Terms & Conditions and Important Information Credit Cards

Transcription

1 Importat iformatio Terms & Coditios ad Importat Iformatio Credit Cards Please read these Terms ad Coditios alog with the Key Facts Documet together they provide all the iformatio you eed about the credit card you re applyig for. This documet icludes: Our Terms of Busiess Data Protectio Statemet Agreemet Terms ad Coditios Paymet Iformatio Please read ad keep for future referece. Iformatio correct as at 4 May 2018.

2 Credit Cards TermsadCoditios Page 2 of 12 Our Terms of Busiess No-advised For the majority of our products we oly provide you with iformatio, ot advice, to help you decide if a product is right for you. O products where we do provide advice, we will make this clear to you. Some products are oly available via specific chaels (e.g. iteret oly). Put Simply We will provide you with a o-advised service, which meas we will give you iformatio to help you make your decisio. Regulated We are authorised ad regulated by the Prudetial Regulatio Authority (PRA) ad also regulated by the Fiacial Coduct Authority (FCA). Our Fiacial Services Register umber is You ca check this o the Fiacial Services Register by visitig the FCA s website or by cotactig the FCA o We are a member of the Fiacial Services Compesatio Scheme (FSCS) - ask for a leaflet i brach for more iformatio. We adhere to The Stadards of Ledig Practice which are moitored ad eforced by the LSB: Put Simply We are authorised ad regulated by the Prudetial Regulatio Authority ad also regulated by the Fiacial Coduct Authority. We are also a member of the Fiacial Services Compesatio Scheme. Cofidetiality We treat ay iformatio you give us cofidetially. O joit applicatios your iformatio may be shared with the other applicat ad you must have their permissio to provide their iformatio. We may share the iformatio with other compaies i the Satader Group, our associated compaies ad with our service providers ad agets, some of whom may be i other coutries. We may do this so they ca maage your accout ad to help us develop ad improve our products ad services. We will esure your iformatio is used i lie with our ow strict cofidetiality policies ad as required uder UK data protectio legislatio. Iformatio may be shared with our regulators for regulatory purposes. We may use the iformatio to provide you with products ad services ad for marketig purposes. If you do t wat to receive marketig iformatio, just tell us. If we decide to sed you marketig about a credit product, we ll check your details at the credit referece agecies to see if it is appropriate to sed you the marketig, but a record of this will ot be see by other leders searchig your file. You have a umber of rights uder data protectio legislatio. For more iformatio o these ask for a copy of the Usig My Persoal Data booklet. Put Simply The iformatio you give us is treated cofidetially, i lie with data protectio legislatio. For more iformatio o your rights you ca ask for a copy of the Usig My Persoal Data booklet. Credit ad other checks If you apply for a credit / loa product we will perform a credit search, where we check details of your credit history with certai credit referece agecies, who will keep a record of that search (icludig details about your applicatio with us, whether or ot it is successful). For a short period of time this ca affect your ability to get credit elsewhere. If the results idicate that the credit product that you are seekig would ot be suitable, your applicatio may be declied ad we will tell you. If your applicatio is accepted we may file details about you ad how you maage your accout at credit referece agecies. If you are applyig for credit with aother perso (such as with a spouse or busiess parter), a fiacial lik betwee the two of you will be created at the credit referece agecy. For more iformatio, a leaflet called Your applicatio ad credit scorig is available o request. For all applicatios we will eed to carry out some checks, icludig fraud checks ad checkig your idetity. We ll check your details with fraud prevetio ad credit referece agecies to check your idetity ad applicatio details, prevet ad ivestigate crime, trace ad recover debt, check isurace claims ad for aalysis ad testig. Put Simply If you apply for a credit product, we will carry out a credit search to make a decisio o your applicatio ad this will be recorded o your credit file. Records will be liked together o joit applicatios. Makig a complait We re sorry if we have t provided you with the service you expect. By tellig us about it we ca put thigs right for you ad make improvemets. We wat to sort thigs out for you as soo as we ca. The easiest ad quickest way is by talkig to us about your cocer. Please call our dedicated complaits team o *. ACS MAY 18 H Alteratively, you ca cotact us: at satader.co.uk, by loggig o to your Olie Bakig ad usig our secure messagig service. by writig to: Complaits, Satader UK plc, PO Box 1125, Bradford, BD1 9PG i perso, by visitig ay Satader brach. Our complaits leaflet is available upo request ad cotais further iformatio o our complaits process, icludig the hadlig timescales. This iformatio is also available o our website at satader.co.uk. You may also be able to refer your complait to the Fiacial Ombudsma Service. The Fiacial Ombudsma Service acts as a idepedet ad impartial orgaisatio which helps settle disputes betwee cosumers ad fiacial services busiesses. You ca fid out more iformatio at Alteratively, if you origially purchased your product with us olie, you could submit your complait through the Europea Commissio s Olie Dispute Resolutio website. The Europea Commissio may ultimately forward your complait to the Fiacial Ombudsma Service. You ca fid out more iformatio at

3 Data Protectio Statemet Itroductio The Data Protectio Statemet sets out how we ll use your persoal data. Your persoal data is data which by itself or with other data available to us ca be used to idetify you. We are Satader UK plc, the data cotroller. This data protectio statemet sets out how we ll use your persoal data. You ca cotact our Data Protectio Officer (DPO) at 201 Grafto Gate East, Milto Keyes, MK9 1AN if you have ay questios. The types of persoal data we collect ad use Whether or ot you become a customer, we ll use your persoal data for the reasos set out below ad if you become a customer we ll use it to maage the accout, policy or service you ve applied for. We ll collect most of this directly durig the applicatio jourey. The sources of persoal data collected idirectly are metioed i this statemet. The persoal data we use may be about you as a persoal or busiess customer (if you are oe) ad may iclude: Full ame ad persoal details icludig cotact iformatio (e.g. home ad busiess address ad address history, address, home, busiess ad mobile telephoe umbers); Date of birth ad/or age (e.g. to make sure that you re eligible to apply); Fiacial details (e.g. salary ad details of other icome, ad details of accouts held with other providers); Records of products ad services you ve obtaied or applied for, how you use them ad the relevat techology used to access or maage them (e.g. mobile phoe locatio data, IP address, MAC address); Biometric data (e.g. figerprits ad voice recordigs for TouchID ad voice recogitio); Iformatio from credit referece or fraud prevetio agecies, electoral roll, court records of debt judgemets ad bakruptcies ad other publicly available sources as well as iformatio o ay fiacial associates you may have; Family, lifestyle or social circumstaces if relevat to the product or service (e.g. the umber of depedats you have); Educatio ad employmet details/employmet status for credit ad fraud prevetio purposes; ad Persoal data about other amed applicats. You must have their authority to provide their persoal data to us ad share this data protectio statemet with them beforehad together with details of what you ve agreed o their behalf. Whe applyig for a credit card you must have permissio to give iformatio about ay third party amed o the applicatio form. Providig your persoal data We ll tell you if providig some persoal data is optioal, icludig if we ask for your coset to process it. I all other cases you must provide your persoal data so we ca process your applicatio (uless you re a customer ad we already hold your details). Moitorig of commuicatios Subject to applicable laws, we ll moitor ad record your calls, s, text messages, social media messages ad other commuicatios i relatio to your dealigs with us. We ll do this for regulatory compliace, self-regulatory practices, crime prevetio ad detectio, to protect the security of our commuicatios systems ad procedures, to check for obscee or profae cotet, for quality cotrol ad staff traiig, ad whe we eed to see a record of what s bee said. We may also moitor activities o your accout where ecessary for these reasos ad this is justified by our legitimate iterests or our legal obligatios. Usig your persoal data: the legal basis ad purposes We ll process your persoal data: 1. As ecessary to perform our cotract with you for the relevat accout, policy or service: a) To take steps at your request prior to eterig ito it; b) To decide whether to eter ito it; c) To maage ad perform that cotract; Page 3 of 12 d) To update our records; ad e) To trace your whereabouts to cotact you about your accout ad recoverig debt. 2. As ecessary for our ow legitimate iterests or those of other persos ad orgaisatios, e.g.: a) For good goverace, accoutig, ad maagig ad auditig our busiess operatios; b) To search at credit referece agecies at your home ad busiess address (if you are a busiess customer) if you re over 18 ad apply for credit; c) To moitor s, calls, other commuicatios, ad activities o your accout; d) For market research, aalysis ad developig statistics; ad e) To sed you marketig commuicatios ad for marketig to you i-brach, icludig automated decisio makig relatig to this. 3. As ecessary to comply with a legal obligatio, e.g.: a) Whe you exercise your rights uder data protectio law ad make requests; b) For compliace with legal ad regulatory requiremets ad related disclosures; c) For establishmet ad defece of legal rights; d) For activities relatig to the prevetio, detectio ad ivestigatio of crime; e) To verify your idetity, make credit, fraud prevetio ad atimoey lauderig checks; ad f) To moitor s, calls, other commuicatios, ad activities o your accout. 4. Based o your coset, e.g.: a) Whe you request us to disclose your persoal data to other people or orgaisatios such as a compay hadlig a claim o your behalf, or otherwise agree to disclosures; b) Whe we process ay special categories of persoal data about you at your request (e.g. your racial or ethic origi, political opiios, religious or philosophical beliefs, trade uio membership, geetic data, biometric data, data cocerig your health, sex life or sexual orietatio); ad c) To sed you marketig commuicatios where we ve asked for your coset to do so. You re free at ay time to chage your mid ad withdraw your coset. The cosequece might be that we ca t do certai thigs for you. Sharig of your persoal data Subject to applicable data protectio law we may share your persoal data with: The Satader group of compaies* ad associated compaies i which we have shareholdigs; Sub-cotractors ad other persos who help us provide our products ad services; Compaies ad other persos providig services to us; Our legal ad other professioal advisors, icludig our auditors; Fraud prevetio agecies, credit referece agecies, ad debt collectio agecies whe we ope your accout ad periodically durig your accout or service maagemet; Other orgaisatios who use shared databases for icome verificatio ad affordability checks ad to maage/collect arrears; Govermet bodies ad agecies i the UK ad overseas (e.g. HMRC who may i tur share it with relevat overseas tax authorities ad with regulators e.g. the Prudetial Regulatio Authority, the Fiacial Coduct Authority, the Iformatio Commissioer s Office); Courts, to comply with legal requiremets, ad for the admiistratio of justice; I a emergecy or to otherwise protect your vital iterests; To protect the security or itegrity of our busiess operatios; To other parties coected with your accout e.g. guarators ad

4 Page 4 of 12 other people amed o the applicatio icludig joit accout holders who will see your trasactios; Whe we restructure or sell our busiess or its assets or have a merger or re-orgaisatio; Market research orgaisatios who help to improve our products or services; Paymet systems (e.g. Visa or Mastercard) if we issue cards liked to your accout, your accout is liked to a card o aother curret accout, or as a result of a trasfer to aother accout you receive a card. The Paymet systems may trasfer your persoal data to others as ecessary to operate your accout ad for regulatory purposes, to process trasactios, resolve disputes ad for statistical purposes, icludig sedig your persoal data overseas; ad Ayoe else where we have your coset or as required by law. Iteratioal trasfers Your persoal data may be trasferred outside the UK ad the Europea Ecoomic Area. While some coutries have adequate protectios for persoal data uder applicable laws, i other coutries steps will be ecessary to esure appropriate safeguards apply to it. These iclude imposig cotractual obligatios of adequacy or requirig the recipiet to subscribe or be certified with a iteratioal framework of protectio. Further details ca be foud i the Usig My Persoal Data booklet. Idetity verificatio ad fraud prevetio checks The persoal data we ve collected from you at applicatio or at ay stage will be shared with fraud prevetio agecies who will use it to prevet fraud ad moey-lauderig ad to verify your idetity. If fraud is detected, you could be refused certai services, fiace or employmet i future. We may also search ad use our iteral records for these purposes. Further details o how your persoal data will be used by us ad these fraud prevetio agecies, ad your data protectio rights, ca be foud i the Usig My Persoal Data booklet. Credit referece checks (for curret accouts, credit cards, persoal loas, mortgages, busiess curret accouts ad 1I2I3 Mii customers if you hold a curret accout from the age of 18) If you ve applied for a credit product the i order to process your applicatio, we ll perform credit ad idetity checks o you at your home ad busiess address (if you are a busiess customer) with oe or more credit referece agecies. To do this we ll supply your persoal data to the credit referece agecies ad they ll give us iformatio about you. Whe we carry out a search at the credit referece agecies they ll place a footprit o your credit file. A credit search may either be: a) a quotatio search where a soft footprit is left. This has o effect o your credit score, ad leders are uable to see this; or b) a hard footprit where you ve agreed/requested Satader to proceed with your applicatio for credit. This footprit will be viewable by other leders ad may affect your ability to get credit elsewhere. We ll also cotiue to exchage iformatio about you with credit referece agecies while you have a relatioship with us. The credit referece agecies may i tur share your persoal iformatio with other orgaisatios. The persoal data shared with the credit referece agecies will relate to you ad your busiess (if you are a busiess customer). Details about your applicatio (whether or ot it s successful) will be recorded ad we ll give details of your accouts ad how you maage them to credit referece agecies. We will use this persoal data to maage your accout, icludig ay future icrease i your credit limit ad card, ad to determie the iterest rate payable ad the way iterest o the accout is charged or calculated if you apply for a credit card. If you do ot repay ay debt i full or o time, they ll record the outstadig debt ad supply this iformatio to others performig similar checks, to trace your whereabouts ad to recover debts that you owe. Records remai o file for 6 years after they are closed, whether settled by you or defaulted. A fiacial associatio lik betwee joit applicats will be created at the credit referece agecies. This will lik your fiacial records ad be take ito accout i all future applicatios by either or both of you util either of you apply for a otice of disassociatio with the credit referece agecies. Very occasioally, if we have isufficiet iformatio about you ad you apply for a credit card, we may use the iformatio about other members of your family. If you re a busiess customer ad you re a director, we will seek cofirmatio from the credit referece agecies that the residetial address that you provide is the same as that show o the restricted register of directors usual addresses at Compaies House. The idetities of the credit referece agecies, ad the ways i which they use ad share persoal iformatio is explaied i more detail i the Usig My Persoal Data booklet, or via the Credit Referece Agecy Iformatio Notice (CRAIN) documet which ca be accessed via ay of the followig liks: experia.co.uk/crai equifax.co.uk/crai callcredit.co.uk/crai Your marketig prefereces ad related searches We ll use your home address, phoe umbers, address ad social media (e.g. Facebook, Google ad message facilities i other platforms) to cotact you accordig to your prefereces. You ca chage your prefereces or usubscribe at ay time by cotactig us. I the case of social media messages you ca maage your social media prefereces via that social media platform. If you re over 18, we may search the files at credit referece agecies before sedig marketig commuicatios or doig marketig i-brach to you about credit. The credit referece agecies do t record this particular search or show it to other leders ad it wo t affect your credit ratig. We do this as part of our resposible ledig obligatios which is withi our legitimate iterests. If you have previously told us that you do t wat iformatio o other products ad services or to be icluded i market research, we ll cotiue to respect your wishes. Automated decisio makig ad processig Automated decisio makig ivolves processig your persoal data without huma itervetio to evaluate your persoal situatio such as your ecoomic positio, persoal prefereces, iterests or behaviour, for istace i relatio to trasactios o your accouts, your paymets to other providers, ad triggers ad evets such as accout opeig aiversaries ad maturity dates. We may do this to decide what marketig commuicatios ad marketig i-brach is suitable for you, to aalyse statistics ad assess ledig ad isurace risks. All this activity is o the basis of our legitimate iterests, to protect our busiess, ad to develop ad improve our products ad services, except as follows; whe we do automated decisio makig icludig profilig activity to assess ledig ad isurace risks, this will be performed o the basis of it beig ecessary to perform the cotract with you or to take steps to eter ito that cotract. Further details ca be foud i the Usig My Persoal Data booklet. Other iformatio about you if you are a busiess customer We may also hold all the iformatio you give to us (i.e. ame, address, date of birth, atioality) i order to udertake periodic due diligece checks which baks are required to udertake to comply with UK legislatio. If you apply for a Satader World Elite Mastercard The Satader World Elite Mastercard has a umber of extra services as part of the accout. You uderstad that providers of those services i.e. Mastercard Europe SA ad its suppliers, Colliso for LougeKey access, Mastercard Cocierge ad Boigo Wi-Fi will collect ad use iformatio about you ad ay additioal cardholders to provide the services. Certai iformatio, e.g. cotact details, will be provided by Satader, ad other iformatio will be provided by you or ay additioal cardholder if you choose to use the additioal services. This meas that: The providers of the additioal services will keep your persoal data ad the persoal data of ay additioal cardholders to cofirm your/ their idetity ad maage the service, icludig the resolutio of ay complaits/dissatisfactio of the services provided. Data will be provided by Satader to Mastercard ad LougeKey to iform them if a card has bee closed. Customer data will be provided to Mastercard Cocierge to eable the cocierge team to udertake the service. Data will be provided by Satader to Mastercard ad LougeKey/ Boigo to support the ivestigatio of complaits ad dissatisfactio of the services provided. Providers of the additioal services may trasfer your iformatio ad additioal cardholder iformatio outside the Europea Ecoomic Area for the purpose of providig the services. For further details of the service provided ad data shared please refer to the Satader World Elite Mastercard extra services T&Cs.

5 Page5of12 You must make the additioal cardholder aware of the above uses of their persoal data. Criteria used to determie retetio periods (whether or ot you become a customer) The followig criteria are used to determie data retetio periods for your persoal data: Retetio i case of queries. We ll retai your persoal data as log as ecessary to deal with your queries (e.g. if your applicatio is usuccessful); Retetio i case of claims. We ll retai your persoal data for as log as you might legally brig claims agaist us; ad Retetio i accordace with legal ad regulatory requiremets. We ll retai your persoal data after your accout, policy or service has bee closed or has otherwise come to a ed based o our legal ad regulatory requiremets. Data aoymisatio ad aggregatio Your persoal data may be coverted ito statistical or aggregated data which ca t be used to idetify you, the used to produce statistical research ad reports. This aggregated data may be shared ad used i all the ways described above. *Group compaies For more iformatio o the Satader group compaies, please see the Usig My Persoal Data booklet. Your rights uder applicable data protectio law Your rights are as follows (otig that these rights do t apply i all circumstaces ad that data portability is oly relevat from May 2018): The right to be iformed about our processig of your persoal data; The right to have your persoal data corrected if it s iaccurate ad to have icomplete persoal data completed; The right to object to processig of your persoal data; The right to restrict processig of your persoal data; The right to have your persoal data erased (the right to be forgotte ); The right to request access to your persoal data ad iformatio about how we process it; The right to move, copy or trasfer your persoal data ( data portability ); ad Rights i relatio to automated decisio makig icludig profilig. You have the right to complai to the Iformatio Commissioer s Office. It has eforcemet powers ad ca ivestigate compliace with data protectio law: ico.org.uk. For more details o all the above you ca cotact your DPO or request the Usig My Persoal Data booklet by askig for a copy i brach or olie at satader.co.uk. ACS MAY 18 H *Calls may be recorded or moitored.

6 Credit Cards TermsadCoditios Page6of12 Agreemet Terms ad Coditios The followig coditios form part of your Credit Agreemet ad should be read i cojuctio with that documet. 12 Defiitios I these terms ad coditios, some words have particular meaigs as set out below: Accout meas the Accout opeed by us i your ame that records the amout you owe us uder this agreemet. Balace Trasfer meas either: a) a debit from your Accout of a amout you owe aother leder i the Uited Kigdom; or b) a debit from your Accout to a persoal curret or savigs accout held by you with aother leder or with us i the Uited Kigdom. Card meas ay Card or Card details issued by us for use i coectio with the Accout, icludig Card details stored o a electroic wallet, smart phoe or aother device. Cash Limit meas the maximum amout you may borrow o the Accout (if ay) from time to time for Cash Trasactios. Cash Trasactio meas ay cash loa we make to you obtaied by use of the Card or Card umber, icludig a) the purchase of travellers cheques or foreig currecy b) cash from a cash machie displayig a paymet scheme logo or obtaied over the couter at a bak or cash provider c) ay paymet made by use of a moey order, electroic moey trasfer, direct debit, stadig order or similar d) ay use made for gamblig icludig iteret gamblig ad purchase of lottery tickets e) similar facilities we may provide i coectio with the use of the Accout. Credit Limit meas the maximum amout you may borrow o the Accout at ay oe time, icludig the Cash Limit, if ay. Default Fees meas the fees set out i Coditio 8.1. No-Sterlig Trasactio Fee meas the fee set out i Coditio 8.2 which is applied to Trasactios made i a currecy other tha sterlig. Paymet Scheme Exchage Rate meas the exchage rate set by Mastercard or Visa (depedig o the paymet scheme logo displayed o your Card) ad which is prevailig at the date ad time your Trasactio is processed. Persoal Security Details meas various registratio umbers or codes that allow you to operate the Accout ad ay other Satader Group accouts i your ame remotely. PIN meas ay persoal idetificatio umber to be used with the Card. Promotioal Period meas the period we tell you before you make a Special Trasactio durig which preferetial terms will apply. Purchase meas a Purchase of goods or services usig the Card or Card umber or where the amout of the Purchase is debited directly to the Accout, for example, paymet protectio isurace premiums. Recurrig Trasactio meas a agreemet betwee you ad a supplier that allows the supplier to ask us to make paymets to them from your Card Accout o a regular basis. Satader Group meas Baco Satader, S.A., its subsidiaries, both direct ad idirect, icludig Satader UK plc. Special Trasactio meas ay Trasactio o preferetial terms for a Promotioal Period that we may make available from time to time. TPP meas a third party paymet provider which is authorised to access iformatio ad make paymets o olie paymet accouts operated by other providers (such as us ad other baks, buildig societies ad credit card issuers). Trasactio meas a Balace Trasfer, Cash Trasactio, Purchase, ad ay other Trasactio made by you or a additioal cardholder o the Accout. We, us or our meas Satader UK plc ad ay perso we may trasfer our rights or duties to uder this agreemet. You, your meas the perso who siged this agreemet. 13 Your Accout 13.1 Use of Card a) We will put o the Accout all Trasactios, Special Trasactios ad all other amouts you have to pay to us i coectio with the Accout. b) If you have authorised a Recurrig Trasactio, the supplier may cotiue to take paymets from your Accout util you tell them or us to cacel it. You may withdraw your authorisatio at ay time up to the ed of the busiess day (Moday to Friday other tha Eglish bak holidays) before the Recurrig Trasactio is due to be paid. We will use our best efforts to stop these Trasactios from beig charged to your Accout. As Recurrig Trasactios are iitiated by the supplier, you may wish to cotact the supplier as well to stop the Recurrig Trasactio beig iitiated. If the Recurrig Trasactio is take from your Accout after you have withdraw your authorisatio we will refud the Trasactio amout together with ay related charges or iterest. c) You may ot use the Card or the Accout for ay illegal purpose. d) Cards belog to us ad you must immediately retur them to us or destroy them if we ask you to. We may ask others to retai them for us. e) For operatioal reasos we ca recall or replace Cards at ay time ad may chage the Card ad/or Accout umbers at ay time. We may provide a Card usig a differet paymet scheme as a replacemet Card as log as we reasoably thik you will get the same or a better service with that Card. We may issue at our discretio a Card with a cotactless fuctio which ca be used at suppliers who accept cotactless Mastercard or Visa credit card paymets. If your Card has a cotactless fuctio, this will have a maximum Trasactio limit which we will tell you about whe you receive your Card or you ca cotact us o * for more iformatio. f) You must ot hold duplicate Accouts with us.

7 Credit Cards TermsadCoditios Page 7 of Credit Limit ad Cash Limit a) The amout that you ca withdraw i Cash Trasactios i ay moth caot be more tha 50% of the Credit Limit. We may chage this Cash Limit from time to time ad will otify you of ay chages by post, , your statemet or the documet store i Olie Bakig. b) You must ot go over your Credit Limit or your Cash Limit at ay time. If you do so, you must pay us the excess immediately. To decide whether you have goe over your Credit Limit or Cash Limit we ca take ito accout the amout of ay Trasactio we have authorised eve if it has ot yet bee charged to the Accout. c) I exceptioal circumstaces, we may allow you to exceed your Credit Limit as a service to you. Eve if we allow this, you will still have to pay the Over Limit Fee detailed i Coditio 8.1. d) We may decrease your Credit Limit from time to time ad will tell you at least 30 days before we do so, uless we are cocered about your ability to repay us i which case we may reduce your Credit Limit immediately i accordace with Coditio We will tell you about ay decrease by post, , a text to your phoe, or the documet store i Olie Bakig. e) We may icrease the Credit Limit from time to time ad will tell you at least 30 days before we do so. We will tell you about ay icrease by post, , a text to your phoe, or the documet store i Olie Bakig. f) From August 2018 you ca choose how you wat Credit Limit icreases to apply to your Accout ad ca chage your choice at ay time by cotactig us. We may tell you from time to time that a icreased Credit Limit is available to you. Depedig o how you have chose to maage your Credit Limit icreases, you will have the optio to either: i) choose to exercise your right to that higher Credit Limit withi the time we tell you (which will be at least 30 days); or ii) do othig ad your Credit Limit will automatically icrease after 30 days. We may ot offer you a icreased Credit Limit if we have cocers about the risk of you ot repayig us. A higher Credit Limit may offer greater flexibility ad coveiece to meet your fiacial eeds. However, it may also icrease the risk of takig o too much debt, which may be costly, or take a log time to pay off. You should carefully cosider whether you eed a higher limit. g) You ca also tell us at ay time if you o loger wat ay Credit Limit icreases to be offered to you, if you wat your Credit Limit to be reduced (subject to a miimum Credit Limit which we will tell you upo request) ad you may reject ay Credit Limit icrease that we may offer you before it takes effect by callig us o * Special Trasactios We may offer you Special Trasactios from time to time Balace Trasfers a) You caot make Balace Trasfers to pay off a amout you owe o ay other Card issued by a Satader Group compay. We will let you kow of ay other restrictios that apply before you make a Balace Trasfer. If you make a Balace Trasfer to pay off a amout you owe aother leder, you should cotiue to make ay paymets due to the other leder both before ad after the Balace Trasfer has bee made. We may put limits o the amout of Balace Trasfers or oly allow them up to a proportio of your Credit Limit. We will tell you about these limits before you make a Balace Trasfer. Details of our Balace Trasfer Fees are set out i Coditio 8.2. After a Balace Trasfer has bee added to your Accout you caot cacel it ad ay fee we charge for makig the Balace Trasfer caot be refuded to you. b) If you ask us to make a trasfer o a busiess day before the cut-off time, the paymet will reach the receivig leder o the ext busiess day. We will tell you the cut-off time whe you ask for a Balace Trasfer. If you make the request o a o-busiess day or after the cut-off time, we ll process it o the ext busiess day ad the paymet will reach the receivig leder o the ext busiess day after that. If you ask us to make a Balace Trasfer whe you ope your Accout with us, we will treat the istructio as havig bee made o either: i) for applicatios made via brach or telephoy the date your applicatio is accepted; or ii) for applicatios made olie or mobile the date your Card is activated. c) If you ask us to make a Balace Trasfer ad the fuds are set to the wrog accout, we will, uless you provided us with the wrog details, restore your Accout to the state it would have bee i had the paymet ot bee made. If we sed it late, you may ask us to cotact the recipiet leder ad ask them to credit it as if it had bee received o the correct date. d) Where we fid that you have give us icorrect details, we will use reasoable steps to recover ay amouts set. We are etitled to charge you a reasoable sum for doig this. 14 Additioal Cards 14.1 You may ask us to issue a additioal Card to up to three people you omiate as log as they are eligible for oe You are resposible for use of all Cards issued o your Accout, icludig the coduct of ay additioal cardholder that makes you break this agreemet. You must esure that each additioal cardholder uses the Card accordig to the terms ad coditios of this agreemet We will ot give additioal cardholders iformatio about your Accout, except i respect of their ow trasactios. This does ot affect your resposibility set out i 14.2 above You ca ask us to cacel a additioal Card at ay time but you will remai resposible for it util it is retured to us or is securely destroyed. 15 Our right to limit your use of the Accout 15.1 We may cacel or susped your right to use your Card or Accout at ay time where we reasoably believe this is ecessary because of reasos relatig to: a) the security of your Card or Accout; b) suspected or actual uauthorised or fraudulet use of the Card or the Accout; or c) a sigificatly icreased risk that you will ot repay us We will tell you that we are cacellig or suspedig your right to use the Card or Accout ad give you our reaso for doig this. Where we are uable to cotact you to tell you of this we shall stop use of the Card or Accout ad let you kow immediately after. Where your use of the Card or Accout is ulawful we may cacel or susped your right of use without

8 Credit Cards TermsadCoditios Page 8 of 12 tellig you first. The agreemet will cotiue if we cacel or susped your right to use the Card or Accout ad we will ot be liable for ay loss or damage you or a additioal cardholder may suffer as a result of the cacellatio or suspesio We may refuse to carry out a Trasactio if: a) there is a threat to the security of your Card or Accout; b) you have exceeded or would exceed your Credit Limit or Cash Limit (except i circumstaces i Coditio 13.2 c)); c) you tell us that your Card has bee lost or stole; d) we are required to do so for ay legal, regulatory or fraud prevetio purposes; e) you have give us a iaccurate or uclear paymet istructio; f) the Trasactio appears uusual compared to your ormal spedig patter; or g) we suspect fraud or that carryig out a Trasactio may result i icreased credit risk. You ca cotact us to fid out why we have refused to carry out a Trasactio. Where we refuse to carry out a Trasactio we will otify you of this ad give you reasos for such refusal ad tell you the steps required to complete the Trasactio, uless doig so would compromise our reasoable security measures or otherwise be ulawful We may declie to issue you with a replacemet Card where: a) you have repeatedly broke your agreemet with us; or b) your Accout is dormat; or c) we reasoably cosider that there is a sigificatly icreased risk you will ot be able to repay us. 16 Charges 16.1 Details of fees charged i relatio to all Trasactios are detailed i Coditio If you use your Card (or Card umber) to withdraw cash from ay cash machie or for aother type of Cash Trasactio, we will charge you the Cash Trasactios fee set out i Coditio All Trasactios i currecies other tha sterlig will be coverted ito sterlig o the day they are added to your Accout at the Paymet Scheme Exchage Rate (at the date ad time the Trasactio is processed) together with the No- Sterlig Trasactio Fee. The Paymet Scheme Exchage Rate used may differ from the rate whe the Trasactio was made as exchage rates vary o a daily basis. The Paymet Scheme Exchage Rate used whe such Trasactios are made ad the amout of the Trasactios i sterlig followig applicatio of the exchage rate will be set out i your statemet. For a idicatio of the Paymet Scheme Exchage Rate you ca visit or or call us o *. 17 Paymets ad iterest 17.1 You must make at least the miimum mothly paymet each moth, to be received by us by the paymet due date show i your statemet. Paymets will reduce your balace oly whe they are credited to your Accout. Your statemet will give you guidace o whe to make paymets by differet methods so that they reach us ad ca be added to your Accout o time. We will treat ay paymet you make (or part of it) as payig off ay arrears o the Accout first before treatig it as the miimum mothly paymet due o the Accout We may at ay time waive the whole or part of ay iterest i respect of ay amout charged to the Accout, if we thik it appropriate to do so, based o how you use the Accout As we process paymets automatically we may accept partial paymets marked paymet i full or other similar laguage without losig our right to claim full paymet You authorise us to take paymets due to us uder this agreemet from curret or savigs accouts you have with ay Satader Group compay if you do ot pay them o time yourself. We will give you advace otice ad will ot take paymet if we cosider that the fuds i the relevat accout will be required to pay stadig orders or direct debits pedig at the time we ited to take paymet You should ot make paymets that place the Accout i credit. If you do, we may still restrict the use of the Card ad the Accout to the amout of your Credit Limit ad we ca retur ay credit balace to you You may pay the Accout balace i whole or i part at ay time. You ca call us o * to fid out your Accout balace ad you ca make paymets usig ay of the methods set out i your statemet. 18 Disputed trasactios ad refuds 18.1 Where you dispute a Trasactio, we will ask you to provide iformatio which is reasoably ecessary to allow us to carry out our ivestigatio. We will tell you what iformatio we require ad the timeframe i which we eed you to provide it to us whe you cotact us. If, followig our ivestigatio, we fid that you have ot authorised the Trasactio, we will refud the amout of the Trasactio ad restore the Accout to the state it would have bee i had the Trasactio ot take place. If we refud the amout of the Trasactio before we ivestigate your claim, we reserve the right to redebit your Accout should our ivestigatios show that the disputed Trasactio was correctly authorised by you If you dispute ay pre-authorised Trasactio, you must tell us about this as soo as possible. If the dispute relates to the amout of ay Trasactio where the amout of the Trasactio exceeds the amout that you reasoably expected (other tha as a result of exchage rate fluctuatios), you must tell us withi eight weeks from the date o which the Trasactio was put o your Accout as you are etitled to a full refud. The right to a refud does ot apply where you have give coset to the Trasactio to be made ad iformatio about the Trasactio was provided at least four weeks before the date o which paymet is due You caot use a claim agaist a supplier as a reaso for ot makig paymets to us uless you have a legal right to do so Where a shop or other perso you have paid usig your Card gives you a refud, your Accout will be re-credited whe we receive a acceptable refud voucher. Ay refud will be treated as a paymet towards your Accout balace ad allocated i accordace with Coditio 7. This meas it may ot pay off the specific Trasactio to which it related. 19 Your statemet 19.1 We will sed you a statemet each moth that there is activity or a balace o the Accout. The statemet will show your paymets ad all Trasactios ad other amouts added to your Accout sice the last statemet You must make the miimum paymet each moth eve if you do ot receive a statemet for ay reaso. I these cases you must cotact us to fid out the miimum paymet due that moth. If you do ot receive a statemet, you will still have to pay ay iterest o the balace of your Accout You must tell us as soo as possible if you thik the statemet is wrog or if you do ot receive a statemet.

9 Credit Cards TermsadCoditios Page 9 of You agree that, if Olie Bakig is available o your Accout, we may make your statemets available i a pritable ad/or dowloadable format via the documet store. You will receive a whe a documet is ready to view. You ca choose ot to receive statemets i this way i which case they will be set to the most recet postal address we have for you. 20 Remote access ad security 20.1 If you have bee provided with Persoal Security Details, you will be able to use them to operate your Accout, ad ay other Satader Group accouts you may have, usig the iteret, telephoe ad other chaels, which may be available for your Satader Group accouts from time to time Wheever you use the iteret, telephoe or other chaels to access your Satader Group accouts, the use of your Persoal Security Details authorises us to provide the service you requested We may withdraw ay or all of your Persoal Security Details if we believe that this is ecessary for security reasos or to prevet misuse of remote access services or of your Accout You ad each additioal cardholder must: a) make sure that each physical Card is siged as soo as you receive it; b) keep your Persoal Security Details ad Card safe ad ot let ayoe else kow them or use them; c) make sure you kow your Persoal Security Details, PIN ad other security iformatio ad keep them secret at all times, icludig destroyig the otificatio we sed you; d) take care whe storig or disposig of iformatio about your Accout; ad e) comply with the security procedures we tell you about from time to time If your Card is lost or stole or you thik that it or the Persoal Security Details or Card umber may be misused, or that someoe may kow your Persoal Security Details or PIN, you must tell us as soo as possible by telephoig * or writig to Credit Card Customer Service, Satader UK plc, PO Box 983, Bradford BD1 9FE. Ifweask, you must write to us withi seve days You must give us all the iformatio you have about the loss, theft or misuse of the Card, Card umber, Persoal Security Details or the PIN, ad ay other iformatio we ask for to help us. We may give the police ay iformatio we thik will be useful You will ot have to pay for ay uauthorised use of your Card or PIN after you have told us that it is lost or stole or you thik that it may be misused by someoe other tha you or a additioal cardholder, uless you or a additioal cardholder have acted frauduletly or were resposible for the misuse, for example by allowig someoe else to have the Card. You may have to pay us up to 0 for uauthorised use before you let us kow that your Card or PIN is lost, stole or liable to misuse You must ot damage or deface ay Card or iterfere with ay chip i a Card at ay time except those Cards that have to be cacelled, withdraw or have expired, which must be destroyed by cuttig them ito several pieces Our fraud detectio systems highlight suspicious spedig patters. We may call you if suspicious Trasactios appear o your Accout. These calls may iclude computer geerated speech. If you do ot wat us to call you this way, please phoe us o * To prevet ad detect fraud, where we hold iformatio about devices you use such as mobiles or tablets, we may use locatio or other data from these devices. For example, we may check if you are i the coutry where your paymets are beig made i istaces where we suspect fraud o your Accout. We will ot use this iformatio for ay other purpose If you provided your mobile phoe umber or address, we will register you for our free accout alerts service so that we ca sed you messages to otify you of certai activity o your Accout. We ll use the most recet cotact details we hold for you. Where the messages are ot a regulatory requiremet we will give you the optio to opt-out You coset to us usig your iformatio to provide paymet services to you. If you withdraw this coset, we will stop providig paymet services but may still use your data where we have lawful grouds to do so (for example because we eed to retai records for regulatory purposes). 21 Third Party Providers 21.1 You ca istruct a TPP to access olie iformatio o your Accout ad make olie Balace Trasfers from your Accout as log as they have idetified themselves to us ad acted i accordace with the relevat regulatory requiremets. We will treat ay istructios from a TPP as if they are from you Although you must ot, geerally, give your security details to ayoe else, you may give them to a TPP if they ask for them For a iitial iterim period (expected to be o more tha 18 moths from Jauary 2018), some TPPs may (with your permissio) choose to access your Accout without idetifyig themselves to us. As a result, it is importat that you check that ay TPP you use is authorised to access your Accout. They should make this clear from the iformatio they give you. You must ot give your security details to a third party that is t authorised. If you do, we ll have to assume it s you that s authorisig us to give access to iformatio about your Accout ad you ll be resposible for ay paymets made as a result We ca refuse a istructio from a TPP for the reasos set out i Coditio 15.3 ad may dey them access to your Accout where we are cocered about uauthorised or fraudulet access by that TPP. Before doig so, we will tell you that we ited to dey access ad give our reasos for doig so, uless it is ot reasoably practicable to do so, i which case we will tell you immediately afterwards. I either case, we will tell you i the maer i which we cosider most appropriate i the circumstaces. We will ot tell you where doig so would compromise our reasoable security measures or otherwise be ulawful. If we dey access to a TPP, we must also tell our regulator that we have doe so. 22 Chages to this agreemet 22.1 We may chage fees ad charges (icludig removig or addig fees or charges) for reasos which are persoal to you ad which may be based o a umber of factors, such as credit risk (which may iclude use of exteral credit referece data), the way you use your Accout ad whether you break the terms of this agreemet We may also chage fees ad charges (icludig removig or addig fees or charges) ad other terms where the chage is to: a) take accout of a actual, or reasoably expected, chage i the iterest rates we have to pay for example as a result of a chage to the Bak of Eglad Base Rate; or b) reflect a actual, or reasoably expected, chage i our uderlyig costs or i law or regulatio or to our way of doig busiess, icludig the itroductio of ew techology; or

10 Credit Cards TermsadCoditios Page 10 of 12 c) reflect ay other actual or reasoably expected chage that affects us if it is reasoable for us to pass the impact of the chage o to you. Ay chage we make will ot be more tha is reasoably proportioate to the impact of the uderlyig chage o us. We will ot make chages to cover the same cost twice As this agreemet has o fixed ed date, we may also chage fees ad charges (icludig removig or addig fees or charges) ad other terms at ay time We will give you at least 30 days otice before we make a chage uder Coditio 22.1, 22.2 or 22.3 uless it is to your advatage, i which case we may make the chage immediately ad tell you about it withi 30 days. If a chage is to your disadvatage you ca write to us withi 60 days to close your Accout. If you do, the chage will apply util the agreemet eds We will let you kow about ay chages by post, , your statemet, or via the documet store i Olie Bakig. 23 Edig the agreemet 23.1 You may ed this agreemet at ay time by writig to our Customer Service Departmet at the address i Coditio 20.5 or callig us o * ad payig the full amout you owe us. Uless there are exceptioal circumstaces we will give you two moths writte otice if we decide to ed this agreemet. You must cotiue to pay iterest o all amouts you owe us eve after the Accout is termiated or closed We may demad repaymet of the full amout you owe us (icludig ay Special Trasactios) if: a) we fid out that our decisio to led to you was based o iaccurate, misleadig or icomplete iformatio; or b) you break this agreemet regularly or seriously, die, become bakrupt or make a volutary arragemet with other people you owe moey to; or c) you have broke the terms of aother agreemet you have with us ad as a result we have give you otice edig that agreemet ad we have reasoable grouds for thikig that you may ot be able to cotiue makig paymets uder this agreemet. Before makig ay demad we will provide you with ay otices required by law We may close your Accout (by providig two moths writte otice), cacel or susped your right to use your Accout or reduce your Credit Limit if it has bee dormat, meaig there have bee o Trasactios or a zero balace for a period of six moths or more. Before we close, cacel or susped your right to use your Accout, we will cotact you to determie whether you ited to make ay further Trasactios o your Card Oce otice has bee give, Cards, Card umbers ad PINs must ot be used ad you must destroy them or, if we ask you to, retur all Cards havig cut them ito several pieces ad cacel ay istructios or authorities you have give others to charge your Accout. You must cotiue to make all paymets due uder this agreemet, which will cotiue util you have repaid all amouts owed to us, icludig amouts added to the Accout after the otice to ed the agreemet. 24 Geeral 24.1 For commercial reasos, we (or aother Satader Group compay) may decide to chage the isurers that provide your isurace beefits. If that happes, we (or they) will write to you ot less tha 30 days before your curret isurace expires with details of the ew isurer ad ay chages to the terms ad coditios of your cover. We (or other Satader Group compaies) may trasfer your persoal iformatio to ay such ew isurer to eable that isurer to provide your cover. You coset to the ew isurer providig isurace cover to you. This coset will esure that there is o break i your isurace cover ad does ot affect your right to cacel your credit agreemet. You may cacel this coset at ay time but if you do so, your isurace policy will termiate if we decide to chage the isurer You must have a UK residetial address. You must tell us if you chage your address or cotact details or if you or a additioal cardholder chage ame We may trasfer to ay other perso or busiess ay or all of our rights uder this agreemet at ay time ad our duties (icludig, without limitatio, our duty to led to you). If the arragemets for servicig your Accout do ot chage as a result of this assigmet, we may do this without otice, but we will tell you if ad whe the arragemets do chage. I other cases we will give you otice as soo as reasoably possible. Your rights uder this agreemet ad your legal rights (icludig uder the Cosumer Credit Act 1974) will ot be affected This agreemet is govered by the law of Eglad ad Wales (uless the address from which you made your applicatio was i Scotlad whe Scots law shall apply) which will also gover the relatioship betwee us ad you before the coclusio of this agreemet. The courts of Eglad ad Wales have o-exclusive jurisdictio for ay related disputes. We will oly commuicate with you i Eglish If we do ot strictly apply our rights uder this agreemet at ay time, this will ot prevet us from doig so later There may be other taxes or costs, which are ot paid through us or charged by us, that you have to pay i coectio with this agreemet We will ot be liable if we are preveted from doig aythig we have said we will do uder this agreemet because of aythig that we caot reasoably cotrol, icludig ay machie failig to work, ay perso, compay or supplier refusig to accept ay Card ad idustrial disputes You may at ay time durig the term of this agreemet request a copy of this agreemet. 25 Complaits ad how we are regulated 25.1 If you have a complait, please cotact our dedicated complaits departmet o *.We llaimtoprovideyouwitha decisio as quickly as we ca. Our complaits leaflet is available upo request ad cotais further iformatio o our complaits process, icludig the hadlig timescales. This iformatio is also available o our website at satader.co.uk. You may also be able to refer your complait to the Fiacial Ombudsma Service. Details of how to complai to the Fiacial Ombudsma Service are available at: Alteratively, if you origially opeed your credit card with us olie, you could submit your complait through the Europea Commissio s Olie Dispute Resolutio website. The Europea Commissio may ultimately forward your complait to the Fiacial Ombudsma Service. You ca fid out more iformatio at The Fiacial Coduct Authority, 25 The North Coloade, Caary Wharf, Lodo E14 5HS is the supervisory authority uder the Cosumer Credit Act We adhere to The Stadards of Ledig Practice which are moitored ad eforced by the LSB: