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We are testing changes to our Membership Scheme in some of our food stores. Changes are clearly displayed and explained in these stores.
When we say “we”, “us” and “our” or “Co-op”, we mean the Co-operative Group Limited and, where the context requires, our subsidiaries from time to time. When we say “you” and “your”, we mean the person whose name is on the front of the card (or if it’s a temporary card, the person who picked it up and paid for it).
When you use your Co-op Membership card you accept these terms and conditions.
As we’re a co-operative, you need to read these terms and conditions alongside our Rules and Regulations. When we refer to our “Rules” we mean the Rules of the Co-op (which may change from time to time) and when we say “Regulations” we mean the Purchases Regulations of the Co-op (which may change from time to time) and any other relevant regulations referred to in the Rules.
Where there’s a conflict or discrepancy between these terms and conditions and our Rules and Regulations, our Rules and Regulations come first. You can find our Rules and Regulations at www.coop.co.uk/corporate/investors/governance. If you'd like a copy of them you can contact us:
There are some words that we've capitalised in these terms and conditions. This is because they have a particular meaning which is set out in our Rules. This includes Qualifying Purchases which are purchases that earn points (that count towards your share of our profits) and other rights as set out in the Rules and Appendix 2.
These terms and conditions together with the Rules and Regulations set out the rights you have as a Member under our Rules and the additional benefits you're entitled to under these terms and conditions. When we talk about these rights and benefits in this document, we refer to it as the “scheme”.
Anyone who shares our Values and Principles and wants to do business with us is welcome to join.
To become a Member you have to pay £1. That £1 buys you one share in the Co-op.
You can apply to become a Member:
When you apply to become a Member we’ll ask you for some personal details – including your full name, date of birth, home address, email address and how you’d like us to stay in touch. We’ll also ask you to set up a secure password for your online Membership account to help protect you against fraud.
We will never ask you for your password.
We'll use your email address to contact you for service matters regarding your Membership and for marketing if you’ve given us permission.
Once you’ve registered, you can start to benefit from being a Co-op Member. Depending on which business you’re trading with you may get something for you and/or something for your community. You can find out more about these benefits by taking a look at Appendix 1.
If you’re younger than 16 you can only become a Member if your parent or guardian applies for you. You’ll then become a junior Member, which means you’ll be able to get the benefits under these terms and conditions and build up points (and receive a share of our profits, if there are any). But you won’t be able to have a say in how our business is run (for example, voting at Co-op general meetings) or stand for election until you turn 16 (as set out in our Rules). You can get involved and provide feedback and/or participate in opportunities that can help shape our products and services.
Once you've registered as a Member we’ll send you a Membership card. You can only have one Membership account at a time. This card proves that you’re a Member – so we may ask to see it when you do things like attend Co-op general meetings.
Your Membership card (or temporary card) and any 5% or 1% rewards you've built up on it, belong to us. We’ve the right to take them back or change these terms and conditions at any time – take a look at section 14 which explains this.
Your Membership card (or temporary card):
You can't give or transfer your rights or duties as a Member to anyone else (for example, you can't give your card to someone to earn your 5% or 1% reward, benefit from exclusive member prices or get points).
You're responsible for keeping your Membership card safe. If you lose it or someone steals it and uses it, we’re not responsible for any losses or damages that happen as a result.
If you’re not already a Member you can buy a temporary card at any of our Food stores as long as you:
Your temporary card costs £1. You'll need your temporary card number to keep the rewards you have earned when you apply to be a member. If and when you register as a Member with your temporary card the £1 you paid for the temporary card will be used to pay for your share in the Co-op. If you decide not to apply to be a Member you can’t get your £1 back.
You need to register to be a Member within 12 weeks of the first use of your temporary card or your temporary card will expire. Please note that if you don't register your temporary card within 12 weeks of when you first used it, we will cancel it and you will lose any rewards or rights that you’ve earned on it.
You can only have one temporary card at a time. If your card is lost or stolen or cancelled, you won't get back any of the rewards or other rights you earned on the missing card or the £1 you paid for it. If your card expires or is cancelled, we will use any rewards towards the administration costs of the Membership scheme.
We may cancel your temporary card at any time if you:
If you've a temporary card you'll start earning rewards when you make eligible purchases and use your temporary card. You’ll also start building up points if you make Qualifying Purchases. But you won't be able to spend your 5%, give your 1%, benefit from exclusive member prices or offers or be entitled to other Membership rights until you’ve registered as a Member.
Once you've registered as a Member we’ll send you a new Membership card with the same number as your temporary card.
You can manage your Membership account online at www.coop.co.uk/membership.
If someone uses your password or personal details to access your Membership account because you haven’t kept them safe we’re not responsible for anything that happens as a result.
You can access your Membership account, change your name or address or check your rewards (your 5% and 1%) and/or other rights you’ve built up and change your preferences:
You can check your 5% reward on your Food store receipt.
If you’ve changed your details, you’ll need to give us your Membership card number or your name and postcode so we can find your account. We’ll need to check your identity by asking you for some personal information. In some cases we may also ask you for proof of your new name or address.
Something for you and something for your community
How you benefit from being a Co-op Member depends on which of our businesses you’re buying from.
When we use the words “eligible purchases”, we mean that when you buy certain products and services from us you’ll get something for you and/or something for your community. It depends on which of our businesses you’re buying from. We explain this below.
When we use the words “local cause”, we mean a UK registered charity (or other organisation) which benefits a community and is looking to raise money to deliver a project in line with the criteria of the Local Community Fund.
When we use the words “cause” we mean either a local cause, The Co-op Foundation or such other UK registered charity as we decide from time to time.
We use the word “community” to talk about the areas we set around one or more of our funeral homes and/or Food stores. When we talk about “your community” in this document, this can mean either the local cause(s) in a community where you live or a cause that you’ve chosen when you log in to your Membership account. Take a look at section 8 for more details. If you don’t choose a cause then section 8 explains how we’ll donate your 1%.
We can change the percentages you get back (your 5% and 1%) or our exclusive member prices or offers at any time.
For Co-op Food and Co-op Legal Services
When you make eligible purchases:
To make sure your 5% and 1% rewards go into your Membership account you must either present your Membership card or key fob or give us your Membership card number whenever you make eligible purchases.
For Co-op Funeralcare
When you make eligible purchases (and present your Membership card (and not a temporary card) when you buy the plan or arrange a funeral):
For Co-op Insurance
We have exclusive member prices on our products including travel, pet, home and car insurance available from time to time.
For Co-op Health
You won’t earn 5% and 1% and you can’t spend your 5% on prescriptions dispensed by Co-op Health.
We may change these rewards and participating businesses from time to time.
When we’re working out how much to add to your account (your 5% and/or 1%) we use the total value of all your eligible purchases including VAT minus any other discounts (including any discounts you get as a Member and/or when you redeem your 5%), coupons, vouchers, money-off offers and promotions and rounded down to the nearest penny (unless we’ve said otherwise).
Your 5% and 1% rewards have no cash value and you can’t swap them for money.
If you stop being a Member for any reason (see section 14) we will:
How long it takes us to add your 5% and 1% to your Membership account after an eligible purchase depends on what it is and where you bought it. Appendix 1 has more details of this.
If you pay for an eligible purchase in monthly instalments we’ll add your 5% and/or 1% to your Membership account in monthly instalments too.
When we use the words “discretionary rewards”, we mean additional rewards other than 5%, 1%, exclusive member prices and points or other benefits which may be awarded from time to time on purchases, for membership participation or other activities.
You may also be able to earn discretionary rewards from us or Co-op partners for taking part in certain activities and events that we run from time to time. “Co-op partners” means other businesses and organisations where you can earn points with us.
We’ll tell you about these as and when they happen.
If you earn any discretionary rewards from Co-op businesses, they will be paid in accordance with the timescales for that Co-op business as set out in Appendix 1.
Any discretionary rewards you get from Co-op partners are paid for by them. If their business fails we don’t have to cover any unpaid rewards they owe. Discretionary rewards you get from Co-op partners don’t count towards a share of our profits or as Qualifying Purchases.
You can’t earn your 5% or 1% or benefit from exclusive member prices or offers at independent co-operatives, including Central England, Chelmsford Star, Southern and Midcounties (Have a look at section 11 which talks about independent co-operatives).
To spend your 5% you must present your Membership card or key fob or give us your Membership number when you pay (depending on which Co-op business you’re buying from).
You can spend some or all of your 5% in any of these Co-op businesses (subject to the exclusions set out in Appendix 1):
We may change participating Co-op businesses from time to time.
If you don't buy anything from any of our businesses and use your Membership card for 12 months or more we may expire any 5% reward you've earned in your Membership account. You'll start to earn your 5% back as soon as you use your Membership card again. Your 1% will still go to a cause, and any points (for a share in our profits) remain unchanged.
You can’t spend your 5% at independent co-operatives, including Central England, Chelmsford Star, Southern and Midcounties (see section 11).
You can choose where your 1% will go from a number of local causes. The local cause may be in your community or located in another community. You can also choose our charity, the Co-op Foundation, to benefit from your 1% or another UK registered charity as we decide from time to time.
When we first register you as a Member we'll automatically assign you to a community based on your postcode.
When you log on to your Membership account, you'll see a list of causes you can choose from.
You can choose which cause you want your 1% to go to:
You can only choose one cause at a time.
You can change which cause you want your 1% to go to at any point in time. The 1% that you have built up at the time of changing your cause will still go to the previous cause. Going forward, your 1% will go to the new cause you’ve chosen.
By the end of the giving period we pay (or arrange for a third party to pay) all of the 1% rewards that our Members have given to each cause during that time. A giving period is currently a period of twelve months, but we may change the length of any giving period if we wish to.
At the end of each giving period we’ll let you know what new causes you can choose to give your 1% to.
If you don’t choose a cause by the end of the giving period or stop being a Member for any reason and you haven’t chosen a cause, we’ll share your 1% out equally between all the local causes in your community and our charity, the Co-op Foundation. If there aren’t any local causes in your community then we’ll give all your 1% to the Co-op Foundation or another UK registered charity as we decide from time to time.
If your cause stops being involved in the scheme for any reason (for example, if it ceases trading) before being paid, it won’t receive any of your 1% for that giving period. You can choose a different cause during the giving period. If you haven’t chosen another cause before the giving period ends, then we’ll share your 1% out equally between the remaining local causes in your community and our charity, the Co-op Foundation.
Please note that this section doesn’t apply to your 5% and 1% but your points.
As a Co-op Member you’re entitled to a range of rights under our Rules in addition to the 5% and 1% rewards and exclusive member prices that you’re entitled to under these terms and conditions.
In order to qualify for certain constitutional rights (including the right to attend our general meetings and vote) you need to make Qualifying Purchases.
To make sure your Qualifying Purchases are registered in your Membership account you must either present your Membership card, key fob or temporary card or give us your Membership number whenever you make purchases from the relevant Co-op businesses.
When you present your Membership card, key fob or temporary card or give us your Membership number you will also earn points. In some cases your points count as Qualifying Purchases. Points don’t have any cash value and you can’t cash them in.
Notwithstanding any other provision in this document (including the Appendices), if at any point during the Financial Year, it’s no longer possible (or becomes impractical) to calculate your points, then we can make such adjustments to the basis for determining points as we think appropriate.
At the end of each Financial Year your points go back to zero and you start building up points for the next Financial Year. Our Financial Year ends on the first Saturday in January each year.
When there are Profits Available for Distribution we may decide to pay a dividend (share of profit) to Members in line with our Rules. Dividends awarded are calculated based on the points you have earned in line with the Regulations. The number of points you have determines how big your dividend payment will be (if there is one). For further details see our Rules and Regulations. You will only receive a dividend if you are a registered Member.
If you live outside of the UK, the Isle of Man and the Channel Islands you can still make Qualifying Purchases.
You can no longer earn points (for a share in our profits) on purchases from Co-op partners.
The Co-operative Bank
You can no longer earn points from The Co-operative Bank or Smile. Any points you earned before 1 January 2019 will still count towards your eligibility for democratic and participating rights in 2019, under our Rules.
We’ll work out how many points to add to your Membership account once we’ve received the actual cash value of your business from The Co-operative Bank. This payment will show up in your Membership account as “The Co-operative Bank”.
Appendix 2 of this document sets out which products and services of The Co-operative Bank and Smile you will have earned points on before 1 January 2019.
You won’t earn your 5% or 1% or get exclusive member prices and you can’t spend your 5% earned with us at any independent co-operative societies.
You can use your Membership card at some independent co-operative societies even though they aren’t part of our Co-op.
This list may change.
When you spend with an independent co-operative, you may get a reward from that independent co-operative. This is because the amount you spend with the other co-operative is recorded against your Membership account with us. If the independent co-operative makes a dividend payment (which depends on the amount of profit they make), the dividend, which is allocated to all our Co-op members, is paid to us. We will then pay out the right amount to you depending on the amount you have spent. This payment will show on your Membership account statement as "Independent Co-operative Societies".
Any points you get from independent co-operative societies don’t count towards a share of our profits or other rights.
If you’re due a dividend (you can find out more in section 9) we can pay it directly into your bank account as long as you give us your bank details – or if you prefer we can send you vouchers instead. You can update your preferences by going online or by calling us. But once you’ve switched to vouchers you can’t switch back again. If you stop being a Member for any reason before receiving your dividend you won’t get it.
If you ticked the box on the Membership application form to donate any dividend (share of profits) to a charitable cause we’ll do this and keep on doing it until you tell us otherwise. You need to tick the Gift Aid box on the application for your donation to be treated as Gift Aid. This means that for every £1 you give, the charity will be able to reclaim a certain amount from HM Revenue & Customs, helping your donation go further. For your donation to qualify for Gift Aid you must be a UK taxpayer and pay enough UK Income tax and/or Capital Gains Tax to cover all your charitable donations in that tax year. If you pay less Income Tax and/or Capital Gains Tax in a tax year than the amount of Gift Aid claimed on all your donations it is your responsibility to pay any difference. You don’t have to pay income tax on payments we make to you through the scheme. If you complete a self-assessment tax return you don’t need to enter any payments we make to you through the scheme.
If your dividend works out to be less than £2 we’ll store up the balance in your Membership account until the next time you’re due a dividend. We won’t pay it out until it’s worth at least £2 (or such other amount as we decide from time to time).
We don’t have to accept that anyone apart from you has any right or interest in your dividend.
You can spend your dividend vouchers at the following businesses:
But these may change, from time to time.
You must show us your Membership card or key fob when you spend your vouchers – and the number on the voucher must match the number on your card or key fob. We may also ask to see your ID.
We’ll give you change when you use your vouchers with us.
Subject to any terms and conditions that they set from time to time you can also spend your dividend vouchers in certain independent co-operative businesses. The following independent co-operative societies won’t give you change if your vouchers are worth more than whatever you’re buying:
You can only swap your vouchers for cash at Co-op Food stores or until 31 December 2018, at branches of The Co-operative Bank.
You must use your vouchers before they expire. Or you can send them back to us before they’ve expired and we’ll renew them for you (send them to Co-op Member Services, c/o Swiss Post Solutions Ltd, Unit 550, Metroplex Business Park, Manchester, M50 2UE). Once they’ve expired we won’t accept or renew them.
If you buy goods or services from us and then return them for a refund (or cancel or change them in some way) we may take back some or all of the points and rewards you earned on them (if any).
If you don’t have your Membership card or key fob with you when you buy, you can still get your points and rewards if you register your purchases with us within a certain number of days.
If your Membership card or key fob goes missing you must tell us right away. This section doesn’t apply to temporary cards (you can find out more in section 5).
You can do this online (through your Membership account) or by phone (0800 023 4708).
If we ask you for evidence you need to send it to: Co-op Member Services, c/o Swiss Post Solutions Ltd, Unit 550, Metroplex Business Park, Manchester, M50 2UE.
We may pass on any useful or important information to the relevant authorities (eg, the police) if we think it’s appropriate.
You can cancel your Membership at any time by telling us. We can also remove or expel you from Membership as set out in our Rules. This section doesn’t apply to temporary cards (you can find out more in section 5).
We’ve the right to change these terms and conditions by giving you reasonable notice – for legal, regulatory, business or policy reasons. If you continue to use your Membership card after any change, this will be an acceptance of these new terms and conditions.
The constitutional rights you have as a Member are governed by our Rules and Regulations which can be amended in accordance with our governance arrangements.
Only you and we have the right to enforce any of these terms and conditions under the Contract (Rights of Third Parties) Act 1999.
Co-op Legal Services need to tell us that you’ve become a client of Co-op Legal Services and the service you have bought so you can get your 5% and 1%, points or discretionary rewards as set out in this document.
This information would normally be treated as confidential. You'll be asked if you’re happy for this to be passed to Co-op when you buy a legal service from Co-op Legal Services that is part of this scheme.
If you aren't happy for this information to be shared at the time that you buy one of the services then you need to let Co-op Legal Services know and they won't tell us that you’re a client. If this is the case you won't get 5% and 1%, points or any discretionary rewards. This is a regulatory condition which Co-op Legal Services must comply with.
These terms and conditions (and any non-contractual obligations arising out of or in connection with them) are governed by English law.
English courts have non-exclusive jurisdiction to settle any dispute arising out of or in connection with these terms and conditions (including disputes around any non-contractual obligations arising out of or in connection with these terms and conditions).
Eligible purchases: Something for you and something for your community
Take a look at sections 6 to 8 of this document that explain member rewards.
Co-op Food (includes franchised stores that we agree)
You will earn 5% and 1% on:
You won't earn 5% and 1% on:
Co-op Legal Services
You will earn 5% and 1% on:
You won’t earn 5% and 1% on:
You will benefit from exclusive member prices and get 1% for your community on:
Exclusive member prices and 1% don't apply to:
5% - normally straightaway.
1% - normally within 24 hours.
Co-op Legal Services
Within 15 days of the date of purchase.
Your exclusive member price will be applied to the full price of the Funeral Plan or arrangement when you buy it but can’t be used with any other discount or offer that we have on from time to time. You can find full details of exclusive member prices at www.co-operativefuneralcare.co.uk/co-op-membership/
On Funeral Plans when paying in full, your 1% will be allocated after the 30 day cooling off period.
On Funeral Plans when paying in instalments:
On funeral services and products and services including memorial masonry 1% will be allocated when you pay the final invoice, as long as you pay before the 28 days due date.
Co-op Legal Services
You can spend your 5% on:
You can’t spend your 5% on:
Qualifying Purchases: Points
Take a look at sections 9 to 13 of this document that summarise your membership rights under our Rules.
You will earn points on:
If you buy a Funeral Plan, you’ll earn your points once you’ve finished paying for it. To get your points, you must buy and pay for the Funeral Plan yourself directly from Co-op Funeralcare, not through a solicitor or a bank, for example.
If you buy a Funeral Plan, your points will be added to your account at the beginning of the month following purchase.
If you are paying for a funeral, your points will be added to your account at the beginning of the month following payment in full.
You won’t earn points on:
You won't earn points on:
You can’t earn points (for a share in our profits) on prescriptions dispensed by Co-op Health.
You will earn points on:
You won't earn points on:
If there's more than one Co-op Member on your policy, we'll split the points equally between you.
If you only become a Member or take out your policy part-way through the year, you'll only get points for the number of full months you’ve been a Member and had your policy.
If you break the terms of your policy, you may not get your points. That includes (among other things):
How many points you'll get
You'll start earning points from the first day of the first month after you take out your policy or become a Member. (For example, if you take your policy or become a Member on 15 June, you'll start to earn points on 1 July.)
|Insurance policy||Points earned over 6 months||Points earned over 12 months|
|Buildings and contents insurance|
|If you have more than one insurance policy with us, you’ll only get points at the renewal rate for one of those policies. For any other policies, you’ll get 100 points a year||375 renewal 50 new policy||750 renewal 100 new policy|
|Car insurance (excluding Young Driver Insurance) If you have more than one insurance policy with us, you’ll only get points at the renewal rate for one of those policies. For any other policies, you’ll get 100 points a year||375 renewal 50 new policy||750 renewal 100 new policy|
|Breakdown Cover – Roadside||25||50|
|Breakdown Cover – Recovery||75||150|
|Breakdown Cover – Recovery & Home Start||100||200|
|Breakdown Cover – European||100||200|
|Pet insurance – Classic Cover||50||100|
|Pet insurance - Select Plus||50||100|
*Motor Breakdown cover is provided on behalf of Co-op Insurance by AXA Assistance (UK) Ltd.
Pet Insurance from Co-op Insurance is provided, underwritten and administered by Allianz Insurance plc. Co-op Insurance is a brand used by CIS General Insurance Limited. CIS General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. FCA/PRA registration No. 435022. Registered Office: Miller Street, Manchester M60 0AL. Registered in England No. 29999R.
Allianz Insurance plc. Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB. Email: firstname.lastname@example.org Allianz Insurance plc is authorised by the Financial Conduct Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA/PRA Register No. 121849.
This can be checked by visiting the FCA website www.fca.gov.uk/register or by contacting the FCA on 0845 606 1234. CIS General Insurance Limited is not part of the Allianz (UK) Group.
You will earn points on:
For Wills, you’ll get your points once you’ve paid for your will in full. For Mirror Wills, we’ll only give points to one Member.
For conveyancing, you’ll get your points once we’ve finished the work. (If you sell or buy another property using our conveyancing service, you’ll get points for each transaction.)
If you’re buying jointly with another Member, only one of you will get points.
You won’t earn points on:
You can no longer earn points on products and accounts you have with The Co-operative Bank and Smile. You’ll only have earned points up until 31 December 2018.
If you opened or closed an account part way through the financial year, we’ll only award you points for any full months that your account was open during that year.
If you have an account in more than one name and more than one of you are Members, you’ll share the points equally. If you’ve been a Member for less than a year, you’ll get points for any full months you’ve been a Member.
If you don’t keep your accounts up to date for the whole financial year, we reserve the right not to award points on those accounts or policies. This includes (but isn't limited to):
You will have earned points until 31 December 2018 on:
Credit cards and personal loans
100 points a year – 50 points in November, 50 in June
Current account (if you pay in more than £800 on average a month in a trading period)
1200 points a year – 600 points in November, 600 points in June
Current account (if you pay in over £100 but less than £800 a month)
100 points a year – 50 points in November, 50 points in June
*If your account is overdrawn for more than 90 days within a financial year, you won’t get any points.
Mortgages (if you owe more than £500 on the last day of the trading period)
750 points a year – 375 points in November, 375 points in June If you owe less than £500, you won’t get any points.
Cash ISAs (if you have an average savings balance of more than £100 in the trading period)
300 points a year – 150 points in November, 150 points in June
Cash ISAs (if you have an average savings balance of less than £100 or any other qualifying savings account in the trading period)
100 points a year – 50 points in November, 50 points in June
If you have an average balance of less than £50 over the financial year, you won’t get any points.
|Type of product||Account name||Eligible for points|
|Mortgages||Standard residential mortgages||Yes|
|Residential let mortgages||Yes|
|Shared equity/ownership mortgages||Yes|
|Buy to let mortgages||No|
|Mortgages provided by, through or with our partner organisations (for example: football clubs and trade unions)||Yes|
|Savings in conjunction with an offset mortgage||Yes|
|Savings and investments||Easy Monthly Saver||Yes|
|Gross Interest Deposit Account||Yes|
|Clubs and Charities Account||No|
|Cash Child Trust Fund||Yes|
|Stakeholder Child Trust Fund||Yes|
|Savings accounts provided by, through or with our partner organisations (for example: football clubs and trade unions)||Yes|
|Limited Access Cash ISA||Yes|
|Easy Monthly Saver Cash ISA||Yes|
|Fixed Rate Cash ISA||Yes|
|Stocks and Shares ISA||Yes|
|ISAs provided by, through or with our partner organisations (for example: football clubs and trade unions)||Yes|
|Bonds including fixed rate bonds and Capital Bonds||No|
|Other products||Products provided by, through or with our partner organisations (for example: AXA & Legal and General) including:||No|
|Life protection and pensions||No|
If you hold an offset mortgage, you’ll earn points at the prevailing rate for your savings and mortgage balances.