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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 refundable or 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 H&M Fashion USA, Inc. which is the sole obligor to card owner; provided, however, that the issuer may assign its obligations with respect to the Card at any time without recourse, in which case such assignee shall become the issuer and sole legal obligor to the card owner. For complete terms and conditions (including arbitration agreement and class action waiver), which are subject to change, or for balance inquiries, visit hm.com or any H&M location. Card has no value until activated. No expiration date or service fees. Purchase, use or acceptance of card constitutes acceptance of these terms.