Legal Information

Please click on any of the sections below.

Credit Terms
Website terms of use
Your Privacy
Complaints Procedure
About Us

Credit Terms

Credit limits are subject to status and only available to UK residents aged 18 years and over with a permanent UK address.

For details of key product features please click here.

Beneficial is a trading name of HFC Bank Limited. HFC Bank Limited, registered in England No 1117305, registered office: North Street, Winkfield, Windsor, Berkshire SL4 4TD is authorised and regulated by the Financial Services Authority.

©HFC Bank Limited June 2006. ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system or transmitted on any form or by any means electronic, mechanical, photocopying, recording or otherwise without the prior written permission of HFC Bank Limited.

Website terms of use

Unless otherwise specified, this website is directed solely at those who access this site from the UK. HFC does not make any representation that any product or service referred to in the materials on this website are appropriate for use, or available, in other locations. Those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable.

Certain links, including hypertext links, in our site will take you outside our site. Links are provided for your convenience and inclusion of any link does not imply endorsement or approval by us of the linked site, its operator or content. We are not responsible for the content of any website outside our site.

HFC Bank Limited is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, HFC Bank Limited makes no representations or warranties about the accuracy, completeness or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of HFC Bank Limited howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

Neither HFC Bank Limited nor any of its Directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations on this site are intended to limit any rights you may have as a consumer under common law or other statutory rights which may not be excluded or in any way exclude or limit HFC Bank Limited's liability to you for death or personal injury resulting from our negligence or that of our employees or agents.

This site is optimised for JavaScript enabled browsers. If you do not have a browser that supports JavaScript, functionality of this site will be severely limited.

BROWSER UPGRADE RECOMMENDATION: Netscape Navigator versions 4.05 and earlier plus Microsoft Internet Explorer 4.01 for Macintosh include a security component which expired at the end of 1999. If you use one of these browsers, you may receive warning messages when connecting to certain secure websites such as ours after 31 December 1999. These messages may indicate that your connection cannot be verified, because your security component has expired. Beneficial recommends that users of either of these browsers upgrade their browser as soon as possible in order to avoid such warning messages.

Your Privacy

We know that privacy is important to you. You don't want your personal details available to other people. And you certainly don't want anyone else knowing your financial information.

We make sure we collect and retain your details responsibly. Click on the points below to find out more.

We collect your details responsibly
We keep your details responsibly
Our employees cannot easily access your details
We have appropriate security in place
We limit disclosure of your details to third parties
We require others to maintain confidentiality
This website contains cookies. What are cookies?

We collect your details responsibly
When we collect information from you, we will tell you what we intend to use it for. We collect information from you that will help us conduct your account, manage our business and provide you with the quality of service and products that you expect. We will only request information that is relevant. We don't collect any details to identify you unless you fill in an online application, questionnaire or e-mail. We do collect non-personal data about visitors to our website. This helps us measure how many people visit the site, and identify any improvements we can make.

We keep your details responsibly
We strive to keep details that are accurate and up to date. Our procedures ensure that we will correct any inaccurate or incomplete information as quickly as possible.

Our employees cannot easily access your details
Our procedures and security controls limit employee access to customer information. The only employees who can see your details do so for business reasons. Everyone who works for us knows just how important it is to maintain confidentiality at all times.

We have appropriate security in place
Our up-to-the-minute security standards and procedures prevent unauthorised access to your details.

We limit disclosure of your details to third parties
We only reveal your details or information about your transactions to third parties if:

It is necessary for the performance of your Agreement with us, for example to complete a transaction.
You have given your consent.
It is otherwise required or permitted by law.

In particular, you are entitled to require us, by giving notice in writing, to stop contacting you or giving your details to others for direct marketing purposes.

We require others to maintain confidentiality
If we disclose your details to a service bureau, other businesses, or subsidiaries of HFC Bank Ltd, we ask them to uphold our privacy principles, so that total confidentiality is guaranteed.

This site contains cookies. What are cookies?
Cookies are pieces of information that a website transfers to your computer's hard drive for record keeping purposes. Cookies can make the Internet more useful by storing information about your preferences on particular sites and enabling website owners to provide more useful features to their users.

Cookies contain no name and address information or any information that will enable anyone to contact you via telephone, email or any other means.

Most web browsers are initially set to accept cookies but if you prefer you can set your browser to disable cookies or inform you when they are set. However, given that we may sometimes use cookies you may not be able to take full advantage of our website if you disable them.

Our web pages use tracking technology to enable us to count users who have visited certain pages on our website. We do not use tracking data to access your personal information and it is simply a tool we use to analyse which web pages customers view, in an aggregated manner. If you prefer us not to collect such information, simply set your browser to disable cookies.

Complaints Procedure

At HFC Bank, we aim to provide the highest standards of service and care to our customers.

Our staff are trained to do this, and are committed to providing you with the best possible service at all times. Even the best organisations sometimes make mistakes, and if we do, or we fail to meet your expectations in some other way, we want the opportunity to put things right as quickly as we can. We operate a simple complaint procedure, which aims to resolve any problem quickly and effectively. In addition, HFC Bank subscribes to the Banking Code (www.bankingcode.org.uk), as well as being a member of the Financial Ombudsman Service (www.financial-ombudsman.org.uk) and the Finance and Leasing Association (www.fla.org.uk).

We aim to resolve your concerns within 24 hours, but sometimes it may take longer to put the matter right. Where this is the case, we have set up a 3-step procedure to resolve your complaint quickly and easily.

If you have a complaint, please raise it with our Customer Services department, by telephone or in writing. If you telephone and the matter can easily be put right, we will do so. Where we are unable to do so, or where you have written to us in the first instance, we will write and tell you who is dealing with your complaint and when you can expect a response.
In the unlikely event that you remain unhappy, you can ask for the complaint to be progressed to the next stage where the matter will be reviewed by a Senior Manager. Alternatively, you can contact our team of specialist complaint handlers, care of the following address: HFC Bank Ltd, Customer Complaints Team, PO Box 3607, Birmingham, B3 2QU. We expect that this will bring the matter to a mutually agreeable solution. In the unlikely event that you remain dissatisfied you can ask for the matter to be referred to the Chief Executive Officer which is the third stage of our complaints procedure.
Should you need to write to the Chief Executive's Office a separate investigation will be carried out and the Bank's final response issued to you. This means you have reached the end of our internal complaints procedure, and you may then consider referring your complaint to an external complaint-handling service. This may be the Financial Ombudsman Service or the Finance and Leasing Association (or both).

The Financial Ombudsman Service is an independent adjudicator who can investigate and resolve outstanding disputes between financial services companies and their customers if we have failed to resolve your complaint within 8 weeks of you bringing the matter to our attention. You have the right to have your complaint investigated by the Ombudsman impartially and independently, free of charge, any adjudication by the FOS will not affect your legal rights. The decisions made by the FOS are binding on HFC Bank.

The Finance & Leasing Association (FLA) is the major UK representative body for the UK finance and leasing industry. The FLA campaigns for best practice in lending and leasing, and the FLA Code is intended to assure all customers that they are doing business with reputable organisations. The FLA operates a conciliation and arbitration procedure for customer complaints, which is wholly independent.

A copy of our Internal Complaints Procedures, the Banking Code, the Finance & Leasing Association Code and details of the Financial Ombudsman scheme can be obtained on request from your local branch or Customer Services if required.

About Us

We've got the experience and expertise to ensure that you always get the help and service you need. We are members of the British Bankers Association and the Finance & Leasing Association. We subscribe to the Banking Code and the Finance & Leasing Association (FLA) Code of Practice. These codes are available on the British Bankers' Assocation and Finance & Leasing Association websites.

HFC Bank Limited is a member of HSBC Group. The HSBC Group has more than 90 million customers, making it one of the largest banks in the world. In the UK, we have more than 2,500 employees, based in Birmingham and our Head Office at Winkfield, near Windsor.

HFC Bank Ltd provides credit cards in association with some very well known names including Vauxhall Motors Ltd and over 120 other organisations. Over 2.5 million people in the UK carry one of our credit cards. We also provide personal loan facilities for over 3.5 million people throughout the UK.