The Card Services Application (the “App”) is provided by MBNA Limited of Stansfield House, Chester Business Park, Chester CH4 9QQ (“we”, “us”, “our”) to you. We are authorised and regulated by the Financial Conduct Authority and we are entered in the Financial Conduct Authority’s register with Financial Conduct Authority Register Number 204487.
1. Eligibility criteria
1.1 You can only access and use the App if you are a main cardholder and you have registered to use your account online pursuant to the Online Terms and have a username and password for such purpose. You will need your username and password to sign up for the App.
1.2 You are responsible for making all arrangements necessary to ensure that you have access to the App.
2. Use of the App
2.2 The App allows you to view your account balance(s) and recent transaction history, make debit card payments to your credit card account that you hold with us and receive such other services as we may provide to you from time to time, together, the “Services”.
2.3 The App will only be supported by us in English.
Except as permitted by applicable law, you agree (i) not to copy or reproduce in any way the whole or any part of the App or disassemble, decompile, attempt to derive the source code or reverse-engineer the App; (ii) not to rent, lease, sub-license, loan (or otherwise distribute), translate, merge, adapt, sell, vary, reproduce, create derivative works, exploit, publish or modify the App; (iii) not to make alterations to, or modifications of, the whole or any part of the App, or permit the App or any part of it to be combined with, or become incorporated in, any other programs; (iv) not to remove or tamper with any copyright notice attached to or contained within the App; or (v) not to use the App to violate, tamper with or circumvent the security of any computer network, software, passwords or otherwise engage in any illegal activity or enable others to do so.
4.1 We will make reasonable efforts to provide you with the App but we do not provide any guarantee, warranty, representation or undertaking (i) that the App will be compatible with all or any hardware or software which you may use; (ii) that the App will be available at all times and will operate uninterrupted and error free; or (iii) relating to the integrity, reliability, accuracy or functionality of the App.
4.2 You acknowledge and agree that the App may not be available for certain periods where we are performing maintenance or upgrades to our systems or the App (as appropriate). We will have no liability to you for any damage, loss or inconvenience caused by your inability to use the App during any period when it is not available.
4.3 You acknowledge and agree that the App is provided “as is”.
5.1 You must (i) take all reasonable steps to keep all PINs, passwords, passcodes, log in details, identification information and other security details (together, “Security Details”) safe and not disclose your Security Details to any other person; (ii) not leave the device from which you have accessed the App or let anyone else use the device once you have logged in until you have logged off and log out of the App as soon as you have finished using it (rather than leaving the App running in the background still logged in); (iii) follow all security measures recommended by the manufacturer of the device you use to access the App; (iv) not install or use the App on a device that has been “jail-broken” or rooted; and (v) follow any other reasonable security requirements that we implement in the future.
5.2 If you suspect that another person knows your Security Details you must tell us immediately by calling the contact number on the reverse of your credit card.
5.3 Your device’s security is your responsibility. You acknowledge that it is your responsibility to delete the App from your device before you change or dispose of your device.
6.1 We will not charge you to download or use the App but you acknowledge and agree that you may be charged by your mobile phone network operator or telecommunications provider in connection with your use of the App.
7. Your data
7.2 You will be asked if you consent to our use of your GPS location data when you download the App or the first time you use the App. This information is used as part of our security checks. You can manage how the App accesses your device or information (including GPS location data) using privacy settings on your device or by uninstalling the App. We may also use cell tower information as part of our fraud checks when you use the App.
7.3 We use analytics technology provided by third parties (such as Google Analytics) to provide us with analytics information including statistics about how customers use the App. This helps us improve our understanding of how our services are used so we can enhance the quality of our services.
8.1 We may change the Services available through the App from time to time.
9. Suspension and termination
9.1 We may suspend, withdraw or restrict your use of the App or any part of it on reasonable grounds relating to (i) the security of the App; (ii) the suspected unauthorised or fraudulent use of the App; (iii) a significantly increased risk that you will be unable to meet any financial commitments you owe to us under any agreement; or (iv) if the App is withdrawn or we stop supporting the App on your device or operating system.
9.2 We will usually notify you before suspending, withdrawing or restricting your use of the App and provide you with our reasons for doing so. If we are unable to contact you before suspending, withdrawing or restricting your use of the App, we will do so immediately afterwards. We will not notify you in accordance with this term if doing so would compromise our reasonable security measures or be otherwise unlawful.
10.3 You can contact us by calling the contact number on the reverse of your credit card or writing to us at MBNA Limited, P.O. Box 1004, Chester Business Park, Chester CH4 9WW.