Terms: Card balance can only be used to buy goods or services under the "Shopping Tab" at Overstock.com and O.biz. Card balance cannot be used to purchase other gift cards, cellular phone plans or for international orders. Not redeemable for cash in New Jersey, or in any other state unless required by law. Not a credit or debit card. Not reloadable. Safeguard the card - it will not be replaced or replenished if lost, stolen or used without authorization. CardFact V, Inc. is the card issuer and sole obligor to card owner. CardFact may delegate its issuer obligations to an assignee, without recourse. If delegated, the assignee, and not CardFact, will be the sole obligor to card owner. For complete terms, balance and other inquiries, visit Overstock.com or call 800-843-2446. Purchase, use or acceptance of card constitutes acceptance of these terms.