A new service for you - Internet Banking
Terms and conditions for personal customers
Conditions for use of Scottish Widows Bank Internet Banking by customers of Scottish Widows Bank plc.
Please read these carefully.
Please read this agreement carefully before applying. Your use of Internet Banking will indicate
your acceptance of the terms in this agreement.
This agreement replaces any earlier conditions about Internet Banking . The accounts and products you may be accessing
through Internet Banking have their own conditions. If there is a difference, this agreement will prevail.
See the section at the end ('The meaning of some words in this agreement') for definitions of bold words.
1. Security
1.1 To ensure you alone can access and give instructions using Internet Banking, you must keep to the following security procedures.
Login Details1.2 You must take all reasonable steps to ensure your Login Details stay secret. You must not disclose
your Login Details to anyone - even to your joint account holder or someone
in our Customer Services Team.
1.3 If you think your Login Details are known to someone else, you must change them through Internet Banking as soon as possible.
If this is not possible you must notify us by calling our Customer Services Team as soon as possible. We will suspend Internet Banking until your
new Login Details have been activated.
General
1.4 You must not let anyone else operate Internet Banking for you.
1.5 You must follow the security rules. You can view this information by clicking the 'Security' footer at the bottom of each Internet Banking screen.
1.6 If you think there are unauthorised transactions, you must notify us by calling our Customer Services Team as soon as reasonably possible.
You should check statements we send you and let us know about any errors.
1.7 Internet Banking cannot be accessed or operated by a Power of Attorney, Guarantor or Third Party Mandate holder.
2. Joint Account holders
In submitting your application for Internet Banking, you confirm your joint account holder(s) is/are happy for you to access your joint accounts via Internet Banking. However, we will end your use of Internet Banking immediately on all your accounts if any joint account holders notify us:
- they never consented to your application for Internet Banking (in which case you agree to indemnify us for any costs or losses that we incur as a result);
- the joint account can no longer be operated on your instructions alone; or
- they will no longer let you operate the joint account using Internet Banking.
3. Carrying out your instructions
3.1 We will act on instructions using your Login Details without getting further confirmation
from you.
3.2 You will not be liable for instructions you did not authorise, but which use your Login Details, if:
- they are given after you notify us that you think your Login Details are known to someone else;
- they are given before you notify us, unless you acted fraudulently or with gross negligence, or you failed to follow our security procedures;
- someone impersonating you contacts our Customer Services Team;
- the Login Details have become known through our actions or negligence.
3.3 Once you have given an instruction you cannot cancel it. If you ask us, we may try
and reverse it as far as possible under the practices of the banking system. You will pay any costs.
3.4 We need not:
- accept a conditional or reversible instruction; or
- pay someone sooner than we could following our normal banking practices.
3.5 We may, if we think it justified, refuse to carry out an instruction or insist on written
confirmation.
3.6 If we think you may not have authorised an instruction, we will try to check it. We may refuse to act on it or
take steps to reverse it. We will not be responsible for loss to you as long as we have acted reasonably.
3.7 A transaction may not always be processed as soon as you give the instruction for it. Also, some instructions
can only be processed during normal banking hours even though Internet Banking may be
operational longer.
3.8 You can access Internet Banking 24 hours a day . Routine maintenance, demand on
the systems, and other circumstances may mean that is not always possible.
4. Liability for loss
We are only liable for direct loss to you, and then only if caused by our negligence or deliberate default. We are not liable for indirect loss. Examples where we are not liable include:
- acting on authenticated instructions which in fact were given by somebody else (see 3.2 for exceptions);
- incompatibility between Your System and Internet Banking;
- anything beyond our reasonable control that disrupts Internet Banking or causes your instructions to be delayed or not acted on;
- any misuse or abuse of Internet Banking by you.
Note: If you need to be sure an instruction has reached us or when it will be carried out, contact our Customer Services Team.
5. Ending your use of Internet Banking
5.1 You may cancel Internet Banking by calling our Customer Services Team.
5.2 We may end or suspend your use of Internet Banking. We will usually give you 30 days' notice in writing. We may give
you less or no notice if we consider it reasonably necessary, for example because of security concerns or because of
breaches of banking arrangements with us.
5.3 We may suspend your use of Internet Banking if you do not use it for 12 months.
5.4 Ending your use of Internet Banking will not affect instructions you have already given.
6. Charges
7. Our right to change this agreement
7.1 We may change the terms of this agreement by sending you a message via Internet Banking or by post.
7.2 We will normally give you 30 days' notice of any change. It may have to be shorter to protect security or in other
circumstances beyond our control. After you have received notice your use of Internet Banking is acceptance of the change
(but remember, you can always end Internet Banking).
8. The validity of this agreement
We believe this agreement is fair. If any part proves not to be legally valid because it is unfair, it will not affect the rest and we are entitled to treat that term as changed in a way that makes it fair and valid.
9. Service quality: recording your calls and instructions
To check we have carried out your instructions correctly and to help improve our service, we will keep a record of all the instructions you give on Internet Banking, and we may monitor and record calls to our Customer Services Team.
10. Your personal data and Scottish Widows Bank
For the purposes of section 10 only “I/me/my” means the customer who becomes registered with us to use Internet Banking and “you/your” means Scottish Widows Bank.
This declaration relates to the personal details given on this form and to any other information which I provide to Scottish Widows Bank, or which it holds on me.
I agree that you may hold information on me for administration, research, analysis, credit assessment, fraud prevention and the marketing of financial and related products and services. In accordance with the Data Protection Act 1998 I understand that I have a right to ask you to send me a copy of this information (on payment of an administration fee, which is currently £10) and the right to request you to change any of this information if it is incorrect.
I understand that the information may, in certain cases, be disclosed to other companies in the Scottish Widows Group or to associated companies including Lloyds TSB Group companies, or agents acting on behalf of the Group, where the interests of Scottish Widows Bank require such a disclosure. Information, including full details of the conduct of my account and any transactions that I make, may be shared and used by Scottish Widows Bank and other companies within the Scottish Widows and Lloyds TSB Groups, to enable them to identify and advise me, by post, telephone or other electronic media, of any products and services that they think may be of interest to me. I understand that if I do not want to receive details of other products or services, I can write to you or call the Customer Services Team. (Other Lloyds TSB Group companies will not make marketing approaches unless there is an existing relationship with them). I understand that you will remind me periodically that I can request Scottish Widows Bank not to send me any marketing information regarding additional services and products of Scottish Widows Bank or other companies by writing to you at PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ, quoting my account number.
The information you hold about me is confidential. You will only disclose it outside the Scottish Widows Group (or associated companies, including Lloyds TSB Group companies) when:
- I give you my consent,
- it is needed by your agents and others involved in running accounts and services for me,
- you or others need to investigate or prevent crime,
- the law permits or requires it, even without my consent,
- there is a duty to the public to reveal the information,
- you need to assist any body which monitors compliance with any code of practice to which you subscribe, in discharging its functions under the code,
- you need to assist the Financial Ombudsman or your regulator.
To confirm my identity you may make searches at credit reference agencies, including electoral register information. This search may be recorded by the credit reference agencies but it will not be used by other lenders or insurers when assessing lending or insurance risks, although it may be used for debt tracing and to prevent money laundering.
You may check what I have told you and share information with fraud prevention agencies. I understand that it is important that I give you accurate information as if I give false or inaccurate data and you suspect fraud, you will record this at the agencies.
These records may be used by you and other organisations to help make decisions about me and members of my household:
- for credit and credit related services, and to manage my accounts,
- for motor, household, credit, life and other insurance proposals or insurance claims, and
- for fraud prevention, debtor tracing, debt recovery, and to check my identity to prevent money laundering.
- Checking details of job applicants and employees
If I ask, you will tell me which agencies you have used so I can get a copy of my details from them.
I confirm that I have consent for this agreement from any joint applicant who is not present, and I will share with them the details of what I have agreed to on their behalf.
You may monitor or record phone calls with me in case you need to check you have carried out my instructions correctly and to help improve your quality of service.
11. The law covering this agreement
For legal purposes the law of England and Wales, Scotland or Northern Ireland will apply. This will depend on where you live when you sign up to Internet Banking. For account holders resident elsewhere, the law of Scotland will apply.
12. General
12.1 Scottish Widows Bank plc is a provider of financial services and products, and has its registered office at PO BOX 12757, 67 Morrison Street, Edinburgh, EH3 8YJ.Registered in Scotland, no.154554.
12.2 The supply of Internet Banking in the UK is subject to the regulation of the Financial Services Authority, and Scottish Widows Bank plc is authorised and regulated by the Financial Services Authority. You can find out more about this by visiting www.fsa.gov.uk.
12.3 At Scottish Widows Bank our number one priority is to provide you with the highest level of customer service. If there is anything more we can do for you or if there is a problem, please let us know - we'll try to find a solution as quickly as possible. Scottish Widows Bank has in place an internal complaints procedure, details of which can be obtained by telephone from our Customer Services Team.
Alternatively you can write to us at:
Customer Services Department
Scottish Widows Bank plc
PO Box 12757
67 Morrison Street
Edinburgh EH3 8YJ
12.4 If a dispute cannot be resolved by our internal complaint procedures, you will be entitled to make a complaint to the Financial Ombudsman Service:
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, www.financial-ombudsman.org.uk 0845 080 1800.
12.5 If your complaint cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service, Section 11 applies.
The meaning of some words in this agreement
Internet Banking: the service we provide enabling you to obtain information from us and
give instructions to us by a computer, digital television, WAP phone or other means that we make
available in future.
User Guide: the guide and information we provide about Internet Banking.
Customer Services Team: Available on 0845 757 3444. Lines are open 8am to 9pm Monday to Friday (10am on Wednesdays).
Login Details: The Customer ID, password and PIN number used to identify you when you use Internet Banking.
We/us/our/Bank: Scottish Widows Bank plc
You/your: the customer who becomes registered with us to use Internet Banking.
Your System: the electronic equipment used to access Internet Banking.
The agreement for Internet Banking is in English.
You agree that we can communicate with you in English in relation to this agreement.
