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Privacy Notice

WFL (UK) Limited Privacy Notice

Effective Date: 25 May 2018


WFL (UK) Limited and its subsidiaries and affiliates (collectively, the "Company", "we", "us" and “our”) are committed to safeguarding the privacy and personal information of our customers and business partners. This Privacy Notice explains how we may collect, use, process, share, and store personal information about you, including through designated third-party service providers, and the choices that are available to you regarding this information. Please read this Privacy Notice carefully to understand our views and practices regarding your personal information and how we will treat it.

In addition to information kept in hardcopy, this Privacy Notice also applies to Company-related websites, online applications that run on smart phones, tablets, mobile devices (“apps”), and other online services that we offer which link to this Privacy Notice. Please note also that our websites may contain links to other websites.

What information do we collect about you?

Information you give us

We collect information about you when you open an account with us, purchase our products and services and/or remit payment for services. We also collect information about you using cookies, and if you interact with us via phone, social media, websites, or apps.

The types of information that you may give us vary depending on the specific entity with which you are doing business and/or the particular services requested. For example, you may be purchasing land fuel products and/or related services, engaging with us to provide energy management services, utilising our software offerings, or using our payment solutions technology. The information you may give us could include categories such as, but not limited to, your name, work or personal address, e-mail address, phone number, date of birth, gender, financial and/or credit card information, driving license information, personal description and/or photograph, as well as customer data, payment data, employee data and/or website user data.

Cookies and website usage

Our websites may use cookies to distinguish you from other users of our websites. This helps us to improve the functionality and content of the websites, including keeping our websites and records safe and secure, and to facilitate usage by you. For more information regarding our use of cookies, please review the WFL (UK) Limited Cookie Policy, as well as the information contained in the banners of our various websites.

Please note that our websites are not intended for children under 13 years of age, and we do not knowingly solicit data online from, or market online to, children under 13 years of age.
Where we have given you (or where you have chosen) a password to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to/from our websites -- any transmission is at your own risk.

Information we receive from other sources

We may receive information about you if you use any of the other websites we operate or the other services we provide. We also work closely with third parties (including, for example, business partners, sub-contractors, payment and delivery services, advertising networks, analytics providers, search information providers, and credit reference agencies) and may receive information about you from them.

How do we use the information about you?

We use your information to provide you with information, process orders for products and services that you request from us, and administer or otherwise carry out our obligations in relation to any agreement you have with us. The Company retains your information for the period necessary to serve a legitimate purpose or as required by law.  

We may also use this information to provide you with information about goods or services we feel may interest you. If at any time you wish us to stop using your information for any the above purposes, please contact us using the methods explained below. We will stop the use of your information for such purposes as soon as it is reasonably possible to do so.

How do we share your information?

We may share your personal information with other members of our group of companies and with selected third parties for the performance of any contract we enter into with them or you. These third parties will not use your personal information for any other purposes than what we have agreed to with them, and we request those third parties to implement adequate levels of protection in order to safeguard your personal information.

Since the Company operates globally, the data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). For example, it may be processed by staff operating outside the EEA who work for us, our subsidiaries, or for one of our suppliers in relation to the fulfilment of your order. While the information is under our control, the Company seeks to ensure that your personal information receives the same level of protection as it would had it stayed within the EEA, including seeking to ensure that it is kept secure and used only in accordance with our instructions and for legitimate purposes.

In the event we go through a business transition, such as a merger, acquisition of another company, or sale of part or all of our assets, we may disclose your personal information to third parties and your personal data held may be among one of the assets transferred.

We may also automatically collect non-personal information about you such as the type of internet browsers you use or the website from which you linked to our website. We may also aggregate details which you have submitted to us. You cannot be identified from this information and it is only used to assist us in providing effective services, including in connection with this website.

Finally, we may be under a duty to disclose or share your personal information for various other reasons, such as to comply with a legal obligation; to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of the Company, our customers, or others. This could include, for example, exchanging information with a law enforcement agency or regulator; or with companies and organisations for the purposes of fraud protection and credit risk reduction.

Potential rights under the GDPR

Under the EU General Data Protection Regulation (“GDPR”), if you are a citizen or resident of an EEA country or Switzerland, you may have certain rights regarding your personal information:
•    Right to access information maintained about you;
•    Right to ensure your data is accurate and complete;
•    Right to erasure, or the right to be forgotten;
•    Right to restriction or suppression of personal data;
•    Right to data portability;  
•    Right to withdraw consent if consent was previously provided; and
•    Right to raise a complaint to the Information Commissioner’s Office.

If you are eligible to invoke one of the rights listed above and wish to do so, you may contact us as part of a subject access request using the details found below. Please note that we may not always be able to fulfill your request as there may be legitimate purposes, such as certain legal or statutory obligations, that require us to retain your information as stored or if we believe the change would cause the information to be incorrect.


Updates to our Privacy Notice

As appropriate, we may make changes to this Privacy Notice that will be posted online and, where appropriate, be sent to you by e-mail. Please check back frequently to remain aware of any updates or changes to this Privacy Notice.

How to contact us

We encourage you to first visit our WFS Data Privacy Center, which contains additional information regarding our policies and procedures. If you have additional questions, or believe you are eligible to submit a subject access request, you can reach us by email at or by post at:

Customer Services (personal data preferences), WFL (UK) Limited, Lindum House, Causeway End, Brinkworth, Chippenham, Wiltshire, SN15 5DN

General terms and conditions

Please click on the relevant terms and conditions for you:

Consumer Customers

Commercial Customers

Previous terms and conditions

Website terms & conditions

Terms and conditions

  1. This website (the "Website") is owned and operated by Watson Fuels ("Watson Fuels"). Your use of and access to the Website is subject to these Terms and Conditions (including the Privacy Policy). If you breach any of these Terms and Conditions, your permission to use and access the Website will automatically terminate.

  2. All material published on the Website is provided "as is" and that, to the fullest extent permissible by law, Watson Fuels makes no representation or warranty (whether express or implied) in respect of such material and specifically makes no representation or warranty that the operation of the Website will be uninterrupted and/or error free, that defects will be corrected, or that the Website (or the server that makes it available) will be free of viruses or bugs.

  3. The Website is for use only by residents of the UK, aged 18 and over.

  4. Watson Fuels will acknowledge any order made by you through the Website but this will not constitute acceptance of your order.

  5. All orders made by you through the Website are subject to acceptance by Watson Fuels who may choose not to accept any order, for any reason. Payment for your order will be taken by or on behalf of Watson Fuels at the time you place your order but, for the avoidance of doubt, no contract will exist between you and Watson Fuels for the supply by Watson Fuels to you of any goods or services unless and until Watson Fuels sends you an e-mail confirming that it has accepted your order.

  6. All contracts between you and Watson Fuels will be made in English.

  7. Details of all orders received from you will be kept by Watson Fuels and will be available on request by you. You may correct and/or amend your order at any time up to acceptance by Watson Fuels.

  8. Prices may vary according to quantity of order, delivery schedules etc. Watson Fuels will advise you of the price for your order when it sends you the e-mail confirming acceptance of your order. However, Watson Fuels reserves the right to cancel or amend all or part of your order (including e.g. as to price and/or delivery time) without prior notice and without liability to you in the event of circumstances beyond its reasonable control.

  9. Once your order has been accepted, Watson Fuels will arrange delivery of the goods to your premises in accordance with the delivery details provided by you. Time is not of the essence for these purposes. Delivery may be made by such instalments as Watson Fuels deems appropriate. The quantity shown on Watson Fuels's paperwork shall, in the absence of manifest error or fraud, be conclusive evidence of the quantity delivered. You must ensure that Watson Fuels (including its employees, agents and subcontractors) have all necessary vehicular access to your premises in order to allow delivery to be made. You must also ensure that all relevant storage facilities are suitable (in terms both of size and specification) for the goods to be delivered. Failure to comply with your obligations under this paragraph will result in the goods nevertheless being deemed to have been delivered in accordance with your order (such that risk in them will pass to you from that time and Watson Fuels may charge you all reasonable costs related to their further administration, storage, insurance, transport, delivery etc).

  10. Except as set out below, you may cancel any order for the supply of goods up to the end of seven working days from the date of delivery and you may cancel any order for the supply of services up to the end of seven working days from the date of acceptance of your order. You will have no right to withdraw from any contract made with Watson Fuels for the supply of goods (e.g. fuel oil) where the goods have been delivered to you and, by reason of their nature, they cannot be returned or are liable to deteriorate or expire rapidly or their price is dependent on fluctuations in the financial market which cannot be controlled by Watson Fuels. You will have no right to withdraw from any contract made with Watson Fuels for the supply of services where performance of the services has begun, with your agreement, within seven working day's of acceptance by Watson Fuels of your order.

  11. Nothing in these Terms and Conditions affects your statutory rights as a consumer.

  12. Watson Fuels reserves the right to sub-contract the performance of any order made by you.

Complaints handling

At Watson Fuels, we have been delivering excellent customer service for over 60 years. We always endeavour to do everything we can to ensure every customer has the best possible experience. However, we know from time to time things can go wrong. If that happens, please let us know so we can put it right.

To get in contact with us, please call us on 01666 510345 where our staff will resolve most concerns straightaway. Alternatively, you can email and we will be in touch within two working days.

For more information on our Complaints Procedure please click here where you will be able to find out how your concern will be dealt with.

Modern Slavery Act

We respect the rights and dignity of all people and are committed to preventing modern slavery in our operations and supply chains. Our Code of Conduct and Business Partner Code of Conduct make clear that we do not tolerate human rights abuses in our supply chains and that we expect our suppliers to act accordingly. In accordance with the UK Modern Slavery Act, click the button below to download a copy of our Statement.


UK Gender Pay Gap

  Certain of our UK subsidiaries are required by law to report the gender pay gap information posted below. 


Prize Draw Terms

Offer starts [21st August 2018] Ends [21st November 2018].

Qualifying products – all brands of lubricants over 200 litres. Does not include AdBlue or Fuel orders.

One entry per household/business.

Customers must reference WIN1000 when placing an order so that they can be entered into the draw.

The prize of £1,000 credit towards your next order of fuel/lubricants must be redeemed within 6 months of being awarded.

Terms & conditions apply

Full Terms and Conditions:

1) The prize is as set out in the prize draw information, in accordance with the terms and conditions below. No cash alternative will be made available.

2) The Promoter is WFL (UK) Limited.

3) The prize draw is open to the Promoter’s domestic customers, aged 18 or over, who are resident in mainland England, Scotland or Wales only.

4) Employees of the Promoter and its associated or group companies and their immediate families and anyone else professionally connected with the prize draw are excluded from the prize draw.

5) The prize draw will open at 00.01 on the 04/09/2018 and the closing date of the prize draw is 23:59 on the 30/11/2018. Entries received after that time will not be considered.

6) The winner of the prize will be the first eligible entrant drawn at random after the prize draw has closed.

7) The winner will be contacted by the Promoter using the details provided at the time of entry.

8) The Promoter will carry out a pre-screening check to determine whether the winner is eligible for the prize. The Promoter reserves the right to choose another winner should the original winner not be eligible (at the Promoter’s sole discretion).

9) Entry details are as set out in the prize draw information. The Promoter accepts no responsibility for entries that are delayed, misdirected or incomplete or cannot be delivered or entered for any technical or other reason. Proof of transmission is not proof of receipt by the Promoter.

10) The winner will be notified by email no more than 2 full weeks after the closing date.

11) Only one entry is permitted per household. Third party or bulk entries will be excluded from the prize draw.

12) No costs or expenses incurred by you in entering the prize draw will be reimbursed by the Promoter.

13) By entering the prize draw, you will be deemed to have accepted and be bound by these terms and conditions and by any other requirements set out in the prize draw information or promotional material.

14) The Promoter reserves the right to hold void, cancel, suspend or amend the promotion where it becomes necessary to do so. The Promoter’s decision is final and no correspondence will be entered into.

15) Winners may be required to participate in publicity related to the prize draw which may include the publication of their name and photograph in any media.

16) Personal data

We will use the personal information You provide to Us to:
(a) provide the Products and/or Services;
(b) process Your payment for such Products and/or Services; and
(c) inform You about similar products or services that We provide, but You may stopreceiving communications about these Products and/or Services at any time by contacting Us.
More information on how We collect and use personal information and Your rights is available in Our Privacy Notice at: We will not give personal data to any other third party except as described in this clause 14 or as set out in Our Privacy Notice. Personal data supplied during the course of this promotion may also be passed on to third party suppliers and service providers but only insofar as required for fulfilment, delivery and arrangement of the prize draw and the prizes.

17) The prize draw will be governed by English law and entrants to the prize draw submit to the exclusive jurisdiction of the English courts.

Fuel Card Terms

General Terms & Conditions Of Sale For Fuel Cards And Other Products & Services To Commercial Parties




1.1. In these Conditions, the following definitions apply:

Business Days” means a day other than a Saturday, Sunday or public holiday in England when banks in London are open for business.

Business Hours” means 08:30 to 17:00 on a Business Day.

Card” means any card issued to the Customer by the Seller for the purposes of purchasing Products or Services.

Card Issuer” means the third party who issues the Card and with whom the Seller has entered in to an agreement to sell and distribute their Card.

Cardholder” means a person to whom the Customer has provided a Card (or to whom the Customer has instructed the Seller to provide a Card).

Conditions” means these general terms and conditions of sale for fuel cards and other products and services to commercial parties.

Contract” means the agreement between the Customer and the Seller that is subject to the Conditions.

Credit Event” means where:

(a) the Customer’s financial position deteriorates to such an extent that in the Seller’s opinion the Customer's capability to adequately fulfil its obligations under the Contract has been placed in jeopardy;

(b) the Seller’s trade or credit insurance provider withdraws, reduces or limits cover generally or specifically in relation to the Customer (or otherwise gives notice that it may do so);

(c) the Customer fails to pay any amount under this Contract on the due date for payment.

Customer” means a person or party that has entered in to a Contract for the supply of Cards from the Seller.

Force Majeure Event” means any event beyond a party’s reasonable control, including but not limited to strikes, lock-outs or other industrial action, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, adverse weather causing delays and/or dangerous driving and/or working conditions for the Seller’s (or its agent’s or contractor’s) staff and vehicles, inability to obtain product at a price which is commercially viable for the Seller, equipment or transportation or failure of public or private telecommunications networks.

Intellectual Property” means patents, trademarks, service marks, rights (registered or unregistered) in any designs, applications for any of the foregoing, trade or business names, copyright (including rights in computer software) and topography rights; know-how, lists of suppliers and customers and other proprietary knowledge and information; internet domain names; rights protecting goodwill and reputation and all rights and forms of protection of a similar nature to any of the foregoing or having equivalent effect anywhere in the world and all rights under licences and consents in respect of any of the rights and forms of protection mentioned in this definition.

Party” means the Customer or the Seller and “Parties” shall mean the Customer and the Seller.

PIN” means the Cardholder’s personal identification number.

Product” means fuel or motoring goods that may be purchased using the Card. Other restrictions relating to the Product may be communicated by the Seller or the Card Issuer from time to time.

Regulations” means the laws, rules, regulations, decrees, agreements, concessions and arrangements with governments, government instrumentalities or public authorities in relation to the Cards insofar as such Regulations affect the Seller or the Seller's supplier(s).

Retailer” means a retailer or other seller who is able to process Card transactions.

Seller” means WFL (UK) Limited, company number 00594001.

Service” means a fuel or motoring service that may be purchased using the Card. Other restrictions relating to the Service may be communicated by the Seller or the Card Issuer from time to time.

Tax” means all taxes or other charges, levies, fees, obligations, imposts or costs (except for the Seller’s taxes based on income) that are imposed from time-to-time by any government authority or agency or regulatory body on the privilege of buying, selling, delivery or supply of the Products and/or Services existing at the time of any transaction hereunder. Tax includes, but is not limited to: VAT, GST, mineral oil tax, sales tax, use tax, fuel duty, excise duty, Renewable Transport Fuel Obligation, Motor Fuel Greenhouse Gas Emissions Reporting Regulations, and any amendments or updates thereto.


2.1. Use of a Card by the Customer or a Cardholder constitutes acceptance of these Conditions which supersede any terms and/or conditions proposed by the Customer and any other representations or statements made by the Seller or the Card Issuer.

2.2. The Customer acknowledges and agrees that:

2.2.1. these Conditions govern the use of the Card by the Customer and the Cardholder(s); and

2.2.2. the Customer’s purchase of Product and/or Services from the Seller shall be governed by the Seller’s General Terms and Conditions of Sale (available at: or such other written agreement entered in to by both the Customer and the Seller.

2.3. The Parties hereby acknowledge and agree that they have not entered in to the Contract in reliance upon any representation or warranty or other undertaking that is not explicitly set out in the Contract.

2.4. The Seller may amend these Conditions from time to time and use of the Card shall be subject to those Conditions that are in force at the time that the Card is used.  These Conditions and any subsequent update or amendment shall be available at:

2.5. Exempt Agreement: The Customer and the Seller expressly acknowledge and agree that:

2.5.1.the Contract is an agreement to finance the purchase of Products and Services from a limited network of Retailers;

2.5.2.any credit that may be extended to the Customer is to be paid in one instalment as set out in Conditions 5.1 and 5.2;

2.5.3.any loan that may arise shall be for an amount equal to the value of the purchase made using the Card(s); and

2.5.4.subject to Conditions 4, and 5, any credit shall be provided without interest or significant charges.


3.1. The Customer acknowledges and agrees that at all times the Card remains the property of the Card Issuer and the Card shall be returned to the Seller promptly upon request.

3.2. The Customer may provide Card(s) to Cardholders at its reasonable discretion.  The provision of a Card to a Cardholder shall be deemed as giving that Cardholder authority to use the Card for the sole purpose of purchasing Products and/or Services from the Seller.

3.3. At all times, the Customer is responsible for and liable for the storage, provision and use of the Cards.  The Customer shall ensure that Cards are kept safely and securely and that Cardholders shall comply with these Conditions.

3.4. The Card may only be used:

3.4.1. by a Cardholder for the sole purpose of purchasing fuel or motoring Products and/or fuel or motoring Services from the Seller (whether directly or via a Retailer);

3.4.2. within the United Kingdom; and

3.4.3. during the period of validity shown on the Card.

3.5. If a PIN is issued with a Card then it shall:

3.5.1. only be used by the Customer and relevant Cardholder; and

3.5.2. not be disclosed by the Customer or the relevant Cardholder to any other person;

3.5.3. not be written nor recorded in such a manner that another person could understand nor compromised in any other way; and

3.5.4. be stored securely and/or destroyed upon being memorised by the relevant Cardholder.

3.6. The Customer shall notify the Seller via email at as soon as possible where the Customer believes that the security of a Card has in any way been compromised (including, but not limited to, where a Card or PIN has been lost, stolen, cloned or accessed by another person).  The Seller’s telephone line for reporting such Card security breaches is available at

3.7. Prior to agreeing to purchase Products or Services the Cardholder shall show the Card to the Retailer if requested to do so.

3.8. The Cardholder shall comply with the Retailer’s processes and/or requirements in respect of any Card transaction.


4.1. The Seller may charge a fee to the Customer for the issue of each Card (whether it is a replacement, additional or new Card).  Details of the Seller’s current fees are available upon request but may be subject to change unless otherwise agreed with the Customer.

4.2. Some Card transactions may be subject to an additional variable handling fee in addition to any price agreed with the Seller or the price prevailing at the time of the Card transaction.  Details of these variable handling fees are available from the Seller upon request but may be subject to change from time to time.

4.3. Purchases of Product or Services that are not motoring-related may be subject to a variable handling fee in addition to any price agreed with the Seller or the price prevailing at the time of the Card transaction.  Details of these variable handling fees are available from the Seller upon request but may be subject to change from time to time.

4.4. The price of Products and Services shall be as agreed with the Seller or otherwise as prescribed by the relevant Retailer.

4.5. All prices shall be subject to Tax.


5.1. The Seller shall invoice the Customer on a weekly basis unless otherwise agreed. Such invoices shall set out the purchases of Products and/or Services made since the previous invoice.  Invoices shall be sent by email unless otherwise agreed; the Seller may charge an additional administrative fee for invoices sent by post.

5.2. The Customer shall pay the invoice by Direct Debit within the timescale set out in the relevant invoice.  Where an invoice does not set out such a timescale, the Customer shall pay the invoice by Direct Debit with five Business Days of the date that the invoice was sent. If the payment date falls on a non-Business Day then payment will be made on the Business Day immediately prior to the payment date

5.3. The Customer shall ensure that at all times it shall:

5.3.1. maintain a bank account capable of accepting direct debits;

5.3.2. keep the Seller provided with a valid direct debit mandate; and

5.3.3. ensure that every invoice is paid on accordance with the applicable payment terms.

5.4. If the Customer fails to comply with Conditions 5.2 or 5.3 the Seller may charge the Customer an additional administration fee.  Details of the applicable administration fees are available from the Seller upon request but may be subject to change from time to time.

5.5. If the Customer fails to make payment due to the Seller by the due date, then the Seller reserves the right to:

5.5.1. claim interest and costs in accordance with the Late Payment of Commercial Debts (Interest) Act 1998; and/or

5.5.2. withdraw, suspend, restrict, limit or cancel any or all of the Cards (and cancel or suspend any other contracts the Seller has with the Customer).

5.6. The Customer may request copies of sales vouchers for Card transactions that are up to three months old.  The Seller shall not be obliged to provide copies of sales vouchers for Card transactions that are more than three months old.  The Seller may charge an administration fee for each copy sales voucher. .  Details of the applicable administration fees are available from the Seller upon request but may be subject to change from time to time.


6.1. The Seller reserves the right to withdraw, suspend, restrict, limit or cancel a Card at any time.

6.2. The Contract may be terminated by either Party giving at least thirty days’ prior written notice.

6.3. A Party (the “Terminating Party”) may terminate any Contract or Order with immediate effect by giving written notice to the other Party (the “Defaulting Party”) if:

6.3.1.     the Defaulting Party becomes Insolvent (or if the Seller reasonably believes that the Customer is likely to become Insolvent);

6.3.2.     the Customer suspends, ceases or threatens to suspend or cease to carry on all or a substantial part of its business; and/or

6.3.3.     the Customer suffers a Credit Event.

6.4. Where the Customer is a Defaulting Party all monies due under or in respect of the Contract shall become immediately due and payable by the Customer to the Seller.

6.5. Termination of the Contract, however arising, shall not affect any of the parties' rights, remedies, obligations and liabilities that have accrued as at termination.

6.6. Conditions which expressly or by implication survive termination of a Contract or Order shall continue in full force and effect.

6.7. Where the Contract is terminated the Customer’s and each Cardholder’s right to use the Card ceases immediately and the Customer shall cut the Cards in half and send the Cards to the Seller as soon as possible.

6.8. Where a Card is cancelled the Customer shall cut the corner off the Card and send it to the Seller as soon as possible.

Until the relevant Card is returned to the Seller, the Customer shall remain responsible for and liable for the use of a Card regardless as to whether that Card has been lost, stolen, cloned or cancelled and regardless as to whether the Contract has been terminated.


7.1. Nothing in these Conditions shall limit or exclude the Seller’s liability for:

7.1.1. death or personal injury;

7.1.2. fraud or fraudulent misrepresentation;

7.1.3. breach of the terms implied by section 12 of the Sale of Goods Act 1979;

7.1.4. defective products under the Consumer Protection Act 1987; or

7.1.5. any matter in respect of which it would be unlawful for the Seller to exclude or restrict liability.

7.2. Subject to Condition 7.1:

7.2.1. the Seller shall under no circumstances whatsoever be liable to the Customer for any loss of profit, wasted time or overheads, loss of goodwill, loss of contracts, loss of anticipated savings, increased cost of working or any indirect or consequential loss;

7.2.2. the Seller's total liability to the Customer whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed:

7.2.3. in respect of loss or damage to physical property, £100,000 in relation to any one event or connected series of events; and

7.2.4. in respect of all other losses, the price paid under the relevant Card transaction or £25,000 (whichever is the greater).

7.3. Notwithstanding any provision to the contrary, the Customer shall indemnify the Seller against all reasonable costs and expenses and/or losses sustained or incurred by the Seller (including any direct, indirect or consequential losses, loss of profit or reputation, damage to property, loss of opportunity, Taxes, professional and legal costs) which arise in connection with the Customer’s (including the Cardholders’, the Customer’s employees’, subcontractors’ or agents’) material breach of the Contract or negligence.


8.1. Intellectual Property in the following non-exhaustive list shall remain the property of the Seller and/or the Card Issuer and/ or their licensors (as applicable):

8.1.1.any computer software or data supplied by or used by the Seller or the Card Issuer or any of their affiliates in performing the Contract;

8.1.2.the content of any website or online services provided by the Seller or the Card Issue or any of their affiliates, including, but not limited to, all coding, text, images, links and web pages; and

8.1.3.any other material(s) provided by the Seller or the Card Issue or any of their affiliates under the Contract.

8.2. The Customer shall not, and shall procure that Cardholders shall not (or knowingly allow others to) modify, create derivative works from, transmit, distribute, reverse engineer, decipher, decompile, disassemble, or reduce to human readable form, any computer software supplied or used by the Seller or the Card Issue or any of their affiliates pursuant to this Agreement.

8.3. All Intellectual Property which results from or is otherwise created pursuant to or for the purposes of the performance of this Agreement shall immediately upon creation vest in and become the property of the Seller or the Card Issue or any of their (as appropriate). The Customer shall take all necessary steps to assign and shall procure that Cardholders shall assign, such Intellectual Property to the Seller or the Card Issue or any of their affiliates (as appropriate).


9.1. The Seller will use the financial and personal information that the Customer provides to:

9.1.1. provide the Cards;

9.1.2. process payments made in accordance with the Contract;

9.1.3. inform the Customer about similar products or services that the Seller provides.  The Customer may stop receiving these communications at any time by contacting the Seller.

9.2. The Seller may from time-to-time:

9.2.1. check on the Customer’s financial and/or personal information utilizing publicly available information such as the electoral role and public asset registers; and

9.2.2. supply the Customer’s financial and/or personal information to credit reference agencies (“CRAs”) who will provide the Seller with information about the Customer (including, but not limited to, financial history). This is done to assess creditworthiness and product and service suitability, check identity, manage the Customer’s account, trace and recover debts and prevent criminal activity. The Seller will also continue to exchange information about the Customer with CRAs on an ongoing basis, including information regarding settled accounts and any debts not fully repaid on time. CRAs will share this information with other organisations. The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at

9.3. More information on how the Seller collects and uses personal information and the Customer’s rights is available in the Seller’s Privacy Notice at: The Seller will not give personal data to any other third party except as described in this Condition 9 and/or as set out in the Seller’s Privacy Notice.  The Seller may transfer personal information outside the European Economic Area provided it is always covered by adequate data protection standards.


10.1. Neither Party shall be liable for any failure or delay in performing its obligations as a result of any Force Majeure Event.


11.1. The Customer may not assign or otherwise transfer any of its rights and obligations under the Contract to any third party without the prior written consent of the Seller, such consent not to be unreasonably withheld.

11.2. The Seller may at any time assign, transfer, mortgage, charge, subcontract or deal in any other manner with any of its rights or obligations under the Contract.


12.1. The Customer acknowledges and agrees that the Seller is entering in to each Contract in reliance on the Regulations that are in effect on the date of that Contract.

12.2. If at any time during a Contract any Regulations are changed or any new Regulations become or are due to become effective (whether by law, decree or regulation or by response to the insistence or request of any governmental or public authority or any person purporting to act therefor, and the material effect of such changed or new Regulations): (a) is not covered by any other provision of the Contract, and (b) has or will have a material adverse economic effect on the Seller, the Seller may at any time request in writing a renegotiation of the price(s) or other pertinent terms of the Contract.  If the parties do not agree upon new price(s) or terms satisfactory to both parties within 15 days after the date of the Seller's written request, the Seller shall have the right to terminate the Contract immediately at the end of such 15 day period without any liability to the Customer. Any Product delivered during such 15 day period shall be sold and purchased at the price(s) and on the terms applying under the Contract without any adjustment in respect of the new or changed Regulations.


13.1. Change of details. The Customer must promptly notify the Seller of any changes in the Customer’s name, address, bank details.

13.2. Notices. Any notice issued in accordance with these Conditions shall be in writing (including emails to the Seller at email or emails to the Customer at the email address(es) that is usually used to administer their Card account), and sent to the other party at its registered office or principal place of business or such other address as may at the relevant time have been duly notified to the party giving the notice. A notice shall be deemed to have been duly received at the time of delivery, if delivered personally or by courier, or 2 Business Days after posting for an address in the United Kingdom and 5 Business Days after posting for any other address.

13.3. Confidentiality.

13.3.1. Each party undertakes that it shall not at any time during the Contract, and for a period of two years after termination of the Contract, disclose to any person any confidential information concerning the other party or its affiliates, except as permitted by Condition 13.3.2.

13.3.2. Each party may disclose the other party's confidential information:

(a) to its employees, officers, representatives or advisers who need to know such information for the purposes of exercising the party's rights or carrying out its obligations under or in connection with the Contract or for the pursuit or defence of litigation. Each party shall ensure that its employees, officers, representatives or advisers to whom it discloses the other party's confidential information comply with this Condition 13.3; and

(b) as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

13.3.3. No party shall use any other party's confidential information for any purpose other than to exercise its rights and perform its obligations in connection with the Contract.

13.4. Severability. If any provision or part-provision of these Conditions or any Contract is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this Condition shall not affect the validity and enforceability of the rest of these Conditions or the Contract, as applicable.

13.5. Waiver. Any waiver of the Seller’s right or remedy under the Contract or law is only effective if given in writing and shall not be deemed a waiver of any subsequent breach or default.

13.6. Third party rights. A person who is not a party to the Contract between the Seller and the Customer shall not have any rights to enforce its terms.

13.7. Variation. Except as set out in these Conditions, no variation of the Contract, including the introduction of any additional terms and conditions, shall be effective unless it is in writing (which for the purposes of this Condition shall not include email) and signed by both parties.

13.8. Governing law. The Contract, including these Conditions, any Order and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), shall be governed by, and construed in accordance with the law of England and Wales and each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction.