Credits & legal

This legal notice is specific to this website (“Website”) and overrides any other legal notices appearing elsewhere on ser modus websites.By using the Website, you are agreeing to the practices set out in this statement.

You may access certain parts of the Website without registering or providing ser modus with your details.

As the information on the Website may be incomplete, out of date or inaccurate and may contain technical inaccuracies or typographical errors, ser modus ( “we”, “us” or “our”) reserve the right to update the Website at our sole discretion. Thus, such information may be changed or updated without notice.

We reserve the right to make changes to this legal notice. Any changes we may make to this legal notice will be posted on this page and, where appropriate, we will also notify you by e-mail. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages of the Website.

Usernames and Passwords

Where you have registered on the Website and have been provided with a username and password, you agree not to make available your username and/or password to anyone. If there has been a disclosure of your username and/or password, you agree to notify us promptly of such disclosure so that ser modus can take appropriate security measures and to provide you with a new username and password.

Links

Links to other websites are provided by ser modus in good faith and for information only. Ser modus disclaims any responsibility for the materials contained in any website linked to the Website. In addition, a link to a non-ser modus website does not mean that ser modus endorses or accepts any responsibility for the content, or the use, of such website or the products and/or services offered on such website. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojans and other items of a destructive nature.

We use cookies – they help us provide you with a better online experience.By using our website you accept that we may story and access cookies on your device.

What are cookies?

Cookies are small text files which are stored on your computer or mobile device when you visit some websites. They enhance your browsing experience in various ways, such as remembering your preferences, displaying relevant content and ensuring pages function as intended.

What are cookies used for?

Necessary cookies

Some cookies are essential for enabling you to use a website and its features fully and conveniently. For example, when you log in to Online Card Services, our SiteKey™ system recognises the cookie stored on the computer you usually use. If you log in from another computer, you’ll be presented with additional security questions.

Performance cookies

These cookies collect information about how visitors use a website, such as the pages you visit most often and any points at which you experienced difficulty (i.e. where error messages were triggered). This information helps us to identify service improvements. We’re particularly interested in which internet browser you used to visit our website, how long you visited and which pages you looked at.

Functionality cookies

These cookies remember the preferences you make when visiting a website, for example the language you want content to be shown in, or the size of the font. We also use these cookies to test new pages, or to display more relevant product and service advertisements to you based on your activities at our website. They may also be used to provide functionality such as video content, or to monitor and/or record your activities for quality evaluation, training purposes and to ensure compliance with laws and regulations.

Third party cookies

We often enlist the expertise of third party companies to collate and analyse information about customer activities, helping us to identify service improvements. We also use third party cookies to test new pages, or to display more relevant product and service advertisements to you based on your activities at our website.

Targeting cookies

These cookies gather information about your browsing behaviour. Without these cookies, online advertisements you see may be less relevant to you and your interests.

Types of cookie:

Session cookies

These last for the duration of your visit only and are deleted when you close your browser. Session cookies are typically used to track your movements from page to page and to remember the information you enter within that session – often supporting website functionality or security.

These cookies make websites easier to use as you won’t need to repeatedly log in, or re-enter information as you browse. A good example is an application form – perhaps you complete the first few pages, but realise you need to make a change on the first page – the information you entered will be stored, so you don’t need to start all over again.

Persistent cookies

These are stored after your visit and are not deleted when you close your browser. Persistent cookies are typically used to remember your preferences for future visits and are sometimes used to provide targeted advertising based on your activities on a website.

These cookies make websites easier to use as you won’t need to repeatedly select your preferences each time you visit. A good example would be a website with language settings – perhaps you choose to change the content language from English to French. The next time you visit the website, your preference will be remembered.

Want to know more about cookies? The Interactive Advertising Bureau has produced a guide which explains how cookies work and how they are managed – visitwww.allaboutcookies.org to read more.

Cookies we use

Here’s a list of the cookies we use and what they’re for:

Cookie name: Description:
__utma These cookies are linked to Google Analytics, a tool which enables us to track and evaluate your activities at our website, helping us to identify service improvements.
__utmb
__utmc
__utmz
mbnaesDBID These cookies are linked to SAS/CXA Analytics, a tool which enables us to track and evaluate your activities on our website, helping us to identify service improvements.
mbnaesuvt
usy46gabsosd
sc.UserId These cookies enable us to monitor and/or record your activities at our website for quality evaluation, training purposes and to ensure compliance with laws and regulations.
sc.ASP_NET_SESSIONID
mbox We use this cookie to display more relevant product and service advertisements to you, based on your activities on our website.
full Using this cookie we can recognise your device e.g. a Smartphone, so our website is displayed in a format you’ll find easier to use.
mbna_csm_v We use this cookie to provide more relevant product and service information to you, based on your activities on our website.
BIGipServerwww.euapplyonlinenow.com These cookies ensure that functionality on our online application forms perform as intended, so you can complete them without difficulty.
JSESSIONID
UserSession We use this cookie to provide more relevant product and service information to you, based on your location and the type of account you hold with us.
MMTASUUH This cookie enables us to keep track of the advertisements we’ve already displayed to you, so in future we can show you something different.
SiteKeyDeviceCookie Using this cookie we recognise when you’re logging in to our Online Card Services site, so we can complete appropriate security checks.
TLTSID We use this cookie to track your activities at our website.
Language This cookie enables us to store your language preferences, so we can provide content (if available) in that language/format.
ASPSESSIONIDQATSBCAQ These cookies enable us to store information from live-chat conversations completed on our website.
HumanClickKEY
HumanClickSiteContainerID_75444888
HumanClickACTIVE
LivePersonID
cookiePolicyAcknowledged These cookies enable us to store your preference for cookie notifications.
CookieNotification
External links

On our websites you may find links to external websites – these are provided for your convenience, but we don’t endorse, guarantee or monitor products, services, or views which they offer or express. Please be aware that these websites should be covered by their own cookie policies.

Cookie settings

You can control how cookies are placed on your computer or mobile device by changing your internet browser settings (via the ‘Tools’ menu).

You can also allow cookies from specific websites by making them ‘Trusted websites’. Please refer to your internet browser provider for further guidance.

You can delete any existing cookies from your browser, and if you completely disable cookies we won’t gather any further information, but we may still use information collected in the past.

Please note: if you use multiple internet browsers/computers/mobile devices, you’ll need to update your settings on each in order to disable cookies completely should you wish to do so.

Please be aware…

If you choose to block all cookies, you may experience difficulty when using some online services. Some website functionality may not perform as intended, your preferences won’t be stored and you may not receive advertisements about offers which would be relevant to your interests/needs.

Want to know more?

The Interactive Advertising Bureau has produced a guide which explains how cookies work and how they are managed – visit www.allaboutcookies.org to read more.

Cookies do not capture information identifiable to you. All information is encrypted for security.

Cookie policy changes

“ser modus Ltd” may change this cookie policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this cookie policy occasionally so you’re aware of any changes. By using our website you accept this policy and that we may store and access cookies on your device.

This cookie policy was last reviewed in July 2014.

This cookie policy is published by “ser modus Ltd” registered in England and Wales under number 07092339. The registered office address is 55 Hightrees House, Nightingale Lane, London, SW12 8AH. If you need assistance, please contact us .