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Frequently Asked Questions

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Contact Us:

Contact Us

Contact Us:

Evans Card c/o NewDay Ltd
PO Box 700
Leeds
LS99 2BD
Evans Card Services: 0333 220 2514

 

If you already have an Evans Card which is not an Evans MasterCard, call our Customer Service number 0333 220 2513.

 

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Who are NewDay Ltd?

Who are NewDay Ltd?

NewDay Ltd operate the Evans Card on behalf of Evans.

What if I have a query about my Evans Card?

What if I have a query about my Evans Card?

Queries regarding your account should be directed to NewDay Ltd who operate the Evans Card on behalf of Evans. NewDay Ltd Customer Services can be contacted on 0333 220 2513, or for Evans MasterCard queries on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What should I do if I do not receive my Evans Card?

What should I do if I do not receive my Evans Card?

If you do not receive your Evans Card within 10 working days of a successful application, you should make NewDay aware by calling Card Services on 0333 220 2514.

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Can I change my personal details?

Can I change my personal details?

If you need to change your personal details you should call Evans Card Services on 0333 220 2513, or for Evans MasterCard on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

If you wish to make a change to your name you must write to NewDay providing a copy of a document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: NewDay Ltd, Customer Services Department, and PO BOX 700, Leeds LS99 2BD.

How do I report my Card lost or stolen?

How do I report my Card lost or stolen?

If your card is lost or stolen, you should report this to NewDay immediately by calling Evans Card Services on 0333 220 2513, or for Evans MasterCard on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What if I have a complaint about my Evans Card?

What if I have a complaint about my Evans Card?

If you have a complaint, please write to:

Complaints Department,

NewDay Ltd,

PO BOX 700,

Leeds

LS99 2BD

 

If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to:

The Financial Ombudsman Service

South Quay Plaza,

183 Marsh Wall,

London E14 9SR.

Telephone 0300 123 9 123. 

E-mail: enquiries@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

 

You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association’s conciliation scheme to resolve your complaint. You can write to:

The Complaints Manager,
Finance and Leasing Association,
Imperial House,
15 – 19 Kingsway,
London
WC2B 6UN.

Fax: 020 7420 9600
Email: code@fla.org.uk

Apply Now

Click here to apply for an Evans Card

FAQs

Applying for an Evans Card

Can I apply for an Evans Card?

To qualify for a Evans Card, you must: be 18 years or over, be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel), have a current UK bank account, a home or work and a mobile number, not already have a Evans Card, have a regular income.

How do I apply for an Evans Card?

How do I apply for an Evans Card?

You can either follow the easy application process online here.

Or apply for an Evans Card in store, simply just ask members of staff for details. They will register the application there and then and only takes about 15 minutes.

 

Can I apply for an additional Cardholder?

Can I apply for an additional cardholder? 

Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or other close relative, a UK resident and live at the same address as you. You will be responsible for all use of the card by the additional cardholders; they will also share your credit limit. You can request for any additional cardholders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please call Evans Card Services on 0333 220 2514. .

 

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

How do I cancel an additional Cardholder on my account?

How do I cancel an additional Cardholder on my account?

 

To cancel your additional Cardholder call Evans Card Services on 0333 220 2513, or for Evans MasterCard on 0333 220 2514. 

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Please ensure that you cut the additional Cardholder’s Card into two pieces as you will remain responsible for the Card until it is has been effectively cancelled.

 

Buy Now Pay Later

How do I qualify for Buy Now Pay Later?

How do I qualify for Buy Now Pay Later? 

Buy Now Pay Later is no longer a feature of your Evans card. If you already have a Buy Now Pay Later transaction on your Evans card, please refer to the FAQ’s detailed below

 

Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

What happens if I pay my balance in full each month via Direct Debit?

What happens if I pay my balance in full each month via Direct Debit?

• If you have an existing Direct Debit that pays your full statement balance each month, please note that this will mean that any Buy Now Pay Later Balances will also be collected. If you want to change this, please speak to our Customer Service Team on 0333 220 2514

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

How do I change my payment method or Direct Debit details?

How do I change my payment method or Direct Debit details?

• Please speak to our Customer Service Team on 0333 220 2514. You can change your Direct Debit to take the minimum amount due, the full statement balance, or you can set a specific payment each month as long as it is equal to or greater than the minimum due.

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

What happens if I do not make my minimum payment in full and on time or go over my credit limit?

What happens if I do not make my minimum payment in full and on time or go over my credit limit?

•If you do not make at least your minimum payment in full and on time or if you go over your credit limit your Buy Now Pay Later balance will be transferred to your Standard Balance. Your promotional rate will be withdrawn and you will pay the standard purchase and the balance will be included in the minimum payment calculation.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

How will Buy Now Pay Later purchases be shown on my statement?

How will Buy Now Pay Later purchases be shown on my statement?

• Your purchases will appear on your statement in the usual way. Any purchases you have made using Buy Now Pay Later will have the words ‘Buy Now Pay Later’ following the purchase details.
• A summary box showing your Buy Now Pay Later Balances and their expiry dates will be displayed at the bottom of the transactions page of your statement.

 

Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

Can I make more than one purchase using Buy Now Pay Later?

Can I make more than one purchase using Buy Now Pay Later?

•You can make as many Buy Now Pay Later purchases as you like, provided that they qualify as explained above and that you do not go over your credit limit.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

What happens if I return some of the items I bought on Buy Now Pay Later?

What happens if I return some of the items I bought on Buy Now Pay Later?

•The remaining purchases that you made using Buy Now Pay Later will continue on your Buy Now Pay Later balance.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

Do I have to make payments during the offer period?

Do I have to make payments during the offer period?

•No payments are required for your Buy Now Pay Later Balance during the offer period, however you will have to make at least the minimum payment as set out in your statement each month if you have a Standard Balance or if you have payment protection insurance on your account.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

When does the Buy Now Pay Later offer period end?

When does the Buy Now Pay Later offer period end?

•The Buy Now Pay Later period ends 3 calendar months from the purchase date. At that point, the balance will be moved to your Standard Balance and will start accruing interest at the standard purchase rate. It will also be included in your minimum payment calculation. You will be made aware of this in advance on your statement.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

What rate will I pay at the end of the Buy Now Pay Later offer period?

What rate will I pay at the end of the Buy Now Pay Later offer period?

•You will pay the standard purchase rate on any remaining balance. This rate is shown on your statement.



Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

How will PPI premiums be calculated if I have a Buy Now Pay Later balance?

How will PPI premiums be calculated if I have a Buy Now Pay Later balance?

•Your PPI premiums will be calculated on your standard balance and your Buy Now Pay Later Balance, which means both your Buy Now Pay Later Balance and your Standard Balance is protected should you need to make a claim under your payment protection insurance.

 

Representative 29.9% APR (variable)

 

Credit only available to over 18s and subject to status provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Arcadia Group Limited acts solely as a credit broker in Evans and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 004960. Registered office: Colgrave House, 70 Berners Street, London W1T 3NL.
Registered in England and Wales. Registered number: 2375111

Rates and Charges

Is there an annual fee for the Evans card?

Is there an annual fee for the Evans Card? 

No, there is no annual fee on the Evans Card.

What is the Representative APR?

What is the Representative APR? 

The Representative APR for the Evans Card is 29.9% APR variable. 

What is the estimated interest?

What is the estimated interest?

The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively. The estimated amount is based on the following assumptions: 

 

  • You only pay the minimum payment amount shown on your statement
  • Your balance doesn’t increase before your next statement date due to any more purchases, cash advances or Balance Transfers  
  • The minimum payment is applied to your account on the due date
  • The way we calculate interest doesn’t change. If any change in your interest rate has been notified to you, the estimated interest will take this change into account
  • The amount takes no account of any delayed payment promotions we may offer in the period ahead 

 

Am I charged if I miss or make a late payment?

Am I charged if I miss or make a late payment? 

A £12 charge will be applied in each of the following instances:

  • Late payment fee
  • Over credit limit fee
  • Administration fee for returned cheques or direct debits


Can I increase my credit limit?

Can I increase my credit limit?

Yes, any changes to your credit limit will depend on your personal circumstances. You can request an amount and we will then make an assessment. The limit available to our customers is regularly reassessed to ensure we have the appropriate level of credit available. As part of our commitment to lend responsibly, our lending policy ensures that our customers don’t become overburdened with credit. The assessment of the limit available to our customers is based on a combination of external bureau data and internal performance data.

 
What is the minimum credit limit/ what is my credit limit?

What is the minimum credit limit/ what is my credit limit?

The minimum credit limit you will receive with your Evans Card is £150. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. You can find your credit limit on your statement.

Can I request a lower credit limit?

Can I request a lower credit limit? 

 

Yes, call Evans Card Services on 0333 220 2513, or for Evans MasterCard on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account. To reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance.

 

 

What should I do if I don't recognise a transaction on my account?

What should I do if I don't recognise a transaction on my account?

 

Please contact Evans Card Services straightaway on 0333 220 2513, or for MasterCard on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

 

How much will I have to pay into my account each month?

How much will I have to pay into my account each month?

The minimum payment will be the sum of:

  1. The amount of any interest, and Default Fees charged to your Account in the current Statement Period plus 
  2. 1% of the Standard Balance shown on your statement plus
  3. The amount of any arrears, which are immediately repayable;  subject to this being a minimum of £5. If the total of your Standard Balance is less than £5, then the minimum payment due will be the total outstanding balance. Any overlimit amount is immediately repayable. Any amounts on your Buy Now Pay Later Balance will not be included in your minimum payment.
How are payments applied to my account?

How are payments applied to my account? 

If you do not pay the Standard Balance in full in any month, we will apply your payment to  (i) Transactions and Promotional Transactions (ii) any Account fee charged in connection with a Transaction or Promotional Transaction, (iii) other Account fees and to (iv) any Default Fees which are shown on your statement as follows:

 

  1. It will be allocated to the different amounts of your outstanding statemented Standard Balance that are charged at higher interest rates before those that are charged at lower interest rates.
  2. If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Promotional Transactions, Purchases and other Transactions. If you have more than one Promotional Transaction at the same rate, your payment will be applied first to the Promotional Transaction that has the earliest Promotional Period start date.
  3. If you pay more than the Standard Balance shown on your statement in any month we will apply your payment to Transactions on your Standard Balance which are not shown on your statement before any Transactions on your Buy Now Pay Later Balance which are shown on your statement.

Where an Account fee is charged in connection with a Transaction or Promotional Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above.
We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

Why would you change my interest rate?

Why would you change my interest rate?

We may change interest rates to reflect rate moves in the market, or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase, and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

What should I do if I am facing financial difficulty?

What should I do if I am facing financial difficulty? 

If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact Evans Card Services on 0333 220 2514. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Managing an Evans account

How often will I receive my statement?

How often will I receive my statement? 

You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.

Can I change the date I recieve my statement?

Can I change the day I recieve my statement? 

Unfortunately this is not possible. 




How can I make a payment to my account?

How can I make a payment to my account? 

When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments. You can pay your account using any one of the following methods:

 

  1. By Direct Debit – You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Evans Card Services on 0333 220 2514*
  2. By Internet or Telephone Banking – You’ll need to provide your bank with our sort code 09–01–09, our account number 01000007, and your card number.. 
  3. By Telephone – Call Evans Card Services on 0333 220 2514* to pay using a debit card.
  4. By Post – Please send your payment at least seven working days(a working day is defined as Monday – Friday,

    excluding bank holidays) before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.

  5. At any bank – Please make your payment by cheque or cash at least five working days (a working day is defined as Monday – Friday, excluding bank holidays) before the payment due  date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.
  6. At any Arcadia store - Please use the payment slip from your statement to pay at any Arcadia store. You can pay by Cash or Debit Card. Payment by Cheque or Credit Card cannot be accepted. Please allow up to 5 working days (a working day is defined as Monday – Friday, excluding bank holidays) for the payment to be credited to your account.

*Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling.
Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Privacy Policy

Introduction to Privacy Policy

Introduction to Privacy & Cookies Policy

This privacy policy sets out how NewDay and the retailer, whose name appears on the front of your card (“the retailer”), will look after your personal information. We know how important this is to you, so we have described how we will use your personal information as clearly as possible so that you can decide whether you want to give your personal information to us, so that we can give you the products and services that you want.

 

In this Privacy Policy “we” or “us” refers to NewDay Ltd, its parent company NewDay Cards Ltd and any other companies in the group to which they belong (the NewDay Group). “You” refers to anyone whose personal data we hold. The “retailer group” refers to any company in the group to which the retailer belongs. The retailer credit cards are issued and administered by NewDay Limited.


We may hold information about you even if we do not offer you a card the first time that you apply to us, and we will continue to keep data about you after your account is closed. We will not hold information that is excessive, or where there is no reason to continue to hold the information.

 

We and the retailer will keep your personal data confidential and secure and give it to others only for the purposes explained in this Privacy Policy.

 

All our employees and those of the retailer are personally responsible for keeping your personal information confidential. We provide training to all employees to remind them about their obligations.


We may change this Privacy Policy from time to time and we will put any updates on our website.

Where we obtain your information

Where we obtain your information

We get information about you from a number of sources. For example, information that:
• You give us when you apply to us
• The retailer gives to us
• You give to us in emails, letters, during phone calls, when registering for services or in any other way; we may keep any phone number you call us from and details about the IP address, operating system and browser that you use
• You give when you participate in customer surveys, promotions or competitions
• We or the retailer already holds about you
• We receive when making a decision about your application or account, including information we receive from enquiries and searches made at credit reference and fraud prevention agencies, from our business partners, from publicly available sources, or anyone else who is allowed to give us information about you
• We have about your account with us including details of transactions and payments
• From insurers or other firms who provide services to you

Information we hold

Information we hold

We are the data controller and we will hold and use the following personal information about you, the retailer may also hold this information:
• Personal information such as your name, address, phone numbers, email address, date of birth, employment, banking and financial details
• Demographic and lifestyle information
• Details of your accounts and any products and how you use them
• Details of when we contact you and when you contact us
• Details of any authorised users on your account
• Information we receive when making a decision about you, which may include information about other credit products that you have
• Details of other services you have through us or insurance


We may also hold any other information we reasonably need to operate your account, make decisions about you, or fulfil our regulatory obligations.


We may keep details of any phone number that you call us from and use it to contact you.


When we are managing your account we [and the retailer] may be given sensitive information, such as information about your health or medical information, which we may hold and process to provide you with the services that you require.

Information we disclose

Information we disclose

We will keep your information confidential and only share it with others [including the retailer] for the purposes explained below and elsewhere in this policy. We [and the retailer] have trusted relationships with carefully selected third parties who carry out services on our behalf. All these third parties have a contract with us and have agreed to keep your personal information confidential and secure, only using it for the purposes that we allow.

We and the retailer may share information about you with the following people and organisations to:

Operate your account and provide services
• any person working for a company within the NewDay Group or the retailer group
• any firm, organisation or person that we use to help us to operate our business, to provide services, to collect payments and to recover debts
• any firm organisation or person together with whom we provide products and services
• any payment system we may use
• any firm, that provides analytical, market research or similar services to us
• any insurers with whom you have any policy related to your credit card

 

Manage your account
• any person who has told us that they are, and who we reasonably believe to be, your close relative, carer or helper, where you are unable to handle your own affairs because of mental capacity, ill health or other similar issues
• any additional cardholder on your account

 

Prevent crime and terrorism
• Certain authorities in order to detect and prevent terrorism (including authorities outside the UK)
• Regulators, including the OFT and the FCA, ombudsmen and other authorities including tax authorities, (including those overseas), where we are requested by them to do so
Credit Reference Agencies and Insurance
• Credit reference agencies and fraud prevention agencies or any similar
• We will exchange information about you and your Account with the insurer who provides the product that you have chosen, so that they may administer your policy

 

Business Transfers
• We may in the future wish to sell, transfer or merge part or all of our business or assets, or any associated rights or interests, or to acquire another business. If we do so, we may disclose your personal information to a potential buyer, transferee, merger partner or seller and their advisers with whom we are in talks, so long as they agree to keep your information confidential and to use it only in relation to possible transactions. If the transaction goes ahead, the purchaser, transferee or merger partner may use your personal information in the same way as set out in this notice
• We may sell your debt to a third party, but if we do, we will require them to keep your personal information secure

How we use your information

How we use your information

We will use your information to:
• search credit reference agencies and fraud prevention agencies
• make, or assist in making, credit decisions about you, assess lending risks and to check the details that you have let us and others have
• operate and manage your account and manage any application, agreement or correspondence you may have with us and to conduct financial reviews
• perform other administrative and operational purposes including the testing of systems
• monitor and analyse our business, including to carry out customer modelling and statistical, trend and transactional analysis
• form a view of you as an individual and to identify, develop or improve products that may be of interest to you and to carry out market research
• provide you with products and services and tell you about changes to these products and services
• contact you by email, SMS, post or phone or in any other way about our products and services unless you tell us that you prefer not to receive marketing
• carry out audits
• trace your whereabouts
• recover any debt you owe us
• provide information to independent external bodies such as government departments and agencies, universities and similar to carry out research
• comply with our regulatory obligations and to identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes


Your data may also be used for other purposes for which you give your permission, or where we are permitted to do so by law, or it is in the public interest to disclose the information, or is otherwise permitted under the terms of the Data Protection Act 1998.

Security

Security

We know how important it is to keep your personal information secure. We protect that information using strong encryption when data is both being transferred and when at rest. Access to data is strictly controlled. We use firewalls and other security measures to protect our servers and networks from external attack. Our security systems meet or exceed industry standards.

Using companies to process your information outside the UK

Using companies to process your information outside the UK

We may transfer your personal information so that we can run your account and provide other services from:
• countries within the EEA (where the same data protection standards apply as in the UK)
• countries outside the EEA; if we do so, we will require that your personal information is handled and protected to at least EEA standards


We may process payments through other financial institutions such as banks and the worldwide payments system operated by the SWIFT organisation. These external organisations may process and store your personal information abroad and may have to disclose it to overseas authorities to help them to fight against crime and terrorism. If these authorities are outside the EEA, your personal information may not be protected to the same EEA standards.

Using credit scoring

Using credit scoring

Using credit scoring helps us to lend responsibly.


When you apply to us for credit, we may use an automated system known as credit scoring to help us decide whether to lend to you. It is a way of assessing how much you are able to afford to borrow and how you are likely to manage your account. Most lenders use credit scoring to help make fair and informed decisions about lending.
Credit scoring takes account of information from three sources – the information you give us on your application, information provided by credit reference agencies and fraud prevention agencies. This includes information about how you manage similar accounts and information that may already be held about you by the NewDay Group. Credit scoring methods are regularly reviewed to ensure they remain fair, effective and unbiased.

How we check your identity

How we check your identity

As well as searching credit reference agencies, we may ask you to provide physical forms of identity when you apply for a credit card.

Declined applications

Declined applications
If you apply to us but we are unable to offer you a credit card you can contact us within 21 days to ask to have the decision reconsidered.


We will keep your data for statistical analysis, fraud prevention and credit scoring purposes. We may also contact you by post, email, SMS or phone about our products and services.

Incomplete Applications

Incomplete Applications
If you begin an application with us but this application is not completed, we will not retain any of your data.

Access to your information

Access to your information
Under the Data Protection Act 1998 you have a right to access certain personal records that we hold about you. This is called a ‘Data Subject Access Request’ and you can make a request by writing to Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 2BD. A fee is payable.


We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove any data that you think is no longer up to date.
You have a right under the Consumer Credit Act 1974, to request credit reference agencies to provide you with information that they hold about you. A fee is payable

Contact from NewDay Group and retailer group

Contact from NewDay Group and retailer group
As part of the application process we ask whether we may contact you about our products and services. If you ticked ‘yes’, but no longer wish to receive such communications, please let us know by writing to Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 28D


We want to make sure that we provide excellent customer service and we use various means of communication to do this, including phone, post, email and SMS.


We or the retailer may contact you about services related to your credit card that we, or other companies outside the NewDay Group, may be able to provide you and which we think may be of interest to you, or may benefit you financially. We promise not to contact you about everything – only if we think that it could be appropriate and relevant to you.

 

We will not send you marketing communications if you ask us not to and we will not provide information about you to companies outside the NewDay Group to use for their own marketing purposes.


If you do not want to receive marketing from us, please write to Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 2BD

Recording phone calls

Recording phone calls
We may monitor or record phone calls;
• to check that we have carried out your instructions correctly
• to resolve queries or issues, for regulatory purposes
• to help improve the quality of our service
• to help detect or prevent fraud or other crimes
Conversations may also be monitored for staff training purposes.

Social networking sites

Social networking sites
As part of our commitment to understand our customers better, we may research comments and opinions made public on social networking sites, such as Twitter and Facebook.

A Guide to the use of your personal data

A Guide to the use of your personal data


A Guide to the use of your personal data by Credit Reference and Fraud Prevention Agencies, NewDay Ltd and the NewDay Group
Please read this section very carefully.

 

What we do
1. When you apply to us to open an account, we will:
a. Check our own records for information on:
i. any account you and, if you have one, your ‘financial associate’ may have or have had with us. A ‘financial associate’ is someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or business relationships. Credit reference agencies may link together the records of people that are part of a financial unit. They may do this when people are known to be linked, such as being married, or have jointly applied for credit or have joint accounts. They may also link people together if they, themselves, state that they are financially linked.
b. Search at credit reference agencies for information on:
i. your personal accounts
ii. and, if you have ever previously made joint applications or have joint accounts that are financially linked, we will check your financial associates’ personal accounts as well
iii. very occasionally if there is insufficient information to enable us to assist you, we may also use information about other members of your family
iv. if you are a director or partner in a small business, we may also check your business accounts
c. Search at fraud prevention agencies for information on you and any addresses at which you have lived, and on your business (if you have one)

 

2. What we do with the information you supply to us as part of the application:
a. Information that is supplied to us will be sent to the credit reference agencies
b. If you are making a joint application or tell us that you have a spouse or financial associate, we will:
i. search, link and/or record information at credit reference agencies about you both
ii. link any individual identified as your financial associate, in our own records
iii. take both your and their information into account in future applications made by either or both of you
iv. continue this linking until the account closes and one of you notifies us that you are no longer linked
So you must be sure that you have their agreement to disclose information about them.
c. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.
d. Your data may also be used by us to offer you other products, but only if you have given your permission. That will be on any application that you have completed.

 

3. With the information we obtain we will:
a. Assess this application for credit
b. Check details on applications for credit and credit related or other facilities
c. Verify your identity and the identity of your spouse, partner or other directors/partners (if any)
d. Undertake checks for the prevention and detection of crime, fraud and/or money laundering
e. use scoring methods to assess this application and to verify your identity

 

4. What we do when you have an account:
a. Where you borrow or may borrow from us, we will give details of your personal and/or business account (if you have one), including names and parties to the account, and how you manage it/them to credit reference agencies.
b. If you borrow and do not repay in full and on time, we will tell credit reference agencies.
c. We may make periodic searches of our own group records and at credit reference agencies to manage your account with us, including whether to make credit available, increase the amount of credit available or to continue or extend existing credit. We may also check at fraud prevention agencies to prevent or detect fraud.

 

What credit reference and fraud prevention agencies do
5. When credit reference agencies receive a search from us they will:
a. Place a search “footprint” on your credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
b. Link together the records of you and anyone that you have advised is your financial associate including previous and subsequent names of parties to the account. Links between financial associates will remain on your and their files until such time as you or your partner successfully file(s) for a disassociation with the credit reference agencies. Financial associates may “break the link” between them if their circumstances change such that they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a “disassociation”.


6. They will supply to us:
a. Credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you) and/or your business accounts (if you have one)
b. Public information such as County Court Judgements (CCJs) and bankruptcies
c. Electoral Register information
d. Fraud prevention information


7. When information is supplied by us, to them, on your account(s):
a. Credit reference agencies will record the details that are supplied on your personal and/or business account (if you have one) including any previous and subsequent names that have been used by the account holders and how you/they manage it/them
b. If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt
c. Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted


8. How your data will NOT be used by credit reference agencies:
a. It will not be used to create a blacklist
b. It will not be used by the credit reference agency to make a decision


9. How your data WILL be used by credit reference agencies:
a. The information which we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to:
i. prevent crime, fraud and money laundering by, for example, checking details provided on applications for credit and credit-related or other facilities
ii. check the operation of credit and credit-related accounts
iii. verify your identity if you or your financial associate applies for other facilities
iv. make decisions on credit and credit-related services about you, your partner, other members of your household or your business
v. manage your personal, your partner’s and/or business (if you have one) credit, credit-related account or other facilities
vi. trace your whereabouts and recover debts that you owe
vii. undertake statistical analysis and system testing


10. How your data may be used by fraud prevention agencies:
a. The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to prevent crime, fraud and money laundering by, for example;
i. checking details provided on applications for credit and credit-related or other facilities
ii. managing credit and credit-related accounts or facilities
iii. cross checking details provided on proposals and claims for all types of insurance
iv. checking details on applications for jobs or when checked as part of employment
b. Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims
c. Trace your whereabouts and recover debts that you owe
d. Conduct other checks to prevent or detect fraud
e. We, and other organisations, may access and use from other countries the information recorded by fraud prevention agencies
f. Undertake statistical analysis and system testing


11. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.


12. Your data may also be used to offer you other products, but only where permitted.

 

 

 

 

 

How to find out more about the NewDay Privacy & Cookies Policy

How to find out more about the NewDay Privacy & Cookies Policy

  • You can contact the CRAs currently operating in the UK. The information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
  • CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
    Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
  • Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk
    If you want to receive details of the relevant fraud prevention agencies. Please contact us at Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 2BD
Privacy Policy Questions and Answers

Privacy Policy Questions and Answers

 

Q: What is a credit reference agency?
Credit reference agencies (CRAs) collect and maintain information on consumers’ and businesses’ credit behaviour, on behalf of organisations in the UK.

 

Q: What is a fraud prevention agency?
Fraud preventionaAgencies (FPAs) collect, maintain and share information on known and suspected fraudulent activity. Some CRAs also act as FPAs.

 

Q: Why do you use them when I have applied to your organisation?
Although you have applied to us and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.

 

Q: Where do they get the information?
From publicly available information:

  • The Electoral Register from Local Authorities
  • County Court Judgements from Registry Trust
  • Bankruptcy (and other similar orders) from the Insolvency Service
  • Fraud information may also come from fraud prevention agencies
  • Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts

Q: Why is my data used in this way?
We and other organisations want to make the best possible decisions, in order to make sure that you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.

 

Q: Who controls what such agencies are allowed to do with my data?
All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Information Commissioner’s Office. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.

 

Q: Can just anyone look at my data held at credit reference agencies?
No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.

Cookie Policy

Introduction to Cookies Policy

Introduction to Privacy & Cookies Policy

This privacy policy sets out how NewDay and the retailer, whose name appears on the front of your card (“the retailer”), will look after your personal information. We know how important this is to you, so we have described how we will use your personal information as clearly as possible so that you can decide whether you want to give your personal information to us, so that we can give you the products and services that you want.

 

In this Privacy Policy “we” or “us” refers to NewDay Ltd, its parent company NewDay Cards Ltd and any other companies in the group to which they belong (the NewDay Group). “You” refers to anyone whose personal data we hold. The “retailer group” refers to any company in the group to which the retailer belongs. The retailer credit cards are issued and administered by NewDay Limited.


We may hold information about you even if we do not offer you a card the first time that you apply to us, and we will continue to keep data about you after your account is closed. We will not hold information that is excessive, or where there is no reason to continue to hold the information.

 

We and the retailer will keep your personal data confidential and secure and give it to others only for the purposes explained in this Privacy Policy.

 

All our employees and those of the retailer are personally responsible for keeping your personal information confidential. We provide training to all employees to remind them about their obligations.

 

We may change this Privacy Policy from time to time and we will put any updates on our website.

Protecting and managing your online privacy

Protecting and managing your online privacy
NewDay Ltd is committed to protecting you and any data (anonymous or otherwise that we collect about you online). This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage the cookies stored on your device. We call it our “Cookies Policy”.


By using our websites (through any device) you agree that this Cookies Policy applies in addition to any other terms and conditions.


We reserve the right to make changes to our Cookies Policy. Any such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

What is a cookie?

What is a cookie?
Cookies are files containing small amounts of information which are downloaded to the device you use whenever you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience.


There are different types of cookies. They all work in the same way but have minor differences:

 

Session cookies
Session cookies last only for the duration of your visit and are deleted when you close your browser. These facilitate various tasks, such as allowing a website to identify that a user of a particular device is navigating from page to page, for supporting website security, or basic functionality.


Many of the cookies we use are session cookies. For example, they help us to ensure the security of your online account servicing session and can also keep you signed in while you move between pages or service your account.


Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.

 

Persistent cookies
Persistent cookies last after you have closed your browser and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.


NewDay Ltd uses persistent cookies in a few ways, for example, to remember your username for log in so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site, so we can improve the Internet Banking service.

 

First and third party cookies
Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by, or on behalf of, the website visited. All other cookies are third party cookies. We use both first party and third party cookies.

 

Strictly necessary cookies
These cookies are essential in order to enable you to move around the website, use its features, and ensure the security of your online banking experience. Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don’t gather information about you for the purposes of marketing.

 

Performance cookies
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise advertising.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings

 

Functionality cookies
These cookies allow the website to remember choices you make (such as your username). They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

 

Targeting cookies
These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted advertising more relevant to you and your interests. This type of advertising is called online behavioural advertising and those companies providing this advertising are working with the UK’s Internet Advertising Bureau to deliver more information to consumers. To highlight this information, publishers of advertising will, in the future, look to place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Youronlinechoices where there is more help and guidance. In addition, NewDay seeks to only use advertising networks which are signed up to the IASH code of conduct for the placement of adverts. This code requires members to have their processes audited by a third party to ensure compliance. For more information on IASH please visit www.iash.org.uk.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

What if I don’t want to accept cookies?

What if I don’t want to accept cookies?

If you wish to restrict or block the cookies which are set by any website, including NewDay websites, you should do this through the browser settings for each browser you use and on each device you use to access the internet.


Please be aware that some of our services, for example Internet Banking, will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your internet browser.


You may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers.

Cookie Policy

Introduction to Cookies Policy

Introduction to Privacy & Cookies Policy

This privacy policy sets out how NewDay and the retailer, whose name appears on the front of your card (“the retailer”), will look after your personal information. We know how important this is to you, so we have described how we will use your personal information as clearly as possible so that you can decide whether you want to give your personal information to us, so that we can give you the products and services that you want.

 

In this Privacy Policy “we” or “us” refers to NewDay Ltd, its parent company NewDay Cards Ltd and any other companies in the group to which they belong (the NewDay Group). “You” refers to anyone whose personal data we hold. The “retailer group” refers to any company in the group to which the retailer belongs. The retailer credit cards are issued and administered by NewDay Limited.


We may hold information about you even if we do not offer you a card the first time that you apply to us, and we will continue to keep data about you after your account is closed. We will not hold information that is excessive, or where there is no reason to continue to hold the information.

 

We and the retailer will keep your personal data confidential and secure and give it to others only for the purposes explained in this Privacy Policy.

 

All our employees and those of the retailer are personally responsible for keeping your personal information confidential. We provide training to all employees to remind them about their obligations.

 

We may change this Privacy Policy from time to time and we will put any updates on our website.

Protecting and managing your online privacy

Protecting and managing your online privacy
NewDay Ltd is committed to protecting you and any data (anonymous or otherwise that we collect about you online). This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage the cookies stored on your device. We call it our “Cookies Policy”.


By using our websites (through any device) you agree that this Cookies Policy applies in addition to any other terms and conditions.


We reserve the right to make changes to our Cookies Policy. Any such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

What is a cookie?

What is a cookie?
Cookies are files containing small amounts of information which are downloaded to the device you use whenever you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience.


There are different types of cookies. They all work in the same way but have minor differences:

 

Session cookies
Session cookies last only for the duration of your visit and are deleted when you close your browser. These facilitate various tasks, such as allowing a website to identify that a user of a particular device is navigating from page to page, for supporting website security, or basic functionality.


Many of the cookies we use are session cookies. For example, they help us to ensure the security of your online account servicing session and can also keep you signed in while you move between pages or service your account.


Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.

 

Persistent cookies
Persistent cookies last after you have closed your browser and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.


NewDay Ltd uses persistent cookies in a few ways, for example, to remember your username for log in so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site, so we can improve the Internet Banking service.

 

First and third party cookies
Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by, or on behalf of, the website visited. All other cookies are third party cookies. We use both first party and third party cookies.

 

Strictly necessary cookies
These cookies are essential in order to enable you to move around the website, use its features, and ensure the security of your online banking experience. Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don’t gather information about you for the purposes of marketing.

 

Performance cookies
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise advertising.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings

 

Functionality cookies
These cookies allow the website to remember choices you make (such as your username). They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

 

Targeting cookies
These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted advertising more relevant to you and your interests. This type of advertising is called online behavioural advertising and those companies providing this advertising are working with the UK’s Internet Advertising Bureau to deliver more information to consumers. To highlight this information, publishers of advertising will, in the future, look to place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Youronlinechoices where there is more help and guidance. In addition, NewDay seeks to only use advertising networks which are signed up to the IASH code of conduct for the placement of adverts. This code requires members to have their processes audited by a third party to ensure compliance. For more information on IASH please visit www.iash.org.uk.
By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

What if I don’t want to accept cookies?

What if I don’t want to accept cookies?

If you wish to restrict or block the cookies which are set by any website, including NewDay websites, you should do this through the browser settings for each browser you use and on each device you use to access the internet.


Please be aware that some of our services, for example Internet Banking, will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your internet browser.


You may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers.