Welcome to your store card provided by Ikano Bank Ab (publ)

Introduction

1. This document contains the conditions applicable to our Online Account Management Services provided for your store card.
   
   Our Online Account Management Services are services that enable you to access and operate additional functionality in relation to your store card provided by Ikano Bank AB (publ).
   
   You can access Online Account Management Services by logging on to our website at https://www.ikano.co.uk/manage-my-account/login.
2. These terms relate only to the services described in them. Separate terms apply to the underlying store card accounts.
3. Please read these terms carefully. If you want to refer to them in future, you can access them on our website.
4. In this agreement:
   1. “we”, “our” and “us” means Ikano Bank AB (publ), and
   2. “you” and “your” means our customer.

Online Account Management (OAM)

1. With Online Account Management Services, via our website you access information about your store card account and use other functionality that we make available from time to time.
2. We will provide or ask you to set security details for access to Online Account Management Services. This could include a password, security code, memorable information, or biometric data such as a fingerprint. We may change these requirements at any time.

Access to Online Account Management Services

1. We may make operational changes to the way that the services are accessed at any time. We will tell you about such changes by either placing a message on our website, via your mobile device, or by text, email or post.
2. You are responsible for maintaining your computer or mobile device, for ensuring that it is compatible with the particular service.
3. Occasionally, we may need to carry out maintenance that could limit the availability of the services.
4. We shall use reasonable endeavours to keep the services free from virus and corrupt files but cannot guarantee this. You should always ensure that you have appropriate anti-virus software installed on any computer or mobile devices that you use to access the services. We will not be liable for any loss or damage you suffer if your device is infected by a virus or corrupt file unless such loss or damage is the direct result of our negligence or deliberate default.

One Time Passcodes

1. To enable you to log into your account, use your store card, and access many aspects of the services, we may send you one-time passcodes that we will send to your mobile phone or by email. We will use the mobile phone number and email address that you used to apply for your store card to send these one-time passcodes. You will need to input this code to verify and complete certain transactions. We will only send you a passcode when you have taken action to access this service.
2. You must take all reasonable precautions to prevent anyone else from accessing the passcode and must never disclose it anyone, even if they claim to be our employees or agents or the police. We will never ask you to disclose a One Time Passcode.
3. You must tell us as soon as possible if you change your phone number or email address, or your phone is lost or stolen. You can change your contact details by logging into your account.

Security

1. You must take reasonable security measures to keep your account safe when using Online Account Services, including:
   1. not choosing security details which may be easy to guess; such as your date of birth;
   2. memorising security details or writing them down only in a way that cannot be understood by others (you should not store them in your computer or mobile device);
   3. only providing security details to us when asked through Online Account Management;
   4. only responding to an email if you are confident it came from us (we will address emails to you personally and quote the last 3 digits of your postcode to identify ourselves);
   5. only accessing our Online Account Management service via our website.;
   6. ensuring any information shown or stored on your device is kept secure, that the device is locked when you are not using it and that you log out when exiting the service; and
   7. protecting your device with up to date antivirus and firewall software.
2. Further details on keeping your account safe can be found on our website at www.ikano.co.uk/auxiliary-pages/security/fraud-awareness.
3. You must contact us immediately if you believe that someone else knows your security details or you think they have been misused.
4. If you don’t follow these procedures, we may withdraw or suspend your ability to access Online Account Management Services until we are satisfied that your account is secure.
5. We also reserve the right to withdraw or suspend your ability to access Online Account Management Services in the event you attempt unsuccessfully to log in multiple times to your account or if we believe that there is unauthorised access to the account.

Termination and suspension of services

1. This agreement does not have a fixed duration so will continue until either you or we end it.
2. We may terminate your use of any of the services at any time by giving you at least 2 months’ written notice (including email or text message). It is your responsibility to save any information you may want to access from the Online Account Management Service once your access is terminated (for example, agreements, transaction history, communications).
3. We may also terminate or suspend your use of the services if we terminate or suspend your use of your accounts in accordance with the account terms.

Changes to these terms and conditions

1. We can change these terms and conditions including introducing or changing charges, provided we give you at least two months’ written notice in advance of the change. If we want to make changes that are to your advantage, or in our opinion can be regarded as immaterial, such changes may be implemented immediately following written notice to you of such proposed changes.
2. We can give you notice on the log in page of Online Account Management, either via the website or, by post, email, text or by any other means we agree with you.
3. The new terms will apply automatically at the end of the notice period, but if you do not want to agree to the change, you can stop using the Online Account Management Services but will be unable to access any accounts that are an online only product. If you continue to use the Online Account Management Services after this, we’ll assume you’ve accepted the change.
4. We may also make changes to Online Account Management services from time to time that we ask you to agree to through the website, for example software updates or improvements in functionality.

Intellectual Property

1. You have no intellectual property rights in or to the Online Account Management other than the right to use the Online Account Management Services in accordance with these Terms. You are not entitled to grant any rights to any third parties in relation to the Online Account Management Services.
2. The Ikano Bank name and logo and all other intellectual property rights including trademarks, patents, service marks, copyright, database rights, moral rights, right in a design, know how whether or not registered or capable of registration and whether subsisting in the United Kingdom or other part of the world together with any goodwill in relation to the Online Account Management Services and the content of the Online Account Management Services belong to Us.
3. Any other intellectual property, including trademarks, service marks, graphics and logos used in connection with the Online Account Management Services which does not belong to Us is the intellectual property of their respective owners.
4. Any intellectual property belonging to Us or third parties may not be copied, imitated or used, in whole or in part, without the prior written permission of Us, or in relation to third party intellectual property, the relevant third party.

Privacy

1. Information about how we use your personal data is available on our website at www.ikano.co.uk/auxiliary-pages/legal/privacy-policy.

Complaints

1. If you wish to make a complaint about our products or services, details on how to complain can be found on our website at www.ikano.co.uk/help-and-advice/make-a-complaint

General

1. This agreement is personal to you and you cannot transfer your rights or obligations to anyone else. We may transfer our rights and obligation at any time.
2. If any term of this agreement is found to be unenforceable, this will not affect the validity of any others.
3. English law shall apply to these terms and conditions and the Courts of England and Wales shall have jurisdiction over any dispute or claim arising out of or in connection with this agreement.
4. All the information we give you and all communications from us will be in English. We will only accept communications and instructions from you in English.