Smilemore current account ...enjoy the benefits ...smile more
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smilemore current account
...enjoy the benefits
...smile more
525756_CBG_MKT10931.indd 1 09/05/2018 14:10
2 A load of lovely stuff
A load of lovely stuff
Like lovely stuff?
Take your pick – smilemore’s got loads.
The recipe is simple. Take one current account and pack it full of tasty benefits
(just the useful ones, no daft stuff). Try this lot for size.
Designed to make you And just to make sure…
smile more • Co-operative Legal Services advice helpline.
• Worldwide family travel insurance. • T
o help make Online Banking even more
• U
K and European motor breakdown secure we also offer Trusteer Rapport Security
assistance. Software. As a Co-operative Bank customer
this is free for you to download via our
• Mobile phone insurance.
customer website.
• A
n automatic £500 overdraft, of which £260
See page 9 to find out more.
is interest-free. Debit interest of 15.9% EAR†
per annum is charged on the total overdrawn
balance over £260. Subject to status.
Representative example: The advance of credit
of £500 for a 12-month term at an interest rate
of 15.9% EAR† variable charged on the amount
borrowed over the interest free £260 overdraft
facility. Total amount payable £538.16. Interest
is payable each month and the remaining
balance would be repayable in one instalment
at the end of the term.
• Mortgage deals.
• C
hoice of one additional tailored benefit
(see pages 9-10).
EAR stands for Equivalent Annual Rate. This is the interest on the
†
money you borrow, equivalent to if you borrow the money for a
whole year.
525756_CBG_MKT10931.indd 2 09/05/2018 14:10
A load of lovely stuff 3
A load of lovely stuff
Pick an additional benefit, any additional benefit...
Your account’s called smilemore for a good reason. For no additional cost you get to pick one of three great
additional benefits each year. Just choose from these three:
Credit Report Monitoring Airport Lounge Passes Gadget
Enjoy added personal security. For airport travellers. Protect your devices and gadgets.
• Credit Report Monitoring service*. • A
irport lounge passes – four passes per • C
over against theft, damage and breakdown
year to selected airport lounges around the (including faults) for your registered items**.
Start feeling safer – see page 11.
world**.
• Gadget accessories cover included.
Get ready for the off – check in to page 14.
Protect your gadgets – flick to page 10.
For more information, please refer to the Policy Summaries later in this welcome guide. Limitations apply.
A load of smart extras, just £15.50 a month. Nice!
Don’t forget! Bag yourself an additional benefit…
You have 60 days from the date you open your account in which to register your choice, by visiting smile.co.uk/benefits or by calling
0345 602 5783. If we don’t hear from you by then we’ll automatically allocate you with Credit Report Monitoring which will be fixed for up to
12 months. After all, we’d rather you didn’t miss out on any extras! Limitations apply.
*Registration to activate this policy or service is required. You can do this online at smile.co.uk/benefits. Please note: Registration for Credit Report Monitoring service is available online only.
**Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0345 602 5783.
525756_CBG_MKT10931.indd 3 09/05/2018 14:10
4 Sussing out your smilemore account
Sussing out your smilemore account
Worldwide Travel Insurance
Active from the moment you open your smilemore current account.
Covers you, your partner and all dependent children travelling with you whichever is the earlier.
who are 22 years of age or under (including legally adopted, legal ward/ • Cover for holidays involving winter sports activities is not operative if
guardianship, foster and stepchildren) who at the start date of the journey you are 65 years of age or older.
are living at your address or have a term time address, and have no other • There is no cover for trips over 45 consecutive days’ duration.
permanent residence unless they are residing with their other parent.
• Any trip solely within the United Kingdom is only covered where you
Please see the full definition of dependent children within the policy
have pre-booked at least two nights’ accommodation in a hotel,
document for full information.
motel, holiday camp, bed and breakfast, holiday cottage or similar
• Eligible family members are only covered when travelling with account accommodation rented for a fee.
holders.
• If it is a joint account, the first and second named account holders can
• Existing medical conditions and medical conditions under investigation travel independently but the children are only covered when travelling
may affect your cover. with one or both account holders.
• You must notify AXA of any relevant medical condition as detailed within • For joint account holders who are not spouses or partners, cover is not
the policy document, and if this changes notify AXA immediately. provided for the spouse or partner of either account holder.
All medical conditions must be re-notified to AXA at least every 12 months.
• Missed Departure cover is for if you arrive at your international departure
• Excesses may apply to claims. point, from the UK, too late to board your scheduled public transport.
• Trips involving winter sports activities are limited to 21 days in total in • You are not covered for business trips.
any 12-month period.
Provided by AXA Travel Insurance and underwritten by Inter Partner
• There are a number of sports activities and winter sports that are Assistance.
excluded. Please refer to the policy document.
See terms and conditions for full policy details. Limitations apply.
• Cover under your policy will cease when you reach 80 years of age
or when your current account is closed or the policy is cancelled,
IMPORTANT! Existing medical conditions
• If you or any person travelling under this insurance has any medical • Y ou must update AXA on existing medical conditions every year,
conditions, whether these are diagnosed or not (this includes those under not just at the outset.
investigation) you may need to notify AXA. AXA will advise you if this will • You must inform AXA of any change in your health or the health of
affect your cover and whether an additional premium will apply. anyone covered by the policy.
525756_CBG_MKT10931.indd 4 09/05/2018 14:10
Sussing out your smilemore account 5
Sussing out your smilemore account
UK and European motor breakdown cover
Unless you really love engine grease and spanners,
breaking down is a pain. The remedy is simple: your
smilemore breakdown cover is here to help you get back
on the road if something goes wrong.
It features:
• Roadside assistance to repair your vehicle.
• P
ersonal-based breakdown cover for the named account holder(s),
NOT the vehicle.
• R
ecovery for up to eight people and your vehicle to any destination
within the UK.
• Breakdown assistance at your home.
• R
eplacement car for up to one day whilst your vehicle is being fixed or
overnight accommodation or alternative form of transport.
Also good to know
Your vehicle must be roadworthy and in good mechanical condition when
you obtain cover and you must keep it in that condition. RAC has been a breakdown organisation since 1897.
UK and European motor breakdown cover is provided on behalf of smile, • RAC has more patrols per member than any other breakdown provider.
part of The Co-operative Bank, by RAC. • RAC patrols fix four out of five cars at the roadside.
Wheely important! Keep your policy in the car…
Glove compartments – who sticks gloves in them? Better to stick your
smilemore breakdown cover policy in there. It’s vital to have it handy should
you need it. Also, store the emergency assistance number in your mobile:
0800 783 7396.
525756_CBG_MKT10931.indd 5 09/05/2018 14:10
6 Sussing out your smilemore account
Sussing out your smilemore account
Mobile phone insurance
Losing or damaging your mobile phone can drive you mad. And it’s even worse if your phone’s been pinched.
But the mobile phone insurance that comes with your smilemore current account could help.
• Insures up to four handsets up to the value of £1,500 per phone – so • C
over under this policy is limited to up to a maximum of two successful
the family members in your household can benefit too. claims during any 12-month period per account holder.
• C
overs the cost of repair or replacement in the event of theft, loss, • T
here is a policy excess payable for every successful claim. If you have
damage and breakdown (including faults occurring anywhere in an Apple iPhone the excess is £75 and for all other handsets it is £50.
the world). Mobile phone insurance is provided on behalf of smile, part of
• Includes any accessories for your mobile phone if they are lost, The Co‑operative Bank by Lifestyle Services Group Limited and
stolen or damaged at the same time as your mobile phone; you are underwritten by Assurant General Insurance Limited.
covered for these up to a value of £350 (including VAT). That’s cases,
headphones, Bluetooth headsets and other similar items.
• W
orldwide cover means you or your family members needn’t worry
about losing or damaging your phone whilst abroad. Repair or
replacement will be arranged upon return to the UK.
• Y
ou may need to provide proof of purchase to claim under the mobile
phone insurance.
Register your mobile phone!
To help us administer your policy more effectively and to help simplify • IMEI number. The IMEI number is the unique serial number for your
the claims process, you can provide us with your mobile phone details. mobile phone. You can find it by inputting *#06# into your mobile
This can be done through smile.co.uk/benefits phone. It should also be noted on the documentation that came with
or by calling 0344 249 9981. your mobile phone when you purchased it. Your airtime provider may
You will need the following information when registering your handset: also be able to provide it to you.
• Make.
• Model. Cover is subject to the terms and conditions which can be viewed at
• Telephone number. smile.co.uk/benefits. Limitations apply.
525756_CBG_MKT10931.indd 6 09/05/2018 14:10
Sussing out your smilemore account 7
Sussing out your smilemore account
sussed
Looking for a better deal on a mortgage?
The Co-operative Bank offers a competitive range of mortgages. Speak to one of
our qualified mortgage advisers for advice on a mortgage product to meet your
needs and circumstances.
Our mortgages offer:
• Products available with no booking or application fee.
• Dedicated case owning team to process your application efficiently.
• Advice on your mortgage protection needs.
TERMS AND CONDITIONS APPLY. EARLY REPAYMENT CHARGES APPLY.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Visit co-operativebank.co.uk/mortgages or
contact 08000 288 288 for current offers.
525756_CBG_MKT10931.indd 7 09/05/2018 14:10
8 Sussing out your smilemore account
Sussing out your smilemore account
All the benefits that are included in your packaged account can only be taken together – please remember that even though you may not use all of
the benefits, you will still pay for them via your monthly subscription.
IMPORTANT! Your cover and charges
• Y ou may not use or be eligible for all the benefits available on this • Y ou need to ensure that you are not paying for more insurance than
account, however the monthly cost will remain the same. you need, and you must be aware that you may only be able to
• Please check if you already have Travel Insurance, Mobile Phone make a claim on one policy at any one time.
cover and/or Motor Breakdown cover in place with any other provider, • The cost of the account will remain the same regardless of whether
even if it is part of another bank account. If you do, you need to check you use any of the benefits or not and will continue to be charged
whether this product is suitable for your needs. unless or until you ask to change your account.
525756_CBG_MKT10931.indd 8 09/05/2018 14:10
A bit of extra info on our additional benefits 9
A bit of extra info on our additional benefits
Right, time to talk additional benefits
Choose one of three additional benefits available each year. More detail
about each additional benefit is provided below – it should help you
decide which is the right one for you.
Important! Register your selection within 60 days
Once you’ve chosen your additional benefit you must register it. Remember you must
make your selection within 60 days of opening your account. We will then send you a full
information pack telling you everything you need to know. If we don’t hear from you in that
time, we’ll automatically allocate you the Credit Report Monitoring benefit which will be fixed
for up to 12 months – just to make sure you don’t miss out.
Choose from the following three additional benefits:
Credit Report Monitoring* Airport Lounge Passes**
As well as having easy online access to your credit report, you’ll set up • F
our airport lounge passes per year, per account, for the account
a monthly monitoring service which will alert you by text or email of any holder(s) only to enjoy.
significant changes to your credit file.
• If you wish to take guests with you, additional passes can be
Subject to terms and conditions. purchased at £15 per person, per visit.
Subject to terms and conditions.
*Registration to activate this policy or service is required. You can do this online at smile.co.uk/benefits .Please note: Registration for Credit Report Monitoring service is available online only.
**Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0345 602 5783.
525756_CBG_MKT10931.indd 9 09/05/2018 14:1010 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
Gadget**
These days most of us have a few personal gadgets and gizmos.
Read the Policy Summaries
This bundle makes sure they’re covered (but remember, you have to You’ll find the Policy Summaries on the next page. They contain
register them). details about the additional benefits to help you make your decision.
But of course, you can only choose one and don’t forget to register
• W
orldwide cover up to £1,200 per account holder for digital cameras,
it within 60 days.
handheld DVD players, digital camcorders, MP3 players, portable
Sat Nav devices, games consoles and laptops, smart watches and You can register your chosen additional benefit at
wearable technology etc. smile.co.uk/benefits or by calling 0345 602 5783.
If you don’t register within that time, you will be automatically
• R
epair and replacement will be arranged upon return to the UK.
allocated the Credit Report Monitoring additional benefit – fixed for
Maximum combined retail value of £1,200 per account holder.
up to 12 months.
• C
over for theft, damage and breakdown (including faults) occurring
The smilemore current account additional insurance
anywhere in the world.
benefits for Credit Report Monitoring, Airport Lounge
• Insurance for accessories for your gadget which are stolen or Passes and Gadget are provided on behalf of smile (part
damaged at the same time as your gadget, you are covered for these of The Co‑operative Bank) by Lifestyle Services Group
up to a value of £50 (including VAT). That’s a case, headphones Limited and insured by Assurant General Insurance
and similar. Company Limited.
Subject to terms and conditions.
**Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0345 602 5783.
525756_CBG_MKT10931.indd 10 09/05/2018 14:10A bit of extra info on our additional benefits 11
A bit of extra info on our additional benefits
Credit Report Monitoring
Arranged by Lifestyle Services Group Limited
Online access to your credit report – view your credit file and receive Price
monitoring alerts
As well as having easy online access to your This benefit is provided as a benefit of you
credit report, you’ll set up a monthly monitoring – view tips on how to protect your personal being a smilemore current account holder
service which will alert you by text or email of information where you have selected the Credit Report
any significant changes to your credit history. – view useful links to organisations and Monitoring option and that option remains valid.
Giving you the opportunity to act before any services who can help you prevent your The cost is an inclusive part of your smilemore
serious damage is done. information being accessible to others. current account monthly subscription.
Or call our Benefits Helpline on 0345 604 1033. You must be aged 18 years or over to be
Registration and day-to-day usage
eligible for this benefit.
Benefits Customer Services are available:
As a smilemore current account holder,
you are eligible for the service. You must Monday – Friday 8am – 8pm
Credit reports and monitoring
register your details with us online at Saturday – Sunday 9am – 6pm
You will be able to access your online credit
smile.co.uk/benefits providing:
Please ensure that you quote your policy ID and report from our chosen credit reference agency.
• your name and address your full name and address when you call. You will be able to receive monthly alerts of any
art of your smilemore debit card number
• p You will be asked security questions to verify significant changes to your credit file by email
(please have your debit card to hand) your identity. Calls may be recorded or monitored or by SMS text message. To obtain your credit
for training/customer services purposes and/or report, please access smile.co.uk/benefits
• your date of birth.
for the prevention/detection of crime. Your report will be viewable securely online, and
You must keep your secure login details If you prefer, you may write to: we recommend that you save or print a copy.
confidential. Using our website will provide real-time access.
Benefits Customer Services
You can use the website to: If you cancel this benefit or close your account,
Lifestyle Services Group Limited
access to your credit report will end immediately.
• a
ccess the Credit Report Monitoring service P.O. Box 98, Blyth NE24 9DL No warranty is offered or given in relation to the
area of the website and: accuracy of information contained in your credit
Please ensure that you quote your policy
– learn how important it is to protect your report. If you notice entries which you consider
number and your full name and address.
personal information and how its theft and may be inaccurate please contact the credit
use could affect you reference agency directly to discuss these entries.
525756_CBG_MKT10931.indd 11 09/05/2018 14:1012 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
Cancelling the benefit 3. Subject to clause 2 above, access to this In the unlikely event that your query has not
additional benefit will remain in force for been resolved within four weeks of our receiving
1. You have the right to cancel the Credit Report
as long as you have a smilemore current it, we will write and let you know the reasons
Monitoring service at any time, which will
account, and this benefit continues to be why, and what further action we will take.
have immediate effect. However, no alternate
provided as part of the account benefits. Once we have resolved your query, we will
selection will be available until your additional
4. In the event you do not wish to continue this confirm our response in writing.
benefit renewal option is offered to you
by smile, part of The Co-operative Bank benefit, please phone our Benefits Helpline If you are not satisfied with our decision, please
(your current selection will be valid for up on 0345 602 5783. contact the Customer Relations Manager at the
to 12 months from the date you select the address opposite. If after making a complaint
additional benefit). As the Credit Report Enquiries/complaints you are still unhappy, you may contact the
Monitoring service is provided as a benefit We will always be fair and reasonable. Financial Ombudsman Service by writing to:
of you being a smilemore current account Should there ever be an occasion when you
Financial Ombudsman Service, Exchange
holder who has selected the Credit Report feel that we have not provided you with a
Tower, London E14 9SR, United Kingdom.
Monitoring service option, if the connected satisfactory level of service, we would like you
smilemore current account is cancelled or to inform us so that we can do our best to Or you can phone 0800 023 4567
you select another option, access to these solve the problem. or 0300 123 9 123 from a mobile.
benefits ends. If the additional benefit option
does not meet your requirements, We will do everything possible to ensure that Website: www.financial-ombudsman.org.uk
please phone the Benefits Helpline your query is dealt with promptly.
If you purchased your account online you may
immediately on 0345 602 5783 or write to: The easiest way to contact us is to call our
also have the option to refer your complaint
Customer Relations team on 0345 602 5783.
Benefits Customer Services to the Financial Ombudsman Service using
Alternatively, you can write to us at the following
Lifestyle Services Group Limited the Online Dispute Resolution platform.
address, quoting your name, address and
P.O. Box 98, Blyth NE24 9DL The platform has been established by the
policy ID in all correspondence:
2. We may cancel access to this Credit Report European Commission to provide an online
Monitoring service with immediate effect by Customer Relations tool for consumers to resolve disputes
registered letter to you at your last known Lifestyle Services Group Limited about goods and services purchased
address in the event of you submitting any P.O. Box 98, Blyth NE24 9DL online. The platform can be found at
fraudulent or inaccurate information, or for http://ec.europa.eu/consumers/odr
Our staff will attempt to resolve your query
any other valid reason. immediately. If this is not possible, we promise These procedures do not affect your right to
to acknowledge your query within five working take legal action.
days of receiving it.
525756_CBG_MKT10931.indd 12 09/05/2018 14:10A bit of extra info on our additional benefits 13
A bit of extra info on our additional benefits
Other information You can choose whether or not you provide How long we keep your personal
this information to us, but if you decide not to information
Lifestyle Services Group Limited.
do so, we will be unable to provide the benefits
Registered in England No: 5114385 Your personal information will be retained as
under this service agreement.
Assurant House long as necessary for the performance of this
6–12 Victoria Street We will also use your information where we service and for as long as required or permitted
Windsor feel there is a justifiable reason for doing so for by applicable law or regulation.
Berkshire example: carrying out research and analysis
Your rights
SL4 1EN to improve our services; and recording and
monitoring calls. You have a number of rights in relation to the
Data Privacy Policy information we hold about you, these rights
Sharing your information
include but are not limited to: the right to a
Lifestyle Services Group Limited are part of the Your personal information will be disclosed to copy of your personal information we hold;
Assurant, Inc. group of companies. The details other Assurant group companies, and to any object to the use of your personal information;
here provide a summary of how we collect, other entity or service provider contractually withdraw any permission you have previously
use, share, transfer and store your information.
obligated to us for the purpose of performing provided and complain to the Information
For our full Data Privacy Policy please visit
tasks that directly relate to the above-described Commissioner’s Office at any time if you are not
our website by logging into the Credit Report
purposes. satisfied with our use of your information.
Monitoring section of your account benefits at
smile.co.uk/benefits or contact our Your personal information will also be disclosed For a full list of your rights please refer to the full
Data Protection Officer at P.O. Box 98, to public bodies and organisations in order to Data Privacy Policy.
Blyth NE24 9DL or by emailing satisfy our legal obligations, where required.
dataprotectionofficer@assurant.com Please note that there are times when we
Where we send your personal information will not be able to delete your information.
Information that we collect from you This may be as a result of fulfilling our legal
Your information may be transferred to, stored
and regulatory obligations or where there is a
We collect a variety of personal information and processed outside the European Economic
minimum, statutory, period of time for which we
about you including your name, address, Area (EEA). We will not transfer your information
have to keep your information. If we are unable
contact details and date of birth in order that outside the EEA unless it is to a country which
to fulfil a request, we will always let you know
we can provide the benefits of this service. is considered to have equivalent data protection
our reasons.
laws or we have taken all reasonable steps to
Using your information
ensure the company has suitable standards in
The main reason we collect your personal place to protect your information.
information is to enable you to use the benefits
of the service and in order that we can advise
you of any changes to it.
525756_CBG_MKT10931.indd 13 09/05/2018 14:1014 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
Airport Lounge Passes
Arranged by Lifestyle Services Group Limited and provided by DragonPass International
Service summary • A
nnual DragonPass membership (which will Things to know
expire if not renewed).
Airport Lounge access is available to Before you go, simply check the lounge lists
smilemore current account holders who have • F
our inclusive airport lounge visits per within the app or online at
validly selected the Airport Lounge Passes account to enjoy, during each period co-operativebank.co.uk/benefits
option and requested Airport lounge access of membership.
Lounge listings and lounge detail downloads
membership. • A
dditional lounge visits for you or your guests
are available for Android and Apple operated
Airport lounge access is arranged for the will be charged at £15 per person per lounge
devices. Please check your membership guide
registered account holders of the eligible visit and will be debited from your nominated
and online members area for details.
smilemore current account by Lifestyle payment card.
• R
enewal cards normally take up to a week
Services Group Limited utilising the services of
to create and despatch to you. If your card
DragonPass. Your Airport Lounge Pass
is due to expire and you wish to fly soon,
is activated
This service provides: please let us know.
You can now take advantage of our dedicated
• A
ccess to over 800 airport lounges around • T
here is no pre-booking required. If the
DragonPass mobile app and website which
the world – subject to eligibility criteria. lounge is open, has availability and you are
includes information on how to use the service
• W
here a participating lounge is present and eligible, you will be let in. Relax, it’s simple.
(including lounge locations) and your digital
available, lounge access is provided no membership card. Lost, stolen or damaged • A
dmittance to the lounges is conditional
matter who you are flying with or whether DragonPass membership cards are to be upon presentation of a valid DragonPass
you belong to an airline programme. reported immediately to DragonPass, who will card, boarding card and passport.
• A
ccess to business facilities – including arrange for a replacement card. Lost, stolen or Payment cards will not be accepted as
phones, email, internet, fax machines and damaged cards will be deactivated wherever substitutes for the DragonPass card.
even conference rooms in some lounges possible. A charge of £10 will be made for All guest or additional visits will be chargeable.
(where provided). card replacement where more than three card
replacement requests have been made in a
• C
omplimentary refreshments and snacks
12‑month period.
and the chance to relax in peace and quiet
before your flight.
525756_CBG_MKT10931.indd 14 09/05/2018 14:10A bit of extra info on our additional benefits 15
A bit of extra info on our additional benefits
Registered office details:
Data Privacy Policy Sharing your information
Lifestyle Services Group Limited.
Lifestyle Services Group Limited are part of the Your personal information will be disclosed to
Registered in England No: 5114385 Assurant, Inc. group of companies. The details other Assurant group companies, and to any
Assurant House here provide a summary of how we collect, other entity or service provider contractually
6-12 Victoria Street use, share, transfer and store your information. obligated to us for the purpose of performing
Windsor For our full Data Privacy Policy please visit tasks that directly relate to the above-described
Berkshire SL4 1EN our website by logging into the Credit Report purposes.
Monitoring section of your account benefits at
DragonPass International Ltd.
smile.co.uk/benefits or contact our Your personal information will also be disclosed
Registered in England No. 8643888 Data Protection Officer at P.O. Box 98, to public bodies and organisations in order to
173A Ashley Road Blyth NE24 9DL or by emailing satisfy our legal obligations, where required.
Hale dataprotectionofficer@assurant.com Where we send your personal information
Cheshire WA15 9SD
Information that we collect from you Your information may be transferred to, stored
We collect a variety of personal information and processed outside the European Economic
about you including your name, address, Area (EEA). We will not transfer your information
contact details and date of birth in order that outside the EEA unless it is to a country which
we can provide the benefits of this service. is considered to have equivalent data protection
laws or we have taken all reasonable steps to
Using your information ensure the company has suitable standards in
The main reason we collect your personal place to protect your information.
information is to enable you to use the benefits How long we keep your personal
of the service and in order that we can advise information
you of any changes to it. You can choose
whether or not you provide this information to us, Your personal information will be retained as
but if you decide not to do so, we will be unable to long as necessary for the performance of this
provide the benefits under this service agreement. service and for as long as required or permitted
by applicable law or regulation.
We will also use your information where we
feel there is a justifiable reason for doing so for
example: carrying out research and analysis
to improve our services; and recording and
monitoring calls.
525756_CBG_MKT10931.indd 15 09/05/2018 14:1016 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
Your rights Conditions of use 2. Membership.
You have a number of rights in relation to the 1. The scheme. 2.1. Membership of the scheme is annual.
information we hold about you, these rights 1.1. This scheme is jointly provided by 2.2. The membership year is defined as
include but are not limited to: the right to a Lifestyle Service Group and DragonPass the date from which you apply for your
copy of your personal information we hold; International. The Co-operative Bank is not membership and the period of 365 days
object to the use of your personal information; thereafter.
responsible for the operation and running
withdraw any permission you have previously
of the airport lounge access scheme or the 2.3. Membership will be automatically renewed
provided and complain to the Information
airport lounges within the scheme. provided you continue to have the
Commissioner’s Office at any time if you are not
satisfied with our use of your information. 1.2. These terms and conditions will apply qualifying account.
to you once you have activated your 2.4. Should you choose to cancel your Airport
For a full list of your rights please refer to the full membership of the scheme; they are Lounge Pass benefit or switch to a non-
Data Privacy Policy.
separate from the terms and conditions qualifying benefit, your membership will be
Please note that there are times when we that apply to your smilemore current immediately cancelled and your free visit
will not be able to delete your information. account. allocation removed.
This may be as a result of fulfilling our legal 1.3. To access the benefits of the 2.5. If you cancel your membership of this
and regulatory obligations or where there is a scheme you must register online at scheme, you will not be entitled to a
minimum, statutory, period of time for which we smile.co.uk/benefits or over the
have to keep your information. If we are unable refund, reduction or cancellation in the
telephone on 0344 249 9981. monthly fee for your qualifying account.
to fulfil a request, we will always let you know
our reasons. 1.4. Registration will allow you to access the 2.6. If you have pre-paid for any additional
Airport Lounge App on your mobile phone. airport lounge visits, which you have not
The Lounge App can be downloaded from used, these will be refunded to you.
Google Play or Apple App Store.
2.7. Lifestyle Service Group, DragonPass
This app is your digital membership card
International and Co-operative Bank are
for the scheme.
not liable to you or any third party for any
1.5. This service is designed to work as a losses of any nature incurred by you in the
digital service through access to the use of your membership of this scheme.
app provided. Using only the physical This includes the services provided, or not
membership card may mean you cannot provided by the individual lounges or the
access the discounts and information inability to use any part of the membership
which is available to you via the app. scheme.
525756_CBG_MKT10931.indd 16 09/05/2018 14:10A bit of extra info on our additional benefits 17
A bit of extra info on our additional benefits
2.8. If you change your name you must tell 3.5. Additional lounge visits for you or your 3.11. It is the responsibility of the passenger to
Co-operative Bank as soon as possible, guests can be purchased via your Airport ensure they arrive at their departure gate
and before you next use your membership Lounge app, or by calling 0344 249 9981. on time and board their flight. There is no
card. Please allow up to 72 hours for 3.6. The number of guests permitted varies obligation on the lounges to provide flight
name changes to take effect. from lounge to lounge as does the policy information or announcements.
2.9. You must tell DragonPass as soon of individual lounges regarding access for 4. General Terms.
as possible if you lose your physical children. Please check with the individual 4.1. We do not give any warranty for any
membership card, or access to your lounges you plan to use prior to travelling goods or services accessed through,
digital membership card, for example if the to determine their policy on guests and or displayed on, our app or connected
device which you use to access the digital children. website.
membership card is lost or stolen, by 3.7. To access participating airport lounges
calling on 0344 249 9981 (lines open 8am you must show your passport, Severability
- 8pm Monday to Friday and 9am – 6pm boarding pass and your valid digital or 4.2. If any court or competent authority decides
Saturday to Sunday). physical membership card. that any of the provisions of these terms
3. Airport Lounge Access. 3.8. Participating airport lounge staff will record and conditions are invalid, unlawful or
3.1. You are entitled to four free visits to airport your details and communicate them to unenforceable to any extent, the term will,
lounges that are part of the DragonPass DragonPass. This information will be used to that extent only, be severed from the
scheme per membership year. for record keeping, tracking usage and remaining terms, which will continue to be
3.2. The free visit allowance is renewed billing purposes, where appropriate. valid to the fullest extent permitted by law.
each membership year and no unused 3.9. All participating lounges are owned and
visits may be carried over into another operated by third party organisations. Third party rights
membership year. You must comply with the terms and 4.3. A person who is not party to these terms
3.3. If you hold a joint qualifying account, conditions of the individual airport lounges and conditions shall not have any rights
you will be issued with one membership that you choose to visit or use. under or in connection with them under the
number and two physical membership 3.10. In particular, please note that any food and Contracts (Rights of Third Parties) Act 1999.
cards or two access codes for the digital drink, including alcoholic drinks, provided
membership card on the Airport Lounge as part of your lounge visit are only for
App. This means that the four free visits consumption in the airport lounge and are
are shared between the two members. not to be taken out of the lounge.
3.4. Your four free visits can be used only by
the scheme member.
525756_CBG_MKT10931.indd 17 09/05/2018 14:1018 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
Entire agreement Gadget Insurance
4.4. T
hese terms and conditions and any
document expressly referred to in them Arranged by Lifestyle Services Group
constitute the whole agreement between
us and supersede all previous discussions,
Limited and provided by Assurant General
correspondence, negotiations, previous Insurance Limited
arrangement, understanding or agreement
between us relating to the subject matter Demands and needs
of these terms and conditions. We each
Gadget Insurance meets the demands and needs of smilemore current account holders who
acknowledge that, in entering into these
wish to ensure that their gadget(s) and/or those of their family member(s) are covered against
terms and conditions, neither of us relies
theft, damage and breakdown (including faults).
on, or will have any remedies in respect of,
The Co-operative Bank p.l.c. is not providing you with a personal recommendation based
any representation or warranty (whether
on your individual circumstances as to whether this policy is suitable for your needs and we
made innocently or negligently) that is not recommend that you read the Policy Summary on the right.
set out in these terms and conditions or
the documents referred to in them.
Policy Summary Registering your gadget
Nothing in this clause limits or excludes
any liability for fraud. As a benefit of being a smilemore current You must register your gadget(s) to take
account holder, if you have selected gadget advantage of this cover. Please visit
cover as your optional benefit, we will repair smile.co.uk/benefits or call 0345 602 5783
Law and jurisdiction or replace your gadget in the circumstances and follow the procedure. You will need to
4.5. T
his agreement shall be interpreted in summarised below. These are explained in full provide the following information:
accordance with English law and subject to detail in the insurance policy document.
• your name and address
the non-exclusive jurisdiction of the English
We want you to get the most out of this policy,
Courts. • the make, model, and serial number of the
and that means you need to be clear on what
gadget(s)
is and is not covered. The Insurance Summary
and Policy Documents provide details of the • your smilemore current account number
insurance policy, which you must read to and sort code
ensure that the policy meets your needs.
Full terms and conditions of the policy can be • your date of birth.
found in the Policy Document. You may need If you change the gadget or you wish to cover
to review this policy periodically to ensure it a different gadget to the one already registered,
continues to meet your requirements. you must register the new details with us as
soon as possible.
525756_CBG_MKT10931.indd 18 09/05/2018 14:10A bit of extra info on our additional benefits 19
A bit of extra info on our additional benefits
What you are covered for
Summary Description
This policy covers registered gadgets up • Replacing or repairing your gadgets in the event of:
to a combined retail value of £1,200 per – theft
account holder (including VAT) for each
– damage, and
smilemore current account (gadgets
must be owned by the account holder – breakdown (including faults)
(you) or their family members. occurring anywhere in the world.
A family member is a relative living at • Gadget accessories that are stolen or damaged at the same time as your gadget, up to a maximum
the same address. Gadgets must be no value of £50 (including VAT) per claim.
older than three years from new at the
This policy is designed to cover the following or similar devices:
point of registration and no more than
five years old at any time. • PDAs (Personal Digital Assistant).
• Digital cameras, satellite navigation systems.
• Laptops, tablets, portable camcorders (digital or otherwise), portable games consoles
(e.g. PSP, Nintendo Gameboy, GP2X), portable sound and vision devices - smart watches and
wearable technology.
• A games console (e.g. Wii, Xbox, Playstation). Please note, we do not cover the screen used to view
or play the content.
525756_CBG_MKT10931.indd 19 09/05/2018 14:1020 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits
What you are NOT covered for
Summary Description
Excess You need to pay a contribution every time you make a successful claim of:
• Laptops and tablets - £50.
• All other gadgets - £25.
This is the excess. Your excess is payable for every accepted claim and must be paid before your claim
will be settled.
• More than two instances that give rise to an accepted claim for each account holder in any 12-month
period. A full description is in the ‘What you are NOT covered for’ section of the Policy Document.
• Theft, damage or breakdown where you have knowingly put your gadget at risk or you have not
taken care of it. Examples are provided in the ‘What you are NOT covered for’ section of the Policy
Document, which you should read to help you understand the cover.
• Loss of the gadget(s) and accessories in any circumstances.
• Any gadgets which are not registered on your policy at the time they are stolen,
damaged or breakdown.
525756_CBG_MKT10931.indd 20 09/05/2018 14:10A bit of extra info on our additional benefits 21
A bit of extra info on our additional benefits
Duration of this policy Got a question? Need to make a Status disclosure
Your policy will remain in place until it is complaint? This policy has been arranged as part of your
either cancelled by you, or if you close your We want to make sure you’re happy. bank account and is administered by Lifestyle
smilemore current account. Should you need to talk to us, contact us by Services Group Limited (Financial Services
calling 0344 249 9981 or email Register No. 315245) with a single insurer,
Price of your insurance LSG.Customerrelations@lifestylegroup.co.uk Assurant General Insurance Limited (Financial
If after making a complaint you are still Services Register No. 202735).
This policy is provided as a benefit of you being
unhappy, you may contact the Financial
a smilemore current account holder. The cost Assurant General Insurance Limited is
Ombudsman Service by writing to:
is an inclusive part of your smilemore current
authorised by the Prudential Regulation
account monthly subscription. Financial Ombudsman Service, Exchange
Tower, London, E14 9SR, United Kingdom. Authority and regulated by the Financial
Conduct Authority and the Prudential
Cancelling your insurance Or you can phone 0800 023 4567 or
Regulation Authority. Lifestyle Services Group
0300 123 9 123 from a mobile.
You have the right to cancel your insurance at Limited is authorised and regulated by the
any time. No refund is due upon cancellation. Website: www.financial-ombudsman.org.uk
Financial Conduct Authority. All firms’ register
If you purchased your account online you details can be checked on the Financial
If you need to claim may also have the option to refer your Services Register by visiting the FCA’s website
• You should tell us about your claim as soon complaint to the Financial Ombudsman www.fca.org.uk/register or by phoning
as possible and within 28 days of becoming Service using the Online Dispute Resolution 0800 111 6768.
aware of the theft, damage, or breakdown, platform. The platform has been established
and inform the police in the case of theft. by the European Commission to provide an Financial Services Compensation
online tool for consumers to resolve disputes Scheme (FSCS)
• You may need to send us proof that the about goods and services purchased
gadget(s) is yours, which should include the online. The platform can be found at Assurant General Insurance Limited is covered
make, model, serial number and memory http://ec.europa.eu/consumers/odr by the Financial Services Compensation
size (where relevant). Scheme (FSCS). You may be entitled to
These procedures do not affect your right to compensation from the scheme in the unlikely
• We may ask for details on the steps you take legal action. event they cannot meet their liabilities to you.
have taken to report the gadget missing and General insurance contracts are covered
any attempts to recover it.
Need another copy? for 90% of the entire claim with no upper
• You can make a claim at limit. Further information is available from the
This document is also available in large print,
smile.co.uk/benefits or by calling FSCS by calling 0800 678 1100 and online at
audio and Braille, so get in touch with us on
0344 249 9981. www.fscs.org.uk
0344 249 9981 if you’d like to request a copy
in one of these formats. The same applies if you
just need a replacement.
525756_CBG_MKT10931.indd 21 09/05/2018 14:1022 Notes Notes 525756_CBG_MKT10931.indd 22 09/05/2018 14:10
Notes 23
Notes
525756_CBG_MKT10931.indd 23 09/05/2018 14:10smile the internet bank from
Please call 03457 212 212* (8am - 8pm 7 days a week) if you would like to receive this information
in an alternative format such as large print, audio or Braille.
Policy and supplier terms and exclusions apply.
The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street,
Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our
lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of
Lending Practice which are monitored by the Lending Standards Board.
The subscription fee for the smilemore current account is £15.50 debited from the account on the first working day of each month.
*Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or
recorded for security and training purposes.
Information is correct as at 05/2018.
smile.co.uk
MKT10931 05/2018
We like our communications to have an impact on you – but not on the environment. This document is printed using vegetable
oil-based inks on paper which is part recycled, Forest Stewardship Council® certified and made in an elemental chlorine-free process.
525756_CBG_MKT10931.indd 24 09/05/2018 14:10You can also read
