Hello Network - Terms and Conditions
Please read these Terms and Conditions carefully.
The following Terms and Conditions form a legal agreement between the User and Hello Network Inc. that governs the Hello Program.
In the case that you obtain a Hello card, you understand and agree that your participation in the Hello Program is also subject to all of the terms and conditions related to your Card as set forth in the Cardholder Agreement. Please refer to your Cardholder Agreement for all terms and conditions regarding the use of your Card.
Capitalized terms have the meaning ascribed to them as set out in Definitions section below.
Definitions
"Account" means the Hello Program digital account linked to the User.
"Affiliate Partner" means the commercial entities which have entered into an agreement with Hello Network to provide Hello users with a variety of Products.
"Agreement" means these Terms and Conditions between Hello Network and the User.
"App" means the mobile device application providing consumer interface to your Account, as offered and made available by Hello Network in accordance with this Agreement.
"Applicable Law" means the Trust and Loan Companies Act (Canada), the Personal Information Protection and Electronic Documents Act (Canada), the Act Respecting the Protection of Personal Information in the Private Sector (Québec), the Consumer Protection Act (Québec), the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), Canada’s Anti-Spam Legislation (CASL), PCI DSS or any other statute, regulation or operating rule of any Governmental Authority or any other regulatory authority that the Hello Network is subject to, or any bylaw, operating rule or regulation of Visa*.
"Card" refers to a Hello Visa Prepaid Card activated, received, signed or used by its Cardholder.
"Cardholder" means the individual to whom a Card has been issued.
"Cardholder Agreement" means the terms and conditions agreement for the Hello Visa Prepaid Card between the Cardholder and Peoples Trust Company.
"Coupon" means the value, obtained by any means through Products, stored in a Merchant-Specific Wallet.
"Hello Program" means the program governed by Hello Network which connects Hello users to Merchants and Affiliate Partners who may provide a variety of Products.
"Hello Space" refers to a hosted microsite, in a subdirectory of espacehello.ca where an Affiliate Partner’s Products are made available to Hello users.
"Merchant" means an entity registered in the Hello Program selling goods and/or services that can be purchased through the use of a Card at its points of sale.
"Merchant-Specific Wallet" means the aggregate of all Coupons held and available on a Card, for use at the eligible Merchants. It may appear on our Sites under a different but unambiguous label (e.g. My Balances, My Wallets, etc.).
"Product" means the Affiliate Partner’s digital offering of a card-based product or service, redeemable through the use of a Card at eligible Merchants, as further detailed in the “Products” section below.
"Sites" means the Websites, the App and any consumer interface owned by us which you interact with (which excludes Affiliate Partners’ and Merchants’ websites and mobile applications).
“User” means the individual participating in the Hello Program and bound by these terms and conditions.
"we", "us", "our", and "Hello Network" mean Hello Network Inc., and our successors, subsidiaries, affiliates, or assignees.
"Websites" means www.hellocard.ca and www.espacehello.ca.
"Visa" means Visa International Incorporated, and its successors and assigns.
"you", "your" and "yours" mean the User.
Eligibility
The Hello Program allows you to benefit from Products that can be used with a Card. To be eligible for the Hello Program, you must have an Account. There can only be one Account per individual. Access to some optional Hello Program features (e.g., viewing your Card PIN) may require you to download the App on your mobile device.
Participating in the Hello Program
Coupons: Your Coupons are available to be used at specific Merchants point-of-sales.
If you have paid for a Coupon without using your Account (e.g., at an Affiliate Partner’s physical site), if the particular Affiliate Partner associated with the Coupon ceases to conduct business or honor your Coupon, your sole recourse for reimbursement of the amount paid is directly against the Affiliate Partner, or its insolvency representative.
Products:
Gift Cards
Affiliate Partners may offer Products that allow you to pay an amount and receive a Coupon of the same value. If a promotion is available, a bonus amount will be added on top of the paid amount. Each Product is provided with its conditions and restrictions.
When you purchase a Product, you receive a Coupon with a balance that may consist of two portions: the contribution and the bonus. The contribution is the amount you paid; it does not expire but may be subject to inactivity fees. The bonus is the reward amount obtained for purchasing the Product. The bonus expires, and its duration is specified in the Product’s conditions and restrictions.
For online purchases, you will have the option to activate the Coupon in your Account, or to email or download it, allowing you to send the Coupon to another individual who will receive activation instructions. After activation, additional instructions will be provided on how to obtain a Card or reload a Card.
Online purchases of Gift Cards are non-refundable.
Reward Cards
Affiliate Partners may offer Products that allow for distribution of Coupons as gifts or rewards (e.g., through an employee recognition program). If you receive a Coupon, you must activate it following the instructions provided; its conditions and restrictions will be displayed at activation. After activation, you will receive instructions on how to obtain your Card or reload your Card.
Disbursement Programs
Affiliate Partners may offer Products that allow you to receive Coupons periodically (e.g., through a food benefit program). You may need to join such a program by following the enrollment instructions, and enrollment may need to be verified and approved by the Affiliate Partner before you are eligible to receive Coupons. Hello is not responsible for the admissibility criteria. Once your enrollment is confirmed, you will receive instructions on how to obtain your Card to store the received Coupons, in accordance with the terms and conditions communicated at the time of enrollment.
Membership: The Hello Program allows you to opt-in our Affiliate Partners’ programs, to benefit from their Products and receive communications via their Hello Space or their platform. When you buy a Coupon, activate a Coupon, or activate a Card under an Affiliate Partner program, you automatically become a member of the program of this Affiliate Partner.
If you attempt to establish a membership with an Affiliate Partner in a manner that is not provided within these terms and conditions or if your intended use of the Card is not in accordance with the intended use of our products and services, we reserve the right to opt you out of the membership and/or terminate your Account (see Termination of Account section below).
Deleting your Account: If you decide to delete your Account, please write to us at support@hellocard.ca. A request to delete your Account implicitly implies a waiver on your part of the existing Coupons on your Account and deactivation of any Card linked to your Account. Please consult the Cardholder Agreement to understand what happens to a Card upon deactivation. You may also consult the Privacy Policy, available on the Website, to understand what happens to the data we’ve collected from the use of your Account.
Intellectual Property
All intellectual property on our Sites is owned by us or our licensors, which includes materials protected by copyright, trademark, or patent laws. All trademarks, service marks and trade names are owned, registered and/or licensed by us. All content on our Sites, including but not limited to text, software, code, designs, graphics, photos, sounds, music, videos, applications, interactive features and all other content is a collective work under Canadian and other copyright laws and is the proprietary property of Hello Network Company; All rights reserved.
Acceptable Use
You agree not to use our Sites for any purpose prohibited under this clause or any other unlawful purpose. You agree not to use our Sites in any way that could damage them, the services or the general business of Hello Network. You further agree not to use and/or access our Sites:
No Warranties
Your use of our Sites is at your sole and exclusive risk and any services provided by us are on an "as is" basis. We disclaim any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. We make no warranties that our Sites will meet your needs or that our Sites will be uninterrupted, error-free, or secure. We also make no warranties as to the reliability or accuracy of any information on our Sites or obtained through our services. Any damage that may occur to you, through your computer system or your mobile device, or as a result of loss of your data from your use of our Sites is your sole responsibility and we are not liable for any such damage or loss.
Privacy
Internet communications are subject to interception, loss or alteration and, as consequence, you acknowledge that information or data you provide by electronic means by accessing or using our Sites are not confidential or exclusive, except to the extent required by the Applicable Law.
For more information, please refer to our Privacy Policy, available on the Website.
Service Interruptions
We may need to interrupt your access to our Sites to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to our Sites may be affected by unanticipated or unscheduled downtime, for any reason, but that will have no liability for any damage or loss caused as a result of such downtime.
Termination of Account
We may, in our sole discretion, suspend, restrict or terminate your Account if we deem your behaviour as fraudulent, abusive, unethical, suspicious or otherwise inconsistent with this Agreement, the Cardholder Agreement, or Applicable Law, if we have received a third party complaint which relates to your use or misuse of the Hello Program, or you have been or are in breach of any term or condition of this Agreement or the Cardholder Agreement.
Termination of your Account implicitly results in the deactivation of any Card linked to your Account. Please consult the Cardholder Agreement to understand what happens to a Card upon deactivation. You may also consult the Privacy Policy, available on the Website, to understand what happens to the data we’ve collected from the use of your Account.
Residents of Quebec
The parties attorn to the jurisdiction of Quebec and this Agreement will be construed in accordance with and governed by the laws of the province of Quebec and the laws of Canada applicable therein.
Changes to our Terms and Conditions
We may update or change this Agreement from time to time. When we do, we will revise the updated date at the bottom of this page. We encourage you to frequently check our Website for any changes to stay informed. You acknowledge and agree that it is your responsibility to review this Agreement periodically and become aware of modifications.
This Agreement supersedes all other terms and conditions, oral or written, and all other communications between the parties suggesting additional or different terms. Your continued use of your Account and the Sites following the posting of changes to this Agreement will be deemed your acceptance of those changes.
Section Headings
Section headings in this Agreement are for convenience of reference only and will not govern the interpretation of any provision of this Agreement.
Severability
If any part of this Agreement is found to be invalid or unenforceable by any court or government agency of competent jurisdiction, that invalidity or unenforceability will not affect the remainder of this Agreement, which will survive and be construed as if such invalid or unenforceable part had not been contained herein.
Contacting Us
If you need assistance, or you have questions or concerns, regarding this Agreement, or otherwise need to contact us for any reason, you can contact us at support@hellocard.ca or call our customer service at 1-833-654-3556.
Hello Visa Prepaid Card is issued by Peoples Trust Company pursuant to licence by Visa Int.
*Trademark of Visa International Service Association and used under licence by Peoples Trust Company.
Effective: January 8th 2026