Please read these Terms and Conditions carefully before using BuildMyCreditScore

These legal terms are between you and BuildMyCreditScore. BuildMyCreditScore is a trading name of Currensea Limited. References to BuildMyCreditScore or BuildMyCreditScore.com in these Terms shall also include Currensea Limited where applicable.

By using the BuildMyCreditScore card and Account, you agree to them. You should read this document along with our Privacy Policy. It’s important that you understand these T&Cs, so if you have any questions please contact us at help@buildmycreditscore.com or call 020 3835 3030 and we will be happy to explain.

We reserve the right to change these terms at any time.

What is BuildMyCreditScore?

We are BuildMyCreditScore, a payment service that lets you connect your existing Bank Account to your BuildMyCreditScore card. The BuildMyCreditScore platform powers a number of different services. The specific BuildMyCreditScore Services available to you will be shown when you sign up to BuildMyCreditScore. We reserve the right to limit the Services available to all and individual users at any given time.

This bit is important: when you create a BuildMyCreditScore Account, it is not a bank account. It is a payment card and mobile app, connected to your Bank Account via Open Banking. You can only have one BuildMyCreditScore Account in your name. Therefore:

• any reference in these terms or on our website to your “BuildMyCreditScore Account” means your BuildMyCreditScore card and the mobile app
• any reference in these terms or on our website to your “Bank Account” means your separate bank account which is linked to your BuildMyCreditScore Account
• any reference in these terms or on our website to your “Card” or “BuildMyCreditScore card” means your BuildMyCreditScore Mastercard debit card (this may be a physical or virtual card depending on what you choose when you sign up)
• You must have an active direct debit when you authorise the payment until the payment has been debited from your linked bank account
• for other defined terms please see the glossary at the end of these T&Cs.

Who we are

Currensea Limited (“we”, “us” or “Currensea”) trading as BuildMyCreditScore is a company registered in England and Wales with company number 11413946 and whose registered office is at 4 Claridge Court, Lower Kings Road, Berkhamsted, United Kingdom, HP4 2AF.

We are authorised by the FCA as a Payment Institution with Firm Reference Number 843507. The head office address is 25 Wilton Rd, Pimlico, London SW1V 1LW.

We are also a Mastercard™ Principal Member, with Member Number 256494.

Who you are

We need to have up to date information about you, which includes your full name, date of birth, home address, email address and mobile phone number.

If you change your name, move address, change your Bank Account details or change your contact details (including your mobile phone number or email address), you must notify us as soon as possible. We may need to carry out additional Know-Your-Customer (KYC) checks to confirm that the details and information you provided are correct. If required, we may perform a soft credit check via a credit reference agency.

To be eligible for a BuildMyCreditScore card you must:

• Be aged 18 or over
• Have an active current account with one of the UK banks we support
• Be registered and have access to mobile banking
• Be suitable for a payment card that uses a direct debit
• Have no active CCJs.

BuildMyCreditScore may also not be a suitable solution for you if:

• you have been subject to an IVA or debt management plan in the last 12 months
• you are going through bankruptcy
• you have late debts or bill payments

How to contact us

You can reach us by email at help@buildmycreditscore.com or via the contact form on our website and in your BuildMyCreditScore dashboard.

How BuildMyCreditScore works

When you sign up to BuildMyCreditScore, you link your Bank Account through your bank's secure online banking platform or mobile application. We perform a check on your linked Bank Account to ensure it meets our eligibility criteria. Once linked, you provide us with the authority to debit your linked Bank Account for transactions made using your BuildMyCreditScore card. Authorised spend using your BuildMyCreditScore card, will be taken as consent to debit your linked Bank Account for the GBP/£ amount, or GBP/£ equivalent amount for spend abroad based on the exchange rate.

For each transaction made, or on a daily basis, we will send an email to the email address you have provided, identifying the merchant and the amount of the transaction. Where used abroad, the email will also show the exchange rate used and the GBP/£ amount that will be debited from your Bank Account.

You have also authorised us to access information from your Bank Account, based on the usage conditions in our Privacy Policy. This authorisation and your Bank Account link is reconfirmed by you each time you access the App or use your BuildMyCreditScore card. You can update your linked Bank Accounts via the App at any time.

The BuildMyCreditScore Debit Card

The BuildMyCreditScore Debit Card is a debit card designed to help build your credit score through everyday spend^[i]. You may register one account; you may not register multiple accounts in your name. There is a charge for the BuildMyCreditScore Debit Card, depending on which plan you subscribe to. You can cancel your BuildMyCreditScore Debit Card at any time, though you will not be refunded for any subscription month(s) or part of a month in which we are obliged to report your data to Credit Reference Agencies (CRAs) on your behalf.

If you use your BuildMyCreditScore Debit Card to make purchases in foreign currencies or for money transfers, our Foreign Exchange rates can be found here. Please note, some ATM providers may charge a separate transaction fee. Please note that the rate may change throughout the day, but we will let you know what rate has been applied to your transaction in your confirmation email. You can also check the rate via the transaction list in your BuildMyCreditScore mobile app.

For money transfers, there is a flat fee per transfer, please check the Foreign Exchange table below. We will let you know how much each transfer will cost before you complete the payment.

Using BuildMyCreditScore

When using your BuildMyCreditScore card to make a transaction, you must have enough funds available in your linked Bank Account. We’ll check the balance of your Bank Account to ensure there are sufficient funds before approving the transaction. Once a transaction has been authorised, we are immediately entitled to collect the funds which will be collected from your bank account via Direct Debit or Faster Payment. If we are unable to collect the funds from your Bank Account, we may charge you for late payment. Your BuildMyCreditScore Card is not a credit card and is not intended for borrowing.

You will need the BuildMyCreditScore app to authenticate online payments.

When transferring funds abroad, you will need to have the relevant amount of funds in your bank account. These funds will be transferred using Open Banking during the transaction via the app. We may ask for information about the payment you are making or where the funds are from.  BuildMyCreditScore does not accept any liability if you enter the incorrect beneficiary details and the transaction is successful. Therefore, we urge you to check and confirm the details before making any payments.

If the Direct Debit or Faster Payment is unsuccessful, we’ll contact you regularly and keep trying to collect the funds, or request that these are sent to us via Faster Payment. If we have still not received the funds after 7 days, we will charge a late payment fee of up to £35 and apply a compounded monthly fee of 25% on funds outstanding after 30 days (at the original unsuccessful payment date, and which will include the late payment fee). Your BuildMyCreditScore card will be blocked until outstanding funds are repaid.  BuildMyCreditScore reserves the right to refer any outstanding payments, including any additional fees, to a third party. If further fees are applied by those third parties, these will also be added to the balance. Outstanding payments may be reported to credit reference agencies and negatively impact your personal credit score.

You can keep track of how much you are spending via the transaction list in your BuildMyCreditScore mobile app.

Spend on your BuildMyCreditScore card is subject to our Fair Use Policy. We may block a transaction if:

• we suspect any criminal or fraudulent activity on your BuildMyCreditScore card (to protect you)
• we’re not legally allowed to process the transaction
• the transaction takes you over your BuildMyCreditScore spend limits
• you don’t have enough funds in your linked Bank Account
• we’ve had to apply a fee due to uncollected funds
• your spend is not in-line with our Fair Use Policy
• the transaction is for a non-permitted purchase. Details of non-permitted purchases can be found in our Fair Use Policy

If we do block a transaction, we'll let you know as soon as possible via email. Therefore, please ensure your contact details are correct.

Limits

Spend limits will be based on your balance and transaction history, as well as other profile information.

Your spend limits can be viewed in your BuildMyCreditScore mobile app. These limits may change over time, and we will let you know if they do. Please note, your BuildMyCreditScore card cannot be used for ATM withdrawals in the UK.

Keeping your card safe

You must always keep your BuildMyCreditScore card and its details safe and never let anyone else use them. You should memorise your PIN and other security information and keep them secret at all times.

You must only ever reveal your card number to make a transaction, report the loss or theft of the card, or if we ask you to. We’ll never contact you to ask you for your passwords or full security details. When we contact you, we’ll always check we’re corresponding with the right person by asking you several security questions associated with your BuildMyCreditScore Account.

If your BuildMyCreditScore card is lost or stolen, or you see unrecognised transactions, you must freeze it immediately via your BuildMyCreditScore mobile app and contact us at help@buildmycreditscore.com as soon as possible. If you need a new card, we may charge you £5 for a replacement.

We’ll usually refund you for any unrecognised transactions, unless:

• you didn't keep your BuildMyCreditScore card and PIN safe (as we have told you above)
• you broke the terms of these T&Cs or website Terms of Use
• the unrecognised transactions are over 13 months old
• you acted fraudulently or with intent or gross negligence
• the losses are not the direct result of our actions

Authorised transactions

All spend using your BuildMyCreditScore card is deemed as authorised, thereby giving us the authority to take the funds from your linked Bank Account via Direct Debit or Faster Payment. This means you must always have an active direct debit.

You will receive an email notification each time a transaction takes place using your BuildMyCreditScore card or a daily summary of transactions. If you did not authorise the transaction, you must freeze your card via your  BuildMyCreditScore mobile app immediately and contact us at help@buildmycreditscore.com as soon as possible. If you have been a victim of fraud, we will usually refund any money you have lost, unless you acted fraudulently or with gross negligence (as listed above).

Purchase protection

For your protection, BuildMyCreditScore supports Mastercard™ chargebacks. This may help you reclaim funds if:

• your goods do not arrive
• your goods arrive damaged
• your goods are different from how they were described
• the merchant has ceased trading

If you need to raise a chargeback, please contact us at help@buildmycreditscore.com.

Rewards and Benefits

We may offer rewards and benefits for things like referring a friend or using your BuildMyCreditScore card with specific merchants. We reserve the right to withdraw or change these offers at any time without notice.

We expect you to enter accurate information when required by our partners in order to collect associated benefits or rewards. Failure to do so may result in the reward being declined or removed.

Our BuildMyCreditScore Membership Plans

When you subscribe to one of our membership plans, you are committed for the term specified. No right to cancel within 14 days of sign-up (i.e. no cooling off period) exists.

Payment is collected in advance for the full amount due for the term of your subscription via your BuildMyCreditScore Direct Debit (i.e. per month if monthly or for six months if half-yearly or 12 months if annual). If you choose to end the agreement before the term has elapsed, you will be charged for any outstanding payments. If you fail to make one of your membership payments, provided you have no outstanding transactions with us, we’ll pause your membership and delete your account after 3 months.

Your subscription will automatically renew after the term has elapsed. To prevent this, please get in touch at least 14 days before your subscription is due to end. In the event this agreement is due to terminate on a date other than the anniversary of the term, and you are not then in arrears of any payment required hereunder or otherwise in default of this agreement, you shall be entitled to a pro-rata refund of the subscription paid for any whole subscription month(s) in which we are not obliged to report your data to CRAs in order to help build your credit scoreⁱ.

We may change our subscription plans and the price of the service from time to time. We will inform you of any upcoming price changes at least 30 days prior to it coming into effect.

How to make a complaint

If you have a complaint, please contact us at help@buildmycreditscore.com and we'll do our best to fix the problem.

If you're still not happy, you can refer your complaint to the Financial Ombudsman Service. For more details, you can visit their website at www.financial-ombudsman.org.uk

Making changes to this agreement

This agreement will be available on our website and through your BuildMyCreditScore mobile app. If we make any changes, we'll give you two months' notice (unless the change is urgent or due to legal requirements).

If you don't agree to these changes, let us know by contacting us at help@buildmycreditscore.com. Once we have checked there are no uncollected payments, we'll close your BuildMyCreditScore Account.

Ending the agreement

To close your BuildMyCreditScore Account and cancel your BuildMyCreditScore card, you need to get in touch with us by emailing help@buildmycreditscore.com. Cancelling your direct debit is not the same as ending your agreement with us. We’ll need to ensure there are no uncollected payments before we can end the agreement. Once we've ended it, your BuildMyCreditScore card won't work and you won't be able to access your BuildMyCreditScore mobile app.

Please be aware that obtaining and cancelling a reportable financial product in a short space of time may impact your credit score. BuildMyCreditScore is designed to be used for at least 12 months to establish a robust credit history.

If you wish to cancel, the account closure will be reported at the end of the next reporting period, assuming no further activity has taken place in that month, and no outstanding payments exist.  

We can end the BuildMyCreditScore agreement (and stop providing any services) by giving you at least two months' notice. We may end the agreement or stop you using your BuildMyCreditScore card immediately (and retain any subscription paid and continue to recover any outstanding payments) if we believe you've:

• broken any terms of this agreement or website Terms of Use;
• used your BuildMyCreditScore Account to break or attempt to break the law;
• given us false or inaccurate information at any time, or fail to provide us (on request at any time during the Agreement) with information we require to verify your identity;
• put us in a position where we might break the law or fail to fulfil our legal or regulatory obligations;
• been abusive to anyone at BuildMyCreditScore or a member of our community;
• tried to access a BuildMyCreditScore Account other than your own;
• allowed anyone else access to your BuildMyCreditScore card, BuildMyCreditScore dashboard or mobile app;
• attempted to get around usage restrictions set by your Bank Account;
• where there has been a failed payment from your Bank Account;
• where we reasonably believe (in our sole discretion) that your BuildMyCreditScore Account fails or falls outside of our fraud and risk modelling assessment.

General legal information

Who is this agreement between?

This agreement is between BuildMyCreditScore and you. You can’t transfer any rights or obligations under it to anyone else.

We can transfer our rights and obligations in this agreement if we reasonably think that this won't have a significant effect on your rights or for legal reasons. When we transfer rights and obligations, we will let you know beforehand.

English law and courts

The laws of England and Wales apply to this agreement.

If these terms and conditions are available in any other language, the translation is for reference only and the English version will apply. English Courts have non-exclusive jurisdiction.

Our right to enforce the agreement

If you have broken the agreement between you and us, and we don't enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.

Entire agreement

Only the Terms and Conditions as set out in this agreement apply.

Foreign Exchange

Below are the foreign exchange rates available to cardholders when spending abroad:

Fair Use Policy

BuildMyCreditScore has been designed to help build your credit scoreⁱ. In order to ensure that you get the best experience using BuildMyCreditScore, there are some fair use limitations to be aware of. We reserve the right to limit the use of, or block your card, if we see that you are using it in the following ways:

• Ecommerce micropayments: if you are using BuildMyCreditScore solely or frequently for ecommerce micropayments (such as for online games)
• Non-permitted purchases: if you are using BuildMyCreditScore for any non-permitted purchases. Non-permitted purchases include:
• online gambling or betting
• dating or escort services
• money transfer services (including Money Service Bureaus);
• financial products (including prepaid cards, loans, virtual currencies, stocks and bonds, currency and commodity exchanges)
• defence or weapons (including manufacturing and/or distribution of weapons, explosives or armaments)
• activities undertaken by unregistered or unregulated charities
• distribution of non-licensed drugs

If your BuildMyCreditScore card has been limited or blocked and you disagree with our decision, please get in touch and we’ll be happy to review this. If after further review our decision remains unchanged, we’ll let you know why.

Cashback Agreement

By registering to use, and/or access any part of our cashback services, you agree to be bound by this Cashback Agreement.

Our Cashback Services

1. Our services allow you to earn cashback on transactions that you make on participating merchant’s websites. This cashback forms part of a sum of money paid to us by the relevant merchant in the form of commission. For the avoidance of doubt, if, despite your use of our services, we do not receive the anticipated commission for any transaction(s) for any reason, we will have no liability to pay the cashback for that transaction(s) to you.
2. We reserve the right to add, remove or change participating merchants, or methods of earning cashback at any time and in our sole discretion. Furthermore, the rate of cashback, along with any specific restrictions or terms and conditions, may change from time to time. The current offers and terms will be displayed clearly on our website and mobile application. Any transaction you undertake will be subject to the published terms and conditions at the time of the transaction which may differ from those published at a sooner or later date.
3. On participating websites:
1. When you visit a merchant’s website by clicking through from our site, the visit is tracked using cookies and other technologies and credited to our services.
2. When you make a purchase having clicked through from our site, this is tracked – provided that you complete the purchase in a single uninterrupted browsing session.
3. When the merchant confirms that the transaction has taken place, and that any period for the transaction to be cancelled, refunded or otherwise reversed has passed, the merchant pays a commission to us – from which we allocate you a reward in the form of cashback.
4. Card-linked offers:
1. Your BuildMyCreditScore card is automatically linked to all available card-linked offers listed on our “Shopping Offers” page. Our innovative approach eliminates the hassle of you activating offers individually.
2. By making a purchase using your BuildMyCreditScore card from participating merchants, you accept these Terms and Conditions, and agree that BuildMyCreditScore may share your transaction data, including transaction date, time and amount, with the merchants and our Third Party Service Providers to facilitate the cashback reward.  BuildMyCreditScore will not share or disclose any of your personal information without your consent. Cardholder(s) may opt out at any time by contacting help@buildmycreditscore.com.
3. You are eligible to earn cashback when you use your BuildMyCreditScore card to make a Qualified Purchase. A “Qualifying Purchase” is a purchase from the participating Merchant using a BuildMyCreditScore Card that satisfies the terms associated with a Card Linked Offer and these Terms and Conditions.

Using Our Cashback Service

1. Transactions may not be confirmed immediately, and/or cashback may not be visible for 90 days or more. During this period, any cashback is in suspense until such time as all statutory or other permitted periods have passed within which a transaction may be reversed or refunded, including but not limited to product returns or booking cancellations. In circumstances where the qualifying transaction is reversed or refunded, some or all of the pending cashback will be removed from your account.
2. Once cashback has been confirmed, it will be shown as cashback earned in your account and the cashback will be added to the “Earnings” section of your dashboard. The balance does not represent sums of money held as deposits on your account – rather it represents a balance which may be converted into a payment to you, if and when you request this. Where you do request this, it may take up to 2 working days for the cashback to show in your linked bank account.
3. We are not in any way liable for the use of your card at a participating venue or elsewhere, nor for any issues you may encounter with the particular merchant or venue. Furthermore, we are not liable for any errors or omissions in rewards of cashback, including but not limited to issues arising from a lack of accuracy of information we may receive from a participating merchant or venue.
4. Cashback can only be earned on card transactions made with your  BuildMyCreditScore card.
5. You are responsible for ensuring that you comply with any terms attached to an advertised offer. There can be various reasons that a transaction with a participating merchant or venue may not be properly detected or verified and your use of the services is subject to your acceptance that there may be transactions which are not ultimately credited with cashback. If you believe that a transaction and resulting cashback has not properly been recorded and accrued to your account, you should contact help@buildmycreditscore.com within 30 days of the disputed transaction taking place. We will then aim to investigate any disputes within 30 days.
6. The reasons cashback may not accrue include, but are not limited to, technical problems with e-commerce systems, and/or payment processing technology. It may also be that steps required of you and provided for in the terms and conditions have not been observed. You accept that while we use reasonable care and skill to operate our services, neither we nor our participating merchants can be held liable for rewards not accruing despite our reasonable efforts. Our decision in each such matter will be final. You must lodge a missing cashback claim with help@buildmycreditscore.com within 30 days from the date of the transaction, this includes any untracked or incorrect payments. For declined claims, you must contact us within 30 days of the cashback being declined.
7. Where we require your assistance in providing information in respect of a transaction or your use of any of our services, you agree to provide all reasonable information and assistance we may require, promptly and accurately.
8. We further unconditionally reserve the right to not pay, or to require that cashback is forfeited where:

1. 1. A commission is received by us in relation to a transaction which has not been completed on your BuildMyCreditScore card.
   2. Commission is not received by us as anticipated from a participating merchant for any reason.
   3. The transaction is cancelled, refunded or otherwise reversed after it takes place, for example where a product is returned.
   4. We received a sum(s) from a merchant relating to an account which has been:

1. 1. 1. Suspended.
      2. Associated with any fraud or breach of these terms.
      3. Used to make purchases for other persons beyond that permitted in our discretion.

Relationship with the purchases you make

1. We are not a merchant, nor do we sell, supply or endorse any of the goods or services which you may purchase from merchants which we may feature on our website.
2. We have no responsibility or legal obligations to you arising from the quality, safety or other qualitative or legal characteristic of any goods or services promoted or provided by, and/or purchased from, participating merchants.
3. Our services will link from our website to external websites and services operated by third parties which are beyond our control. We are not responsible for the availability, accuracy or legality of such services, and you are solely responsible for and assume all risk arising from use of any and all such facilities, services or websites.

Our Liability

1. The provisions of this section will survive after suspension or termination of your account and/or this Cashback Agreement for any reason.
2. We warrant that we will provide our services to you with reasonable care and skill.
3.  In so far as we have any liability to you arising out of this Cashback Agreement it is limited to. Our obligation to pay cashback to you where you request payment of the balance in your account with us, subject to any prevailing rules around the terms upon which such payments are remitted.
4. Unless expressly provided for in this Cashback Agreement, all representations and warranties, whether express or implied are hereby excluded, save as in the case of fraud or where prevented from such exclusion by law.
5. Save as expressly provided for in this Cashback Agreement, we will have no liability, duty or other obligation to you, whether in contract, tort or otherwise for:

1. 1. Any loss of profits, revenue, business, or anticipated savings or profits.
   2. Any indirect or consequential loss, damage, costs or other sums, howsoever arising.
   3. Resulting from any transaction with a merchant via our services.
   4. Connected to the accuracy or otherwise of content of any reviews of products or services displayed on our website or mobile application.
   5. Rising from inability to use our services, or from events beyond our reasonable control including arising from the nature of electronic transmission of data over the internet.

Account Suspension / Termination

1. If your account is closed, any cashback due to you at the time of closure will be forfeited..
2. If, in our reasonable view, you are in breach of any of the terms of this Cashback Agreement, we reserve the right to suspend or terminate your access to our services, or any part of them.

Operation and Suspension of our services

1. There may be reasons we need to suspend our cashback services, or access to our offers, for planned maintenance or for other reasons, including those of a security, technical, legal or commercial basis, and we reserve the right to do so.
2. Where there are to be cashback service suspensions, we will try and provide notice to you, although it may not always be possible to do so.
3. We cannot and do not guarantee continued and interruption free access to our website, mobile application or our services generally. Our services may become inaccessible due to technical issues which we will use reasonable endeavours and care and skill to resolve, subject to the same being within our reasonable control.
4. We will not be liable for any failure or delay in performance of our obligations caused by events outside our reasonable control (Force Majeure).

Entire Cashback Agreement and Version Control

1. These terms, contain the entire Cashback Agreement between us relating to your use of, and our operation of our cashback services.
2. We reserve the right to change the terms of this, our Cashback Agreement from time to time, and to publish the new version in place of any prior version.
3. Such changes may arise from the introduction of new services or features, to comply with changes in legislation, or where a matter requires explanation or clarification. In all cases we will make reasonable efforts to let you know of significant changes. Where such changes have no adverse effect on you, this may be without advance notice and by notification within the website.
4. Where we consider that a change is substantial, or where it may adversely affect you, we will provide 28 days notice by notification within the website, and may also notify you by email.

Severability, Waiver and No Agency

1. In the event that any term or part of a term of this agreement is found to be invalid or unenforceable, the remainder of the term and of this agreement will remain valid and fully in force.
2. In the event we elect not to enforce our rights in respect of any breach by you of this Agreement, this does not act as a waiver of that right, or of our right to enforce our rights in respect of subsequent instances of the same, or a different breach.

Jurisdiction and Law

This Agreement, and our relationship, shall be governed by and construed in accordance with the law of England and Wales and both you and we submit to the exclusive jurisdiction of the courts of England and Wales in respect of any disputes arising therefrom which are not capable of remedy.

Glossary

The following defined terms are used in the BuildMyCreditScore Account ​Terms and Conditions​. If you do not understand any of the glossary terms, please contact us at help@buildmycreditscore.com and we will be happy to explain.

Glossary Terms

Agreement - The agreement between You and BuildMyCreditScore

ATM - Automatic Teller Machine – a cash machine

Authorised - Any transaction made using your BuildMyCreditScore card is deemed to be authorised spend

Bank Account - Your Bank Account linked to your BuildMyCreditScore Account

BuildMyCreditScore - BuildMyCreditScore, a trading name of Currensea Limited

Business Day - A day on which banks are open for business in London (weekdays), excluding weekends and bank holidays

Cashback Agreement - The Cashback agreement between You and BuildMyCreditScore

Chargebacks - A Mastercard service that enables you to claim a refund where; your goods do not arrive, are damaged, are not how they were described, or where the merchant has ceased trading

Currensea - This is us!

BuildMyCreditScore Account - Your BuildMyCreditScore card and mobile app

BuildMyCreditScore Card - Your Mastercard debit card connected to your BuildMyCreditScore Account

BuildMyCreditScore Services - Different card services available on the BuildMyCreditScore Platform

Email Address - The email address that you used to register for your BuildMyCreditScore Account

Gross Negligence -  A very significant degree of carelessness

Merchant - A company or retailer selling goods or services

Outstanding payment(s) – any and all expenditure incurred by a cardholder using their BuildMyCreditScore card.

Payment Institution - This is a business that makes electronic payments on behalf of their customers and it is the type of business that We are. Our payment processes are governed by the Payment Services Regulations 2017 (PSRs 2017) and the Electronic Money Regulations 2011 (EMRs), and we are regulated by the Financial Conduct Authority

PIN - Your Personal Identification Number – required to use your BuildMyCreditScore card

Privacy Policy - Our privacy policy is available here

T&C's - These BuildMyCreditScore Terms and Conditions

Transaction - A card transaction you have made using the BuildMyCreditScore Card. See "Authorised Transactions” above

^[i] Based on a study of active customers with good credit habits. Individual results may vary.