terms and conditions of the membership scheme

1.1 Membership card details

1.2 Ownership of card

1.3 Joint membership

1.4 Changing personal details

1.5 Businesses that accept the card

1.6 Card usage

1.7 Changes to the membership scheme

2.1 Registering points on previous purchases

2.2 Businesses excluded from the scheme

2.3 Transactions excluded from the scheme

2.4 Non-UK residency

2.5 Earning points through democratic activity

2.6 Refund or return of goods

3.1 Affinity partners

3.2 Charitable donations

3.2 Gift Aid declaration notice

4. Receiving your payment

5. Spending your share of the profits vouchers

5.1 Exchanging your vouchers

5.2 Lost or stolen card or vouchers

5.3 Share of the profits and tax

5.4 Power of Attorney

6. Cancelling your membership

6.1 How to cancel your membership

6.2 If we cancel your membership

6.3 Death of a member

6.4 Bankruptcy of a member

6.5 Repayment of your share in the profits

7. Data Protection

8. Contacting us about your membership record

9. Appendices

9.1 Appendix 1 - The Co-operative Travel

9.2 Appendix 2 – The Co-operative Financial Services

9.3 Appendix 3 - The Co-operative Funeralcare

9.4 Appendix 4 - The Co-operative Food

9.5 Appendix 5 - The Co-operative Pharmacy 

9.6 Appendix 6 - Motor Group

9.8 Appendix 7 - The Co-operative Electrical

9.9 Appendix 8 - The Co-operative Beds

9.7 Appendix 9 - The Co-operative Legal Services

Welcome to The Co-operative Group

Thank you for choosing to become a member of The Co-operative Group. This document contains a summary of the key provisions affecting individual members but the summary is only a guide. The definitive statement is in the registered rules of The Co-operative Group Limited, which will govern the position if there is any conflict. If you need a copy of the current version of the registered rules you should telephone 0800 023 4708. In addition the document contains some further terms and conditions which you must agree to. English law applies to our relationship with you.


Definitions

The Co-operative Group, Co-operative Group, the Group or we/us is Co-operative Group Limited.
The scheme means The Co-operative membership scheme.
Your card is any card that we give or send to you to use.
Trading period relates to the time you earn your points prior to payment. For the interim payment this period is from 1 January to 30 June. For the full year payment the period is from 1 January to 31 December.

We welcome applications from customers who share our values and principles and are aged 16 years or over.  As a member you are required to hold and retain one share in The Co operative Group and this will be paid for through the deduction of £1 from your first share of the profits payment.  We reserve the right to refuse any application for membership.

You can apply to become a member in the following ways:

• online by visiting www.co-operative.coop/joinnow
• phone by calling 0800 023 4708. When you apply by phone you will be asked to register security details on your membership record. We do this to help us make sure that when you call us in the future we can confirm that we are talking to you and not someone who has stolen your card. This will help to protect you against potential fraud.
• branch or store by application form which you can pick up in our branches or stores.

If you send us an application form to become a member but do not sign the form we will still send you a card. When you use the card for the first time you accept our terms and conditions and rules of The Co operative Group.

1.1 Membership card details 

As an individual member of The Co-operative Group you will receive a membership card.

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1.2 Ownership of the card 

The Co-operative Membership card is issued by and remains the property of Co operative Group Limited. Your card is evidence of your membership and you may be required to produce this in certain circumstances.

 The membership card is not a credit card, cheque guarantee card, debit card or a savings account.

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1.3 Joint membership 

In the event of holding membership jointly, unless you have told us otherwise, the first named person will exercise the membership rights. Share of the profits will be paid to the first named member. The membership card will be issued only to the person exercising the membership rights. The other party will still be able to access financial control of their share account but will not be entitled to a share of the profits. In the event of the death of a joint holder, membership will be held in the name of the surviving joint holder(s).

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1.4 Change in personal details

If you move address please contact the membership helpline on 0800 023 4708 where we will update your details. Please quote your name and postcode to help us to find your record. You will be asked to register or confirm existing security questions.

If you change your name please send written confirmation to The Co-operative Membership, PO Box 3801, Coventry, CV4 8WY enclosing a copy of the relevant documentation i.e. Marriage certificate, change of name deed.

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1.5 Businesses that accept the card 

The Co-operative Membership cards
You can use your membership card at participating Co-operative Group businesses and affinity partners where you see
The Co-operative Membership sticker in the window or door.

Affinity Partners
The Co-operative Group may on a temporary or permanent basis enter into agreements with affinity partners where points or cash rewards are earned for purchases with affinity partners.

Current affinity partners are:

• Phone Co-op

Independent co-operative businesses who accept our membership card are:

• Anglia Regional Co-operative Society
• Chelmsford Star Co-operative Society Limited
• The Midcounties Co-operative
• The Southern Co-operative

There may be other terms and conditions or product and service exclusions that apply if you use your membership card with affinity partners or businesses outside of The Co-operative Group.  You should check with these businesses for full details. The value of the points you earn when you trade with an independent co-operative society will be set by that society based on its financial performance over their trading year. We will pay you these points through your share of the profits payment and they will show on your statement as ‘Independent Co-operative Societies’.

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1.6 Card Usage

The membership card must be signed by the member named on the front of the card. It can only be used by and for the benefit of the member named on the front of the card. You must not use it as a club, charity, trust, sole trader, partnership, company or other kind of business card.

If you would like your share of the profits to be paid to a community group or charity contact the membership helpline on 0800 023 4708.

We do not have to accept that anyone apart from you has any right or interest in the share of profits earned by using your card. (For example if you are purchasing goods or services for someone else.)

You may not transfer any of your rights or duties under this scheme.

The card must not be used by anyone other than the member as evidence of a right to exercise democratic rights unless this is allowed under the rules of Co-operative Group Limited.

1.7 Changes to the membership scheme

We can change the conditions of the membership scheme at any time without giving you notice and at our discretion.

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To earn points you must present your card at the beginning of a transaction at a participating outlet or verify your membership number. If you make purchases online or over the telephone you must quote your membership card number to earn points. Exclusions apply, please see appendices below.

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2.1 Registering points on previous purchases

If you are unable to produce your membership card at the following participating outlets you can register your purchase with them within the time period detailed for all outlets excluding food stores, this must be done at the outlet where you made your purchase:

• The Co-operative Food – Request a forgotten card receipt at the checkout and call 0800 023 4708 within 7 days. You will be asked to register or confirm existing security questions.

• The Co-operative Funeralcare – If a you are not in possession of a membership number at the time of arrangement or when purchasing a funeral plan you can ask the funeral home to contact the membership helpline to obtain and verify the members’ details.

• The Co-operative Travel – Within 7 days from financial balance payment

• The Co-operative Pharmacy – Write your membership number on the reverse of the receipt and return it within 7 days to the branch where you made your purchase and ask the branch to forward to the Membership Contact Centre.

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2.2 Businesses excluded from the scheme

You will not earn points for purchases at the following Co-operative Group outlets:

• Department and Home stores  
• Travel Franchises  
• Cash machine withdrawals or deposits
  

2.3 Transactions excluded from the scheme

There are a number of products and services that we are not able or permitted by law to award points on. For a full list of these products and services please refer to the business specific appendices at the end of this document.

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2.4 Non UK Residency 

Purchases made by residents outside of the UK, the Isle of Man and the Channel Islands will not qualify for the share of the profits payment.

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2.5 Earning Points through democratic activity 

There may be times when you can also earn points for taking part in certain democratic activities and certain membership events run by The Co-operative Group. This is at the discretion of the Group and we will communicate these opportunities at the time of publication of the activity.

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2.6 Refund or return of goods 

If you purchase goods from us and return them for a refund (or cancel/amend a holiday booking) we may remove/amend any points you have earned from your card. This will not apply where this is as a result of a valid holiday complaint.

When a product refund is made after a share of the profits payment has been paid a minus points value will appear on the Share of Profits statement for the start of the next trading year.

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3. Payment Calculation

After the end of each trading period or as frequently as we decide to declare the results, i.e. twice a year, your points will be converted into a cash value. The cash value of the points for the trading period will be agreed at The Co-operative Group’s General Meeting when our members will approve the share of the profits or payout.

At the end of each trading period we will calculate the points you have accumulated. These will be converted into a cash value based on the following formula:

 Proportion of profits approved for share of the profits
                                                                                                            = Value of each point

 Total number of points accumulated by all members 

We will only pay you a share of the profits if you are a member of The Co operative Group at the time of payment and we have recorded evidence of qualifying products or services within the trading period from an eligible Co-operative Group business.

And,

We will only pay you a share of the profits if the value of the points you have earned is greater than the minimum limit for payment, which may vary for each trading period. If the value of the points you have earned is less than the minimum limit for payment we will roll this amount over and add it to the points you earn in the next trading period.

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3.1 Affinity Partners

Co-operative Group Members who receive affinity partner payments will be paid through The Co operative Group share of the profits payments at the rate decided by the affinity partner.

Members of affinity partners earning points in The Co-operative Group’s businesses will have points calculated by The
Co-operative Group at the annual rate declared and paid through the affinity partner at the next available payment.

3.2 Charitable donations

Your share of the profits will be paid to you in whole pounds and pence. Depending on what you have instructed us to do we will pay the odd pence, or 25%, 50%, 75% or your entire share of the profits to the Community Fund and/or other named charities we choose to add. If you donate some of your share of the profits to the community dividend scheme you will be asked if you would like your donation to be treated as gift aid.

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3.3 Gift Aid declaration notice 

If you ticked the box on the application form to donate your odd pence to Gift Aid, this will happen and will go on being donated until you tell us otherwise.

UK charities are currently entitled to 25% tax reclaim using Gift Aid. This means that for every pound you give, the charity will receive an extra 25 pence from the HM Revenue & Customs helping your donation go further.

To qualify for Gift Aid what you pay in income tax or capital gains tax must at least equal the amount the Community Fund will claim in the tax year.

• You can change this declaration at any time by notifying The Co-operative Group on 0800 023 4708 or email membership@co-operative.co.uk
• If in the future your circumstances change and you no longer pay tax on your income and capital gains equal to the tax that the charity reclaims, you must cancel your declaration.
• If you pay tax at the higher rate you can claim further tax relief in your Self Assessment tax return.
• If you are unsure whether your donations qualify for Gift Aid tax relief, refer to help sheet IR65 on the HM Revenue & Customs website (www.hmrc.gov.uk)

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4. Receiving your payment

Payment will be made in vouchers or directly in to your bank account.

Please tell us if you would like to change your method of payment or for further help in understanding the methods of payment on 0800 023 4708, you will be asked to register or confirm existing security questions.

In all cases, you must have remained a member up to the date of issue. Claims will only be accepted for 6 months after the date of issue of this share of profit payment.

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5. Spending your share of the profits vouchers

The vouchers can be used at the following Co-operative Group businesses or where The
Co-operative Membership sticker is displayed.

• The Co-operative Food

• The Co-operative Travel branches operated by Co-operative Group Limited (see Appendix 1)

• The Co-operative Pharmacy

• The Co-operative Funeralcare

• The Co-operative Bank

•  The Co-operative Legal Sevices

• The Co-operative Electrical

• The Co-operative Beds

• Britannia
  

You must present your membership card when you spend your vouchers, and the number on the voucher must be the same as the number on the membership card. We may request proof of your identity.

We will not accept vouchers at the following Co-operative Group businesses:

• The Co-operative Insurance

• Department and Home stores

• The Co-operative Motor Group

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5.1 Exchanging the vouchers for cash

You can only exchange the vouchers you receive for cash at Co-operative Group Retail Food stores, and at branches of
The Co-operative Bank or Britannia.

You must use your vouchers before their expiry date. You should return any out of date vouchers to The Co-operative Membership, PO Box 3801 Coventry CV4 8WY and we will issue replacement vouchers to you.

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5.2 Lost or Stolen cards or vouchers

If your card or vouchers are lost or have been stolen you must tell us immediately. You can do this by phone on 0800 023 4708 or by email at membership@co-operative.co.uk. You will need to give your membership number that appears on your membership card/letter and answer a few security questions.

If we ask you to provide evidence, you must write and provide us with this evidence to: The Co operative Membership, PO Box 3801 Coventry CV4 8WY.

Generally we will replace lost or stolen vouchers however we may give the appropriate authorities any information considered important about the loss or theft of a card or voucher.

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5.3 Share of the profits and tax

With limited exceptions share of the profits payments are not chargeable to income tax when received by an individual member. The share of profits earned on current account and savings products will be paid net of income tax (at the rate specified by law, currently 20%).

If you are completing a tax return the details on your share of the profits statement will be sufficient for this purpose.

Higher-rate taxpayers will need to pay additional tax (the difference between the 20% and the prevailing higher rate. You should declare this on your tax return.

If you pay a fee for your account you will not have to pay income tax on the share of the profits paid to you unless it exceeds the amount of the annual fee you have paid for using the account.

If you do not pay income tax or only pay the 10% income tax rate, you may reclaim any tax paid or overpaid from HM Revenue & Customs. If you wish to reclaim your tax you can request a Section 975 form from us by calling 0800 023 4708.

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5.4 Power of Attorney

If you are no longer able to look after your own affairs you can appoint a power of attorney to operate your card. The power of attorney will be able to request to receive any outstanding share of profits to be paid to you but they will not have any other power such as voting or participating in any democratic activity.

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6. Cancelling your membership

6.1 How to cancel your membership 

You may cancel your membership by calling 0800 023 4708, or by writing to us at The Co operative Membership, PO Box 3801 Coventry CV4 8WY.

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6.2 If we cancel your membership

We value your membership, however as a consumer co-operative, we reserve the right to cancel your membership if you do not purchase goods or services from The Co-operative Group for a period of two years. If you are a paid up member we will write to you at your last known address and give you two months notice of any intention to cancel. During this time you may provide evidence of purchases or other interaction with us (to be determined by us from time to time) and we will reconsider our decision to cancel.

There may be other circumstances where we believe it is inappropriate for an individual to remain in membership/be a member. We reserve the right to cancel an individual’s membership in such circumstances, although we will always communicate the reasons to the member and provide them with the opportunity to discuss this with us before taking a final decision.

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6.3 Death of a member

When we are advised of your death we will cancel your membership.

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6.4 Bankruptcy of a member

A trustee in the bankruptcy of a member may apply to us for repayment of your share of the profits.

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6.5 Repayment of your share of the profits

In the event of your membership being cancelled for any reasons outlined in 6.2, we will retain £1 share and donate it to our charity of the year unless you have advised us that you wish it to be repaid to you. Any arrears of your share of the profits will be paid to you.

We reserve the right to use such money to offset any debts a member may have with us. In the event of the death of a member, payments shall be made to the personal representatives.

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7. Data protection

We take our responsibilities for data seriously.

The Co-operative Group will use your information to:

• Issue your share of the profits payment
• Provide the products and services you need
• Improve the quality of our products and services to you
• Provide you with offers that we believe will interest you.

We may pass your details onto our subsidiaries including The Co-operative Bank and The Co operative Insurance and other
co-operative societies and carefully selected organisations (our “Partners”).

We and/or our Partners would like to tell you by post, telephone and fax – including automated dialling, email SMS, MMS, or other computer methods about a wide range of offers, which may interest you. If you do not wish to receive this information please ring the help line on 0800 023 4708 or tick the relevant box on the application form.

We may monitor or record telephone calls and or emails for security reasons and to improve the quality of our service to you.

When you contact us we will ask you to register security information to help protect your account. If you choose not to register this information you will not be able to manage your account over the phone or online.

Please note that we will disclose personal information to fraud prevention and other agencies to help prevent crime or where we suspect fraud.

You have a right to receive a copy of the personal data that we hold about you. There will be a charge of £10 towards the cost of administration.  To obtain a copy of the personal information we hold on you, please write to the above FREEPOST address or alternatively ring Customer Services on FREEPHONE 0800 0686 727 and ask for a Subject Access Request form.  The form once completed, should be returned with a cheque for £10.00 made payable to ‘The Co-operative Group Limited’.

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8. Contacting us about your membership record

We will accept instructions and queries from you by letter, email, or by telephone. Providing:

• The letter is signed by the cardholder.
• Your email address has been registered with us. This can be done through our website www.co-operative.coop in ‘manage your personal details’ section.
• You complete our telephone security questions.

Any information you send to us in writing or electronically will be held by us for 36 months and then will be securely destroyed.

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9.1 APPENDIX 1 – The Co-operative Travel

To earn points the member must be recorded as the lead name on the booking. Points will not be awarded to members who not recorded as the lead name.

Points are awarded on:

• Points are earned through The Co-operative Travel branches, which display the membership sticker.
• Your points will be awarded to your membership account when you have travelled.
• Points can be earned through The Co-operative Travel Direct call centre and online via www.co-operativetravel.co.uk.
• The basic holiday, which are the standard brochure prices, or view data system prices indicated at the time of purchase.
• Car hire.
• Airport lounge.
• Airport parking.
• Attraction tickets.
• Fully priced travel insurance products.
• Scheduled flight only products.
  
   

Points are not awarded on:

• Purchases made in travel outlets managed for independent co-operative societies.
• On third party partnership discounts.
• Discounted Insurance products.
  The purchase of The Co-operative Travel or Co-operative gift vouchers.
• Surcharges or supplements additional to the basic holiday cost. These include, but are not limited to:
  • Fuel surcharges
  • Flight supplements
  • Single occupancy supplements
  • Under occupancy supplements
• Foreign exchange products

Tour Operators

• We may not award points on selected tour operators from time to time. This is at the discretion of The Co-operative Travel.
• The Co-operative Travel will set the discount level appropriate to individual tour operators and this may change from time to time at The Co-operative Travel’s discretion.
• Information regarding which operators are eligible and what the discount levels are will be available via The Co-operative Travel’s branches.
  

Exclusive Member Benefits

You must be a member at the time of booking your travel arrangements to use a member benefit discount and free gift. If you become a member after you have booked your travel arrangements with us, then you will not be entitled to a member benefit discount or free gift on that booking. This includes travel arrangements that are paid for in installments. If you become a member after you have booked your travel arrangements, but before you pay the final balance, you will be eligible to receive membership points.

9.2 APPENDIX 2 – Financial Services

Points earned from banking and insurance product holdings with The Co-operative Bank, smile The Co-operative Insurance and Britannia are:

i) variable from one payout to another i.e. The Co-operative Insurance The Co operative Bank and Britannia reserve the right to vary the number of points attributable to an insurance or bank product holding between payouts. For details of the most up to date attribution of points to products go to www.co-operative.coop/membership and login to your account, or you can call us on 0800 023 4708.

ii) only earned by individual members on the accounts and policies held in their name when they have maintained all those accounts and policies in order. In addition...

• Policies and products held by businesses on which a member may have an interest will not have points calculated for attribution to that individual member.
• Where a policy or account is held or registered in more than one name and more than one of the parties to the policy or account is a member then the points attributable to that product will be shared pro rata amongst the members who are party to the policy or account.
• If a policy or account held by a member(s) is deemed by The Co-operative Insurance, The Co-operative Bank and or Britannia to be or have been not in order (e.g. there is a repeated and/or prolonged failure to repay an overdrawn balance on a current account or to pay premiums due on a policy) then whether the out of order condition was present at the time of calculation of points or was present in the period since the previous points calculation : The Co-operative Insurance, The Co-operative Bank and Britannia reserves the right to withhold from any current or future points calculation that policy or account deemed not to be/not to have been in order. The Co operative Insurance, The Co operative Bank and/or Britannia working together may also withold from a member(s) holding an out of order policy or account all points attributed to that member from policies or accounts that are in order.

iii) only earned for the duration of the payout period for which the products have been live i.e. where a new policy or product is opened or closed between payouts then only a suitable proportion of points will be awarded (for the payout after the product has been opened or closed).

Points are not awarded on:

• The Co-operative Life and Health Insurance Savings policies (Pensions, Savings and Life & Health Insurance) as profits from these policies are already distributed through the product structure.
• Banking accounts which are in arrears at the closing date for the relevant trading period.
• Accounts where the customer is deceased at the closing date for the relevant period.
• Offshore Savings products, as there are tax benefits attached to these products and the payment of share of profits would have tax implications.
• Products for under 16s will not earn membership points. Members are required to be over 16.
• Affinity products for both savings and Visa will not earn membership points.
• Fixed term deposits and fixed rate ISAs.
• All in force Bonds will not earn membership points but any bond that has matured within a relevant period will receive a share of profits payment for the time it has been a matured product.

Britannia products and services

If you hold an offset mortgage you will earn points at the prevailing rate for savings and mortgage balances.

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9.3 APPENDIX 3 – The Co-operative Funeralcare

Points are awarded on:

• Purchase of our funeral pre-payment plans
• Funeral arrangements
• Non-funeral sales
• Memorial masonry sales.
  

Points are not awarded on:

• Any discounts to be deducted from the qualifying amount
• Charges paid to third parties on behalf of clients are excluded (e.g. cemetery fees, church fees, newspaper notices etc;). These are also known as disbursements
• Funeral, non-funeral or memorial masonry sales paid for in part (or whole) by a redeemed funeral plan/bond are excluded
• Retail funeral, non-funeral or memorials masonry sales (e.g. hospital or local authority contract funerals, other funeral directors etc;) are excluded
• Full payment of the account is to be made within our payment terms. If funeral plans are taken out and paid in full, over a set period by installments or by fixed monthly payments, then the points are applied when the funeral plan is issued.

Who qualifies for a Share in Our Profits Payment?

Only the individual member who pays the account or is the purchaser of a funeral plan can be paid the Share of Profits (e.g. accounts being paid by Solicitor/Bank or non-members do not qualify).

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9.4  APPENDIX 4 – The Co-operative Food

Points are not awarded on:

• Baby milk
• Stamps
• Saving schemes
• National Lottery purchases
• Gift vouchers
• Phone cards
• Continuity programmes
• In-store concessions
• PayPoint
• Newspaper delivery

The scheme is for retail only customers – trade accounts and business-to-business sales do not earn points.

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9.5 APPENDIX 5 – The Co-operative Pharmacy

Points are not awarded on:

• Prescriptions
• Baby milk
• Gift vouchers

Prescription Collection Service / Prescription Collection and Delivery Service

• This offer is available to existing members who use Prescription Collection Service / Prescription Collection and Delivery Service and to members who sign up for either service, at a participating Pharmacy branch.
• Only customers/members who are patients at participating surgeries can be included in the service.
• Prescription Collection Service / Prescription Collection and Delivery Service customers who are not already members of The Co-operative Group must become a member to claim the 250 membership points. Under current UK legislation this reward will not exceed £10.
• The points are a one-off award and only one award can be made for each member.
• Multiple transactions will not be awarded points.
• The 250 points will be awarded in trading period the member signs up to or uses the service and will be paid in the following share of the profits payment.
• We may change or withdraw this offer at our discretion.
  

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9.6 APPENDIX 6 – Motor Group

Points are awarded on:

Service and parts

• Servicing & repairs (including parts & labour)
• All vehicle parts, accessories and merchandise sold from parts or service departments
• Points are earned on the purchase of service plans and applied to the account for the value of the service at the time of the service. If you pay into a monthly payment scheme for your service plan, points will be awarded at the time of the service and not before. For full terms and conditions of the Service Plan, you should contact your dealership.
• Retail only customers – trade and business-to-business sales do not earn points. This includes servicing and repair of company or lease vehicles
• Retail bodyshop repairs.
  

Vehicle and vehicle related sales

• Sale of motor vehicles at the total price paid by the customer
• Points are not awarded for the sale of commercial or fleet vehicles
• Additional products bought at the time of vehicle sale will earn points. These are:
  • GAP insurance
  • Paint protection
  • Upholstery protection
  • Extras including mats, mud flaps, audio equipment
• Points will be awarded for the total amount spent on the purchase of the vehicle. This will include part exchanges. Where the value of the part exchange exceeds the purchase price of the vehicle being bought points will not be earned on the difference refunded to the customer.
• Motability purchases earn points for the total amount spent
• For vehicles paid for in part payments points are earned in the trading period when the final balance is paid. Points are applied when the deal is concluded and not paid in stages, i.e. on initial deposits and then when the balanced is paid
• Vehicles bought on finance earn points.
  

The individual purchasing and paying for the vehicle must be a member to earn membership points. For purchases in joint names the registered keeper (providing they are a member) will be awarded the membership points. Members can only receive points for vehicles, servicing or parts for vehicles registered to their home address.

For purchases made in joint or multiple names only one person can receive points for the amount spent.

The Co-operaticve Motor Group may include or exclude offers from the scheme that maybe provided through a third party.

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9.7 APPENDIX 7 – The Co-operative Electrical

Points are not awarded on:

• Delivery charges when in force
• Extended warranty insurance.

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9.8 APPENDIX 8 – The Co-operative Beds

Points are not awarded on:

• Delivery charges when in force

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9.9 APPENDIX 9 – The Co-operative Legal Services

Points are awarded on:

• Wills and Conveyancing only. For Wills, membership points are allocated following full payment of your Will. For Mirror Wills, membership points will be allocated to one individual member only.
• Our Conveyancing service points are allocated on completion. (If you sell or buy another property using our Conveyancing service we will reward you with points for each transaction.) Points will be allocated to a single member irrespective of joint allocations.

Points are not earned on the following services:

• Personal injury
• Probate

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