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Glede Terms & Conditions

Table of content

1. Acceptance of Terms & Conditions

1.1 This Platform is operated by Glede Norway AS and its related entities or body corporates (“us”, “we” and “our”). Our Platform is located on the app stores and on the web via the domain

1.2 Your use of this Platform is subject to these terms of use (“Terms & Conditions”). The Terms & Conditions constitute a binding legal agreement between you and us, and your continued use of the Platform constitutes your acceptance and acknowledgement of these Terms & Conditions, our Privacy Policy, and any other policy displayed on the Platform, all of which constitute a part of the Terms & Conditions. If you do not agree to the Terms & Conditions, you must not use the Platform.

1.3 Any time you visit the Platform or use any of the features on the Platform, you are taken to accept these Terms & Conditions.

1.4 We may amend or modify the Platform, the Terms & Conditions and/or the Privacy Policy at our sole discretion and at any time. Any amendments are effective immediately after publication on the Platform. Your continued use of the Platform indicates your continued acceptance of the Terms & Conditions as modified.

1.5 These Terms & Conditions will prevail over any other terms or agreement between you and us.

2. Definitions and Interpretation


2.1 In these Terms & Conditions:

Account means the account of the Glede Receiver, which is a prepaid reloadable Mastercard debit card topped up at the time of usage, based on the available amount.

Copyright Act means the Copyright Act 1968 (Cth) as amended from time to time.

Maximum Value means the maximum value per Glede Gift sent by a User on the Platform cannot exceed NOK 1500.00, unless a user completes a Know Your Customer (KYC) then the maximum value is NOK 9999.00.

Minimum Value means the minimum value per Glede Gift sent by a User on the Platform is NOK 100.00.

Payment Provider means Stripe or invoice for business.

Platform means the websites located at, the mobile application, and any service offered under the name “” and/or “Glede Norway”.

Refund Fee means a fee of 20% of the total value of each Glede Gift or total value of an order. All remaining value below 20% of the total value is non-refundable.

Privacy Policy means our privacy policy available here.

Order means multiple Glede Gifts.

Glede Gift means a gift through the Platform or an order through the Plattform (multiple gifts) made by a Glede Sender to a Glede Receiver.

Glede Business Sender means a Glede Gift to one or more persons by either uploading a CSV file and/or manually inserting each Glede Receiver with the Glede Receiver’s name, mobile number, and email address.

Glede receiver means a person who is sent a glede by a Glede Sender.

Glede Sender means a person who uses the Platform to send a Glede Gift to a Glede Receiver.

Glede Business means the website version of the Platform where a Glede Gift is sent from

Glede Business Account means the account of the Glede Receiver, which is a prepaid Mastercard debit card topped up by the Glede Gifts, which Account is a personal account, or an Account created on behalf of a company.

Terms & Conditions means these Terms & Conditions which include the Privacy Policy.

Total Transaction Value means a total transaction value not exceeding NOK 500,000.00 when using Glede Business, with the Minimum Value and Maximum Value applying per Glede Gift. The Total Transaction Value is only applicable to Glede Gift sent for Glede Business.

Uploaded Content means any content whatsoever that you upload to the Platform, including but not limited to any descriptions, reviews, usage data, feedback, comments, chats, and media.

User means any person visiting or using the Platform whatsoever, regardless of whether registered or unregistered.

Warranties mean any warranties, conditions, terms, representations, statements, and promises of whatever nature, whether express or implied.

We, we, us, our means Glede Norway AS and its related entities or body corporates.

You or you mean any person, corporation, or other body corporate, partnership, trust, or association and any governmental agency and that person's personal representatives, successors, permitted assigns, substitutes, executors, and administrators who use or accesses the Platform, including any User.


2.2 In these Terms & Conditions, the following rules of interpretation apply unless the context requires otherwise:

  • headings are for reference purposes only and in no way define, limit or describe the scope or extent of any provision in these Terms & Conditions;
  • where any word or phrase is defined, any other part of speech or other grammatical forms of that word or phrase has a cognate meaning;
  • a reference to a document (including these Terms & Conditions) is a reference to that document (including any schedules and annexures) as amended, consolidated, supplemented, novated or replaced;
  • an expression importing a natural person includes any individual, corporation, or other body corporate, partnership, trust or association and any governmental agency and that person's personal representatives, successors, permitted assigns, substitutes, executors, and administrators;
  • a reference to writing includes any communication sent by post, facsimile, or email;
  • a reference to time refers to the time in Oslo, Norway and time is of the essence;
  • all monetary amounts are in Norwegian currency (NOK);
  • the word “month” means calendar month and the word “year” means 12 calendar months;
  • the meaning of general words is not limited by specific examples introduced by “include”, “includes”, "including", "for example", "in particular", “such as” or similar expressions;
  • a reference to a “party” is a reference to a party to these Terms & Conditions, and a reference to a “third party” is a reference to a person that is not a party to these Terms & Conditions;
  • a reference to anything is a reference to the whole and each part of it;
  • a reference to a group of persons is a reference to all of them collectively and to each of them individually;
  • words in the singular include the plural and vice versa; and a reference to one gender includes a reference to the other genders.

3. Preconditions to use

3.1 Access to and use of this Platform is subject to you being at least 18 years old and having the legal capacity to enter into binding contracts. Accordingly, should Glede Norway AS suffer any damage or other losses as a result of a transaction entered into by a minor, we reserve the right to seek compensation for such losses from the minor’s parents or guardians. We may, in our sole discretion, refuse to offer our services including the sale of a Glede Gift via our Platform to any person or entity and we may change our eligibility criteria at any time. By using the Platform you warrant the above to us. If the above conditions are not satisfied, please cease using the Platform immediately.

3.2 The Platform’s mobile app only operates on iOS 11 and higher and Android 23 and higher. Glede Business is operative on the most current versions of popular web browsers. If for any reason you are unable to access Glede Business from the Website, we recommend updating your browser.

4. Registration

4.1 You will be required to be a registered member to access certain features of the Platform.

4.2 When you register and activate your account, you will provide us with personal information such as your name and email address, and other personal details. You must ensure that this information is accurate and current. We will handle all personal information we collect in accordance with our Privacy Policy.

4.3 We may also require you to provide additional information in order for us to meet “Know Your Customer” obligations. You must comply with any such request by us.

4.4 You are responsible for keeping your account secure and are responsible for all use and activity carried out under your account. You must not share your account credentials or give access to your account with any third party. We do not authorise anyone to use the Platform on your behalf, and we will not be liable for any loss or damage arising from any kind of unauthorised activity that takes place under your account.

4.5 When you register and activate your Glede Business Account for the purposes of using Glede Business, in addition to complying with clause 4.1 to clause 4.4 above, you will need to email to obtain login details. For Glede Norway AS to create a Glede Business Account, you will be required to provide the name of the company, the company administrator email address, the company's organization number, and the full name, email address and mobile number of the individual responsible for using the Platform.

4.6 You must not impersonate some other individual, business or company. In case you try to present yourself as another individual or company, your account may be suspended, and legal action may be taken against you.

5. Uploaded Content

5.1 Where the Platform allows you to upload any Uploaded Content, you:

  • represent and warrant to us that you have all right, title, interest, and authority in the Uploaded Content;
  • represent and warrant to us that you have the permission to use the name and likeness of each person whose image appears in any Uploaded Content in the manner contemplated by these Terms;
  • represent and warrant to us that the use or exploitation of Uploaded Content will not infringe the rights of any third party (including, but not limited to, intellectual property rights and privacy rights); and
  • agree and undertake to us to pay all amounts which become owing to any person (whether by way of royalty or otherwise) as a result of or in connection with your submission of the Uploaded Content to or via the Platform.

It is your responsibility to back up any of the Uploaded Content to your systems. We do not guarantee that the Platform will always be available at all times. You agree that we can store Uploaded Content on our servers. To the maximum extent permitted by law, you release us and indemnify us from any claim or loss in relation to Uploaded Content being stored on our servers.

6. Your conduct

6.1 In using the Platform, you must:

  • always act courteously and politely with us and any other User;
  • strictly comply with any policy displayed on the Platform;
  • obey all laws whatsoever (including international law), and any company policy or code of conduct or related contract which may apply in respect of your use of the Platform;
  • not take any action that is likely to impose upon the Platform (or our servers, or the servers of our or third-party suppliers) a disproportionately large load;
  • not interfere with the proper working of the Platform or any activities conducted via the Platform, including by using any automated or manual software or process to "crawl", "spider"; or engage in similar conduct in relation to the Platform;
  • except to the extent the Copyright Act allows you to do so, not reverse engineer or otherwise seek to obtain any source code forming part of the Platform;
  • not to do anything or add any Uploaded Content or any Uploaded Content belonging to the User of Glede Business:
  • that may result in you, us, or any other User breaching any law, regulation, rule, code, or other legal obligation;
  • that is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, profane, in breach of confidence, in breach of privacy or harassing;
  • that would bring us, or the Platform into disrepute;
  • that infringes the rights of any person;
  • that you know (or ought reasonably to suspect) is false, misleading, untruthful or inaccurate; or that contains or constitutes unsolicited or unauthorised advertising (including junk mail or spam).

7. General rules applying to Glede Sender & Glede Receiver

7.1 The Platform allows Users to send Glede Gifts or redeem Glede Gifts.

7.2 We reserve the right to specify limits on the amount of an individual Glede Gift, the total amount of Glede Gift made by you in a given period of time, and/or the total amount which a Glede Receiver may hold in their Account at any given time and/or the Total Transaction Value. Such limits and Maximum Values and Minimum Values will be set out on the Platform and are subject to change from time to time at our sole discretion. We may at our sole discretion allow you to exceed such limits provided that you comply with any additional conditions set by us, including without limitation, that you provide us with “Know Your Customer” information.

7.3 Glede Gifts can only be sent to Glede Receiver who hold a Norwegian mobile number or receive a physical Glede card.

7.4 While we endeavor to process Glede Gifts within 10 minutes of payment, we do not guarantee any processing times for Glede Gifts. It may take time for Glede Gifts to appear on a Glede Receiver’s Account. We will not be liable for anything in connection with a Glede Gift’s processing times.

7.5 Any Accounts or individual Glede Gifts which are not used within 3 years may be treated as expired, and we reserve the right to retain the balance of the Account or relevant Glede Gift.

7.6 You irrevocably agree that we are entitled to do all actions that we deem necessary (at our sole discretion) to facilitate, oversee or supervise any Glede Gift or Account. You further agree that we may reverse any Glede Gift or terminate any Account at our sole discretion for any reason, including without limitation if we determine that you or any other relevant User are in breach of these Terms & Conditions or any applicable laws, or because of any suspected fraud or error.

8. Sending Glede Gifts

8.1 A Glede Sender must register on the Platform to send any Glede Gifts.

8.2 Where you act as a Glede Sender by sending a Glede Gift through the Platform, you agree that:

  • you must use our Payment Provider to pay the selected Glede Gift and you agree to all of the Terms & Conditions of the Payment Provider;
  • you irrevocably send the Glede Gift (including all interest and title to it) to the Glede Receiver effective the moment you make the relevant payment. The Glede Gift is non-refundable otherwise than in accordance with these Terms & Conditions;
  • Refunds in cash orders will be made in Glede credits or via another appropriate or legally required method. The Glede credits and tokens will be nullified if Glede detects any abuse of Glede credits or tokens or suspects or detects that Glede credits or tokens have been granted on incorrect grounds. In such cases, Glede shall invoice the amount that was paid using such Glede credits or tokens. Any Glede credits that have been given the Sender for free through discount codes etc. cannot be exchanged to cash.
  • the Glede Gift will be transferred to the Account of the Glede Receiver;
  • you may not cancel or reverse a Glede Gift without our consent, which is at our sole discretion and on a case-by-case basis; and

Notification of the Glede Gift will be sent to the Glede Receiver via SMS or email depending on whether the Glede Sender is a registered User of Glede or Glede Business. If you enter an incorrect number, the Glede Gift may not be received by the Glede Receiver. You are solely responsible for entering the correct mobile telephone number of the Glede Receiver and we exclude any liability in relation to any errors or mistakes made by you.

8.3 Glede Norway AS may in the future, require the User to create a username and password to access your Account. You will be responsible for maintaining the security of your password for this Platform, and Glede Norway AS will not be liable for any loss or damage arising from or in connection with your failure to comply with this security obligation. We will notify you when a password is required. You agree that Glede Norway AS will be entitled to assume that any person using this Platform with your username and password is you. You will be required to notify Glede Norway AS immediately of any known or suspected unauthorised use of any password or any breach of security.

9. Redeeming a Glede Gift

9.1 Glede Receivers must use the link sent to them to activate their Accounts to redeem any Glede Gifts.

9.2 The Account operates as a Virtual Prepaid Mastercard debit card. A Glede Receiver may use the balance of the Account to pay for things as the Glede Receiver sees fit (like any other virtual Mastercard debit card), irrespective of any intention of the Glede Sender or the ‘type’ of Glede Gift chosen by the Glede Sender.

9.3 Where you act as a Glede Receiver by redeeming Glede Gifts through the Platform, you agree and acknowledge that:

  • any purchases made by you using the Account will be deducted from the Account;
  • any unused balance will remain in the Account as a balance;
  • your Account is not a credit facility - if a purchase exceeds the Account balance, you will have to pay the difference with another payment method;
  • your Account is a virtual card, and no physical card will be sent to you;
  • You may only use the Account for purchases in Norway;
  • You cannot “stop payment” on any transaction after it has been completed. If you have a problem with the purchase, or a dispute with the merchant, you must deal directly with the merchant;
  • all transactions (whether by you or someone else) are your responsibility, subject to these Terms & Conditions.

9.4 If a Glede Receiver suspects any unauthorised or fraudulent transactions using their accounts, they should contact us immediately and we may try to facilitate a chargeback, at our sole discretion. Please be aware of clause 14.2.

10. Fees

10.1 This clause 10 applies in relation to Glede Sender only. Glede Receiver does not have to pay us any fees.

10.2 We are entitled to charge the Refund Fee each time a Glede gift is expired and the Glede gift is refunded.

10.3 The Refund Fee is substract from the refund of a Glede Gift when the time of the Glede Gift has expired.

10.4 The Refund Fee is strictly non-refundable unless we determine otherwise, which we may do at our sole discretion and on a case-by-case basis.

10.5 We may charge handling or administration fees for any time spent by our staff or agents, and also including reimbursements for any fees charged by other financial institutions, in instances where we have to attend to your errors or mistakes, or any instances where there are insufficient funds or details are entered incorrectly.

10.6 We reserve the right to implement a new fee or modify an existing fee (including the Platform Fee) for certain current or future features of the Platform. If we implement a new or modified fee, we will give you advanced notice such as by posting changes on our Platform or sending you an email. You agree to pay those fees and any associated taxes for your continued use of the applicable service. Unless otherwise stated, all fees and all transactions are in Norwegian Krone(NOK).

10.7 Unless otherwise expressly stated, all amounts payable through your use of this Platform are expressed to be inclusive of Value added tax (VAT).

11. Promotions and marketing materials

11.1 For certain campaigns, promotions, or contests, additional Terms & Conditions may apply. If you want to participate in such a campaign, promotion, or contest, you need to agree to the relevant Terms & Conditions applicable to that campaign, promotion, or contest. In case of any inconsistency between such Terms & Conditions and these Terms & Conditions, those Terms & Conditions will prevail.

11.2 Where any discounts and/or offers are made available by Glede Norway AS from time to time, you shall be entitled to use such discounts/offers to purchase your Glede Gift in accordance with these Terms & Conditions or as otherwise directed on our Platform.

11.3 Unless otherwise stated, all Promotions apply to Glede Gifts purchased for Glede and Glede Business. Glede Norway AS reserves its rights to implement Promotions for Glede Business, which Promotions do not apply to Glede and vice versa.

11.4 By agreeing to the terms and conditions, Glede has the right to use the company`s logo, name and images in presentations, on the website, and on the Glede platform (application).

12. Intellectual Property Rights

12.1 Except where otherwise indicated or implied by context, we are the sole owners or licensees of all intellectual property comprised in the Platform (including all intellectual property comprised in the Platform content), and nothing in these Terms & Conditions constitutes a transfer of any intellectual property rights in or related to the Platform or Platform content.

12.2 You acknowledge and agree that the Platform and the content contained therein are protected by copyright, trademarks, service marks, patents, design registrations, and other proprietary rights and laws, and you agree to comply with and maintain all copyright notices and other restrictions on content accessed on or via the Platform.

12.3 You must not do anything which breaches or otherwise interferes with our intellectual property rights or the intellectual property rights of any of its third-party licensors. You may not distribute, reproduce, publish, alter, modify or create derivative works from the Platform content without our prior written permission or the relevant third-party licensor or exploit such contents for commercial benefit.

12.4 You acknowledge and agree that damages may not be an adequate remedy for a breach of this clause 12 and that equitable or injunctive relief may be necessary.

12.5 Mastercard is a registered trademark, and the two-circle design is a trademark of Mastercard International Incorporated. The Glede Norway (program name e.g. Perx Reward / Pecan Expense) Prepaid Mastercard is issued by EML Money DAC

pursuant to licence by Mastercard International Inc. The e-money associated with your card is issued by EML Money DAC, authorised by the Central Bank of Ireland under the European Union (Payment Services) Regulations 2018 (Ref C95957). Apple Store, Apple Pay, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

13. Third-party sites

13.1 The Platform may contain links to websites that are owned and operated by third parties. We have no control over these external websites, which are governed by Terms & Conditions and privacy policies independent of us.

13.2 You acknowledge and agree that when you access a third-party website available via a link contained on the Platform:

  • you do so at your own risk and understand that you should review the privacy policy and Terms & Conditions of that website;
  • we are not liable for the content, accuracy, lawfulness, appropriateness, or any other aspect of that third-party website; and you acknowledge and agree that to the full extent permitted by applicable law, we will not be liable for any loss or damage suffered by you or any other person as a result of or in connection with your access or use of any third-party website available via a link on the Platform.

14. Limitation of liability

14.1 To the maximum extent permitted by law, we exclude all Warranties whatsoever unless expressly stated, including but not limited to in relation to any other User of the Platform or any goods or services offered by us.

14.2 You acknowledge that when you use the Platform or the Account in any way, you do so entirely at your own risk and relying on your inquiries and judgement. All risk of loss and title in the Glede Gift passes to the Glede Receiver immediately upon the electronic transmission to the Glede Receiver or to us, whichever is earlier. We exclude any liability arising in connection with you losing access to your Account or any unauthorised access to your Account. You are solely responsible for maintaining the security of your Account. Likewise, a Glede Sender is solely responsible and liable for any activity on their registered account, and the security of their registered account.

14.3 Any Glede Gift is a gift from a Glede Sender to a Glede Receiver and we are not liable or responsible in any way besides facilitating the transfer of the Glede Gift.

14.4 If any User’s computer system is hacked, Glede Business is in no way liable for any theft or loss incurred and will not refund any unauthorised transactions which occurred on the Platform.

14.5 To the extent that any law restricts our right to exclude Warranties under these Terms & Conditions, these Terms & Conditions must be read subject to those provisions and nothing in these Terms & Conditions is intended to alter or restrict the operation of such provisions. If those statutory provisions apply, notwithstanding any other provision of these Terms & Conditions, to the extent that we are entitled to do so, we limit our liability pursuant to such provisions:

(i) in the case of goods:

  • the replacement of the goods or the supply of equivalent goods;
  • the payment of the cost of replacing the goods or of acquiring equivalent goods; and

(ii) in the case of services:

  • the supply of the services again; or
  • the payment of the cost of having the services supplied again.

14.6 Our liability arising in connection with these Terms & Conditions or the Platform is limited as follows:

  • we exclude all liability for consequential, special, indirect, or remote loss, including loss of opportunity or business;
  • our total maximum total liability arising in connection with these Terms & Conditions is capped to the total amount of any Platform Fee relevant to the particular matter;
  • our liability is excluded to the extent that you contributed to the liability;
  • we exclude all liability for anything you have been aware of for longer than six months and you have not commenced a claim; and
  • our liability is subject to your duty to mitigate your loss.

14.7 We provide the Platform on an “as is” and on an “as available” basis without any Warranties as to continuous, uninterrupted, or secure access to the Platform, that its servers are free of computer viruses, bugs, or other harmful components, that defects will be corrected, or that you will not have a disruption or other difficulties in using the Platform.

14.8 If we terminate the Platform or your access to the Platform pursuant to these Terms & Conditions, you release us from all liability, loss, or claims suffered by you as a result of or arising out of such termination.

14.9 All subclauses of this clause 14 are cumulative to one another.

15. Copyright claims

15.1 If you believe that our Platform contains any material that infringes upon any copyright that you hold or control, or that users are directed through a link on this Platform to a third-party website that you believe is infringing upon any copyright that you hold or control, you may send a notification of such alleged infringement to us in writing. Such notification should identify the works that are allegedly being infringed upon and the allegedly infringing material and give particulars of the alleged infringement.

15.2 In response to such a notification, we will give a written notice of a claim of copyright infringement to the provider of the allegedly infringing material. If the provider of that material does not respond to us in writing denying the alleged infringement within 14 days after receipt of that notice, we will remove or block the allegedly infringing material as soon as is reasonably practicable. If the provider of that material responds to us in writing denying the alleged infringement, we will, as soon as is reasonably practicable, send a copy of that response to the original notifying party. If the original notifying party does not, within a further 14 days, file an action seeking a court order against the provider of the allegedly infringing material, we may restore any removed or blocked material at our discretion. If the original notifying party files such a legal action, we will remove or block the allegedly infringing material pending the resolution of that legal action.

16. Release and Indemnity

16.1 To the maximum extent permitted by law, you agree to release the Released Parties from all Loss or Claims arising out of or in any way connected with any Relevant Matter. You further waive any and all rights and benefits otherwise conferred by any statutory or non-statutory law of any jurisdiction that would purport to limit the scope of a release or waiver.

16.2 To the maximum extent permitted by law, you agree to indemnify, defend and hold harmless the Released Parties from any Loss or Claims arising out of or in any way connected with any Relevant Matter.

16.3 In this clause:

  • Claim means a claim, action, proceeding, or demand made against a person concerned, however, it arises and whether it is present or future, fixed or unascertained, actual or contingent.
  • Loss means damage, loss, cost, expense or liability incurred by the person concerned however arising, including without limitation penalties, fines, and interest and including those which are prospective, or contingent and those the amount of which for the time being is not ascertained or ascertainable.
  • Released Parties means us and our officers, directors, shareholders, agents, employees, consultants, associates, affiliates, subsidiaries, related parties, related body corporates, sponsors, and other third-party partners.
  • Relevant Matter means anything in connection with:
  • any Glede Gift;
  • any damage to person, property, personal injury, or death;
  • your breach of these Terms & Conditions;
  • any matter for which we have purported to disclaim or exclude liability under these Terms & Conditions;
  • your use, misuse, or abuse of the Platform; and your breach or failure to observe any applicable law.

17. Termination

17.1 You acknowledge and agree that:

  • we may terminate your access to the Platform at any time without giving any explanation;
  • we may terminate these Terms & Conditions or any Booking Agreement immediately by notice to you in writing if you are deemed to breach these Terms & Conditions or associated policies in any way, in our sole discretion; and termination of these Terms & Conditions, a Booking Agreement or your access to the Platform does not release you from any of your obligations and liabilities that may have arisen or been incurred prior to the date of such termination.

18. Refund Policy

Glede Norway AS will be notified as soon as a Glede Gift is purchased and every transaction and purchase is duly recorded by Glede Norway AS. Glede Norway AS has a strict no-refund policy and will not reimburse a Glede Sender or a Glede Receiver for any Glede Gift for any reason whatsoever, including but not limited to, incorrect or accidental purchases. If for any reason there is an error with your Glede Gift purchase, or you believe a Glede Gift has not been sent or received accordingly, you are required to contact Glede Norway AS for assistance by email Once a Glede Gift has been received by a Glede Receiver, Glede Norway As is no longer liable to the Glede Sender.

19. General

19.1 You must not assign, sublicense or otherwise deal in any other way with any of your rights under these Terms & Conditions.

19.2 If a provision of these Terms & Conditions is invalid or unenforceable it is to be read down or severed to the extent necessary without affecting the validity or enforceability of the remaining provisions.

19.3 These Terms & Conditions are governed by the laws of Norwegian Law and each party submits to the exclusive jurisdiction of the courts of Oslo District Court as the agreed legal venue.

19.4 Any waiver of any term on these Terms & Conditions by us can only be done in express writing. Any failure on our part to enforce a term does not constitute a waiver and we reserve the right in relation to all breaches unless expressly stated otherwise.

19.5 The contents of these Terms & Conditions constitute the entire agreement between the parties and supersede any prior negotiations, representations, understandings, or arrangements made between the parties regarding the subject matter of this agreement, whether orally or in writing.

19.6 Force majeure:  To the maximum extent permitted by law, and without limiting any other provision of these Terms & Conditions, Glede Norway AS excludes liability for any delay in performing any of its obligations under these Terms & Conditions where such delay is caused by circumstances beyond the reasonable control of Glede Norway AS, and Glede Norway AS shall be entitled to a reasonable extension of time for the performance of such obligations.19.7

19.7 Interruptions While we will always strive to ensure our Platform we provide are operational, there are times when there could be unexpected temporary interruptions, including by way of example, maintenance, dealing with technical issues, testing, and the addition of updates to reflect changes to the law or regulatory requirements. Glede Norway AS, reserves the right, at any time to modify or discontinue, either temporarily or permanently, any functions and features of our Platform, without any liability to you.

19.8 A provision of these Terms & Conditions which can and is intended to operate after its conclusion will remain in full force and effect – including without limitation clauses 5, 12, 14, 15, 16 and all indemnities, disclaimers, and releases.

19.9 We reserve the right to change these Terms & Conditions at any time without notice. Any changes to the Terms & Conditions can be viewed at

Last updated: 23.11.2022

Glede Pays-enabled Digital Reloadable Prepaid Mastercard® Terms and Conditions

These Terms and Conditions apply to the Glede Digital Reloadable Mastercard® (“the Mastercard”). The Glede Mastercard is issued by EML Money DAC

pursuant to licence by Mastercard International Inc. The e-money associated with your card is issued by EML Money DAC, authorised by the Central Bank of Ireland under the European Union (Payment Services) Regulations 2018 (Ref C95957). Glede Norway AS (organisation number: 925 171 387) has been authorised by EML to distribute the Mastercard. When we refer to

the Pays, we are referring to Apple Pay, Google Pay, or Samsung Pay, and further, when we refer to a Device, we are referring to a mobile or wearable device that allows you to store or otherwise add a Card to the Device. In these card terms and conditions, we, us or our means EML and Glede Norway AS; and

you, your or user means the Cardholder.

1. By activating, storing the Mastercard on your Device, or using the Mastercard, you affirm you have read and agree to be bound by these Terms and Conditions.

2. The Mastercard is a Pays-enabled Digital Prepaid Mastercard that can be used for purchasing goods and services where Mastercard prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions).

3. The Mastercard must be activated prior to use and at least one (1) week prior to expiry. To activate the Mastercard you must follow the activation steps in the Glede Norway AS application.

4. The Mastercard is not a credit card and nor is it linked to a deposit account.

5. There is no interest payable to you on the Available Balance on the Mastercard;

6. The Mastercard is reloadable. The Mastercard cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees.

7. You must use your PIN to complete transactions with physical Glede cards.

8. The Mastercard does not have cash-out capability. You may not use the Mastercard to withdraw cash.

9. The Mastercard is valid until the expiry date shown within your digital wallet and cannot be used after expiry. At expiry, the remaining available balance may be transferred to a new card at the request of the Cardholder. By opting for a new card issue, Cardholder will incur a renewal card fee as provided under the Fees and Charges section below.

10. To check the expiry date, go to the Glede Norway application.

11. The Mastercard cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular installment payments. Use of the Mastercard may be declined by some merchants (such as gambling merchants or merchants who choose not to accept the Mastercard).

12. In the event the available amount on the Mastercard is less than the purchase amount, some Merchants may not allow the Cardholder to combine multiple payment types (such as cash, check, or another payment card) to complete the Transaction.

13. We charge a service fee of 15% on the total of your Glede Gift for using Mastercard. For example, if you send a Glede Gift to someone a coffee for NOK 10, we'll add on a service fee of NOK 1,50. However, to the extent permitted by law, some merchants may charge you for using the Mastercard, and such fees may be deducted from the balance of your Mastercard at the time of the transaction.

14. You are responsible for all transactions on the Mastercard. If you notice any error relating to the Mastercard, you should notify Glede Customer Support immediately by telephone or email.

15. You are responsible for checking your transaction history, knowing the available balance and date of expiry for the Mastercard, all of which will be available to you on your Device.

16. Except to the extent required by law, we are not liable for any loss or damage arising out of or in any way related to the use of the Mastercard, including:

  1. if authorisation is declined for any transaction, except where the authorisation has been declined because of an act or omission on our part;
  2. if you have other cards stored on your Device for payment and you inadvertently use the Mastercard when using your Device as a payment method;
  3. for the use, functionality, or availability of a Device;
  4. the availability of merchants who allow the use of the Device as payment;
  5. reduced levels of service caused by the failure of third-party communications and network providers (except to the extent deemed liable under the ePayments Code); or
  6. if your Device security measures are compromised, you allow others access to your Device or to otherwise circumvent the security measures of your Device.

17. We are not liable in any way if your Mastercard is lost or stolen, or if funds are misappropriated. If your card is lost or stolen please visit to contact us for further assistance.

18. Our liability for breach of a condition or warranty implied by law and which cannot be excluded is limited to either the resupply of the services or the payment of the cost of having the services supplied again.

19. If you have a problem with a purchase made with the Mastercard, or a dispute with a merchant, you must deal directly with the merchant involved. If you have a problem with your Mastercard, please contact Glede Customer Support at during business hours or you can send an email to

20. We may restrict or stop the use of the Mastercard if suspicious activities are noticed.

Card limits

The following table illustrates the transaction and load limits applicable to the Mastercard.

Merchants or other providers of facilities may impose additional limits.

(The Maximum Available Balance is the maximum monetary value that may be loaded at any

given time. The maximum available balance is not to be confused with or reflective of the actual

balance. The actual balance is the monetary value available for use.)


Fees and Charges

All fees will be deducted directly from the available Card balance as set out below.


21. A 2.99% foreign exchange conversion fee applies to transactions in any currency other than the Norwegian Kroner(NOK) and is calculated on the Norwegian Kroner(NOK) transaction amount. This will be included in the total transaction amount debited to the Mastercard.

22. Any refunds on Mastercard transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Mastercard, cash refund or in-store credit. If the Mastercard expires, or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Mastercard) then you will have no access to those funds.

23. If you have a query about the Mastercard, you should initially contact Glede Norway AS by emailing Client Services at during business hours. If you have a complaint relating to the Mastercard, please contact EML at any of the following:

Phone: Cardholder Support Client Support + 46 (0)8 22 50 30 from 10am – 3pm Monday to Friday (Norwegian time)


24. Information will be disclosed to third parties about the Mastercard, or transactions made with the Mastercard, whenever allowed by law, and also where necessary to operate the Mastercard and process transactions. A full privacy policy can be viewed at

25. We reserve the right to change these Terms and Conditions at any time. Any changes to the Terms and Conditions can be viewed at