About Us | Terms of use | Help | Contact us Terms of Use of Website and Agreement for using the Online Account Centre and Email Alerts Website Terms of Use for www.morganstanleycard.co.uk Terms of Use 1.1. Please read the following Terms of Use which apply to www.morganstanleycard.co.uk ("the Web Site"). 1.2. YOUR USE OF THE WEB SITE IMPLIES THAT YOU ACCEPT THESE TERMS OF USE. Basis of Access to Web Site We reserve the right at any time to withdraw access to the Web Site for any purpose which we deem reasonable. The availability of the Web Site over the Internet is at our entire discretion. Jurisdiction and Geographical Restrictions 3.1. The Web Site is intended to be accessed only by consumers resident in the United Kingdom. 3.2. These Terms of Use are governed by English Law and any dispute shall be subject to the non-exclusive jurisdiction of the English Courts. Content 4.1. The Content of this Web Site is the property of Goldfish Card Services Limited and is subject to copyright with all rights reserved. 4.2. Whilst we seek to ensure that the content is accurate and complete, we provide all content AS IS and without any warranties as to accuracy or completeness. Links to Other Web Sites 5.1. On this Web Site you may be offered hyperlinks to other web sites which you may be interested in. We provide these links for your information only and does not accept any responsibility for the content of those web sites. 5.2. In addition, the Web Site hosts services provided by other providers such as Liverpool Victoria Banking Services Limited. You are advised to read each third party's terms and conditions before contracting with such third party. Modification We reserve the right in our discretion to change without prior warning or notice any content on this Web Site and the Terms of Use under which this Web Site is used and you are advised to read the Terms of Use upon every visit to this Web Site. Cookies 7.1. When you visit the Web Site we may transfer some information onto your computer's hard disk ('a cookie') that enables us to recognise you and helps us to identify products or services that can be tailored more specifically to you. 7.2. Cookies are files used by some Internet companies and services to store your configuration and user preference information on your computer and to track user information on their web site. If you access the Web Site by following a link from certain Web Sites on which our promotional links or banner advertisements are shown, we will place a cookie in the temporary memory of your computer. The cookie that we set in the temporary memory of your computer is used to maintain your Account identity as you move from one page to another within the web site and/or identify from which other web site you have navigated in order to reach the Web Site. Some of the cookies we place on your computer are not removed each time you close your browser software. Unless your browser is set up to accept cookies automatically, you may be prompted to accept a cookie from our Web Site. If such a message appears, you must accept the cookie if you wish to use the Web Site. If your browser is currently set to disable cookies, you will need to change your browser configuration. 1. Introduction 1.1 This Agreement sets out the terms for using the Account Centre and email alerts. In this Agreement 'we, us and our' means Barclays Bank PLC and 'you and your' means the person who is the primary Cardholder of a Morgan Stanley Card or any other Card issued by Barclays Bank PLC and has registered for the Account Centre. 1.2 The features of the email alerts may be varied in the future and we will tell you about these variations. We will also tell you about any new or varied services that will form part of the Account Centre. 2. The Account Centre 2.1 You may register for the Account Centre at any time by submitting an online User ID and Security ID ('IDs'). 2.2 You may cancel access to the Account Centre service at any time by using our online cancellation form. Your IDs will then be cancelled immediately. You will not be able to access information and services in the Account Centre or receive messages from the email alert service until you re-register, which you may do at any time. 2.3 All web pages where you are asked to submit Card or Account related or personal information are situated in an area which can only be accessed by primary Cardholders who have been through our security checks ('the Secure Area'). 2.4 We may withdraw your IDs if we think that this is necessary for security reasons or to prevent misuse of your Account. We may do this for example if there have been too many unsuccessful attempts to access the Account Centre. 2.5 When you have registered for the Account Centre you can also choose to receive email notifications about the status of your Account by subscribing to the email alert service. This service is designed to help you manage you Account and is described in condition 4 below. 2.6 When communicating by the Internet, we will use the email address you give us when you register. If your email address changes you need to inform us immediately by using the 'Change Your Contact Details' function under 'Update details' in the Secure Area of the site. 2.7 You must tell us as soon as possible if you: Change your name, postal address or telephone number Find any failure, delay or error in accessing the Account Centre or receiving emails Want to give us any instructions or notifications relating to your Account which cannot be dealt with within the Account Centre by writing to our Customer Services at the address on your statement or by calling our Customer Services Advisers on 0800 <%pcc_contactnumber%> . 2.8 You agree that use of the Account Centre or the email alert service outside the UK will be at your own risk and you are aware that accessing our Internet site from another country may be an offence in that country. 3. Secure Area 3.1 When you enter the Secure Area to: View confidential information that we hold about you or your Accounts in the Account Centre; Make an email alert selection or apply for any other product or service; we need to check your identity by asking for your Security ID and your User ID. As long as we are given the correct IDs, you will be responsible for any selection or application even if it was made by someone other than you. 3.2 We can refuse to act on an electronic message if for any reason we think it was not given by you, was not clear, might cause us to breach a law or contractual duty or we think your Account is being used for an illegal purpose. 3.3 You must never: Tell anyone (including us) your IDs (except when logging into the Secure Area) or allow anyone else to use them to access the Secure Area Make a written record of your IDs unless you have disguised it so that it cannot easily be understood by anyone else 3.4 You must always: Do all that you can to keep your IDs secret at all times Make sure that your IDs will not be kept in any form when accessing the Secure Area (by browser or any other software) in such a way that other users of the same work station can get access to the Secure Area Re-register for the Account Centre and email alert service as soon as possible if: You think that someone else knows your IDs You have forgotten your IDs You think that your IDs have been kept in any form which allow others access to the Secure Area 3.5 If any of the events in clause 3.4 have occurred, until you re-register: You will be responsible for any e-mail alert selections or applications for other goods and services which we receive and act on, even if it was not made by you We will not be responsible for any unauthorised access to confidential information about you on the Secure Area 3.6 Our records of your email alert selections and applications will be conclusive unless there is a clear mistake. 3.7 We will do all that we reasonably can to prevent unauthorised access to our Secure Area. As long as you have not broken the other terms contained in this condition 3 we will accept liability for any loss or damage to you resulting from any unauthorised access to the Secure Area. 4. Email Alerts 4.1 The email alert service is designed to help you manage your Account. We will still send you monthly statements by post and you will be responsible for making sure that you comply with all the terms of your Card Agreement. 4.2 You can ask us to send you email notifications as set out on the email alert web page. These will be sent to the email address you give us when you register. You will not receive certain notifications until the following month if you subscribe to email alerts after your billing statement day. 4.3 Please note the following points: (a) Emails alerts may contain personal information and details relating to your Account, such as your credit limit, current balance etc., depending on the nature of your selected email notification(s). By registering for the email alert service and selecting some or all of the email notification options, you authorise us to disclose such information to you in this way. If you want to prevent others from reading emails that we send you, you must set up your own ID protection on your system at home or work. Note that you may not be able to prevent emails being monitored at work. We will not be responsible if anyone gets access to your emails. (b) Emails are not sent via a secure link. This means that the information they contain is not encrypted and could therefore be read by anyone who intercepts the email. 4.4 You can select one or more of the available email alert notification options and change your selections at any time on the email alerts web page in the 'Update details' area of the secure Account Centre site. 4.5 Although we will do all that we can to send requested email notifications to you, the email alert service is simply a tool to help you manage your Account. We will continue to send you all the information you need by post to operate your Account. We will not therefore accept any liability for any loss or damage to you resulting from any errors or delays in our -mail notifications and you will therefore still be responsible for any late fees or overlimit fees charged to your Account. 5. Privacy & Cookies 5.1 When you visit the Account Centre we may transfer some information onto your computer's hard disk ('a cookie') that enables us to recognise you and helps us to identify products or services that can be tailored more specifically to you. 5.2 Cookies are files used by some Internet companies and services (including us) to store your configuration and user preference information on your computer and to track user information from web site to web site. If you access the Account Centre, the cookie that we set in the temporary memory of your computer is used to maintain your Account identity as you move from one page to another within the Account Centre. Some of the cookies we place on your computer are not removed each time you close your browser software. Unless your browser is set up to accept cookies automatically, you may be prompted to accept a cookie from our web site. If such a message appears, you must accept the cookie if you wish to use our web site. If your browser is currently set to disable cookies, you will need to change your browser configuration. Register | Demo Manage your Account online Take charge of your Account, and make the most of your money. View Account Centre demo > If you already have a Morgan Stanley Card, why not take advantage of great offers and savvy tips? Find out more by simply registering or logging in to the Account Centre above.