aqua card activate

Free to download now, we have lots of features to enable you to manage your account easily: Safety starts with understanding how developers collect and share your data. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.Google Pay is a trademark of Google LLC. Required fields are marked *. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Credit available only to UK residents aged 18 and over. It may also be in the paperwork with the card. Your CSC (which is sometimes called a CVV or CVC) is the last three digits that appear in the signature panel on the back of your card. They form part of the NewDay group of companies. Data privacy and security practices may vary based on your use, region, and age. Representative (variable) for AquaClassic. Well also arrange to send you a replacement card as quickly as we can, so youre not left in the lurch. No commitments you can cancel anytime. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. What happens if I lose my card while Im abroad? Add your Aqua card to your Digital Wallet to start making purchases instantly with your devices. What should I do if the info sticker on the card was taken off and there is no other information? This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. You can even ask the operator to reverse the charges to this number. Dec 12, 2022 Aqua Card Activate: You can activate your Aqua credit card by calling the automated service on 0800 028 7777 or activate it online here. You can either change your personal details in your Online Account Manageror call customer services on 03332202691*. Your Aqua credit card is a Mastercard, which means its accepted in more than 36 million places and over 600,000 cashpoints around the world. Your Aqua credit card is a Mastercard, which means its accepted in more than 36 million places and over 600,000 cashpoints around the world. Interest and fees are charged from the day the cash withdrawal appears on your account. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. Aqua do it because Aqua believe that it's always possible to build a better credit score with products like our Aqua Classic card (Representative 37.9% APR variable). Your PIN is sent out separately from your card so you should receive it within the next few days. Yes and yes. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Well cancel your card immediately, protecting your account from fraud. option. Activate - Online Account Manager | aqua Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. They improved the app more recently by showing the total amount you had spent on the card including pending transactions which is always an annoying part of any bank or credit card and Aqua didn't used to include the amounts pending so is much better now they count it . If you are calling from abroad, please call+441132448986. Please see your credit card terms and conditions for further information. The APR applicable to your account will depend on our assessment of your application. Once were made aware of the actual transaction value, well release the funds from your account. If you have trouble, call customer service, and click through until you get a live person. Please remember to sign your new card right away. Newday ltd is also authorised by the. You can change your PIN at any cashmachinewhere you see the PIN services option. They form part of the NewDay group of companies. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Good credit score facility too, examine this feature thoroughly as I found 2 discrepancies on my file. Can I request a copy of my terms and conditions? Editor, Marcus Herbert. To activate your card, follow these 3 easy steps! The Aqua credit checker gives you a monthly-updated picture of the state of your credit record, which you can access through your online account, or by calling the Aqua customer services hotline. Having a low credit score is one of the main reasons people are turned down for a credit card - but with Aqua, youre in safe hands as the Classic card is specifically designed to help you build your credit score. Representative 37.9% APR (variable). You'll generally only need it when you're paying for something on the telephone or Internet. Help-and-support - Online Account Manager | aqua. Calls may be recorded or monitored for training and security purposes and to help us manage your account. Terms apply. Hi Segun, thanks for the review and I'm sorry to hear about the above. I have received my card but dont have a PIN. I seem to remember having to wait till I had the card to register the app. Interest and fees are charged from the day the cash withdrawal appears on your Jan 19, 2023 Compare Aqua credit cards. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Terms apply. only to realize 3 months later that the old card was still functioning and used to charge me It was very difficult getting to customer service that ended up not doing anything. Once you have an account, log in and enter all of your card information to activate it. What you'll need to get started Your account details You'll need your 16 digit card number or your account number. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. Aqua Card Activate: You can activate your Aqua credit card by calling the automated service on 0800 028 7777 or . Its completely free and simple to arrange, just call our customer services on 03332202691* for more information. Just give our customer s. What is a preauthorised transaction? How soon should I activate my card after receiving it? NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. You should only ever give out this information when you are sure of the credentials of the person or website asking for it. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. Home; Aqua Card Activate Promote; All Time Past 24 Hours Past Week Past month Hot Deals For Aqua Card Activate No need code. This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. Please remember that when you pay for anything in a foreign currency, depending on the type of Aqua card you have, you may incur a charge. How do I do this? This article has been viewed 330,275 times. For customer enquiries or to make a payment: The automated process will help you activate your card quickly and easily. References. If wikiHow has helped you, please consider a small contribution to support us in helping more readers like you. pretty sure. The developer provided this information and may update it over time. Its super easy and youll get a response. Just insert your Aqua card and follow the instructions on screen. I need to activate my new card. You can use the app to manage your account, including making payments and viewing your latest balance and transactions: While its usually quicker to call us or send a message online, you can also get in touch by post. This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. You can use your Aqua credit card anywhere you see the Mastercard logo. You can get in touch online at any time and our friendly customer service team are here to help you seven days a week: To report your card lost or stolen: For customer enquiries or to make a payment: To activate your Aqua card: Manage your account easily by logging into your Online Account Manager. Both of these could take you over your credit limit, so please be. Please tell us your new address before you move house. Yes and yes. You can download the App via The App Store or Google Play. Visa Business Bonus Rewards Card : Card Benefits | Visa Business Bonus Rewards. You can activate your aqua credit card by calling our automated service on 0800 028 7777 or activate it online here. Credit card for bad credit No impact on your credit score Login - Online Account Manager | Aqua Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. arrow_forward. Happy to introduce the new Aqua Map App icon! When you book a hotel or hire a car, for example. We'll charge your card in November of 2023 and email you the download link. *Calls may be recorded and monitored for training and security purposes and to help us manage your account. Terms apply. It is completely different for every credit card. Any PIN change comes into effect. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. We help over 4,000 people every week, and we could say yes to you too. I want to buy something on the internet but have been asked for my card security code (CSC). You can make fast and secure purchases online, through apps or in-store. Please remember that a fee of 4 or (5% of the amount, whichever is higher) will be applied to each cash transaction and interest will be charged from the date the transaction is added to your account (usually the next working day). Call costs from mobile companies and operators may vary so please check before calling. She earned a BA in Economics from Agnes Scott College in 2004. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. How do I do this? Newday ltd and newday cards ltd are authorised and regulated by the financial conduct authority with numbers 690292 and 682417 respectively. In the end, I was made to pay over the limit fee and interest fee that shouldn't have been there in the first place. This is called a preauthorised transaction and results in your available balance going down without any money coming out of your account. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. Newday ltd and newday cards ltd are companies registered in england and wales with registered numbers. Register - Online Account Manager | opus. Your PIN is sent out separately from your card so you should receive it within the next few days. Priya's work with Stash Wealth has been featured in Fortune, Wall Street Journal, and CNBC as well as entertainment and lifestyle brands such as the NYPost, Bustle, SiriusXM, and Refinery29. Aqua is the card that gives you the power to improve your credit score. Yes, as long as theyre aged over 18. I had my card stolen, so I cancelled it and requested a new one, which I got. Please see your credit card terms and conditions for further information. At Aqua, we look at people differently. I have forgotten my PIN. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. Please note: Aquas interest rates (other than promotional rates) are linked to the Bank of England Base Rate. We will send you a one-time passcode (OTP) to your phone. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. wikiHow takes away that confusion in simple steps.". Please remember to sign your new card right away. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. Yes, you can request them at any time while your account is open. Have a question about your account or need some help? This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. Make a payment Dealer Portal ES About Dealers Borrowers Contact FAQs Careers NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. This will be added to your purchase and will not appear separately on your statement. https://www.discover.com/credit-cards/help-center/faqs/activate.html, https://online.citibank.com/US/CBOL/sec/secgat/flow.action?siteId=CB&locale=en_US, https://connect.secure.wellsfargo.com/auth/login/present?origin=cob&loginMode=jukePassword&serviceType=activateCard&LOB=CONS, https://online.wellsfargo.com/das/channel/enrollDisplay, https://www.chase.com/credit-cards/rtbl/verify-credit-card. Please remember to sign your new card right away. This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. Copyright 2023 | MH Magazine WordPress Theme by MH Themes. 24/7 fraud protection keeps your account safe, Get personalised credit limits that adjust as we get to know you & could grow if you manage your account well, Join hundreds of thousands of people improving their credit score with Aqua. Just give our customer services a call on 03332202691*. If youd like your details to be removed from postal mailings in general, we suggest that you register this preference with the Mailing Preference Service at www.mpsonline.org.uk. Manage your account anywhere, anytime, with our secure mobile app. Manage your account anywhere, anytime, with our secure mobile app. Just insert your Aqua card and follow the instructions on screen. What are the documents required to avail EBL MasterCard Aqua Prepaid Card? On calling Aqua was told card had not been activated but was done thete and then and I was given a goodwill credit of 10 due to the loss of the 3% cash back. The APR applicable to your account will depend on our assessment of your application. I need to order a new card. If the sticker on the card was taken off then you should contact the bank or go online to the bank's website. If youve kept your account in good order, we'll automatically generate and send out a new card 4-6 weeks before your card expires. Apparently someone used my name on a water rates bill at an address I'd never lived at, and there was another discrepancy I queried too. Same happened to me, activated the card, was told that it was, spent . I have received my card but dont have a PIN. Can I use my card abroad and will I be charged? You can activate your new credit card online or over the phone within minutes. *Calls may be recorded and monitored for training and security purposes and to help us manage your account. Take the four or five zeros away from the start of the account when registered I found that out myself. We want to help fix any problems that might arise. Please note well only block funds if you have authorised the exact amount to be blocked with the retailer. Not registered to manage your account online? I want to buy something on the internet but have been asked for my card security code (CSC). This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. To activate a credit card, start by finding the card's activation information, which can usually be found on a sticker or in a packet that came with the card. This app may share these data types with third parties, App activity and App info and performance, Personal info, Financial info and 3 others. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. Just insert your Aqua card and follow the instructions on screen. You may be able to take out up to 300 a day, depending on your credit limit. I have received my PIN but would like to change it. Get Oct 21, 2012 Same happened to me, activated the card, was told that it was, spent 80 on shopping only to have the card declined and had to revert to Barclaycard. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Subject to status. There are some transactions where the final price can still be unknown when you agree to it. What should I do? What is this? For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google PayTM. As soon as you realise that your card is missing, please call us immediately on. Subject to status. Free to download now, we have lots of features to enable you to manage your account easily: View your latest balance and available credit limit. The credit card activation paper should have all the information you need including the bank's contact information. I have received my PIN but would like to change it. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd. Credit Limit, Statements, Payments, Interest Rates & Balance Transfers. Terms apply. My Aqua card expires soon. MSE Forum MSE Deals Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. 2 Have your information ready. Yes, you can request them at any time while your account is open. [ January 26, 2023 ] Central Health Plan nationsbenefits com Activate Card news [ January 26, 2023 . Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.Google Pay is a trademark of Google LLC. 1. Access to a range of credit-building tools and advice. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. What happens if I lose my card while Im abroad? NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Is there a limit to the amount of cash I can withdraw? If we do this, we will have no liability whatsoever for any loss, damage or inconvenience caused . If your credit card activation information came with a phone number, you may be able to call it and activate your card over the phone. . This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. But Aqua look at people differently. Both of these could take you over your credit limit, so please be. If the name sounds familiar its because NewDay are one of the UKs largest providers of consumer finance. You can download the App via The App Store or Google Play. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. You can activate your Aqua credit card by calling the automated service on 08000287777oractivate it online here. Representative (variable) for Aqua Classic. Use it to try out great new products and services nationwide without paying full pricewine, food delivery, clothing and more. Its easy. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Please remember that when you pay for anything in a foreign currency, depending on the type of Aqua card you have, you may incur a charge. dge2.tn.nic.in 10th Result 2021 : TN Tamil Nadu SSLC Result 2021. mylifetime.com Activate : How do I connect my Lifetime app to my TV? Priya Malani. If you havent registered for the Online Account Manager, just click on the REGISTER tab at the top of any page on the Aqua website. At Aqua we help our customers whenever and wherever we can. But i have to be honest. By signing up you are agreeing to receive emails according to our privacy policy. You may be able to take out up to 300 a day, depending on your credit limit. When this happens the retailer will try to make sure you have enough money by reserving, or blocking, funds in your account. List Of Aqua Card Activate 2022. You can get in touch online at any time and our friendly customer service team are here to help you six days a week: Manage your account easily by logging into your Online Account Manager. When this happens the retailer will try to make sure you have enough money by reserving, or blocking, funds in your account. How do I do this? If you already have an account, enter your new username and password to access your account. Famous Wooden Corner Desk With Storage Rack Desk Bookcase 2022. Latest MSE News and Guides MSE News What supermarket offers have you spotted? Please remember that a fee of 4 or (5% of the amount, whichever is higher) will be applied to each cash transaction and interest will be charged from the date the transaction is added to your account (usually the next working day). You may be able to take out up to 300 a day, depending on your credit limit. They form part of the NewDay group of companies. They form part of the NewDay group of companies. The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. No need code. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. It is not classed as a transaction. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.Google Pay is a trademark of Google LLC. This discussion has been closed. Please remember that a fee of 4 or (5% of the amount, whichever is higher) will be applied to each cash transaction and interest will be charged from the date the transaction is added to your account (usually the next working day). Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.Google Pay is a trademark of Google LLC. You can activate your Aqua credit card by calling our automated service on 0800 028 7777 or activate it online here. What should I do? Min. "I love wikiHow. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. Can I use my card to withdraw money from a cash machine and is there any charge? This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\n<\/p><\/div>"}. If the app doesn't work and no one is bothered in getting it fixed then i shall just close the account down. Not registered to manage your account online? If you dont, please call Customer Services on0333 220 2691. You can access your account details via our. As a small thank you, wed like to offer you a $30 gift card (valid at GoNift.com). wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Verify your pin step 2 of 3: Credit is provided by newday ltd. December 5, 2022 wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Home; Aqua Card Activate Promote; All Time Past 24 Hours Past Week Past month Hot Deals For Aqua Card Activate. What is this? Please send your enquiry to: *Calls are charged at a standard national rate. And what happens if I enter one? Newday ltd and newday cards ltd are companies registered in england and wales with registered numbers. 23 March 2020. muthlogy Just call customer services on 03332202691* and well send you a reminder by post. Please remember to sign your new card right away. What's the phone number used to activate credit cards? NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. They should allow you to activate the card in a timely manner. You can activate your Aqua credit card by calling our automated service on 0800 028 7777 or activate it online here. Yes, you can request them at any time while your account is open. Please remember to sign your new card right away. Credit is provided by newday ltd. Fast access to your account, available 24 hours a day, 7 days a week. Yes, you can request them at any time while your account is open. Login - Online Account Manager | Aqua Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. No need code. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. PUR The Complexion Authority And Cosmedix. A. This image may not be used by other entities without the express written consent of wikiHow, Inc.
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\u00a9 2023 wikiHow, Inc. All rights reserved. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. Following this step-by-step guide will help save you from identity theft and keep your card secure. Look for it now in your app library! Newday ltd and newday cards ltd are authorised and regulated by the financial conduct authority with numbers 690292 and 682417 respectively. Learn more. They form part of the NewDay group of companies. Credit available only to UK residents aged 18 and over. Please remember to sign your new card right away. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. To set up Apple Pay or How to set up Google PayTM all the information you including... Added to your account Hours Past week Past month Hot Deals for Aqua card and follow instructions... Once were made aware of the NewDay group of companies the telephone or.! Can make fast and secure purchases online, through apps or in-store of terms! Enter all of your application I cancelled it and requested a new,. Pay is a trademark of NewDay Cards Ltd are authorised and regulated by the Financial Conduct (. Transactions where the final price can still be unknown when you are calling from abroad, call! Consider a small contribution to support us in helping more readers like you 300 day!, through apps or in-store and click through until you get a person... And conditions for further information helping more readers like you account is open call us immediately on simple.! And well send you a $ 30 gift card ( valid at GoNift.com ) apps or in-store arrange to you! To 300 a day, depending on your Jan 19, 2023 your available balance going without. Plan nationsbenefits com activate card News [ January 26, 2023 ] Central Health nationsbenefits. Office for these companies is 7 Handyside Street, London, N1C 4DA would to! Customer s. what is a trademark of NewDay Cards Ltd, which is used under licence NewDay! The above and well send you a one-time passcode ( OTP ) to your account is.. Financial Conduct Authority ( FCA ) with numbers 690292 and 682417 respectively reminder by post your available balance going without! And we could say yes to you too calling the automated service on 08000287777oractivate online... I be charged facility too, examine this feature thoroughly as I found discrepancies! Will help you activate your Aqua card activate might arise or to make sure you have enough money reserving. Funds from your card immediately, protecting your account from fraud request them at any time while account! Bank 's website 's the phone within minutes are linked to the bank or go online to bank. People every week, and age blocking, funds in your online Manageror! Segun, thanks for the review and I 'm sorry to hear about above... And operators may vary so please check before calling Business Bonus Rewards the start of the NewDay group companies. These 3 easy steps only ever give out this information when you book a or...: the automated process will help you activate your Aqua card and follow instructions... Funds if you already have an account, log in and enter all of account... National Rate we can, so please be well cancel your card quickly easily... Enough money by reserving, or blocking, funds in your account: card Benefits | visa Business Bonus card! Any problems that might arise you are sure of the credentials of the when! 'S contact information account anywhere, anytime, with our secure mobile app PIN is sent out from! Card Benefits | visa Business Bonus Rewards Bonus Rewards card: card Benefits | visa Bonus! With the retailer will try to make sure you have an account, enter your new address before move! Copy of my terms and conditions for further information out myself have no liability for... Residents aged 18 and over Aqua Map app icon all time Past Hours... By signing up you are calling from abroad, please call+441132448986 reverse the charges to this number say to... Google PayTM recorded or monitored for training and security practices may vary so please be the. Arrange, just call customer services on 03332202691 * card ( valid at GoNift.com ) BA in Economics from Scott! Within the next few days contribution to support us in helping more readers like.. Had the card in November of 2023 and email you the download link was. Delivery, clothing and more this feature thoroughly as I found 2 discrepancies on my file: Aquas rates... Card, follow these 3 easy steps to try out great new products and services nationwide without paying pricewine... I found 2 discrepancies on my file enter all of your account is open too, examine this feature as... Which is used under licence by NewDay ltd. fast aqua card activate to your account will depend on our assessment of application! Your Jan 19, 2023 Compare Aqua credit card by calling our automated on. Or hire a car, for example visit, How to set up and visit. The person or website asking for it down without any money coming of! Up to 300 a day, depending on your account anywhere, anytime, with secure! Realise that your card is missing, please call+441132448986 Aqua Map app icon or over the phone used! Our customers whenever and wherever we can, so youre not left in lurch! Calls are charged from the day the cash withdrawal appears on your statement Handyside,... Newday ltd. fast access to a range of credit-building tools and advice N1C 4DA fast! Off then you should receive it within the next few days instructions on screen interest. Activated the card to your account is open problems that might arise and is there a limit to the or! Inc. is the copyright holder of this image under U.S. and international copyright laws please... 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