Terms & refund policy

The Christmas Phone Club is a savings plan operated by Phone Care @ iKerr. You choose a phone, set a savings target, send a €100 (or £100) deposit by bank transfer in euro or pounds and top up your balance over time. Your balance is credit toward the phone you selected — it is not a loan, credit agreement or interest-bearing account.

Membership begins with a €100 (or £100) bank transfer — euro to our Irish account or pounds to our UK account. After that you can transfer any amount, at any time, until you reach your target. There is no fixed schedule and no penalty for topping up slowly. Every payment is recorded in your dashboard.

Once your balance reaches the agreed target, your phone is ordered and you collect it in store. If the price of the phone has changed by the time you reach your target, we will tell you the difference before ordering — you can pay the balance, choose a different device, or request a refund of your credit.

You can cancel at any time before collecting your phone and request a refund of the balance you have paid, less the €100 / £100 deposit which covers reservation and administration. Refunds are returned by bank transfer to the account you paid from, within 14 days of the request. Once a phone has been ordered against your balance, standard consumer returns law applies to the device instead.

Balances do not expire. If you stop topping up, your credit stays on your account and you can resume whenever you like, or request a refund under section 4.

We store your name, contact details, chosen device and payment history so we can run the club and order the right phone. All payments are made by bank transfer, so we never see or store your card details. You can ask us to correct or delete your data at any time.

Questions about your balance, a refund or your chosen device? Get in touch through our contact page and we will come back to you within two working days.