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82 If your complaint addressed to any of the above parties cannot be settled, You may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the above parties cannot meet their obligations. For the purposes of the Data Protection Act 1998, the Data Controller in relation to the personal data you supply is LSG. How we handle your personal information We are committed to preserving the privacy of our customers. Please read the following privacy policy to understand how we will use and protect the information that You provide to us. By opening Your Ultimate Reward Current account, You consent to the collection and use of Your information under the terms of this privacy policy. The information You provide will be used by us to supply You with the services for which You have agreed to and we may use the information to contact You to obtain your views on our services, to let You know about important changes to the services which we offer and for statistical analysis. The information You provide to us about You and the mobile phone may be shared with Bank of Scotland Plc, and the insurer. We may contact You by post, telephone, SMS text, fax, or email. You will only be contacted by the methods You have asked to be contacted by. Your information will not be used or disclosed other than in accordance with this privacy policy, or without your permission, unless required by law. If You would prefer us not to contact You to obtain Your views and/or You change Your mind in the future and would like us to stop contacting You for this purpose, please write to: Customer Services STAMS Limited PO Box 98 Blyth NE24 9DL We may co-operate with the Police and any other relevant authorities or organisations in connection with any misuse or suspected misuse of the services provided by us or any member of our group of companies. If necessary, we may divulge information about You for this purpose. You have a right to ask for a copy of the data held about You and You may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If You wish to do this, please contact us on 08541 24 14 00. We are entitled by law to charge You a fee of £10.00 to meet our costs in providing You with details of the information we hold about You. We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage. We will retain Your information for a reasonable period or as long as the law requires. Any changes to our privacy policy will be notified to You in the appropriate way. All comments, queries and requests relating to our use of Your information are welcomed and should be addressed as specified above. Contact details The policy arranger and administrator STAMS Ltd Registered Office: Osprey House, Ore Close, Lymedale Business Park, NEWCASTLE UNDER LYME, Staffordshire ST5 9QD. Registered in England number: 04783263. The claims agent Lifestyle Services Group Limited Registered Office: Osprey House, Ore Close, Lymedale Business Park, NEWCASTLE UNDER LYME, Staffordshire ST5 9QD. Registered in England number: 5114385. The Insurer London General Insurance Company Limited Registered office: Integra House, Floor 2, Vicarage Road, EGHAM, Surrey TW20 9JZ. Registered in England, Registered Number: 1865673
Home emergency cover The insurance contract About Your policy wording: This service provides assistance if You or any member of Your Family have a Home Emergency and You phone the Home Emergency Helpline. We will arrange to deal with the emergency by choosing a qualified person to come to Your Home and carry out any repairs that are necessary as a result of that Home Emergency. We want You to get the most from this service and to do this You must read this policy and make sure You are covered for the sort of losses You think might happen and make sure You understand the conditions and exclusions which apply to Your policy. If You do not meet these conditions it may affect any claim You make. Your policy is renewed on a monthly basis and will end if (i) Your Ultimate Reward Current Account is closed; (ii) You fail to pay the monthly fee for Your account; (iii) Your account is changed to another type of account with Your account provider; (iv) Your account comes under the management of Your account provider’s collections and recoveries department; or (v) Your residential address is no longer in the UK. You have the right to cancel Your policy by giving Us notice that You wish to cancel. We may cancel Your policy or change Your policy wording by giving you 30 days’ notice in writing. If Your policy ends for any reason, You will not be entitled to a refund of any fees and/or premium paid for the cover provided under Your policy. Words with special meanings Throughout Your policy wording, certain words are shown in bold type. These words have special meanings which are listed below. Home The private dwelling, its garages and outbuildings detailed in the deeds of the property (which are solely used for domestic purposes). Home Emergency A sudden event that was not expected by any of Your Family and which needs immediate action to: • make the Home safe or secure • avoid damage or more damage to Your Home • make Your Home fit to live in • restore electricity, gas or water services to Your Home if they have totally failed. Insurance Period The period commencing on the date You open an Ultimate Reward Current Account and ending when Your Ultimate Reward Current Account is closed or Your policy is cancelled, whichever is earlier. Unoccupied When Your Home has not been lived in for more than 60 days in a row. Vermin Brown or black rats, house or field mice, wasps’ and hornets’ nests when situated inside Your Home or pests that are destructive in their natural behaviour. We/Us/Our Inter Partner Assistance S.A. or such other insurer as may be appointed by Your Ultimate Reward Current Account provider. You/Your The holder(s) of an Ultimate Reward Current Account. Your Family You, Your spouse, Your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or the person (whether or not of the same sex) with whom You are permanently cohabiting in a marriage-like relationship, children (including adopted and foster children) and relatives or domestic staff who normally live with You. The insurer This policy is underwritten by Inter Partner Assistance S.A. who are a wholly owned subsidiary of AXA Assistance S.A. and part of the worldwide AXA Group. Inter Partner Assistance S.A. is authorised by the Commission Bancaire Financiere, et des Assurances (CBFA) in Belgium and regulated by the Financial Services Authority (FSA) in the UK. Inter Partner Assistance S.A. is registered in Belgium number: 394025. The UK branch is registered in England number: FC008998. UK Registered Office: Inter Partner Assistance S.A., The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR. Inter Partner Assistance S.A. is a member of the Association of British Insurers (ABI) and Financial Ombudsman Service (FOS). Making a claim 1. To obtain emergency assistance call the 24 hour Home Emergency Helpline on 08451 24 14 00. 2. Ensure You have the following information to hand: • Your name and postcode • Your Ultimate Reward Current Account Number and branch Sort Code • an indication as to the nature of the problem. How We settle claims The most We will pay for any single event is up to £250 (including VAT) towards the cost of the qualified person who We choose to deal with the Home Emergency, in respect of the call out charge, labour and any materials that are necessary, plus up to £100 towards alternative accommodation. Covers The most we will pay for any single event Cost of the qualified person chosen by us to deal with the emergency in respect of the call out charge, labour and any materials necessary. Home Emergency overnight accommodation. £250 £100 Key information 83
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GETTING STARTED GUIDE Ultimate Rewa
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Contents Your benefits at a glance
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How to make a claim - Your account
Page 7 and 8:
Getting started Want to get the mos
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Our easy-to-understand overdrafts O
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Your Halifax Visa debit card The qu
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Managing your account 24/7 online b
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International payments We can help
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Introduction to your benefits Read
Page 19 and 20:
This summary outlines cover availab
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AA Breakdown Cover Cover If your ca
Page 23 and 24:
Mobile phone insurance It’s amazi
Page 25 and 26:
Home emergency cover From a burst p
Page 27 and 28:
Card protection If you’ve ever lo
Page 29 and 30:
Identity theft assistance Protect y
Page 31 and 32: Your account • The Ultimate Rewar
Page 33 and 34: Section 1 - Introduction to this ag
Page 35 and 36: monthly amount before you are entit
Page 37 and 38: Halifax Expresscash account Special
Page 39 and 40: Type of payment Cash Cheques Where
Page 41 and 42: You can check with us when you make
Page 43 and 44: 8.2 If we agree to a planned overdr
Page 45 and 46: (a) because of changes in the gener
Page 47 and 48: 19.3 If we are required to report i
Page 49 and 50: Reward payments If you have a Rewar
Page 51 and 52: Student Current Account, Cardcash a
Page 53 and 54: We developed these examples with th
Page 55 and 56: Travel insurance About YOUR Policy
Page 57 and 58: In the event that anyone covered by
Page 59 and 60: • proof of purchase (e.g. origina
Page 61 and 62: Section 1: Medical Emergency and Re
Page 63 and 64: Section 4: Personal Liability This
Page 65 and 66: General conditions applying to Sect
Page 67 and 68: Claims will be considered on a new
Page 69 and 70: 15. Any dishonest, malicious or cri
Page 71 and 72: AA Breakdown Cover AA Breakdown Cov
Page 73 and 74: • If, following a Breakdown, a Pa
Page 75 and 76: Additional services 4. Any addition
Page 77 and 78: Compliments and Complaints If You w
Page 79 and 80: You/Your The insured person(s) who
Page 81: 8. The cost of Unauthorised Calls i
Page 85 and 86: Complaints procedure Although We ai
Page 87 and 88: The Insurer The insurance underwrit
Page 89 and 90: What is covered The cover What is n
Page 91 and 92: Key policy differences The tables b
Page 93 and 94: Notes 93
Page 95 and 96: Key contacts card All the contacts
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