I don't like what I just read in the Ts and Cs. Basically, if they have a reliability or security issue you incur a loss, you agree they are only liable for a max of $100.

THE RELOADIT SERVICE (WHICH INCLUDES RELOADIT PACKS, THE RELOADIT WEBSITE, THE RELOADIT SAFE, AND THE BILL PAYMENT SERVICE) AND ALL DOCUMENTATION OR CONTENT CONTAINED THEREIN OR PROVIDED THEREWITH ARE PROVIDED “AS IS” AND “WITH ALL FAULTS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND RELATED TO THE BILL PAYMENT SERVICE, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, WE DO NOT MAKE ANY WARRANTY OR REPRESENTATION REGARDING THE QUALITY, RELIABILITY, TIMELINESS OR SECURITY OF THE RELOADIT SERVICE. WE WILL NOT BE LIABLE TO YOU OR TO ANY OTHER PERSON CLAIMING THROUGH YOU FOR ANY INDIRECT, CONSEQUENTIAL, OR SPECIAL DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ADDITION, OUR LIABILITY FOR ANY AND ALL DAMAGES, LOSSES, CAUSES OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO US, IF ANY, OR $100 DOLLARS, WHICHEVER IS LESS. YOU AGREE TO INDEMNIFY US FOR ALL LOSSES, DAMAGES, LIABILITIES AND COSTS WE INCUR IN CONNECTION WITH ANY CLAIM ARISING OUT OF OR RELATED TO YOUR USE OF THE RELOADIT SERVICE.