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Home > Financial Services > Travel Currency Cards > AA Travel Currency MasterCard^®
Prepaid Cards >

AA Travel Currency MasterCard^®
Prepaid Cards

Terms and conditions

These terms and conditions apply to the AA Euro Travel Currency MasterCard Prepaid Card and the Worldwide Travel Currency MasterCard Prepaid Card ('Card'). You must read them carefully and by using the card you are agreeing to these terms and conditions.

In these terms and conditions 'you' means the named cardholder and the authorised user of the card. 'We', 'us' or 'our' means AA Financial Services ('AAFS') and Tuxedo MoneyPlus Limited ('Tuxedo'). AAFS offer the cards, which are provided provided by Tuxedo (an approved MasterCard member service provider in the UK). The cards are issued by Newcastle Building Society pursuant to licence by MasterCard International Incorporated. See Section 23 for more issuer details.

'Website' refers to the AA Travel Currency Cards website at theAA.com/travelcurrency.

1. Your Prepaid MasterCard card

You can use the card overseas and in the UK at any location that displays the MasterCard Acceptance Mark, including shops, restaurants, online, or on the telephone. However, as this prepaid card is intended for use abroad the maximum value of any transaction that can be undertaken at a UK ATM or merchant is £55. Before using the card you need to make sure there are enough funds loaded on it. You will not be able and should not attempt to use your card after its expiry date.

Your card is not a credit card and can only be connected to your bank account for the purposes of loading the card. You will not earn any interest on any funds loaded on your card.

Where you have requested an additional cardholder, you authorise us to issue a card and a PIN to the additional cardholder, and you authorise this additional cardholder to authorise transactions on your behalf.

2. Applying for and activating your card

To apply for our AA Travel Currency prepaid card you must be at least 18 years old and a UK resident. We will require evidence of who you are and your address. We may ask you to provide some documentary evidence to prove this and/or we may check all personal information given by you with credit reference or fraud prevention agencies and other organisations, we may perform a search of your credit file in order to verify your identity. The agencies may keep a record of your information and the searches made, however we do not perform a credit check and the search is for identity purposes only and will be recorded as such.

You must sign the signature strip on the back of the card as soon as it is received. Please refer to our customer service page for the card loading options, or refer to 'Loading your card' below.

3. Loading your card

Funds can be loaded to your AA Travel Currency Card in a number of ways: top-up online at theAA.com/currency-card/manage-your-card.html, at Post Offices or Paypoint locations. You can also transfer funds from your bank account and at our discretion by using a debit or credit card, subject to satisfactory security checks. Simply follow the instructions on the website.

The minimum initial load on your card is £10. Your card cannot be loaded more than twice in any one day. The balance on your card can never exceed the limit specified under Section 12 at any time. If any load takes the maximum card balance above the permitted limit the load will have to be refunded to you and we may change the redemption fee specified in Section 12. We reserve the right to refuse to accept any particular loding transaction or to disable any particular loading method without notice in the interests of fraud prevention.

Upon receipt your funds will be available for use without delay. A PayPoint load will usually be available within one hour of loading. Bank transfer and Post Office loads will take up to a maximum of three working days to be received by us. The first load froma new debit or credit card will be available after three working days – subsequent loads by this method will be available immediately.

A load/reload fee may apply for each load/reload that you make. Please See Section 12 below for details of when a load/reload fee will apply and how much it will be.

4. Using your card

Detailed instructions on how to use your card are found on the website. You will need to follow these instructions when using your card.

We will deduct the value of your transactions from the balance on your card. We will also deduct any applicable fees as soon as they become payable by you, see Section 12 for further details on our fees.

The card belongs to us. We may ask you to stop using your card and return it to us or destroy it. We may at anytime suspend, restrict or cancel your card or refuse to issue or replace a card for reasons relating to the following:

• we are concerned about security of your account or cards we have issued to you
• we suspect your account is being used in an unauthorised or fraudulent manner
• or we need to do so to comply with the law

If we do this, we will tell you as soon as we can, or are permitted to do so, after we have taken these steps.

Like other payment cards, we cannot guarantee a retailer will accept your card. We may also refuse to pay a transaction:

• if we are concerned about security of your card or we suspect your card is being used in an unauthorised or fraudulent manner
• if sufficient funds are not loaded on your card at the time of a transaction to cover the amount of the transaction and any applicable fees
• if there is an outstanding Shortfall on the card in accordance with condition 12
• if we have reasonable grounds to believe that you are acting in breach of this agreement
• if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently), or
• because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions

If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by emailing us.

5. Authorising transactions

Subject to the features of the particular card, the authorisation of a transaction can include authorising any single transaction, a series or recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions of a certain or uncertain amount.

A card transaction will be regarded as authorised by you where you

• authorise the transaction at the point of sale by following the instructions provided by the merchant or retailer to authorise the transaction, which may include:
1. entering your PIN or providing any other security code
2. signing a sales voucher
3. providing the card details and/ or providing any other details as requested
4. waving/swiping the card over a card reader or inserting your card into a card reading device for the purpose of making a payment
• insert a card and enter your PIN to request a cash withdrawal at an ATM
• make a request for a cash advance at any bank counter

Authorisation for a transaction may not be withdrawn (or revoked) by you after the time it is received. However, the following transactions may be withdrawn if you or an additional prepaid cardholder gives notice to the supplier (providing a copy of the notice to us):

• any transaction which is agreed to take place on a date later than the date is was authorised as long as notice was provided no later than the close of business on the business day before it was due to take place

We will pay the funds required by the retailer or merchant to cover the transactions authorised by you within three days of us receiving their request. A transaction (the payment order) will be received as follows:

1. for purchases and ATM transactions, at the time we receive the transaction instruction from the merchant acquirer or ATM operator
2. for other transactions which are communicated directly to us, at the time you ask us to complete the transaction

If, in relation to the above scenarios (a and b), we receive any transaction after 4pm, it will be deemed to have been received by us on the following business day.

6. Cancellation and expiry of your card

This agreement will terminate 24 months from account opening date, after this time the funds on your card will expire and become valueless. You have a legal right to cancel your prepaid card up to 14 days after you receive the prepaid card without being charged the redemption fee – this 14-day period is known as the 'cooling-off period'. Under these terms and conditions, you also have the right to cancel your prepaid card at any time after the 14 day cooling-off period without notice and any funds remaining on your prepaid card will be returned to you within five days subject to satisfactory checks being completed.

We may also cancel your agreement for any reason by giving you at least two month's notice:

• if this agreement or your card expires on a set date and we have not agreed to renew this agreement
• if you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner
• if you act in a manner that is threatening or abusive to our staff, or any or our representatives
• if you fail to pay fees or charges that you have incurred or fail to put right any shortfall
• in the event of your death
• if there is a 12 month consecutive period of card inactivity

We may also cancel this agreement or suspend your card or account immediately if we believe your card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this we will tell you as soon as we are permitted to do so.

If we cancel your card you must tell us what you want us to do with any unused funds within three months of the date we tell you your card is cancelled. We can return the funds to the loading source, to a bank account in the same name as the prepaid card account, or we can issue a cheque for your refund. Please note we will need to verify your identity in order to satisfy anti-money-laundering requirements. If we receive no contact within the three-month period, your funds will expire and become valueless.

If your card is cancelled, we will immediately block your card so that it cannot be used.

You will not be entitled to a refund of money you have already spent on transactions authorised, or pending, or any fees for use of the card before the card is cancelled or expires. You can cancel your card by sending an email to us using the 'contact us' function on the website, and confirming that you have destroyed your card.

If you cancel your card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you. See 'Your rights to redemption of funds and refunding of transactions on your card' section below for further information. A redemption fee may be charged (see 'Fees' section below) unless you have arranged to transfer any unused funds to another card managed by us, or you cancel your card within 14 days of receiving it.

Your card will be valid for 24 months. Shortly before the expiry of your card, we will contact you to ask whether you require a replacement card. If you promptly confirm to us that you wish to receive a replacement card, then subject to receiving acceptable evidence of identity from you, we will issue a replacement card before expiry of your card.

When we issue a replacement card we may charge a fee. Please see section 12 for a summary of fees.

7. Keeping your card secure

You should treat your card like cash. If it is lost or stolen, you may lose some or all of your money on your card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your card safe and not let anyone else use it. If you are issued with a PIN, you must keep it secret at all times. You should memorise the PIN, destroy the notification and never disclose the PIN or security information to anyone. If you suspect that someone else knows your PIN, you should change it as soon as possible. You can change your PIN to something more memorable at most cash machines by following the on-screen instructions.

We recommend that you check the balance on your card regularly online at the website. We will provide you with your card balance and a statement of recent transactions either by electronic means or on our secure web page at any time. Your statement will show:

• information relating to each card transaction which will enable it to be identified
• the amount of the card transaction shown in the currency in which the transaction was paid or debited to the account
• the amount of charges for the transaction
• the date the transaction is authorised or posted on to the account

Paper statements are available at an additional cost (see Section 12).

8. Lost and stolen card and unauthorised or incorrectly executed payments

You must tell us without undue delay by calling us on our 24-hour lost and stolen card helpline 0207 078 2711, if you know or suspect that an AA Travel Currency Card is lost or stolen or that the PIN or password is known to an unauthorised person or if you think a transaction has been authorised by you.

If you think a transaction has not been authorised by you or has been incorrectly executed you must contact Customer Care immediately. Depending on the circumstances we may require you to complete a declaration form and forward this to us without delay.

We will refund any unauthorised or incorrectly executed transaction immediately unless we have any reason to believe that the incident may have been caused by a breach of this agreement, through gross negligence or we have reasonable grounds to suspect fraud. If our investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your prepaid card or PIN secure), we may reverse any refund made and you may be liable for any loss we suffer because of the use of the prepaid card. We may also charge you the investigation fee specified in Section 12.

9. Our liability

We will not be liable for any loss arising from

• any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite all our efforts to the contrary
• a retailer refusing to accept your card
• our compliance with legal and regulatory requirements
• loss or corruption of data unless caused by our wilful default

We are also not liable for

• business interruption, loss of revenue, goodwill, opportunity or anticipated savings
• any indirect or consequential loss

10. Your rights to redemption of funds and refunding of transactions on your card

You have the right to redeem the funds on your prepaid card at any time in whole or in part. To do so, please either send us an email or contact us on 0845 872 0822, requesting redemption and indicating the amount to be redeemed. If you request redemption of all funds on your card, please confirm in writing that you have destroyed your card by cutting it up. When we process your redemption request, we may require you to provide us with documents such as identification so that we may process your request in accordance with legal requirements. We may also charge a redemption fee if one of the following circumstances applies:

• You are requesting redemption before termination or expiry of this agreement
• You cancel this agreement before any agreed termination or expiry date
• You request redemption more than one year after the date of termination or expiry of this agreement

Please see section 12 for a summary of fees including redemption fees.

We will not redeem the value of the funds on your card to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement.

11. Changes to these terms

We may change these terms at any time by notifying you by email or other agreed means at least two months before the change is due to take effect. The up-to-date version of the card terms and conditions will always be available on this website. The change will automatically take effect and you will be taken to have accepted the notified change unless you tell us that you do not agree to the change. In that event, we will treat that notice as notification that you wish immediately to terminate. In such circumstances we will refund any balance on the card in accordance with section 10 above and you will not be charged a refund fee.

We may make immediate changes to the exchange rate used to convert transactions undertaken in a currency other than the currency of your card. Unlike other payment cards, we do not use MasterCard's exchange rates when you use your card outside of the denominated currency zone. Instead we set a fixed 'day rate' which can change on a daily basis, and which is available via automated phone line or our customer care team. The rate that we apply to spend outside of the card's currency is fixed at the start of the day, and we guarantee that rate regardless of market fluctuations so you always know exactly what you will be charged in advance.

12. Fees

We do not charge any fees for checking your online balance and transactions. However the following fees do apply:

* Some ATMs may charge an additional fee and should advise you before you confirm the transaction. When you use your card at an ATM, you may also be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association. The ATM should advise of this before you confirm your withdrawal.

There are no commissions or fees on top of our published foreign exchange rates (see Section 11 above). Instead all charges are built into the conversion process, providing you with a transparent, guaranteed, competitive rate.

If we decide to increase or impose any new fees, we will tell you by email, text, or post, at least two months before any changes take effect. Authorisation will be requested for all transactions at the time of each transaction. In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the card for that transaction (a 'shortfall'), the shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the card was presented, in this circumstance we may seek the shortfall from the retailer.

You agree that once we make this shortfall known to you, we may charge you for the shortfall amount. We may charge the amount of the shortfall from any other cards that you hold with us, to any other payment method which you may designate at that time, or against any funds which you may subsequently load onto your card or on any additional card ordered by you. Until we are reimbursed the shortfall amount, we may suspend your card and any additional cards connected to you. In addition, we reserve the right to charge you an investigation fee of £20 for each transaction that you make using your card that results in a shortfall or increases the shortfall amount on your card.

13. Your details

You must let us know as soon as possible if you change name, address, telephone number or email address. If we contact you in relation to your card, for example, to notify you that we have cancelled your card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any email to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.

14. Data protection

When you provide personal information in relation to your card application and servicing, AA Financial Services Limited (AAFS) and Tuxedo MoneyPlus Limited are the joint data controllers. AAFS is a company registered in England and Wales with company registration number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Tuxedo MoneyPlus Limited is a company registered in England and Wales with company registration number 05831827. Registered Office: Brettenham House, Lancaster Place, London WC2E 7EN.

As joint data controllers, we will treat your personal data:

• As confidential and will only disclose the same in the circumstances set out below; and in accordance with data protection and privacy legislation from time to time in force in England and Wales.
• In accordance with the AA Group privacy policy which can be found online at theAA.com or by writing to the Data Protection Officer at AA, Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA for a copy. It is very important that you read this policy in full; it explains how the AA, as part of the Acromas group, will use and share your information with its partners. It also explains how you can 'opt out' of receiving follow-up communications if you so wish. By providing the requested data, you consent to the AA Group sharing it with its group companies to inform you of other products and services. For full details, please see the AA privacy policy.
• We will process your personal data in order to open, administer and run your card and to deal with any enquiries you have about it. Data collected in relation to you and your use of the card may be used by us and our group companies to analyse where and how you use your card.
• We may use third parties to process personal data on our behalf including third parties outside the EEA and by submitting your activation form you consent to your personal data being transferred outside of the EEA and disclosed to such third party processors.
• We will share your personal data with MasterCard, Tuxedo's group of companies, Newcastle Building Society (and its group of companies), in order to process your application for your card and to administer its ongoing use. We will also share your data with Argos Business Solutions who have been commissioned to host the AA Rewards Programme website and to fulfil any items redeemed through this online service.
• Upon your request, we may use the information you provide, such as your mobile phone number and email address, to provide balance updates and transaction alerts.
• We will monitor and/or record telephone calls we have with you or your authorised cardholders to help us maintain and improve the quality of our service or as required by applicable law.
• We may check all personal information given by you with credit reference or fraud prevention agencies and other organisations, We may perform a search of your credit file in order to verify your identity. The agencies may keep a record of your information and the searches made.
• In accordance with current legislation, you have the right, on payment of a small fee, to receive details of the personal data we hold about you. Please contact Customer Services on 0845 872 0822 or support@aatravelcurrency.com.

15. Disputes with retailers

If you have any disputes about purchases made using your card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your prepaid card. Remember that once you have used your prepaid card to make a purchase we cannot stop that transaction.

16. Communication

If you have an enquiry relating to your card, you can email us at support@aatravelcurrency.com or call 0845 872 0822 from the UK or +44 207 096 9457 from overseas. We will deal with your enquiry promptly. The 0845 number is charged at a local rate from BT landlines. The cost of calls may vary from other phone networks and from abroad.

17. Complaints

The card programme is managed by AA Financial Services Limited in partnership with Tuxedo MoneyPlus Limited. If you are unhappy in any way with your card or the way it is managed, email support@aatravelcurrency.com so that we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800, and email enquiries@financial-ombudsman.org.uk.

18. Compensation

The card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the card. This means that in the event that Newcastle Building Society becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.

19. Assignment

We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you two month's prior notice of this. If we do this, your rights will not be affected.

20. Transfer to a new card

We may transfer your unused balance to a new prepaid card provided by a prepaid card issuer other than Newcastle Building Society at any time. Before we do this, we will give you two month's notice of the new prepaid card arrangements and the new prepaid card terms and conditions. Unless you advise us within the two-month period that you do not want a new prepaid card from the new prepaid card issuer, you agree that we can automatically transfer the unused balance on your prepaid card to a new prepaid card provided by the new prepaid card issuer.

21. Governing law

This agreement is concluded in English. All communications with you will be in English. These terms and conditions will be construed in accordance with English law.

22. Fund protection

As a responsible e-money issuer, Newcastle Building Society ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your card. In the event that Newcastle Building Society becomes insolvent, funds that you have loaded which have arrived with and been deposited by Newcastle Building Society are protected against the claims made by creditors.

23. AA Travel Currency Card issuer

Your card is issued by Newcastle Building Society (NBS) whose principal office is Portland House, New Bridge Street, Newcastle Upon Tyne, Tyne and Wear NE1 8AL, which is authorised and regulated by the Financial Services Authority (registered number 156058) as a building society and an issuer of e-money. Your card is the property of Newcastle Building Society and is not transferable to anyone else.

AA Reward Points terms and conditions

These are the terms and conditions that apply to membership of AA Financial Services ('AAFS') Reward Points Programme (the 'Programme') and incentive rewards ('Rewards') earned by cardholders ('Cardholder(s)', 'you' or 'your') of the AA Spend and Earn MasterCard^® Prepaid Card and the AA Travel Currency MasterCard^® Prepaid Card ('Card' or 'Card(s)').

Argos Business Solutions administer the Programme on behalf of AAFS ('AA', 'our', 'us' or 'we'). References to the AA include its subsidiary and parent companies, any subsidiary of any of its parent companies and any person to whom we transfer any of our rights or obligations under the terms and conditions.

These terms and conditions are an agreement between you and the AA and are separate from your agreement with the AA for your prepaid card(s).

From time to time, we may change the programme terms and conditions and these changes will be posted on theAA.com and the AA Rewards website. You are responsible for reviewing the programme terms and conditions and being aware of any changes.

General terms

1. Definitions To qualify for the AA Member Spend and Earn and AA Member Travel Currency Cards you must have valid AA breakdown cover and provide your AA Membership number during the application process. AA products are defined as any AA products and services advertised on theaa.com website, excluding AA Getaways, which are purchased directly from The AA. Motoring is defined as any card purchase from any car garage (for example, for parts, repairs, servicing or MoT testing). Fuel is defined as any card purchase ('Card Purchase') to fill up your car with diesel, petrol or LPG Autogas from any petrol station (including supermarket petrol stations).

2. Accruing Points Each cardholder may earn AA Reward Points ('Point(s)') by using the card to make card purchases. Cardholders will earn one point for every £1 spent on motoring, fuel and AA purchases, and one point for every £2 of card purchases made anywhere else. AA Members earn two points for every £1 spent on motoring, fuel and AA purchases, and one point for every £1 of card purchases made anywhere else. Points including any promotional points, if applied, will start to accrue from the day your first card purchase is posted to your AA Spend and Earn or AA Travel Currency Card Account ('Card Account'). Points that you have earned will be shown on your rewards website, which is accessible via your online servicing account. The rewards website will also show your available points earned from card purchases after the transaction is posted to your card account. Accrued points may be reversed if the card purchase is later reversed or invalidated.

3. Card purchases Card purchases include legitimate transactions for the purchase of goods or services using your card. Card purchases do not include cheque transactions, balance transfers, cash advances, money transfers or cash transactions (including cash substitute transactions such as casino and gambling type transactions). Points are not earned on finance charges, interest payments, lifestyle protection cover and fees. Unauthorised or fraudulent transactions (including, but not limited to, those made with a lost, stolen or cancelled card) do not earn points. We reserve the right to withdraw any points issued in error for these or any other activities.

4. Redeeming points To redeem your points for rewards or cash back as set out in clause 14 below, and to view the full list of redemption items, go to the rewards website by logging in to your card account at theaa.com/customerservice or call 0845 604 9609. Calls will be charged at a local rate from a BT landline and may be monitored and recorded. Points may be redeemed for new AA Membership breakdown policies only, motoring items, shopping vouchers or other items made available on the rewards website. Unless specifically authorised by the AA, points and rewards may not be combined with other discounts, special rates, promotions or other reward programmes offered by or through the AA, Tuxedo (and its group of companies), Newcastle Building Society (and its group of companies), MasterCard and Argos Business Solutions, or any other entity. Suppliers of any goods and services against which you redeem your points are independent contractors and are neither agents nor employees of the AA or any group, organisation or entity endorsing a Card. Your contract for the supply of any such goods or services is with the relevant supplier. The AA neither endorses nor guarantees any of the goods, services, information or recommendations provided by third parties to you. All rewards are subject to availability and will be dispatched within a maximum of 28 days from the time of redemption (unless otherwise specified at the time of redemption). Merchandise, gift cards, vouchers, wine, etc can be delivered to any address you designate in the UK. In all cases, PO Box addresses will not be accepted.

5. Points part payment At our discretion, you may be given the option to obtain a reward using only points or a combination of points and a card payment from your card subject to the card terms and conditions. Where you are given the opportunity to use a combination of points and a card payment, we reserve the right to apply a requirement for a minimum number of points to be used.

6. Points restrictions Points have no cash value and are non-negotiable. Points are not the property of you or any other person and may not be brokered, bartered, attached, pledged, gifted, sold or transferred under any circumstances, including, but not limited to: disability, death, upon operation of law, or in connection with any legal proceedings. Your points can be combined with those accrued by other cardholders using the same card account number, but cannot be transferred between different card accounts. You are responsible for determining any tax liability arising from your participation in the programme.

7. Programme eligibility Points will not be visible nor be redeemable until you have conducted at least one card purchase. To remain in the programme and earn points, your card account must be in good standing so you may not be in breach of your card agreement. If you or Tuxedo terminate or close the card account, any points that have not been redeemed ('Unused Points') will be forfeited. If you or any other person(s) acting with your permission or acquiescence engages in any act of fraud or any breach of these terms and conditions, we may (a) disqualify you from participation in the programme and/or (b) refuse to award or permit redemption of points and, in either case, any unused points will be forfeited.

8. Points expiry If unused, then provided that you still have a valid card account, points shall expire two years after issue. Expiration takes place on the last day of the month following the month in which they were earned two years previous. So, for example, points earned in May 2010 would expire on 30 June 2012.

9. Termination We may, in our sole and absolute discretion, withdraw the entire programme or remove the programme from selected cardholders by giving reasonable written notice of our decision, in which case any unused points under the withdrawn programme or accrued by the selected cardholders (as the case may be) will be immediately and irrevocably forfeited.

10. Disputes Discrepancies about points earnings are not treated as card billing disputes. Our decisions regarding points discrepancies will be final.

11. Programme changes We may change or limit any aspect of the programme; amend the terms and conditions, benefits or features, in whole or in part; may modify, delete or terminate any or all of the programme, the terms and conditions or any portion thereof, any or all of the participating partners, rewards, benefits or special offers, at any time. Changes may affect outstanding transactions and points and may include, but are not limited to, the type of transactions qualifying for points, the type of rewards, and the maximum number of points earned per month or year, or otherwise, if applicable.

12. Limitation of liability Neither the AA, Tuxedo (and its group of companies), Newcastle Building Society (and its group of companies), MasterCard and Argos Business Solutions, nor the sub-contractors of either such party will be responsible for indirect, special or consequential loss, loss of profits, economic loss, loss of goodwill or loss of reputation in connection with or arising out of the receipt (or non-receipt), ownership (or non-ownership) or use of any Reward. The aggregate liability (whether in contract, tort or otherwise) for loss or damage of each of the AA and its sub-contractors will be limited to the reward in relation to any claim or series of claims arising out of or in connection with the receipt (or non-receipt), ownership (or non-ownership) or use of the redemption items, vouchers or other reward. We are not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction or unauthorised access to, or alteration of points accrued and redeemed or other programme activities. The AA and its sub-contractors will be severally liable under these terms and conditions. Nothing in the terms and conditions will operate to exclude or limit liability for: personal injury or death caused by negligence of the AA or its sub-contractors, fraudulent misrepresentation, or any liability which may not be excluded under law.

13. Notices You agree to receive communications from us electronically regarding the fulfillment of the item you have redeemed your points against, and that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. This condition does not affect any applicable statutory rights. We are not responsible for delayed or lost correspondence, sent by post or any other form of delivery, including email. You are responsible for ensuring that you maintain up-to-date contact details with us.

14. Cash back If you redeem your points for cash back, Tuxedo will fulfil your request by way of a load to your card account. Cash back is fully redeemed once the load has been made to your card account.

15. Voucher rewards If you redeem your points for a reward which is fulfilled by means of a voucher (for example, shopping vouchers), voucher rewards are deemed by us to have been fully redeemed once a voucher has been issued and posted to you.