Common use of Refusal of Transactions Clause in Contracts

Refusal of Transactions. 7.1. We may at any time: • refuse to allow or authorise payment under any Transaction; • suspend, restrict or terminate your (or any Additional Cardholder’s) right to draw upon credit; and/or • withdraw the Card. If We refuse to authorise or otherwise decline a Transaction, You will be told in accordance with Clause 8.2 of the Card Issuer’s Terms and Conditions. If We take any of the other steps listed above, then We will tell You. We will also tell You why We have suspended, restricted or withdrawn your use of the Card and your use of the Account, unless legal reasons mean that We cannot give You this information. We will give You advance written notice if possible; otherwise, We will give You written notice immediately after taking the relevant steps. 7.2. We will be entitled to take the steps referred to in clause 7.1 above if: • You are in breach of this Agreement; • We have reasonable grounds to believe that there is a significantly increased risk that You are getting into, or are in financial difficulties, or are or may become bankrupt or subject to a voluntary arrangement or are unable to fulfil your obligations to repay the credit; • (being an individual) You die; • We have reasonable grounds to suspect unauthorised use of the Card, fraud, theft or dishonesty; • there is a change in your personal risk profile; • any information provided by You to us is inaccurate or misleading; • We have any legal, regulatory or other objectively justifiable reason. 7.3. If a Transaction is refused this Agreement will, subject to Clause 6, continue and neither We nor the Card Issuer shall be responsible or incur liability for any loss or damage You may suffer as a result.

Refusal of Transactions. 7.1. 7.1 We may at any time: • refuse to allow or authorise payment under any Transaction; . • suspend, restrict restrict, or terminate your (or any Additional • Cardholder’s) right to draw upon credit; and/or and or • withdraw the Card. . 7.2 If We refuse to authorise or otherwise decline a Transaction, You you will be told in accordance with Clause 8.2 of the Card Issuer’s Terms and Conditions. If We take any of the other steps listed above, then We will tell You. We will also tell You why We have suspended, restricted or withdrawn your use of the Card and your use of the Account, unless legal reasons mean that We cannot give You this information. We will give You advance written notice if possible; otherwise, We will give You written notice by email immediately after taking the relevant steps. 7.2. 7.3 We will be entitled to take the steps referred to in clause Clause 7.1 above if: • You are in breach of this Agreement; . • We have reasonable grounds to believe that there is a significantly increased risk that You are getting into, or are in financial difficulties, or are or may become bankrupt or subject to a voluntary arrangement or are unable to fulfil your obligations to repay the credit; . • (being an individual) You die; . • We have reasonable grounds to suspect unauthorised use of the Card, fraud, theft theft, or dishonesty; . • there is a change in your personal risk profile; . • any information provided by You to us is inaccurate or misleading; . • We have any legal, regulatory regulatory, or other objectively justifiable reason. 7.3. If a Transaction is refused this Agreement will, subject to Clause 6, continue and neither We nor the Card Issuer shall be responsible or incur liability for any loss or damage You may suffer as a result.