This page contains important information relating to your use of the Yorkshire Bank website, the privacy of your information, and our products.
This internet site (www.ybonline.co.uk) (this "Site") of Clydesdale Bank PLC (the "Bank") 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 the Bank.
Yorkshire Bank is a trading name of Clydesdale Bank PLC which 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 Bank PLC, which also trades as Yorkshire Bank, is a member of a group of companies (the "Group"). The Group includes Clydesdale Bank PLC, each subsidiary or holding company of Clydesdale Bank PLC from time to time and each subsidiary from time to time of any such holding company. A complete list is available on request.
Clydesdale Bank PLC is registered in Scotland under the company number: SC001111, and has its registered office at 30 St. Vincent Place, Glasgow, G1 2HL.
The VAT number of Clydesdale Bank PLC is 261377066.
Yorkshire Bank complies with the requirements of the Lending Code, a voluntary code which sets standards for good lending practices.
Further details can be found on the Lending Standards Board website www.lendingstandardsboard.org.uk (opens in a new window)
We are fully committed to high standards of service, treating our customers fairly, helping our customers understand how their accounts operate and giving them a better understanding of banking services and maintaining confidence in the security and integrity of banks. For further information please refer to our website or contact Your Branch or relationship manager.
Details can be found on the British Bankers Association (BBA) website (opens in new window) of sources of free help and advice with a focus on debt counselling and business support.
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. The Bank shall not have any liability if a user suffers loss or damage as a result of failing to use and access this Site properly.
Access to this Site is permitted on a temporary basis, and the Bank reserves the right to withdraw or amend the service it provides on this Site without notice. The Bank 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 the Bank, at any time, if in the Bank's opinion you have failed to comply with any of the provisions of these Rules of Use.
You are responsible for making all arrangements necessary for you to access this Site.
Copyright in the contents of, and in all information contained on this Site, vests in (or is duly licensed to) the Bank. All rights not expressly granted therein are reserved by Clydesdale Bank PLC. 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 the Bank. 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.
The 'YB device' and 'Yorkshire Bank' are registered trademarks of the Bank. Unauthorised use of these trademarks and any other trade marks appearing on our website is not permitted.
The information contained or displayed on this Site is believed by the Bank to be reliable when displayed.
Whilst the Bank has taken reasonable care to ensure that the information and functions contained or displayed on this Site are complete and correct, the Bank 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. The Bank 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.
The Bank 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 the Bank 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. The Bank 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. The Bank is not in any way obliged to act upon any instructions received from users of this Site.
The Bank 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 the Bank 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.
The Bank 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 the Bank 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 the Bank’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.
Use of personal information and security.
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 the Bank accepts no responsibility and/or liability in relation thereto.
The Bank 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 the Bank hereby excludes liability for all and any consequences of your use of such files or programs.
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).
The Bank 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.
This Site contains links to other websites or web pages either directly or through frames and, where possible, the Bank 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. The Bank 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, the Bank 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.
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 the Bank 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.
The Bank 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 the Bank. Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, the Bank 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.
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 . 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.
Important information about compensation arrangements.
Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.
This limit is applied to the total of any deposits you have with the following: Clydesdale Bank and Yorkshire Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Clydesdale Bank PLC ("We" or “the Bank”) are committed to protecting and respecting your privacy.
Clydesdale Bank PLC 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 Bank PLC, which also trades as Yorkshire Bank, is a member of a group of companies ("the Group"). The Group includes Clydesdale Bank PLC, each subsidiary or holding company of Clydesdale Bank PLC from time to time and each subsidiary from time to time of any such holding company. A complete list is available on request.
Yorkshire Bank will share information about you with other members of the Group. The following sections explain in more detail how and for what purposes the Group will use your personal information.
If you do not register your details on this website, personal information about you will not be collected by us unless you give us this voluntarily in order to process a specific request. We will use that data only to fulfil that request.
We currently may hold personal and financial information about you and may obtain or receive such information about you in the future. The information we process about you will be obtained from various sources including:
For our internal operational reasons we may link information concerning your accounts with us to information concerning other products and services we provide to you. We may also link your information to that of other individuals with whom you are financially associated. Such information may also include sensitive personal data, such as information relating to your health, or criminal convictions or proceedings. However we only hold or process such data where you have provided consent and we need the data for the purposes of the product or services we provide to you or it is in our normal course of business to do so; for example, insurance products.
We will use your information:
We may also use your information for system testing purposes.
Where a third party has introduced your custom to the Group we may pass back to the introducer necessary information to enable administration of any payment or settlement.
In the provision to you of products and services involving insurance we are required to pass your details to insurers. Information you provide in connection with any claims made under the insurance may be recorded on to a register of claims through which insurers share information to prevent fraudulent claims. A list of participants and the register operator is available from the insurers.
We use a process known as credit scoring and may use other automated decision making processes to assist in the assessment of applications and to make other decisions during your relationship with us. We will tell you the reason for any decision that we make, if you request us to do so. You have the right to ask us to review such decisions manually.
Telephone calls to the numbers detailed on this Site may be recorded or monitored. This is for your security and with the aim of improving service and for staff training.
Under the Data Protection Act 1998 (the “act”), you have the right to request a copy of the personal information which we hold about you. Your right of access can be exercised in accordance with the act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you To request a copy of some or all of your personal information which we hold please write to us at Retail Services 3rd Floor, 40 St Vincent Place, Glasgow, G1 2HL.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove any information which you think is inaccurate. Please inform us of circumstances which change the personal information which we hold.
We will treat all your information as confidential and will not give your information to anyone except where:
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
In order to assess any applications that you may make for credit products or any request for an increase to any existing credit product that we may already provide to you, your suitability for, or to provide you with, credit products and services, we will search the records of one or more licensed credit reference agencies to obtain information on you.
These agencies may add details of our search and your application to the records they hold on you, whether or not your application proceeds. We may also add details of how your agreements or accounts operate with us to these records including any default or failure to keep to the terms of your agreement and any failure to advise us of a change of address where a payment is overdue.
Credit searches and other information provided to the credit reference agencies and fraud prevention agencies about you, and those with whom you are linked financially, may be used and disclosed by such agencies to other companies unrelated to us for the purposes mentioned above. Credit reference agencies will also use the information for statistical analysis about credit, insurance and fraud.
For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. An "association" between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand and agree that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a 'disassociation' at the credit reference agencies. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners.
If you would like details of the agencies from which we obtain and record information about you, please write to: Central Refer Unit, 20 Merrion Way, Leeds, LS2 8NZ.
If we take the view that you may be required to report your income or are otherwise subject to tax in another country then we may share information about your accounts with the relevant foreign tax authority or with the UK tax authority (which may then share that information with the appropriate foreign tax authority). If, to facilitate this, we need to request information or documents from you then you must supply these to us within 30 daysof such request. If you don’t do this, you agree that we may either close your account or, if the law or other regulations requires us to do so, withhold such funds from your account as required and pass those withheld funds to the relevant tax authorities.
We may, where it is in accordance with our record of your marketing preferences, contact you by post, phone, fax, e-mail, SMS text, internet banking, mobile banking or other reasonable means to inform you about products and services supplied by ourselves or selected third parties that we consider may be of interest to you. We will not pass your information to anyone outside our Group for their own marketing purposes without your consent. You can inform us at any time if you do not want to receive marketing information from the Group. Please contact us.
If we or any other company in our Group wishes to sell or transfer all or part of its business and assets or any associated rights of interest, or to acquire a business or enter into a merger, we may require to disclose your personal data and confidential information to any potential buyer, transferee, merger partner or seller and its advisers and any other persons we may reasonably decide requires to see such information. We will ensure that your information is processed only in accordance with our instructions and under strict obligations of confidentiality. If the sale or transfer is completed the buyer, transferee, or merger partner may continue to use, process and disclose your information subject to the same provisions set out here.
We respect the privacy of personal email accounts and we store your email addresses just as securely as other personal information. Your details will not be passed to any organisation outside the Group for marketing purposes without your consent.
We may use email in response to enquiries you make about our services or service issues.
We will NEVER contact customers via email asking to supply any confidential information, telephone or internet banking login details.
From time to time we will engage service providers, agents and subcontractors to provide services. They will have access to, and will process, your information on our behalf to provide such services.
When you register details and are logged into our internet banking we use a secure server. Any data you give us when you are logged into the internet banking service is encrypted using a 'Secure Socket Layer' (SSL) session. SSL is an industry standard and is one of the best ways to ensure internet messages are not intercepted. You should be aware, however, that some older browsers cannot use SSL. If your browser does not support 128 bit encryption (or higher) you will not be able to log into or use our internet banking service.
Apart from things we do to protect you there are things that you can also do to protect yourself while using our internet banking service. For more information regarding security please go to Fraud prevention and security centre.
Our general email enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include confidential information when using them (such as bank account details).
Messages sent and received via the message service when you are logged into your accounts via our internet banking service are encrypted and therefore secure.
While we use SSL encryption to protect internet banking user information online, we will use all reasonable endeavours to protect user information off-line. However, any personal details or other information entered onto or submitted through the site or by email to us is entered or transmitted at the user's risk and we shall not be liable for any such information being intercepted or accessed by any third party without our knowledge.
We may work with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we, and/or these third parties may place a unique "cookie" on your browser.
As a result of improvements we make to our services, amendments to laws or regulation or developments in the technology or processes we use, we may change the information we hold about you and/or the way in which or the purposes for which we process such information. Where we require your consent to such change we will notify you of the change. However, unless you inform us otherwise, we will deem your continued receipt of products and services to which the change relates to constitute your consent to the relevant change.
If you would like any further information on the Data Protection Act 1998 and your rights under it, you can also contact The Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF or visit www.ico.org.uk.
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