Terms & Conditions

Important information

Please read these terms and conditions carefully.

See the section at the end ('the meaning of some words in the agreement') for definitions of important words.

1. YOUR MOBILE PHONE

1. When you register for the Service you will be asked to provide us with a mobile phone number to which you would like us to send text messages.
2. We can only provide the Service to a mobile phone registered on a UK network and not, for example, to a fixed line telephone, a computer capable of receiving text messages or a 'virtual' mobile phone number beginning with '070'. Some older mobile phones may not be compatible with the Service.

2. MAIN BARCLAYCARD ACCOUNT HOLDERS

1. The Service is limited to the main account holder
2. You can register only one mobile phone number per registration. This will apply to all accounts that you decide to register.

3. THE SERVICE

1. When you register for the Service you request us to send you information about your account(s) to your mobile phone as described in the Service Information.
2. We will only send you each text once. If you delete a text we cannot send it again.
3. The Service is restricted to information about your Barclaycard account. We cannot send information about savings, loans or current accounts.
4. You must tell us as soon as possible if you receive any text messages that appear to be irregular.
5. We may have to interrupt the Service, for example to carry out maintenance or in circumstances beyond our reasonable control, but we will try to keep such interruptions to a minimum.
6. We may decide to withdraw the Service by writing to you. Unless we have to withdraw the Service to comply with the law or to protect security, we will give you 30 days' notice of this.

4. SECURITY

1. You must follow the security rules in the Service Information.
2. You must not let anyone else use this Service for you.
3. If you think that there are any unauthorised transactions you must notify us immediately by phoning the number in your welcome letter. You should check any account information that we send you and let us know urgently about any errors.
4. You must tell us immediately if your mobile phone is lost or stolen, or if you change your mobile phone number. If you do not tell us we will continue to send text messages to your lost, stolen or old mobile phone and we cannot be responsible for what happens in such circumstances if, for example, your account information becomes known to someone else.
5. You should take all reasonable steps to prevent unauthorised access to confidential information stored in your mobile phone, or prevent your mobile phone from being used if it is lost or stolen. Such steps could include using the SIM card personal identification number code (PIN) on your mobile telephone at all times, not leaving your mobile phone switched on without having set the PIN and deleting text messages from the Service once you have read them.
6. You should suspend the Service if you are taking your mobile phone out of the United Kingdom because your network provider and/or their partner networks may charge you to receive messages while abroad and it may not be lawful to receive the information contained in the Service in some countries. If you do not suspend the Service it is your responsibility to ensure that it is lawful to receive the Service in the country you are in. If you need any further information about this, you should contact your mobile phone network. You can suspend the Service by calling the number in your welcome letter.

5. LOSS OR DAMAGE

1. We are not liable for any loss or damage, direct or indirect, caused by:
   • any breach of confidentiality (unless we have caused it) resulting directly or indirectly from your use of the Service
   • the Service being unavailable
   • delays, interruptions or errors in transmission not directly our fault, or
   • other circumstances beyond our reasonable control.

6. CHARGES

1. We do not make any charge for the Service but reserve the right to introduce charges at a later date. If we introduce any charges for the Service in the future we will give you 30 days' written notice.
2. Please note that we are required to advise you of the possibility that there may be other costs or taxes imposed by third parties in connection with the Service.

7. OUR RIGHT TO CHANGE THIS AGREEMENT

1. We may change the terms of the agreement.
2. We will normally give you 30 days' written notice of any change. It may be shorter to protect security, or in other circumstances beyond our reasonable control.

8. YOUR RIGHT TO CANCEL THIS AGREEMENT

1. You may end the Service and cancel this agreement at any time through the telephone number in your welcome letter.
2. You must give us five working days' notice of your wish to cancel the Service: we will try to process your cancellation request sooner but cannot guarantee this.

9. REGISTERED OFFICE DETAILS

1. Barclaycard is a trading name of Barclays Bank PLC, registered office address is at 1 Churchill Place, London E14 5HP.
2. We will send text messages to you without the addition of the registered office details.

10. CONTACT DETAILS

1. You can contact us by:
   • telephoning us using the number shown on your Service welcome letter
   • writing to us at the address shown on your statement
   • visiting our website at www.barclaycard.co.uk.
2. The supply of account information via the Service is subject to the regulation of the Office of Communications (Ofcom) and the Financial Services Authority, and we are authorised and regulated by the Financial Services Authority. You can find out more about this by visiting www.fsa.gov.uk.

11. SERVICE QUALITY

1. We may monitor and record calls to our helpdesk.
2. If you want to make a complaint about this contract or the service that you are receiving from us, you can do this by:
   • telephoning us using the number shown on your statement
   • writing to us at the address shown on your statement.
   We always aim to resolve your complaint at this stage. However, if for any reason you are still not happy, then you can contact our Customer Experience team at:
   • Customer Experience Director Barclaycard, PO Box 5592, Northampton NN4 1Z
   • Telephone 0844 811 9111
   • Minicom 0800 587 2104
3. If a dispute cannot be resolved by our internal complaint procedures, you may be entitled to make a complaint to either the Financial Ombudsman Service or Ofcom:
   • The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR, www.financial-ombudsman.org.uk, 0845 0801800.
   • Ofcom Contact Centre, Riverside House, 2a Southwark Bridge Road, London, SE1 9HA, www.ofcom.org.uk, 0845 4563000
4. If a dispute cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service or Ofcom, the courts of England or Scotland (depending on where your account is held) will have jurisdiction to hear a dispute

12. YOUR PERSONAL DATA AND BARCLAYCARD

1. You agree that we may keep your personal and financial details, given to us by you or other third parties, such as credit reference agencies (who may search the Electoral Register) during your relationship with us and we may use and update this information:
   • to provide you with the Service
   • to identify products and services which might be suitable for you
   • to prevent and detect fraud, and
   • for research and statistical analysis with the aim of improving our services.
   You should let us know if you think any information we hold about you is inaccurate, so we can correct it. We will treat all your personal and financial information as private and confidential (even when you are no longer a customer). We will not reveal your name and address or details about you or your accounts to anyone, outside the Barclays Bank PLC, other than in the following cases:
   • if we are required to give the information for legal reasons
   • if there is a duty to the public to reveal the information
   • if it is needed by our agents and others involved in running accounts or services for you
   • if we or others need to investigate or prevent crime
   • if our interests require us to give the information, for example, where we suspect fraud. But we will not use this as a reason for giving information about you or your accounts (including name and address details) to anyone else including other companies in our group for marketing purposes
   • if you ask us to reveal the information, or if we have your permission.

13. THE LAW COVERING THIS AGREEMENT

1. If your account is held in England and Wales, English law applies to our discussions about the Service and to this agreement.
2. This agreement is in English. You agree that we can communicate with you in English about this agreement and the Service.

THE MEANING OF SOME WORDS IN THIS AGREEMENT

Service: the 'Barclaycard Alerts' service we provide enabling you to obtain information from us via text

Service Information: the guidance and information we provide about the Service including:

• in printed form
• spoken through any helpdesk
• in any message sent to you through the Service
• the information and help service provided as part of the Service.

We/us/our: "Barclaycard" the trading name of Barclays Bank PLC

You/your: the main account holder who becomes registered with us to use the Service.

This information is correct as at the date of publication, February 2006 07/12/2005 Version 1.