Legal and privacy

Copyright and all other intellectual property rights in the contents of, and in all information contained on this Site, vests in (or is duly licensed to) Clydesdale. All rights not expressly granted therein are reserved by Clydesdale.
You may download to disk and retain a single copy of all or any of the pages (including parts of pages) contained on this Site and print one single hard copy of same for your own personal use.
Apart from the foregoing use, no page or part of a page or other information contained on this Site may be copied, reproduced, stored, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without the specific prior written consent of Clydesdale.
Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this Site. Any unauthorised downloading, re-transmission or other copying or modification of any page or part of a page or information therein may well be in breach of statutory or common law rights which could be the subject of legal action.
Your right to use this Site will cease immediately if you print off, copy or download any part of the Site in breach of these Rules of Use and you must, at our option, return or destroy any copies of the Site material made.

The information contained or displayed on this Site is believed by Clydesdale to be reliable when displayed.

Whilst Clydesdale has taken reasonable care to ensure that the information and functions contained or displayed on this Site are complete and correct, Clydesdale does not warrant or represent that such information or functions is or are free from errors or omissions or that the information contained or displayed on this Site is suitable for your intended use. Clydesdale therefore disclaims all liability and responsibility arising from any reliance placed on such materials by any visitor to this Site, or by anyone who may be informed of its contents.

Clydesdale aims to update this Site regularly and may change the content at any time. However, any of the material on this Site may be out of date at any given time and Clydesdale makes no commitment to update the content and materials on this Site.

If you choose to retain a hard or soft copy of all or any of these pages (including parts of pages) please ensure that the copy which is being relied upon is the most up-to-date version of that information available, by accessing this Site and refreshing/updating any cached copy of this Site or relevant part of it.

Information published on this Site may refer to products, information or services that are not available in your country or locality. Clydesdale is not obliged to provide such products, information and services and it reserves the right not to do so. The products, information and services published on this Site are not being made available to all users which access this Site and the products, information or services can be withdrawn at any time.
Clydesdale is not in any way obliged to act upon any instructions received from users of this Site.

Clydesdale does not give any guarantees or warranties in respect of this Site and in so far as allowed by applicable law, excludes all implied warranties. In particular, this Site is provided on an "as is, as available" basis and Clydesdale does not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of this Site or any of its content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.

Clydesdale will not be liable to you, the end-user or any third party for any direct or indirect, special, incidental or consequential damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, delict, tort or otherwise from your use of or inability to use this Site for any reason or any content or any website linked to this Site or the materials or information contained and displayed at any or all such sites or from action taken (or not taken) as a result of using this Site or any content or any website linked to this Site or the materials or information contained at any or all such websites.

Any exclusions, limitations or restrictions of liability contained in these Rules of Use shall be subject to the qualification that nothing contained in any such exclusion or limitation or restriction of liability shall operate to exclude or restrict any duty or liability of Clydesdale to any person which it has under the Financial Services and Markets Act 2000 (as amended from time to time).

Nothing in these Rules of Use shall limit or exclude Clydesdale’s liability to you in respect of (i) death or personal injury; (ii) fraud including, without limitation, fraudulent misrepresentation; or (iii) liability which may not otherwise be lawfully limited or excluded.

Please look at the Use of Personal Information section within the Privacy notice Link opens in a new window to understand how we use and protect the information which you provide to us

This Site contains links to other websites or web pages either directly or through frames and, where possible, Clydesdale will make it clear where such links are being made. Links to third party websites or web pages on this Site are provided solely as a convenience to you. If you use these links you will leave this Site. Clydesdale has not reviewed all of these third party sites and does not control, is not responsible and shall have no liability for any of such sites, their availability or their content. Accordingly, Clydesdale does not endorse or make any representations about them or any products, services, information or materials on such third party sites or any results that may be obtained by using them. If you decide to access any third party sites which are linked to from this Site you do this entirely at your own risk. Please advise us immediately if you consider any link pages to be inappropriate, illegal or offensive.

Linking

You may link to this Site provided that you do so in a way that is fair and legal and does not damage or take advantage of our reputation.

• in such a way as to suggest any form of association, approval or endorsement on our part where none exists; and/or
• to the Site in any website that is not owned by you.

You agree that you will not frame the Site on any other website or create any hypertext links between it and any third party website, in each case without our prior written consent and after entering into such agreement as we may require.

We reserve the right to withdraw linking permission without notice.

Should any of these Rules of Use be held to be unenforceable the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect. If Clydesdale fails to exercise any right or remedy available under the Rules of Use such failure does not constitute a waiver of that right or remedy.

Please read the Rules of Use in Terms to understand the rules for using and accessing this Site.

Clydesdale recommends that you seek independent advice before acting on any information contained or displayed on this Site or refraining from acting on the basis of any information contained or displayed on this Site. In particular, the information contained or displayed on this Site does not constitute any form of advice, recommendation, or arrangement by Clydesdale.
Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, Clydesdale accepts no responsibility for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation on this Site.
Nothing on this Site is intended to constitute an offer or solicitation of banking, financial, investment or insurance services or to buy or sell other products or services. Any arrangements made between you and any third parties named on this Site are at your sole risk and responsibility.

Any visitor to this Site agrees that the use of this Site and the terms that are applicable are governed by the laws of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales.

The information appearing on this Site including the products and services described on this Site have been prepared in accordance with and are subject to the laws of England and Wales. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than the United Kingdom and should not be relied on by people of any country other than the United Kingdom. If you choose to access the information on this Site from outside the United Kingdom, it is your responsibility to comply with the applicable local national or international laws and the use of the Site is entirely at your own risk. Please contact your legal advisor for guidance relating to your specific situation.

Our Privacy Notice explains how we use your personal info and describes the categories of personal info we process and why. We are committed to collecting and using such data fairly and in line with the requirements of the General Data Protection Regulations (GDPR).

This is just a summary. You can read the full version online at:

• Virgin Money customers: virginmoney.com/security
• Clydesdale customers: clydesdaleonline.co.uk/privacy-notice

Who we are

Clydesdale trades using the brand Virgin Money. Our Privacy Notice explains your privacy rights and how we gather, use and share info about you. Our Data Protection Officer (DPO) provides help and guidance to make sure we apply the best standards to protecting your personal info and comply with our responsibilities for data protection. Our DPO can be reached by post at: Virgin Money, Data Protection Office, Sunderland SR43 4JB.

See sections 1 and 2 of the Privacy Notice for more details.

Your rights

You have the right to object to how we process your personal info. You also have the right to access, correct, sometimes delete and restrict the personal info we use. In addition, you have a right to complain to us and to the data protection regulator. Find out the best way to be in touch with us at:

• Virgin Money customers: virginmoney.com/security or visit us in branch
• Clydesdale customers: clydesdaleonline.co.uk/contact-us or visit us in branch
• Information Commissioner’s Office: ico.org.uk/global/contact-us

Section 12 of the Privacy Notice gives you more info about your privacy rights.

How we gather your personal information

In addition to the information you provide to us directly, we collect personal information in a number of ways for example from third party credit reference agencies and from looking at how you have used other products and services we offer. Sometimes for your safety and for legal reasons we collect personal information by recording and monitoring calls and from CCTV. We also record calls for training and quality control. Find out more about how we gather your personal information.

How we use your personal information

In addition to the info you provide to us directly, we collect personal info in a number of ways for example from third party credit reference agencies and from looking at how you have used other products and services we offer. Sometimes for your safety and for legal reasons we collect personal info by recording and monitoring calls and from CCTV. We also record calls for training and quality control.

See section 4 of the Privacy Notice for more details about how we gather personal info.

Our products and services

We need some personal info before we can provide our products and services to you, for example to allow us to check your identity. In some cases we won’t be able to provide products and services to you if we don’t have all the personal info we need.

Find out more in sections 5 and 6 of the Privacy Notice.

Sharing and transferring personal information

We share personal info with our suppliers and other third parties where needed to provide you with the best service. We also share personal info with regulators, other banks and law enforcement. Sometimes we transfer personal info to other countries outside the UK for these purposes, where suitable protection is in place.

Section 7 of the Privacy Notice will give you further details about this.

Keeping personal information

We keep your personal info securely for as long as we need to for the purposes described in sections 5 and 6 of the Privacy Notice.

Section 9 will give you further info about how long we keep info for.

Your consent

Sometimes we need your consent to use your personal info (for example for marketing). We won’t always need consent to use personal info – for example if we need it to meet regulatory requirements or to perform a contract with you. Where you have given us consent, you have the right to withdraw it at any time.

See sections 10 and 12 of the Privacy Notice for more details.

Our partners

We want the best for our customers and sometimes we work with other companies to offer you the best products and services.

See section 5 and appendix 3 of the Privacy Notice for more info about our partners.

How we use your personal info

We use your personal info to provide you with products and services (including credit checks), to comply with the law and enforce our legal rights (including debt recovery), and to improve and market our products and services. Sometimes we use automated processes to make decisions about you and to profile you. Sometimes we need to use sensitive personal info such as medical details for products you have requested and to give you the best service.

Find out more about how we use your personal info in sections 5 and 6 of the Privacy Notice.

This Site is operated by Clydesdale and is subject to the Rules of Use set out below. Please take time to read this important information carefully before you start to use this Site, as these Rules of Use will apply to your use of this Site.

By using this Site, you confirm that you accept these Rules of Use and that you agree to comply with them. If you do not agree to these Rules of Use, you must not use our Site.

The Rules of Use apply to your use and access to this Site. There are separate terms and conditions applicable to any product or service you may purchase from us or any member of the Group (as defined below).

Please note that if you are an existing Clydesdale customer, these terms will apply in addition to those contained in any customer agreements to which you are a party. All our products and services are also subject to separate terms and conditions which govern their use.

Clydesdale is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority.

Clydesdale, which also trades as Virgin Money, is a member of the Nationwide Building Society group of companies ("the Group").
The Group includes Clydesdale, each subsidiary or holding company of Clydesdale from time to time and each subsidiary from time to time of any such holding company.
A complete list is available on request. 'NATIONWIDE BUILDING SOCIETY (trading as Clydesdale). Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW'.

The VAT number of Nationwide Building Society is 485 9633 89.

Clydesdale adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Link opens in a new window

You should access this Site through the homepage or via a relevant product information page and should not access any of the online forms or services directly. Throughout this Site there are words highlighted in bold and /or colour that are links that will take you to another page of this Site or part of that page. Depending on your screen resolution, the text and materials on one page of this Site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars in order to access the entire content of the page. If you do not do this you may not see important material and information. Clydesdale shall not have any liability if a user suffers loss or damage as a result of failing to use and access this Site properly.

As noted above if you access online forms or services directly you may not see important material and information including links to important legal or regulatory information which should be read in conjunction with the Rules of Use and Clydesdale’s Privacy Policy and other relevant information. Clydesdale shall not have any liability if a user suffers loss or damage as a result of failing to see relevant legal or regulatory information displayed on this Site.

Access to this Site is permitted on a temporary basis, and Clydesdale reserves the right to suspend, discontinue, withdraw or amend all or any part of the service it provides on this Site without notice. Clydesdale will not be liable if for any reason this Site is not available at any time or for any period.

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential and you must not disclose it to any third party. We have the right to disable any such user identification code or password, whether chosen by you or allocated by Clydesdale, at any time, if in the Clydesdale’s opinion you have failed to comply with any of the provisions of these Rules of Use. You must promptly change your identification code or password if you know or suspect that anyone other than you knows your user identification code, password or any other piece of information used as part of our security procedures.

You are responsible for making all arrangements necessary for you to access this Site.

You will not post or transmit any statement or material while accessing or using this Site that is unlawful, obscene, indecent, libellous, pornographic, offensive, defamatory, threatening, abusive, libel to incite racial hatred, discriminatory, menacing, threatening, scandalous, in breach of confidence, in breach of privacy or that would be considered a criminal offence, give rise to civil liability or otherwise be contrary to the law of, or infringe the rights of any third party enforceable in, any part of the United Kingdom or elsewhere.

You are liable for any posting on or transmission to this Site by you and Clydesdale accepts no responsibility and/or liability in relation thereto.

Clydesdale and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this Site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this Site are published on the strict condition that you, the user, assume all risk of use and Clydesdale hereby excludes liability for all and any consequences of your use of such files or programs. We recommend that you use your own virus protection software.

You will not transmit any technically harmful postings or transmissions to or through this Site (which shall include but not be limited to computer viruses, logic bombs, Trojan horses, worms, harmful components, corruptive data or other malicious software or harmful data) or engage in other practices of misuse (which shall include but not be limited to hacking).

Clydesdale does not accept any liability for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may adversely affect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it.

Important information about compensation arrangements.

Clydesdale is a member of the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme. The FSCS can pay compensation to customers if they are eligible and a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim.

Persons dealing with any member of the Group outside the UK should be aware that they may not be covered by the rules and regulations applicable for the protection of investors in the UK and should seek advice in the relevant territory.

Your eligible deposits with Clydesdale are protected up to a total of £120,000.

This limit is applied to the total of any deposits you have with the following: Nationwide Building Society and Virgin Money. Any total deposits you hold above the limit between these brands are unlikely to be covered.

For more information you can download the FSCS leaflet Link opens in a new window or for further information visit the FSCS website. Link opens in a new window