Cashback Card Terms and Conditions

Last updated: 07.03.2012

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE YOU ACTIVATE YOUR CARD. THIS INFORMATION FORMS THE TERMS AND CONDITIONS OF YOUR PREPAID MASTERCARD® CARD. BY ACTIVATING YOUR CARD YOU ACCEPT THE TERMS AND CONDITIONS.IF THERE IS ANYTHING YOU DO NOT UNDERSTAND OR DO NOT AGREE WITH, PLEASE CONTACT THE PROGRAMME HOTLINE USING THE CONTACT DETAILS AT PARAGRAPH 20 OF THIS AGREEMENT.

1. DEFINITIONS

Account
The electronic account associated with your Card.
Agreement
This Cardholder agreement as varied from time to time.
ATM
Automated Teller Machine.
Available Balance
Value of funds loaded onto your Card and available for use.
Business Day
This means the days of Monday to Friday, but does not include bank holidays or public holidays in the United Kingdom.
Card
Any Card issued to you under this Agreement.
Card Number
The Card number on the front of your Card.
Cardholder
You, the person entering into this Agreement with us.
Clydesdale Bank PLC
Clydesdale Bank PLC, a company registered in Scotland with number SC001111 whose registered office is 30 St. Vincent Place, Glasgow, G1 2HL. Clydesdale Bank PLC is a member of the National Australia Bank Group ("NAG"). NAG includes National Australia Bank Limited, its subsidiaries and associated companies.
Company
Insure Together Limited a company registered with number 7820895 whose registered office is Sundial House, 98 High Street, Horsell, Woking, Surrey GU21 4SU
EEA
Is the European Economic Area which currently includes all the countries of the European Union together with Iceland, Norway and Liechtenstein.
e-money
The electronic money associated with your Card.
MasterCard Acceptance Mark
The MasterCard International Incorporated Brand Mark, indicating acceptance of the Card.
MasterCard International Incorporated
MasterCard International Incorporated whose head office is at 2000 Purchase Street, Purchase, New York 10577 USA.
Merchant
A retailer, or any other person, firm or corporation that accepts Cards which display the MasterCard Acceptance Mark.
PIN
Personal identification number for use with the Card.
Programme
The programme or campaign under which your Card has been issued to you.
Programme Hotline
The contact centre for dealing with queries and requests for services in relation to your Card. Contact details for the Programme Hotline can be found in paragraph 20.
Programme Manager
P&MM Limited, a company registered in England and Wales with number 01090180 whose registered office is at Avalon House, Breckland, Linford Wood, Milton Keynes, Buckinghamshire, MK14 6LD.
Restricted Card
A Card with spending limits. Please see paragraph 3.2 for details
Savings Rebate
The value of rebate funds accrued based on the value of Transactions undertaken using your Card at retailers participating in the Programme.
Transaction
A retail sale completed by using your Card.
we, us or our
PrePay Technologies Limited, a company registered in England and Wales with number 04008083 who can be contacted at PO BOX 3371, Swindon, SN5 7WJ. PrePay Technologies Limited is authorised and regulated by the Financial Services Authority to issue e-money and is registered in the Financial Services Register with registration number 900010.
Website
The website at www.petsinsuretogether.co.uk/card allowing you to access your personal Card information and, if applicable to your Programme, top up your Card. This is the area that allows you to register your name and contact details for your Account as well as view your Available Balance and Transaction history. The Website provides up-to-date information about your Account and you will need an internet connection in order to access it.
you, your
The Cardholder.

2. SCOPE OF THIS AGREEMENT

2.1. Your Card is an e-money prepaid Card. This is not a credit, charge or debit Card.

2.2. Your Card has been issued by Clydesdale Bank PLC pursuant to a licence from MasterCard International Incorporated. We are a registered Service Provider of Clydesdale Bank PLC. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Clydesdale Bank PLC or MasterCard International Incorporated or their respective affiliates. If you experience any difficulties in using the Card, you should contact the Programme Hotline. The e-money associated with this Card is issued to you by us and will be denominated in Pounds Sterling. The Card remains the property of Clydesdale Bank PLC.

2.3. These terms and conditions are written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account.

3. RECEIPT AND ACTIVATION OF CARDS

3.1 When you receive your Card, you must sign it immediately. You can activate your Card by calling the Programme Hotline. Please note that your Card cannot be used until it has been activated. When you call the Programme Hotline you will need to select the 'Card Activation' option from the menu. You will then be asked to quote your Card Number and your Activation Code which you will find on the letter that came with your Card. You may also be requested to provide some details to confirm your identity. You will be given a 4 digit PIN. You should keep your PIN secure at all times. We will not reveal your PIN to a third party. If you forget your PIN, you will need to call the Programme Hotline. You will be able to change your PIN at any UK ATM that has a PIN change facility. When you select or change your PIN, you must not select a PIN that can be easily guessed, such as, for example, a number that:

3.1.1. is easily associated with you, such as your telephone number or birth date;

3.1.2. is part of data imprinted on the Card;

3.1.3. consists of the same digits or a sequence of running digits; or is identical to the previously selected PIN.

3.2. If we are unable to satisfactorily verify your identity and address from information provided by you at the time you apply for a Card we will issue you with a Restricted Card. There is a total spending limit of £1,600 per year (12 months starting on first Transaction) on Restricted Cards. You may hold a maximum of £600 on your Restricted Card at any one time. If, after applying for a Card, you are issued with a Restricted Card, you will have the option to upgrade to a non-Restricted Card by providing satisfactory documentation as proof of identity and address (fees apply, see paragraph 11).

3.3. You agree that we may communicate with you by email for issuing any notices or information about your Account or Card and therefore it is important that you register on the Website and provide a valid email address. Additionally, your Transaction history and statements are made available to you on the Website and you will need to register in order to be able to obtain this information.

3.4. You are only able to apply for the Card if you are eligible under the rules of the Programme. If you are issued with a Card, you may be entitled to apply for one additional Card for your Account (annual fees apply, see paragraph 11).

4. USE OF CARDS

4.1. Your Card can be used at any Merchant displaying the MasterCard Acceptance Mark.

4.2. You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at this point it is deemed to be received by us. You will be responsible for all the Transactions where you or any additional Cardholders authorise such Transaction, regardless of the manner of such authorisation.

4.3. Your Card is a prepaid Card, which means that the Card's Available Balance will be reduced by the full amount of each Transaction and authorisation, plus any taxes and charges that are applicable (the ‘Full Deductible Amount’). The Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card if the Full Deductible Amount exceeds the Available Balance or after the expiry date of the Card. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from them. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

4.4. You can check your balance and Transaction history by calling the Programme Hotline or for free on the Website.

4.5. Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all Transactions you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:

4.5.1. Hotels and rental cars - As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.

4.5.2. Internet Merchants - Certain Internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are available; this will temporarily impact your Available Balance. Also please bear in mind that many sites won't deduct payment until goods are dispatched so please be aware of these variances on cleared funds when checking your balance and ensure that funds are always available to cover your purchases.

4.5.3. In-transit purchases - Merchants may not be able to authorise your Transaction if they cannot obtain an online authorisation from us. Examples include on-board cruise or train charges and some in-flight purchases.

4.6. You may not use funds loaded by your Company at petrol stations or other Merchants whose main business is the sale of fuel or other sources of primary power. When spending funds you have loaded onto the Card, your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.

4.7. Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes.

4.8. You may not use your Card to obtain cash, foreign currency, travellers cheques, or to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements.

4.9. The Available Balance on your Account will not earn any interest.

4.10. We may request you to surrender the Card at anytime for a valid reason in accordance with the provisions at paragraph 15 of these terms and conditions. Where we do so, we will give you back your e-money in accordance with paragraph 7 of these terms and conditions (free of redemption fee charge).

5. TOP UP OF YOUR CARD

5.1. Your Account may hold a maximum balance of £600 if you are issued with a Restricted Card (subject to yearly spend limits set out in paragraph 3.2) or £4,000 for a non-Restricted Card..

5.2. Your Account can be topped up in the following ways:

5.2.1. Using a debit card through the website to a maximum value of £600 per top up for a Restricted Card (subject to a maximum balance of £600 and yearly spend limits set out in paragraph 3.2) or £1,000 per top up for a non-Restricted Card. The minimum top up value is £10. The top up will be credited to your Available Balance according to the top up option you have chosen, fees apply, see paragraph 11. The top up debit cards have to be registered with 3D secure verification.

5.2.2. Your Account can also be topped up by the Programme Manager at its sole discretion following instructions by the Company.

5.3. The Programme Manager is responsible for the operation of the Savings Rebate programme. You acknowledge and agree that we shall have no liability to you for any delay in earning, or any failure to earn Savings Rebates or any other loss that you might suffer under the Savings Rebate programme or the Programme rules.

5.4. We reserve the right to suspend or terminate the right to top up your Card and Account at anytime without notice.

6. CARD EXPIRY

6.1. The expiry date of your Card is printed on the front of the Card. You will not be able to use your Card if it has expired.

6.2. No Transactions will be processed once your Card has expired.

6.3. Provided you are still a member of the Programme and the Programme has not been terminated, the Programme Manager will transfer any remaining value on the expired Card to a new Card, otherwise any unused value loaded onto your Card will expire and will be available for you to redeem for a period of six years from the date on which your Card expired. Please see paragraph 11 for details of the Expired Card Fee, applied monthly to all expired Cards with an Available Balance.

7. REDEEMING E-MONEY

7.1 You will be charged a fee to cover redemption costs on each occasion that you redeem, if you redeem all or part of your balance at the following times:

7.1.1 before the expiry date of your card or replacement card; or

7.1.2 before you or we terminate this agreement prior to the card expiry date; or

7.1.3 more than 12 months after:

7.1.3.1 your card or replacement card expires; or

7.1.3.2 this agreement is terminated, (as applicable). You will be reminded of this fee before redemption;

Please note that if your balance is £5.00 or less and you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero.

7.2 You may redeem funds subject to the provisions described in 7.1 as long as:

7.2.1 we believe you have not acted fraudulently; and

7.2.2 we are not prohibited from doing so by any applicable law, regulation, court order or instruction or guidance of a competent regulatory authority or agency.

Please note, if you have a Restricted Card, we are required by regulation to establish your identity before redeeming e-money from your Card.

7.3 You can obtain redemption of any unused funds by contacting the Programme Hotline.

7.4 Any redemption shall be made together with a pro-rata refund of any annual or monthly fee that you have paid in advance with respect to the Card (if applicable).

7.5 Our procedures may require us to carry out various checks reasonably required to prevent fraudulent use of your Card before we can process your redemption request.

7.6 If we find any additional withdrawals, fees or charges have been incurred on your Card following the processing of your redemption funds, the Programme Manager reserves the right to invoice you and will require you to refund it within 14 days of the invoice. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager, the Programme Manager reserves the right to take all steps necessary, including legal action, to recover any monies outstanding.

8. CARDHOLDER LIABILITY AND AUTHORISATIONS

8.1. We may restrict or refuse to authorise any use of your Card in any legal jurisdiction if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about to commit a crime or other abuse in connection with the Card.

8.2. Where appropriate, any refusal to authorise a Transaction will be relayed to you via the Merchant concerned.

8.3. If we need to investigate a Transaction on the Card then you must cooperate with us, or any other authorised body if this is required.

8.4. You should never:

8.4.1. allow another person to use your Card;

8.4.2. record your PIN in writing, or with your Card or otherwise; or

8.4.3. disclose your PIN to or otherwise make it available to any other person, whether verbally or by entering it in a way that allows it to be observed by others or otherwise.

8.5. You will be responsible for all Transactions which you or any additional Cardholder authorise, whatever the manner of authorisation.

8.6. You agree to indemnify and hold harmless us and our distributors, partners, agents, sponsors (including without limitation Clydesdale Bank PLC), and service providers and their group companies for and against the costs of any legal action taken to enforce these terms and conditions and/or any breach of these terms and conditions or fraudulent use of your Card or PIN by or authorised by you.

9. LOST, STOLEN OR DAMAGED CARDS

9.1. You should treat the e-money on your Card like cash in a wallet. If you lose your Card or it is stolen you may lose any e-money on it in just the same way as if you lost your wallet.

9.2. In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card, or if your Card is damaged or malfunctions, you must immediately contact the Programme Hotline. You will be asked to provide us with your Card Number and some identifying details. In the event that you notify us in accordance with this Agreement that your Card has been lost or stolen, you will be liable for a maximum of £50 of any losses that take place prior to the date on which you gave such notification to the Programme Hotline.

9.3. Provided that you have given us notification in accordance with paragraph 9.2 and that paragraph 9.4 does not apply, then you will not be liable for losses that take place following the date on which you gave such notification to the Programme Hotline. If there is an Available Balance remaining on your Card, we will replace your Card and transfer the last Available Balance onto it. Alternatively, your Available Balance can be redeemed to you, unless we have any reason to believe that the notified incident has been caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or improper conduct. If we replace the Card, the Card should be delivered to your home address (fees apply, see paragraph 11).

9.4. In the event that we have reason to believe you have acted fraudulently or you have acted with gross negligence or acted intentionally in failing to notify us of the lost or stolen Card, then you shall be liable for the losses.

10. TRANSACTIONS MADE IN FOREIGN CURRENCIES

If you make a Transaction in a currency other than Pounds Sterling (a ‘Foreign Currency Transaction’), the amount deducted from your Account will be converted to Pounds Sterling on the day we receive details of that Foreign Currency Transaction. We will use a rate set by MasterCard which will be available on each Business Day and changes in the exchange rate shall take effect immediately. Exchange rates can fluctuate and they may change between the time a Transaction is made and the time it is deducted from your Available Balance. For Transactions made within the EEA in an EEA currency, you can find out the MasterCard Exchange Rate by emailing the Programme Hotline. We will charge a Foreign Exchange Fee on all Foreign Currency Transactions (please see paragraph 11).

11.FEES

11.1. The Cards are subject to certain fees as follows:

Fee TypeCost
Annual fee (single Card) £5.00 (FREE for the first year)
Additional Card annual fee £2.99
Foreign Exchange Fee for Merchant Transactions 4.0% of the Transaction amount
Replacement Card Fee £10.00
Expired Card Fee (that has an Available Balance) £5.00 (per month)
Redemption Fee £5.00 (if applicable)
Debit Card Instant Top-up Fee £2.50
Debit Card 4 Day Top up Fee £200 and over – FREE
Less than £200 - £0.50
Upgrade from Restricted Card to non-Restricted Card £5.00 per upgrade

11.2. We will deduct any taxes or charges due from the Available Balance on your Card. If there is no Available Balance of funds on your Card, or taxes or charges exceed the Available Balance on your Card, the Programme Manager reserves the right to invoice you and require you to refund it within 14 days of the invoice. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager, then the Programme Manager reserves the right to take all steps necessary, including legal action, to recover any monies outstanding.

11.3. All Card fees are inclusive of VAT. VAT invoices will not be issued.

12. DISPUTES

12.1. If you have a reason to believe that any of the Transactions for which your Card was used are unauthorised or has been posted to your Account in error, then at your request we will examine your Account and the circumstances of the Transaction. We strongly recommend that you check the Website on a regular basis as it is updated instantly and notify us by contacting the Programme Hotline as soon as possible, but in any event within 13 months of the date of the relevant Transaction. Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence as to whether the Transaction was authorised and may therefore increase the time involved in investigating the Transaction. If you dispute the Transaction, the Merchant must be able to prove that the Transaction actually took place.

12.2. Once we are reasonably satisfied that you did not authorise the Transaction and that we are required to refund the Transaction under this Agreement, then we will refund the Transaction amount together with any charges on that amount and will have no further liability to you. We may require you to liaise with the appropriate authorities with respect to the disputed Transaction.

12.3. Until our investigation is complete the disputed amount will be unavailable to spend. If we credited the value of the disputed Transaction and we subsequently receive information that proves that the Transaction was genuine, then it will be deducted from your Account. In this event we will charge you a £10 administration fee.

12.4. We reserve the right not to refund sums to you if we believe that you have not acted in accordance with this Agreement and failed to report any fraudulent activates to the relevant authorities.

13. CANCELLATION

13.1 You may cancel your Card before activating it, and up to 14 calendar days after the date of activation (“Cancellation Period”), without giving a reason by writing to Customer Services at the address given in paragraph 20 of this Agreement. This does not apply to replacement Cards where the Cancellation Period for the original Card has expired. Upon cancellation, we will refund to you within 30 days any Available Balance on your Card.

13.2 You may terminate your Card any time after the Cancellation Period by exercising your rights under paragraph 7. You will not be charged for cancelling your Card however, a redemption fee may apply if you choose to redeem the Available Balance on your Account (please see paragraph 7).

14. VARIATION

14.1. We may change the terms and conditions of this Agreement, including charges, fees and limits, at any time by providing you with at least 60 days’ notice by email (providing you have given us a current and valid personal email address) and will ensure the most recent version is always available on the Website.

14.2. If any changes are to your advantage then we may make the change on less than 60 days’ notice.

14.3. You may terminate your Card at any time within the 60 day notice period if you do not agree with the changes to the terms and conditions. However, in the event that you do not cancel during this period then you will be deemed to have accepted them and the changes will apply to you.

14.4. If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirements. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as practical. We will update our terms and conditions to reflect the new regulatory requirements when they are next reprinted.

15.TERMINATION OR SUSPENSION

15.1. We can terminate this Agreement

15.1.1. at any time if we give you 60 days' notice and refund the Available Balance to you; or

15.1.2. with immediate effect if you have breached this Agreement, or if we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your Transactions due to the actions of third parties.

15.2. We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:

15.2.1. we discover that any of the information that you provided to us when you applied for your Card was incorrect; or

15.2.2. a Transaction has been declined because of a lack of Available Balance; or

15.2.3. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties.

15.3. In the event that we do suspend or cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards. We may advise anyone involved in the Transaction if a suspension has taken place.

15.4. You can terminate this Agreement at any time by contacting the Programme Hotline.

16. OUR LIABILITY

16.1. Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations:

16.1.1. We shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited to a failure of network services and data processing systems;

16.1.2. We shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;

16.1.3. where the Card is faulty due to our default, our liability shall be limited to replacement of the Card;

16.1.4. in the unlikely event that sums are deducted from your Available Balance but you did not authorise such deduction in accordance with these terms and conditions then our liability shall be as set out in paragraph 12; and

16.1.5. in all other circumstances where we are in default, our liability will be limited to redemption of the Available Balance remaining on your Card.

16.2. Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.

16.3. To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.

16.4. The above exclusions and limitations set out in this paragraph 16 shall apply to any liability of our affiliates such as the Programme Manager, Clydesdale Bank PLC, MasterCard International Incorporated or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

17. YOUR INFORMATION

17.1. You may provide us with personal data from time to time in connection with your Card. Some personal data will be necessary for us to provide you with the Card and services under this Agreement. You must notify us immediately of any change of name and address by contacting the Programme Hotline.

17.2. We and our affiliates are committed to maintaining your personal data in accordance with the requirements of the Data Protection Act 1998 and will take all reasonable steps to ensure that your personal data is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law or in accordance with these terms and conditions, your personal information will not be passed to anyone without your permission. To comply with Anti-Money Laundering Regulations, we may be required to request evidence of identity from you and may use an ID verification agency or credit reference agency (whose names and addresses will be provided to you on request) both prior to and following issue of your Card for this purpose and who will add details to your records of our request for a search.

17.3. You agree that we can use your personal data in connection with the Card, and the e-money associated with the Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products and services. This may involve providing your personal data to our affiliates, agents, distributors, and suppliers including Clydesdale Bank PLC and to MasterCard® International Incorporated and its affiliates to process Transactions and for their statistical research and analytical purposes as outlined in our privacy statement. We may also transfer your personal data outside of the EEA to enable you to use the Card while you are travelling, and such countries may not offer the same protections for personal data. We may also disclose your personal data as required by law, regulation or any competent authority or agency including to authorities and agencies to investigate possible fraudulent, unlawful or unauthorised activity ("Misuse").

17.4. You may contact us at anytime to request us to stop such use or further disclosure to other companies for such use.

17.5. You have a right to inspect the personal data we hold about you however we will ask you to pay an Inspection Fee of £10 to cover our costs. For further information please contact the Programme Hotline.

17.6. If we discover that the information we hold about you is incorrect, we may have to suspend or cancel your Card until we can establish the correct information, in order to protect us both.

17.7. If we believe that you have been involved in any Misuse then we may contact the Company to advise them of such Misuse and you hereby consent to the disclosure of your personal data to the Company in this context.

18. COMPLAINTS PROCEDURE

18.1. Complaints regarding any element of the service provided by us should be sent in writing or by email to the Programme Hotline.

18.2. All complaints will be subject to our Complaints Procedure. We will provide you with a copy of our Complaints Procedure upon request and, if we receive a complaint from you, a copy of our Complaints Procedure will automatically be posted to you.

18.3. If we fail to resolve your complaint to your satisfaction you may refer your complaint to the Financial Ombudsman Service (South Quay Plaza, 183 Marsh Wall, London E14 9SR; phone 0845 080 1800). Details of the service offered by the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk.

18.4. The Financial Services Compensation Scheme is not applicable for the Card. No other compensation schemes exist to cover losses claimed in connection with the Card. We will however, in the unlikely event of our insolvency, safeguard your funds to protect them.

19. GENERAL

19.1. Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.

19.2. If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.

19.3. You may not assign or transfer any of your rights and/or benefits under these terms and conditions and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or have expired and all sums due under these terms and conditions have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement.

19.4. No third party who is not a party to this Agreement has a right to enforce any of the provisions of these terms and conditions, save that Clydesdale Bank PLC, MasterCard International Incorporated and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them and a person specified in paragraph 16.4 may enforce paragraph 16.

19.5. This Agreement contains the information set out in Schedule 4 of the Payment Services Regulations 2009 and you can obtain a copy of this Agreement at any time by visiting the Website.

19.6. This Agreement is governed by English law and you agree to the non-exclusive jurisdiction of the courts of England and Wales.

20. CONTACTING THE PROGRAMME HOTLINE

If you need assistance, you can contact the Programme Hotline by calling the hotline telephone number 0845 273 9715 between the hours of 9.00am and 5.30pm on Monday to Friday (excluding bank holidays), by writing to petsinsuretogether, P&MM Limited, Avalon House, Breckland, Linford Wood, Milton Keynes, MK14 6LD. A Lost and Stolen service is also available 24 hours a day, seven days a week on the Programme Hotline number.

MasterCard is a registered trademark of MasterCard International Incorporated

Pets Insure Together is a trading name of Insure Together Limited which is an introducer appointed representative of BDML Connect Limited. Pets Insure Together pet policies are arranged and administered by BDML Connect Ltd, an insurance intermediary authorised and regulated by the Financial Services Authority (FSA number: 309140). You can check this information on the FSA's website at www.fsa.gov.uk/fsaregister or by contacting the FSA on 0300 500 5000.

Your pet insurance is underwritten by Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover. Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover are both authorised and regulated by the Financial Services Authority.

* All cashback is only applied to active Pets Insure Together Cashback Cards. All Pets Insure Together pet insurance policies that are issued will include an automatic enrolment to the Pets Insure Together Cashback Card. Terms and conditions will apply.

Issuer statement
This card is issued by Clydesdale Bank PLC pursuant to license by MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Limited, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Limited is a registered service provider of Clydesdale Bank PLC. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.