ASDA Reward Credit Card™ terms and conditions and card benefits

Balance Transfers and Purchases
0% for 3 months applies to purchases made within 3 months of signing your agreement.
The balance transfer fee is 2.99%; once the balance transfer has been processed, this fee cannot be returned, even if you change your mind. You cannot transfer balances from another card with the same retailer branding as the one to which you wish to transfer the balance. The 0% offers may be withdrawn if you fail to make repayments on time and/or exceed your credit limit. At the end of the 0% period, if you haven't paid off the amount of the purchases and/or the balance transfer in full, interest will become payable on the remaining amount at your then current standard purchase rate.  Payments you make will be allocated to balances with a 0% rate before balances with a higher rate; this may mean that your balance will take longer to repay. Only UK storecard and credit card balances may be transferred and all transfers are subject to our approval. You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balance(s) requested will be transferred subject to your available credit limit. A balance transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card provider, until the transfer shows on your account with them. After a balance transfer has been processed, you cannot cancel it and the fee cannot be refunded to you. The fee will be shown on your monthly statement following the transfer. The balance transfers will not be processed until after you have activated the card. We reserve the right to withdraw these offers at any time.

Points
Terms and Conditions apply and will be sent with your card.

Free Home Delivery on Grocery Shopping
Offer only available online at www.ASDA.com . Asda online grocery shopping service is available in selected areas only. All prices are correct at time of going to web. Product range may vary by store. We deliver 10am-9pm Mon-Sat, 11am-6pm Sun, within an agreed two hour window. Delivery times may vary by store and postcode area. Please see website for details. All offers subject to availability.

Balance Cancellation Cover
You can change your mind about taking out Balance Cancellation Cover within 30 days of taking out the cover and you will incur no charges or cancellation fees. To be eligible for the cover you need to be aged 18-64 years and working in the UK in paid employment on a permanent basis or on a fixed term contract for at least 16 hours a week (including self employed). We will not pay if, at the start date, you were aware of any pending unemployment or had reason to believe that it was likely you might become unemployed (this includes fixed term contracts which will not be renewed), you retire, resign or take voluntary redundancy; or the unemployment is a result of misconduct, fraud, dishonesty, participation in an unofficial strike or a lock out. We could pay the minimum payment of 4% of your monthly statement balance after the first 30 days in a row of unemployment or disability and again after 60 days. If you still have not returned to work after 90 days, we could pay off the statement balance in full up to £15,000 subject to your claim being approved. In the event of your death, the balance could be cleared in full (up to £15,000) subject to your claim being approved. 'We' refers to the Insurer – Financial Insurance Company Limited (registered in England number 1515187) and Financial Assurance Company Limited (registered in England number 4873014) whose registered offices are at Building 11, Chiswick Park, Chiswick High Road, London W4 5XR. Financial Insurance Company Limited is authorised and regulated by the Financial Services Authority (registered number 202639). Financial Assurance Company Limited is authorised and regulated by the Financial Services Authority (registered number 229586). Claims are administered by Financial Insurance Group Services Limited (registered in England number 1670707). Financial Insurance Group Services Limited is authorised and regulated by the Financial Services Authority. Its registration number is 313219. A copy of the Policy Summary is available by clicking here. For a copy of the Policy Wording please call 0871 522 5888. Calls may be recorded and monitored for training and security purposes. Calls costs 10p per minute plus network extras. Lines open 8am to 9pm, 7 days a week. If you are not satisfied with the service of either Financial Insurance Company Limited or Financial Assurance Company Limited please call on 0870 400 4870. (Calls may be recorded for training and quality purposes. Daytime calls cost up to 8p plus 6p per minute from BT lines Mon-Fri. Mobile and other providers' charges may vary). Or, write to: The Consumer Affairs Department, Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR. If your complaint cannot be settled in this way, you may be entitled to refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Phone: 0845 080 1800. If you complain it will not affect your legal rights.

Credit, subject to age and status, is provided by Santander Consumer Credit Services Limited. Registered office: 2 Triton Square, Regent’s Place, London NW1 3AN. Registered in England and Wales. Registered number: 3927500. Retailer is ASDA Stores Limited. Registered office: ASDA House, Southbank, Great Wilson Street, Leeds LS11 5AD. Registered in England. Registered number 464777. The information contained on this website is only intended for, and is directed, at those who access it from the UK.

Terms and Conditions of the ASDA Reward Credit Card^TM agreement

KEY FINANCIAL INFORMATION

1. CREDIT LIMIT

We will set your Credit Limit and may change it from time to time. We will tell you your Credit Limit in writing.

2. MINIMUM PAYMENT

2.1 The minimum monthly payment is:

• £5 or 3% of the outstanding balance, whichever is greater; and

• if you exceed your agreed Credit Limit, the amount by which the outstanding balance exceeds the Credit Limit.

However, if the total outstanding balance is less than £5, then the minimum monthly payment due will be the whole of the outstanding balance.

2.2 We exclude Buy Now Pay Later Transactions not yet due for payment when we work out the minimum payment. We will send you statements showing the date for payment. This will be at least 25 days after the statement date. (See also Condition 13 for details of Interest and Payments.)

3. APR

The APR for your Agreement is 24.8% (variable).

OTHER FINANCIAL INFORMATION

4. INTEREST RATES

4.1 We will charge an introductory fixed rate of 0% p.a. on all Retail Purchases for the first 3 months after you sign this Agreement and an introductory fixed rate of 0% p.a. for 12 months from the date of the Balance Transfer on any Balance Transfers made in the first 6 weeks after you sign this Agreement.

4.2 Apart from this introductory offer, we will charge the following interest rates:

• 25.555% p.a. for Cash Transactions; and

• 22.320% p.a. for Retail Purchases and all other amounts charged to your Account except Special Transactions made after this Agreement is entered into.

4.3 We will not charge interest on any of the charges set out in Condition 7.1 which are added to your Account.

4.4 We will tell you the interest rate, Promotional Period and the deposit payable (if any) for Special Transactions made after this Agreement is entered into before you make the Transaction. The standard rate for the relevant types of Transaction will apply to all Special Transactions after the end of the Promotional Period or if you break this Agreement (see Condition 13.3).

4.5 We work out interest on Retail Purchases (excluding purchases on which no interest is payable) on a daily basis from the date they are added to the Account. If you did not pay off your previous outstanding balance in full by your previous payment due date, we work out the interest that accrues between the date they are added to the Account and the first statement date and add it to your Account on the first statement date. However, if you did pay off your previous outstanding balance in full by your previous payment due date, we defer all interest that accrues between the date the purchase is added to the Account and the first statement date and deal with it as follows:

•  If you pay your outstanding balance in full by the payment due date, we waive the deferred interest and do not add it to your Account.

•  If you do not pay your outstanding balance in full by the payment due date, we add the deferred interest to your Account at your next statement date

4.6 We charge interest on all other Transactions (excluding Transactions on which no interest is payable) and on all other amounts from the date they are added to the Account. We work out interest on a daily basis and charge it to the Account on each statement date. We charge interest on interest that has been added to your Account.

4.7 Apart from interest rates which are described as fixed, we can vary the interest rates and any charges we make now or in the future under Condition 20. The APR does not take these variations into account.

5. TOTAL CHARGE FOR CREDIT

If you use your Card for a Retail Purchase of £1,500 and then repay it in 12 equal monthly instalments the total charge for credit would be interest of £187.48.

6. PAYMENTS

6.1 We will apply payments into the Account in the following order:

(a) first, in payment of any Insurance premiums, interest, charges or fees (other than fees charged for non-Sterling Transactions) (in that order);

(b) next in repayment of any Balance Transfers (those with the lower rates being paid before those with higher rates);

(c) next in repayment of Retail Purchases (in the order in which they were debited to the Account);

(d) then in repayment of Cash Transactions (those with lower rates being paid before those with higher rates);

(e) finally, in repayment of any Buy Now Pay Later Transactions (in the order in which they were debited to the Account).

6.2 Fees for a non-Sterling Transaction will be repaid in the same place in the order set out above as the Transaction to which they relate. If Special Transactions are repaid in a different order, we will tell you before you make the Special Transaction. In all cases, Transactions shown on a statement will be repaid before those made since the last statement.

KEY INFORMATION

7. CHARGES

7.1 We may make the following charges for administering your Account:

• £12 if the minimum monthly payment does not reach us on or before the payment due date;

• £12 each time a cheque, Direct Debit or other payment request is not paid when first presented to, or is recalled by, the relevant financial institution;

• £12 each time that you exceed the Credit Limit or Cash Limit;

• £25 if you do not inform us of a change of your details in accordance with Condition 15 and we have to trace you.

7.2 You must pay the amount of any other losses and reasonable direct costs which we incur as a result of your breach of this Agreement. These may include but are not limited to, costs associated with finding, notifying or contacting you about the breach, and enforcing payment of any amounts due under the Agreement.

7.3 We may charge for Cash Transactions, Balance Transfers and Transactions made in a currency other than Sterling. These and other charges are set out in Condition 9 and 15.2.

MISSING PAYMENTS

Missing payments could have severe consequences and make obtaining credit more difficult.

THEFT, LOSS OR MISUSE OF CARD

If your Card is lost, stolen or misused by someone without your permission, you may have to pay up to £50 of any loss to us. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable to us for losses which take place after you have told us about the theft, etc. as long as you confirm this in writing within seven days.

IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order. The Act also gives you a number of rights:

1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.

2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan, you may have a right to sue the supplier, us or both.

3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.

ADDITIONAL CONDITIONS

8. DEFINITIONS

In these conditions some words have particular meanings. These are set out below:

"Account" means the account opened by us in your name that records the amount you owe us under this Agreement.

"Agreement" means this Agreement signed by you as varied from time to time.

"Balance Transfer" means the transfer to the Account of an amount you owe another lender in the United Kingdom.

"Buy Now Pay Later Transaction" means a Transaction with a Promotional Period during which

(a) we do not charge interest and

(b) you do not need to make any repayments.

"Card" means any card issued by us for use in connection with the Account.

"Cash Limit" means the maximum amount you may borrow at any time for Cash Transactions.

"Cash Transaction" means a cash loan we make when:

(a) you ask us to transfer cash directly into another bank (including deposit or savings) account nominated by you;

(b) you use the Card or the Card number to obtain foreign currency, travellers cheques and/or money orders or cash from a cash machine (or ATM) or over the counter at a bank or other cash provider or from point of sale at the Main Supplier or members of the Retailer Group;

(c) you use a Convenience Cheque to make a payment to a third party; or

(d) you use your Card for Gambling.

"Convenience Cheque" means a cheque we may give you to use for making payments on the Account to others.

"Credit Limit" means the maximum amount you may borrow on the Account at any time.

"CRA" means a credit reference agency.

"FPA" means a fraud prevention agency.

"Gambling" means a transaction that we recognise as having been made at an establishment, or on an internet website, where gambling activities are carried out (including internet gambling and the purchase of lottery tickets) whether or not the purpose of that transaction is a gambling activity.

"Insurance" means any insurance products which we sell to you to protect your payments under this Agreement or your Retail Purchases.

"Main Supplier" means the retailer, practice or person (if any) named on the face of the Card.

"Pay No Interest Transaction" means a Transaction which we do not charge interest on for a Promotional Period.

"PIN" means any personal identification number for use with the Card.

"Promotional Period" means the period we tell you before you make a Special Transaction during which preferential terms will apply.

"Retailer Group" means the Main Supplier and each other company, practice or person (if any) in the same group.

"Retail Purchase" means a purchase of goods or services from a Supplier using a Card or Card number.

"Santander Group" means Banco Santander S.A. and any subsidiary, or other company which is associated or affiliated with it or any such subsidiary in any country, including Santander Consumer Credit Services Limited.

"Special Transaction" means a Transaction on preferential terms for a Promotional Period, including a Buy Now Pay Later Transaction or a Pay No Interest Transaction.

"Supplier" means any person or company which accepts the Card (or Card number) as payment.

"Transaction" means a Balance Transfer, Cash Transaction or Retail Purchase.

9. THE CARD AND THE ACCOUNT

9.1 We will put on the Account all Transactions and all other amounts you have to pay us under this Agreement. You give your consent to Transactions by using your Card and PIN (or by signing a voucher) or, where the Transaction is made without you being present, for example on the internet or by phone, by giving the Card number and other details requested by the person you are paying (you must never provide your PIN or other security details to a third party) or by using your Card and PIN at an ATM. You may give a continuous payment authority to a third party which allows them to continue to take payments from your Account until you tell them to cancel it.

9.2 The amount you owe us will be reduced by all cleared payments made into the Account and any refund due to you from us or from a Supplier who has sent us a properly completed refund voucher for a Transaction.

9.3 You may use the Card and the Account for Retail Purchases. If the card has a payment scheme logo on it, you may use it to withdraw cash from any cash machine (or ATM) displaying that payment scheme logo. If there is any limit to the total amount of cash which you may withdraw, which may change from time to time, we will let you know what this is. If we tell you that you can you may also use the Account for other types of Cash Transactions (such as purchases with Convenience Cheques), Balance Transfers and Special Transactions. If you use the Account to make a Balance Transfer you should continue to make any payments due to the other lender both before and after the Balance Transfer has been made. If we send you Convenience Cheques you can only use them to make payments in Sterling and you cannot use them to make payments to us or any company in the Santander Group.

9.4 If you use the Card (or Card number) to obtain cash, we charge a fee of 3% (minimum £3.00) on the amount of each Cash Transaction. If Convenience Cheques or Balance Transfers are available on your Account we will tell you the fee for using them when we send the cheques to you or you request the transfer. At the same time, we will tell you the maximum time it will take to carry out your Balance Transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you.

9.5 Where any Transaction or payment to the Account is made in a currency other than Sterling it will be converted to Sterling at a rate of exchange determined by the payment scheme together with our foreign exchange conversion fee of 2.75% on the day before the Transaction or payment is processed. This may not be the same as the exchange rate on the Transaction date or the date that the payment is made as exchange rates vary on a daily basis. Details of the rate used and of any charges will be set out in your Statement. You may access information about the exchange rates we use by calling us on 0208 181 0000. Calls may be recorded and monitored for training and security purposes.

9.6 You must not go over your Credit Limit or your Cash Limit (if any) at any time. If you do go over your Credit Limit you must pay us the excess immediately. We will automatically reduce your Credit Limit to £250 if you do not use your Card for at least 11 months in a row. If you start reusing your Card, you can ask us to consider setting a higher limit but we will have to carry out a credit search. When a Supplier asks us to authorise a Transaction, we take other Transactions we have authorised into account when working out whether you have gone over your Credit Limit or Cash Limit.

9.7 If your Card has a payment scheme logo on it, it can be used at all Suppliers and cash machines displaying that logo. Cards without a payment scheme logo will normally be accepted by the Main Supplier and other members of the Retailer Group which we tell you, but not elsewhere.

9.8 If we give you a Card without a payment scheme logo to begin with, we may replace it in the future with a Card with a payment scheme logo, unless you have asked us not to. We may provide a Card which displays a different payment scheme logo or another logo associated with a payment scheme as a replacement Card as long as we reasonably think you will get the same or a better service with that Card. For operational reasons we may change Card and Account numbers at any time, including when we issue replacement Cards.

9.9 We will charge you £3 for each copy statement you request from us.

10. CARD AND PIN SECURITY

10.1 You (and each additional cardholder) must :

• make sure each Card is signed as soon as it is received by the named cardholder;

• not allow anyone else to use Cards and Convenience Cheques and must take reasonable steps to make sure they are kept safe;

• not use the Card for any illegal purpose; and

• not tell anyone your PIN (if you have one) but must keep it secure, even when entering it on a keypad to authorise a Transaction.

10.2 Cards and Convenience Cheques belong to us. You must not damage or deface them or interfere with any chip in a Card at any time, except that Cards which have been cancelled or withdrawn or have expired must be destroyed by cutting them into several pieces. We can recall or replace Cards and/or Convenience Cheques or change the Card or Account numbers at any time.

10.3 If a Card or Convenience Cheque is lost or stolen or a Card or PIN is liable to misuse you must immediately telephone us on 0208 181 0000. Calls may be recorded and monitored for training and security purposes. If we ask, you must also write to us within 7 days at Santander Cards, Customer Service Department, P.O. Box 700, Leeds LS99 2BD.

10.4 You will not have to pay for any unauthorised use of a Card, PIN or Convenience Cheque after you have told us that it is lost or stolen or that you think it may be misused but you may have to pay us up to £50 for unauthorised use before then and for all use if you or an additional cardholder have acted fraudulently or were responsible for the misuse, for example by allowing someone else to have the Card. You will not be liable for any use of the Card that you have not authorised by someone other than you or an additional cardholder for a Retail Purchase by post, telephone or internet.

11. ADDITIONAL CARDS

You may ask us in writing to issue a Card and PIN to another person as long as they are eligible for one. You will be responsible for all use of the Card by the additional cardholder (including any use which makes you break this Agreement). You can ask us to cancel an additional Card at any time but you will remain responsible for it until it is returned to us or you have given us notice under Condition 10.3.

12. OUR RIGHT TO LIMIT YOUR USE OF THE ACCOUNT

We may at any time suspend your right to use the Card or the Account where we reasonably consider that this is necessary because of reasons relating to:

•  the security of your Card or Account;

•  suspected unauthorised or fraudulent use of the  Card or the Account or;

•  a significantly increased risk that you will not be able to repay us.

We may refuse to carry out a Transaction if:

•  this would mean you would exceed your Credit Limit or Cash Limit;

•  there is any threat to the security of your Card or Account

•  you have reported your Card as lost or stolen

•  we are required to do so because of any related legal, regulatory and fraud prevention purposes;

•  the Transaction appears unusual compared to your normal spending pattern; or

•  in the case of Balance Transfers your instructions are unclear or incorrect.

You can contact us to find out why we have refused to carry out a Transaction. (We may make a charge for notifying you of any such refusal where this is reasonably justified).

13. INTEREST AND PAYMENTS

13.1 You must make at least the minimum monthly payment each month. We will treat any payment you make (or part of it) as paying off any arrears on the Account first before treating it as the minimum monthly payment due on the Account. If you pay us more than you owe us, we will not pay interest on the credit we hold for you but it will reduce the amount you have to pay us in the next month.

13.2 We may at any time waive the whole or any part of any interest in respect of any amount charged to the Account. Occasionally we may also tell you that you can take a payment holiday. If you do so, we will continue to charge interest on the full balance of the Account as normal. Please note that interest will be charged on interest that has been put on the Account but not paid.

13.3 If you go over the Credit Limit in any month or fail to keep up-to-date with your payments (including paying at least the minimum monthly payment) or if you regularly or seriously break this Agreement, we may withdraw the benefits provided by any Special Transaction which you would otherwise have received for the rest of the Promotional Period or we may withdraw the entire benefit provided by any introductory offer for the rest of the introductory offer period.

13.4 As we process payments automatically, we may accept partial payments marked "payment in full" or other similar language without losing our right to claim full payment.

14. STATEMENTS

14.1 We will send you a statement each month that there is a balance on the Account showing all amounts put on the Account or paid to us in the period covered by the statement, the minimum monthly payment and the due date for payment. If for any reason we are unable to send you a statement you will still have to pay any interest.

14.2 Statements will initially be sent to the most recent postal address we have for you. We may be able to provide statements online in the future. You agree that, if this facility becomes available on your Account, we may make your statements available (in pdf or html format, or some other printable and/or downloadable format) via the secure customer area at such website address as we notify you in writing from time to time. We will send you full details as and when this facility becomes available. You will be able to continue to receive paper statements by contacting our Customer Service team using the address or telephone number given in Condition 10 or in your statement.

15. NOTICES

15.1 We will send statements and notices to the most recent address or email address we hold for you. You must tell us as soon as possible if you change your address or your email address or if you, or an additional cardholder, change your name and confirm any notice in writing if we ask you to do so.

15.2 If we have reasonable grounds for believing that you have changed your address, for example because our correspondence is returned to us, we may instruct agents to trace you. We will charge you our reasonable direct costs in relation to tracing you.

15.3 You must contact us using the address or telephone number given in Condition 10.3 or in statements we send you.

16. USE OF PERSONAL INFORMATION

16.1 Information we hold

We hold the following details about you:

• Personal information, such as your name, address and date of birth;

• Other demographic and lifestyle information (such as permanent residence details, and occupation details);

• Details of your financial transactions;

• Details of the accounts and products you hold and have previously held with us and, if you have told us, which products you have with other providers; and

• Details of when you contact us and when we contact you.

16.2 References to 'Personal Information' include all of the information identified above, whether obtained by us from you, from a Credit Reference Agency (CRA) or Fraud Prevention Agency (FPA), over the internet, from the Main Supplier or by any other means.

16.3 References to 'you' mean the Account holder, plus any additional cardholder.

16.4 We and the Main Supplier regularly share Personal Information about you to manage your Account and to provide services to you as explained below. The Main Supplier may hold this information.

16.5 Please note that for the purposes of maintaining and administering Insurance policies, we may process sensitive Personal Information about you. Sensitive Personal Information includes information relating to:

•  health or medical information;

•  trade union memberships;

•  racial or ethnic origin(s);

•  political opinions;

•  religious beliefs or affiliations;

•  criminal records;

•  driving records; and/or

•  sexual preferences or orientation.

16.6 Sharing your Personal Information

With other organisations We and the Main Supplier will only disclose your Personal Information to other people or organisations as set out in this Condition 16 if:

• you have consented to such disclosure; we are permitted to do so by law; or it is in the public interest to disclose the Personal Information;

• we have retained an external organisation to carry out work or provide a service on our behalf (in such a situation, the external organisation will be contractually bound to use the Personal Information only as permitted by us);

• we are providing products or services in conjunction with another company (of which we will inform you of the identity and the use of your Personal Information by them);

• when we believe that they have products or services which may be of financial benefit to you.

16.7 We reserve the right to disclose your Personal Information in the event of any sale or transfer (or proposed sale or transfer) of our business, rights and/or obligations. We may disclose your Personal Information to possible transferees and their advisors as long as they agree to keep the Personal Information confidential and use it only for the proposed transfer. If the transfer or sale goes ahead, the transferee may use or disclose your Personal Information in the same way as us.

16.8 Operating your Account We, the Main Supplier and other organisations as set out above may process, record, analyse, exchange and use your Personal Information to:

• operate and manage your Account and other related facilities;

• carry out statistical analysis and to check details on applications made by you and others for credit and credit related accounts and facilities;

•  making credit and insurance assessments and to check details on proposals and claims;

• develop and improve products, to form a view of you as an individual and to identify or design products (including products offered by others) that might interest you;

• carry out market research and business analysis;

• carry out audits;

• perform other administrative and operational purposes, including the testing of systems;

• trace debtors;

• recover debt;

• to check details of job applicants and employees and/or

• perform any other reasonable purpose notified to you from time to time.

16.9 Data Security

We will strive at all times to ensure that your Personal Information will always be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate technical and organisational measures to safeguard and secure your Personal Information.

16.10 Crime Prevention, Credit Reference Agencies and Fraud Prevention Agencies

We will use and share your Personal Information with credit reference agencies as explained in the 'Use of Personal Data' information you were given in your application.

In order to identify, prevent and assist in dealing with fraud, money laundering and other crime, we and the Main Supplier may share your Personal Information with other members of the Santander Group, FPAs and other relevant governmental and/or regulatory bodies and this information may be used by us and other organisations as set out in Condition 16.8 above. If false or inaccurate information is provided and fraud is identified, details will be passed to FPAs. Law enforcement agencies may access and use this information. We and other organisations may also access and use from other countries information recorded by FPAs. Please contact us on 0871 522 5146 if you wish to receive details of the relevant FPAs. (Calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras).

16.11 Regulators

We and the Main Supplier will share your Personal Information with regulators or ombudsmen, including taxation and similar authorities, where we are requested by them to do so.

16.12 Your rights to your Personal Information

You and any additional cardholders have a right to access certain personal records we hold about you. This is called a 'subject access request', which you can make by writing to us at Data Subject Access Requests, Capital House 1, Bruntcliffe Way, Leeds, LS27 0JG. A fee of £10 is payable for such requests.

16.13 Overseas transfers

We and the Main Supplier may transfer your Personal Information to countries whose data protection laws are less strict than those applicable in the UK. If we do transfer your Personal Information to any such countries, we will ensure that your Personal Information is:

•  held securely to standards equivalent to the UK; and

•  used only as permitted by us.

16.14 Insurance

We will exchange information about you and your Account with the insurer who provides the product you have chosen for the purposes of:

•  arranging and administering your policy; and

•  underwriting, claims-handling and fraud prevention.

We will also notify insurers of any change in your Personal Information of which you inform us. If you make a claim, we will pass all relevant information to the insurers to help them assess the claim.

16.15 Information about other products and services

If you agree, we, the Main Supplier and members of the Santander Group and the Retailer Group may exchange and use relevant information about you, how you manage your Account and the financial transactions on your Account to give you information about other products and services (including mortgages) provided by the Santander Group, the Retailer Group or by other carefully selected third parties which may be of interest or benefit to you or we may pass information about you to other carefully selected third parties so they may contact you about such products and services. We may continue to do this after your Agreement with us has ended. You may tell us at any time if you change your mind.

17. OUR LIABILITY

17.1 We shall not be responsible if any person refuses to accept any Card or a Convenience Cheque or if we are unable to carry out any of our obligations under this Agreement for reasons that we cannot reasonably control.

17.2 You cannot use a claim against a Supplier as a reason for not making payments to us unless you have a legal right to do so.

17.3 If you dispute any pre-authorised Transaction, you must tell us about this as soon as possible. If the dispute relates to the amount of any Transaction where the amount of the Transaction exceeds the amount that you reasonably expected (other than as a result of exchange rate fluctuations) you must tell us within eight weeks from the date on which the Transaction was put on your Account as you are entitled to a refund. The right to a refund in such cases does not apply where you have given consent to us for the Transaction to be made and information about the Transaction was provided at least four weeks before the date on which payment is due.

18. ENDING THE AGREEMENT AND EARLY PAYMENT

18.1 You may end this Agreement at any time by writing to our Customer Services Department at the address in Condition 10.3 and paying the full amount you owe us. Unless there are exceptional circumstances we will give you at least 30 days' notice if we decide to end this Agreement. You must continue to pay interest on all amounts you owe us even after the Account is terminated or closed.

18.2 We may demand repayment of the full amount you owe us (including any Special Transactions) if:

(a) we find out that our decision to lend to you was based on inaccurate, misleading or incomplete information; or

(b) you break this Agreement regularly or seriously, die, become bankrupt or make a voluntary arrangement with other people you owe money to; or

(c) you have broken the terms of another agreement you have with us and as a result we have given you notice ending that agreement and we have reasonable grounds for thinking that you may not be able to continue making payments under this Agreement.

Before making any demand we will take all the steps we are required to take by law for your protection.

18.3 This Agreement will automatically terminate if you have not used your Card for a period of 11 months and you have paid off the full amount you owe us. In such a case, we will not issue any replacement Card on expiry of your current Card.

18.4 If this Agreement was not signed in a store, you may have extended cancellation rights in certain circumstances. If you do, and you exercise those rights, you will have to repay what we have lent you, and pay all interest and charges applying before cancellation.

18.5 Cards, Convenience Cheques, Card numbers and PINs must not be used after notice to end the Agreement has been given by you or by us and you must return all Cards and Convenience Cheques.

19. TRANSFER OF RIGHTS AND DUTIES

We may transfer any of our rights and duties under this Agreement (including but not limited to our duty to lend to you) to any other person without giving you prior notice.

No such transfer will affect any rights you have under this Agreement, or any of your statutory rights.

20. ALTERATIONS TO AGREEMENT

20.1 We can change your interest rates and charge different rates for different types of Transactions. This may include changes we make to the rate we charge you individually, based on a number of factors such as credit risk and the way you use your Account. We will always give you at least thirty days notice of an interest rate increase. We may change any other fee or charge set out in this Agreement, or introduce new charges. We may also change any other term of this Agreement where the change:

(a) is necessary to make the agreement fairer to you or easier to understand; or

(b) is to correct a genuine mistake; or

(c) is necessary for the introduction of new services which may be of benefit to you or for the development of existing services; or

(d) reflects a change in good banking practice or relevant laws; or

(e) is made so as to implement a voluntary industry code of practice which we have decided to adopt.

We will give you at least 30 days' notice before we make a change unless it is to your advantage, in which case we may make the alteration immediately and tell you about it within 30 days. If a change is to your disadvantage you can write to us within 60 days to close your Account. If you do we will not apply the change before the Agreement ends.

20.2 We will let you know about any changes by post, email or in your statement or by putting notices in newspapers.

21. GENERAL

21.1 If we do not strictly apply our rights under this Agreement at any time, that will not prevent us from doing so later.

21.2 This Agreement, and our dealings with you with a view to entering into this Agreement, is governed by English law. The English courts have non-exclusive jurisdiction for any related disputes. We will only communicate with you in English.

21.3 A Supplier may from time to time offer a loyalty scheme or other benefits. If so they will operate under separate terms and conditions notified to you.

21.4 There may be other taxes or costs, which are not paid through us or charged by us, that you have to pay in connection with this Agreement.

OUR DETAILS AND HOW WE ARE REGULATED

We provide credit and hire products to consumers and are licensed for these and related purposes by the Office of Fair Trading (licence number 498087). We are also authorised by the Financial Services Authority (reference number 403582); are a member of the Finance and Leasing Association (the "FLA"); and subscribe to the Lending Code and the FLA's Lending Code.

Santander Consumer Credit Services Limited is a company registered with the Registrar of Companies for England and Wales, Company No 3927500, Registered Office: 2 Triton Square, Regent’s Place, London NW1 3AN.

COMPLAINTS

If you have a complaint, please write to us at Complaints Department, Santander Cards, Capital House 2, Bruntcliffe Way, Leeds, LS27 0JG. If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to:

• the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. E-mail: enquiries@financial-ombudsman.org.uk. Website: www.financial-ombudsman.org.uk.

If your complaint relates to a store card, you may find it helpful, before you are entitled to go to the Financial Ombudsman Service, to make use of the FLA's conciliation scheme to resolve your complaint. You can write to:

• the FLA's Conciliation and Independent Arbitration Scheme, addressed to The Compliance Manager, Finance & Leasing Association, Imperial House, 15-19 Kingsway London WC2B 6UN. Fax: 020 7420 9600. Email: code@fla.org.uk.