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Terms & Conditions

The following Terms and Conditions apply from the 3 July 2019

We know you hate it, we do too, but here's the small print.

We ask you to accept these Terms and Conditions when you order your SIM card and your activation of the Service means that you accept them.

We'll keep these Terms and Conditions up-to-date at giffgaff.com at the link at the bottom of every page. If we make a significant change, we’ll contact you to let you know or post information on our Forum.

Here’s a summary of some important terms:

  • If you have a goodybag, your inclusive allowance covers standard mainland UK calls, texts and data and roaming within the EU and selected destinations for periodic travel, subject to our Fair Usage Guidelines. Special numbers and services (such as roaming charges, international calls, premium rate numbers and some 08 numbers) are not included. Sometimes the allowances may change, but we’ll always let you know in advance if they do. Check giffgaff.com for more details about Charges and our latest rates so you know how much your usage will cost you.
  • Our Service isn’t available everywhere in the UK. You can check predicted network coverage in your area by using our Network Service Checker. The Services are not fault-free and the speed and quality of your connection, for example, can be affected by things like the thickness of the walls of the building you’re in, technical issues and the number of members near you trying to access the Services at the same time. We’ll carry out maintenance on the Network from time to time. We use reasonable skill and care in providing you with the Services and will attempt to re-perform disrupted Services when possible.
  • Content on your device can sometimes contain minor defects or bugs, so it’s a good idea to always keep your Content up-to-date.
  • If we believe you’re using the Service fraudulently, illegally, in a way that harms our Network or the experience of others, or for business use (amongst other things) we will cancel your Service.

Contents:

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        1. Explanation of Certain Words

          1.1. In these Terms and conditions:

          "Account"
          means the giffgaff account which records details of the amount of airtime balance you have, from time to time;

          "Affiliates"
          means Means members or companies who have officially join or become attached to giffgaff;

          "AIT"
          means Artificially Inflated Traffic, which occurs where the flow of calls, texts or data, which could be in connection with a revenue share service, is disproportionate to the flow of calls, texts or data that would be expected from good faith commercial practice and usage of the Network;

          "Auto Top-up"
          means a recurring payment method that enables you to automatically top up the credit on your Account by an amount that you have previously selected;

          "Blog"
          means the community blog webpage on giffgaff.com;

          "Bundle"
          means a certain Service allowance for use in conjunction with a SIM Card and a mobile phone device as may change from time to time and as described on giffgaff.com;

          "Charges"
          means all the prices associated with the Service as described on giffgaff.com;

          "Community Guidelines"
          means the guidelines regulating your involvement in the giffgaff community as published here;

          "Content"
          means textual, visual or other information, software, photos, video, graphics, music, sound and other material appearing on or available through the Service including all information supplied by content providers from time to time;

          “EU and selected destinations”
          means Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Netherlands, Norway, Poland, Portugal, Reunion Islands, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Vatican City;

          "Forum"
          means the community forum webpage on giffgaff.com;

          "goodybag"
          means a Bundle including minutes, texts and data;

          "GSM Gateway"
          means a device (not designed or adapted to be capable of being used whilst in motion) designed or adapted to be connected by wireless telegraphy to the Network or the cellular telecommunications system of another Network operator and used solely for the purpose of sending or receiving messages conveyed by means of the Network or the cellular telecommunications system of another Network operator;

          "Intellectual Property Rights"
          means: (i) any (and any rights subsisting in any) patents, designs, trademarks and trade names (whether registered or unregistered), copyright and related rights, moral rights, database rights, know-how and confidential information; (ii) all other intellectual property rights and similar or equivalent rights anywhere in the world which currently exist or are recognised in the future; and (iii) applications, extensions and renewals in relation to any such rights

          "Member"
          means an individual engaged in the giffgaff community and a user of the Service;

          "Member Services"
          means the agents who support Members in their use of the Service, whose contact details are found on giffgaff.com;

          "Network"
          means the cellular telecommunication system run by Telefónica UK Limited;

          "Participation"
          means such involvement in giffgaff’s Member community as giffgaff may, from time to time, deem eligible for award of Payback Points, as described in more detail in the Community Guildelines;

          "Payback Date"
          means the date on which Members receive Payback Points, such date to be specified by giffgaff from time to time;

          "Payback Points"means the points you are awarded by us for your Participation;

          "Phone"
          A device that is able to make and receive GSM voice and text calls;

          "Queued Bundle"
          means a Bundle that has been paid for in advance by a Member, on a one-off basis, to automatically apply on expiry of the Member’s current Bundle;

          "Recurring Bundle"
          means a Bundle that has been requested by a Member to recur automatically each time the Member’s existing Bundle expires;

          "Rights"
          means copyright, trademark and other relevant proprietary and Intellectual Property Rights relating to Content;

          "Service"
          means any or all of the following services: airtime service enabling you to make or receive calls and to send and receive data (via, for example, WAP, GPRS, 3G or 4G) by means of the Network, the ability to send and receive email via the Internet, the ability to access information from the Internet, the ability to access and use the giffgaff blog or forum, and any additional services we agree to provide to you;

          "SIM Activation"
          means the process of creating an Account, making your first top-up or Bundle purchase and activating a SIM Card online at giffgaff.com;

          "SIM Card"
          means a card or other device provided to you by giffgaff and bearing a unique telephone number programmed to allow a mobile device to access the Service;

          "Spread giffgaff"
          means a type of Participation whereby a Member orders a SIM Card via another Member, who then qualifies for Payback Points on activation of that SIM Card;

          "Tablet"
          A device that is not able to make and receive GSM voice and text calls;

          "Terms and Conditions"
          means these terms and conditions;

          "We", "us", “giffgaff” and "our"
          means giffgaff Limited, 260 Bath Road, Slough, Berkshire, SL1 4DX; and

          "You"
          means the Member to whom the Terms and Conditions apply, and it includes a person who we reasonably believe is acting with your authority.

          1.2. giffgaff.com contains explanations, definitions, notes and conditions which form part of these Terms and Conditions.

          1.3. The Service and any offers, competitions, prize draws, promotions and/or trials made available by us from time to time may be subject to supplemental terms as advertised in our marketing literature and/or as set out on giffgaff.com. Please check giffgaff.com regularly as any such terms may be updated from time to time, and your participation in any such offer, promotion and/or trial will mean you have accepted such terms.

          [Top]

        2. Provision of Service

          2.1 We will provide the Service to you, and you will be entitled to the quality of Service generally provided by a competent mobile telecommunications service provider exercising reasonable skill and care. However, the Service is not fault free and we will not be liable to you if it is impaired by geographic, atmospheric, Network traffic or other conditions or circumstances beyond our control, including but not limited to the following:

          • a) The Service is subject to Network coverage and is not available in all parts of the United Kingdom, the EU and selected destinations or in all other countries; and
          • b) The Network may from time to time require upgrading, modification, maintenance or other work which may result in partial or complete non-availability of the Service.

          2.2. We may exercise our discretion, using reasonable skill and care, to refuse to provide any part of the Service to you. This may involve barring certain numbers from the Service on a temporary or permanent basis, in circumstances where it is necessary for us to do so.

          2.3. We will use reasonable endeavours to maintain Content but it may be incomplete, out of date or inaccurate and is provided on an "as is" basis. You accept that we will not be liable for any action you take in reliance on Content as a condition of us allowing you access to such Content.

          2.4. giffgaff (or our agents where relevant) reserve the right to:

          • a) Restrict access to certain elements of the Service due to age restrictions; and
          • b) Vary Content and/or the technical specification of Service from time to time.

          2.5. Occasionally we may need to:

          • a) Alter the number of your mobile phone, or any other name, code or number associated with the Service for reasons beyond our control such as where requested to do so by a governmental authority or regulatory body or where we reasonably believe that the alteration will enhance your use of the Service. If this is the case we will give you reasonable notice; and/or
          • b) Temporarily suspend the Service (or any part of it) for operational reasons or in an emergency or for your security.

          2.6. We will provide you with a SIM Card which shall remain, at all times, our property.

          2.7. Maximum call duration is 9 hours.

          2.8. Some elements of the Service (including, but not limited to 4G service set-up) may require activation following purchase, which may take up to 24 hours.

          2.9. You may only use our services in the EU and selected destinations for periodic travel, like holidays or short breaks. If you’re not genuinely using our services for periodic travel we may have to charge you for, or suspend you from, using our services in the EU and selected destinations.

          2.10. The countries covered in the EU and selected destinations may change from time to time and do not include Monaco, Jersey, Guernsey, Isle of Man and Switzerland. Please see our roaming page for details of what countries are included in the EU and selected destinations.

          2.11. We may cap your data allowance in the EU and selected destinations. Any use in excess of these caps will be charged at 0.46p. For data level of cap and rates to be charged see our roaming page.

          2.12. In the EU and selected destinations, making calls or sending texts to premium rate numbers, directory service numbers and some non-geographic numbers (which can vary over time) aren’t included.

          2.13. All use of our services will be subject to our Fair Usage Guidelines. We may suspend or terminate your access to our services in the event that you breach our Fair Usage Guidelines.

          [Top]

        3. Your use of the Service

          3.1. You may only use Content in a way that does not infringe the Rights of others and you must comply with all other instructions issued by us regarding use of Content. You shall not store, modify, transmit, distribute, broadcast, or publish any part of Content other than in compliance with such instruction. The re-selling, copying or incorporation into any other work of part or all of the Content in any form is prohibited save that you may print or download extracts of Content for your personal use only.

          3.2. You are solely responsible for evaluating the accuracy and completeness of any Content and the value and integrity of goods and services offered by third parties over the Service. We will not be a party to or in any way responsible for any transaction concerning third party goods and services, except in the case of negligence on our part.

          3.3. You must provide us with a current email address and you must maintain this address and advise us promptly of any changes to it. It is your responsibility to verify that your email mailbox is in proper working order and you must assume the risk of all consequences for errors in sending and receiving email, unless caused by our negligence.

          3.4. To use some of our Services, for example mobile internet, data, picture messages and text messages, you will need to ensure your mobile device is compatible and enabled.

          3.5. Your use of the Services must be for your private, personal and non-commercial purposes. You may only use a device with an IMEI number associated with it on the Network and you will not use or permit anyone else to use your SIM Card:

          • a) For any form of automated usage of mobile services;
          • b) In such a way that adversely impacts the service to other giffgaff Members;
          • c) Fraudulently, illegally or in breach of any law or statutory duty;
          • d) To make a call or send a message, to take a picture or video or send, upload, download, use or re-use any material which is offensive, abusive, indecent, defamatory, obscene or menacing, a nuisance (including to our staff) or a hoax, in breach of any Rights or privacy or otherwise unlawful;
          • e) To cause annoyance, inconvenience or needless anxiety as set out in the Communications Act 2003;
          • f) Other than in accordance with acceptable use policies of any connected Networks and any relevant Internet standards;
          • g) To generate AIT;
          • h) via a GSM Gateway so that the Service is provided via the GSM Gateway to third parties; or
          • i) To persistently send unsolicited communications,

          and you shall, at all times:

          • k) Ensure the information you have provided to us in Participation or otherwise is accurate and up-to-date; and
          • l) Comply with these Terms and Conditions, our Privacy Policy and Community Guidelines and any other supplemental terms and conditions which may be set out in marketing material or on giffgaff.com from time to time;
          • m) Ensure any Participation you undertake is done in a manner compliant with all law and regulation, does not generate any serious complaint about you (whether or not it is ultimately proven) and in such a way as to not bring giffgaff into any disrepute;
          • n) Not do anything or permit anyone else to do anything which we reasonably think adversely impacts the Service to other giffgaff Members or may adversely affect the Network; and
          • o) Not be abusive, make threats, repeatedly cause a nuisance or annoyance or otherwise act illegally towards the giffgaff community, our employees, agents or property.

          If giffgaff reasonably suspects you are not acting in accordance with the conditions of this clause, giffgaff reserves its right to impose standard Charges and/or Network protection controls (which may reduce your speed of transmission); remove a Bundle and/or Payback Points from your account or block access to the Internet at any time; prevent you from purchasing further Bundles; remove any free minutes allocated to you; stop your entitlement to Payback Points; and/or bar or suspend your SIM Card from the Service.

          3.6. If your SIM Card is lost, stolen, damaged or destroyed or used without your authority, you will contact giffgaff immediately and cooperate with us in our reasonable security and other checks. We reserve the right to bar or suspend your SIM Card where we reasonably suspect it has been lost or stolen.

          3.7. You must tell us immediately by emailing datacontroller@giffgaff.co.uk, if anyone makes or threatens to make any claim or issue legal proceedings against you relating to your use of the Service or the Content and you will, at our request, immediately stop the act or acts complained of. If we ask you to, you must confirm the details of the claim(s) in writing.

          3.8. If you do not want your number displayed on receiving mobile phones, Key 141 before the number you wish to call. Otherwise you agree that we may allow the display of your telephone number on receiving handsets. Your number will be disclosed in relation to calls you make to emergency services.

          [Top]

        4. The Charges

          4.1. In return for your payment of the Charges we will provide you with the applicable Service.

          4.2. You can purchase access to the Service in various ways, including via:

          • a) Purchase of one-off airtime credit;
          • b) Setting your Account to Auto Top-up;
          • c) Buying a one-off Bundle;
          • d) Setting your Account to apply a Queued Bundle; and/or
          • e) Setting your Account to apply Recurring Bundles.

          4.3. You can pay the Charges using a giffgaff-approved top-up voucher, PayPal or debit or credit card that giffgaff accepts. By using PayPal or debit or credit card you confirm it is yours or you have permission from the account holder or cardholder to use it.

          4.4. You can make free UK calls, texts, call forwarding and video calls to other Members subject to you topping-up or purchasing a Bundle using a credit/debit card or voucher once every 3 months (i.e. a Bundle purchase made using airtime credit does not qualify). Such calls are at no extra cost for the first 60 minutes per call, after which the call will be charged using Charges applicable to standard non-giffgaff UK mobile pricing. Please note that if topping up or purchasing a Bundle (using a credit/debit card or voucher once every 3 months) takes place whilst a call is in progress, free UK calls, texts, call forwarding and video calls to other Members will only start from the next call you make.

          4.5. We may increase or decrease the Charges at any time (including the introduction of prices for aspects of the Service previously provided at no extra cost). Where we increase the Charges significantly for the elements of the Service you are using we will notify you before the changes become effective by email and/or text.

          4.6. If you pay for a Service by way of Auto Top up, Queued Bundle or Recurring Bundle you must ensure your PayPal, debit or credit card detail on your Account are kept up to date at least 24 hours in advance of application of any attempted top-up or new bundle. You can cancel any of these options (and obtain a refund in respect of a pre-paid queued bundle) by requesting cancellation at least 24 hours prior to its application, on your account at giffgaff.com

          4.7. It is your responsibility to ensure your PayPal, debit or credit card account has sufficient funds to pay for the Charges. We shall not be responsible for any additional charges which may be imposed on you by your bank or card issuer.

          4.8. We reserve the right to block or bar your SIM Card if we have reasonable cause to suspect fraudulent use of a PayPal account, credit or debit card.

          4.9. We shall have no liability to you in respect of any loss incurred as a result of delayed or incorrect airtime credit top-up, Auto Top-up or Bundle payment.

          4.10. If you purchase a Bundle while actively using your airtime credit top-up for Services, please restart your device to ensure your Bundle is used to provide Services to you instead of your airtime credit top-up

          4.11. Refunds can only be processed to a saved, valid debit or credit card. PayPal refunds can only be processed to the account used for payment and not a different PayPal address.

          4.12. Roaming pricing applies when your SIM Card is used outside of the UK.

          4.13. If your SIM Card is lost or stolen:

          • a) It shall be your responsibility to contact us as soon as possible, and to cancel any Auto Top-up, Queued Bundle or Recurring Bundle associated with your Account; and
          • b) We shall have no obligation to refund you in respect of any airtime credit or active Bundle on your Account.

          4.14. You may be charged to receive certain premium rate text messaging services and multimedia messaging services. We will not notify you of charges for premium rate services operated by third parties.

          4.15. Unless otherwise stated, a one minute minimum call Charge will apply to all chargeable calls. All calls are charged in one second increments after the first minute.

          4.16. Charges include VAT unless otherwise stated.

          [Top]

        5. Airtime credit and Auto Top-up

          5.1. If you select an Auto Top-up option, payment for the pre-selected top-up credit amount will be taken each time your Account credit balance falls beneath £3.00 and we will then notify you the Auto Top-up has been applied by text and email.

          5.2. Where you are using airtime credit, each time you use the Service, your airtime credit will be reduced according to the duration and type of call/message or the amount of data used by reference to the Charges.

          5.3. Once credit is applied to your Account, we have no obligation to refund it to you.

          5.4. We shall be entitled to suspend or terminate your Auto Top-up selection at any time, for any reason, and will give you reasonable notice of this where possible.

          5.5. The maximum amount of available airtime balance possible per SIM is £350

          [Top]

        6. Bundles

          6.1. We recommend that you activate all of the Bundles which you purchase without delay in order to minimise the likelihood of their terms and/or allowance changing between purchase and activation.

          6.2. A Bundle lasts for a month, (and, subject to paragraph 6.3 below) starts from the moment you successfully make your purchase (i.e. the day of purchase counts as one full day, regardless of the time of purchase, and is included in the monthly period) and the Bundle is allocated to your Account. If you have any remaining Service allowance at the end of this monthly period it will expire and will not be rolled-over into the next month.

          6.3. If you make a Bundle purchase or opt to start a new or already purchased Bundle early whilst your voice call is in progress, the Bundle will not start immediately, in relation to voice services. You should therefore end any voice call before your Bundle purchase to avoid your airtime credit being used to provide voice services to you instead of the newly purchased Bundle, i.e. voice services will only be provided from the Bundle from the beginning of the next call that is made after the Bundle is purchased. Data services and SMS are unaffected.

          6.4 The day you first purchase a Bundle is your “Bundle initial purchase date” and it will expire at 23.59 the day before the corresponding day next month. If your Bundle initial purchase date is on a day not contained in the next month, your Bundle will expire on the closest possible day in that month and (if you have a recurring or queued Bundle) will start the next day. For example, if you purchase a Bundle on 31 January, it will run until 23.59 on 28 February and (if you have a recurring or queued Bundle) will start again on 1 March.

          6.5. Where you have an active Bundle on your Account, each time you use the Service, your Bundle allowance will be reduced according to the duration and type of call/message or the amount of data used.

          6.6. Standard out-of-Bundle Charges apply where you have used up any of your Bundle Service allowances and continue to use the associated Service. From time to time, giffgaff may provide functionality to allow you to purchase a new Bundle early. If you elect to take this option, your existing Bundle allowance shall be replaced by a new Bundle allowance.

          6.7. Bundle Service allowances for calls and texts are for standard UK mobile numbers or standard UK landlines (starting 01 or 02 or 03) only. Picture or video messages are excluded unless otherwise stated. Call forwarding to standard UK mobile numbers, standard UK landlines (starting 01 or 02 or 03) and your voicemail is included within your Bundle Service allowance. Calls and text messages to other numbers may be charged at out-of-Bundle rates as set out in the Charges.

          6.8. We reserve the right to remove or vary the terms and/or allowance of any Bundle (activated or not) from time to time where reasonably necessary (e.g. to improve the service you receive or to manage our costs). Where we vary the terms and/or allowance of a Bundle you are using to your disadvantage, we will notify you of this by text message and/or email 30 days prior to the change. For queries/complaints go to www.giffgaff.com/support/ask.

          6.9. Please note that you will be unable to cancel or claim any refund in respect of a Bundle once it has been activated on your Account. Your legal rights are unaffected.

          6.10. From your third Bundle purchase onwards, or from your next Bundle purchase onwards if you’ve already purchased three or more Bundles in the time you’ve been a Member, you’ll receive an extra 1 GB of data free on all Bundles worth £10, £12, £15, £20.

          6.11. Bundle allowance details and associated terms can be found on giffgaff.com.

          Additional terms in respect of Queued Bundles

          6.12. Payment for each Queued Bundle will be taken at the time of purchase, not at the time the Bundle is activated on your Account.

          6.13. If you buy a Bundle when another Bundle is active, and if you have used part of your Bundle allowance (as giffgaff may determine) you may have the option of making the new Bundle a Queued Bundle, to be applied once the existing Bundle period expires. Under certain circumstances, you may also start the new Bundle early as outlined in Clause 6.6.

          Additional terms in respect of Recurring Bundles

          6.14. Payment for each Recurring Bundle will be taken each time a new Bundle is activated on your Account, at which point we will notify you such payment has been taken text and email.

          6.15. We shall be entitled to suspend, terminate or change your Recurring Bundle selection at any time, for any reason, and will give you reasonable notice of this where possible. Where we are changing your Recurring Bundle selection to your disadvantage, we will notify you of this by text and/or email.

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        7. Earning Payback Points through Participation

          7.1. If you engage in the giffgaff community through Participation, you may be eligible for Payback Points which can be converted into pounds sterling and:

          • a) Used to buy airtime credit for your Account;
          • b) Where value is at least £10, transfer them to your PayPal account; or
          • c) Donated to the giffgaff community’s chosen charity.

          7.2. We calculate the Payback Points due to you over certain periods as described on giffgaff.com and as may change from time to time (the “Payback Period”). Following such calculation we shall let you know how many points you have earned and tell you how long you have to decide which of the options described at Clause 7.1 you wish to choose (“Selection Period”).

          7.3. We will begin to process Member choices as specified on giffgaff.com and endeavour to complete such processing within 15 days of the end of the Selection Period.

          7.4. If you do not notify us how you want to use your Payback Points within the Selection Period, any Payback Points you have accumulated during the last Payback Period shall roll-over into the following Payback Period. Such roll-over only applies once and any Payback Points which have previously rolled over shall be removed from your Account.

          7.5 To qualify for Payback Points you must:

          • (a) be aged 16 years or over;
          • (b) have an active SIM Card at the Payback Date; and
          • (c )have successfully made a connecting call or SMS to any mobile or used mobile internet at least once in the 3 months prior to end of the relevant Payback Period.”

          7.6. If you select a PayPal transfer, you are responsible for providing us with valid PayPal account details. If there is a refund generated from the member-side back to giffgaff the full amount will not be rolled over or paid to a different PayPal address.

          7.7. We may suspend or discontinue the Payback Points scheme at any time. In this event we will provide notice on giffgaff.com. You would stop accruing Payback Points but if you are eligible for a payback before the suspension or discontinuation of the Payback Points scheme, we will honour it.

          7.8. If your Account becomes inactive (through closure or porting of your mobile telephone number) your Payback Points will be removed.

          7.9. You are responsible for any tax implications resulting from your Participation.

          7.10. giffgaff's decision as to the value of your Payback is final and no correspondence will be entered into.

          Spread giffgaff

          7.11. In order to qualify for Payback Points under Spread giffgaff Participation:

          • a) You must ensure SIM Cards you distribute are only activated by an individual eligible to become a giffgaff Member under these Terms and Conditions, who has not previously been a Member and who intends to be a regular user of the Service, complying with these Terms and Conditions on an ongoing basis (the “New Member”);
          • b) The New Member must:
            • i. register their details as required to open a new Account; and
            • ii. not be barred or disconnected by us from using the Service before the end of the then current Payback Period; and
          • c) you must only have distributed SIM Cards through:
            • iv. your own physical distribution;
            • v. sending a SIM Card directly to a known address in respect of which you have any necessary authorisation required to send such SIM Card; and/or
            • vi. requests made of you through social media or your own website that you control.

          7.12. All new Members will get an additional £5 bonus credit if they use any of the Spread giffgaff promotion methods described in Clause 7.11(c) of these Terms and Conditions within six weeks (42 days) of activating their own SIM Card. The £5 bonus credit will only be applied to the first Spread giffgaff activation that takes place during such six week period. The credit will be applied within five working days of the Spread giffgaff activation.

          7.13. We reserve the right to remove or not award Payback Points where:

          • a) you have Participated in Spread giffgaff other than in compliance with Clause 7.11 above;
          • b) multiple SIM Cards have been activated or used in the same device;
          • c) where the New Member hasn’t used or continued to top-up their Account (as we may consider in our sole discretion);
          • d) you have used methods of promotion or distribution, or related strategy, that we (in our sole discretion) consider inappropriate, which shall include, but not be limited to:
            • i. infringing or violating trademark or other rights of giffgaff or any third party;
            • ii. using promotional content other than provided to you by giffgaff which we deem inappropriate (and you shall forward any claims or complaints you may receive in connection with any promotional content to giffgaff immediately, and remove it immediately upon giffgaff's request);
            • iii. giffgaff does not allow affiliates to bid on brand terms, nor are affiliates allowed to use these within a display URL in any PPC advertising. This also includes misspellings of the brand. Affiliates are now permitted to link directly to giffgaff’s site. You must not bid on any terms relating to any competitor of giffgaff. Any affiliates found to be doing so will be removed from the programme or not been awarded Payback points.using sites that include a giffgaff trademark, or the terms ‘giffgaff’, ‘giff-gaff’ or any variation thereof in the main URL structure (i.e. http://www.giffgaff-sim-cards.co.uk/). You may include giffgaff as part of a subdirectory (i.e. example.com/giffgaff), or a subdomain (i.e. giffgaff.example.com);
            • iv. giffgaff reserves the right to approve affiliates on exceptional cases to bid on relevant keywords. Explicit approval is required and all keywords must be pre-approved by giffgaff but on after direct written approval from giffgaff.
            • v. using sites that include a giffgaff trademark, or the terms ‘giffgaff’, ‘giff-gaff’ or any variation thereof in the main URL structure (i.e. http://www.giffgaff-sim-cards.co.uk/). You may include giffgaff as part of a subdirectory (i.e. example.com/giffgaff), or a subdomain (i.e. giffgaff.example.com);
            • vi. impersonating giffgaff or promoting giffgaff in any way, including, but not limited to, via graphical images, logos, text or editorial copy, press releases or marks, that (i) could be interpreted to suggest that such content has been authored or otherwise provided by, or represents the views or opinions of, giffgaff; (ii) is misleading, defamatory, libellous, obscene, or otherwise objectionable; (iii) infringes, derogates, dilutes, or impairs the rights of giffgaff or any third party; (iv) refers to giffgaff but is used as part of a name of a product or service of a company other than giffgaff; or (v) is used in any other manner inconsistent with these terms and conditions or with any provision of law. We may at our discretion ask you to modify your promotional material or clearly state that your site is not official and to include links to giffgaff.com.
            • vii. using sexually explicit materials or hate/ violent/ offensive content;
            • viii. promoting discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
            • ix. promoting illegal activities or otherwise, violate any applicable laws (this includes SPAM). If you want to send out any emails that advertise or promote giffgaff, you will need giffgaff's approval. Emails or other communications must comply with all applicable law including laws relating to data protection and privacy and electronic marketing
            • x. not clearly stating an online privacy policy to visitors to a site;
            • xi. using fraudulent means to prompt clicks; or
            • xii. anything else which we might consider inappropriate and/or likely to bring giffgaff into disrepute.

          7.14. We will keep our right, title and interest in the giffgaff names, logos, trademarks, service marks and copyrights, including those that we may use or develop in the future. Any goodwill resulting from your use of giffgaff's name, logos, trademarks, service marks and copyright will not create any right, title or interest for you as a distributor of SIM Cards.

          7.15. You will maintain the quality of your distribution services at a level satisfactory to giffgaff and notifying giffgaff of any problems with your participation in this distribution promotion. You shall provide us, on request, with any information we may reasonable require from time to time in connection with your distribution activity.

          7.16. You confirm that:

          • a) your promotion of giffgaff does not (i) infringe on giffgaff's or any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (ii) violate any applicable laws or regulations; (iii) contain defamatory or libellous material; (iv) contain lewd, pornographic or obscene material; (vii) contain viruses, Trojan horses, or other similar harmful programmes;
          • b) if you are promoting giffgaff using a website, you have and comply with a privacy policy that is prominently displayed on your website; and
          • c) you agree to indemnify, defend and hold harmless giffgaff and its affiliates, directors, officers, employees and agents, from and against any and all liability, claims, losses, damages, injuries or expenses (including reasonable legal fees) brought by a third party, arising out of a breach, or alleged breach, of any of your representations or obligations.

          7.17. giffgaff may terminate the Spread giffgaff scheme at any time, for any reason and if it notifies you of this you must immediately stop any distribution activity and stop using giffgaff's name, logos, trademarks, service marks or creative work.

          Super Recruiters

          7.18. The Super Recruiter Programme (the “Programme") is open to a worldwide audience aged 16 years or over (“Participants”).

          7.19. To qualify for the Programme a Participant must recruit 15 or more new Members in their lifetime.

          7.20. Participants will start at level 1 (‘Apprentice’) when enrolled onto the Programme. Depending on the number of new Members they recruit ("Recruit(s)") each month they can change between the levels. Levels are calculated monthly based on an average over 3 months. Level 1 (‘Apprentice') is for Participants who recruit up to 14 Recruits in 3 months, Level 2 (‘Expert’) is for Participants who recruit between 15 and 119 Members in 3 months, and Level 3 (‘Master’) is for Participants who recruit 120 or more Members in 3 months. Each level offers different rewards and incentives. Participants can order up to 30 SIM Cards per month, but giffgaff may agree to increase that limit, depending on the likely number needed (the allowance is usually only increased for Masters). giffgaff reserves the right to change a Participant’s level and SIM Card allowance for any reason at any time on reasonable notice. giffgaff also reserves the right to change rewards and incentives available within each level at any time.

          7.21. Participants will receive monthly ‘Top-up rewards’ in cash via PayPal if their Recruit tops up, either as credit or a goodybag purchase (but not a queued goodybag purchased previously). The Participant will receive a maximum of two monthly rewards per Recruit if the Recruit tops up twice within 120 days of activating their SIM Card. Top-ups on the same day as activation will be ineligible for super recruiter rewards under the Programme.

          7.22. Any and all undisputed and accrued ‘Top up rewards’ will be paid to Participants as close as possible to day 15 of the month, following the month in which the reward was earned. This means that where, for example, Top up rewards are earned right at the end of the month, Participants would receive payment approximately 15 days later. Where Top up rewards are earned right at the beginning of the month, Participants would receive payment approximately 45 days later. Payments will be paid by PayPal into the account nominated by the Participant for this purpose.

          7.23. Participants are responsible for:

          • a) providing giffgaff with correct and up-to-date contact and PayPal account details. If a Participant fails to do so he/she may not receive payment under the Programme. giffgaff accepts no responsibility for such occurrences;
          • b) keeping the details provided in their Account complete and accurate at all times. giffgaff reserves the right to request proof of any Participant’s identity at any time for the purpose of verifying that they are who they say they are and are not involved in fraudulent activity. At the point at which identification data is requested we will confirm to you how long such information will be retained and for what purpose. Click here to view our privacy policy, which provides a full explanation of how Participant and Member information is used by giffgaff. If the Participant fails to respond to this request within the reasonable time period specified, giffgaff may close that Participant’s Account with immediate effect, at which point the Participant will no longer have any rights under these Terms and Conditions, except those rights which cannot be excluded or limited at law (see Clause 12.1);
          • c) ensuring that (i) under no circumstances are Recruits signed up by the Participant directly and without their consent and that (ii) if for any reason, data belonging to Recruits is provided by Participants, this is done only with the relevant Recruit’s prior consent. If it transpires that a Participant is in breach of (i) or (ii) above, giffgaff may close that Participant’s Account with immediate effect, at which point the Participant will no longer have any rights under these Terms and Conditions, except those rights which cannot be excluded or limited at law (see Clause 12.1).
          • d) keeping Account log-in details secure. giffgaff will not be responsible for loss, damage or any other issues arising out of unauthorised access to any Participant’s Account;
          • e) keeping a record of payments made to them. giffgaff is not liable for any loss of payment;
          • f) complying with any additional terms and conditions imposed on them by their nominated Paypal account; and) any tax liability in their country of residence incurred as a result of taking part in the Programme.

          7.24. Note that a Participant shall forfeit their entitlement to any rewards accrued but not yet paid under the Programme if he/she fails to provide correct PayPal details within ninety days of any reward being earned.

          7.25. The standard monthly SIM Card allowance for a Participant, unless otherwise agreed, will be 30 SIM Cards. The SIM Cards can be ordered from giffgaff.com Participants should allow approximately 14 days for delivery. SIM Cards must be activated in the UK and details about how to activate them can be found here.

          7.26. Only SIM Cards ordered from a Participant’s Account through the giffgaff website are capable of qualifying Participants for rewards.

          7.27. Participants may use certain promotional content that giffgaff provides to them only for the purpose of finding Recruits (for example, through a Participant-created or third party website ("Participant Websites")). However, Participants must strictly adhere to any and all instructions in respect of the use of such content, including (without limitation) brand guidelines and the giffgaff brand pack available here, which may be issued by giffgaff from time to time and giffgaff may suspend a Participant's use of such promotional content if a Participant does not do so. Participants must forward any claims or complaints they may receive in connection with the promotional content to giffgaff immediately. Participants must also remove such content immediately upon giffgaff’s request and promptly provide evidence of the same.

          7.28. Participants may not present or use any content within Participant Websites, including, without limitation, graphical images, logos, text copy, editorial copy, press releases or marks, that:

          • a) could be interpreted to suggest that such content has been authored or otherwise provided by, or represents the views or opinions of, giffgaff;
          • b) is misleading, defamatory, libellous, obscene, or otherwise objectionable;
          • c)infringes, derogates, dilutes, or impairs the rights of giffgaff or any third party;
          • d) refers to giffgaff but is used as part of a name of a product or service of a company other than giffgaff; or
          • e) is used in any other manner inconsistent with these Terms and Conditions or with any provision of law.

          7.29. Subject to Clause 7.28, giffgaff hereby grants Participants using or running Participant Websites a non-exclusive, royalty-free, revocable, non-transferable, non-sub-licensable licence to use the giffgaff logo and material ("Intellectual Property") (in each case provided or made available to Participants by giffgaff) solely for the purpose of finding Recruits, provided that giffgaff will keep its right, title and interest in its Intellectual Property, including those that it may use or develop in the future. Participants hereby assign any rights in and to any goodwill resulting from Participants' use of giffgaff’s Intellectual Property to giffgaff and agree that this will not create any right, title or interest for giffgaff.

          7.30. Participants shall not:

          • a) use giffgaff's Intellectual Property in any form other than as provided by giffgaff;
          • b) vary, amend, alter or change in any way (other than sizing) any of giffgaff's Intellectual Property;
          • c) use giffgaff's Intellectual Property other than in accordance with these Terms and Conditions and any other written instructions or directions as may be given by giffgaff from time to time; or
          • d) use giffgaff's Intellectual Property for any purpose other than for finding Recruits.

          7.31. The right of Participants to receive payment is subject to their on-going compliance with these Terms and Conditions. giffgaff may, at its sole discretion, suspend or remove a Participant from the Programme at any time and without notice, and withhold or seek reimbursement of, or payment from any Participant in any circumstances which giffgaff reasonably considers to be serious, including but not limited to the following:

          • a) If the Participant has breached these or any other applicable terms and conditions, including but not limited to those relating to giffgaff's Intellectual Property Rights and Participant Websites;
          • b) If giffgaff suspects or has reasonable grounds to believe that the Participant has provided incorrect or misleading information to any Member or to giffgaff;
          • c) If any Member tops up SIM Cards provided by the Participant using a stolen, invalid or expired credit or debit card or giffgaff is required to refund a credit or debit card provider in respect of any SIM Card top ups;
          • d) If giffgaff suspects the Participant or Member is otherwise misusing or interfering in any way with the Programme or the giffgaff Network;
          • e) If giffgaff receives a complaint about a Participant; or
          • f) If the Participant has otherwise engaged in conduct which may breach any law or regulation or harm giffgaff’s reputation.

          7.32. Any individual’s personal information obtained under this Programme will be used in accordance with giffgaff’s Privacy Policy, which is available at giffgaff.com.

          7.33. giffgaff accepts no responsibility for any incorrectly completed, lost or delayed registration applications, notices, acceptances or other documents related to the Programme.

          7.34. giffgaff may amend, suspend, withdraw or terminate the Programme at any time and for any reason on at least 30 days’ notice, which will be provided by email to Participants and/or on giffgaff’s website and/or on account. Any rewards genuinely accrued before the date on which the Programme is amended, suspended, withdrawn or terminated as appropriate will be paid as provided by these terms.

          7.35. All decisions by giffgaff on matters relating to the Programme are final and no correspondence will be entered into.

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        8. Our Website

          8.1. Opinions expressed on giffgaff.com are those of the respective contributing users only. Such views do not represent those of giffgaff, its management or employees. giffgaff is not responsible for and disclaims all liability for Content and comments contributed by users.

          8.2. You must not use the Blog or Forum to display any material which is:

          • a) racist, sexist, homophobic, pornographic, obscene, profane, vulgar;
          • b) defamatory of any person, entity or organisation;
          • c) abusive, threatening or otherwise likely to be harmful to those persons likely to use the giffgaff site;
          • d) in contravention of any relevant local, national or international law or which incites or encourages the contravention of any such law;
          • e) otherwise offensive in the opinion of giffgaff;
          • f) infringing of the Rights (including the Intellectual Property Rights) of any legal or natural person; or
          • g) related to the conduct of a business other than giffgaff.

          8.3. You understand that by posting to a Blog or Forum your post/comment can be traced to your specific user account containing your email address, user name, date and time of sign up and IP address at date and time of posting.

          8.4. By posting comments on this Blog or Forum, you agree to allow the content to be re-used or quoted by giffgaff without notification.

          8.5. giffgaff members under the age of 18 must seek parental or guardian consent prior to contributing to the blog.

          8.6. Users sometimes include references to other websites beyond the control of giffgaff. As such giffgaff cannot be held responsible for the content of such websites. We will delete advertising posts as the Blog or Forum is not a means for advertisers to promote their websites or products. giffgaff moderators will decide what is acceptable or not on a case by case basis.

          8.6. You shall retain exclusive ownership of all Intellectual Property Rights, as may accrue to you by operation of law, in any posts, material, commentary, ideas that you post on giffgaff.com or any other website run by giffgaff (together the "Posts").

          8.7. If your Post or any element of it is accepted or implemented by giffgaff, you hereby agree to grant to giffgaff an irrevocable, non-exclusive, perpetual, royalty free, licence to use, copy, install, maintain, modify, enhance and adapt your Intellectual Property Rights in the Post (this licence shall survive the termination of these Terms and Conditions). giffgaff may also assign its licence to use your Intellectual Property Rights in the Post (or any part thereof) to any third party to which it may outsource the operation of a part of giffgaff's operations or business provided such third party's use, copying, installation, maintenance, modification, enhancement and adaptation is solely for the purpose of providing a service to giffgaff.

          8.8. giffgaff shall be the exclusive owner of any Intellectual Property Rights which accrue with respect to any modifications, enhancements and/or adaptations which it makes to the Posts.

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        9. Device Orders

          9.1. This Clause 9 only applies if you have purchased your device from us.

          9.2. All devices purchased from us are for personal (non-business) use only and we reserve the right to prevent purchases of multiple devices that we deem to be excessive.

          9.3. New members will be required to purchase a goodybag as part of their handset order (this does not apply to pre-owned devices). The goodybag is non-refundable without the full return of the device in accordance with term 9.17 and our change of mind policy.

          9.4. Charges for devices will be detailed on giffgaff.com. The cost will be payable at the time of purchase either by a cash payment or using a loan arranged by RateSetter (see Clause 10 below).

          9.5. Any device that we deliver to you is your responsibility. Once you've received it and paid for it, you own the device. This does not affect your rights to carry out any of the actions set out in 9.5-9.7 below.

          9.6. Any returns or refunds in respect of devices purchased from us are subject to our returns policy You may return a device to us once for a full refund within 21 calendar days from the date of delivery and if your device has a fault when it arrives you can return it for replacement or a full refund within 30 days of receiving it.

          9.7. If you are entitled to a refund, you will be refunded the full amount that you have paid for the device when we get the device back from you, less any Charges (as outlined in the returns policy). This refund will come from giffgaff and, if you have taken out a loan with RateSetter, then they will also refund you your payments to date.

          9.8. We'll bear the reasonable postage costs of you returning the device to us with original parts, accessories, free gifts and the original packaging, as long as you follow our returns policy. We reserve the right not to accept returns or repairs unless this process has been followed correctly. We recommend upgrading your postage to include insurance since we will take no responsibility for devices which are damaged in transit or not received.

          9.9. If there is a device fault which develops after 30 days of the device having been delivered to you, then you should book a repair as soon as possible. Your repair could be chargeable if your handset warranty is no longer valid. If another fault has been established on your device, you may be entitled to additional remedies, depending on how long you have had the device for.

          9.10. giffgaff only sells unlocked devices, but some manufacturers impose particular requirements as to how a device must be activated in order to function properly, and geographical limitations on where a device can be used. Please check your device packaging and/or user guide for more information.

          9.11. We can only deliver to a valid UK address and will deliver within 30 days. There are certain circumstances where your order may be delayed:

          • a) orders placed at the weekend or on a bank holiday will require at least one extra working day for delivery (for most postcodes, orders placed on a Saturday or Sunday will normally be delivered on a Tuesday);
          • b) any unforeseen stock shortages. If this happens, we will notify you of any delay;
          • c) certain remote postcodes will require additional time for delivery; and
          • d) if we cannot obtain immediate security clearance for payment of your order. The security of our Members is paramount so these checks are essential to combat fraudulent use of payment and address details.

          9.12. No orders for devices shall be accepted if received from outside the United Kingdom.

          9.13. Despite our best efforts, occasionally products in our online shop may be incorrectly priced and therefore we cannot confirm the price of a product until your order is accepted. In addition, details may be updated from time to time and are subject to change. If we discover a pricing error, or there is a change in price before dispatch, we will contact you to reconfirm your order at the correct price. If we are unable to contact you within a reasonable time, we may cancel your order and notify you of such cancellation. Unless otherwise stated, prices are inclusive of VAT where applicable.

          9.14. You must ensure that prior to placing an order you have checked all relevant details about the products and/or services you have selected. All products and services advertised are subject to availability.

          9.15. The information displayed on giffgaff.com, including prices, does not constitute an offer to enter into a sale agreement and neither we, nor any third parties that offer services via giffgaff.com shall be obliged to accept your orders. If we do, acceptance will be confirmed by email (to the email address supplied by you when the order was placed) and in our dispatching of the Device to you. Where products are sent separately, our acceptance will relate only to those products actually dispatched.

          9.16. One-off payment can be made by Mastercard, Visa, or Visa Debit and payment will be taken from you when the order is placed. You confirm that the credit or debit card that is being used is yours. All credit/debit cardholders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card does not, for any reason, authorise payment to us, we will not be liable for any delay or non-delivery.

          9.17. Only Members can purchase handsets from us.

          9.18. If you cancel your order and return your handset in accordance with our returns policy, you will also be entitled to a refund on your goodybag. You will only receive a refund for your goodybag if your SIM Card has not been activated. You do not need to return your SIM Card to us and you will need to contact an agent independently of returning your handset to receive a refund on your goodybag.

          9.19. You may purchase ‘nearly new’ devices which we refer to as ‘refurbished like new’ devices. These have been returned under the 21-day Change of Mind Policy with no reported faults. They have been tested to ensure that they are fit for purpose and of satisfactory quality, and have been returned to their original condition. Nearly new devices are not provided in original packaging and come with a data cable. No other accessories or user guides are included. They include a 12-month warranty. Your legal rights won’t be affected if you buy a nearly new device.

          9.20. You may also purchase devices which have been through a recycling programme which we refer to as ‘refurbished’ devices. These devices have been tested to ensure that they are fit for purpose and of satisfactory quality so that they are ready for use. These devices are not provided in original packaging but come with a data cable and a SIM key. No other accessories or user guides are included. They include a 12-month warranty. Your legal rights won’t be affected if you purchase a recycled device

          9.21. If you purchase your phone on a date which is covered within the giffgaff free phone accessories voucher offer, you will receive a free phone accessories voucher. The voucher code will be emailed to you 15 days after the date of the phone purchase and valid until the date specified T&Cs of the offer

          9.22. Phone accessories vouchers can be claimed at phonegoodies.co.uk and are valid against the cost of products sold within the online store, excluding any delivery costs. The vouchers are valid for a single use only and are not exchangeable for cash.

          9.23. As our free phone accessories vouchers are valid for a white label site controlled and supplied by Kondor, their terms and conditions also apply to purchases and the redemption of the vouchers.

          9.24. Nothing in this Clause 9 affects your statutory rights.

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        10. giffgaff Member lending scheme

          10.1. This Clause 10 only applies if you have applied for a loan facilitated by RateSetter's loan exchange service through giffgaff, or when purchasing a device on giffgaff.com where such purchase is facilitated by such a loan.

          10.2. The facilitation of your loan is provided as a service to you by RateSetter. In order to take out your loan you will have entered into a contract with RateSetter, and also a loan agreement with the lender you’re matched with via RateSetter’s exchange. Although we may provide you, via giffgaff.com, with information about your loan, this information is provided to us by RateSetter and you should contact RateSetter if you have any queries or wish to take any action in respect of the loan.

          10.3. In order to assess whether or not RateSetter are able to provide you with a loan via its exchange, RateSetter will carry out an independent credit check on you and will use the exchange to identify if there is a suitable lender available. If RateSetter is not satisfied with the credit check results or if there is no suitable lender available to lend at the applicable interest rate, then RateSetter will not be able to facilitate a loan for you.

          10.4. If you exercise your right to cancel a purchase paid with a loan, in accordance with Clause 9.4 above, or the returns policy, you will be deemed to have terminated your loan agreement arranged via RateSetter and we will return the related monies we originally received to fund your device (in the event of handset loans) to RateSetter. RateSetter will remain responsible for refunding any loan payments to you that you have already made.

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        11. Internet Access

          11.1. If you use your SIM Card in a mobile phone which enables access to the Internet (“Mobile Internet Phone”) the following terms and conditions also apply to you.

          11.2. We or our contractual partners may provide links to web sites or resources. We neither accept responsibility for third party web sites or resources nor endorse their content.

          11.3. You understand that you, and not us, are entirely responsible for all the visual, textual or other information that you upload, email or otherwise transmit via Internet access, whether publicly posted or privately transmitted.

          11.4. Your dealings with, and interest in, promotions, services, or merchants found by using your Mobile Internet Phone on or via the Internet are solely between you and the person with whom you are dealing, unless explicitly stated by us. We will not be responsible for any losses or damages that may arise from any such dealings with third parties.

          11.5. Access to secure financial transactions will be dependent on the make and model of your Mobile Internet Phone and the third party supplier of Content.

          11.6. giffgaff is a signatory to the Open Internet Code of Practice and as such are committed to being open and transparent about any traffic management policies. Please see our Key Facts Indicator for more information.

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        12. Limitation of Liability

          12.1. Our liability shall not be limited to you in respect of death or personal injury to any person resulting from our own negligence and any other type of liability which we cannot exclude or limit under the laws of England and Wales.

          12.2. Subject to Clause 12.1, we have no liability to you:

          • a) other than to exercise the reasonable care and skill of a competent mobile telecommunications provider or retailer;
          • b) if we cannot provide the Service to you because of something beyond our reasonable control;
          • c) for losses that haven’t resulted naturally from our breach or that we couldn’t have foreseen, or loss of profit, loss of business, costs, expenses or any other form of financial loss. Nor shall we be liable to you for any loss of income, business or profits (including loss of revenue) or for any loss of data in connection with your use of the Service; or
          • d) for the deletion, loss or corruption of any Content transmitted or maintained by the Network, unless caused by our negligence.

          12.3. Subject to Clause 12.1, our liability to you under the Terms and Conditions will not exceed £3,000.

          12.4. We will provide you with compensation that you are entitled to in accordance with your legal rights.

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        13. Cancellation Rights

          Your right to cancel

          13.1. Subject to Clause 13.2 below, you are entitled to cancel your acceptance of these Terms and Conditions at any time up to 14 days after placing your order for the Service (the “Cooling-Off Period”), provided that you cancel in accordance with our cancellation policy or notify us in writing to Member Services. This does not affect your statutory rights.

          13.2. Please note that by using your activated SIM Card you will be deemed to have accepted these Terms and Conditions. You agree that the Service may start before the end of the Cooling-Off Period. If you have used airtime credit or Bundle prior to cancellation you will not be refunded the used airtime credit or such proportion of the Bundle that you have used as calculated by us.

          Our rights to bar or disconnect your SIM Card

          13.3. Your SIM Card will be disconnected unless, at least once every six months, your Account is used to:

          • a) make at least one call, SMS or MMS to another number (not including calls to emergency services or Member Services);
          • b) make at least one connection to the Internet;
          • c) make at least one airtime credit or Bundle purchase

          13.4. If your SIM Card is disconnected, you will lose any remaining credit or Bundle balance on your Account. giffgaff recycles numbers and we will not be able to reconnect once a number is disconnected and recycled. giffgaff may reconnect you if any disconnection was due to our negligence.

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        14. Mobile phone locking

          Your mobile phone may be locked to another Network. If this is the case, be aware that unlocking your handset may invalidate your handset's warranty and/or permanently damage the handset or the data stored on it, and does not excuse you from any contractual obligations you may have with the original Network owner. Failure to enter the correct unlocking code may result in your mobile phone becoming permanently blocked. We are not responsible for mobile phones blocked in this way.

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        15. Promotions

          From time to time we may invite you to take up offers, additional services or promotions. Those offers, additional services, or promotions may have additional terms and conditions. See promotional terms

        16. Changes to these Terms and Conditions

          We reserve the right to change our Terms and Conditions from time to time. We will notify you of any changes to these terms by posting them on our website at giffgaff.com. We may also notify you by voicemail, text or media message, by means of national advertising campaigns or by email.

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        17. Use and Disclosure of Information

          17.1. Your information is treated in accordance with our Privacy Policy.

          17.2 You authorise us to use and disclose, in the UK and abroad, information about (i) you, your use of the Service (including, but not limited to, phone numbers and email addresses of calls, texts and other communications made and received by you and the date, duration, time and cost of such communications), (ii) how you conduct your account and (iii) the location of your mobile phone, for the purposes of operating your account and providing you with the Service or as required under law to our associated companies or agents, any telecommunications company, debt collection agency or credit reference agency. You agree that the information may be used by other parties in assessing applications for credit from you and members of your household and for debt tracing, credit management and may be used by us or other parties for crime and fraud detection and prevention.

          17.3 If you joined us after 25 May 2018, neither we nor third parties will ever send you marketing information unless you have positively consented to our doing so when you registered with us or under the My profile and settings tab of your Account.

          17.4 You can change your marketing contact preferences at any time through the contact preferences section of your Account (which can be found in My profile and settings). If you're not a registered Member yet, and you wish to opt-out of communications from us, send an email to removeme@giffgaff.co.uk. Neither we nor third parties will ever send marketing information to Members who are opted out of receiving it.

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        18. General

          18.1. If either of us fails to enforce our rights under the Terms and Conditions, it shall not prevent either of us from taking action later.

          18.2. Each sub-clause in these Terms and Conditions operates separately. If any part is found by a court to be unreasonable or inapplicable the other parts will continue to apply.

          18.3. These Terms and Conditions are governed by the laws of England and Wales and are subject to the exclusive jurisdiction of the courts of England and Wales.

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        19. How to Contact Us

          If you need to contact giffgaff Member Service please visit giffgaff.com and click on ‘Contact Us’. The European Online Dispute Resolution site ec.europa.eu/consumers/odr/ allows consumers to submit disputes relating to online purchases with us. If you're unhappy with any part of our service and want to make a complaint please check our Complaints code of practice. This includes the latest information on alternative dispute resolutions.

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These Terms and Conditions relate only to the personal money manager services made available to members of giffgaff Limited (“ giffgaff”) via giffgaff.com or giffgaff.com/gameplan (the “ Website”) and the giffgaff gameplan mobile application (“ App”) (“ Services”). The Services are described in paragraph 4 of these Terms and Conditions.

In relation to providing Account Information Services, which forms part of the Services, giffgaff is registered as an Account Information Service Provider by the Financial Conduct Authority, registration number 791685. Our registered address is 260 Bath Road, Slough SL1 4DX and Company Number is 04196996.

We work with TrueLayer Limited (“ TrueLayer”) to provide the Services to you. TrueLayer is regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information services. TrueLayer’s registration number is 793171 and TrueLayer Terms and Conditions can be accessed here

Please see paragraph 4 for further information about TrueLayer and how we work with them.

During your use of the Services, you will be able to access other services offered by us or our partners. We will let you know where separate terms and conditions apply to your use of those other services.

In these Terms and Conditions, " we", " us" and " our" refers to giffgaff, and " you" and " your" refers to the giffgaff member who is accessing the Service.

If you want to access the Services, you need to accept these Terms and Conditions. By ticking the relevant box when signing up to the Services you are agreeing to be bound by these Terms and Conditions.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE AND/OR THE APP AND SIGNING UP FOR THE SERVICES AS THESE TERMS AND CONDITIONS CONTAIN LEGAL RIGHTS AND OBLIGATIONS.

  1. Our Contract with You

    1.1. These are the Terms and Conditions on which we supply the Services to you. These Terms and Conditions form a contractual relationship between us and you.

    1.2. The Website and the App is operated and provided to you by giffgaff.

    1.3. The Services are provided to you by giffgaff, and your access to and use of the Services is also subject to giffgaff’s general terms and conditions, available here.

  2. Changes to these Terms and Conditions or the Services

    2.1. We may change these Terms and Conditions or your access to the Services at any time. We will keep these Terms and Conditions up-to-date on this page. If we make a significant change, we’ll contact you to let you know or post information on our Forum. The changes will take effect when they are first posted on the Website and/or the App (as applicable).

  3. Signing up to the Services

    3.1. Before you can use the Services, you must become a giffgaff member by registering for a giffgaff account (you can do this by completing the registration form on our Website, found here). Your account will be active once you receive a confirmation email from us. You will then be able to sign up to the Services using your giffgaff account. Once you have consented to us connecting to your bank and your bank has granted us access to your bank account and we’ve successfully connected to it, this contract will come into existence between you and us.

    3.2. You may only register for, use and have access to the Services if:

    • 3.2.1. you are a giffgaff member;

      3.2.2. you are aged 16 years or over (please note that some of the services and products offered through your use of the Services have a minimum age requirement of 18 years. You will not be able to use or access those services if you are under the age of 18 years, and we will not provide those services to you); and

      3.2.3. you are resident in the United Kingdom.

    3.3. You may only use and access the Services on your own behalf and not on behalf of anyone else.

    3.4. You must not allow any other person to use your username, password or other login details and must treat such information as confidential and must not disclose it to any third party. If you believe or suspect that someone else knows your login details, you must contact us as soon as possible.

  4. The Services

    PLEASE READ THIS PARAGRAPH CAREFULLY AS IT EXPLAINS WHAT THE SERVICES ARE AND WHAT EXCLUSIONS APPLY.

    4.1. The Services are provided to you free of charge.

    4.2. In order to provide the Services to you, we need to connect to your bank account, for which we require your consent in accordance with the Payment Services Directive (2015/2366) (PSD II). When you are signing up for the Services we will request your consent to connect to your bank account and to retrieve certain bank account information (as described in paragraph 4.6 below) that we will be able access from connecting to your bank account. You indicate your consent by ticking the relevant box on the consent page of the Website or the App when signing up. If you no longer wish to receive the Services, please see paragraph 7.3 below.

    4.3. Once you have agreed to these Terms and Conditions, you will be directed to your bank who will authenticate you and ask you to authorise access to your bank account. Once this is complete and your bank account is connected, we will retrieve the relevant information from your bank account and you will have immediate access to the Services, which we will provide to you in accordance with these Terms and Conditions. You acknowledge and request that the Services will be provided to you before the expiry of the 14-day statutory cancellation period which starts the day after you accept these Terms and Conditions and ends 14 days later. However, if you wish to cancel your access to the Services, you may do so at any time. Please see paragraph 7.3 for more information.

    4.4. You will be required to renew your consent for us to access your bank account information every 90 days from the date you last gave us your consent. When we require you to do this, we will prompt you when you login to the Website or the App. If you fail to renew your consent, then we will no longer be able to provide the Services to you.

    4.5. Once you are signed up to receive the Services, you will receive the following Services:

    • 4.5.1. A personal money manager service, connected to your bank account, intended to help you to understand what you spend your money on and how you might change your spending habits to meet your financial goals. The service will provide a categorised view of your designated payment account (i.e. your current account). You may also have the ability to compare relevant services through our comparison services.

      4.5.2. The account information service will allow you to securely login to your designated payment account, where your bank will request your consent to allow us to connect to your bank account and retrieve the relevant data as described in paragraph 4.6 below.

      4.5.3. We work with TrueLayer to connect to your bank via a secure Application Programming Interface (" API”) which is built and provided by TrueLayer, to facilitate the login and transfer of the relevant data from your bank to us.

      4.5.4. Once we have connected to your bank account, we will retrieve historical transactions from your designated payment account (how far back we can go will be dictated by your bank); these transactions will mirror the transaction information available to you in your online banking. The transactions will be analysed as part of our provision of the Services to you. For as long as you are subscribed to the Services and we haven’t cancelled your giffgaff membership in accordance with paragraph 7.2, you haven’t failed to renew your consent in accordance with paragraph 4.4 or you haven’t cancelled the Services in accordance with paragraph 7.3, we will continue to retrieve and analyse new transactions from your designated payment account. We retrieve this data periodically, up to 4 times per day.

    4.6. In providing the Services to you, we will retrieve the following categories of data from your bank (please note that some of this data may include personal information about you, which will be governed by our Privacy Policy).

    • 4.6.1. current account transaction data (including details of your incoming and outgoing transactions);

      4.6.2. account balance;

      4.6.3. account name, number and sort code.

    4.7. Your account and transaction data will be used by us to identify product offers that may be appropriate for your circumstances (however, this does not guarantee that there will be appropriate product offers available to you). You may then have the opportunity to apply for the product via the Website or the App. It is important to note that there may be other products available from third parties who are not represented by this Service. We may receive a payment if you choose to take out a product, but this does not influence the suggestions we provide to you.

    4.8. On rare occasions, your bank may deny us access to your bank account which means that we will not be able to provide the Services to you. If your bank does deny us access, then your bank will notify you of this and explain the reasons why.

    4.9. You will appreciate that the information provided to you is based upon information from your bank. We do not have any control over the content of such information and are not responsible if it turns out to be inaccurate.

    4.10. You will appreciate that information provided to you in connection with the Services is given for your guidance and information only. You should not rely on the information we provide to you and we cannot be responsible or liable to you if you do rely on it or take any action based upon it.

    4.11. Whilst we will try to make sure that the Services are available for use as much as possible, we cannot guarantee its availability. You will appreciate that the Services may need to be suspended from time to time for maintenance. We will try to do this at times when we are expecting low usage but cannot guarantee that this will be the case. We are committed to trying to make the Services as virus and bug free as we can. However, no software provider can fully guarantee that its website and/or content is completely virus and bug free. You should therefore use virus checking software and ensure that your software is up to date.

  5. Data protection and privacy

    PLEASE READ OUR PRIVACY POLICY FOR FULL DETAILS ABOUT HOW WE USE YOUR PERSONAL INFORMATION AND FOR DETAILS ABOUT YOUR RIGHTS UNDER DATA PROTECTION LAW

    5.1. In order for us to provide you with the Services, we will need to collect and use certain personal information about you. We will use that information in accordance with applicable data protection laws and our Privacy Policy. Our Privacy Policy explains the types of personal data we collect, what we do with that data, information about third parties that we may use in our provision of the Services and your rights in relation to how we use your personal data.

  6. Marketing

    6.1. When registering to receive the Services, we will ask you if you would like to give your consent to receive marketing information directly from us, and/or selected third parties, for marketing purposes including, amongst other things, to identify and offer you further products, services and offers which we think might interest you.

    6.2. We will only share your personal information with our recommended third-party partners for them to contact you with marketing information about their products and services where you have indicated that you would like us to do so. Once shared, the relevant third party’s privacy policy will apply to their processing of your personal information, not ours. If you’d like to opt-out of receiving marketing from a third party after giving your consent, you can do so at any time by contacting the relevant third party directly.

    6.3. You have the right to opt-out of our use of your personal information to send marketing to you. To withdraw your consent, please update your contact permissions in the “My Profile and Settings” section on your member dashboard. For e-mail marketing, you can click on the unsubscribe link in the relevant e-mail, and for push notifications sent to you via the App, you can switch these off by changing the settings on your mobile device.

    6.4. From time to time, we may ask you to refresh your marketing preferences by asking you to confirm that you consent to continue receiving marketing information from us.

    6.5. Please note that, as part of our delivery of the Services to you, we recommend products and services to you on the Website and App; these may be products and services offered by giffgaff and/or a third-party partner. If you use our car insurance and energy comparison services via the Website or App, we will send you a follow up e-mail which summarises the results of your comparison. If you do not wish to receive details of these products and services, please do not use or access the Services and close your giffgaff account. Please note that we will only send you direct marketing communications if you have opted in to receiving marketing.

  7. Duration of Services and your right of cancellation

    7.1. We will automatically continue to provide the Services to you until they are cancelled in one of the ways set out below or if you do not renew your consent for us to access your bank account information in accordance with paragraph 4.4.

    7.2. We may cancel your membership to giffgaff and cancel your access to any of the Services:

    • 7.2.1. because of your misuse of the Services. Misuse of the Services means use of the Services in a way which is not permitted by these Terms and Conditions or there is fraud; or

      7.2.2. if we stop providing the Services, the Website or the App; or

      7.2.3. if you do not access the Services at least once in every three consecutive calendar months.

    7.3. You may cancel your access to any of the Services if you no longer wish to receive them. You can do this at any time you are accessing the Services by: clicking on the “Remove my account?” button at the foot of the page; or contacting your bank and asking them to revoke our access.

  8. Security

    8.1. Your right to access the Services is personal to you. By agreeing to these Terms and Conditions, you agree that you will keep your login details safe and you will not disclose them to any other party. You must not allow any other person to have access to your giffgaff account and you must keep your username and password confidential.

    8.2. If you think that there is a matter of urgency (e.g. if you think that someone has got access to your password) please contact us immediately through the help page on our website.

    8.3. If you suspect fraudulent activity on your bank account at any time you should contact your bank directly to inform them of this.

    8.4. We reserve the right to suspend your access to the Website, the App and/or the Services if at any time we consider that there is or is likely to be a breach of security or your use of the Website or App is in any way detrimental to us or anyone else.

    8.5. We reserve the right to require you to change any or all of the passwords used by you in connection with the Website, the App or the Services.

  9. Our liability to you

    PLEASE READ THIS PARAGRAPH CAREFULLY AS IT EXPLAINS WHAT LIABILITY WE HAVE TO YOU AND WHAT EXCLUSIONS APPLY

    9.1. There are certain things which we agree we will not exclude or limit our liability to you for. These are:

    • 9.1.1. liability for death or personal injury caused by negligence;

      9.1.2. fraud or fraudulent misrepresentation; or

      9.1.3. any other liability which we cannot limit or exclude under law.

    9.2. Nothing in these Terms and Conditions affects any statutory rights you may have as a consumer.

    9.3. Subject to paragraph 9.1 and 9.2 above, we cannot be responsible to you for loss or damage or any other liability. If we breach these Terms and Conditions or are negligent in providing the Services we will only be responsible for loss or damage that you suffer which is foreseeable; i.e. which is a likely result of our breach or negligence in providing the Services.

  10. Complaints

    10.1. If you wish to register a complaint, please contact one of our member services agents via https://www.giffgaff.com/support/complaints. We will follow a standard procedure in handling your complaint. Further information about our complaints procedure can be found here.

    10.2. If your complaint relates to the account information services provided by us (i.e. our connecting to your bank account), we will provide a final response to complaints about rights and obligations arising under the Payment Services Regulations 2017 (a ” PSR complaint”) by the end of 15 business days after the day on which we received the PSR complaint. In exceptional circumstances, where we cannot send a final response within this period for reasons that are beyond our control, a final response will be sent by the end of 35 business days after the day on which we received the PSR complaint.

    10.3. If you are dissatisfied with our final response you may be entitled to refer your complaint to the Financial Ombudsman Service by writing to Exchange Tower, London, E14 9SR or by e-mail to complaint.info@financial-ombudsman.org.uk. Further information can be found at www.financial-ombudsman.org.uk.

    10.4. You may also refer your complaint to the Financial Ombudsman Service via the Online Dispute Resolution (" ODR") platform at http://ec.europa.eu/odr. The ODR platform helps to resolve disputes between customers and online traders within in the EU. As we are a UK financial services provider, the ODR platform will forward your complaint to the Financial Ombudsman Service.

  11. Miscellaneous

    11.1. By using the Website, the App and/or Services, you acknowledge and agree that all intellectual property rights in the Website, the App and the Services and all aspects of them shall be owned by giffgaff or its licensors.

    11.2. You may take reasonable copies of the information provided as part of the Services solely for your own personal use. You may not use it on a commercial basis or provide it to anyone else. You may not sell it on, republish it, redistribute it, copy (except as permitted above) or adapt it.

    11.3. We shall be under no liability for any delay or failure to deliver the Services or otherwise perform any obligation under these Terms and Conditions if the delay or failure is caused by circumstances beyond our reasonable control.

    11.4. If any portion of these Terms and Conditions is held by any competent authority (such as a court) to be invalid or unenforceable (either wholly or in part) the validity or enforceability of the other portions of these Terms and Conditions shall not be affected.

    11.5. You have a right to receive a copy of these Terms and Conditions at any time. Please contact us by email to request one. These Terms and Conditions are only available in English.

    11.6. These Terms and Conditions do not give any rights to anyone who is not a party to them.

    11.7. These Terms and Conditions and your use of the Website, the App and the Services shall be governed by the laws of England and Wales and you agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to any disputes arising out of or in connection those matters.

  12. How to contact us

    12.1. If you have any questions in connection with the Services, please contact us. You can contact us via our ‘ask an agent’ tool at https://www.giffgaff.com/support/ask.

1. WHO WE ARE AND WHO THESE TERMS AND CONDITIONS APPLY TO

1.1 The information below tells you how you may participate in giffgaff’s member panel (the “giffgaff pioneers”).

1.2 Please read these terms and conditions (the "Terms") carefully before contributing to the Panel through our website, online forum, third party websites and social media (e.g. our Facebook page or groups; our Instagram) and any other applications (together the “Sites”). Please take time to understand these Terms as your membership of the Panel and your continued use of our Sites indicates your acceptance of these Terms and as they may be amended by us from time to time (see paragraph 11 “Changes to these Terms”). The Terms should be read in conjunction with our standard Terms and Conditions and our Community Guidelines, which also apply. If you do not agree with any of the terms, then you should not register or use our Sites.

2. PRIVACY

2.1 By registering to be part of the Panel and using our Sites, you agree to our collection and use of your personal data. Where you provide information to us (whether during registration, participation in an activity or by any other means) you must ensure that the information is accurate and you must not impersonate, imitate or pretend to be someone else. If information that you provide becomes inaccurate, you must notify us immediately of any inaccuracies so we can update your information.

2.2 Personal data (e.g. your name, address, email address) that you share with us is subject to our Privacy Policy and our Cookie Policy, which form part of these Terms. Please review our Privacy & Cookies Policies to understand our practices. Please note that except for your special categories of data (such as any photographs you may provide) for which we will obtain your consent, we will process your personal data on the basis that your personal data is required for us to provide Panel services to you under these Terms. We require your personal data in order to register you as a member of the Panel and for you to continue being a member of the Panel, therefore if you choose to withdraw your consent for us to use your personal data, you may no longer be a member of the Panel.

2.3 You should be aware that any personal data you submit as a contribution to the Panel in a forum viewed by others, for example, on our facebook page, may become publicly available. We are not responsible for the personal data that you choose to include in such submitted content.

3. SHARING YOUR CONTRIBUTIONS & OTHER CONTENT

3.1 In addition to personal data, you may share other information in connection with your Panel membership. For example, you may be invited to participate in questionnaires, polls, focus groups, peer-to-peer chat communities and other research activities (“Surveys”).

3.2 By submitting answers to Surveys, or other ideas, suggestions or comments ("Contributions") to the Panel via our Sites or sites that can be viewed by the public, you acknowledge and agree that: (a) your Contributions do not contain confidential or proprietary information; (b) we are not under any obligation of confidentiality (express or implied) with respect to your Contributions; (c) we can use or disclose (or choose not to use or disclose) your Contributions for any purpose, in any way, in any media worldwide; and (d) you are not entitled to any compensation or reimbursement of any kind from us under any circumstances.

3.3 By posting Contributions to our Sites or sites that can be viewed by the public, you represent that you own or have the right to use all of the content and information you post. Although you will continue to own your Contributions, when you publish content or information to the Sites, you agree not to use it for commercial purposes and you are allowing us to access and use that information. For content that is covered by intellectual property rights (like photos and videos) you grant us a non-exclusive, sub-licensable, royalty-free, worldwide licence to use this content in connection with the Panel and our own marketing communications.

3.4 You are entirely responsible for all contributions that you upload, post, email, transmit or otherwise make available via the Panel.

3.5 We do not have an obligation to review the Contributions posted to our Sites, but you understand that we may refuse to post or remove any of your Contributions at our sole discretion.

4. THIRD PARTY WEBSITES

Our Sites may include or link to other material or websites which are operated by third parties (such as Facebook, Twitter, Instagram) which we do not control. We are not responsible for the content on these websites or materials or any loss or damage that you suffer by accessing them. We suggest that you take some time to familiarise yourself with the terms and conditions and policies of any third-party websites you access from our sites.

5. YOUR COMMITMENT TO OTHER PEOPLES’ RIGHTS

5.1 For the purposes of this paragraph 5 Prohibited Content includes (but is not limited to):

(a) falsehoods or misrepresentations that could damage us or any third party;

(b) content or links to websites that are unlawful, obscene, indecent, abusive, profane, menacing, offensive, defamatory, libellous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, in breach of privacy or confidence or encourage such conduct and/or that would be considered a criminal offence, give rise to breach of contract, break any law, or are otherwise inappropriate;

(c) any illegal or unauthorised copy of work protected by a third party’s copyright, including but not limited to providing pirated computer programmes or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files, or any encouragement to do so;

(d) material that is otherwise subject to third party rights unless you have the relevant permission to use such material and publish it;

(e) impersonation of another person;

(f) advertisements or solicitations of business; or

(g) personal information about another person and/or attempts to solicit personal information from anyone.

5.2 We respect other people's rights, and expect you to do the same. We need your help to keep our Sites safe, which includes the following commitments by you:

(a) You will not knowingly interfere with anyone else’s use or enjoyment of the sites or their personal computer equipment.

(b) You will not post content or create a username/screen name that contains Prohibited Contents or is of a hoax, nuisance, abusive, menacing, offensive or otherwise illegal nature;

(c) You will not post content which infringes or violates the rights (such as the intellectual property rights) of another person or otherwise violates the law;

(d) You will not post unauthorised commercial communications on the sites or use (or license others to use) any content posted to the sites (including your own) for any commercial purpose.

5.3 We may, in our absolute discretion, deem any other content not listed in clause 5.1 to be Prohibited Content. We may edit, move or delete any content that you provide at our sole discretion (whether or not it is Prohibited Content).

5.4 We reserve the right to investigate and take appropriate action against anyone who, in our opinion, is in breach of this paragraph 5, and in particular, includes Prohibited Content in survey responses. Such action includes, but is not limited to, reporting the Prohibited Content and your details to the appropriate law enforcement agencies and removing the Prohibited Content from the survey.

5.5 We reserve the right to suspend you or terminate your access to the Panel, if you are, in our absolute discretion, deemed to have infringed this paragraph 5.

6. STAYING SAFE & SECURE ONLINE

6.2 We recommend that you protect your equipment when you use our Sites. We take reasonable measures to keep our sites free from viruses and defects but we cannot guarantee that use will not result in damage to your hardware, software or any data associated with them.

7. INTELLECTUAL PROPERTY

7.1 Your use of our Sites or being a member of the Panel does not give you the right to access or download any information we post to our sites which shall remain our and our licensors’ intellectual property.

7.2 These Terms do not grant you any licence to use any intellectual property (including our name, any trading name, brand or logo) of giffgaff Limited or our group, or our parent company.

8. PRODUCTS NOT INTENDED FOR RESALE

Any product, service, coupon or voucher offered by us are not intended for resale. Any violation (as determined solely by us) of this provision by a member may result in removal from the applicable survey or termination of your membership of the Panel.

9. OUR LIABILITY

9.1 The sites are provided on an 'as is' and 'as available' basis. We cannot promise that the Sites will be free from errors or omissions, nor that they will be available uninterrupted and in a fully operating condition, or free from viruses or other harmful components. We make no guarantee that all or any features of the Sites will work on any particular device.

9.2 Any content or other materials included in the Sites do not, and are not intended to, amount to advice on which you should rely. Consequently, we do not accept any responsibility or liability for any actions or omissions that you may take in reliance on such content or materials.

9.3 By using the Sites and participating in Surveys, you agree to release giffgaff Limited from any and all liability whatsoever arising in any way from your use, misuse or inability to use the Sites.

9.4 Please read this section carefully because it limits the liability of giffgaff Limited, our parent company, our group and our affiliates, related companies, officers, directors, employees, agents, representatives, partners, and licensors. Nothing in this section is intended to limit any rights you may have which may not be lawfully limited.

9.5 We will not be liable to you for:

(a) Any loss of income, business or profits, or goodwill;

(b) Any loss or damage which was not caused by our breach of these terms or breach of our legal duty of care;

(c) Any loss or damage which was not a reasonably foreseeable result of either our breach of these Terms or breach of our legal duty of care. Loss or damage is "reasonably foreseeable" if prior to you accessing this site such loss was either (i) contemplated by you and by us, or (ii) you notified us that the loss may occur if we breached these terms of use or our legal duty of care; or

(d)Any loss or damage suffered by you as a result of you failing to take reasonable precautions against such loss or damage, such as through installation of anti-virus software.

9.6 Nothing in these Terms excludes or limits our liability for fraud, death or personal injury caused by our negligence or any liability which may not be excluded or limited under any applicable law.

10. YOUR RESPONSIBILITY DURING A CLAIM

You agree to co-operate and assist us in defending any claim brought against us by a third party that arises from your breach of these Terms and you will allow us to handle any such claim.

11. CHANGES TO THESE TERMS

Sometimes we might need to change these Terms. If we do, then we will let you know by posting a notice on our Sites. If you don’t agree with the changes, then please do not visit or use the Sites again (see paragraph 15 “Termination” for how to terminate your participation as a member). By continuing to use our site following changes to these Terms you indicate your consent to the modified terms of use. Please note that your consent to these Terms and your indication that you have read our Privacy Policy is key to your membership of the Panel – without this, you cannot be a member of the Panel.

12. CHANGES TO THE PANEL

Occasionally we may need to modify, add to or withdraw Surveys, content on our Sites, or other aspects of the Panel. We reserve the right to do this without any liability to you.

13. INTERNATIONAL USE

To participate in the Panel you must be resident in the United Kingdom. We make no representation that membership of the Panel, any products or other materials available through the Sites are appropriate or available for use in other countries. If you do choose to access the Sites from other countries, you do so on your own initiative and are responsible for compliance with local laws.

14. ELIGIBILITY

14.1 It is free to register to be part of the Panel but you must be 16 years of age or over. By registering to be part of the Panel you confirm you are 16 years of age or older.

14.2 We have the right to determine which members are eligible to participate in the Panel and any of the Surveys we offer. We can also remove a member from the Panel or a Survey at any time for any reason.

14.3 Only one registration per person for the Panel is allowed and you may not authorise others to participate in Surveys on your behalf except as expressly permitted by us in relation to particular activities.

15. TERMINATION

15.1 You may terminate your participation as a member of the panel at any time, for any reason, by sending an email to memberpanel@giffgaff.co.uk. We may terminate you as a member for any reason, at any time.

15.2 If you unsubscribe your Panel membership, you will be unable to access the Sites for the purposes of the Panel and you will no longer receive emails or other correspondence from us in relation to the Panel. In addition, you will forfeit any incentives or rewards that have not been administered at the time you opt out.

15.3 Our agreement with you under these Terms is in full force and effect while you visit the Sites and/or are a member of the Panel and continues to be so even after your participation ends or is terminated.

16. GENERAL

16.1 Except as set out in paragraph 16.2, a person who is not a party to this agreement shall not have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

16.2 A company in the same group as giffgaff Limited may enforce these Terms as if it were a party to them.

16.3 If we decide not to exercise or enforce a right that we have against you (e.g. as a result of you breaching these Terms), this does not prevent us from doing so at a later date.

16.4 If any provision of these Terms is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable then that invalid or unenforceable part will be deemed deleted from these Terms, such invalidity or unenforceability will not affect the other provisions of these Terms and they will remain in full force and effect.

17. APPLICABLE LAW AND DISPUTES

These Terms shall be governed by and construed in accordance with the laws of England and any disputes will be decided only by the English courts. Any dispute arising in connection with these Terms is subject to the exclusive jurisdiction of the courts of England and Wales.

18. REPORTING ABUSE

Any member of the Panel can send us an email to memberpanel@giffgaff.co.uk to report an abusive comment or action

19. QUERIES

You can contact us by email at memberpanel@giffgaff.co.uk if you have queries about these Terms regarding the member panel.

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