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 terms and conditions. These conditions supplement the general conditions of the Customer Agreement and any additional conditions specific to the relevant account or product you may be accessing. In the event of any inconsistency between these conditions and the general conditions of the Customer Agreement and/or the additional conditions, these terms will apply in relation to Internet Banking.
Internet Banking supports the following browsers: Microsoft Internet Explorer version 5.5 or above, Firefox version 1 or above. Other browsers may also be compatible. Please contact your Internet Service Provider if the browser version you use requires upgrading.
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 The minimum withdrawal which you can make is £10. The maximum daily limit for Internet Banking withdrawals is £25,000. This limit may change from time to time. Larger withdrawals can be arranged by contacting our Customer Services Team on 0845 845 0829.
3.2 We will act on instructions using your Login Details without getting further confirmation from you.
3.3 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.
3.4 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.
3.5 We need not:
- accept a conditional or reversible instruction; or
- pay someone sooner than we could following our normal banking practices.
3.6 We may, if we think it justified, refuse to carry out an instruction or insist on written confirmation.
3.7 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.
3.8 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.
3.9 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. Our right to change this agreement
6.1 We may change the terms of this agreement by sending you a message via Internet Banking or by post.
6.2 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).
7. 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.
8. 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.
9. Your personal data and Scottish Widows Bank
For information on how Scottish Widows Bank manage your information in accordance with the Data Protection Act please refer to the Terms and Conditions specific to your mortgage or savings account.
10. 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.
11. General
11.1 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.
11.2 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.
11.3 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
11.4 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.
11.5 If your complaint cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service, Section 10 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 845 0829. Lines are open 8am to 6pm 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.
