The Gem assets available for download on this site are provided so you can integrate them into your advertising and promotional material.
The key purpose of using these assets are to inform your customers that:
- Gem Visa and Gem CreditLine are accepted in store;
- They could access long term interest deals available in store by applying for a Gem Visa credit card; and
- Gem Visa and Gem CreditLine is a credit facility provided by Latitude Financial Services Limited.
When advertising goods or services using any of our Gem assets:
- Ensure that you comply with the Fair Trading Act and any other relevant legislation;
- Ensure that you comply with all relevant advertising standards as set out by the Commerce Commission, and that you refer to any Commerce Commission Fair Trading Act factsheets
- Do not make any offer to a customer on our behalf or any claim about a Gem Visa and/or Gem CreditLine product (whether expressly or by conduct).
Disclaimer templates for your promotional material
The following are templates for disclaimers/terms and conditions for inclusion into advertising and promotional material where interest free offers are promoted.
|0% p.a. for 6 months on Gem Visa purchases over $250*
||*Credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Gem Visa is provided by Latitude Financial Services Limited.
|XX months interest free on purchases over $XXX*
||Minimum spend $xxx using Gem Visa or Gem CreditLine. Normal credit and lending criteria and fees apply. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayment of 3% of the outstanding monthly balance or $20, whichever is more, will not be sufficient to repay the purchase amount(s) within the promotional period. Prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) applies to any outstanding balance on the expiry of the interest free period. Credit provided by Latitude Financial Services Limited.
|Pay nothing until XX*
||*XX Months Deferred Interest Free available on purchases $XXX and over. From no deposit. Minimum spend $XXX. Normal lending conditions, credit criteria and fees apply. On expiry of the interest free deferred period, the prevailing interest rate (currently 25.99% p.a. Gem Visa/29.95% p.a. Gem CreditLine) will apply to any outstanding balance. Credit provided by Latitude Financial Services Limited.
Please ensure for any POS material you display instore that references Gem Visa or Gem CreditLine, that the full terms and conditions are displayed clearly and near the promotion for your customers to see and understand the relationship between the disclaimer and the offer.
If you require any further information in relation to our Gem credit cards, please visit our websites, Gem Visa or Gem CreditLine, or contact your Programme Manager or Business Development Manager.