IMPORTANT – PLEASE READ CAREFULLY BEFORE USING THIS WEBSITE

The Terms and Conditions of use set out below apply to the website owned, operated and controlled by Change Account Limited (“Change Account Limited”), located on the World Wide Web at www.thechangeaccount.com (the “Website”). “We”, “Us”, “Our”, refers to Change Account Limited on www.thechangeaccount.com.

The Website is intended for use by residents of the United Kingdom only. By using the Website, users are deemed to have full knowledge of the following Terms and Conditions and to accept them.

Change Account Limited may, at any time change, modify, add to or remove part or all of these terms and conditions. Users should therefore check these terms and conditions periodically to see if they have changed. Continued use of this Website following any change in the terms and conditions will be deemed to constitute the users’ acceptance of those changes.

Change Account Limited makes every effort to ensure that the information and data contained on the Website is correct. Change Account Limited, however, accepts no liability and does not guarantee that the information and data provided is up to date, correct and complete. This also applies for all other websites referred to by means of a hyperlink from time to time. Change Account Limited is not responsible for the contents of such websites reached by means of such a link and reserves the right to modify or supplement the information or data provided without prior notice.

All materials accessible on this Website are protected by copyright. Users may view Website pages on screen and may print or download extracts for personal use or for use by others within their organisations.

Users may supply a copy of any such extract to any third party provided that:

  • the extract is for their own personal use;
  • the extract is not supplied as part of or incorporated in another work, website or publication;
  • the extract is not supplied either directly or indirectly in return for commercial gain; and
  • the third party is made aware that the source of the copy is this website and that these terms and conditions apply equally to them.

No part of this Website may be reproduced, transmitted to, or stored on any other website or in any other form of electronic medium without Change Account Limited’s express written consent.

Change Account Limited will use its reasonable endeavours to provide users with a prompt and continuing service. Change Account Limited does not, however, warrant that the service it provides will continue uninterrupted or without delay or that it will remain unchanged. In particular, Change Account Limited reserves the right to bring the Website down as and when necessary for the purposes of maintenance.

Whilst Change Account Limited will use its reasonable endeavours to ensure that the information contained in the Website is correct and reliable, no warranty, either express or implied, is given as to the accuracy or completeness of that information.

The Website is intended to provide users with general information relating to Change Account Limited, its various products and services and other financial information which may be of relevance or interest to users. The Website is not intended to provide exhaustive details in respect of any of the issues or matters referred to on it.

Prior to making any decision or taking any action which may potentially affect users’ personal finances or business, users are urged to take independent advice from suitably qualified advisors.

The Website may from time to time contain hypertext links to a number of websites owned, operated and controlled by third parties. Change Account Limited has no control over or proprietary interest in any of these websites and, as such, makes no warranties with regard to the quality, security, accuracy or any other aspect of such sites, and excludes any and all liability arising from use of the same.

The protection of users’ personal data takes top priority for Change Account Limited and Change Account Limited does not collect any personal data through its Website without users’ consent. Users alone decide whether to provide Change Account Limited with such data or not.

Where users of the Website are able to communicate to Change Account Limited personal information via the Website, Change Account Limited shall, at all times, process and utilise such personal information provided in accordance with the Data Protection Act 1998. Only authorised employees, under appropriate confidentiality obligations will have access to users’ personal information. If users who have provided Change Account Limited with personal information would like to alter their details or check their accuracy please email us at: Customer.Services@thechangeaccount.com.

Upon access to the Website, information is occasionally collected automatically (ie, not through a registration), whereby this information cannot be assigned to a specific person (eg, Internet browser and operating system used; domain name of the website from where users arrived; number of visits, average dwell time, pages called up). Change Account Limited uses this information to determine the attractivity of the Website and improve its content.

When users visit the Website, information may be saved on users’ computers as a “cookie” which is then automatically recognised on the next visit to the Website. Users who do not want Change Account Limited to recognise their computers should set their Internet Browsers so that they delete cookies from the computer hard disk, block all cookies or warn users before saving a cookie. See our full Privacy and Cookies Policy.

Whilst every effort is made to ensure that any enquiries submitted are dealt with promptly, Change Account Limited cannot guarantee that queries will always be dealt with within the timescale users may require.

Change Account Limited cannot always guarantee complete confidentiality and would therefore recommend that users do not transmit or include sensitive information, which could be classed as a trade secret, via the Internet.

Change Account Limited shall not be liable for any third party claims or losses of any nature, including, but not limited to, loss of profits, indirect or consequential loss or loss due to circumstances beyond its reasonable control.

Change Account Limited does not accept any liability for any acts or omissions resulting from users’ decisions or opinions formed on the basis of use of the Website.

These Terms and Conditions are governed by and shall be construed in accordance with English law. Disputes in connection with the Website shall be subject to the jurisdiction of English Courts.

You must not misuse the Website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it.

Change Account Limited reserves the right to terminate a user’s Change Account and user’s access at anytime if Change Account Limited believes that the user is abusing the Website Terms and Conditions.

We hope that users will find our Website informative and easy to use. We should be grateful to receive any comments or queries that users have concerning the Website, or any suggestions as to how it could be improved. Please e-mail us at Customer.Services@thechangeaccount.com.

This site has been designed to work with the latest versions of the most popular browsers, such as Internet Explorer, Google Chrome, Mozilla Firefox and Apple Safari.

We recommend viewing this site with a screen resolution of 1024×768 or above. To change the screen resolution depends on the operating system you use. Please consult your operating system manual for instructions.

“Plug-ins” are additional software programs required by some websites to make them work properly. An example is Flash Player from Adobe. Our website doesn’t need any plug-ins to work effectively, however you may need a PDF reader such as Adobe Acrobat Reader to download certain documents.

Most organisations have what is known as “firewalls” to protect their networks and their computers. A firewall is a secure server through which all communication passes and which protects the organisation’s computers from unauthorised access by filtering the information getting in and out. Depending on how the firewall is set up, access to another secure server may be denied. If you are having problems accessing your account from work but can access it from home with no difficulties, check with your IT department to see if a firewall is in place that may be affecting access to our site and how this has been set up.

The Change Account Prepaid Debit Mastercard® is issued by R. Raphael & Sons plc, a UK Bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Ave, London W1D 7ED, company registration number 01288938.