The five-year gift voucher rule, in the product rather than a footnote.

What the product should make visible

The voucher should identify the issuing business, the issue and expiry dates, the remaining balance, and the terms that applied when it was bought. Electronic access should remain durable enough for the recipient to retrieve that information later.

Partial use

Where a monetary voucher is only partly used, Bronora keeps the remaining value on the same voucher. Every change is recorded as a new ledger entry; the original issue and earlier redemptions remain visible.

Operational reminders

Expiry forecasting belongs in liability reporting. Recipient reminders should remain transactional and should not turn into marketing consent.