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Your use of this site and its related services is based upon your acceptance of our Terms and Conditions listed below.

TERMS AND CONDITIONS OF USE

Please read the following terms and conditions carefully.

By accepting below, you acknowledge that you have read the following terms and conditions of use and that you accept and will be bound by them, as they may be modified by MBNA Europe Bank Limited (“MBNA”) from time to time, as posted on this Web site. If you do not agree to the terms and conditions of use, you may not use this Web site.

LEGAL NAME AND ADDRESS

MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ. Registered in England number 2783251. Our phone number is 0800 062062. For the purpose of these terms and conditions of use, references to MBNA shall include any holding company and any subsidiary within Bank of America Corporation in addition to any of its directors, or employees.

COPYRIGHT, DESIGNS & PATENTS ACT 1988

All information on this Web site is protected by copyright in the United Kingdom and in other countries. Unless otherwise specified (see the Limited Disclaimer of Copyright below), no one has permission to copy, display, distribute, or republish in any form, or store by electronic means any part of the information found on this Web site without the written permission of MBNA, except in accordance with the Copyright Designs & Patents Act 1988.

The posting of information or other materials to this Web site does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyright, trademarks, trade names, or other intellectual property) and does not transfer any rights to a user on the Web site or any other third party, except as expressly provided herein.

TRADEMARKS

MBNA Platinum Extra, MBNA Personal Reserve, MBNA Insurance Services Customer First Insurance Foremost, MBNA Websafe, MBNA Platinum Websafe, MBNA e Platinum, Platinum e and MBNA are all trademarks of MBNA and other companies in the Bank of America Corporation.

LIMITED DISCLAIMER OF COPYRIGHT

Any one may view the information (and incidentally create an electronic copy of the information) available from this Web site for information purposes only. No part of the information at this Web site can be otherwise redistributed, copied, or reproduced in any form without the prior written consent of MBNA.

MBNA makes no representation as to the accuracy, timeliness, or completeness of the web site materials. MBNA periodically amends, changes, adds, deletes, updates, or alters the information, including, without limitation, the terms and conditions of use at the web site, without notice. Further, MBNA assumes no responsibility for any errors or omissions in the content of the web site. MBNA specifically disclaims any duty to update the information on the web site.

Reference to MBNA, and its services and products are provided without warranty of any kind, either expressed or implied. Under no circumstances shall MBNA or any other party involved in the creation, production, or delivery of the information at this web site be liable for any special, incidental, indirect, or consequential damages of any kind, or any damages whatsoever resulting from loss of use, computer virus or system failure, data, or profits, whether or not advised of the possibility of damages, and on any theory of liability, arising out of or in connection with the use or performance of this web site (or the information or services provided at this web site) or any web site related to any third party, or users' inability to use the information or materials contained in the web site (on any other web site). Under no circumstances shall MBNA's liability to users for all damages, losses, and causes of action (whether in contract, tort, including, but not limited to, negligence or otherwise) exceed the amount, if any, paid by users to MBNA for accessing the web site. The user should consult his or her own legal advisers regarding the applicability of their own domestic legislation regarding limitations on liability.

TYPOGRAPHICAL ERRORS

This Web site could include technical inaccuracies or typographical errors.

INDEMNIFICATION BY USER

User agrees to indemnify, defend, and hold MBNA harmless from any liability, loss, claim, and expense, including legal fees related to a user's violation of these terms and conditions or unauthorised use of the services and information provided at this web site.

VIRUSES

MBNA accepts no responsibility for any damage caused by viruses contained within the electronic files at this Web site.

LINKS TO OTHER WEB SITES

This Web site contains links to other Web sites. MBNA is not responsible for the content, accuracy, or opinions expressed in such Web sites, and such Web sites are not investigated, monitored, or checked for accuracy or completeness by MBNA. Inclusion of any linked Web site does not imply approval or endorsement of the linked Web site by MBNA.

SUBMISSION OF INFORMATION

All information transmitted, or otherwise submitted to MBNA, via this Web site shall only be used by MBNA to the extent permitted by applicable legislation, specifically data protection legislation in the United Kingdom and Ireland.

GENERAL

These terms and conditions will be governed by and construed in accordance with the applicable laws of the United Kingdom (in respect of users residing in the United Kingdom) and the applicable laws of the Republic of Ireland (in respect of users residing in the Republic of Ireland) without regard to conflict of law principles, and users agree that all legal proceedings relating to the matters herein shall be adjudicated solely in the courts of either the United Kingdom or, where relevant, the Republic of Ireland. Users consent to extra-territorial service of process and submit to the jurisdiction of the said courts.

To the extent that any portion of these terms and conditions shall be determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these terms and conditions as so modified will remain in full force and effect.

Any waiver of any provisions contained in these terms and conditions by MBNA shall not be deemed to be a waiver of any other right, term, or provision of these terms and conditions.