not responsible for:
a.      Any incorrect or inaccurate information, whether caused by entrants, printing errors
or by any of the equipment or programming associated with or utilized in the 'Accountex
Prize Draw’;
b.      Technical failure of any kind, including but not limited to, malfunctions, interruptions,
or disconnections in phone lines or network hardware or software;
c.      Unauthorised human intervention in any part of the entry process of the 'Accountex
Prize Draw’;
d.      Technical or human error which may occur in the offer or administration of the
'Accountex Prize Draw’, including but not limited to errors in the advertising, Official Rules,
selection and announcement of the winner and distribution of the prizes or the processing of
e.      Any inability of any winner to accept or use any prize for any reason; or
f.       Any injury or damage to persons or property which may be caused, directly or
indirectly in whole or in part from the entrant’s participation in the 'Accountex Prize Draw’ or
receipt or use of misuse of any prize. If for any reason an entrant’s entry is confirmed to
have been erroneously deleted, lost, or otherwise destroyed or corrupted, the entrant’s
remedy is another entry in the 'Accountex Prize Draw’, provided that, if it is not possible to
award another entry due to discontinuance of the 'Accountex Prize Draw’ or any part of it, for
any reason, the Sponsor, in its sole discretion, may elect to hold a random drawing from
among all entries received up to the date of discontinuance for any or all of the prizes offered
herein. No more than the stated value of prizes will be awarded. In the event that production,
technical, seeding, programming or any other reasons cause more than stated number of
prizes as set forth in these Official Rules to be available and/or claimed, the Sponsor
reserves the right to award only the stated number of prizes by a random drawing among all
legitimate, unawarded, eligible prize claims. The Sponsor reserves the right to cancel,
suspend and/or modify the 'Accountex Prize Draw’, or any part of it, if any fraud, technical
failures or any other factor beyond the Sponsor’s reasonable control impairs the integrity or
proper functioning of the 'Accountex Prize Draw’ as determined by the Sponsor in its sole
14.    The Sponsor reserves the right, in its sole discretion, to disqualify any individual it
finds to be tampering with the entry process or the operation of the 'Accountex Prize Draw’
or to be acting in violation of these Official Rule. The Sponsor’s failure to enforce any term of
these Official Rules shall not constitute a waiver of that provision.

15.    Entrant’s Personal Information: Information collected from the entrants in this
'Accountex Prize Draw’ is subject to the Sponsor’s Privacy Policy
16.    These terms and conditions are governed by the laws of England and Wales.
17.    All disputes relating to these terms and conditions shall be resolved by the Courts of
England and Wales.

Card issue fee
£10.00 +VAT per card
Maintenance and support
£50.00 +VAT annual platform fee per account
Card to card transfer
UK point of sale transaction fee
Free when spending in currency
International point of sale transaction fee
Free when spending in currency
UK ATM transaction fee
Please note that some ATMs may apply an additional surcharge. This is outside of the control of Equals Money and you will be notified before authorising the transaction.
International ATM transaction fee
£1.50 - an out-of-currency fee might apply
Over the counter bank branch withdrawal fee
1.5% of the transaction value
Subject to a minimum fee of £5.00 / €6.25 / $7.50
Loading fee
Sterling card - free
US dollar card - free to load using sterling, subject to Equals Money exchange rate, 1% load fee when loaded with US dollars.
Euro card - free to load using sterling, subject to Equals Money exchange rate. 1% load fee when loaded with euros.
Customer service telephone enquiries
Standard call charges apply.
Lost and stolen card replacement fee
Dispute administration fee
£10.00 per disputed transaction (this may be refunded in certain circumstances).
Refund fee on active cards
€10.00 for the Euro card
$10.00 for the US dollar card
£10.00 for the Everywhere card
Currency is exchanged at the prevailing rate at the time of the refund.
Out-of-currency fee
A 1.5% currency fee applies when a transaction is made in a currency other than

24 month dormancy fee
If you have not completed at least one transaction on any card linked to the account within the last 24 months, monthly fees of up to £50 / €50 / $50 will be charged to any positive account balance.