The Harvey Nichols Card is provided by GE Capital Bank Limited, trading as GE Money, a company registered in England No:1456283 with a Registered Office of 6 Agar Street London WC2N 4HR, and is licenced by the Office of Fair Trading (Consumer Credit Licence Number:154771); authorised by the Financial Services Authority (Authorisation Number 204572); is registered with the Office of the Information Commissioner (Data Protection Register Entry Number Z5750586). (Further details are available at http://www.oft.gov.uk/ and http://www.fsa.gov.uk/)

GE Capital Bank Limited is a member of the Finance and Leasing Association, Imperial House, 15—19 Kingsway, London WC2B 6UN

With your interests in mind, GE Money subscribes to the Banking Code which sets standards of good banking practice for financial institutions to follow. Compliance with the Code is monitored by the Banking Code Standards Board. If you would like a copy of the Code, please contact us or alternatively you can find a copy on the Banking Code website at www.bcsb.co.uk.

CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
Between:
Us, GE Capital Bank Limited, Capital House 2, Bruntcliffe Way, Morley, Leeds, LS27 0JG and You. In Condition 1 of the Additional Conditions (set out in the Customer Copy) we list particular meanings we have given to some words in this Agreement.

KEY FINANCIAL INFORMATION
We will set your Credit Limit and may change it from time to time. We will tell you your Credit Limit in writing.
The minimum monthly payment is the greater of £4 or 4% of the outstanding balance on the Account unless that balance is under £4, in which case you must pay the whole of that balance. We exclude Buy Now Pay Later Transactions not yet due for payment when we work out the minimum payment. We will send you statements showing the date for payment. This will usually be 25 days after the statement date. (See also Condition 6 for details of Interest and Payments.)
The APR for your Agreement will be advised if you are accepted for a Harvey Nichols card.

Back to top

OTHER FINANCIAL INFORMATION
We will charge an introductory rate of 0% per annum for six months on any Balance Transfers made in the first 60 days after you sign this Agreement. Apart from this introductory offer, the following standard rates will apply:
<> % p.a. for Cash Transactions; and
<> % p.a. for Retail Purchases and all other amounts charged to your Account except Special
Transactions made after this Agreement is entered into and secondly from 15th August 2008 the default charges referred to in the four bullet points under "Key Information" below. We will not be charging interest on these default charges. Special Transactions will be at a rate we tell you before you make the Transaction.
The relevant standard rate will apply to all Special Transactions after the end of the promotional period or if you break this Agreement (see Condition 6.3).

If you use your Card for a Retail Purchase of £1,500 and then repay it in 12 equal monthly instalments the total charge for credit would be interest of £ <>.

We can vary the interest rates and any charges we make now or in the future under Condition 13. The APR does not take these variations into account.

We work out interest on Retail Purchases (excluding purchases on which no interest is payable) on a daily basis from the date of the purchase. If you did not pay off your previous outstanding balance in full by your previous payment due date, we work out the interest that accrues between the purchase date and the first statement date and add it to your Account on the first statement date. However, if you did pay off your previous outstanding balance in full by your previous payment due date, we defer all interest that accrues between the purchase date and the first statement date and deal with it as follows:

• If you pay your outstanding balance in full by the payment due date, we waive the deferred interest and do not add it to your Account.
• If you do not pay your outstanding balance in full by the payment due date, we add the deferred interest to your Account at your next statement date.

We charge interest on all other Transactions (excluding Transactions on which no interest is payable) from the Transaction date and on all other amounts from the date they are added to the Account. We charge interest on interest that has been added to your Account.

We will apply payments into the Account in the following order:
a) first, in payment of any insurance premiums, interest, charges or fees (in that order);
b) next in repayment of any Balance Transfers and Retail Purchases (excluding Buy Now Pay Later transactions) on which either no interest is being charged or interest is charged at an introductory or preferential rate (those with the lower rates being paid before those with higher rates and in the order in which they were debited to the Account);
c) next in repayment of Balance Transfers (excluding those included in b) above);
d) then in repayment of Retail Purchases (excluding those included in b) above) and Cash Transactions (those with lower rates being paid before those with higher rates and in the order in which they were debited to the Account);
e) finally, in repayment of any Buy Now Pay Later Transactions in the order in which they were debited to the Account.

If Special Transactions are repaid in a different order, we will tell you before you make the Special Transaction. In all cases we apply payments against items that have been shown in a statement before items that have been put on the Account but not yet shown in a statement.
Back to top

KEY INFORMATION
We may make the following charges for administering your Account:

• £12 if the minimum monthly payment does not reach us before the payment due date;
• £12 each time a cheque, Direct Debit or other payment request is not paid when first presented to, or is recalled by, the relevant financial institution;
• £12 each time that you exceed the Credit Limit or Cash Limit;
• £25 if you do not inform us of a change of your details in accordance with Condition 8 and we have to trace you.

You must pay the amount of any other losses and reasonable costs, which we incur, as a result of your breach of this Agreement. These may include but not be limited to, costs associated with notifying you of the breach, communicating with you about the breach and enforcing payment of any amount due under the Agreement. We may charge for Cash Transactions, Balance Transfers and Transactions made in a currency other than Sterling.

These and other charges are set out in Condition 2.

This Agreement is not cancellable under the Consumer Credit Act 1974 or the Financial Services (Distance Marketing) Regulations 2004.

Back to top


MISSING PAYMENTS
Missing payments could have severe consequences and impact your credit rating.

Back to top

THEFT, LOSS OR MISUSE OF CARD
If your Card is lost, stolen or misused by someone without your permission, you may have to pay up to £50 of any loss to us. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable to us for losses which take place after you have told us about the theft, etc. as long as you confirm this in writing within seven days.

IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS
The Consumer Credit Act 1974 lays down certain requirements for your protection which should be complied with when this Agreement is made. If they are not, we cannot enforce this Agreement without getting a court order. The Act also gives you a number of rights:

1. You can settle this Agreement at any time by giving notice in writing and paying off the amount you owe under the Agreement.
2. If you received unsatisfactory goods or services paid for under this Agreement , apart from any bought with a cash loan, you may have a right to sue the supplier, us or both.
3. If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.
If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens Advice Bureau.

Please note that if you are sent these Conditions with a replacement card, the credit limit, interest rate and charges will be the current terms that apply to your Account but the statutory information we are required to include when agreements are made (i.e. the APR and information about total interest) are based on assumptions we have to make and will not be relevant to you.


Back to top

ADDITIONAL CONDITIONS

1. DEFINITIONS
In these conditions some words have particular meanings. These are set out below:
“ Account” means the Account opened by us in your name that records the amount you owe us under this Agreement.
“ Agreement” means this Agreement signed by you as varied from time to time.
“ Balance Transfer” means the transfer to the Account of an amount you owe another lender in the United Kingdom.
“ Buy Now Pay Later Transaction” means a Transaction with a Promotional Period during which (a) we do not charge interest and (b) you do not need to make any payments.
“ Card” means any card issued by us for use in connection with the Account.
“ Cash Limit” means the maximum amount we allow you to borrow at any time for Cash Transactions.
“ Cash Transaction” means a cash loan we make when: (a) you ask us to transfer cash directly into another bank (including deposit or savings) account nominated by you; (b) you use the Card or the Card number to obtain foreign currency, travellers cheques and/or money orders or cash from a cash machine (or ATM) or over the counter at a bank or other cash provider or from point of sale at the Main Supplier or members of the retailer group; (c) you use a Convenience Cheque to make a payment to a third party; or (d) you use your Card for Gambling.
“ Convenience Cheque” means a cheque we may give you to use for making payments to others on the Account.
“ Credit Limit” means the maximum amount we allow you to borrow on the Account at any time.
“ CRA” means a credit reference agency.
“ FPA” means a fraud prevention agency.
“ Gambling” means a transaction that we recognise as having been made at an establishment, or on an internet website, where gambling activities are carried out (including internet gambling and the purchase of lottery tickets) whether or not the purpose of that transaction is a gambling activity.
“ GE Group” means General Electric Capital Corporation (USA) and any subsidiary, or other company, which is associated or affiliated with it or any such subsidiary in any country, including GE Capital Bank Limited.
“ Low Interest Option Transaction” means a Transaction we charge interest on at a preferential rate, which we specify before you make the Transaction, for a Promotional Period.
“ Main Supplier” means the retailer or person (if any) named on the face of the Card.
“ Optional Interest Transaction” means a Transaction which we do not charge interest on for a Promotional Period.
“ Personal Information” means the information we obtain about you in connection with this Agreement, and any other agreement you have with us, from you, from running your accounts and making offers to you, from enquiries we make about you and from other organisations. Examples of Personal Information include information (1) from application forms; (2) based on the Transactions you and any additional cardholders carry out (which may include the details of any purchases you make); (3) about how you meet your obligations under this Agreement or other agreements you have with us or other GE Group companies; and (4) from CRAs and FPAs.
“ PIN” means any personal identification number for use with the Card.
“ Promotional Period” means the period in which you make a Special Transaction during which preferential terms will apply.
“ Retail Purchase” means a purchase of goods or services from a Supplier using a Card or Card number.
“ Special Transaction” means a Buy Now Pay Later Transaction, Low Interest Option Transaction or an Optional Interest Transaction.
“ Supplier” means any person or company, which accepts the Card (or Card number) as payment.
“ Transaction” means a Balance Transfer, Cash Transaction, Retail Purchase or Special Transaction.

Back to top

2. THE CARD AND THE ACCOUNT
2.1 We will put on the Account all Transactions and all other amounts you have to pay us under this Agreement.
2.2 The amount you owe us will be reduced by all cleared payments made into the Account and any refund due to you from us or from a Supplier who has sent us a properly completed refund voucher for a Transaction.
2.3 You may use the Card and the Account for Retail Purchases and to withdraw cash from any cash machine (or ATM) displaying the MasterCard logo. If we tell you that you can, you may also use the Account for other types of Cash Transactions (such as purchases with Convenience Cheques), Balance Transfers and Special Transactions. If you use the Account to make a Balance Transfer you should continue to make any payments due to the other lender both before and after the Balance Transfer has been made. If we send you Convenience Cheques you can only use them to make payments in Sterling and you cannot use them to make payments to us. If we tell you that you can use the Account for Balance Transfers or Convenience Cheques, we will also tell you at the same time what fees and/or interest rates are payable in relation to those Transactions.
2.4 If you use the Card (or Card number) to obtain cash, we charge a fee of 3% (minimum £3.00) on the amount of each Cash Transaction. If Convenience Cheques or Balance Transfers are available on your Account we will tell you the fee for using them when we send the cheques to you or you request the transfer.
2.5 Where any Transaction is made in a currency other than Sterling it will be converted to Sterling at the rate of exchange set by the relevant payment scheme for the date the Transaction is processed. This may not be the same as the exchange rate on the Transaction date. We will also charge a foreign currency conversion fee of 2.75% of the Sterling amount charged to your Account.
2.6 You must not go over your Credit Limit or your Cash Limit (if any) at any time. If you do go over either limit you must pay us the excess immediately. We will automatically reduce your Credit Limit to £250 if you do not use your Card for at least 13 months in a row. If you start reusing your Card, you can ask us to consider setting a higher limit but we will have to carry out a credit search. When a Supplier asks us to authorise a Transaction, we take other Transactions we have authorised into account when working out whether you have gone over your Credit Limit or Cash Limit.
2.7 If you use the Account to purchase optional payment protection insurance provided through us, the premiums (which can be varied) will be calculated each month as a percentage of the monthly statement balance.
2.8 If your Card has a payment scheme logo on it, it can be used at all Suppliers and cash machines displaying that logo. Cards without a payment scheme logo will normally be accepted by the Main Supplier only.
2.9 If we give you a Card without a payment scheme logo to begin with, we may replace it in the future with a Card with a payment scheme logo, unless you ask us not to. We may provide a Card which displays a different payment scheme logo or another logo associated with a payment scheme as a replacement Card as long as we reasonably think you will get the same or better service with that Card.
2.10 A Supplier may require you to pay a percentage of the purchase price of goods or services before you make a Special Transaction.
2.11 We will charge you £3 for each copy statement you request from us.

Back to top

3. CARD AND PIN SECURITY
3.1 You (and each additional cardholder) must:

• make sure each Card is signed as soon as it is received by the named cardholder;
• take reasonable steps to make sure that Cards and any Convenience Cheques are kept safe and do not allow anyone else to use them;
• not use the Card for any illegal purpose;
• not tell anyone your PIN (if you have one) but must keep it secure, even when entering it on a keypad to authorise a Transaction.
3.2 Cards and Convenience Cheques belong to us. You must not damage or deface them or interfere with any chip in a Card at anytime, except that Cards which have been cancelled or withdrawn or have expired must be destroyed by cutting them into several pieces. We can recall or replace Cards and/or Convenience Cheques or change the Card or Account numbers at any time.
3.3 If a Card or Convenience Cheque is lost or stolen or a Card or PIN is liable to misuse you must immediately telephone us on 0871 522 5701. (Calls may be recorded and monitored. Calls cost 10p per minute plus network extras). If we ask, you must also write to us within 7 days at GE Capital Bank Limited, Customer Services Department, P.O. Box 700, Leeds LS99 2BD.
3.4 You will not have to pay for any unauthorised use of a Card, PIN or Convenience Cheque after you have told us that it has been lost or stolen or you think that it may be misused but you may have to pay us up to £50 for unauthorised use before then and for all use if you or an additional cardholder have acted fraudulently or were responsible for the misuse, for example by allowing someone else to have the Card. You will not be liable for any unauthorised use of the Card by someone other than you or an additional cardholder for a Retail Purchase by post, telephone or internet.

Back to top

4. ADDITIONAL CARDS
You may ask us in writing to issue a Card and PIN to another person as long as they are eligible for one. You will be responsible for all use of the Card by the additional cardholder (including any use which makes you break this Agreement). You can ask us to cancel an additional Card at any time but you will remain responsible for it until it is returned to us or you have given us notice under Condition 3.3.

Back to top

5. OUR RIGHT TO LIMIT YOUR USE OF THE ACCOUNT
If you have broken this Agreement or we have another good reason for doing so (such as suspected fraud), we may, without warning, suspend your right to use the Card or the Account.

Back to top

6. INTEREST AND PAYMENTS
6.1 You must make at least the minimum payment each month. If you pay us more than you owe us, we will not pay interest on the credit we hold for you but it will reduce the amount you have to pay us in the next month.
6.2 We may at any time waive the whole or any part of any interest in respect of any amount charged to the Account. Occasionally we may also tell you that you can take a payment holiday. If you do so, we will continue to charge interest on the full balance of the Account as normal.
6.3 If you go over the Credit Limit in any month or fail to keep up-to-date with your payments (including paying at least the minimum payment) or if you regularly or seriously break this Agreement, we may withdraw the benefits provided by any Special Transaction which you would otherwise have received for the rest of the period during which the Special Transaction applies or we may withdraw the entire benefit provided by any introductory offer for the rest of the introductory offer period.
6.4 As we process payments automatically, we may accept partial payments marked “payment in full” or other similar payment descriptions without losing our right to claim full payment.

Back to top

7. STATEMENTS
We will send you a statement for each month that there is a balance on the Account showing all amounts put on the Account or paid to us in the period covered by the statement, the minimum monthly payment and the due date for payment. If for any reason we are unable to send you a statement you will still have to pay any interest. Statements will initially be sent to the most recent postal address we have for you. We may be able to provide your statements online in the future. By signing this agreement you agree that, if this facility becomes available on your Account, we may make your statements available [in pdf or html format, or some other printable and/or downloadable format,] via the secure customer area on our website at www.gemoney.co.uk/service/harveynichols or such other address as we notify to you in writing from time to time. We will send you full details as and when this facility becomes available. You will be able to revert to paper statements by contacting our Customer Service team using the address or telephone number given in Condition 3.3 or in statements we provide to you.

Back to top

8. NOTICES
8.1 We will send statements and notices to the most recent address we hold for you. You must tell us as soon as possible if you change your address or if you, or an additional cardholder, change your name and confirm any notice in writing if we ask you to do so.
8.2 You must contact us using the address or telephone number given in Condition 3.3 or in statements we send you.

Back to top

9. USE OF PERSONAL INFORMATION
9.1 We and other organisations will access and use your Personal Information (including updated contact details) to prevent fraud and money laundering and to:
a) operate and manage credit and credit related accounts or facilities with you;
b) obtain statistical analysis and to check details on applications by you and others for credit and credit related accounts and facilities;
c) develop and improve products, to form a view of you as an individual and to identify or design products (including those offered by others) that might interest you;
d) contact you with details of those products and for market research;
e) make use of, relating to the arrangements and administration of any payment protection insurance policy on credit and credit related accounts and facilities with you and for the purposes of underwriting, claims handling and fraud prevention for all types of insurance;
f) in connection with other services and/or benefits related to credit and credit related accounts and facilities with you to identify or tackle fraud, money laundering and other crime;
g) carry out regulatory checks and meet obligations to any relevant regulatory authority or taxing authority;
h) recover debt; and
i) check details of job applicants and employees.
We may give your Personal Information to any person who provides a service to us (as long as they agree to keep it confidential), and to other GE Group and retailer group companies for them to use as set out above.
9.2 We may disclose your Personal Information:
• if you consent, we have to by law, the law allows us to (without your consent), or it is in the public interest; and
• if we transfer (or may transfer) our rights and duties to another person under Condition 12, to that person (and its advisers) in advance to help them prepare for a possible transfer. (You agree they can use your Personal Information on the same basis as us after such a transfer and that references to us or the GE Group will be construed accordingly); and
• to countries whose data protection laws are less strict than in the UK. If so, we will ensure the information is held securely to standards equivalent to those in the UK and only used as permitted under this Condition.
9.3 Under the Data Protection Act 1998, you and any additional cardholders have a right to access certain personal records we, CRAs and FPAs hold about you. This is called a ‘subject access request’, which you can make in writing at GE Money, PO Box 700, Leeds, LS99 2BD. A fee will be payable.
9.4 If false or inaccurate information is provided and fraud is identified, details will be passed to FPAs.
9.5 Law enforcement agencies may access and use this information.
9.6 Please contact us on 0871 522 5146, if you want to receive details of the relevant FPAs. (Calls may be recorded and monitored. Calls cost 10p per minute plus network extras).
9.7 We and other organisations may access and use the information from other countries recorded by FPAs.

Back to top

10.OUR LIABILITY
10.1 We shall not be responsible if any person refuses to accept any Card or Convenience Cheque or if we are unable to carry out any of our obligations under this Agreement for reasons that we cannot reasonably control.
10.2 You cannot use a claim against a Supplier as a reason for not making payments to us unless you have a legal right to do so.

Back to top

11. ENDING THE AGREEMENT AND EARLY PAYMENT
11.1 You may end this Agreement at any time by writing to our Customer Services Department at the address in Condition 3.3 and paying the full amount you owe us. Unless there are exceptional circumstances we will give you at least 30 days notice if we decide to end this Agreement. You must continue to pay interest on all amounts you owe us even after the Account is terminated or closed.
11.2 We may demand repayment of the full amount you owe us (including any Special Transactions) if:
(a) we find out that our decision to lend to you was based on inaccurate, misleading or incomplete information; or
(b) you break this Agreement regularly or seriously, die, become bankrupt or make a voluntary arrangement with other people you owe money to; or
(c) you have broken the terms of another agreement you have with us and as a result we have given you notice ending that agreement and we have reasonable grounds for thinking that you may not be able to continue making payments under this Agreement. Before making any demand we will take all the steps we are required to take by law for your protection.
11.3 If this agreement was not signed in a store you may have extended cancellation rights in certain circumstances. If you do, and you exercise those rights, you will have to repay what we have lent you, and pay all interest and charges applying before cancellation.
11.4 Cards, Convenience Cheques, Card numbers and PINs must not be used after notice to end the Agreement has been given by you or by us and you must return all Cards and Convenience Cheques.

Back to top

12. TRANSFER OF RIGHTS AND DUTIES
We may transfer any of our rights and duties under this Agreement (including but not limited to our duty to lend to you) to any other person without giving you prior notice. No such transfer will affect any rights you have under this Agreement, or any of your statutory rights.

Back to top

13. ALTERATIONS TO AGREEMENT
13.1 We can change your interest rates at any time and charge different rates for different types of Transactions. This may include changes we make to the rate we charge you individually, based on a number of factors such as credit risk and the way you use your Account. We may change any other fee or charge set out in this Agreement, or introduce new charges. We may also change any other term of this Agreement where the change:
(a) is necessary to make the Agreement fairer to you or easier to understand;
(b) is to correct a genuine mistake;
(c) is necessary for the introduction of new services which may be of benefit to you or for the development of existing services;
(d) reflects a change in good banking practice or relevant laws; or
(e) is made so as to implement a voluntary industry code of practice which we have decided to adopt. We will give you at least 30 days notice before we make a change unless it is to your advantage, in which case we may make the alteration immediately and tell you about it within 30 days. If a change is to your disadvantage you can write to us (at GE Money, PO Box 700, Leeds, LS99 2BD) within 60 days to close your Account. If you do we will not apply the change before the Agreement ends.
13.2 We will let you know about any changes by post, email or in your statement.

Back to top

14. GENERAL
14.1 If we do not strictly apply our rights under this Agreement at any time, that will not prevent us from doing so later.
14.2 This Agreement, and our dealings with you with a view to entering into this Agreement, is governed by English law. The English courts have non-exclusive jurisdiction for any related disputes. We will only communicate with you in English.
14.3 A Supplier may from time to time offer a Rewards Programme or other benefits. If so they will operate under separate terms and conditions notified to you.
14.4 There may be other taxes or costs, which are not paid through us or charged by us, that you have to pay with connection to this Agreement.

Back to top

OUR DETAILS AND HOW WE ARE REGULATED
We provide credit and hire products to consumers and are licensed for these and related purposes by the Office of Fair Trading (licence number 154771). We are also authorised by the Financial Services Authority (reference number 204572); are a member of the Finance and Leasing Association (the “FLA”); and subscribe to the Banking Code and the FLA’s code of practice. GE Capital Bank Limited is a company registered with the Registrar of Companies for England and Wales, Company No. 1456283, Registered Office 6 Agar Street, London WC2N 4HR.

Back to top

COMPLAINTS
If you have a complaint, please write to us at Complaints Department, GE Money, Capital House 2, Bruntcliffe Way, Leeds, LS27 0JG. If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to:

• the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800.
E-mail: enquiries@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk. Or if your complaint relates to a StoreCard to

• the FLA's Conciliation and Independent Arbitration Scheme, addressed to The Compliance Manager, Finance and Leasing Association, Imperial House, 15-19 Kingsway London WC2B 6UN. Fax: 020 7420 9600. Email: code@fla.org.uk.

Back to top

REWARDS PROGRAMME TERMS AND CONDITIONS

REWARDS PROGRAMME
1. These rules govern the Harvey Nichols Loyalty Rewards Voucher Scheme (“the Scheme”), which is provided by Harvey Nichols ("us/we/our”) and operated by GE Capital Bank Limited. They form a contract between you and us.

2. We reserve the right to withdraw or vary the terms and conditions of the Scheme at any time by giving you reasonable notice, which shall normally be given not less than 30 days before any variation comes into force or the Scheme is withdrawn, but which may take effect immediately in the event that action is necessary to ensure compliance with any legal or regulatory obligations or in the event of circumstances beyond our reasonable control. If the Scheme is withdrawn, Rewards Vouchers will only be issued to you if, at the time of withdrawal, you have earned 500 points or more.

3. The Scheme is automatically available to persons when issued with a Harvey Nichols Store Card or a Harvey Nichols MasterCard under an Agreement with GE Capital Bank Limited (an “Account Agreement”) signed by them. Purchases made by additional cardholders will be included for the purposes of calculating the total amount of points earned but Rewards Vouchers will only be sent to the principal cardholder.

4. The Scheme is operated by GE Capital Bank Limited. These Terms and Conditions do not form part of your Account Agreement to which separate Terms and Conditions apply.

Back to top

POINTS
5. Each £1 spent on a valid Harvey Nichols Store Card or Harvey Nichols MasterCard in participating Harvey Nichols stores and at the Harvey Nichols shopping website ( www.shop.harveynichols.com) will earn 1 point. At least £1 must be spent in a single transaction to qualify for earning points. The amount of any purchase above £1 will be rounded down to the nearest pound.

6. Each £2 spent on a valid Harvey Nichols MasterCard in non-participating Harvey Nichols stores and other retail stores will earn 1 point. At least £2 must be spent in a single transaction to qualify for points. The amount of any purchase above £2 will be rounded down to the nearest two pounds.

7. For the purposes of the Scheme, participating Harvey Nichols stores are all Harvey Nichols stores in the United Kingdom. Purchases using a Harvey Nichols MasterCard through any Harvey Nichols stores outside the United Kingdom will be treated as made at non-participating Harvey Nichols Stores.

8. Where goods or services purchased using a Harvey Nichols Store Card or Harvey Nichols MasterCard are returned for a refund, points will be deducted at the rate at which they were earned.

9. Your Harvey Nichols Store Card or Harvey Nichols MasterCard statement will show your total points earned over the period to which the statement relates.

10. Points will not be awarded for the purchase of Harvey Nichols Gift Vouchers, Gift Cards, the payment of any outstanding balances on a Harvey Nichols Store Card or MasterCard Account or in respect of delivery charges associated with a transaction.

11. Cash Transactions, Cash Advances, Balance transfers, and Convenience Cheques issued under your Agreement will not earn points under this Rewards Programme.

12. We may from time to time offer bonus points whereby a higher percentage of the amount of purchases made during a specified period will be included in calculating the amount of points. Offers of bonuses may be withdrawn at any time.

Back to top

REWARDS VOUCHERS
13. Rewards Vouchers will be issued on a quarterly basis (normally February, May, August, November) in conjunction with your Harvey Nichols Store Card or Harvey Nichols MasterCard statement, unless we are prevented from sending them due to circumstances beyond our reasonable control. Rewards Vouchers are subject to these Conditions and to the conditions stated on the Rewards Voucher.

14. Rewards Vouchers are issued at the rate of £5 for every 500 points collected. A minimum of 500 points must be earned to receive a Rewards Voucher, any remaining points will at our discretion be carried forward and count towards any future Rewards Vouchers.

15. Rewards Vouchers may only be redeemed at participating Harvey Nichols stores, (excluding online purchases at www.shop.harveynichols.com) and must be handed over at the point of sale.

16. Once issued Rewards Vouchers will expire on the expiry date shown on the voucher, 6 months from the date of issue. Expired Rewards Vouchers are not valid and will not be replaced, nor will points to which they relate be re-instated.

17. Only original Rewards Vouchers will be accepted. Damaged or defaced or photocopied Rewards Vouchers will not be accepted.

18. Rewards Vouchers cannot be used in conjunction with any other discount, promotion or offer or in connection with or to purchase Harvey Nichols Gift Vouchers and Gift Cards, or to obtain Cash Advances at Harvey Nichols tills or in respect of delivery charges associated with a transaction. No cash alternative will be given.

19. We may refuse to redeem Rewards Vouchers and/or authorise the issue of points if, in our reasonable opinion, we consider that the Rewards Programme is being misused, or, if you are in breach of any of the terms of the Account Agreement.

20. We cannot be held responsible for any lost or stolen Rewards Vouchers.

Promoter: Harvey Nichols Group Limited. Registered in England No. 72539. Registered office: 109 –125 Knightsbridge, London, SW1X 7RJ.

Back to top