<!-- Cash Gift Card Terms & Conditions -->
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  <h2 style="color: #cc3333; font-size: 20px; margin-top: 0;">CASH GIFT CARDS TERMS & CONDITIONS ARE 100% MERCHANT RESPONSIBILITY</h2>
  <p>
    Merchants are fully responsible for setting and communicating the terms and conditions of their Cash Gift Cards.
  </p>
  <p style="font-size: 14px; color: #666666;">
    <strong>IE:</strong> No cash back value, promotional value must be used within the expiry date; may not be combined with other offers; not valid on holidays, etc.
  </p>
  <p style="font-size: 14px; color: #999999;">
    <strong>Note:</strong> Cash Gift Card terms rarely require adjustments, but it is the merchant’s sole responsibility to review and define them clearly.
  </p>
</div>
