ASDA Reward Credit Card™ terms and conditions and card benefits
*Balance Transfers and Purchases
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 The 0% offers may be withdrawn if you fail to make repayments on time and/or exceed your credit limit.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. 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.
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. Asda Stores Limited acts as a credit intermediary and only offers credit products for Santander Consumer Credit Services Limited. 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 CardTM agreement
1. DURATION OF AGREEMENT
This agreement has no fixed term. It will continue indefinitely unless and until it is terminated by you or us in accordance with Condition 21.
2. CREDIT LIMIT
Your Credit Limit will be determined by us from time to time under the agreement and notice of it will be given by us to you. We will tell you what it is when we send you your Card. We may increase or reduce the Credit Limit from time to time. If we do, we will tell you the new limit in writing and give you at least 30 days notice of any increase. You may notify us that you do not want us to increase your Credit Limit or ask us to change your Credit Limit by calling Customer Services.
3. USE OF YOUR CARD
Your Card and Account are for your personal use only. You may use your Card for the duration of the agreement to make Purchases and to withdraw cash from any cash machine displaying the payment scheme logo up to your Credit Limit or Cash Limit, as applicable. If we tell you that you can, you may also use the Account for Special Transactions, such as Balance Transfers. You authorise a Transaction by giving your consent by using your Card and PIN or 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 or on behalf of the person you are paying.
4. INTEREST RATES
4.1 Our interest rates are:
The APR is 24.8% variable. The APR and the Total Amount Payable (as described in Condition 5) are calculated on the assumptions that the credit limit is £1200, credit in this sum is immediately drawn down in full for a period of one year for financing Purchases, the interest rate that applies is the Standard Rate for Purchases, the credit will be repaid in 12 equal monthly instalments and that you will not break the terms of the agreement during this period.
4.2 Subject to Conditions 4.3 and 4.9 below, we will charge interest on Purchases and all other Transactions at the relevant Standard Rate set out above. Our Standard Rates are variable in accordance with Condition 20.1.
4.3 Where Introductory and Promotional Rates apply, they will end on the expiry of the relevant promotional offer period set out in the table above or as notified to you, unless you break the terms of the agreement in which case the relevant Standard Rate will apply (see Condition 16.5).
4.4 If you accept a Special Transaction after you have entered into this agreement we will tell you the promotional rate and Promotional Period before you enter into the Transaction.
4.5 We work out interest on Purchases (excluding Purchases on which no interest is payable) on a daily basis from the date they are added to the Account. If you pay in full the outstanding balance shown on your current statement by the payment due date, you will not pay any interest on Purchases shown on your statement. If you pay in full the outstanding balance shown on your current statement by the payment due date but did not pay in full the outstanding balance shown on your previous statement by the payment due date, we will charge interest on each Purchase shown on your previous statement until your payment clears onto your Account.
4.6 We charge interest on all other Transactions (and related fees) and on other amounts (such as the Account fees in Condition 8.2) from the date they are added to the Account until you have repaid the balance on your Account in full.
4.7 We will charge interest on any Balance Transfer Fee and Cash Transactions Fee (and on any unpaid interest) at the rate which applies to that Transaction type. We will always charge interest on any other Account fees at the Standard Rate for Purchases (as shown in the table in Condition 4.1 or as notified to you). We will not charge interest on Default Fees until we have told you we will do so but we will not charge interest on interest on Default Fees.
4.8 We calculate interest on a daily basis and add interest to the Account on the statement date each month. This means that if you do not pay your balance in full, you may pay interest on interest except on Default Fees.
4.9 We may vary the interest rates or any other fees or charges we make now or in the future under Condition 20. We will give you at least 30 days notice in writing of an interest rate increase and 30 days notice in writing of a change to any fees or charges.
5. TOTAL AMOUNT PAYABLE
If you make immediate use of your Card for Purchases of £1200 and then repay the Account balance in 12 equal monthly instalments over the period of one year, the Total Amount Payable would be £1349.98, assuming that there is no change to the interest rate and that you do not break the terms of the agreement.
6. PAYMENTS
Each month you must pay at least the minimum monthly payment set out in your statement before the payment date shown there. This will be about 25 days after your statement date unless we tell you otherwise. The minimum payment will be the sum of (i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit; subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. Your first statement will be issued within 31 days of you using your Card for the first time and your first payment will be due about 25 days after receipt of your first statement.
7. ALLOCATION OF PAYMENTS
If you do not pay the Account balance in full in any month, we will apply your payment to the statemented Transactions as follows:
1) It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2) If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions. If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date.
Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above.
We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.
8. FEES
8.1 We may charge the following Default Fees if you break this agreement:
8.2 We also charge the following Account fees:
8.3 You must pay the amount of any other losses and reasonable direct costs that we incur as a result of you breaking 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 under this agreement.
9. RIGHT OF WITHDRAWAL
You may withdraw from this agreement without stating a reason by writing to us at Santander Consumer Credit Services Limited, Customer Services Department, P.O. Box 700, Leeds, LS99 2BD or telephone Customer Services. You have 14 days from the day after you receive your Card to do this.
If you withdraw from this agreement you will have to repay the full amount that you owe us under the agreement, including any accrued interest, no later than 30 calendar days after the day that you have told us that you want to withdraw. Where you tell us that you want to withdraw, we will let you know how much interest you have to pay and how to make the payment.
10. MISSING PAYMENTS
Missing payments could have severe consequences, including the possibility of legal proceedings being brought against you and making obtaining credit more difficult.
11. DEFINITIONS
In these terms and conditions some words have particular meanings. These are set out below:
"Santander Group"means Banco Santander, S.A., its subsidiaries, both direct and indirect, including Santander UK plc, Santander Cards Limited, Santander Consumer Credit Services Limited and Santander Cards UK Limited.
"Account" means the account opened by us in your name that records the amount you owe us under this Agreement.
"Agreement" means the account opened by us in your name that records the amount you owe us under this agreement.
"Balance Transfer"means a debit from your Account of an amount you owe another lender in the United Kingdom or a debit from your Account to a personal account held by you with another financial institution in the United Kingdom.
"Buy Now Pay Later Transaction" means a Transaction with a Promotional Period during which we do not charge a interest and 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 on the Account (if any) from time to time for Cash Transactions.
"Cash Transaction" means any cash loan we make to you obtained by use of the Card or Card number, including a) the purchase of travellers’ cheques or foreign currency b) cash from a cash machine or obtained over the counter at a bank or cash provider c) any payment made by use of a money order, electronic money transfer, direct debit, standing order or similar d) any use made for gambling including internet gambling and purchase of lottery tickets or e) similar facilities we may provide in connection with the use of the Account.
"Credit Limit" means the maximum amount you may borrow on the Account at any time, including the Cash Limit, if any.
"Default Fees" means the fees set out in Condition 8.1.
"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.
"Purchase" means a purchase of goods or services using the Card or Card number or where the amount of the purchase is debited directly to the Account, for example, payment protection insurance premiums.
"Retailer" means the retailer or other person or company (if any) named on the face of the Card.
"Retailer Group" means the Retailer and each other company, practice or person (if any) in the same group.
"Special Transaction" means any Transaction on preferential terms for a Promotional Period that we may make available from time to time.
"Transaction" means a Balance Transfer, Cash Transaction or Retail Purchase.
“Transaction” means a Balance Transfer, Buy Now Pay Later Transaction, Cash Transaction, Purchase and any other transaction made by you or an additional cardholder on the Account.
“We”, “us” or “our” means Santander Consumer Credit Services Limited and any person we may transfer our rights or duties to under this agreement.
“You”, “your” means the person who signed this agreement.
12 YOUR ACCOUNT
12.1 Use of Card
a) We will put on the Account all Transactions, Special Transactions and all other amounts you have to pay to us in connection with the Account.
b) If you have given consent to a series of Transactions (such as a continuous payment authority to a third party), they may continue to take payments from your Account until you tell them to cancel it, which you may do at any time.
c) You may not use the Card or the Account for any illegal purpose.
d) Cards belong to us and you must immediately return them to us or destroy them if we ask you to. We may ask others to retain them for us.
e) For operational reasons we can recall or replace Cards at any time and may change the Card and/or Account numbers at any time. We may provide a Card using a different payment scheme as a replacement Card as long as we reasonably think you will get the same or a better service with that Card.
f) If you buy any goods or services using your Card which individually cost more than £100 and not more than £30,000 and these are unsatisfactory, or fail to arrive, or a misrepresentation is made by the supplier, you may be able to sue the supplier, or us, or both.
g) A Retailer 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.
12.2 Credit Limit and Cash Limit
a) We will let you know your Cash Limit (if any) when you receive your first statement. We may change your Cash Limit from time to time and will let you know of any changes by post, email or in your statement.
b) You must not go over your Credit Limit or your Cash Limit at any time. If you do so, you must pay us the excess immediately. To decide whether you have gone over your Credit Limit or Cash Limit we can take into account the amount of any Transaction we have authorised even if it has not yet been charged to the Account.
c) In exceptional circumstances, we may allow you to exceed your Credit Limit as a service to you. Even if we allow this, you will still have to pay the Over Limit Fee detailed in Condition 8.1.
d) If we decide to increase your Credit Limit we will tell you at least 30 days before we do so. You may tell us at any time that you want your Credit Limit to be reduced (subject to a minimum credit limit which we will tell you upon request) and you may reject any credit limit increase that we may offer you before it takes effect by calling Customer Services.
12.3 Special Transactions
a) We may offer you Special Transactions from time to time. b) If we tell you that you can use the Account for Balance Transfers, the following terms apply:
i) You cannot make a Balance Transfer to your Account from an account you hold with Santander UK plc or Santander Cards Limited (or any other member of the Santander Group we may notify you of).
ii) We will let you know of any other restrictions that apply before you make a Balance Transfer.
iii) If you 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.
iv) We may put limits on the amount of Balance Transfers or only allow them up to a proportion of your Credit Limit. We will tell you about these limits before you make a Balance Transfer.
v) When you request a Balance Transfer we will tell you the maximum time it will take to carry out the Balance Transfer and the fee payable for making the Balance Transfer or extending a Balance Transfer.
vi) After a Balance Transfer has been processed you cannot cancel it and any fee we charge for making the Balance Transfer cannot be refunded to you.
12.4 Payment scheme logo
a) If your Card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without a payment scheme logo may normally be used in the UK at the Retailer and if we notify you (i) at other members of the Retailer Group and (ii) at other third party suppliers notified to you, but not elsewhere.
b) If we give you a Card without a payment scheme logo on it, we may replace it in the future with a Card with a payment scheme logo unless you have asked us not to.
13. ADDITIONAL CARDS
13.1 You may ask us to issue an additional Card to up to 3 people you nominate as long as they are eligible for one.
13.2 You are responsible for all use of your Card and Account by any additional cardholder, including anything they do that makes you break this agreement. You must ensure that each additional cardholder uses the Card according to the terms and conditions of this agreement.
13.3 We will not give additional cardholders information about your Account.
13.4 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.
14. OUR RIGHT TO LIMIT YOUR USE OF THE ACCOUNT
14.1 We may cancel or suspend your right to use your Card or Account at any time where we reasonably believe this is necessary because of reasons relating to:
a) the security of your Card or Account;
b) suspected or actual unauthorised or fraudulent use of the Card or the Account; or
c) a significantly increased risk that you will not repay us.
14.2 We will tell you that we are cancelling or suspending your right to use the Card or Account and give you our reason for doing this. Where we are unable to contact you to tell you of this we shall stop use of the Card or Account and let you know immediately after. Where your use of the Card or Account is unlawful we may cancel or suspend your right of use without telling you first. The agreement will continue if we cancel or suspend your right to use the Card or Account and we will not be liable for any loss or damage you or an additional cardholder may suffer as a result of the cancellation or suspension.
14.3 We may refuse to carry out a Transaction if:
a) there is a threat to the security of your Card or Account;
b) you have exceeded or would exceed your Credit Limit or Cash Limit (except in circumstances in Condition 12.2(c));
c) you tell us that your Card has been lost or stolen;
d) we are required to do so for any legal, regulatory or fraud prevention purposes;
e) you have given us an inaccurate or unclear payment instruction;
f) the Transaction appears unusual compared to your normal spending pattern; or
g) we suspect fraud or that carrying out a Transaction may result in increased credit risk.
You can contact us to find out why we have refused to carry out a Transaction. Where we refuse to carry out a Transaction we will notify you of this and give you reasons for such refusal and tell you the steps required to complete the Transaction. We are entitled to charge you a reasonable sum for notifying you of any explanation we give.
14.4 We may decline to issue you with a replacement Card where:
a) You have repeatedly broken your agreement with us, or
b) Your Account is dormant, or
c) We reasonably consider that there is a significantly increased risk you will not be able to repay us.
15. CHARGES
15.1 Details of fees charged in relation to all Transactions are detailed in Condition 8.
15.2 If you use your Card (or Card number) to withdraw cash from any cash machine or for another type of Cash Transaction, we will charge you the Cash Transactions fee set out in Condition 8.2. We may set limits on the amount of each Cash Transaction and will tell you if we do.
15.3 All Transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at an exchange rate set by the payment scheme provider on the day the Transaction is processed together with the foreign exchange fee. The exchange rate used may differ from the rate when the Transaction was made as exchange rates vary on a daily basis. The exchange rate used when such Transactions are made and the amount of the Transactions in sterling following application of the exchange rate will be set out in your statement. Details of the exchange rates to be applied are available by calling us on 0208 181 0000*.
16. PAYMENTS AND INTEREST
16.1 You must make at least the minimum monthly payment each month, to be received by us by the payment due date shown in your statement. Payments will reduce your balance only when they are credited to your Account. Your statement will give you guidance on when to make payments by different methods so that they reach us and can be added to your Account on time. 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.
16.2 We may at any time waive the whole or part of any interest in respect of any amount charged to the Account, if we think it appropriate to do so, based on how you use the Account.
16.3 We may offer you a payment holiday from time to time, during which you will not need to make any payments. As a result, your balance will not reduce and you will be charged interest on the amount on your Account as normal.
16.4 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.
16.5 We may withdraw any Special Transactions, Promotional Periods and/or Introductory or Promotional Rates at our discretion in whole or in part if you break the agreement, for example, by failing to make your minimum payment on time or if you exceed your Credit Limit.
16.6 You may pay the Account balance in whole or in part at any time. You can call Customer Services to find out your Account balance and you can make payments using any of the methods set out in your statement.
17. DISPUTED TRANSACTIONS AND REFUNDS
17.1 Where you dispute a Transaction, if, following our investigation, we find that you have not authorised the Transaction, we will refund the amount of the Transaction and restore the Account to the state it would have been in had the Transaction not taken place.
17.2 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 full refund. The right to a refund does not apply where you have given consent to the Transaction to be made and information about the Transaction was provided at least four weeks before the date on which payment is due.
17.3 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.
17.4 Where a shop or other person you have paid using your Card gives you a refund, your Account will be re-credited when we receive an acceptable refund voucher.
18. YOUR STATEMENT
18.1 We will send you a statement each month that there is activity or a balance on the Account. The statement will show your payments and all Transactions and other amounts added to your Account since the last statement.
18.2 You must make the minimum payment each month even if you do not receive a statement for any reason. In these cases you must contact us to find out the minimum payment due that month. If you do not receive a statement, you will still have to pay any interest on the balance of your Account.
18.3 You must tell us as soon as possible if you think the statement is wrong or if you do not receive a statement.
18.4 Statements will initially be sent to the most recent postal address we have for you. We may be able to provide statements online. You agree that, if this facility is available on your Account, we may make your statements available in a printable and/or downloadable format via the secure customer area.
19. CARD AND PIN SECURITY
19.1 You and each additional cardholder must:
a) make sure that each Card is signed as soon as you receive it;
b) keep your PIN and Card safe and not let anyone else know it or use them;
c) learn your PIN and other security information and keep them secret at all times, including never writing them down and destroying the notification we send you; and
d) take care when storing or disposing of information about your Account.
19.2 If your Card is lost or stolen or you think that it or the Card number may be misused, or that someone may know your PIN, you must tell us as soon as possible by telephoning 0208 181 0000* or writing to Santander Consumer Credit Services Limited, Customer Service Department, P.O. Box 700, Leeds LS99 2BD. If we ask, you must write to us within seven days.
19.3 You must give us all the information you have about the loss, theft or misuse of the Card, Card number or the PIN, and any other information we ask for to help us. We may give the police any information we think will be useful.
19.4 You will not have to pay for any unauthorised use of your Card or PIN after you have told us that it is lost or stolen or you think that it may be misused by someone other than you or an additional cardholder, unless 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 may have to pay us up to £50 for unauthorised use before you let us know that your Card or PIN is lost, stolen or liable to misuse.
19.5 You must not damage or deface any Card or interfere with any chip in a Card at any time except those Cards that have to be cancelled, withdrawn or have expired, which must be destroyed by cutting them into several pieces.
19.6 Our fraud detection systems highlight unusual spending patterns. We may call you if unusual Transactions appear on your Account. These calls may include computer generated speech. If you do not want us to call you this way, please contact Customer Services.
20. CHANGES TO THIS AGREEMENT
20.1 We may change the interest rates that apply to your Account and charge different interest rates for different types of Transactions, or change the way in which interest is charged on your Account for any valid reason. This may include changes we make to the rate we charge you individually, based on a number of factors, such as credit risk (which may include use of external credit reference data), the way you use your Account and whether you break the terms of this agreement. We will always give you at least 30 days written notice of an interest rate increase and give you the opportunity to stop using your Card and pay back the balance at the existing rate. We will provide you with written notice before making any other interest rate change.
20.2 We may change (including removing or adding) fees and charges for any valid reason.
20.3 We may also change (including removing or adding) any other terms of this agreement where the change is:
a) to reflect a change in banking practice or legal or regulatory requirements or recommendations, including the adoption of a voluntary code of practice;
b) to provide for the introduction of new or improved systems, methods of operation, services or facilities or the further development of existing ones;
c) to make them clearer or more favourable to you;
d) to ensure that our business is run prudently;
e) to reflect changes in our costs of providing this service to you;
f) to rectify any genuine mistake;
g) necessary for the introduction of new features or services which may be of benefit to you or for the development of existing services; or
h) to reflect changes to the Santander Group structure.
20.4 We will give you at least 30 days notice before we make a change under Condition 20.2 or 20.3 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.
20.5 We will let you know about any changes by post, email or in your statement.
21. ENDING THE AGREEMENT
21.1 You may end this agreement at any time by writing to our Customer Services Department at the address in Condition 19.2 or calling Customer Services and paying the full amount you owe us. Unless there are exceptional circumstances we will give you two months written notice if we decide to end this agreement. You mustcontinue to pay interest on all amounts you owe us even after the Account is terminated or closed.
21.2 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 provide you with any notices required by law.
21.3 We may close your Account (by providing two months written notice), cancel or suspend your right to use your Account or reduce your Credit Limit if it has been dormant, meaning there have been no Transactions or a zero balance for a period of six months or more. Before we close, cancel or suspend your right to use your Account, we will contact you to determine whether you intend to make any further Transactions on your Card.
21.4 Once notice has been given, Cards, Card numbers and PINs must not be used and you must destroy them or, if we ask you to, return all Cards having cut them into several pieces and cancel any instructions or authorities you have given others to charge your Account. You must continue to make all payments due under this agreement, which will continue until you have repaid all amounts owed to us, including amounts added to the Account after the notice to end the agreement.
22. GENERAL
22.1 For commercial reasons, we (or another Santander Group company) may decide to change the insurers that provide your insurance benefits. If that happens, we (or they) will write to you not less than 30 days before your current insurance expires with details of the new insurer and any changes to the terms and conditions of your cover. You authorise us (and other Santander Group companies) to transfer your personal information to any new insurer to enable that insurer to provide your cover. You also consent to the new insurer providing insurance cover to you. This consent will ensure that there is no break in your insurance cover and does not affect your right to cancel your credit agreement. You may cancel this authority and consent at any time but if you do so, your insurance policy will terminate if we decide to change the insurer.
22.2 You must have a UK residential address. You must tell us if you change your address or contact details or if you or an additional cardholder change name.
22.3 We may transfer to any other person or business any or all of our rights under this agreement at any time and our duties (including, without limitation, our duty to lend to you). If the arrangements for servicing your Account do not change as a result of this assignment, we may do this without notice, but we will tell you if and when the arrangements do change. In other cases we will give you notice as soon as reasonably possible. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974) will not be affected.
22.4 This agreement is governed by the law of England and Wales which will also govern the relationship between us and you before the conclusion of this agreement. The courts of England and Wales have non-exclusive jurisdiction for any related disputes. We will only communicate with you in English.
22.5 If we do not strictly apply our rights under this agreement at any time, this will not prevent us from doing so later.
22.6 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.
22.7 We will not be liable if we are prevented from doing anything we have said we will do under this agreement because of anything that we cannot reasonably control, including any machine failing towork, any person, company or supplier refusing to accept any Card and industrial disputes.
23. COMPLAINTS AND HOW WE ARE REGULATED
23.1 If you have a complaint, please write to us at Santander Consumer Credit Services Limited, Customer Service Department, P.O. Box 700, Leeds LS99 2BD. 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 0300 123 9123 E-mail: enquiries@financial- ombudsman.org.uk.
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.
23.2 We provide credit products to consumers and are licensed for these and related purposes by the Office of Fair Trading (licence number 0498087) which can be contacted at: Enquiries and Reporting Centre Office, Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London EC4Y 8JX. We are authorised and regulated by the Financial Services Authority as an insurance intermediary (reference number 403582). We are a member of the Finance and Leasing Association (the "FLA"). We subscribe to the codes of the FLA and the Lending Standards Board. Santander Consumer Credit Services Limited is a company registered with the Registrar of Companies for England and Wales, Company No 03927500, Registered Office: 2 Triton Square, Regent’s Place, London NW1 3AN.
24. USE OF PERSONAL INFORMATION
24.1 Information we hold
We hold the following details about you:
a) Personal information, such as your name, address and date of birth;
b) Other demographic and lifestyle information (such as permanent residence details, and occupation details);
c) Details of your financial transactions;
d) 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
e) Details of when you contact us and when we contact you.
24.2 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 Retailer or by any other means.
24.3 References to 'you' mean the Account holder, plus any additional cardholder.
24.4 We and the Retailer regularly share Personal Information about you to manage your Account and to provide services to you as explained below. The Retailer may hold this information.
24.5 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: a) health or medical information; b) trade union memberships; c) racial or ethnic origin(s); d) political opinions; e) religious beliefs or affiliations; f) criminal records; g) driving records; and/or h) sexual preferences or orientation.
24.6 Sharing your Personal Information with other organisations We and the Retailer will only disclose your Personal Information to other people or organisations as set out in this Condition 24 if:
a) 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;
b) 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);
c) 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);
d) when we believe that they have products or services which may be of financial benefit to you.
24.7 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.
24.8 Operating your Account
We, the Retailer and other organisations as set out above may process, record, analyse, exchange and use your Personal Information to:
a) operate and manage your Account and other related facilities;
b) carry out statistical analysis and to check details on applications made by you and others for credit and credit related accounts and facilities;
c) making credit and insurance assessments;
d) 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;
e) carry out market research and business analysis;
f) carry out audits;
g) perform other administrative and operational purposes, including the testing of systems;
h) trace debtors;
i) recover debt;
j) to check details of job applicants and employees; and/or
k) perform any other reasonable purpose notified to you from time to time.
24.9 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.
24.10 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 Retailer 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 24.8 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 (Calls cost 10p per minute plus network extras. Calls may be monitored and recorded for training and security purposes) if you wish to receive details of the relevant FPAs.
24.11 Regulators
We and the Retailer will share your Personal Information with regulators or ombudsmen, including taxation and similar authorities, where we are requested by them to do so.
24.12 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.
24.13 Overseas transfers
We and the Retailer 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: a) held securely to standards equivalent to the UK; and b) used only as permitted by us.
24.14 Insurance
We will exchange information about you and your Account with the insurer who provides the product you have chosen for the purposes of: a) arranging and administering your policy; and b) 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.
24.15 Information about other products and services
If you agree, we, the Retailer 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, members of the Retailer Group 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.
