Terms and Conditions

Citibank International plc, which trades as Citibank in the UK, is licensed by the Office of Fair Trading to supply credit (licence number 0482552). For all other activities it is authorised and regulated by the Financial Services Authority (firm reference number 122342). Registered in England with no. 01088249. Registered Office: Citigroup Centre, Canada Square, London E14 5LB. VAT No. GB 429 6256 29. CitiFinancial Europe plc which trades as Citi Cards in the UK, is licensed by the Office of Fair Trading to supply credit (licence number 0079310). For all other activities it is authorised and regulated by the Financial Services Authority (firm reference number 204598). Registered in England with no. 01375237. Registered office: Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Ultimately owned by Citigroup Inc., New York, USA.

To contact Citibank International plc, or CitiFinancial Europe plc (in particular, if you have any questions about these terms and conditions) you should go to the 'Contact Us' part of this site.

"We", "us" and "our" means Citibank International plc and CitiFinancial Europe plc. "Citigroup" means Citigroup Inc and its subsidiaries (including Citibank International plc and CitiFinancial Europe plc).

PLEASE READ THESE TERMS AND CONDITIONS AND OUR SEPARATE PRIVACY POLICY CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS (INCLUDING THE DISCLAIMER BELOW). IF YOU DO NOT AGREE TO ANY PART OF THESE TERMS AND CONDITIONS, DO NOT CONTINUE TO ACCESS OR USE ANY PART OF THIS SITE.

These terms and conditions apply to use of this site only. In the event of any conflict between these terms and conditions and any terms, conditions or disclaimers on other pages of this site, these terms and conditions prevail in respect of use of this site. In the event that any products or services are sold on this site, they will be subject to separate terms and conditions as provided to you.

USE OF THIS SITE

This website is aimed at and intended for use by persons in the UK only. Use by any person in any other country would be subject to the relevant local law or regulation and we do not guarantee that this site is compliant with such local law or regulation.

This site is made available to you for your own personal or non-commercial use only (unless otherwise expressly indicated). We may modify, withdraw or deny access to this site at any time. We do not guarantee that this site will be compatible with all or any hardware and software which you may use.

CONTENTS OF PAGES

These terms and conditions are subject to change. You should check this page from time to time and you should not continue to access or use any part of this site unless you agree to any such changes. The products and services referred to on this site are available in the UK. They may not be available outside the UK. You should go to www.citigroup.com in order to be redirected to website pages containing details of products and services which are available in your own country. Your eligibility for particular products and services is subject to final determination and acceptance by the relevant Citigroup company.

None of the information on this site is intended to be nor should it be construed as an offer to enter into a contractual relationship with you including but not limited to an offer to buy or sell any financial products or services. None of the information on this site amounts to advice or a personal recommendation relating to any financial products or services.

NO WARRANTY

THIS SECTION IS SUBJECT TO THE 'EXCLUSION AND LIMITATION OF LIABILITY' SECTION BELOW. WHILST THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS IS BASED ON OR IS FROM SOURCES BELIEVED TO BE RELIABLE, IT IS PROVIDED "AS IS" AND "AS AVAILABLE"., NEITHER WE NOR CITIGROUP WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF SUCH INFORMATION AND MATERIALS AND WE EXPRESSLY DISCLAIM AND CITIGROUP EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN SUCH INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THIS INFORMATION AND MATERIALS.

EXCLUSION AND LIMITATION OF LIABILITY

We do not and Citigroup does not exclude nor limit liability (if any) to you:

for breach of any of your statutory rights;
for personal injury or death resulting from their negligence;
for fraud;
as imposed by the Financial Services and Markets Act 2000 in the United Kingdom or any duty or liability imposed by the FSA's rules; or
which cannot otherwise lawfully be excluded or limited.

EXCEPT AS PROVIDED ABOVE, WE EXCLUDE AND CITGROUP EXCLUDES ANY AND ALL LIABILITY, INCLUDING BUT NOT LIMITED TO LIABILITY FOR ANY DAMAGES INCLUDING BUT NOT LIMITED TO DIRECT OR INDIRECT, SPECIAL, INCIDENTAL LOSSES OR EXPENSES, ANY LOSSES WHICH ARE NOT REASONABLY FORESEEABLE , BUSINESS LOSSES INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFIT BUSINESS INTERRUPTION AND LOSS OF BUSINESS, ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE OR CITIGROUP OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

As explained above, this exclusion of liability does not affect any rights which you have by law. For further advice about this you should contact the Citizen's Advice Bureau or the Trading Standards Institute.

LINKS

This site may contain certain internet addresses, links and or hyperlinks to other sites that are not operated or monitored by us or by Citigroup. They are provided solely for your convenience. In addition, sites operated by other parties may link to this site. We are not responsible for the content of any third party sites and neither is Citigroup. You should read the terms of use and privacy policies which are applicable to such third party sites.

USE OF HYPERLINKS TO OR FROM OTHER SUCH INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY US OR BY CITIGROUP.

INTERNET AND EMAIL

You should bear in mind the risks associated with disclosing information about yourself over an open network such as the internet or by email. This site takes appropriate steps to protect your security but by using it you accept that nevertheless there are inherent security risks involved in providing us with information about yourself over the internet or by email.

SUBMISSIONS AND DATA PROTECTION

All information submitted via this site shall be deemed and remain the property of Citigroup, which shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information which a visitor to this site provides through this site. We are not and Citigroup is not subject to any obligations of confidentiality regarding submitted information except as agreed by us or such other Citigroup entity (as appropriate) having the direct customer relationship or as otherwise specifically agreed or required by law.

Use by us and by Citigroup of any personal information which you submit via this site is subject to the separate PRIVACY POLICY as referred to above.

INTELLECTUAL PROPERTY RIGHTS (INCLUDING TRADE MARKS)

This site and all the content and materials on it are protected by intellectual property rights, including copyright. Those intellectual property rights either belong to us or to Citigroup, or we are (or Citigroup is) licensed to use them. Materials include, but are not limited to the design, layout, look, appearance of the site and graphics and documents on the site.

Except as provided for below, you may not copy, redistribute, republish or otherwise make the content or materials on this site available to anyone else without our prior written consent.

You may print or download materials from this site for your own personal use or non-commercial use provided that no materials are modified in any way; no graphics are used separately from accompanying text; our copyright and trade mark notices appear in all copies and you acknowledge this site as the source of the material; and the person to whom you provide these materials is made aware of these restrictions.

CITI, CITI and Arc Design, CITIBANK, CITIGROUP, CITICORP and CITI NEVER SLEEPS are trademarks and service marks of Citigroup Inc. and Citibank, N.A. and are used and registered throughout the world. The Blue Wave design is trade dress of Citigroup and is used throughout the world. Citibank, N.A., Citigroup Inc. and their subsidiaries also claim rights in certain other trade marks and service marks contained in these web pages.

GENERAL

Subject to any applicable consumer laws, the formation, existence, construction, performance, validity and all other aspects of these terms and conditions and the separate Privacy Policy referred to above and any non-contractual obligations arising out of or in connection with them are governed by English law and the English courts have exclusive jurisdiction in respect of any dispute arising in connection with them.

You are not permitted to assign or sub-contract your rights under these terms and conditions and the Privacy Policy to any other person.

The provisions of the Contracts (Rights of Third Parties) Act 1999 are expressly excluded.

Last modified 25 May 2010