These are the Terms and Conditions of the Virgin Credit Card Members Shop. The Members Shop is provided by Virgin Money Limited, Discovery House, Whiting Road, Norwich, NR4 6EJ. Registered in England number 4232392. There may also be specific terms and conditions relating to any offer you choose.

Eligibility
The offers in the Members Shop are open to anyone with a Virgin Credit Card account. If you have additional card holders on your account, they are not eligible to use the Members Shop, which is restricted to main card holders only, but they will be able to take advantage of the point of sale (POS) discounts available.

If either you or we close your card account, you'll no longer be able to take part in the Members Shop.

Offers
The Members Shop offers a range of products and services from a number of Virgin companies, plus information on POS discounts available to cardholders. There may also be offers and discounts from specially selected non Virgin companies. The terms of each offer will be available on the website or by calling us.

All products, services and POS discounts are invitations to you to take up an offer, which is subject to our acceptance, or acceptance from the company making that offer. No offer is guaranteed to be available and offers are only available while stocks last. We may vary or withdraw any offer without prior notice, although we’ll always try to tell you whether a particular offer is available before you buy. You’ll find details of current POS discounts in the Members Shop at www.virginmoney.com. Or you can call us for more information. If you’ve ordered a product or service that’s no longer available, we may suggest a replacement or refund the amount you paid for it by crediting your Virgin Card account.

You can only buy offers for cash in the Members Shop. If you see references to paying with points or to earning extra points, don’t worry about them. People who don’t get Members Area deals use points.

All goods bought in the Members Shop must be purchased for cash using your Virgin Credit Card. We’ll either take the payment ourselves on behalf of the company providing the goods or service, or in some cases, like wine, travel services and POS discounts, the payment may be taken directly by the relevant company.

When you take up an offer, you become a customer of the relevant company and are subject to their terms and conditions.

We’re not liable for any acts or omissions of any other company providing the offer in the Members Shop. We won’t be liable if suppliers of any of the offers, including POS discounts, withdraw, postpone or amend the offers and we make no representations regarding the quality and/or fitness for purpose of any of the offers.

Travel offers
If you choose an offer from a company providing travel products or services, your order will be passed to them and they will deal with it. These companies are registered with the relevant trade and statutory schemes (e.g. ABTA and ATOL) and their booking conditions will apply. You may be entitled to a POS discount from the company, by paying with your Virgin Card.

Delivery and returns

Delivery:
The company offering the product or service will be responsible for all aspects of its delivery and suitability. The terms and conditions of that company will apply.

Delivery can only be made to the main card holder’s UK address. Delivery times will vary depending on the company providing the offer, and details will be available on the website or by calling us.

If you don’t receive an offer within any given timescale, please contact us and we’ll follow it up for you.

Returns:
If you need to return a product, please contact us. The returns policy of the company who made the offer will apply, although generally you may return a product if:

• it is faulty; or
• it is unsuitable and you return it within 7 working days of receipt

Some products are non-returnable and this will be stated in the terms of the offer.

If you have legitimately returned a product and you’d like a replacement, then the relevant company will either replace it with an identical one, or if there is no stock left, they may (at their discretion) suggest an alternative of equal or greater value. If a replacement isn’t available, or you’re returning the product because it’s unsuitable, we’ll refund the amount you paid for it by crediting your Virgin Card account. If you need to return a product and you received a POS discount at the time of purchase, you’ll be subject to the relevant company’s terms and conditions for returned goods. They may (at their discretion) suggest an alternative of equal or greater value, or refund the amount you paid (minus the discount you received at the time of purchase).

Complaints
If you have any complaints about the Members Shop, or any product or service bought from it, please write to us at Virgin Card Members Shop, Discovery House, Whiting Road, Norwich, Norfolk, NR4 6EJ.

Use of your information
To use the Members Shop and as part of running your card account, we'll collect certain information about you, and hold and control this information as part of providing the Members Shop service to you. Please see our security policy to see how we'll manage your personal information. This is available on our website, or call us, and we'll send you a printed copy.

You give your information to us so we can provide any service to do with the Members Shop and to keep you updated about the offers available. We may pass your information on to other companies who provide the offers in the Members Shop (or companies working on their behalf), but we'll do all we can to make sure that your information is kept safe and secure, whoever holds it. By signing up to the Members Shop, you agree that your information can be passed directly to, and between any such companies, for the purpose of administering the Members Shop, fulfilling your orders and for marketing analysis. They will hold copies of your information. Once you have taken up an offer from another company, you become their customer also and are subject to their terms and conditions with regard to use of personal data.

We'll also receive information direct from MBNA Europe Bank Limited about your card account (including your card details and transactions made) so that we can manage your Members Shop account.

Marketing the Members Shop
We’ll keep you up to date with the deals the Members Shop has to offer unless you tell us otherwise (either by writing to us at Virgin Card Members Shop, Discovery House, Whiting Road, Norwich, Norfolk, NR4 6EJ or telephoning us on the published Members Shop number).

Security
You need to make sure any security details you use to access the account are kept secure, and we’ll promise to do the same.

Further details of our security policy are available on our website, or call us and we’ll send you a printed copy.

Changes to these Terms and Conditions
We reserve the right to vary these terms and conditions, and we’ll let you know when we do. We also reserve the right to withdraw the Members Shop at any time or change the basis of any incentive. If we do we'll give you written notice.

Correct as at 24/06/2004