Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. American Express ® Card Benefits Membership Rewards® Terms and Conditions
Appears in 5 contracts
Samples: Your Agreement, Your Agreement, Your Agreement
Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Transfer of Data Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. American Express ® Nectar Credit Card Benefits Membership Rewards® Points Nectar Credit Card Points Terms and Conditions Introduction What is this document? These Terms and Conditions govern the issuance of Nectar Credit Card Points (Points or Nectar Points) to you as part of the Nectar Loyalty Programme associated with your Nectar Credit Card account (Card Account). When you sign the agreement for your Card Account (your Card Account Agreement), you agree to be bound by these Terms and Conditions. The Nectar Loyalty Programme is operated by AIMIA Coalition Loyalty UK Ltd and is subject to Nectar collector rules which can be found on their website (xxxxxx.xxx) About earning Points How do you earn Points? You will earn Points for purchases on your Card Account. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn Points at the rate of 2 Points for every £1 spent on purchases on your Card Account except for purchases made at warehouse retailers in the United Kingdom where you will earn Points at the rate of 1 Nectar Point for every £1 spent on purchases. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (xxxxxxxxxxxxxxx.xx.xx) or calling us on the telephone number on the back of your card. Points are earned on every full pound spent on each purchase. The value of each purchase will be rounded down to the nearest pound before Points are calculated. For example, if you make a purchase of £25.99, if Points are earned at the rate of 2 Points per £1, you will earn 50 points (i.e. £25.99 rounded down to £25.00 x 2 points). Your points will show on your American Express Points balance up to three days after you have made the relevant purchase. You can check this at xxxxxxxxxxxxxxx.xx.xx. Your accrued Points will be transferred to your Nectar account approximately 6 days prior to your statement date. You can check your Nectar points balance at xxxxxx.xxx. Which Card Account balances do not earn Points? No Points will accrue on: interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. When you might lose Points you have earned Losing your Points Points will no longer accrue on your American Express Points balance if you are behind with your payments on your Card Account and we stop you from making further purchases on your Card Account or on another Account you have with us. All the Points earned on your American Express Points balance will be forfeited if you miss two consecutive monthly payments on your Card Account. What happens if you close your Card Account? If you close your Card Account you will no longer earn Points and any Points that have not yet appeared on your American Express Points balance will be forfeited. Any Points already in your American Express Points balance will still be transferred to your Nectar account. What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, you will no longer earn Points and any Points that have not yet appeared on your American Express Points balance will be forfeited. Any Points already in your American Express Points balance will still be transferred to your Nectar account. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the rate at which you earn Points, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Withdrawing you from Nectar Points or ending the issuance of Nectar Points We will withdraw you from Nectar Points if we close your Card Account in accordance with the Card Account Agreement. We may also withdraw you from Nectar Points or end the issuance of Nectar Points altogether by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits. Fraud and Abuse of Nectar Points If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to Nectar Points, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include withdrawing you from Nectar Points and/or closing your Card Account and/or forfeiting your Points. Claims against rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as rewards by third parties under the Nectar Loyalty Programme. The provision of these goods and services by such third parties may also be subject to separate Terms and Conditions.
Appears in 3 contracts
Samples: Your Agreement, Your Agreement, Your Agreement
Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Transfer of Data Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. American Express ® Card Benefits Membership Rewards® Cashback Terms and Conditions Introduction What is this document? These Terms and Conditions govern the Cashback programme (Programme) associated with your card account (Card Account) under which you earn cashback (Cashback). When you sign the agreement for your Card Account (your Card Account Agreement), you agree to be bound by these Terms and Conditions. About earning Cashback How do you earn Cashback? You will earn Cashback for purchases on your Card Account. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn Cashback at the rate of: • 0.5% for the first £5,000 of purchases on your Card Account in the preceding 12 months; and • 1% on purchases on your Card Account over £5,000 in the preceding 12 months, except for purchases made at warehouse retailers in the United Kingdom where you will earn Cashback at the rate of 0.5%. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (xxxxxxxxxxxxxxx.xx.xx) or calling us on the telephone number on the back of your card. Cashback is earned on every full pound spent on each purchase. The value of each purchase will be rounded down to the nearest pound before Cashback is calculated. Cashback amounts earned will be rounded down to the nearest full xxxxx. For example, if you make a purchase of £25.99, if Cashback is earned at the rate of 0.5% (0.5% of £25.00, i.e. 12.5p, rounded down to the nearest full xxxxx) 12p Cashback will accrue. You must have made purchases on your Card Account of at least £3,000 within the card membership year applicable to your Card Account to be eligible to receive your Cashback. Which Card Account balances do not earn Cashback? No Cashback will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Note that if Cashback is earned on a transaction that is later refunded, that Cashback will be lost. About paying you Cashback How do we pay Cashback? Unless we tell you otherwise (with advance notice), Cashback will be paid to you by crediting your Card Account in the month after your card anniversary date with the Cashback earned in the preceding 12 months. Note that if you have changed the payment due date under your Card Account Agreement, this may also affect when Cashback will be paid to you. Cashback is not redeemable for cash or a credit to your Card Account, except as set out in these Terms and Conditions. When you might lose Cashback you have earned Losing your Cashback All your Cashback earned will be forfeited if you miss two consecutive monthly payments on your Card Account. You will start earning Cashback again when payments to your Card Account are up to date. What happens if you close your Card Account? If you close your Card Account you will lose the Cashback that has been earned but not yet been applied to your Card Account as an annual credit. What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, you will lose the Cashback that has been earned but not yet been applied to your Card Account as an annual credit. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the rate at which you earn Cashback, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Withdrawing you from the Programme or ending the Programme We will withdraw you from the Programme if we close your Card Account in accordance with the Card Account Agreement. We may also withdraw you from the Programme or end the Programme by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits. Fraud and Abuse of the Programme If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include withdrawing you from the Programme and/or closing your Card Account and/or forfeiting your Cashback. Claims against rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as rewards by third parties. Third party rewards may also be subject to separate Terms and Conditions.
Appears in 1 contract
Samples: Your Agreement
Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Transfer of Data Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. British Airways American Express ® Credit Card Benefits Membership Rewards® Avios Terms and Conditions Introduction What is this document? These Terms and Conditions govern the Avios programme (Programme) associated with your card account (Card Account) under which you earn Avios (Avios). When you sign the agreement for your Card Account (your Card Account Agreement), you agree to be bound by these Terms and Conditions. Avios points (Avios) are issued by British Airways Plc and are also subject to BA Executive Club Terms and Conditions which can be found on the BA website (XX.xxx). About earning Avios How do you earn Avios? You will earn Avios for purchases on your Card Account. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn Avios for purchases at the rate of 1 Avios for every £1 spent. Avios are calculated on the amount of the purchase and then rounded up or down to the nearest full Avios. For example, if you make a purchase of £25.99, if Avios are earned at the rate of 1 Avios per £1 (£25.99 x 1, i.e. 25.9 rounded to the nearest full Avios) 26 Avios will accrue. Your Avios will show on your American Express Avios balance up to three days after you have made the relevant purchase. You can check this at xxxxxxxxxxxxxxx.xx.xx. Your accrued Avios will be transferred to your BA Avios balance approximately 6 days prior to your statement date. You can check your balance at xx.xxx. Which Card Account balances do not earn Avios? No Avios will accrue on: interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Note that if Avios is earned on a transaction that is later refunded, those Avios will be lost. Avios will no longer accrue if you are behind with your payments on your Card Account and we stop you from making further purchases on your Card Account or on another account you have with us. When you might lose Avios you have earned Losing your Avios All your Avios earned will be forfeited if you miss two consecutive monthly payments on your Card Account. What happens if you close your Card Account? If you close your Card Account you will no longer earn Avios and any Avios that have not yet appeared on your American Express Avios balance will be forfeited. What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, you will no longer earn Avios and any Avios that have not yet appeared on your American Express Avios balance will be forfeited. Any Avios already in your American Express Avios balance will still be transferred to you British Airways Avios balance. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the rate at which you earn Avios, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Withdrawing you from the Programme or ending the Programme We will withdraw you from the Programme if we close your Card Account in accordance with the Card Account Agreement. We may also withdraw you from the Programme or end the Programme by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits.
Appears in 1 contract
Samples: Your Agreement
Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Transfer of Data Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. The Starwood Preferred Guest ® Credit Card from American Express ® Starpoints Terms and Conditions Introduction What is this document? These Terms and Conditions govern the Starpoints programme (Programme) associated with your card account (Card Benefits Membership Rewards® Account). When you sign the agreement for your Card Account (your Card Account Agreement), you agree to be bound by these Terms and Conditions. Starwood Preferred Guest Starpoints (Starpoints) are issued by Starwood Hotels & Resorts Worldwide, LLC (a subsidiary of Marriot International, Inc.) and its affiliates and are subject to Starwood Preferred Guest program Terms and Conditions. Please go to xxx.xxx to view these. About earning Starpoints How do you earn Starpoints? You will earn Starpoints for purchases on your Card Account. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn Starpoints at the rate of 1 Starpoint for every £1 you spend on purchases on your Card Account except for purchases made at warehouse retailers in the United Kingdom where you will earn Starpoints at the rate of 1 Starpoint for every £2 you spend on purchases. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (xxxxxxxxxxxxxxx.xx.xx) or calling us on the telephone number on the back of your card. Starpoints are earned on every full pound spent on each purchase. The value of each purchase will be rounded down to the nearest pound before Starpoints are calculated. For example, if you make a purchase of £25.99, if Starpoints are earned at the rate of 1 Starpoint per £1, you will accrue 25 Starpoints (i.e. £25.99 rounded down to £25.00). Your Starpoints will show on your American Express Starpoints balance up to three days after you have made the relevant purchase. You can check this at xxxxxxxxxxxxxxx.xx.xx. Your accrued Starpoints will be transferred to your Starwood Preferred Guest programme's Starpoints balance approximately 6 days prior to your statement date. You can check your Starwood Preferred Guest Starpoints balance at xxx.xxx. Which Card Account balances do not earn Starpoints? No Starpoints will accrue on: interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Note that if Starpoints are earned on a transaction that is later refunded, those Starpoints will be lost. When you might lose Points you have earned Losing your Starpoints Starpoints will no longer accrue if you are behind with your payments on your Card Account and we stop you from making further purchases on your Card Account or on another Account you have with us. What happens if you close your Card Account? If you close your Card Account, you will no longer earn Starpoints and any Starpoints that have not yet appeared on your Starpoints balance will be forfeited. Any Starpoints already in your American Express Starpoints balance will still be transferred to your Starwood Preferred Guest programme's Starpoints balance. What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account agreement, you will no longer earn Starpoints and any Starpoints that have not yet appeared on your American Express Starpoints balance will be forfeited. Any Starpoints already in your American Express Starpoints balance will still be transferred to your Starwood Preferred Guest programme's Starpoints balance. Other important information Changes to these Terms and Conditions We may change these Terms and Conditions, including the rate at which you earn Starpoints, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Withdrawing you from the Programme or ending the Programme We will withdraw you from the Programme if we close your Card Account in accordance with the Card Account Agreement. We may also withdraw you from the Programme or end the Programme by giving you at least 30 days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits. Fraud and Abuse of the Starpoints Programme If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include withdrawing you from the Programme and/or closing your Card Account and/or forfeiting your Starpoints. Claims against rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as rewards by third parties. Third party rewards may also be subject to separate Terms and Conditions.
Appears in 1 contract
Samples: Your Agreement
Electronic or telephone. communications If you contact us by any electronic means, we may record the telephone number or internet protocol address, associated with that means of contacting us at the time. You can find additional information about the information that we collect via electronic means in our Online Privacy Statement available at xxxxxxxxxxxxxxx.xx.xx. We may monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, to assist, where appropriate, in dispute resolution and to assist us in ensuring we comply with our legal obligations. International Transfer of Data Personal Information may be: Transfer of Data • processed outside the UK and EU including in the USA where our main operational data centre is located; and/or • disclosed to or accessed in other countries outside the EU when you travel or make foreign purchases (by mail, email, telephone, or via the internet or other electronic means), and for the purpose of administering your Account. In this case, we will take appropriate steps to ensure the same level of protection for your information in other countries outside the EU, including the USA, where data protection laws may not be as comprehensive as in the EU. Security We use advanced technology and well-defined employee practices to help ensure that your information is processed promptly, accurately, completely and securely. The processing of your information will be performed by manual and automated means. In order to maintain the effectiveness and security of these systems, policies and procedures, we may also from time to time process your information for internal testing purposes. Retention of Information We keep Personal Information for the purposes described in this privacy statement for as long as is appropriate to fulfil our legal obligations in accordance with applicable law. If your Account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk practices, this information may be retained by us for longer periods of time and may be considered if you choose to apply for American Express products in the future. Access to your Information You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your Personal Information please write to us at the address below in the 'Query or Complaint' section of this privacy statement, call us on the number on the back of your card, or you can contact us by our messaging centre via your online account. There may be a small charge for this, as permitted by law. Correction of Inaccurate Information We encourage you to check regularly that all your Account information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete you may ask us to correct or remove this information from our records. We recommend that you go to xxxxxxxxxxxxxxx.xx.xx, log in, and update your personal information. If you prefer, you can write to us at the address below in the “Query or Complaint” part of this privacy statement. Any information which is found to be incorrect or incomplete will be corrected promptly. Changes to this privacy statement We may change any provision of this statement at any time. We may inform you of any such change in accordance with the section of the agreement governing use of your card which deals with changes. Query or Complaint In the event of any query or complaint in connection with the information we hold about you, please write to American Express Services Europe Limited, Dept. 2007, Upper Ground Floor, 0 Xxxx Xxxxxx, Brighton, East Sussex, BN88 1NH. British Airways American Express ® Premium Plus Card Benefits Membership Rewards® Avios Terms and Conditions
Appears in 1 contract
Samples: Your Agreement
