because we are changing our products or services or introducing new ones</li> </ul> <strong>Informing you of changes</strong> <p>If we add a new product or service that doesn't change these terms and conditions, we may add the product or service immediately and let you know prior to you using it.</p> <p>If we change an existing product or service that does not relate to payments into or out of your account, we will normally give you 30 days' notice before we make the change.