Rules of Use
Rules of Use of this Site ("Rules of Use")
Governing Law
Use of Website and Content
Updating Site Content and Security
Warranties and Limitation of Liability
Use of Personal Information
Unaffiliated Websites
Accessing this Site
Enforceability
Communication via this Site
The Internet site of Clydesdale Bank PLC trading as Clydesdale Bank International (the "site") is subject to the Rules of Use set out below. Please take time to read this important information. Use and access of this site infers your acknowledgement and acceptance of the Rules of Use as the same may be amended from time to time.
In the Rules of Use, a reference to "we", "us" or "our" is a reference to Clydesdale Bank PLC.
Governing Law
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 the Bailiwick of Guernsey. The information may not satisfy the laws of any other country.. Any visitor to this site agrees that the use of this site and the terms that are applicable are governed by the laws of the Island of Guernsey and are subject to the non-exclusive jurisdiction of the courts of the Bailiwick of Guernsey.
You should check that under the laws of your country of domicile and residence that there are no restrictions which might limit or prevent you from dealing with us. It's your responsibility to investigate such requirements and seek the necessary legal advice if you are unsure of your position.
Use of Website and Content
Copyright in the contents of, and in all information contained on this site, vests in (or is duly licensed to) Clydesdale Bank PLC © 2005. All rights not expressly granted therein are reserved by us. 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 our specific prior written consent . 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 'CB device' and 'Clydesdale Bank' are registered trademarks of Clydesdale Bank PLC. Unauthorised use of these trademarks is not permitted. Other trademarks[, including Barclays-Stockbroker Price Improver and MasterCard,are licensed for our use only and cannot be used or reproduced by any unauthorised party.
We recommend 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 us. Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, we accept 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. Users should satisfy themselves as to the lawfulness of their use of this site and their dealings with us including their entering into and use of products and facilities offered by us and no warranty as regards such lawfulness is given by us or any body or person purporting to act on our behalf . Information published at this site may refer to products, information or services that are not available in your country or locality. We are not obliged to provide such products, information and services and we reserve the right not to do so. The products, information and services published in 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. We are not in any way obliged to act upon any instructions received from users of this site.
Any arrangements made between you and any third party named on this site are at your sole risk and responsibility.
Updating Site Content and Security
The information contained or displayed on this site is believed by us to be reliable when displayed.
Whilst we have taken reasonable care to ensure that the information and functions contained or displayed on this site are complete and correct, we do 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.
This site may be updated from time to time so that at any one time it may be out of date. We make no commitment to update the content and materials on this site. The use of the internet and transmitting information to or from the site may not be secure from access by third parties and therefore may not remain confidential or private. 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. We take all reasonable precautions to protect our users' information. Our e-mail enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include sensitive personal information when using them. When our registration/application form asks users to enter sensitive information (such as Bank account details), that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive 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 this site or by e-mail 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 the knowledge of Clydesdale Bank PLC or any of its employees or agents. [Access to all of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personally identifiable information. Our employees use password-protected screen-savers when they leave their desk. When they return, they re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.
Warranties and Limitation of Liability
We do not give any warranties in respect of this site and in so far as allowed by applicable law, exclude all implied warranties. In particular, this site is provided on an "as is, as available" basis and we do not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of this site or any content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.
We and our 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 we hereby exclude liability for all and any consequences of your use of such files or programs.
We 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 web-site 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 web-site linked to this site or the materials or information contained at any or all such web-sites.
Use of Personal Information
Where we collect personal information about you, this personal information may be transferred to and/or shared with and/or used by other members of the Group to the extent necessary and/ or appropriate for us to provide the services you have requested.
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.
We use IP addresses to analyse trends, administer this site, track user's movement and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information.
We and, or any third party engaged by us to carry out research for the purposes noted above will use cookies or other similar text files or programs when you visit certain parts of this site. A cookie is a small file which is sent to your browser and stored on your computer's hard disc and helps us understand and track your use of this site and where it can improve the information and services provided. We use cookies solely to gather information on IP addresses, to analyse trends, administer this site, track user's movements on this site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages. For information about blocking the use of cookies, please refer to the instructions/help screen on your Internet browser. Please note that you may not be able to use or access certain parts of this site or online services if you block the use of cookies.
Clydesdale Bank International is registered with the Data Protection Commissioner, Registration Number 011379, under the Data Protection Law 2001. The information held by the Bank about the client may only be disclosed outside of the Bank at the request and with the client's consent, to the Bank's agents and others in connection with the running of accounts and services for the client. In certain circumstances, we may from time to time be required to disclose your information to governmental, regulatory or judicial bodies or agencies. The information you provide us and that we collect may be used to contact you with other products or services provided by the Company. If you do not wish to receive this information, please tick the box to opt out of marketing on the application form.
Unaffiliated Websites
This site contains links to other websites or web pages either directly or through frames and, where possible, we 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. We have not reviewed all of these third party sites and does not control, is not responsible and shall have no liability for any of these sites, their availability or their content. Accordingly, we do 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.
Accessing this Site
You should access this site through the homepage and not straight to individual pages of this site. Throughout this site there are words highlighted in bold and underlined in the text. If you click on these words you will be taken 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. We 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 individual pages 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 our Privacy Policy and other relevant information and we 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.
Enforceability
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 we fail to exercise any right or remedy available under the Rules of Use such failure does not constitute a waiver of that right or remedy.
Communication via 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, blasphemous, 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 Bailiwick of Guernsey or elsewhere.
You are liable for any posting on or transmission to this site by you and we accept no responsibility and/or liability in relation thereto.
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 mis-use (which shall include but not be limited to hacking).
We will co-operate fully with any enforcement, authority or court order requesting or directing us to disclose the identity or location of anyone in breach or allegedly in breach of any of the above.
Clydesdale Bank International is a trading name of Clydesdale Bank PLC. The Guernsey Branch of Clydesdale Bank PLC is licensed by the Guernsey Financial Services Commission as a deposit-taking business, under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended. Clydesdale Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period.
Full details are available on the Scheme's website www.dcs.gg or on request.
There is currently no Financial Services Ombudsman Scheme operational in Guernsey. Deposits with Clydesdale Bank International are not covered by the Financial Services Compensation Scheme established in the UK under the Financial Services and Markets Act 2000, nor are deposits with Clydesdale Bank International covered by any equivalent scheme in any other jurisdiction.
Principal place of business in Guernsey: Clydesdale House, North Clifton, St Peter Port, Guernsey, GY1 1JR
Telephone: + 44 (0) 1481 711102 Fax: + 44 (0) 1481 723663
Clydesdale Bank PLC. Registered in Scotland (No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL.
* telephone calls are recorded.
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