Common use of Payment Options Clause in Contracts

Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using and Sharing Your Information. When you applied for an account, you gave us, dealers/merchants/retailers that accept the card and program sponsors information about yourself that we could share with each other. Dealers/Merchants/Retailers that accept the card and program sponsors (and their respective affiliates) will use the information in connection with the credit program and for things like creating and updating their records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You agree to tell us right away if you change your address or phone number(s). We will contact you at the address or phone number in our records until we update our records with your new address or phone number. Consent to Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you using any communication channel. This may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carriers when we contact you.

Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept We will provide you with full details of all the card and payments. We may allow payment options available to you to make payments over the phone but when we will charge provide you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on with your billing statementinsurance premium. If you choose to enter into a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and you should contact us at the address given in this document if you do notnot want your details passed to that party. This finance arrangement will be subject to interest charges that we will confirm to you when providing the full details. Importantly, credit the arrangement you will enter into will be with the finance company not us. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment may the finance provider could approach the insurer to seek a termination of the insurance contract to recoup their outstanding finance arrears. You will be delayed liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you read the finance agreement that is sent to five daysyou before you agree to enter into such an agreement. We do not charge any fees to you for introducing you to a credit provider If you are a consumer as defined under the Consumer Credit Act, you will have the benefit of a 14 day cooling off period. Please Note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it. Your billing statement also explains how information on Right to Cancel (Applicable to Consumers only) Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason, subject to no claims having occurred, within 14 days of receiving the full terms & conditions. You will always be advised where this Right applies. A charge may apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section above, cancellation under this right must be in writing, prior to expiry of the cancellation period, to our usual office address. Complaints Our aim is always to provide our customers with a first-class service; however we are aware that, occasionally, it is possible that we may fail to meet your check is usedexpectations. Payment AllocationIf for any reason we have not met your expectations, let us know as soon as possible, by calling our main office telephone 00000 000 000, or write to The Complaints Manager, Xxxxxx Xxxxx Ltd., 00 Xxxxx Xxxxxx, Exmouth, Devon. EX8 2SN or email xxxxxxxxxx@xxxxxx-xxxxx.xx.xx. If we are unable to resolve the issue to your satisfaction by the end of the next business day, we will formally investigate the matter. You will receive an acknowledgement of the matter together with a copy of our complaints process promptly and certainly within 5 working days. We will apply then aim to investigate and provide a resolution as quickly as possible, informing you of a final response no later than 8 weeks. If you are not happy with our response, or the required total minimum payment position after a period of 8 weeks, you may be eligible to balances refer your complaint to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. The FOS Consumer Helpline is on your account using any method 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx A full copy of our complaints procedure is available on request. Financial Services Compensation Scheme (FSCS) If we chooseare unable to meet our obligations, you may be entitled to compensation from the FSCS. Any payment If we have advised or arranged insurance for you make in excess of the required total minimum payment this will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in covered for 90% of a different manner in claim, without any upper limit, however claims under compulsory insurance, professional indemnity insurance and certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using and Sharing Your Information. When you applied for an account, you gave us, dealers/merchants/retailers that accept the card and program sponsors information about yourself that we could share with each other. Dealers/Merchants/Retailers that accept the card and program sponsors (and their respective affiliates) will use the information in connection with the credit program and for things like creating and updating their records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You agree to tell us right away if you change your address or phone number(s). We will contact you at the address or phone number in our records until we update our records with your new address or phone number. Consent to Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you using any communication channel. This may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carriers when we contact you.claims