Use of your personal information
Home Retail Group Card Services Limited is a company which is incorporated in England and is a member of the Home Retail Group (“the Group”). The Group also includes Argos Limited (Argos), Home Retail Group Insurance Services Limited, ARG Personal Loans Limited, Homebase Limited and their associated companies from time to time. A list is available upon request from The Data Protection Compliance Officer, Argos Card, 489-499 Avebury Boulevard, Central Milton Keynes MK9 2NW. References in this “Use of your Personal Information” section to “we” or “us” are references to the Group.
When you apply, we’ll search your record at a credit reference agency or agencies. They will supply us with credit information and details taken from the Electoral Register. Credit scoring methods may be used to assess this application and verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those who you are financially linked with, may be used by us and other companies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account. Information held about you by the credit reference agencies may already be linked to records relating to one or more of those with whom you are or have been financially linked or associated. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records. If you refer to another person in your application, then you are also declaring that you are entitled to disclose information about them and have obtained their permission. You and anyone else you have a financial link with, understand that each other’s information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a “disassociation” at the credit reference agencies. Even if your application goes no further, the credit reference agencies will add details of this search and your application to your record. We’ll also add details of your agreement with us, as well as on-going details of your account and how you manage it. If you don’t repay on time, or in full, we may tell the credit reference agencies, who’ll record details of the debt. All this information will be seen by other organisations carrying out later searches.
If during the application process you provide your bank account details, a debit card or credit card then we may undertake further checks on this information to determine that these are correct and belong to you. We presume that this information provided by you will be used to make future payments on the storecard if you are successful in your application. You retain the right to determine how you make any future payments.
We’ll check your details with a fraud prevention agency or agencies and if you give us false or inaccurate information and we identify fraud, we’ll record this with them. Law enforcement agencies may access and use this information. We and other organisations may access and use this information to help make decisions about credit and related services, or considering insurance proposals and claims for you and members of your household. We and other organisations may use it to trace debtors, recover debt, prevent fraud, manage your accounts or insurance policies and to check your identity to prevent money laundering, unless you give us other satisfactory proof of identity. It may also be used when checking the details of job applicants and employees.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. We, the credit reference agencies and the fraud prevention agencies may also use and search these records for statistical analysis about credit insurance and fraud. We may occasionally search our records and those of credit and fraud prevention agencies so we can manage your account and take further decisions about credit.
We may use automated decision making systems when assessing you for credit and for fraud prevention. We will also use your personal information so that we can fulfil our agreement with you. This includes administering any accounts, processing and obtaining payment, preventing or detecting fraud, or running any prize draws or competitions that you may enter. If you choose insurance along with your Card, we will pass your details to the insurer who will also use them to administer your policy.
We may also give information about you to other companies and organisations so that they can run prize draws or competitions, or pass your details to our agents and employees to do any of the above things for us. In addition, we can hand over information about you to anyone to whom we transfer our rights and duties under our agreement with you, to the Financial Conduct Authority or relevant regulator if they require it, or to anyone else if we have a duty to do so and the law allows us to do it. Your shopping preferences, personal details and Storecard account history may also be analysed as part of our marketing programme to help us provide you with details of products, offers and services.
This might help us to automatically select and tailor products, services or special discounts that we think you’ll be interested to hear about. We may contact you by mail, telephone, e-mail, text companies and organisations outside the Group. We may also give your details to other companies or organisations to use in the same way for their marketing. However, we don’t want you to be contacted with these kinds of offers and information unless you’re happy to receive them and you can indicate this accordingly in the ‘your signature’ section of the application form.
We may also monitor or record your telephone conversation with us to ensure consistent service levels, to prevent or detect fraud, and for training purposes. In carrying out any of these activities, we may transfer data outside the European Economic Area to countries which may not necessarily give you the same level of protection in the use of your personal information.
You have a right to see the personal information we hold about you. You will need to request this in writing from the Data Protection Compliance Officer, and pay a fee before we send it to you.
If any of your details are incorrect, please let us know and we will correct them. Credit is provided by Home Retail Group Card Services Limited, Thynne Street, Bolton BL11 1AS.
If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, then write to The Fraud Manager, Home Retail Group Card Services Limited, Thynne Street, Bolton BL11 1BB. You have a legal right to these details.
Our customer satisfaction procedure
Home Retail Group Card Services Limited, trading as Argos Card Services, is a member of the Finance and Leasing Association (FLA) and follows the Lending Code. If you ever have any questions or queries about your account, please call Argos Card Services on 0345 640 0700 or write to us at Thynne Street, Bolton BL11 1AS. We’ll do our best to answer your enquiry straight away.
We aim to deliver the highest standards of customer service but if for some reason we should fail to do so you can ask us to investigate the matter. If you complain directly to us, we will aim to conclude within 24 hours of receiving your complaint but if we are unable to do so then we will write to you within five working days to let you know who is reviewing it and when you can expect a reply.
If we have been unable to conclude your complaint four weeks after we received it, we will write to let you know what is causing the delay and when you can expect a conclusion. In the unlikely event that we have been unable to conclude within eight weeks of receipt we will again write to you explaining the delay. When we conclude our investigation we will write to you explaining our findings. If at that point you remain dissatisfied with our findings we will also let you know how you can ask for a senior manager to review our findings.
If we are unable to resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service in writing at South Quay Plaza, 183 Marsh Wall, refer it to the Financial Ombudsman Service in writing at South Quay Plaza, 183 Marsh Wall, London E14 9SR or by calling 0800 023 4567 or emailing email@example.com. You may be able to refer your complaint to the Finance & Leasing Association, and we will let you know if this is the case.
Credit and insurance terms and conditions
This Argos Credit and Insurance website is operated by Argos Limited (referred to as “Argos/we/our/us”). As a user of this website (referred to as “you/your”) you acknowledge that any use of this website (“use”) is subject to the terms and conditions set out below.
- read through these terms and conditions carefully before using this website (and print a copy for future reference) and by using this web site you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website;
1.1 The contents of this website, including these terms and conditions, are subject to change by us at any time without notification. Any such changes will take effect when posted on the website (see date at the top) and it is your responsibility to read the terms and conditions on acceptance to be bound by the latest terms and conditions.
1.2 The information, services and products on this website are intended for use by residents of the UK only, and are not aimed at, or intended for use by residents of any other jurisdiction.
1.3 This website is designed to be accessed through its principle home page and such other principle product pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain website pages to read important information which will contain product details and relevant legal or regulatory information and which should be read in conjunction with the appropriate website pages.
1.4 If you choose to access certain services and products on this website which require electronic submission of details (including, for example, submitting a loan application) you may receive an automated acknowledgement to confirm that your application is being processed. Any such email is purely for acknowledgement purposes only and shall not constitute an offer or acceptance from Argos to provide you with any product or service.
1.5 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
2. Intellectual Property
2.1 You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.
3.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or your statutory rights as a consumer, or any other liability which may not otherwise be limited or excluded under any applicable law.
3.2 Subject to 3.1 above, Argos will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind express or implied statutory or otherwise regarding the contents or availability of the site or that it will be timely or error-free, that defects will be corrected, or that the site or the server(s) that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the website. Argos will not be responsible or liable to you for any loss of information, content or material uploaded or transmitted through the website and Argos accepts no liability of any kind for any loss or damage from action taken in reliance on material or information contained on the site.
3.3 Subject to 3.1 above, Argos will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise out of, or in connection with, these terms and conditions for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; or special or indirect losses suffered or incurred arising out of or in connection with the provisions of any matter under these terms and conditions.
4. Miscellaneous Provisions
4.1 The terms and conditions of use of this website are governed by the laws of England and any dispute will be resolved exclusively in the courts of England.
4.2 To provide increased value to our customers, we may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
4.3 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party unless agreed upon in writing by Argos. Argos reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions or any related contract to any third party.
4.4 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected.
4.5 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party (within the meaning of the U.K. Contracts (Rights of Third Parties) Act 1999) except: a) the Home Retail Group (as defined below) shall have the right to enforce any rights or benefits under these terms and conditions and take the rights or benefits of any limitation or exclusion or limitation of liability in these terms and conditions; b) a person/entity who is a permitted successor or assignee under Section 4.3 above of the rights or benefits of these terms and conditions may enforce such rights or benefits and no consent from such person/entity is required for the parties to vary or rescind these terms and conditions.
4.6 No delay or failure by Argos to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Argos.
4.7 These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and Argos relating to the use of this website and sets forth the entire agreement and understanding between you and Argos for your use of this website.
The Argos Credit and Insurance website is operated by:
489-499 Avebury Boulevard,
Registered in England with company number 1081551,
VAT Number 145 8990 25
© Argos Limited 2010. All Rights Reserved
The Direct Debit guarantee
- This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
- If there are any changes to the amount, date or frequency of your Direct Debit Home Retail Group Card Services Ltd will notify you 14 working days in advance of your account being debited or as otherwise agreed. If you request to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
- If an error is made in the payment of your Direct Debit, by Home Retail Group Card Services Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society
- If you receive a refund you are not entitled to, you must pay it back when Home Retail Group Card Services Ltd asks you to
- You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.