1 www.TheMonumentCard.co.uk Terms of Website Use

The terms and conditions below set out the terms on which you may make use of our site www.TheMonumentCard.co.uk, whether as a guest or a registered user. Please read these terms of use carefully before using our site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please do not use our site.

2 Information about us

2.1 www.TheMonumentCard.co.uk is a site operated by CompuCredit UK Limited. We are registered in England and Wales under company number 06032187 and have our registered office and main trading address at 150 Aldersgate Street, London, EC1A 4EJ. Our VAT number is 901 4696 33.
2.2 We are regulated by the Office of Fair Trading and the number of our licence issued under the Consumer Credit Act 1974 is 597542.
Further information is available from www.oft.gov.uk.

3 Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw, amend or update the service(s) we provide on our site without notice.

4 Using our site

4.1 You agree:
(a) That you are habitually resident in the UK.
(b) That you are 18 years of age or over.
4.2 You may not use our site:
(a) In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
(b) To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (often known as “spam”).
(c) To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
(d) To access without authority, interfere with, damage or disrupt:
(i) any part of our site;
(ii) any equipment or network on which our site is stored;
(iii) any software used in the provision of our site; or
(iv) any equipment or network or software owned or used by any third party.
4.3 We will determine, in our discretion, whether there has been a breach of these terms through your use of our site. When a breach has occurred, we may take such action as we deem appropriate.
4.4 Failure to comply with the above terms of use constitutes a material breach of these terms and may result in our taking all or any of the following actions:
(a) Immediate, temporary or permanent withdrawal of your right to use our site.
(b) Legal proceedings against you.
(c) Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
(d) The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

5 Intellectual property rights

5.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
5.2 You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference.
5.3 You must not download, communicate, transmit or modify any part(s) of our site without our express prior written consent.
5.4 "Monument" is a trading name used by R. Raphael & Sons PLC, the issuer of the Monument Visa Card and by CompuCredit UK, the servicer of the Monument Visa Card. Monument is a registered UK trademark owned by CompuCredit International Acquisition Corporation, an affiliate of CompuCredit UK.

6 Reliance on information posted

6.1 We will take reasonable care to ensure that our site is available on a continuous basis and that the contents of our site are reasonably accurate and complete.
6.2 Our site is provided on an "as is" basis, however, and we provide no warranties as to its being available at all times nor to the accuracy or completeness of the contents of our site.
6.3 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

7 Our site changes regularly

7.1 We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
7.2 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

8 Linking to or from our site

8.1 You may not link to our home page or any part of our site without our express prior written consent (which may be withdrawn at any time by us) and only then provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
8.2 If you wish to make any use of material on our site other than that set out above, please address your request to Monument, Monument Card Services, 51 Saffron Road, Leicester, LE18 4US.
8.3 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9 Our liability

9.1 We, other members of our group of companies and third parties connected to us hereby expressly exclude:
(a) All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
(b) Any liability for any loss of profits, loss of opportunity, loss of business, loss of anticipated savings, or for any indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it.
9.2 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

10 Jurisdiction and applicable law

The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site. These terms of use are governed by English law. Our site is provided for the use of UK residents. If you are not a UK resident and you choose to use this website then you are responsible for complying with your applicable national law.

11 Your concerns

If you have any concerns about material which appears on our site, please contact us at webmaster@themonumentcard.co.uk. Please be sure to include in your email a telephone number where we can reach you.
Thank you for visiting our site.