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Terms
& Conditions

DONATE THE CHANGE FUNDRAISING SERVICE TERMS AND CONDITIONS

This document describes the service terms and conditions, the cardholder terms and conditions and our privacy policy.

Clicking here takes you to the cardholder terms and conditions.

Clicking here takes you to our privacy policy.

These terms and conditions describe the fundraising Service provided to You. When You register for the Service, You will be asked to accept these terms and conditions. Please read these terms and conditions carefully before registering for the Service. If there is anything You don’t understand, please contact Customer Services.

1. DEFINITIONS
Accessory: means the key-ring or wearable device provided to You by Us that contains a contactless payment chip issued to You under this Agreement. Your Accessory and e-Account together form a “prepaid account”, which is not a “credit, charge or debit account”.
Agreement: means these terms and conditions as varied by Us from time to time.
Anti-Money Laundering Regulations: means the regulations applying to e-Money accounts to prevent money laundering.
Available Balance: means the value of funds loaded onto your Accessory and available for use.
You: means the person entering into this Agreement with Us.
Contract: means the contract between You and Us for the use of the Accessory and Service.
Customer Services: means the contact centre for dealing with queries from You about your Accessory.
Donation: means a payment to charity triggered by the rules You set following completion of a Transaction.
DTC: means Donate the Change Limited whose principal offices are 62 London Road, Twyford, RG10 9EY, UK, or its wholly own subsidiary.
e-Account: means the electronic bank account associated with your Accessory.
e-Money: means the electronic money associated with your Accessory and e-Account.
Full Deductible Amount: means the full Transaction amount, including the Transaction itself along with any associated fees, charges and taxes.
Lost and Stolen Line: means the telephone number +44 (0) 845 218 0255 on which You can report your Accessory lost or stolen 24 hours a day every day of the week.
Mastercard: means Mastercard International Incorporated whose principal offices are 2000 Purchase Street, Purchase, New York, 10577 USA.
Mastercard Acceptance Mark: means the Mastercard logo usually displayed by the Merchant.
Merchant: means a retailer, or any other person, firm or corporation that accepts contactless payment chips which display the Mastercard Acceptance Mark and which has contactless payment facilities.
My Account: means the area on Our Website or Our mobile app that allows You to register for online access to your account and view details of your balance, Transaction history, and Donation history. My Account provides up-to-date information about your account and You will need an internet connection in order to access it.
Order: means when You order an Accessory on Our Website.
Order Dispatched Email: means the email confirmation from Us that We have dispatched your Accessory following Order.
Service: means the e-Money service offered to You by DTC, under license from Wirecard, which will allow You to make contactless payments using your Accessory.
Transaction: – means a retail sale completed by You using your Accessory.
Top-up: means to load funds to your e-Account from your registered debit or credit card. These funds are then available to purchase goods and services from retailers using your Accessory, and make donations to your chosen charity.
We, Us, or Our and Issuer: means “We”, “Us”, “Our”, or “Issuer” means Wirecard, Quantum, Mastercard, or DTC and Our affiliates.
Quantum: means Quantum Card Services Limited whose principal office is 7-8 Church Street, Wimborne, Dorset, BH21 1JH, UK.
Wirecard: means Wirecard Card Solutions Limited whose principal office is Grainger Chambers, 3-5 Hood Street, Newcastle Upon Tyne, NE1 6JQ, UK, who is authorised and regulated by the Financial Conduct Authority (registered number 156058) as a building society and an issuer of e-Money.
Website: means the website www.donatethechange.org.

2. THE SERVICE

2.1 Registration, ordering, activation, and use of the Accessory and Service is regulated by the terms set out in this Agreement and its Schedules.
2.2 The Service includes the use of an Accessory that lets You pay for goods and services by making contactless Transactions as more fully described in Schedule 1 of this Agreement.
2.3 Your Accessory needs to be funded with money from a UK registered Visa or Mastercard debit or credit card, such that contactless Transactions and Donations can be made successfully.
2.4 Your contactless Transactions automatically trigger Donations to Your nominated charity if the rules set by You allow it. You control how much is donated by setting Your Donation rules using the mobile app or Website.
2.5 You can see how much You have donated to Your nominated charity in the mobile app or Website.
2.6 Your nominated charity gets to update You on how your donations are helping to make a difference if you consent to receiving such messages.
2.7 You may be offered rewards from one of the network of retail partners in place from time to time.
2.8 The charities that are part of the Service have entered into a contractual arrangement with DTC that enables Donations to be collected from You on their behalf. Charities supported by the Service must be registered with the Charity Commission for England and Wales, or the Office of the Scottish Charity Regulator, or HMRC for charities in Northern Ireland.
2.9 Gift Aid lets You increase Your Donation to Your charity by 25p for every £1 given. As part of the Service registration process, You will be given the opportunity to complete a Gift Aid declaration. If a Gift Aid declaration has been made, DTC will provide Your nominated charity with the information required by HMRC to complete the Gift Aid collection process.

3. REWARDS
3.1 How to take part. As You engage with Us, DTC may offer You a reward to say thank You. It’s then up to You whether You want to redeem Your reward.
3.2 Redeeming rewards. You are entitled to redeem any reward You are offered. You may have to contact the reward provider to redeem the reward offered.
3.3 Timings. There are a few deadlines You should be aware of: You have 28 days from the day You are offered a reward to claim it. After this time, the reward expires. Occasionally there may be a different expiry on the reward You are offered. You will be shown the individual terms related to each reward before You claim Your reward.
3.4 General. Rewards are for Your personal use. You cannot swap Your reward for cash or any other kind of credit. DTC offers rewards from carefully selected third-party suppliers and those products or services may come with their own separate terms. DTC will try to give You the rewards You have chosen but, in some cases, they may be subject to availability. If we cannot get Your chosen reward to You, we will see if You would prefer another reward of equal value. Once You have redeemed Your reward You will not be able to change Your mind.
3.5 DTC will not share Your personal information with any third-party reward providers when offering You a reward.

4. YOUR PERSONAL INFORMATION
4.1 As You make use of Your Accessory or the Service, You agree that DTC can use Your personal information in accordance with the terms set out in this Agreement and its Schedules.
4.2 You can tell Us if You want to receive marketing materials about new DTC products and services when You register for the Service or at any point thereafter using Our Website or mobile app.
4.3 You can tell us if You want to receive marketing materials about other ways to help your Charity when you register for the Service or at any point thereafter using Our Website or mobile app.
4.4 You agree that We may communicate with You by email, Our mobile app, or other electronic communication methods for issuing any service information about Your Accessory or the Service.
4.5 You must notify Us immediately of any change of Your personal data by contacting Customer Services.

5. CUSTOMER SERVICES
5.1 If You’ve got a question related to Your Accessory or the Fundraising Service, You can contact Customer Services using the ‘contact Us’ form on Our Website or by email at: support@donatethechange.org

SCHEDULE 1

DONATE THE CHANGE PREPAID MASTERCARD® CONTACTLESS PAYMENT ACCESSORY CARDHOLDER AGREEMENT TERMS AND CONDITIONS

Please read this Agreement carefully before You activate your Donate The Change Prepaid Mastercard® Contactless Accessory, hereafter referred to as the Accessory. This information forms the terms and conditions of your Accessory. By using your Accessory, You accept these terms and conditions. If there is anything You don’t understand or agree with, please contact Customer Services using the contact details in clause 5 of this Agreement.

1. SCOPE OF THIS AGREEMENT

1.1 Your rights and obligations relating to the use of your Accessory and the Service are subject to this Agreement between You and Us;
1.2 This Accessory is issued by Wirecard, pursuant to license by Mastercard. This Accessory is an electronic money product. This Agreement is an e-Money Agreement.

2. ORDERING YOUR ACCESSORY

2.1 You can “Order” your Accessory on Our Website.
2.2 Our acceptance of your Order and confirmation of the Contract between You and Us for the use of the Accessory and Service will not take place until We send You an Order Dispatched Email confirming that We have dispatched your Accessory.
2.3 The price of an Accessory will be as quoted at the time You Order your Accessory and includes VAT if applicable at the current rate chargeable in the UK. If We change the price of an Accessory, this will not affect any Order You have already placed.
2.4 Current Accessory and Service prices are listed on Our Website.
2.5 When You Order your Accessory, You agree to provide accurate personal information and to tell Us of any changes as soon as possible so that Our records remain correct. You should update any changes to your personal information by visiting Our Website, mobile app or by contacting Customer Services.
2.6 You agree that We may communicate with You by email, Our mobile app, or other electronic communication methods for issuing any notices or information about your Accessory.

3. DELIVERING YOUR ACCESSORY

3.1 Your Order Dispatched Email accepting your Order will contain an estimated delivery date, which will be within 28 days from the date of your Order Dispatched Email.
3.2 Title in the Accessory shall pass to You once We have received any applicable payment in full, including any applicable charges.

4. ACTIVATING YOUR ACCESSORY

4.1 Once the Accessory has been delivered to You, it will need to be activated by You on Our Website or Our mobile app. Activation of your Accessory will enable You to use the Service.

5. USING YOUR ACCESSORY

5.1 We will supply your Accessory and the Service to You for personal use and You agree not to use the Accessory or Service for any commercial or business purposes.
5.2 You must not use the Service or Accessory in any way that causes, or is likely to cause, the Service or Accessory to be interrupted, damaged or impaired in any way.
5.3 You can only use your Accessory where the Merchant accepts contactless payment Transactions. The maximum value for an individual contactless Transaction in the UK is £30. There may be terms and conditions imposed on You by the Merchant or other organisation where you’re using your Accessory which We cannot control.
5.4 Your Accessory is a prepaid product, which means that the Accessory’s Available Balance will be reduced by the full amount of each Transaction, donation, and authorisation, plus any applicable charges. Your Full Deductible Amount must be less than or equal to the Available Balance on your Accessory. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Accessory, You must repay Us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from Us. Should You not repay this amount within 14 days of receiving an invoice from Us, We reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
5.5 You can check your balance by visiting the ‘My Account’ section on Our website or via Our mobile app. The Available Balance on your account will not earn any interest.
5.6 Your Accessory cannot be used as a form of identification.
5.7 We may ask You to surrender the Accessory at any time for a valid reason in accordance with the provisions in Schedule 1 clause 13 of this Agreement.
5.8 All Transactions will be debited from your e-Account immediately. You cannot stop a Transaction but the retailer may give You a refund.
5.9 As your donation is passed directly from your Accessory to your nominated charity, any donation made to your nominated charity using your Accessory cannot be cancelled or returned.
5.10 If there are insufficient funds to cover the donation then the donation is not taken at that point in time. The uncollected donation will be added to the next donation triggered by a Transaction.
5.11 The Service will not allow You to access any credit. You can only spend the amount of funds You have loaded onto your Accessory.
5.12 You will need to use a password to access your My Account online. You must memorise your password and keep it secret; You must never write your password down.
5.13 You should keep your Accessory safe, this means that You should not let anyone else use it or leave your accessory unattended so that someone else can use it.
5.14 You cannot use your Accessory to make cash withdrawals.
5.15 If a Transaction has not been made by You for a three month period, DTC reserves the right to cancel the Service.
5.16 The amount You donate using your Accessory is controlled by donation rules that You set on Our Website or Our mobile app. The following rules are available to choose from:
(a) Round up Transaction amount to the nearest pound e.g. the Transaction amount is £1.48, £0.52 pence is donated to charity;
(b) Add a percentage to each Transaction e.g. the Transaction amount is £25.00 and the user has selected to add a 5% donation, therefore £1.25 is donated to charity;
(c) Add a specific amount on each Transaction e.g. £0.20 pence each time;
(d) Set a cap on the total amount donated in any one month.
5.17 If You have any questions regarding your Accessory or Transactions please contact Customer Services.

6. LOADING MONEY ONTO YOUR DONATE THE CHANGE ACCESSORY

6.1 Once You have activated your Accessory You will be able to Top Up your e-Account at any time with funds from your registered debit or credit card. There is a minimum load of £20, a maximum load of £200, and maximum balance of £500, with up to 4 loads per day allowed. At this point in time, there is a maximum annual load of £1000. We will undertake an identity verification before You can load as per Schedule 1 clause 14.1. If We are unable to verify your identity You will have a maximum total load of £200.
6.2 We retain the right to de-activate the Accessory before the total annual load limit of £1,000 referred to in Schedule 1 clause 6.1 is reached if We are required to do so for legal or regulatory purposes.
6.3 You will be able to opt for an auto Top Up so that if your Accessory balance falls below an amount You have pre-set, it will automatically re-load with the amount that You have pre-set.
6.4 If You want to stop or amend an auto Top Up that You’ve set up using your card details, You’ll need to login to your account at Our Website or via Our mobile app.
6.5 You can pay funds into your e-Account at any time at Our Website or via Our mobile app using your registered debit or credit card.
6.6 You can request a full refund from your e-Account to your registered debit or credit card at any time by contacting Our Customer Services via Our Website or Our mobile app. There is a £5 fee for a balance refund if requested at your convenience. We will cancel your Accessory and refund the remaining balance to your registered debit or credit card. We may ask You to provide Us with documentation to verify your identity so that We may process your request.
6.7 Your Accessory can only be loaded with Great British Pounds.

7. CANCELLATION AND EXPIRY OF YOUR DONATE THE CHANGE ACCESSORY

7.1 The chip inside Your Accessory will expire 30th June 2018. In the event that Your Chip expires, and the Accessory allows for the Chip to be replaced, You may order a replacement Chip. DTC may decide to offer a replacement Chip to regular Donors free of charge.
7.2 On expiry of the Accessory You may request that any remaining funds be returned to your registered debit or credit card. If We cannot return the funds to your registered debit or credit card We will contact You to arrange an alternative method. There is no charge for this balance refund upon expiration of the Accessory. You have six (6) years after the expiry of this Agreement in which to request a refund after which the funds are lost.
7.3 You can cancel this Agreement at any point after You sign up for the Service via the ‘contact Us’ form on Our Website or via Our mobile app.
7.4 You will have to pay for any payments You have already made using the Service from the funds in your account before the balance will be returned to You.
7.5 Under normal circumstances, We may only terminate the Service by giving You at least two months’ notice. We may terminate the Service immediately in exceptional circumstances (including but not limited to those set out in Schedule 1 clause 12), which might include a legal obligation to end the Service or threatening or abusive behaviour towards Our staff.

8. YOUR LIABILITY AND AUTHORISATIONS

8.1 We may restrict or refuse to authorise any use of your Accessory in any legal jurisdiction if using the Accessory is causing or could cause a breach of this Agreement or if We have reasonable grounds for suspecting that either You or a third party has committed or is about to commit a crime or other abuse in connection with the Accessory.
8.2 Where appropriate, any refusal to authorise a Transaction will be relayed to You via the Merchant concerned.
8.3 If We need to investigate a Transaction on the Accessory, then You must co-operate with Us, the police or any other authorised body if this is required.
8.4 You should never allow another person to use your Accessory.
8.5 You agree to indemnify and hold harmless, Us and Our Affiliates from and against the costs of any legal action taken to enforce these terms and conditions and / or any breach of these terms and conditions or fraudulent use of your Accessory by or authorised by You.

9. UNAUTHORISED & INCORRECTLY EXECUTED PAYMENTS

9.1 We will refund any incorrectly executed Transaction immediately unless We have any reason to believe that the incident has been caused by a breach of this Agreement, gross negligence or We have reasonable grounds to suspect fraudulent activity. In respect of this Schedule 1 clause 9 and Schedule 1 clause 10 if the investigations show that any disputed Transaction was authorised by You, or You have acted fraudulently or with gross negligence, or in breach of these terms and conditions, You may be liable for any loss that We suffer.
9.2 You should check the Transactions on your e-Account regularly and carefully. Tell Us via the ‘contact Us’ form at Our Website or Our mobile app at any time if there is a Transaction You do not recognise or if You think We have sent a payment incorrectly. If You don’t tell Us within thirteen (13) months of the date of the payment, You may not be entitled to have any disputed Transactions corrected.
9.3 If You dispute that You’ve carried out a Transaction, We will expect You to co-operate with Us and the police in any investigations. We may give the police and Our insurers any information they consider relevant, to enable them to carry out investigations.

10. LOST, STOLEN OR DAMAGED DONATE THE CHANGE ACCESSORY

10.1 You should treat the e-Money on your Accessory like cash in a wallet. If You lose your Accessory or it’s stolen, You may lose any e-Money on it in just the same way as if You lost your wallet.
10.2 In the event of loss, theft, fraud or any other risk of an unauthorised use of your Accessory, or if your Accessory is damaged or malfunctions, You must contact the Customer Service team by calling Our 24 hour lost and stolen helpline on +44 (0) 845 218 0255 or report it via My Account or via Our mobile app so that We can cancel your Accessory. In the event that You notify Us in accordance with this Agreement that your Accessory has been lost or stolen, You will be liable for a maximum of a sterling equivalent of €50 of any loss that takes place prior to You contacting Us.
10.3 Provided that You have given notification in accordance with Schedule 1 clause 10.2, then You will not be liable for losses that take place following the date on which You gave such notification to Customer Services or the Lost and Stolen Line or Lost and Stolen form at Our Website or via Our mobile app. If there is an Available Balance remaining on your Accessory, it can be redeemed to You, unless We have any reason to believe that the notified incident has been caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or improper conduct.
10.4 In the event that We have reason to believe You have acted fraudulently or You have acted with gross negligence or intentionally in failing to notify Us of the lost or stolen Accessory then You shall be liable for all losses.
10.5 If You report your Accessory lost or stolen, your account will be blocked and We will attempt to replace it on a best endeavours basis. If We are unable to replace your Accessory the Contract will terminate in accordance with Schedule 1 clause 12.

11. FEES

11.1 The Fees for using your Accessory are set out below:
(a) Transactions in GBP £: Free;
(b) Donations in GBP £: Free;
(c) Top Up in GBP £: Top Ups using your registered debit card  or credit card are free.
11.2 Your Accessory can be used for Transactions outside of the UK. Should the Accessory be used for Transactions in a currency other than GBP £ a conversion charge of 2.75% may apply.
11.3 We will deduct any charges due from the Available Balance on your Accessory; if there is no Available Balance of funds on your Accessory, or charges exceed the balance of funds available, We shall send an invoice to You and will require You to refund Us within fourteen (14) days of the invoice. Should You not repay this amount within fourteen (14) days of receiving an invoice from Us We reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
11.4 Your donation is not treated as a charge. If there are insufficient funds to cover the donation then the donation is not taken. It does not impact on the Transaction authorisation.

12. TERMINATION OR SUSPENSION

12.1 We can terminate this Agreement at any time if You have breached this Agreement, or if We have reason to believe that You have used, or intend to use the Accessory in a grossly negligent manner or for fraudulent or other unlawful purposes or if We can no longer process your Transactions due to the actions of our third-party payment processing suppliers.
12.2 We can suspend your Accessory at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:
12.2.1 We discover any of the information that You provided to Us when You applied for your Accessory was incorrect.
12.2.2 A Transaction has been declined because of a lack of Available Balance.
12.3 You have breached this Agreement or We have reason to believe that You have used, or intend to use the Accessory 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.
12.4 In the event that We do suspend or cancel your Accessory, then if We are able to do so, We will tell You in advance, otherwise We will let You know immediately afterwards. We may advise anyone involved in the Transaction if a suspension has taken place.
12.5 In the event that any additional fees are found to have been incurred on your Accessory following termination by either You or Us, then subject to these Terms and Conditions, You shall refund to Us any sum which relates to a withdrawal on the Accessory or fees and / or charges validly applied, whether before or after termination. We’ll send an invoice to You and will require You to refund Us within fourteen (14) days. Should You not repay this amount within fourteen (14) days of receiving an invoice from Us, We reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

13. OUR LIABILITY

13.1 Our liability in connection with this Agreement shall be subject to the following exclusions and limitations:
13.1.1 We shall not be liable for any default resulting directly or indirectly from any cause beyond Our control, including the failure of data processing systems,
13.1.2 We shall not be liable for any loss of business, or any indirect, consequential, special or punitive losses.
13.1.3 Where the Accessory is faulty due to Our default, and for a period of six (6) months from Order, Our liability shall be limited to replacement of the Accessory, or refund of the price of the Accessory at Our discretion, and redemption of the Available Balance.
13.1.4 Where sums are incorrectly deducted from your Available Balance due to Our default, Our liability shall be limited to payment to You of an equivalent amount,
13.1.5 In the unlikely event that sums are deducted from your Available Balance, but You did not authorise such deduction in accordance with these Terms and Conditions, then Our liability shall be as set out in this Schedule 1 clause 13.
13.1.6 In all other circumstances of Our default, Our liability will be limited to redemption of the Available Balance.
13.2 Nothing in this Agreement shall exclude or limit Our liability for death or personal injury resulting from Our negligence or fraud.
13.3 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
13.4 The above exclusions and limitations set out in this Schedule 1 clause 13 shall apply to any liability of Our Affiliates and any of their respective affiliates (if any), to You, which may arise in connection with this Agreement.

14. YOUR INFORMATION

14.1 We are committed to maintaining your personal information in accordance with the requirements of the Data Protection Act and will take all appropriate steps to ensure that your personal information is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with these terms, your personal information will not be passed to anyone without your permission. To comply with Anti-Money Laundering Regulations, We may use an identity verification agency or credit reference agency, both prior to and following issue of your Accessory, who will add details to your record of Our request for a search. The name and address of the identity verification agency used will be provided to You upon request. We may require evidence of your identity to comply with such identity verification. Please note We only carry out an identity check and this will not leave a negative footprint on your credit file.
14.2 You agree that We can use your personal information in connection with You using the Accessory and Service, to contact You about replacement Accessories, and to enable Us to review, develop and improve Our products and services, which may also involve providing your personal information to Our Affiliates in order to deliver the Service. We may also disclose your personal data as required by law, regulation or any competent authority or agency including to authorities and agencies to investigate possible fraudulent, unlawful or unauthorised activity.
14.3 You must notify Us immediately of any changes to your personal information.
14.4 You can tell Us if You want to receive any marketing materials when You register for the Service or at any point thereafter using Our Website.
14.5 You have a right to receive an emailed electronic copy of the personal information that We hold about You. For further information, please contact Customer Services.
14.6 If We discover that the information We hold about You is incorrect, We may have to suspend or cancel your Accessory until We can establish the correct information, in order to protect Us both.

15. COMPLAINTS PROCEDURE

15.1 Complaints regarding any element of the service provided by Us should be sent by email to Customer Services.
15.2 All complaints will be subject to Our Complaints Procedure, which can be found on Our Website.
15.3 If We fail to resolve your complaint to your satisfaction You may refer your complaint to the Financial Ombudsman Service (Exchange Tower, London E14 9SR or phone +44 (0)300 123 9123 or +44 (0)800 023 4567). Details of the service offered by the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk.

16. GENERAL

16.1 Any delay or failure to exercise any right or remedy under this Agreement by Us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.
16.2 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.
16.3 You may not assign or transfer any of your rights and / or benefits under these terms and You shall be the sole party to the Contract between Us. You will remain liable until all Accessories issued to You are cancelled or have expired and all sums due under these terms have been paid by You in full. We may assign Our rights and benefits at any time without prior written notice to You. We may subcontract any of Our obligations under this Agreement.
16.4 No third party who is not a party to this Agreement has a right to enforce any of the provisions of these Terms and Conditions, save that Mastercard and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them.
16.5 This Agreement is governed by English law and You agree to the nonexclusive jurisdiction of the courts of England and Wales.
16.6 We may make changes to these terms at any time by giving You at least two months’ personal notification before the changes take effect. You have the right to de-register from the Service without charge at any time before the changes come into effect. If You don’t de-register from the Service You will be treated as having accepted the changes.
16.7 We will personally notify You of any changes by sending details about them by email. Invalidity or unenforceability of any provision of these terms does not affect the validity of the remaining provisions.
16.8 Nothing in these terms will reduce your statutory rights.
16.9 We may choose not to enforce or rely on one or more of these terms at any time, but We reserve the right to start applying them again at any time.
16.10 If You would like to request an email copy of the terms please contact Customer Service via the ‘contact Us’ form at Our Website.

MasterCard is a registered trademark of MasterCard International Inc. The payment accessory is issued by Wirecard Card Solutions Ltd (WDCS) pursuant to licence by MasterCard International. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).

SCHEDULE 2

PRIVACY POLICY

This privacy policy explains how DTC collects, uses, shares and protects Your personal information.

1.The personal information DTC collects about You
1.1 DTC collects the following information about You:
1.1.1 Your name, address, phone number, date of birth, email address, and choice of Accessory;
1.1.2 Your contact with Us: such as a note or recording of a call You make to one of Our contact centres, an email or letter You send to Us or other records of any contact You have with Us;
1.1.3 Your account information: such as dates of Transactions, Transaction amounts, Donation amounts, rewards redeemed, Your gift aid status, Your marketing preference status, or any other information related to Your account;
1.1.4 Your preferences for particular products, services or lifestyle activities when You tell Us what they are, and based on how You use the Accessory and Service;
1.1.5 Your usage and browsing history within Our mobile app and Website.

2. When DTC collects Your personal information
2.1 DTC collects Your personal information when You:
2.1.1 Register for the Service;
2.1.2 Order an Accessory from Us;
2.1.3 Use the Service;
2.1.4 Subscribe to newsletters or alerts from Us;
2.1.5 Ask Us for more information about an Accessory or the Service;
2.1.6 Contact Us with a question or a complaint;
2.1.7 Take part in a competition, prize draw or survey;
2.1.8 Redeem a reward;
2.1.9 Amend Your Donation rules;
2.1.10 Connect Your social media account to the Service;
2.1.11 Share any part of the Service on social media where the social media privacy rights in force allow this to occur;
2.1.12 Visit or browse the DTC Website or use the DTC mobile app.
2.2 DTC may also collect information about You from other organisations if this is necessary for compliance with legal and regulatory obligations.

3. Using Your personal information
3.1 We may use and analyse Your information to:
3.1.1 Provide the Accessory or Service to You;
3.1.2 Keep You updated with Your Accessory order progress;
3.1.3 Offer You rewards and treats based on how You use the Accessory and Service;
3.1.4 Process electronic money Transactions between Your Accessory and Merchants;
3.1.5 Process Donations from You to Your chosen charities based upon the Donation rules You have set;
3.1.6 Respond to any questions or concerns You may have about using Our Services;
3.1.7 Subject to You opting-in to receive marketing communications, occasionally keep You informed about new products and services from DTC;
3.1.8 Understand how You use Our products and services. That way, We can develop more interesting and relevant products and services, as well as personalising the products and services We offer You;
3.1.9 Carry out research and statistical analysis on an anonymous and aggregated basis including monitoring of how You use Our Service;
3.1.10 Provide anonymous aggregated trend analysis data-points to third parties (such reports do not contain any information which may identify You as an individual. An example data-point would be ‘460,000 individual donors give using the Donate The Change Service’);
3.1.11 Prevent and detect fraud or other crimes, recover debts or trace those who owe Us money.
3.2 We’ll store Your information for as long as We have to by law in order to provide you with the Services you have requested. We’ll also keep some personal information for a reasonable period after Our Agreement has finished in case You decide to use Our services again. We may contact You during this time if You have opted-into receiving marketing communications from Us.
3.3 You can choose to receive Our marketing messages and communications at any time by opting into receiving them via Our mobile app or by contacting Customer Services through the “Contact Us” page on Our Website.

4. Sharing Your personal information
4.1 DTC will only share Your personal information with:
4.1.1 The charities that You choose to support; where we will share Your name, address, phone number, date of birth, email address, Your Donation amounts, gift aid status, and marketing preference status;
4.1.2 Our banking and payment processing partners;
4.1.3 Fraud prevention agencies;
4.1.4 Law enforcement agencies, regulatory organisations, courts or other public authorities if We have to, or are authorised to by law.
4.2 We’ll release information if it’s reasonable for protecting Us against fraud, or defending Our rights or property.
4.3 If We are reorganised or sold to another organisation, We may transfer any personal information We hold about You to that organisation.

5. Keeping Your personal information secure
5.1 We constantly review and improve measures to protect Your personal information from unauthorised access, accidental loss, disclosure or destruction.
5.2 Where DTC has a contract with another organisation to provide services to process Your personal information, DTC will make sure they have appropriate security measures and only process Your information in the way DTC has authorised them to. These organisations won’t be entitled to use Your personal information for their own purposes. DTC security teams will check them to make sure they meet the security requirements DTC has set.
5.3 Communications over the internet aren’t secure unless they’ve been encrypted. We can’t accept responsibility for any unauthorised access or loss of personal information that’s beyond Our control.

6. Understanding what You want
6.1 We use cookies and other techniques that tell Us how You use Our Website, mobile app and Our Service. This information helps Us make Our rewards and treats, Website and mobile app more relevant to Your interests and needs.
6.2 Our Service may contain links to enable You to visit other websites and apps of interest easily. We review all the other websites and apps before providing a link, however, these linked websites and apps are not under Our control and once You have used these links to leave Our Website or app, You should note that We do not have any control over that other website or app. Therefore, We cannot be responsible for the protection and privacy of any information which You provide whilst visiting such websites and such websites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website or app in question. We advise You to examine the terms and conditions of using that website or app and its privacy statement. We do not make any representations about third party web sites or apps that may be linked to Our Website or app.

7. How to access and control Your personal information
7.1 You can write to Us at any time to get a copy of the personal information We hold about You. You can do this by filling in the form available in the “Contact Us” pages of our Website.
7.2 If You believe We’re holding inaccurate information about You, please contact Our Customer Service team through the “Contact Us” page on Our Website so We can correct it.
7.3 You can choose to receive Our marketing messages and communications at any time by opting into receiving them via Our mobile app or by contacting Our Customer Service team through the “Contact Us” page on Our Website.