What is Currensea?

• We are Currensea, a payment service that lets You connect Your existing Bank Account to Your Card. The Currensea platform powers a number of different Currensea Services. The specific Currensea Services available to You will be shown when You sign up to Currensea. 
• This bit is important: when You sign up to the United Airlines Debit Card, it is not a bank account. It is a payment card that works with a Mobile App, connected to Your Bank Account via Open Banking. You can only have one Card in Your name:
  
  1. Any reference in these terms or on our website to Your “Card” means Your United Airlines Debit Card issued by Currensea and governed by these Terms (this may be a physical or virtual card depending on what You choose or is available to You when You sign up)
  2. Any reference in these terms or on our website to Your Subscription means Your Card and the Mobile App
  3. Any reference in these terms or on our website to Your “Bank Account” means Your third-party issued bank account which is linked to Your Card
  4. You must have an active Direct Debit when You authorise the payment until the payment has been debited from Your linked Bank Account
  5. For other defined terms please see the glossary at the end of these T&Cs

 Who We are

• Currensea Limited (“We”, “Us”, or “Currensea”) is a company registered in England and Wales with company number 11413946 and whose registered office is at Suite 1 Amersham House, Mill Street, Berkhamsted, Hertfordshire, United Kingdom, HP4 2DT.
• We are authorised by the FCA as a Payment Institution with Firm Reference Number 843507. The head office address is at 25 Wilton Rd, Pimlico, London SW1V 1LW.
• We are also a Mastercard™ Principal Member, with Member Number 256494.

 Who You are

• Currensea requires up to date information about You, which includes Your full name, date of birth, home address, email address and mobile phone number.
• If You change Your name, move address, change Your Bank Account details or change Your contact details (including Your mobile phone number or email address), You must notify Currensea as soon as possible. We may need to carry out additional Know-Your-Customer (KYC) checks to confirm that the details and information You provided are correct. If required, We may perform a soft credit check via a credit reference agency.
• To be eligible for a personal Card, You must:
  1. Be aged 18 or over
  2. Have a valid UK mobile phone number
  3. Have an active UK current Bank Account
  4. Be registered and have access to online or mobile banking

How to contact us

• You can reach Currensea by email at help.unitedairlines@currensea.com, via the contact form in the Mobile App, or call 020 3909 9734 (or +44 20 3909 9734 from abroad), and leave a message.

How Currensea works

• When You sign up to Currensea, You link Your UK Bank Account through Your bank's secure online banking platform or mobile application. We perform a check on Your linked Bank Account to ensure it meets our eligibility criteria. Once linked, You provide Us with the authority to debit Your linked Bank Account for transactions made using Your Card. By linking a Bank Account, You confirm that You have all necessary permissions and authority to do so. You acknowledge and agree that You remain personally and solely liable for all amounts due to Currensea in connection with Your use of the Card. This includes, for the avoidance of doubt, where You or any other named holder of a linked Bank Account disputes Currensea’s rights in respect of an Authorised transaction. Authorised spend using Your Authorised spend using Your Card, will be taken as consent to debit Your linked Bank Account for the GBP/£ equivalent amount, based on the applicable exchange rate.
• For each transaction made, We will send an email to the email address You have provided, identifying the Merchant and the amount of the transaction. Where used for Foreign Spend, the email will also show the exchange rate used and the GBP/£ amount that will be debited from Your Bank Account.
• You have also authorised Us to access information from Your Bank Account, based on the usage conditions in our Privacy Policy. This authorisation and Your Bank Account link is reconfirmed by You each time You access the app or use Your Card. You can update Your linked Bank Accounts via the app at any time.

Costs of using Currensea

• Currensea is a platform powering different Currensea Services. Costs for using the Card services are:
  • The Card is a subscription debit card that enables users to earn MileagePlus^SM miles as they spend in the UK and internationally. For details on how MileagePlus^SM miles are earned, please see the Card Benefits section in this document.
  • Currensea charges a Subscription for its services. Please see the Pricing Plan section below.
  • The Card is also designed to save You money on international purchases. Our Realtime Exchange Rates can be found here.
  • Please note that the exchange rate may change throughout the day, but We will let You know what rate has been applied to Your transaction in Your confirmation email. You can also check the relevant exchange rate via our website or the Mobile App.
  • Whenever You make a payment in a foreign currency using Your Card You will be charged the Realtime Exchange Rate. We may also add an exchange fee, as further set out in these Terms. An additional rate applies to ATM withdrawals over a certain amount per month. Please see the Pricing Plan table for more information. Please note, some ATM providers may charge a separate transaction fee. For the avoidance of doubt, We do not permit ATM withdrawals in GBP/£.

Using Currensea

• When using Your Card to make a transaction, You must have enough funds available in Your linked Bank Account. We will check the balance of Your Bank Account to ensure there are sufficient funds before approving the transaction. Once a transaction has been authorised, We are immediately entitled to collect the funds which will be collected from Your Bank Account via Direct Debit or Faster Payment. If We are unable to collect the funds from Your Bank Account, We may charge You for late payment. Your Card is not a credit card and is not intended for borrowing.
• You will need the Mobile App accompanying the Card to authenticate online payments.
• If the Direct Debit or Faster Payment is unsuccessful, We will contact You regularly and keep trying to collect the funds, or request that these are sent to Us via Faster Payment. If We have still not received the funds after 7 days, We will charge a one-off late payment fee of up to £35. If payment remains outstanding for more than 30 days, We will also charge an additional monthly fee of 25% of the overdue amount (inclusive of any late payment fee) to cover Our costs. Your Card will be blocked until outstanding funds are repaid. Currensea reserves the right to refer any outstanding payments, including any additional fees, to a third party. If further fees are applied by those third parties, these will also be added to the balance. Outstanding payments may be reported to credit reference agencies and negatively impact Your personal credit score. Currensea also reserves the right to terminate our service to You and cancel Your Card.
• You can keep track of how much You are spending via the transaction list in Your Mobile App. 
• Before Your Annual Fee payment is taken by Direct Debit, We will give You at least 14 calendar days’ advance notice of the amount, date and purpose of the payment, unless a shorter notice period has been expressly agreed with You. This notice will normally be provided by email. If we need to change the amount, date or frequency of a renewal payment, We will notify You in advance using the same notice period.
• All Direct Debits are protected by the Direct Debit Guarantee. You can read the full Direct Debit Guarantee wording here: https://www.directdebit.co.uk/direct-debit-guarantee/
• Spend on Your Card is subject to our Fair Use Policy.
• We may block a transaction. Reasons we may do this include:
  • We suspect any criminal or fraudulent activity on Your Card (to protect you)
  • We’re not legally allowed to process the transaction
  • The transaction takes You over Your Currensea spend limits
  • You don’t have enough funds in Your linked Bank Account
  • We’ve had to apply a fee due to uncollected funds
  • Your spend is not in-line with our Fair Use Policy
  • The transaction is for a non-permitted purchase. Details of non-permitted purchases can be found in our Fair Use Policy
• If We do block a transaction, we'll let You know as soon as possible via email. Therefore, please ensure Your contact details are correct.
• We are not responsible for any losses You incur if we do not authorise or block a transaction. Also, We are not responsible if any merchant refuses to accept the Card.

Limits

• Spend limits will be based on Your balance and transaction history, as well as other information We hold on You.
• Your spend limits can be viewed in Your Mobile App. These limits may change over time, in Our sole discretion, and We will let You know if they do. Please note, Your Card cannot be used for ATM withdrawals in the UK.
• Please contact Us at help.unitedairlines@currensea.com if You want to discuss Your limits.

Keeping Your card safe

• You must always keep Your Card and its details safe and never let anyone else use them. You should memorise Your PIN and other security information and keep them secret at all times.
• You must only ever reveal Your card number to make a transaction, report the loss or theft of the card, or if We ask You to. We’ll never contact You to ask You for Your passwords, CVC, PIN, OTP token or full security details. When We contact You, we’ll always check we’re corresponding with the right person by asking You several security questions associated with Your Subscription.
• If Your Card is lost or stolen, or You see unrecognised transactions, You must freeze it immediately via Your Mobile App and contact Us at help.unitedairlines@currensea.com as soon as possible. If You need a new card, We may charge You GBP £5 for a replacement.
• We will usually, but at our discretion, refund You for any unrecognised transactions; reasons for which You may not get a refund include:
  1. You didn't keep Your Card, CVC, OTP, and/or PIN safe (as We have told You above)
  2. You broke the terms of these T&Cs or website Terms of Use
  3. The unrecognised transactions are over 13 months old
  4. You acted fraudulently or with intent or gross negligence
  5. The losses are not the direct result of our actions

Authorised transactions

• All spend using Your Card is deemed as authorised, thereby giving Us the authority to take the funds from Your linked Bank Account via Direct Debit or Faster Payment. This means You must always have an active Direct Debit.
• You will receive an email notification each time a transaction takes place using Card or a daily summary of transactions. If You did not authorise the transaction, You must freeze Your card via Your Currensea dashboard or Mobile App immediately and contact Us at help.unitedairlines@currensea.com as soon as possible. If You have been a victim of fraud, We will usually, but at Our discretion, refund any money You have lost; reasons for which You may not get a refund include that You acted fraudulently or with gross negligence (as listed above).

Purchase protection

• For Your protection, Currensea supports Mastercard™ chargebacks. This may help You reclaim funds if:
  • Your goods do not arrive
  • Your goods arrive damaged
  • Your goods are different from how they were described
  • The Merchant has ceased trading
  • Chargeback requests are reviewed on a case-by-case basis, at Our sole discretion, and will require supporting evidence to be submitted by the Cardholder. If You need to raise a chargeback, please contact Us at help.unitedairlines@currensea.com. 

Marketing preferences

• By providing Your contact details and opting in to receive marketing communications, You consent to receive marketing materials from Currensea and the United MileagePlus Program, and from carefully selected partners. You can opt out at any time. For more details, please see our Privacy Policy.

Our Cards

•  Currensea offers plans for personal customers. Details of our plans can be found here. 
• When You subscribe to one of our plans, You are committed for the full annual Subscription term. No right to cancel within 14 days of sign-up (i.e. no cooling off period) exists. Payment is collected via Direct Debit or Faster Payment. If You choose to end the Agreement before the 12-month term has elapsed, You will be charged for any outstanding payments. If You have activated the Card or received any benefits associated with the Card, including but not limited to MileagePlus miles and/or Welcome Bonus Offers and/or Limited Time Offers (LTOs), You will not be entitled to a full or partial refund of the Annual Fee. If You cancel without having activated or otherwise received any benefits associated with the Card, We reserve the right to retain GBP 5 from any refund to which You are eligible to cover Card issuance and onboarding costs.
• Your Subscription will automatically renew at the end of the term. To prevent this, please get in touch with Us at least 30 days before Your Subscription is due to end.

How to make a complaint

• If You have a complaint, please contact Us at help.unitedairlines@currensea.com and we'll do our best to fix the problem.
• If You're still not happy, You can refer Your complaint to the Financial Ombudsman Service. For more details, You can visit their website at www.financial-ombudsman.org.uk.

Making changes to these Terms and Conditions

• These Terms will be available on our website and through Your Mobile App. If We make any changes, we'll give You two months' notice (unless the change is urgent or due to legal requirements).
• If You don't agree to these changes, let Us know by contacting Us at help.unitedairlines@currensea.com. Once We have checked there are no uncollected payments, we'll cancel Your Card.

Ending Your Subscription

• To cancel Your Subscription, You need to get in touch with Us by emailing help.unitedairlines@currensea.com.
• Cancelling Your Direct Debit is not the same as ending Your Agreement with us. We’ll need to ensure there are no uncollected payments before We can end the Agreement.
• Once we've ended the Agreement, Your Card won't work and You won't be able to access the Mobile App.
• Currensea can end the Agreement (and stop providing any services) by giving You at least two months' notice. We may end the Agreement or stop You using Your Card immediately (and retain any subscription paid and continue to recover any outstanding payments) for any reason, including if We believe you've:
  • Broken any terms of this Agreement or website terms of use
  • Failed to provide satisfactory Know Your Customer (KYC) information or fulfil any due diligence requirement.
  • Used Your Subscription and/or Your Card to break or attempt to break the law
  • Given Us false or inaccurate information at any time, or fail to provide Us (on request at any time during the Agreement) with information We require to verify Your identity
  • Put Us in a position where We might break the law or fail to fulfil our legal or regulatory obligations
  • Been abusive to anyone at Currensea, a member of our community, or anyone at United Airlines.
  • Tried to use a Card or access a Mobile App other than Your own
  • Allowed anyone else access to Your Card or the Mobile App
  • Attempted to get around usage restrictions set by Your Bank Account
  • Where there has been a failed payment from Your Bank Account
  • Where We reasonably believe (in our sole discretion) that Your creditworthiness, and/or transactions on Your Card and/or Your Bank Account fail or fall outside of our fraud and risk modelling assessment

General legal information

Who is this Agreement between?

• This Agreement is between Currensea and You. You cannot transfer any rights or obligations to anyone else.
• We can transfer our rights and obligations in this Agreement if We reasonably think that this won't have a significant effect on Your rights or for legal reasons. When We transfer Our rights and obligations, We will let You know beforehand.

Operation and Suspension of our services

• We cannot and do not guarantee continued and interruption free access to our website, the Mobile App or Our services generally. Our services may become inaccessible due to technical issues which We will use reasonable endeavours and care and skill to resolve, subject to the same being within our reasonable control.
• We will not be liable for any failure or delay in performance of Our obligations caused by events outside Our reasonable control (Force Majeure).

Severability, Waiver and No Agency

• In the event that any term or part of a term of this Agreement is found to be invalid or unenforceable, the remainder of the term and of this Agreement will remain valid and fully in force.
• In the event We elect not to enforce our rights in respect of any breach by You of this Agreement, this does not act as a waiver of that right, or of our right to enforce our rights in respect of subsequent instances of the same, or a different breach.

English law and courts

• The laws of England and Wales apply to this Agreement.
• If these terms and conditions are available in any other language, the translation is for reference only and the English version will apply. English Courts have non-exclusive jurisdiction.

Our right to enforce the Agreement

• If You have broken the Agreement between You and us, and We don't enforce our rights, or We delay in enforcing them, this will not prevent Us from enforcing those or any other rights at a later date.

Entire Agreement

• Only the Terms and Conditions as set out in this Agreement apply (except where external terms are specifically referenced within these Terms and Conditions).

Pricing plan

• We may change our subscription plans and the price of the service from time to time. We will inform You of any upcoming price changes at least 30 days prior to it coming into effect.

Data Sharing

• When a Cardholder applies and is approved for a Card, the Cardholder authorises and expressly consents to the sharing by Currensea of the Cardholder's personal data, including Subscription information, with United Airlines, who may process and host outside of the United Kingdom such personal information, including first name, last name and email address, for administrative purposes and to enable United Airlines and any of its affiliates globally to provide United MileagePlus Program benefits and Card services to the Cardholder in accordance with these Terms, as permitted by applicable law.
• Without a Cardholder's authorisation to Currensea to share such Cardholder’s personal data with United Airlines, United Airlines and its affiliates will not be able to provide the services to the Cardholder in accordance with these Terms.
• Please find more details on how Cardholders' personal data will be processed in Currensea’s privacy policy at https://www.currensea.com/legal/privacy-policy and the United Airlines Global Privacy Policy at https://www.united.com/ual/en/us/fly/privacy.html

Miles Earning Overview: 

• Cardholders will accrue MileagePlus miles only after activating the Card and linking their MileagePlus account with the Currensea United Debit Card account.
• You will receive MileagePlus miles only for Valid Spend, which are purchases for goods and services minus returns and other credits which are eligible for MileagePlus miles earning under the Fair Use Policy in these Terms.
• In addition to the standard MileagePlus miles earned, We may from time-to-time launch promotions to offer incremental MileagePlus miles (bonus MileagePlus miles) whether on its own or through the United MileagePlus Program or other third parties. Such promotional offers will be governed by the terms and conditions of the applicable promotion, as well as these Terms. The terms and conditions of the applicable promotion will be communicated at the time of the launch of such a promotion.
• Cardholders will be able to view all MileagePlus miles earned on the Card in the Mobile App. MileagePlus miles can be viewed by visiting https://www.united.com/en/gb/myunited
• Use and redemption of MileagePlus miles are available only through the United MileagePlus Program’s redemption channels and are governed by the United MileagePlus Program Rules, which are subject to change by United Airlines at any time.
• MileagePlus miles have no monetary value and are not exchangeable for cash.
• Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus® program, including without limitation the Premier® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to Your account. United® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.

Merchant Classification

• Merchants are assigned a specific merchant identification number (ID). We do not control the assignment of these numbers and are not responsible for the ID used by Merchants.
• Sometimes You may expect a purchase to fit within a rewards category, but if the ID assigned to the Merchant was not grouped into that category, as recognised by Currensea, Your purchase may not qualify for a specific Earn Rate or reward.

Card Application and United MileagePlus Membership

• The Card applicant will be responsible for providing their United MileagePlus Membership Number upon Card application approval. If the applicant fails to provide the applicant’s United MileagePlus Membership Number, a new United MileagePlus Membership Number may be generated for the applicant. If an existing United MileagePlus Member receives a second United MileagePlus Membership Number, the two United MileagePlus Member Accounts must be merged into one United MileagePlus Member Account. To merge United MileagePlus Member Accounts, please visit: https://www.united.com/en/us/fly/mileageplus/mileageplus-service-center.html and https://secure.unitedmileageplus.com/MP1202RS.jsp.
• Applicants who are not approved for a Card will not be enrolled in the United MileagePlus Program pursuant to these Terms. Existing United MileagePlus Memberships will not be affected if they are not approved for a Card.

Card Benefits

Miles Earning

• By spending with Your Card, You will be able to earn MileagePlus miles for every GBP £1 of Valid spend as follows:
  • You will earn two (2) MileagePlus miles per GBP £3 (i.e. two thirds (2/3) of a MileagePlus mile per GBP £1) of Valid Spend charged on Your Card in Domestic Spend and European Spend.
  • You will earn four (4) MileagePlus miles per GBP £3 (i.e. four thirds (4/3) of a MileagePlus mile per GBP £1) of Valid Spend charged on Your Card in Non-European Spend.
  • You will earn four (4) MileagePlus miles per GBP £3 (i.e. four thirds (4/3) of a MileagePlus mile per GBP £1) charged on Your Card directly with United via united.com or United app (“On Brand Spend”) regardless of whether it is Domestic Spend or Foreign Spend.
  • You will earn 1 PQP per GBP £15 of Valid Spend charged on Your Card as On Brand Spend or Foreign Spend, up to 2,000 PQP in a calendar year. This can be applied toward Your Premier® status qualification for each program year.
• Miles are awarded as whole numbers only. Any fractional miles earned, whether through the earn rate on Valid Spend above or the Miles Booster below, will be combined and rounded to the nearest whole mile.
• MileagePlus miles will accumulate on Valid spend and will become visible in the Your Mobile App as “pending” MileagePlus miles on a daily basis. The attribution of miles is provisional and subject to verification. Once verification is complete, any eligible MileagePlus miles will appear in Your United MileagePlus Member Account up to 23 days after the end of the week in which the qualifying Card transaction occurred.
• In addition to earning MileagePlus miles for Valid Spend made with Your card, You can earn MileagePlus miles by flying with United^SM, United Express®, Star Alliance™ and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals and online shopping. You will earn miles for card purchases plus the miles offered from the partner. For more details on earning miles visit: https://www.united.com/en/gb/fly/mileageplus/earn-miles.html
• All transactions are subject to our Fair Use Policy, and We reserve the right to disqualify transactions or Cardholders from accruing miles via the Card if found to be in breach of this policy or these Terms, or the United MileagePlus Program Rules.
• Currensea reserves the right to amend the quantum of MileagePlus miles associated with each Earn Rate, or any other Earn Rate applicable at a given time.

United MileagePlus miles

• Your MileagePlus miles can reward You with getaways, unique experiences, or things You love - anything from flights to hotel stays for Your dream vacations. Use them for flights on United and other airline partners, hotel stays, car rentals and more. For details on using miles visit: https://www.united.com/en/gb/fly/mileageplus/use-miles.html
• MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates. For more information, please visit https://www.united.com/en/gb/fly/mileageplus/air-awards.html 

Welcome and other bonuses, rewards, introductory or Limited Time Offers (LTOs) and Other Benefits

• We may offer a welcome bonus to new customers from time to time based on certain spend or other criteria. No welcome bonus will apply when a current Cardholder or a former Cardholder signs up to a new subscription plan. In addition, we may from time to time offer bonuses to existing Cardholders, for example when they renew their Subscription. All bonuses will be subject to specific bonus terms and conditions and/or other relevant (spend related) criteria.
• We may offer rewards, introductory or limited time offers (LTOs) and benefits for new or existing Cardholders or things like referring a friend or using Your Card with specific Merchants. We reserve the right to withdraw or change these offers at any time without notice. Any introductory or limited time offer, rewards, or benefits will be available one time per Cardholder and are limited to one offer per customer unless otherwise explicitly stated.
• These offers are non-transferable and may not be combined with any other discounts, promotions, or offers unless expressly permitted.
• We expect You to enter accurate information when required by our partners in order to collect associated benefits or rewards. Failure to do so may result in the reward being declined or removed.
• If an offer includes specific terms and conditions, those specific terms will prevail over these general Terms in the event of any conflict.
  

Net Valid Spend

• Unless otherwise stated, any spend criteria mentioned in these Terms or other offer specific terms and conditions relate to net Valid Spend. In other words, this would exclude any spend which is not eligible for MileagePlus miles earn and/or other limited spend under the Fair Use Policy and it also does not include any refunds and/or Chargebacks.
  

Miles Booster

• You have the option to activate the “Miles Booster” feature in Your Mobile App. When activated, it allows You to round-up eligible transactions to the nearest 10p or 20p and thereby earn miles at a rate of 1 mile / GBP £0.02. See our help section for more examples.
• This feature can be disabled by You at any time. As with the underlying transaction, this feature is subject to our Fair Use Policy and all MileagePlus miles earned in this way remain pending until verified.
• We reserve the right to amend the terms of this offer, or remove it in its entirety, at any time. We will endeavour to inform You of any upcoming changes to Earn Rates at least 30 days prior to it coming into effect.

General

• Your Card shall be subject to an Annual Fee at such rate as communicated to You under these Terms which may be updated from time to time. The Annual Fee for the second year and for each year thereafter will be charged in the same month every year.
• Currensea reserves the right, at any time and by notice to You in accordance with applicable law, to change these Terms and the qualifying services and/or to suspend or terminate Your Card notwithstanding that such change may result in reducing or extinguishing any related benefits. While Currensea shall make every endeavour to notify Cardholders of such changes, neither Currensea nor United Airlines (including its subsidiaries and affiliates) will be held liable in any manner for failure to do so.
• Currensea and United Airlines (including its subsidiaries and affiliates) will not be liable for a failure to perform any obligations under these Terms if due directly or indirectly to the failure of any machinery or communication system, industrial dispute, war or act of God or anything outside their control. Nor shall Currensea or United Airlines (including its subsidiaries and affiliates) be responsible for any delay by Merchants in transmitting evidence on any Card transaction.
• Currensea is not responsible for the redemption of MileagePlus miles or other benefits or rewards offered as part of the Subscription by United Airlines (including its subsidiaries and affiliates), and Currensea gives no guarantee and has no liability to You for any failure to redeem MileagePlus miles by or receive any other benefits or rewards from United Airlines.
• United Airlines is not a party to the Agreement between Cardholder and Currensea and is not responsible for the Subscription. United Airlines gives no guarantee and has no liability to the Cardholder for any failure by Currensea relating to the Subscription.

MileagePlus miles don't expire and account closures

• MileagePlus miles never expire. This MileagePlus program benefit gives You a lifetime to use Your miles on flights and much more. For more information on expiration of MileagePlus miles, please visit the MileagePlus program rules: https://www.united.com/en/gb/fly/mileageplus/rules.html.

Losing MileagePlus miles

• You will immediately lose all MileagePlus miles that are pending and have not been transferred to the Your United MileagePlus Member Account if Your Subscription is terminated for misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in these Terms.
• Fraud or abuse in relation to the credit of miles to any Cardholders MileagePlus account is subject to appropriate administrative and/or legal action by United Airlines, including the forfeiture of any miles issued and any miles accrued in such account, as well as cancellation of the account and Cardholder's future participation in MileagePlus.

United MileagePlus Program Information

• MileagePlus miles accrued, and benefits or awards issued are subject to the United MileagePlus Program Rules. See https://www.united.com/en/gb/fly/mileageplus/rules.html for complete United MileagePlus Program Rules, including miles earning and redemption terms. United Airlines reserves the right to modify the United MileagePlus Program Rules, and services and benefits may be added or deleted at any time in accordance with the United MileagePlus Program Rules.This may include a change to United MileagePlus Program benefits, if the Card is cancelled, or if You transfer to another Card offered by Currensea and United Airlines.
• United^SM, MileagePlus^SM, Premier^SM, and the United globe design are registered trademarks of United Airlines, Inc. United Airlines^SM is a service mark of United Airlines, Inc. All trademarks are used under license by Currensea Limited. Star Alliance™ is a trademark of Star Alliance Services GmbH. Mastercard™ is a trademark of Mastercard International Incorporated.

Fair Use Policy

In order to ensure that You get the best experience using the Card, there are some fair use limitations to be aware of. We reserve the right to limit the use of, or block Your Card, if We see that You are using it in the following ways:

• Ecommerce micropayments: if You are using the Card solely or frequently for ecommerce micropayments (such as for online games)
• Non-permitted purchases: if You are using Card for any non-permitted purchases. Non-permitted purchases include:
  • Online gambling or betting
  • Dating or escort services
  • Massage parlours
  • Money transfer services (including money service bureaus)
  • Financial products (including prepaid cards, loans, virtual currencies, stocks and bonds, currency and commodity exchanges)
  • Defence or weapons (including manufacturing and/or distribution of weapons, explosives or armaments)
  • Activities undertaken by unregistered or unregulated charities
  • Distribution of non-licensed drugs

If Your Card has been limited or blocked and You disagree with our decision, please get in touch with Us and we’ll be happy to review this. If after further review our decision remains unchanged, we’ll let You know why.

In addition to the above, MileagePlus miles cannot be earned on non-personal spend and certain categories of personal spend. In addition to the categories listed above, Invalid Spend categories include but are not limited to:

• Any payment of UK or European taxes, including HMRC, council tax and any equivalent foreign taxes
• UK or European rent or mortgage payments
• Payment of card fees
• ATM cash withdrawal abroad (for avoidance of doubt, UK ATM cash withdrawal is not supported by the card)
• Payments in relation to financial products (for the avoidance of doubt, this includes any loyalty points purchases)
• Cash recycling schemes
• Payment of UK or European school, university or other educational fees
• Obtaining cash through a transaction which the Cardholder knows will be treated as a purchase of goods and services
• Using the card at a retailer that the Cardholder controls

For customers, such as sole traders, selecting the business expenses option when signing up, broader categories of spend may be available for miles earning, however ATM and counter cash withdrawals and cash recycling schemes are always excluded.

Some categories of government and financial transaction spend may incur a small surcharge, where additional Merchant fee caps have been imposed. Where applicable, confirmation will be provided prior to transaction authorisation. By approving the transaction, You accept the surcharge.

We reserve the right, at our sole discretion, to review any transaction or group of transactions. If We reasonably believe that a transaction or group of transactions has been entered into artificially or fraudulently for the primary purpose of earning miles or other rewards, We may, without prior notice, block the earning of miles on such transactions and take any additional actions deemed necessary, including but not limited to account suspension or termination. We reserve the right to amend this list at any given time, but We will notify Cardholders in advance of any material changes taking effect.

Glossary

The following defined terms are used in these Terms. If You do not understand any of the glossary terms, please contact Us at help.unitedairlines@currensea.com and We will be happy to explain.

Glossary terms