You are here:

Useful information

Ulster Bank YourPoints - Terms & Conditions

Our contact details are provided at the end of these Terms.

Introduction

  1. These Terms set out how you may earn and use Points with your credit Card Account under our YourPoints Loyalty and Rewards Programme. The Programme rewards you by allowing you to earn and use Points provided you have not broken the terms of the agreement for your Card Account. If you break the terms of that agreement and fail to put right your breach, we may stop you from using your Points and, in the end, you may lose them completely.
  2. The Programme is not available for all Card Accounts. With certain Card Accounts you may be automatically enrolled. Once you are enrolled, we will set up a Programme Account for you.
  3. By enrolling in the Programme or using a Card Account with YourPoints included, after we have sent you your Invite Letter or you have received your Black Card application form, you accept these Terms which are in addition to the terms that apply to your Card Account.

    4. Collection of Points

  4. You may only earn Points on transactions made using a Card Account ( Qualifying Transactions) except for the following:
    • advances (as defined in your Card Account agreement);
    • balance transfers (as defined in your Card Account agreement);
    • money transfers (as defined in your Card Account agreement);
    • payments by cheque drawn on your Card Account; and
    • interest, fees and other charges.
  5. Points earned will be shown on your Card Account Statement starting with the second Statement that is issued after you enrol. For every €1 you spend on a Qualifying Transaction, you will earn 1 Point. If you want further information, please refer to your User Guide or telephone us.
  6. If we issue additional cards on your Card Account, any Points earned on Qualifying Transactions made on the additional card belong to you and can be used only by you.
  7. You must check your Statement and tell us immediately if you do not agree with the Points awarded as shown on that Statement. We will correct the Points earned if it is shown to our reasonable satisfaction to be wrong.
  8. If you have more than one Card Account, you will have a separate Programme Account for each. You can nominate one Programme Account to combine all your Points.
  9. For details of your Points and information on how to spend them, log on to your Programme Account at www.ulsterbank.ie/yourpoints or telephone us.

    10. Use of Points

  10. You may use the Points recorded on your Programme Account to purchase goods, services, and vouchers ( Rewards) provided that you have not broken any of the terms of the agreement for your Card Account that would allow us to terminate that agreement.
  11. Rewards are provided through us on behalf of certain companies ( Suppliers). In order to purchase your Rewards, you will enter into a separate agreement with a Supplier. An up-to-date list of Suppliers is available online at www.ulsterbank.ie/yourpoints or by telephoning or writing to us. Suppliers do not act as our agents under the Programme nor do we act as agents of Suppliers.
  12. We will tell you from time to time the number of Points that are required in order to purchase Rewards. All Rewards are subject to availability.
  13. Points cannot be exchanged for cash or be used to pay an outstanding balance on your Card Account.

    14. Refunds

  14. If a Qualifying Transaction is refunded, we will deduct any Points earned on that transaction.
  15. If you use Points to purchase a Reward which is then refunded, we will refund the Points used to make that purchase.

    16. Security

  16. You are responsible for keeping secure any passwords and any other personal information ( Security Details) used to access your Programme Account..
  17. If you suspect unauthorised or fraudulent use of your Points or unauthorised use of your Security Details, you must immediately telephone or write to us. We may suspend your right of access to your Programme Account while we investigate the matter.
  18. We will not be liable for loss of Points if you have disclosed your Security Details to a third party or failed to take reasonable steps to keep your Security Details safe.

    19. Changes

  19. We may make changes to these Terms or the Programme. We will, unless there are exceptional circumstances, give you 30 days' prior notice of the change. If the change is to your advantage, we may make the change and give you notice afterwards.

    20. Termination

  20. If you want to terminate this agreement, you may telephone or write to us. With some Card Accounts, you may also have to terminate the agreement for your Card Account. We will inform you of the period within which you must use any Points. If you do not do so, any unused Points will be lost.
  21. If you or we terminate the agreement for your Card Account, we will also terminate this agreement. We will inform you of the period within which you must use any Points. If you do not do so, any unused Points will be lost.
  22. If we terminate the agreement for your Card Account due to a breach of your Card Account, any unused Points may be lost.
  23. We may withdraw the Programme for any of your Card Accounts by giving you 30 days' notice. We will inform you of the period within which you must use any Points. If you do not do so, any unused Points will be lost.
  24. If you do not make any transactions using your Card Accounts registered for the Programme for 36 continuous calendar months, any unused points may be lost.

    25. Notices

  25. If you provide us with an e-mail address when you enrol in the Programme, we may send all communications in connection with the Programme (including changes to these Terms) to your e-mail address.

    26. Waiver

  26. If we do not enforce any of these Terms, we may still decide to do so in the future.

    27. Transfers

  27. Points on your Programme Account are personal to you and cannot normally be transferred to any other person except upon your death. If you die, your beneficiary may be entitled to request that your Points be transferred to them. For further details on transferring Points to a beneficiary, please telephone or write to us.
  28. If we sell or transfer the Programme, we may transfer all our rights and obligations under these Terms and disclose all information we hold about your Programme Account to a prospective or actual new owner. This will not alter your rights in respect of the use of your information by the prospective or actual new owner.

    29. Liability

  29. We are only liable to you where you suffer loss as a result of a breach by us of these Terms. Our liability is limited to crediting your Programme Account with any Points which have been incorrectly deducted, withheld or cancelled.

    30. Use of Information

  30. We may collect, use, and share your personal information in accordance with the terms of your Card Account and any additional terms that you agreed to when you enrolled in the Programme.

    31. Governing law and Jurisdiction

  31. The laws of the Republic of Ireland shall govern these Terms and you submit to the exclusive jurisdiction of the Republic of Ireland courts to resolve any disputes that may arise in connection with these Terms.

Contact Details

If you have any questions, please telephone or write to us on the contact details set out below:

Telephone number: 1890 987 999

Address: Cards Customer Services, PO Box 5747, Southend-on-Sea, Essex SS1 9AJ


Please note that Ulster Bank YourPoints is not an activity regulated by the Central Bank of Ireland.

Want to know more?