These are the terms of the agreement between us, Barclays Bank Plc, 1234 Pavilion Drive Northampton NN4 7SG and you. You must tell us as soon as possible if you change your name, address, email or telephone number.
In this agreement ‘we’, ‘us’ and ‘our’ mean Barclays Bank PLC
“Account” means the electronic money account we provide in your name where the funds are held and linked to the PayBand
“Balance” means the amount of electronic money held on your Account
“Registered Card” means the UK issued credit or debit card which you have registered with us
“Transaction” means any payment made using the PayBand
“PayBand” means the prepaid Barclaycard PayBand wristband issued to you under this Agreement
“BBST” means Barclaycard presents British Summer Time in Hyde Park on 5-14 July 2013.
Unless we state otherwise in this agreement, you may contact us by calling us on 0844 736 4220 or writing to us at Barclaycard PayBand, PO Box 6065, Bournemouth BH1 9AY. When you call us you will have to answer security questions based on details that we collect during the application process.
2. Changed your mind?
You can cancel this agreement, within 14 days after the day you register, by for example calling or writing to us. You will have to pay for any Transactions that you incur before you cancel.
3. Using your PayBand
3.1. The PayBand can be used to make contactless purchases of up to £20 at UK retailers accepting Mastercard PayPass contactless payments. The maximum balance you can have is £200. You will not be able to load and spend more than a cumulative total of £500 during the lifetime of your PayBand.
3.2. Your PayBand will expire at 00:01 on 15th July 2013 after BBST. You have a right under condition 4.4 to request a return of unspent funds at any time; if there is still any money left on your Account we will return it to your Registered Card automatically on 19th July 2013.
3.3. You can view your Balance and details of payments in and out of your Account online at www.barclaycardpayband.com or at a Barclaycard PayBand Help Desk at BBST. Please tell us as soon as possible if there is something which you think is wrong.
3.4. If you make a purchase, the amount will be taken from the available balance on your Account immediately.
3.5. This is not a credit facility. You can only use your PayBand if you have enough money in your Account to cover the Transaction.
4. Adding Money
4.1. You can add money onto your Account from your Registered Card using www.barclaycardpayband.com, at a Barclaycard PayBand Help Desk at BBST, or using the auto top up facility.
4.2. The minimum amount you can add each time is £20 and the maximum is £200 (maximum £200 per day). The maximum Balance you can hold is £200. You may not add to your Balance more than 4 times per day (this includes auto top ups).
4.3. You can ask us to automatically top up your account with up to £50 if your Balance goes below £20. You can set this up or cancel it at any time if you change your mind, through www.barclaycardpayband.com. The maximum amount of auto top ups per day is £200, if a maximum of 4 auto top ups of £50 are added to your Balance during the day.
4.4. You can ask us to return money on your Account any time by calling us. We will pay it back to your Registered Card and it will reach the issuer of that card by the end of the next working day. If we cannot send it to your registered card, we will send you a cheque to your postal address for the amount of the unspent money.
5. Making Payments
5.1. If you want to make a payment using the PayBand, you need to authorise the Transaction by holding the PayBand next to a contactless terminal.
5.2. Once you have authorised a payment from your Account we cannot change or cancel it.
6. Taking care of your PayBand
6.1. The PayBand may only be used by you. You must keep it safe and not allow anyone else to use it.
6.2. You must use your Account user name and password in order to access www.barclaycardpayband.com. You must learn your Account user name and password and keep them secret. Never write them down without disguising them.
7. If your PayBand is lost or stolen
You must tell us as soon as possible if you think that your Account may be or has been misused by calling us or visiting a Barclaycard PayBand Help Desk at BBST (e.g. if your PayBand is used without your permission or someone else may know your password).
7.2. If your PayBand has been lost or stolen please call us on 0844 736 4220 (24 hour number) or visit a Barclaycard PayBand Help Desk at BBST. Once you have told us we will block your Account.
7.3. You must give us all the information you have about the loss, theft or misuse. We may give this to the police.
8. Blocking your Account and refusing Transactions
8.1. We may prevent or limit use of your Account if we reasonably consider it necessary:
8.1.1. to protect the security of your Account; or
8.1.2. because we suspect there may be or has been unauthorised use of your PayBand.
Unless the law prevents us from doing so, we will try to contact you to tell you if we prevent or limit the use of your Account, the reasons for doing so and what you can do to resolve the issue. You can also contact us to find out why we have blocked or limited your Account.
8.2. We may refuse to approve a Transaction if:
8.2.1. it would be in breach of this agreement;
8.2.2. you do not have enough available balance on your Account;
8.2.3. we reasonably consider it necessary to protect the security of your Account;
8.2.4. we are required to by law or by a court or other authority;
8.2.5. the payment seems unusual compared with the way you normally use your Account;
8.2.6. you have reported your PayBand as lost or stolen;
8.2.7. we suspect fraud or illegality;
8.2.8. we reasonably believe the Transaction would damage our reputation; or,
8.2.9. the transaction relates to gambling.
You can also contact us to find out why we have refused to carry out a Transaction.
8.3. If we refuse a Transaction in accordance with condition 8.2 this agreement will continue and we will not be responsible or incur liability for any loss or damage you may suffer as a result.
8.4. When considering whether you have available balance on your Account to make a Transaction we may take into account amounts that have not yet been added to your Account balance such as prospective Transactions that we have authorised.
8.5. We will not be liable to you for losses or costs caused by abnormal and unforeseeable events which are outside of our control, which might for example include a machine failing to work or industrial disputes, and which would have been unavoidable despite all efforts to prevent them, or resulting from us complying with any regulatory or legal requirement.
8.6. We will not be liable if you cannot use your PayBand because a retailer refuses to accept it or you have caused damage to it.
9. Refunds and claims
9.1. We will refund a Transaction to your Account if the retailer asks us to or if it was an error.
9.2. If you did not authorise a Transaction we will refund it immediately as long as you tell us within 13 months of the Transaction. We will have no further liability to you.
9.3. You have a right to a refund if you have agreed that a retailer can take a payment from your Account, and at the time you authorise the payment the exact amount was not specified. If when the payment is taken it is more than you could reasonably have expected, we will refund it as long as you tell us within eight weeks. We will ask you to provide evidence.
9.4. If you have acted fraudulently, you will be liable for all Transactions.
10. Ending this agreement
You can end this agreement by calling or writing to us at anytime. Otherwise, this agreement will end on 19 July 2013.
11. Other provisions
11.1. The terms of this agreement are governed by English law and subject to the non-exclusive jurisdiction of the English courts. This agreement is in English and we will only communicate with you in English.
11.2. You cannot use a claim you may have against someone else to make a claim against us.
11.3. You cannot transfer any rights against us to anyone else.
11.4. The Financial Services Compensation Scheme does not apply to your Account.
11.5. You can ask us for a copy of this agreement at any time.
11.6. We will not charge you for this service, but other taxes and costs payable to third parties may apply.
12.1. If you have a complaint about us, please write to us at Barclaycard, Barclaycard PayBand, PO Box 6065 Bournemouth BH1 9AY or call us on 0844 736 4220 where a customer services adviser will explain our Complaints Procedure and try to resolve your complaint.
12.2. If we do not resolve your complaint, you may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0845 080 1800 or email complaint.info@financial–ombudsman.org.uk. Any complaints will not affect your right to bring a legal claim.
How We Use Your Information
13. Your personal information
By ‘your information’ we mean personal and financial information about you we collect, use, share and store. This includes information we:
13.1. obtain from you or from third parties, such as employers, joint account holders, fraud prevention agencies or other organisations when you apply for a product or service, or at any other time, through any type of communication or means; verbal, written or electronic, including letters, calls, emails, websites (e.g. internet protocol (IP) address, cookies), applications, telephone systems (we may capture automatically and use any telephone number you call us from), registrations, research, promotions and competitions or through accounts or products you previously had with us;
13.2. learn from the way you use and manage your account, from the transactions you make such as the date, amount, currency and the name and type of supplier you use (e.g. travel, supermarket or medical services) and from the payments which are made to your account.
14. How we use your personal information
14.1. We and other companies in the Barclays Group and other organisations as described below will collect, use, share and store your information:
14.1.1. to administer and manage your application, account, and any payments you make using your PayBand and provide you with products and services and inform you about any changes to them;
14.1.2. for assessment, testing (including systems tests) and analysis, including behaviour scoring, statistical, market and product analysis;
14.1.3. to prevent, detect and prosecute money laundering, fraud and other crimes;
14.1.4. to improve the accuracy of our records;
14.1.5. to develop and improve our services to you and other customers;
14.1.6. to respond to your inquiries or complaints;
14.1.7. to carry out checks or other work to meet our obligations to any regulatory authority;
14.1.8. to protect our interests, including locate you and recover any debts you owe, cross-check details on proposals or claims for all types of insurance, to process and collect charges;
14.1.9. to identify and inform you by letter, telephone (including automated dialling, digital television), text messages or electronically about products and services (including those of others) which may be of interest to you, unless you tell us not to contact you about these;
14.1.10. to manage and provide any rewards and offers and administer any promotions and competitions; and
14.1.11. in any other ways described below and in these terms and conditions.
14.2. We will keep information about you and how you manage your account private and confidential, but may share it as follows:
14.2.1. with fraud prevention agencies in the ways described below;
14.2.2. with other companies within the Barclays Group;
14.2.3. with people who provide a service to you (when you use your PayBand to make payments), or provide services to us, or are acting as our agents, on the understanding that they will keep the information confidential;
14.2.4. with any company that we are providing products or services in conjunction with;
14.2.5. with anyone to whom we transfer or may transfer our rights and duties under this agreement;
14.2.6. with any third party as a result of any restructure, sale, merger or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us;
126.96.36.199. if you have consented;
188.8.131.52. if we have a duty to do so or if the law, public interest, or this agreement allows us to.
14.3. We may use automated processes when we use your information for any of the purposes listed in these terms and conditions.
14.4. You must write to us at Barclaycard PO Box 9133, 51 Saffron Way, Leicester LE18 9DE or call us on 0844 822 3201 if you don’t want us or other members of the Barclays Group to tell you about other products and services. It would help us if you give us your bank details and the numbers of any Barclays Group cards, insurance, unit trust and other accounts or policies. When we send you marketing communications by e-mail or SMS, you will always be given the opportunity to “unsubscribe” or “stop”. You can manage your marketing preferences by logging on to your account at www.barclaycard.co.uk and selecting “Your Details”.
14.5. We will retain information about you after the closure of your account for as long as permitted for legal, regulatory, fraud prevention and legitimate business purposes.
15. International Transfers
15.1. If we transfer your information to a person in another country, we will make sure they apply the same levels of protection as we do to information held in the UK, and only use your information for the purposes that we have permitted.
15.2. In order to make or receive some payments, the details of the payment (including information relating to those involved in the payment) may be received from or sent abroad, where it could be accessible by overseas regulators and authorities in connection with their legitimate duties (e.g. the prevention of crime). By using your PayBand to make payments you agree to this on behalf of yourselves and others involved in your payments.
16. Further information
16.1. You can ask us for a copy of the information we keep about you. A fee will be charged for this service.
16.2. If you believe that any information we hold about you is incorrect or incomplete, you should write to us immediately and we will correct it promptly.
16.3. You agree that we may record and/or monitor calls between us in the interest of security, for quality control and to ensure better customer servicing, staff training and account operation.
This information is available in large print, Braille or audio format by calling 0844 736 4220*
*Call charges apply. Please check with your service provider.