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Important Information
Credit Card and Insurance Agreements
Important information relating to your account is contained within the Credit Card Agreement. For full details of all terms and conditions for each of our cards, please click on the appropriate link below.
Credit Card Agreements for Halifax Cards
Credit Card Agreements for Charity Cards
Credit Card Agreements for Partner Cards
Insurance Products
Please read this important information with regard to our insurance products. It contains details of the policies offered and will help you decide whether the policies are relevant for you.
Credit Card Repayments Cover policy information
Data Protection
When you apply for a credit card you will be given an opportunity to elect not to receive marketing information from us (whether about our own products and services or those offered by other suppliers).
This does not apply to the features and benefits which form part of your credit card account. If you apply for a card which is endorsed by another organisation we may pass your personal data to that organisation. If you do not wish to receive marketing material from that organisation you must contact them.
General Credit Card Information
These pages and the credit cards offered on this site are for people who are resident and ordinarily resident in the UK. The information set out in these pages should not be regarded as an offer or invitation to sell financial products outside the UK.
All credit facilities are subject to status and are available only to UK residents aged 18 or over.
All credit cards offered through this site are issued by Bank of Scotland plc. Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
We may monitor and record telephone calls made to or from us to check what was said and to help us train our staff.
Please note that some of our flat rate cards do not allow for an interest-free period. Please check carefully before you apply.
The information contained within this important information section relates only to the credit cards available through this site and not to other Halifax or Bank of Scotland credit cards.
Bank of Scotland plc and St Andrew’s Insurance plc are authorised and regulated by the Financial Services Authority. Halifax Insurance Ireland Limited and Halifax Assurance Ireland Limited are authorised by the Irish Financial Services Regulatory Authority and regulated by the Financial Services Authority for the conduct of UK business.
Complaints we cannot settle may be referred to the Financial Ombudsman Service.
Bank of Scotland plc subscribes to the Banking Code - copies are available on request. For further information or to view the Banking Code, visit the British Bankers Association website.
