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Terms & Conditions


Online Account Manager Terms and Conditions

By registering for Online Account Manager you have agreed to the terms and conditions set out below. They are in addition to the terms and conditions that you agreed to when you opened your Account and which remain in full force and effect. Please read them carefully.

Definitions

"Account" means any account opened by us in your name that records the amounts that you owe us. 
"Card" means the Store or Credit Card issued by us, which allows you to make payments. 
"Identity Information" means the information about you which you must give us when registering for Online Account Manager. 
"Notices" means notices that we are required to send you under the Consumer Credit Act 1974, including (but not by way of limitation) Notices of Sums in Arrears, Notices of Default Sums and Notices of Default. 
"Online Account Manager" means the facility to allow you to access your account online, view your statements and Notices, change your personal details, make payments and any other activities that we notify to you. 
"Password" means the combination of characters that you have chosen to allow you to use the Online Account Manager. 
"Passcode" means the six digit number that you have chosen. 
"Security Information" mean your Username, Password, and Passcode. 
"User Name" means the name you have chosen which will identify you individually and allow you to use the Online Account Manager. 
"We", "us" and "ours" are references to NewDay Limited. 
"you", "your" and "yours" are references to the person who holds an account with us. 

1. Registering for the Online Account Manager

1.1. To register to use Online Account Manager you must provide us with Identity Information before you can use the service. You must also set up a Username, Password and Passcode. You must let us have this Security Information each time you use Online Account Manager. 
1.4 We will not register you for the Online Account Manager if the email address you have supplied is incorrect, invalid, or cannot be registered or validated through our systems. If we detect that the email address you have provided is or becomes invalid, or if the emails that are sent to your address are returned, or we believe they are not received by you, we will terminate your ability to use Online Account Manager and you may need to re-register. 
1.5 When you use Online Account Manager you must follow any instructions we give you from time to time.

2. eStatements and other notices

2.1 If you have opted to receive statements and other notices through Online Account Manager we will not send paper versions of any of these documents. 
2.2 You can opt in or out of receiving eStatements and other Notices through Online Account Manager and change your preferences under the ‘Account settings’ section or by calling the Customer Service telephone number which can be found on the contact us page. 
2.3 If you have opted to receive statements and Notices through Online Account Manager, we will send you a notification each month to the email address you have provided to us, to advise you that your Card Account statement and Notices (if any) are ready to view in Online Account Manager. 
2.4 We will not be responsible if the email notification is not received by you because your email address has changed, and you have not told us, or it has become invalid or due to systems failure, interruptions in communications systems or other reasons outside our control. 
2.5 If you do not receive the email notification within 15 days of the day on which payment is due, you should enter the Online Account Manager or call us on the Customer Service telephone number printed on the reverse of your Card. Even if you have not received our email notification or you have not been able to access your statement online you are still obliged to pay at least the minimum repayment on your Account and on time. Your Card agreement terms and conditions remain in full force and effect.

3. Availability of the Online Account Manager

3.1 We cannot guarantee that the Online Account Manager will be available at all times and we may terminate, withdraw or suspend the use of the Online Account Manager at any time. If we do this, we will have no liability whatsoever for any loss, damage or inconvenience caused by your inability to use the Online Account Manager during this downtime. 
3.2 We may stop you (or someone else) using Online Account Manager if we think that the wrong Security Information has been provided, the site is being used illegally, you are not keeping to these terms and conditions or those of your account, or there has been a security breach or for any other good reason.

4. Security

4.1 When you first use the Online Account Manager, you must set up an online Password, Passcode and, a User Name, and provide us with certain Identity Information. 
You must never : 
write down your Password, Passcode or Username you have given us unless you do this in a way that would make it impossible for anyone else to recognise it; 
tell anyone your Password or Security information, Allow anyone else to access the Online Account Manager; 
You must : 
keep your Password and Security Information secret; 
make sure that your Password or Security Information are not kept (by a browser or any other software) so that they could be found and used by someone else; 
tell us if you think that someone else knows or may have access to your Password or Security Information or if you have forgotten your Password or Security Information; 
4.2 We are not responsible for any misuse of the Online Account Manager by you or anyone else nor for any disclosure of confidential information by us where you have failed to take reasonable precautions to protect your Password and Security Information or to let us know of any changes or where you have otherwise acted fraudulently or with gross negligence. 
4.3 We may give the police or any other relevant authority any information they need if we think it will help them in any investigation of suspected fraud or misuse by anyone or your Account or Security Information. 
4.4 You must always sign out of Online Account Manager when you are finished and never leave your computer unattended when you are visiting the site.

5. Our Responsibility and Your Responsibility

5.1 If you are a victim of fraud through our Online Account Manager we guarantee we will reimburse you for the amount of any direct loss. 
5.2 We will not be liable for any loss of transmitted information, or for viruses or other contaminating properties, which may be transmitted. You have sole responsibility for ensuring the adequate protection of your system, for the back up of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. 
5.3 You are responsible for obtaining and maintaining your own compatible computer system, software and communications lines required by you properly to access the Service. We have no responsibility or liability in respect of your equipment. 
5.4 You are responsible for all telecommunications and similar charges incurred by you in gaining access to and using the Online Account Manager. 
5.5 We will do all that we reasonably can to prevent unauthorised access to the Online Account Manager and to keep the facility secure, provided that you have complied with Condition 4. 
5.6 If we do not carry out your instructions or do so late or incorrectly we will be liable for any resulting loss up to the amount of the loss and the amount of any interest you had to pay as a result of our delay, failure or error. We will not be liable for any indirect losses or losses we could not have reasonably expected to occur.

6. Changes

6.1 We may alter the facilities available through the Online Account Manager from time to time and can make other changes to these terms and conditions, including introducing new terms and charges or terminating the Online Account Manager. If we do this, we will give you at least 30 days’ advance notice if the change is disadvantageous to you. Otherwise we will give you at least seven days’ advance notice. We will usually provide such information either by email, telephone or letter. Provided that you have paid all the amounts that you owe us, you have the right to close your account at any time up to 60 days from the date of the notice, so that the disadvantageous change does not apply to you. 
6.2 You must tell us if your name, address, telephone, including mobile, email or other details change.