The More Rewards Programme Terms & Conditions

Effective date:

1.     Introduction

1.1.  In these Terms & Conditions the words “We,” “Us” and “Our” mean More-Rewards Ltd as the administrator of the More-Rewards Points Programme (Programme), and any successors or assigns. The words “You” and “Your” means the cardholder, being the person who has been invited to hold a Card and be responsible for complying with these Terms & Conditions.

1.2.  These Terms & Conditions and all documents referred to within them constitute the Agreement between Us and You. To participate in the More-Rewards Programme, You must adhere to these Terms & Conditions. If You have any questions or need help understanding these Terms & Conditions, please contact contact@more-rewards.co.uk. 

1.3.  These Terms & Conditions are applicable across the entire More-Rewards Programme and You agree to accept these Terms and Conditions by (i) expressly providing Your consent electronically or in writing (ii) using the Card, or (iii) participation of the Programme. Additional terms & conditions may be in place for optional elements of the Programme.

1.4.  More-Rewards Limited is a company registered under the laws of England & Wales with number 15302016 which has it registered office is 63, Bermondsey Street, London, SE1 3XF, United Kingdom.

Website: www.more-rewards.co.uk

2.     Definitions

Account
The electronic money account in Your name and associated with Your Card which can be accessed on the More-Rewards app.

Available Balance
The unused cash balance on Your Card that is available for You to use.

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

Card
The More-Reward prepaid Mastercard that is issued to You.

Client
A business or organisation that is a member of the Programme.

Customer Services
Our customer services department who can be contacted at contact@more-rewards.co.uk

EEA
The European Economic Area.

Foreign Currency Transaction
As defined in paragraph 9.1.

KYC Checks
Know Your customers checks, where We may request for relevant information/documents from You to verify Your Personal Details and/or carry out electronic verification either directly or using relevant third parties as applicable.

Merchant
A retailer or any person who accepts Your Card for payment.

Personal Details
As defined in paragraph 4.1.

PIN
The personal identification number, being the security number associated with Your Card.

Points
More-Rewards points, being the loyalty points that We provide under the Programme.

Programme
The More-Rewards Points Programme administered by More-Rewards Limited.

Transaction
The use of Your Card to make a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of Your Card.

3.     Eligibility

3.1.   To apply for an Account, use a Card and participate in the Programme, You must be invited by Us or by Our Client, be a resident of the UK and over the age of 18.

3.2.  You will only be entitled to one (1) Account and one (1) Card per Programme.

3.3.  Regardless of the type and number of Cards You have, You will have only one Account where Your Available Balance is located. If We discover that You do have more than one Account, We may block Your Card and terminate Your Account.

3.4.  When You receive Your Card, You must activate Your Card. You may activate Your Card by following the instructions sent to You with Your card.

3.5.  Provided We have been able to undertake KYC Checks, You shall receive an activation confirmation in Your Account, and You will be able to use the Card.

3.6.  You must provide Us with Your Personal Details and keep Us informed of any changes. We cannot be held responsible for any loss of Points as a result of out-of-date details. Newly invited Cardholders that have not activated their accounts within two years of being invited will be removed.

3.7.  We may decline to open an Account, issue You with a Card, withdraw or remove You from the Programme at any time where there is reasonable belief of:

3.7.1.  any abuse or attempted abuse by You of the Programme;

3.7.2.  any breach or attempted breach by You of this Agreement and / or those relating to the optional elements of the Programme;

3.7.3.  any behaviour by You relating to the Programme or Us that involves theft, misconduct, abusive or offensive behaviour; or

3.7.4.  You supplying to Us false or misleading information.

4.     Your Account

4.1.   Your Account will be set-up in Your legal name, with Your date of birth, at Your home address and associated to a confirmed email address (together, Your “Personal Details”) that will be used for all correspondence. We will need to carry out KYC Checks to verify Your Personal Details.

4.2.  You must notify Us of any change in Your personal details as soon as possible by contacting Customer Services or updating the details in Your Account. You will be liable for any loss that directly results from any failure to notify Us of a change in Your personal details as a result of undue delay, Your gross negligence or fraud. We will need to verify Your new personal details and may request relevant information/documents from You to verify the change of details and/or carry out electronic verification either directly or using relevant third parties as applicable.

4.3.  We reserve the right at any time to access Your personal details (for example, by requesting relevant original documents) including for the purposes of preventing fraud and/or money laundering. In addition, at the time of Your application or at any time in the future, in connection with Your Account, You authorize Us to undertake electronic identity verification checks on You either directly or using relevant third parties.

4.4.   Your Account will record Your Points balance and transactions and Available Balance. You can get details of Your Account by logging into the More-Rewards app. 

5.     Managing Your Account

5.1.  You will need a PIN in order to make payments with a Merchant with Your Card. You will be provided a PIN once You have activated Your Card with Your personal information.

5.2.  If You forget Your PIN, You may retrieve the PIN from contacting Customer Services.

5.3.  You must not give Your Card to any other person or allow any other person to use it.

5.4.  You are responsible for Your Account, Card, PIN and any related security details and must take all possible measures to keep them safe and entirely confidential.

5.5.  If You lose or accidentally reveal Your Account and/or password details, lose Your Card or suspect fraud, You must contact Us immediately. Please make sure that We always have Your correct address to reduce security risks as far as possible. Failure to comply with this condition may affect Your ability to claim any losses in the event that We can show that You have intentionally failed to keep the information safe or You have acted fraudulently, with undue delay or with gross negligence. In all other circumstances, Your maximum liability shall be as set out below.

5.6.  If You believe that someone else knows Your Account login details, PIN or Card security details, You must notify Us by contacting Customer Services immediately.

5.7.  In the event that We suspect or believe that Your Card may be subject to any fraud or security threats, We will notify You securely via phone.

5.8.  Once Your Card has expired or if it is found after You have reported it as lost or stolen You must destroy it by cutting it in two through the magnetic strip.

5.9.  We will only make changes to Your Account at Your request through Customer services, from Your registered email address or through the More-Rewards app. We reserve the right to contact You for security checks prior to implementing any changes.

6.     Points

6.1.  You can only redeem Points for cash at a rate of 1 point = £1.

6.2.  Points are non-transferable and shall expire on the closing of Your Account or upon Your death.

6.3.  All redemption of Points will be conducted in British Pound Sterling (GBP). Conversion to other currencies will occur using Our foreign exchange rates at the time of the conversion.

6.4.  Our Client will be responsible for any refunds for products or services that you have purchased using programme points. Once points have been allocated, spent and processed, We are unable to reverse the allocation of Points to an Account.

6.5.  You cannot exchange Points outside the Programme for cash or anything else. If You do so, We reserve the right to terminate some or all of the Points associated with You and Your Account.

6.6.  From time to time, We may offer special promotional Points redemption rates subject the terms & Conditions applicable with that promotion.

6.7.  We and/or one or more Clients may award You with Points. Where Points are awarded to You, We will adjust the Points balance in Your Account in line with any Points award. When a Client instructs Us to add Points to Your Account, or when You earn Points We will reflect this in Your Points balance. If the information the Client gives Us is not accurate, We may have to refer You to the Client. We take no responsibility for incorrect information provided to Us by Clients.

6.8.  A Client may apply further terms & conditions on the awarding of Points. Subject to paragraph 12.9 below, once a Client has awarded Points to Your Account, the Client is unable to remove them without Your explicit permission.

6.9.  Points applied to Your Account may be removed or cancelled if We or the Client awarding the Points determine that the Points were collected in breach of these Terms & Conditions or were awarded in error.

6.10.  If You have not collected Points or redeemed Points credited to Your Account for twenty-four (24) consecutive calendar months, all Points accrued to date will automatically elapse on the 1st of the following month without further notice.

6.11.  We are under no obligation to apply Points to Your Account for any reason outside these Terms & Conditions.

7.     Liability

7.1.  We will only be liable to You for Our own negligence or if We do not keep to Our responsibilities. Our total liability in all cases (other than for death or personal injury) will be limited to twice the value of Your Points and will not include any loss of profit, business-related losses or indirect losses.

7.2.  We are not liable for the acts and failures of any of Our suppliers or any Client.

7.3.  We are not liable for any failures due to unusual and unexpected circumstances beyond Our control, the consequences of which could not have been avoided even if We had taken all reasonable care (for example, industrial disputes, hostilities, political unrest or natural disasters).

8.     Closing Your account

8.1.  You can cease being a cardholder at any time by contacting Customer Services from the email address registered with the Account or through the More-Rewards app. On cessation, Your Accounts will be terminated and any Points remaining on the Account will be forfeited.

8.2.  We may terminate Your Account and/or cancel or suspend any Points if.

9.     Account Termination

9.1.  We may cancel Your Card and terminate Your Account at any time by giving You two months’ written notice to Your home address or registered email address.

9.2.  We may cancel Your Card and terminate Your Account with immediate effect if:

9.2.1.  We discover any of the information that You provided to Us when You applied for the Card was incorrect or false; or

9.2.2.  You fail to provide the personal details necessary for Us to comply with Our legal obligations as an e-money issuer and under these Terms & Conditions; or

9.2.3.  You have breached this Agreement or We have reason to believe that You have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if We cannot process Your Transactions due to the actions of third parties; or

9.2.4.  We reasonably believe that You have acted in a way that harms the Programme or Our Client.

10.  Complaints

10.1.  Should You wish to make a complaint about Your Card and/or Account, You may contact Customer Services and submit details of any such complaint.

10.2.  Upon Our receipt of Your complaint, We shall endeavour to respond to You as quickly as possible but in any event We shall reply to You by email and (where applicable) by phone call within twenty-one (21) days.

10.3.  In the unlikely event that We are unable to resolve Your issue to Your satisfaction You have the right to refer Your complaint to the Financial Conduct Authority.

11.  Personal data

11.1.  We will manage and protect Your Personal Detail and other personal data You provide to US in accordance with all applicable data protection laws. For full and comprehensive information about when and why We collect personal information about You, how We use it and the conditions under which We may disclose it, please refer to Our Privacy Policy which can be found here.

12.  Changes to these Terms & Conditions

12.1.  If You do not agree with the changes to these Terms & Conditions, You may at any time within the two (2) months’ notice period terminate Your Account and can redeem any unused Available Balance at that time without incurring a Fee. You will be deemed to have accepted any change to these Terms & Conditions unless You notify Us before the proposed date of the change.

12.2.  If any part of these Terms & Conditions is inconsistent with any regulatory requirements, then We will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If We need to make operational changes before We can fully comply with the new regulatory requirement, We will make those changes as soon as reasonably practical.

12.3.  We reserve the right to change these, at any time, on reasonable notice for legal, regulatory, business or policy reasons. If You continue to participate in the Programme following such a change, You will be considered to have accepted the updated Terms & Conditions.

12.4.  We have the right to change the Programme and Fees that We provide. Where possible We will try to give You reasonable notice but this could depend on the nature of the change and the notice that We may receive from Our suppliers or partners.

12.5.  These Terms & Conditions- We reserve the right to change these, at any time, on reasonable notice for legal, regulatory, business or policy reasons. Cardholders who continue to participate in the Programme following such a change will be considered to have accepted the updated Terms & Conditions.

12.6.  We can change the Programme We provide. Where possible We will try to give You reasonable notice but this could depend on the nature of the change and the notice that We may receive from Our suppliers or partners.

12.7.  We and Our Clients are not liable for any personal tax liability or other liability that may arise from You taking part in the Programme.