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Legal and Privacy

Details of our legal and privacy policies

This page contains important information relating to your use of the Yorkshire Bank website, the privacy of your information, and our products.

References to "you" or "your" are references to any person accessing this internet site (www.ybonline.co.uk) (the "Site").

References to "we", "us", "our" or the "Bank" are references to Clydesdale Bank PLC.

Legal

Use of the Site and Site content

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) 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. 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 'YB device' and 'Yorkshire Bank' are registered trademarks of the Bank. Unauthorised use of these trademarks and any other trademarks appearing on our Site is not permitted.

Updating Site content

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.

Warranties and limitation of liability

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.

Please look at the Use of Personal Information section within the Fair Processing Notice to understand how we use and protect the information which you provide to us.

Unaffiliated websites

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.

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.

You must not establish a link:

  • 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

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 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.

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

Independent legal advice

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.

Governing law

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.

Privacy

Use of personal information

Our Fair Processing Notice explains how we use your personal data, describes the categories of personal data we process and for what purposes. We are committed to collecting and using such data fairly and in accordance with the requirements of the GDPR.

This is a summary of our Fair Processing Notice. You can read the full version here.

Who we are

Clydesdale Bank PLC trades using the brands Clydesdale Bank, Yorkshire Bank and 'B'. Find out more about your privacy rights and how we gather, use and share information about you. Our Data Protection Officer can be reached by email at CYBG.data.protection.officer.queries@cybg.com or by post at Group Data Protection Officer, Group Risk, Level 3, 51 West George Street, Glasgow G2 2JJ. See sections 1 and 2 of our Fair Processing Notice for more details.

Your rights

You have the right to object to how we process your personal information. You also have the right to access, correct, sometimes delete and restrict the personal information we use. In addition, you have a right to complain to us by contacting us and to the data protection regulator, the Information Commissioner's Office whose contact details are available at the ICO website. Find out more about your 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

We use your personal information 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 information such as medical details to make available products you have requested and to give you the best service. Find out more about how we use your personal information.

Our products and services

We need some personal information 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 information we need. Find out more about the legal basis for using your data.

Sharing and transferring personal information

We share personal information with our suppliers and other third parties where needed to provide you with the best service. We also share personal information with regulators, other banks and law enforcement. Sometimes we transfer personal information to other countries outside the UK for these purposes, where suitable protection is in place. Find out more about how and when we might share your personal information.

Keeping personal information

We keep your personal information securely for as long as we need to for the purposes described in section 10 of the Fair Processing Notice. Find out more about how long we keep personal information for.

Your consent

Sometimes we need your consent to use your personal information (for example for marketing). We won't always need consent to use personal information - 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. Find out more about how we keep you up to date.

Changes

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.

Terms

Rules of use of this website ("Rules of Use")

This Site is operated by Clydesdale Bank PLC 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 Bank PLC 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.

Information about Clydesdale Bank PLC

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 the CYBG group of companies ("the Group"). The Group includes CYBG PLC, each subsidiary or holding company of CYBG 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.

Standards of Lending Practice

Yorkshire Bank adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Good Banking

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 the Site or contact your local branch or relationship manager.

British Bankers Association (BBA)

Details can be found on the British Bankers Association (BBA) website of sources of free help and advice with a focus on debt counselling and business support.

Accessing this Site

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.

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 the Bank's Privacy Policy and other relevant information. The Bank 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 the Bank reserves the right to suspend, discontinue, withdraw or amend all or any part of 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 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.

Acceptable use policy

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.

Viruses, hacking and other offences

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. 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).

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.

Financial Services Compensation Scheme (FSCS)

Important information about compensation arrangements.

Clydesdale Bank PLC 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 Bank PLC are protected up to a total of £75,000.

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.

For more information you can download the FSCS leaflet or for further information visit the FSCS website.

Email addresses

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.

How we protect your data

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.

Internet cookies

We may work with third parties to research certain usage and activities on our Site 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.

More details about the use of cookies can be found in the Fair Processing Notice. For more information of the types of cookies we use on our Site, see our Cookie policy.

Contact

Questions, comments and requests regarding any of the information contained here are welcomed and you can do so by Contacting us. Please note that telephone calls using the telephone numbers provided on this Site and email correspondence using the email addresses accessible through this Site may be recorded or monitored. By using such communication methods you are accepting and consenting to the recording or monitoring of the same.

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