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About these terms
These terms explain how you can use our website and mobile app. By using them, you agree to these terms. If you don't agree, please don't use our website or app.
These terms cover the website and app themselves. The accounts, loans and other products you hold with us have their own terms and conditions, which you'll receive before you open them. If anything in these terms conflicts with your product terms, your product terms apply.
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Using our website and app
You may use our website and app to:
Find out about our products
Read about our accounts, loans, mortgages and other services.
Apply for products
Complete applications for accounts and lending online.
Manage your accounts
Use online and mobile banking to check balances, make payments and manage your cards.
Contact us
Send us messages and use our tools and calculators.
You must not use our website or app to break the law, to try to access accounts or systems you're not allowed to, to upload anything harmful such as viruses, or to copy, scrape or resell our content.
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Keeping your account secure
You're responsible for keeping your login details safe. In particular:
Keep your details private
Don't share your password, PIN or one-time codes with anyone, including people who say they're from the bank.
Use a secure device
Keep your device's software up to date and use a screen lock.
Log out when you're done
Especially on shared or public devices.
Tell us straight away
Call (555) 302-1911 at any time if you think someone else knows your details or has used your account.
We may suspend access to online banking if we think your account is at risk, and we'll tell you why unless the law stops us.
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Our content
The content on our website and app, including text, images, logos and software, belongs to us or the people who license it to us. You can view and print pages for your own personal use, but you can't copy, change or share our content for any other purpose without our written permission.
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Rates, information and advice
We work hard to keep the information on our website accurate and up to date, but rates, fees and product features can change. The terms you're offered when you apply are the ones that apply to you.
Calculators and examples on our website are for illustration only. Nothing on our website is personal financial, tax or legal advice. If you're not sure whether a product is right for you, please speak to a qualified adviser.
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Our responsibility to you
We're responsible for losses you suffer as a direct and foreseeable result of us breaking these terms or not taking reasonable care. We're not responsible for losses caused by things outside our reasonable control, or for business losses if you use our personal website for business purposes.
Nothing in these terms limits our responsibility where it would be unlawful to do so, or affects your legal rights as a consumer.
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Electronic communications
By using online banking, you agree that we can send you statements, notices and other documents electronically, through the app, online banking or by email. You can ask for paper copies at any time.