UK law

  • How am I protected as a seller?

    When you send us a gift card, you enter the details into our website, and then post or email the gift card to us. This results in an audit trail which you can monitor and reference. We verify the gift card and in the rare case of a discrepancy, we can compare our findings to the card or egift you have sent. You will receive an update at each stage, and if there is any discrepancy we will contact you directly. Everybody gets paid the agreed value of their card.We process over a thousand card each week and pay many hundreds of sellers direct to their bank or PayPal account. Its easy to become one of them, just work through our sell page and send us your gift card.You sell your gift card to Cardyard, and although we sell it on to a buyer, you don't have to deal with them at all.We are governed by our terms and conditions and our customer service charter. We are happy to clarify anything with our customers.
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  • How am I protected as a buyer?

    Gift cards on this website are sold by Cardyard Ltd, and you are protected under UK Consumer Rights Act 2015. Gift cards are classed as a digital product, and are exempt from the Consumer Contracts Regulation, and we make that clear in the checkout - your right to cancel is lost once a card is dispatched. However, if you change your mind after purchase, you can sell the card back to us and you should contact us to make arrangements.Although Cardyard is classed as an exchange, we offer much more protection than a typical marketplace. We verify each gift card we sell, and you only have to deal with us, and we uphold full UK Consumer rights.
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  • What happens to the photo ID you requested?

    Once you reach a certain threshold as a seller or as a buyer, we must verify your billing address. To do so, we ask for a photo of your drivers licence, or a photo of your passport and utility bill (you don't need to send photo of utility bill if you send us a drivers licence). If you are a seller, you will need to complete your bank details as we will not pay into PayPal over a certain threshold. We use a third party security company to verify your details. They follow a strict protocol to ensure your details remain within their company, and are hidden from their employees and agents (we use a web interface). This makes our enquiries anonymous.Your information is protected within Cardyard by our privacy policy.We are registered with the ICO who enforce GDPR and the Data Protection Act. You can find our registration on their search page https://ico.org.uk/ESDWebPages/Search
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  • Retailer gift card terms and conditions

    Gift Cards are big business in the UK. There are many intermediaries and resellers and to protect themselves, retailers put terms and conditions on their cards that are binding on the person who purchases them. Terms like cannot be exchanged for cash refer to their own reluctance to take back the card. Occasionally we have seen the term cannot be resold, and although this affects the purchaser of the card, it may not be enforceable for individual cases; it is designed as a part of reseller and bulk purchasing agreements. One thing that is certain, if you receive a gift card as a gift, none of the restrictions are enforceable as there is no consideration (no payment of money by you). You can do what you want with the card and can pass on the benefit in any way you see fit. When we buy the gift card from you, there is consideration (we pay you money) and we have our own terms and conditions.
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