This H&M Gift Card ("Card") is redeemable up to its balance to buy goods or services only at H&M locations in the U.S., Puerto Rico, and Canada, and at hm.com in the U.S. only. Not redeemable for cash except as required by law. Dollar values are in the currency of the country where the card is purchased. Any required rate exchange calculation will be made on the date of your purchase. Not a credit card or debit card. Purchases are deducted from the Card balance. Card will not be replaced or replenished if lost, stolen, or used without authorization. Card is issued by CardFact 25, Inc which is the sole obligor to card owner. Purchase, use or acceptance of card constitutes acceptance of these terms. For balance or for other inquiries, visit www.hm.com or visit any H&M location. Card has no value until activated. No expiration date or service fees.