Common use of TPP Clause in Contracts

TPP. If we do this, we will tell you why (unless doing so would compromise our reasonable security measures or otherwise be unlawful). You must check the information provided to you by the TPP, to ensure that they are authorised or permitted by law to provide payment services to you. If we become aware that an unauthorised third party is using your security details, we may block access to your account. Can you make a claim against us where you have a claim against a supplier? If you purchase any item of goods or any services costing between £100 and £30,000 under this Agreement you may have a right to claim against us as well as the supplier if, for example, the goods fail to arrive or are not of satisfactory quality or the supplier made a representation which you relied on about the goods which was not accurate. However, if you have a dispute with someone else over a transaction, you must keep making payments to us while you are resolving it. How can you make a payment? Direct Debit Call us or go to online account manager to set up a Direct Debit which means that we will ask for a payment from your bank each month automatically. You can choose how much you want to pay each month as long as it is not less than the contractual minimum payment, including: • the contractual minimum payment and your total monthly instalment payment (if any) and any recommended extra payment; • the contractual minimum payment and your total monthly instalment payment (if any) and a regular boost payment; • the full balance (including any Buy Now Pay Later balances and any instalment plan balances); or • a fixed amount. If you have previously opted to pay the contractual minimum payment and we recommend an extra payment then, unless you tell us you would prefer not to pay the recommended extra payment, we will increase the amount that we collect by Direct Debit that month to ensure that your recommended extra payment is paid. We will also increase the amount to cover any instalment payments. We will tell you how you can let us know that you do not want to make a recommended extra payment. If you have opted to pay a fixed amount and this amount is not enough to pay your contractual minimum payment and any instalment payments, we will increase the amount that we collect by Direct Debit that month to ensure that these payments are made. If you pay by Direct Debit and any previous contractual minimum payments have still not been paid, we will always make sure that the Direct Debit amount we collect will be sufficient to pay these. Please note: if we believe your bank may have cancelled your Direct Debit as it has not been used for an extended period of time, we may not attempt to collect future payments this way. If this is the case, we will let you know. Online You can register for online account management and make payments using a debit card. Allow one working day for the payment to reach your account. Automated telephone service • Call 0000 000 0000* to make a payment 24 hours a day. Internet Banking/Telephone Banking Contact your bank or building society and use the following details: Account number: 00000000 Sort code: 09-01-09 You should use your 16 digit NewDay account number as a reference. At a bank Use the payment slip provided with your paper statement (if available) and make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. Allow 5 working days for the payment to reach your account. Cheques Make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. If you are paying more than one account with a single cheque, tell us the amount to be credited to each account. Send your payment to: NewDay Ltd XX Xxx 000 Xxxxxxxxx X00 0XX You should allow 7 working days for the payment to reach your account. What happens if you cannot make a payment or access your account? We will not be liable for any loss due to: • any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment, or other unusual or unforeseeable causes beyond our reasonable control; or • a retailer or cash machine not accepting, or retaining, your card, or the way in which this is conveyed to you. How and when can this Agreement be ended? You can end this Agreement at any time and without charge by giving us notice and paying your balance in full. We can end the Agreement by giving you 2 months’ notice in writing. In each case, you (and any additional cardholder) must stop using the account. The Agreement will continue until you have repaid everything you owe. If: • you repeatedly fail to pay contractual minimum payments on time or go over your credit limit; or • we find that any information you provided as part of your application was materially incorrect or misleading; or • you are declared bankrupt or have similar proceedings taken against you; or • we reasonably suspect any fraud or other criminal activity in connection with this Agreement or you have been using the card for an illegal purpose; we can: • demand immediate repayment of the amount you owe on the account; • disclose information about you and the conduct of your account to licensed credit reference agencies (which would make it more difficult for you to borrow in future); • bring legal action to recover what you owe us (which could include getting a court order giving us the right to payment out of the sale proceeds for your home or other property); and • require you to pay our reasonable costs and expenses for taking action to obtain payment, including legal costs; but we will give you advance notice and the chance to fix the breach before taking any of these steps (unless the problem cannot be fixed). If we choose not to enforce our rights under this Agreement at any time, we may enforce them at a later date instead. Clearing your balance You can pay off all or part of your balance at any time. We process payments automatically so if we accept a part payment marked “payment in full” or similar words, we may still claim the full amount outstanding. Payment scheme Logo If your card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without that logo may be used at the retailer whose name is on the card and, if we let you know that you can (i) at other retailers in that group and (ii) at other suppliers, but not elsewhere. If you have a card without a payment scheme logo on it, we may replace it with a card with the logo, unless you have told us not to and we may replace a card with a different payment scheme logo on it as long as we think that you will get the same or better service. Can we transfer our rights and obligations under this Agreement? We may transfer our rights and our obligations under this Agreement to someone else, including information about you and how you have managed your account. We will tell you if we do this unless there are circumstances which mean that the servicing of your account will not change. Your rights under this Agreement and any legal rights you have, for example, under the Consumer Credit Xxx 0000, will not be affected by any transfer. You cannot transfer any rights you have under this Agreement to anyone else. What law governs this Agreement? This Agreement and our dealings with you before the Agreement is made are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in: • Scotland (where it will be dealt with by the courts of Scotland); or • Northern Ireland (where it will be dealt with by the courts of Northern Ireland). This Agreement will be provided in English only. Important information How we use your information You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes. How you can contact us You must let us know of any changes to your contact details immediately. If you need to update your contact details, ask for information, tell us that you want to withdraw from the Agreement or make a complaint please: • write to: NewDay Ltd, Customer Service Department, X.X.Xxx 000, Xxxxx XX00 0XX • call 0000 000 0000* • online: go to xxx.xxxxxx.xx.xx and select “contact us” • We and our authorised agents and representatives may record and/or monitor telephone conversations with you and any additional cardholder so that we can maintain our service standards. How we will contact you We will communicate with you in English. We may give you notices or other information about your credit card, for example, in your monthly statements (in paper and electronic). We will use the most recent address (post and email) and telephone and mobile numbers you have given us for all purposes. If we need to contact you about any actual or suspected fraud or security threats, we will do this using the fastest and most secure way of contacting you (for example, we may try to send a text message rather than telephone). How can you make a complaint? If we do not provide the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again. You can contact us using the details above. If you are not happy with the way that we deal with your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx X00 0XX, calling 0000 000 0 000 or 0000 000 0 000 or sending an email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx. uk. You can find out more about the Financial Ombudsman service on their website at xxx.xxxxxxxxx-xxxxxxxxx.xx.xx. If you applied for your card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The email address to include in the ODR form is XXX@xxxxxx.xx.xx. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website (xxxxxxx.xx.xxxxxx.xx/xxx/xxxx/xxxxx.xxx). Our credit card customers would not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities. Who we are and how we are regulated NewDay Ltd is a company registered with the Registrar of Companies for England and Wales, Company Number 7297722, Registered Office: 0 Xxxxxxxxx Xxxxxx, London, N1C 4DA. We provide credit products to consumers and we are authorised and regulated by the Financial Conduct Authority (reference number 690292); NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number 555318) for the provision of payment services. The Financial Conduct Authority can be contacted at 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX or by using the details provided at xxx.xxx.xxx.xx/xxxxxxx. We are a member of the Finance and Leasing Association (the FLA). We subscribe to the code of the FLA.

TPP. If we do this, we will tell you why (unless doing so would compromise our reasonable security measures or otherwise be unlawful). You must check the information provided to you by the TPP, to ensure that they are authorised or permitted by law to provide payment services to you. If we become aware that an unauthorised third party is using your security details, we may block access to your account. Can you make a claim against us where you have a claim against a supplier? If you purchase any item of goods or any services costing between £100 and £30,000 under this Agreement you may have a right to claim against us as well as the supplier if, for example, the goods fail to arrive or are not of satisfactory quality or the supplier made a representation which you relied on about the goods which was not accurate. However, if you have a dispute with someone else over a transaction, you must keep making payments to us while you are resolving it. How can you make a payment? Direct Debit Call us or go to online account manager to set up a Direct Debit which means that we will ask for a payment from your bank each month automatically. You can choose how much you want to pay each month as long as it is not less than the contractual minimum payment, including: • the contractual minimum payment and your total monthly instalment payment (if any) and any recommended extra payment; • the contractual minimum payment and your total monthly instalment payment (if any) and a regular boost payment; • the full balance (including any Buy Now Pay Later balances and any instalment plan balances); or • a fixed amount. If you have previously opted to pay the contractual minimum payment and we recommend an extra payment then, unless you tell us you would prefer not to pay the recommended extra payment, we will increase the amount that we collect by Direct Debit that month to ensure that your recommended extra payment is paid. We will also increase the amount to cover any instalment payments. We will tell you how you can let us know that you do not want to make a recommended extra payment. If you have opted to pay a fixed amount and this amount is not enough to pay your contractual minimum payment and any instalment payments, we will increase the amount that we collect by Direct Debit that month to ensure that these payments are made. If you pay by Direct Debit and any previous contractual minimum payments have still not been paid, we will always make sure that the Direct Debit amount we collect will be sufficient to pay these. Please note: if we believe your bank may have cancelled your Direct Debit as it has not been used for an extended period of time, we may not attempt to collect future payments this way. If this is the case, we will let you know. Online You can register for online account management and make payments using a debit card. Allow one working day for the payment to reach your account. Automated telephone service • Call 0000 000 0000* to make a payment 24 hours a day. Internet Banking/Telephone Banking Contact your bank or building society and use the following details: Account number: 00000000 Sort code: 09-01-09 You should use your 16 digit NewDay account number as a reference. At a bank Use the payment slip provided with your paper statement (if available) and make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. Allow 5 working days for the payment to reach your account. Cheques Make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. If you are paying more than one account with a single cheque, tell us the amount to be credited to each account. Send your payment to: NewDay Ltd XX Xxx 000 Xxxxxxxxx X00 0XX You should allow 7 working days for the payment to reach your account. What happens if you cannot make a payment or access your account? We will not be liable for any loss due to: • any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment, or other unusual or unforeseeable causes beyond our reasonable control; or • a retailer or cash machine not accepting, or retaining, your card, or the way in which this is conveyed to you. How and when can this Agreement be ended? You can end this Agreement at any time and without charge by giving us notice and paying your balance in full. We can end the Agreement by giving you 2 months’ notice in writing. In each case, you (and any additional cardholder) must stop using the account. The Agreement will continue until you have repaid everything you owe. If: • you repeatedly fail to pay contractual minimum payments on time or go over your credit limit; or • we find that any information you provided as part of your application was materially incorrect or misleading; or • you are declared bankrupt or have similar proceedings taken against you; or • we reasonably suspect any fraud or other criminal activity in connection with this Agreement or you have been using the card for an illegal purpose; we can: • demand immediate repayment of the amount you owe on the account; • disclose information about you and the conduct of your account to licensed credit reference agencies (which would make it more difficult for you to borrow in future); • bring legal action to recover what you owe us (which could include getting a court order giving us the right to payment out of the sale proceeds for your home or other property); and • require you to pay our reasonable costs and expenses for taking action to obtain payment, including legal costs; but we will give you advance notice and the chance to fix the breach before taking any of these steps (unless the problem cannot be fixed). If we choose not to enforce our rights under this Agreement at any time, we may enforce them at a later date instead. Clearing your balance You can pay off all or part of your balance at any time. We process payments automatically so if we accept a part payment marked “payment in full” or similar words, we may still claim the full amount outstanding. Payment scheme Logo If your card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without that logo may be used at the retailer whose name is on the card and, if we let you know that you can (i) at other retailers in that group and (ii) at other suppliers, but not elsewhere. If you have a card without a payment scheme logo on it, we may replace it with a card with the logo, unless you have told us not to and we may replace a card with a different payment scheme logo on it as long as we think that you will get the same or better service. Can we transfer our rights and obligations under this Agreement? We may transfer our rights and our obligations under this Agreement to someone else, including information about you and how you have managed your account. We will tell you if we do this unless there are circumstances which mean that the servicing of your account will not change. Your rights under this Agreement and any legal rights you have, for example, under the Consumer Credit Xxx 0000, will not be affected by any transfer. You cannot transfer any rights you have under this Agreement to anyone else. What law governs this Agreement? This Agreement and our dealings with you before the Agreement is made are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in: • Scotland (where it will be dealt with by the courts of Scotland); or • Northern Ireland (where it will be dealt with by the courts of Northern Ireland). This Agreement will be provided in English only. Important information How we use your information You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes. How you can contact us You must let us know of any changes to your contact details immediately. If you need to update your contact details, ask for information, tell us that you want to withdraw from the Agreement or make a complaint please: • write to: NewDay Ltd, Customer Service Department, X.X.Xxx 000, Xxxxx XX00 0XX • call 0000 000 0000* • online: go to xxx.xxxxxx.xx.xx and select “contact us” • We and our authorised agents and representatives may record and/or monitor telephone conversations with you and any additional cardholder so that we can maintain our service standards. How we will contact you We will communicate with you in English. We may give you notices or other information about your credit card, for example, in your monthly statements (in paper and electronic). We will use the most recent address (post and email) and telephone and mobile numbers you have given us for all purposes. If we need to contact you about any actual or suspected fraud or security threats, we will do this using the fastest and most secure way of contacting you (for example, we may try to send a text message rather than telephone). How can you make a complaint? If we do not provide the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again. You can contact us using the details above. If you are not happy with the way that we deal with your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx X00 0XX, calling 0000 000 0 000 0800 023 4 567 or 0000 000 0 000 0300 123 9 123 or sending an email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx. uk. You can find out more about the Financial Ombudsman service on their website at xxx.xxxxxxxxx-xxxxxxxxx.xx.xx. If you applied for your card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The email address to include in the ODR form is XXX@xxxxxx.xx.xx. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website (xxxxxxx.xx.xxxxxx.xx/xxx/xxxx/xxxxx.xxx). Our credit card customers would not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities. Who we are and how we are regulated NewDay Ltd is a company registered with the Registrar of Companies for England and Wales, Company Number 7297722, Registered Office: 0 Xxxxxxxxx Xxxxxx, London, N1C 4DA. We provide credit products to consumers and we are authorised and regulated by the Financial Conduct Authority (reference number 690292); NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number 555318) for the provision of payment services. The Financial Conduct Authority can be contacted at 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX or by using the details provided at xxx.xxx.xxx.xx/xxxxxxx. We are a member of the Finance and Leasing Association (the FLA). We subscribe to the code of the FLA.

TPP. If we do this, we will tell you why (unless doing so would compromise our reasonable security measures or otherwise be unlawful). You must check the information provided to you by the TPP, to ensure that they are authorised or permitted by law to provide payment services to you. If we become aware that an unauthorised third party is using your security details, we may block access to your account. Can you make a claim against us where you have a claim against a supplier? If you purchase any item of goods or any services costing between more than £100 and but no more than £30,000 under this Agreement you may have a right to claim against us as well as the supplier if, for example, the goods fail to arrive or are not of satisfactory quality or the supplier made a representation which you relied on about the goods which was not accurate. However, if you have a dispute with someone else over a transaction, you must keep making payments to us while you are resolving it. How can you make a payment? Direct Debit Call us or go to online account manager to set up a Direct Debit which means that we will ask for a payment to NewDay Ltd from your bank each month automatically. You can choose how much you want to pay each month as long as it is not less than the contractual minimum payment, including: • the contractual minimum payment and your total monthly instalment payment (if any) and any recommended extra payment; • the contractual minimum payment and your total monthly instalment payment (if any) and a regular boost boosted payment; • the full balance (including any Buy Now Pay Later balances and any instalment plan balances); or • a fixed amount. If you have previously opted to pay the contractual minimum payment and we recommend an extra payment then, unless you tell us you would prefer not to pay the recommended extra payment, we will increase the amount that we collect by Direct Debit that month to ensure that your recommended extra payment is paid. We will also increase the amount to cover any instalment payments. We will tell you how you can let us know that you do not want to make a recommended extra payment. If you have opted to pay a fixed amount and this amount is not enough to pay your contractual minimum payment, any recommended extra payment (unless you have chosen not to pay this) and any instalment payments, we will increase the amount that we collect by Direct Debit that month to ensure that these payments are made. If you pay by Direct Debit and any previous contractual minimum payments have still not been paid, we will always make sure that the Direct Debit amount we collect will be sufficient to pay these. Please note: if we believe your bank may have cancelled your Direct Debit as it has not been used for an extended period of time, we may not attempt to collect future payments this way. If this is the case, we will let you know. Online You can register for online account management and make payments to NewDay Ltd using a debit card. Allow one working day For the time you should allow for the payment to reach your account, see your statement for more details. Automated telephone service • Call 0000 000 0000* to make a payment to NewDay Ltd 24 hours a day. Internet Banking/Telephone Banking Contact your bank or building society and to make a payment to NewDay Ltd. Please use the following details: Account number: 00000000 Sort code: 09-01-09 bank details provided on the back of your statement You should use your 16 digit NewDay account number as a reference. At a bank Use the payment slip provided with your paper statement (if available) and make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. Allow 5 working days for the payment to reach your account. Cheques Make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. If you are paying more than one account with a single cheque, tell us the amount to be credited to each account. Send your payment to: NewDay Ltd XX Xxx 000 Xxxxxxxxx X00 0XX You should allow 7 working days for the payment to reach your account. What happens if you cannot make a payment or access your account? We will not be liable for any loss due to: • any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment, or other unusual or unforeseeable causes beyond our reasonable control; or • a retailer or cash machine not accepting, or retaining, your card, or the way in which this is conveyed to you. How and when can this Agreement be ended? You can end this Agreement at any time and without charge by giving us notice and paying your balance in full. We can end the Agreement by giving you 2 months’ notice in writing. In each case, you (and any additional cardholder) must stop using the account. The Agreement will continue until you have repaid everything you owe. We can also close your account if your account has been dormant for at least six months (meaning it has not been used at all and has had a £0 balance throughout that period). If: • you repeatedly fail to pay contractual minimum payments on time or go over your credit limit; or • we find that any information you provided as part of your application was materially incorrect or misleading; or • you are declared bankrupt or have similar proceedings taken against you; or • we reasonably suspect any fraud or other criminal activity in connection with this Agreement or you have been using the card for an illegal purpose; we can: • demand immediate repayment of the amount you owe on the account; • disclose information about you and the conduct of your account to licensed credit reference agencies (which would make it more difficult for you to borrow in future); • bring legal action to recover what you owe us (which could include getting a court order giving us the right to payment out of the sale proceeds for your home or other property); and • require you to pay our reasonable costs and expenses for taking action to obtain payment, including legal costs; but we will always give you advance notice and and, if the problem can be fixed, the chance to fix the breach before taking any of these steps (unless the problem cannot be fixed)steps. If we choose not to enforce our rights under this Agreement at any time, we may enforce them at a later date instead. Clearing your balance You can pay off all or part of your balance at any time. We process payments automatically so if we accept a part payment marked “"payment in full” " or similar words, we may still claim the full amount outstanding. Payment scheme Logo logo If your card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without that logo may be used at the retailer whose name is on the card and, if we let you know that you can (i) at other retailers in that group and (ii) at other suppliers, but not elsewhere. If you have a card without a payment scheme logo on it, we may replace it with a card with the logo, unless you have told us not to and we We may replace a card with one with a different payment scheme logo on it as long as we think that you will get the same or better service. Can we transfer our rights and obligations under this Agreement? We may transfer our rights and our obligations under this Agreement to someone else, including information about you and how you have managed your account. We will tell you if we do this unless there are circumstances which mean that the servicing of your account will not change. Your rights under this Agreement and any legal rights you have, for example, under the Consumer Credit Xxx 0000, will not be affected by any transfer. You cannot transfer any rights you have under this Agreement to anyone else. What law governs this Agreement? This Agreement and our dealings with you before the Agreement is made are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in: • Scotland (where it will be dealt with by the courts of Scotland); or • Northern Ireland (where it will be dealt with by the courts of Northern Ireland). This Agreement will be provided in English only. Important information How we use your information You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes. How you can contact us You must let us know of any changes to your contact details immediately. If you need to update your contact details, ask for information, tell us that you want to withdraw from the Agreement or make a complaint please: • write to: NewDay Ltd, Customer Service Department, X.X.Xxx 000, Xxxxx XX00 0XX • 0XX. Please note, you cannot change your contact details by writing to us, you must go online or call. call 0000 000 0000* • xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxx online: go to xxx.xxxxxx.xx.xx and select “"contact us” • " We and our authorised agents and representatives may record and/or monitor telephone conversations with you and any additional cardholder so that we can maintain our service standards. How we will contact you We will communicate with you in English. We may give you notices or other information about your credit card, for example, in your monthly statements (in paper and electronic). We will use the most recent address (post and email) and telephone and mobile numbers you have given us for all purposes. If we need to contact you about any actual or suspected fraud or security threats, we will do this using the fastest and most secure way of contacting you (for example, we may try to send a text message rather than telephone). How can you make a complaint? If we do not provide the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again. You can contact us using the details above. If If, after contacting our Complaints team, you are not happy with the way that we deal with our response to your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx X00 0XX, calling 0000 000 0 000 0000 or 0000 000 0 000 0000 or sending an email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx. ukxxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx. You can find out more about the Financial Ombudsman service on their website at xxx.xxxxxxxxx-xxxxxxxxx.xx.xx. If you applied for your card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The email address to include in the ODR form is XXX@xxxxxx.xx.xx. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website (xxxxxxx.xx.xxxxxx.xx/xxx/xxxx/xxxxx.xxx). xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. Our credit card customers would not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities. Who we are and how we are regulated NewDay Ltd is a company registered with the Registrar of Companies for England and Wales, Company Number 7297722, Registered Office: 0 Xxxxxxxxx Xxxxxx, London, N1C 4DA. We provide credit products to consumers and we are authorised and regulated by the Financial Conduct Authority which is the supervisory authority under the Consumer Credit Xxx 0000 (reference number 690292); NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number 555318) for the provision of payment services. The Financial Conduct Authority can be contacted at 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX or by using the details provided at xxx.xxx.xxx.xx/xxxxxxx. We are a member of the Finance and Leasing Association (the FLA). We subscribe to the code of the FLA.

TPP. If we do this, we will tell you why (unless doing so would compromise our reasonable security measures or otherwise be unlawful). You must check the information provided to you by the TPP, to ensure that they are authorised or permitted by law to provide payment services to you. If we become aware that an unauthorised third party is using your security details, we may block access to your account. Can you make a claim against us where you have a claim against a supplier? If you purchase any item of goods or any services costing between more than £100 and but no more than £30,000 under this Agreement you may have a right to claim against us as well as the supplier if, for example, the goods fail to arrive or are not of satisfactory quality or the supplier made a representation which you relied on about the goods which was not accurate. However, if you have a dispute with someone else over a transaction, you must keep making payments to us while you are resolving it. How can you make a payment? Direct Debit Call us or go to online account manager to set up a Direct Debit which means that we will ask for a payment to NewDay Ltd from your bank each month automatically. You can choose how much you want to pay each month as long as it is not less than the contractual minimum payment, including: • the contractual minimum payment and your total monthly instalment payment (if any) and any recommended extra payment; • the contractual minimum payment and your total monthly instalment payment (if any) and a regular boost boosted payment; • Ex the full balance (including any Buy Now Pay Later balances and any instalment plan balances); or • a fixed amount. If you have previously opted to pay the contractual minimum payment and we recommend an extra payment then, unless you tell us you would prefer not to pay the recommended extra payment, we will increase the amount that we collect by Direct Debit that month to ensure that your recommended extra payment is paid. We will also increase the amount to cover any instalment payments. We will tell you how you can let us know that you do not want to make a recommended extra payment. If you have opted to pay a fixed amount and this amount is not enough to pay your contractual minimum payment, any recommended extra payment (unless you have chosen not to pay this) and any instalment payments, we will increase the amount that we collect by Direct Debit that month to ensure that these payments are made. If you pay by Direct Debit and any previous contractual minimum payments have still not been paid, we will always make sure that the Direct Debit amount we collect will be sufficient to pay these. Please note: if we believe ifawe believme your bank may have cancelled mpay havelcanecelled your Direct Debit as it has not been used for an extended period of time, we may not attempt to collect future payments this way. If this is the case, we will let you know. Online You can register for online account management and make payments to NewDay Ltd using a debit card. Allow one working day For the time you should allow for the payment to reach your account, see your statement for more details. Automated telephone service • Call 0000 000 0000* to make a payment to NewDay Ltd 24 hours a day. Internet Banking/Telephone Banking Contact your bank or building society and to make a payment to NewDay Ltd. Please use the following details: Account number: 00000000 Sort code: 09-01-09 bank details provided on the back of your statement You should use your 16 digit NewDay account number as a reference. At a bank Use the payment slip provided with your paper statement (if available) and make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. Allow 5 working days for the payment to reach your account. Cheques Make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. If you are paying more than one account with a single cheque, tell us the amount to be credited to each account. Send your payment to: NewDay Ltd XX Xxx 000 Xxxxxxxxx X00 0XX You should allow 7 working days for the payment to reach your account. What happens if you cannot make a payment or access your account? We will not be liable for any loss due to: • any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment, or other unusual or unforeseeable causes beyond our reasonable control; or • a retailer or cash machine not accepting, or retaining, your card, or the way in which this is conveyed to you. How and when can this Agreement be ended? You can end this Agreement at any time and without charge by giving us notice and paying your balance in full. We can end the Agreement by giving you 2 months’ notice in writing. In each case, you (and any additional cardholder) must stop using the account. The Agreement will continue until you have repaid everything you owe. We can also close your account if your account has been dormant for at least six months (meaning it has not been used at all and has had a £0 balance throughout that period). If: • you repeatedly fail to pay contractual minimum payments on time or go over your credit limit; or • we find that any information you provided as part of your application was materially incorrect or misleading; or • you are declared bankrupt or have similar proceedings taken against you; or • we reasonably suspect any fraud or other criminal activity in connection with this Agreement or you have been using the card for an illegal purpose; we can: • demand immediate repayment of the amount you owe on the account; • disclose information about you and the conduct of your account to licensed credit reference agencies (which would make it more difficult for you to borrow in future); • Example bring legal action to recover what you owe us (which could include getting a court order giving us the right to payment out of the sale proceeds for your home or other property); and • require you to pay our reasonable costs and expenses for taking action to obtain payment, including legal costs; but we will always give you advance notice and and, if the problem can be fixed, the chance to fix the breach before taking any of these steps (unless the problem cannot be fixed)steps. If we choose not to enforce our rights under this Agreement at any time, we may enforce them at a later date instead. Clearing your balance You can pay off all or part of your balance at any time. We process payments automatically so if we accept a part payment marked “"payment in full” " or similar words, we may still claim the full amount outstanding. Payment scheme Logo logo If your card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without that logo may be used at the retailer whose name is on the card and, if we let you know that you can (i) at other retailers in that group and (ii) at other suppliers, but not elsewhere. If you have a card without a payment scheme logo on it, we may replace it with a card with the logo, unless you have told us not to and we We may replace a card with one with a different payment scheme logo on it as long as we think that you will get the same or better service. Can we transfer our rights and obligations under this Agreement? We may transfer our rights and our obligations under this Agreement to someone else, including information about you and how you have managed your account. We will tell you if we do this unless there are circumstances which mean that the servicing of your account will not change. Your rights under this Agreement and any legal rights you have, for example, under the Consumer Credit Xxx 0000, will not be affected by any transfer. You cannot transfer any rights you have under this Agreement to anyone else. What law governs this Agreement? This Agreement and our dealings with you before the Agreement is made are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in: • Scotland (where it will be dealt with by the courts of Scotland); or • Northern Ireland (where it will be dealt with by the courts of Northern Ireland). This Agreement will be provided in English only. Important information How we use your information You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes. Example How you can contact us You must let us know of any changes to your contact details immediately. If you need to update your contact details, ask for information, tell us that you want to withdraw from the Agreement or make a complaint please: • write to: NewDay Ltd, Customer Service Department, X.X.Xxx 000, Xxxxx XX00 0XX • 0XX. Please note, you cannot change your contact details by writing to us, you must go online or call. call 0000 000 0000* • xxx.xxxxxxxxxxxxxxxxxxx.xxx/xxxxx online: go to xxx.xxxxxx.xx.xx and select “"contact us” • " We and our authorised agents and representatives may record and/or monitor telephone conversations with you and any additional cardholder so that we can maintain our service standards. How we will contact you We will communicate with you in English. We may give you notices or other information about your credit card, for example, in your monthly statements (in paper and electronic). We will use the most recent address (post and email) and telephone and mobile numbers you have given us for all purposes. If we need to contact you about any actual or suspected fraud or security threats, we will do this using the fastest and most secure way of contacting you (for example, we may try to send a text message rather than telephone). How can you make a complaint? If we do not provide the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again. You can contact us using the details above. If If, after contacting our Complaints team, you are not happy with the way that we deal with our response to your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx X00 0XX, calling 0000 000 0 000 0000 or 0000 000 0 000 0000 or sending an email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx. ukxxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx. You can find out more about the Financial Ombudsman service on their website at xxx.xxxxxxxxx-xxxxxxxxx.xx.xx. If you applied for your card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The email address to include in the ODR form is XXX@xxxxxx.xx.xx. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website (xxxxxxx.xx.xxxxxx.xx/xxx/xxxx/xxxxx.xxx). xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx/. Our credit card customers would not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities. Who we are and how we are regulated NewDay Ltd is a company registered with the Registrar of Companies for England and Wales, Company Number 7297722, Registered Office: 0 Xxxxxxxxx Xxxxxx, London, N1C 4DA. We provide credit products to consumers and we are authorised and regulated by the Financial Conduct Authority which is the supervisory authority under the Consumer Credit Xxx 0000 (reference number 690292); NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number 555318) for the provision of payment services. The Financial Conduct Authority can be contacted at 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX or by using the details provided at xxx.xxx.xxx.xx/xxxxxxx. We are a member of the Finance and Leasing Association (the FLA). We subscribe to the code of the FLA.

TPP. If we do this, we will tell you why (unless doing so would compromise our reasonable security measures or otherwise be unlawful). You must check the information provided to you by the TPP, to ensure that they are authorised or permitted by law to provide payment services to you. If we become aware that an unauthorised third party is using your security details, we may block access to your account. Can you make a claim against us where you have a claim against a supplier? If you purchase any item of goods or any services costing between more than £100 and but no more than £30,000 under this Agreement you may have a right to claim against us as well as the supplier if, for example, the goods fail to arrive or are not of satisfactory quality or the supplier made a representation which you relied on about the goods which was not accurate. However, if you have a dispute with someone else over a transaction, you must keep making payments to us while you are resolving it. How can you make a payment? Direct Debit Call us or go to online account manager to set up a Direct Debit which means that we will ask for a payment to NewDay Ltd from your bank each month automatically. You can choose how much you want to pay each month as long as it is not less than the contractual minimum payment, including: • the contractual minimum payment and your total monthly instalment payment (if any) and any recommended extra payment; • the contractual minimum payment and your total monthly instalment payment (if any) and a regular boost boosted payment; • the full balance (including any Buy Now Pay Later balances and any instalment plan balances); or • a fixed amount. If you have previously opted to pay the contractual minimum payment and we recommend an extra payment then, unless you tell us you would prefer not to pay the recommended extra payment, we will increase the amount that we collect by Direct Debit that month to ensure that your recommended extra payment is paid. We will also increase the amount to cover any instalment payments. We will tell you how you can let us know that you do not want to make a recommended extra payment. If you have opted to pay a fixed amount and this amount is not enough to pay your contractual minimum payment, any recommended extra payment (unless you have chosen not to pay this) and any instalment payments, we will increase the amount that we collect by Direct Debit that month to ensure that these payments are made. If you pay by Direct Debit and any previous contractual minimum payments have still not been paid, we will always make sure that the Direct Debit amount we collect will be sufficient to pay these. Please note: if we believe your bank may have cancelled your Direct Debit as it has not been used for an extended period of time, we may not attempt to collect future payments this way. If this is the case, we will let you know. . Online You can register for online account management and make payments to NewDay Ltd using a debit card. Allow one working day For the time you should allow for the payment to reach your account, see your statement for more details. Automated telephone service • Call 0000 000 0000* to make a payment to NewDay Ltd 24 hours a day. Internet Banking/Banking/ Telephone Banking Contact your bank or building society and to make a payment to NewDay Ltd. Please use the following details: Account number: 00000000 Sort code: 09-01-09 You should use bank details provided on the back of your 16 digit NewDay account number as a referencestatement. At a bank Use the payment slip provided with your paper statement (if available) and make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. Allow 5 working days for the payment to NewDay Ltd to reach your account. How can you make a payment? Cheques Make sure that the cheque is made payable to NewDay Ltd and includes your 16 digit account number on the first line as a reference. If you are paying more than one account with a single cheque, tell us the amount to be credited to each account. Send your payment to: NewDay Ltd XX Xxx 000 Xxxxxxxxx X00 0XX PO Box 218 Rotherham S98 1NS You should allow 7 working days for the payment to NewDay Ltd to reach your account. What happens if you cannot make a payment or access your account? We will not be liable for any loss due to: • any failure or delay in providing our service caused by strikes, industrial action, failure of power supplies or computer equipment, or other unusual or unforeseeable causes beyond our reasonable control; or • a retailer or cash machine not accepting, or retaining, your card, or the way in which this is conveyed to you. How and when can this Agreement be ended? You can end this Agreement at any time and without charge by giving us notice and paying your balance in full. We can end the Agreement by giving you 2 months’ notice in writing. In each case, you (and any additional cardholder) must stop using the account. The Agreement will continue until you have repaid everything you owe. We can also close your account if your account has been dormant for at least six months (meaning it has not been used at all and has had a £0 balance throughout that period). If: • you repeatedly fail to pay contractual minimum payments on time or go over your credit limit; or • we find that any information you provided as part of your application was materially incorrect or misleading; or • you are declared bankrupt or have similar proceedings taken against you; or • we reasonably suspect any fraud or other criminal activity in connection with this Agreement or you have been using the card for an illegal purpose; we can: • demand immediate repayment of the amount you owe on the account; • disclose information about you and the conduct of your account to licensed credit reference agencies (which would make it more difficult for you to borrow in future); • bring legal action to recover what you owe us (which could include getting a court order giving us the right to payment out of the sale proceeds for your home or other property); and • require equire you to pay our reasonable costs and expenses for taking action to obtain payment, including legal costs; but we will always give you advance notice and and, if the problem can be fixed, the chance to fix the breach before taking any of these steps (unless the problem cannot be fixed)steps. If we choose not to enforce our rights under this Agreement at any time, we may enforce them at a later date instead. Clearing your balance You can pay off all or part of your balance at any time. We process payments automatically so if we accept a part payment marked “payment in full” or similar words, we may still claim the full amount outstanding. Payment scheme Logo logo If your card has a payment scheme logo on it, it can be used at all outlets and cash machines displaying that logo. Cards without that logo may be used at the retailer whose name is on the card and, if we let you know that you can (i) at other retailers in that group and (ii) at other suppliers, but not elsewhere. If you have a card without a payment scheme logo on it, we may replace it with a card with the logo, unless you have told us not to and we may replace a card with a different payment scheme logo on it as long as we think that you will get the same or better service. Can we transfer our rights and obligations under this Agreement? We may transfer our rights and our obligations under this Agreement to someone else, including information about you and how you have managed your account. We will tell you if we do this unless there are circumstances which mean that the servicing of your account will not change. Your rights under this Agreement and any legal rights you have, for example, under the Consumer Credit Xxx 0000Act 1974, will not be affected by any transfer. You cannot transfer any rights you have under this Agreement to anyone else. What law governs this Agreement? This Agreement and our dealings with you before the Agreement is made are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in: • Scotland (where it will be dealt with by the courts of Scotland); or • Northern Ireland (where it will be dealt with by the courts of Northern Ireland). This Agreement will be provided in English only. Important information How we use your information You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes. How you can contact us You must let us know of any changes to your contact details immediately. If you need to update your contact details, ask for information, tell us that you want to withdraw from the Agreement or make a complaint please: • write to: NewDay Ltd, Customer Service Department, X.X.Xxx 000700, Xxxxx XX00 0XX Leeds LS99 2BD. Please note, you cannot change your contact details by writing to us, you must go online or call. • call 0000 000 0000* • online: go to xxx.xxxxxx.xx.xx and select “contact uscontact” • We and our authorised agents and representatives may record and/or monitor telephone conversations with you and any additional cardholder so that we can maintain our service standards. How we will contact you We will communicate with you in English. We may give you notices or other information about your credit card, for example, in your monthly statements (in paper and electronic). We will use the most recent address (post and email) and telephone and mobile numbers you have given us for all purposes. If we need to contact you about any actual or suspected fraud or security threats, we will do this using the fastest and most secure way of contacting you (for example, we may try to send a text message rather than telephone). How can you make a complaint? If we do not provide the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again. You can contact us using the details above. If If, after contacting our Complaints team, you are not happy with the way that we deal with our response to your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Xxxxxxxx XxxxxExchange Tower, Xxxxxx X00 0XXLondon E14 9SR, calling 0000 000 0 000 or 0000 000 0 000 or sending an email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx. ukxxxxxxxxx.xxxx@ xxxxxxxxx-xxxxxxxxx.xxx.xx. You can find out more about the Financial Ombudsman service on their website at xxx.xxxxxxxxx-xxxxxxxxx.xx.xx. If you applied for your card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The email address to include in the ODR form is XXX@xxxxxx.xx.xx. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website (xxxxxxx.xx.xxxxxx.xx/xxx/xxxx/xxxxx.xxx)xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx. Our credit card customers would not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities. Who we are and how we are regulated NewDay Ltd is a company registered with the Registrar of Companies for England and Wales, Company Number 7297722, Registered Office: 0 Xxxxxxxxx Xxxxxx, London, N1C 4DA. We provide credit products to consumers and we are authorised and regulated by the Financial Conduct Authority which is the supervisory authority under the Consumer Credit Act 1974 (reference number 690292); NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number 555318) for the provision of payment services. The Financial Conduct Authority can be contacted at 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX or by using the details provided at xxx.xxx.xxx.xx/xxxxxxx. We are a member of the Finance and Leasing Association (the FLA). We subscribe to the code of the FLA.