Legal Notices
Please ensure that you read this information with care, as it specifies the terms and conditions which govern your use of and access to this website. We would recommend that you read this information each time you visit this website. If you do not accept them, you should not use this website.
This website is owned by:
Northern Rock plc - Registered Office
Northern Rock House,
Gosforth,
Newcastle upon Tyne,
NE3 4PL,
UK.
Registered in England under Company Number - 3273685
To users of this site the following provisions apply:
Audience
Northern Rock plc is a bank registered in the UK and the products on this site are only available in the UK.
Although accessible by others, the information appearing on the pages of this site is solely intended for use of individuals resident in the United Kingdom. Northern Rock plc makes no representations that information on this site is appropriate or available for use in other locations. Users who access this site from other locations do so on their own initiative and risk.
No information on this site should be construed as a promotion or solicitation for any services, which is not authorised by the laws and regulations of your place of residence or domicile.
This site contains links to other Northern Rock sites, which accept applications by persons other than UK residents. Please read the terms and conditions of these sites separately.
The bank does not accept deposits from US citizens domiciled in the United States or US residents. Bank deposits are not insured by FDIC.
Contents
The content of this site is provided for general information purposes only and does not constitute financial or other advice. Neither the information nor opinions expressed in this site constitutes an offer to provide any product or service. These terms and conditions are subject to change and update by Northern Rock plc from time to time without notification save those areas governed by the Financial Services Authority (FSA) and Banking Codes (see Banking Code below). You should periodically revisit this page and the relevant pages on this site to review the current position.
Copyright
The information contained on and the contents of the pages of this site, not limited to the layout and expression are copyright of Northern Rock plc and/or its third party suppliers and may not be copied, transmitted, converted, transcribed or reproduced without the prior consent of Northern Rock plc. You may print/download on any single computer one copy of these pages for your own personal non-commercial home use. All copyright notices, propriety notices and disclaimers should also be copied. All rights not expressly granted by us in these terms and conditions of use are hereby reserved.
Trademarks
All brand names and product names referred to in this site are trademarks or trade names of Northern Rock plc.
Exclusion of Liability
Northern Rock plc is not responsible for any losses, injury or damage whether direct or indirect, special or consequential caused by Northern Rock plc on-line service or site arising in any way out of the use thereof and in particular in respect of unavailability of access to the internet, Northern Rock plc service system maintenance, or any electronic or telecommunication failure beyond the control of Northern Rock plc.
Northern Rock plc makes no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with this site.
Other Sites
This site may provide links which lead to the websites of third parties. Northern Rock plc does not accept any responsibility for the content or operation of such sites.
Financial Services Compensation Scheme (FSCS)
Northern Rock is a member of the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act 2000.
Depositors
Payments under the Scheme are limited to 100% of the first £50,000 of a depositor's total deposits with the bank. The Scheme limit relates to each depositor for their combined deposits held with Northern Rock and not for each account. This means that each account holder in a joint account would be eligible for compensation up to the maximum limit of £50,000 each.
Although the vast majority of our customers will be covered by the FSCS in line with the £50,000 maximum per person, certain customers will not be covered at all. For example, these include large companies, large partnerships, large mutual associations and local authorities. Further details regarding eligibility can be found on the FSCS website www.fscs.org.uk
Mortgage customers
Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
Further information about compensation scheme arrangements is available from the FSCS.
Disability Discrimination
Northern Rock pays particular attention to the care and needs of all its customers. We are aware of the important responsibilities created by the Disability Discrimination Act 1995 and we are taking all reasonable steps to ensure that the systems and technology we use is fully compliant. Accordingly, should any of our disabled customers find that they are precluded from making use of any service that we provide, then we will try to help them use the same, or a similar service, by an alternative method. For more information on accessing our site for disabled users please see our accessibility page.
Regulatory Supervision and Compliance
Northern Rock plc is authorised and regulated by the Financial Services Authority for deposit-taking; advising on and arranging mortgages and general insurance; and for introducing life assurance and investments. Northern Rock is entered in the FSA's Register and its FSA Register number is 106081. For more information visit www.fsa.gov.uk/register/home.do.
Complaints
Northern Rock plc operates an Internal Complaints Procedure. You can request a copy of the Guide to our Internal Complaint Procedure or alternatively, you can download a copy. This guide outlines our complaints handling procedures and the availability to customers of the Financial Ombudsman Service scheme, which provides for independent adjudication on any complaint which cannot be resolved through the Company's Internal Complaint Procedure. Their contact details are as follows:
The Financial Ombudsman Service (FOS)
South Quay Plaza
183 Marsh Wall
London E14 9SR
Helpline: 0845 080 1800
Switchboard: 020 7964 1000
Website: www.financial-ombudsman.org.uk
The Banking Code
Northern Rock plc subscribes to the Banking Code. This is a voluntary code followed by banks and building societies, which sets standards of good banking practice. Northern Rock is happy to supply full details of the Banking Code upon request.
Governing Law
Use of this site is subject to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use. By accessing this site you agree to submit to the exclusive jurisdiction of the UK courts over all claims or disputes arising in relation to, out of or in connection with this site and its use. If any provision of these terms and conditions of use shall be held to be unlawful, void or unenforceable for any reason then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.
General
Mortgages, loans and overdrafts are only available to persons over 18 and are subject to status, credit checks, conditions and applications meeting Northern Rock's lending policy.
To help us maintain our service standards, we may monitor or record your telephone calls to Northern Rock plc.
Northern Rock is committed to an Equal Opportunities policy in our lending criteria and the provision of finance to home buyers and owners.
Mortgages will be secured on your property and a suitable life policy may be required. Please see our Mortgage pages for further details on our lending policy.
You agree that you will not use this Internet site for any unlawful purpose or in breach of English law or any other law applicable to your use of the Internet. These prohibited uses include, but are not limited to:-
- civil and criminal offences of copyright and trademark infringement; or
- transmission or display or posting to a bulletin board of obscene, indecent or pornographic material; or
- commission of any criminal offence (including deliberate transmission of computer viruses) under the Computer Misuse Act 1990 or similar legislation in any country; or
- any transmission or display or posting to a bulletin board of any material which is of a defamatory, offensive, abusive, or menacing character or which causes annoyance, inconvenience or needless anxiety to any other person; or
- transmission or display or posting to a bulletin board of any material in breach of the Data Protection Act 1998 (or any replacing statute) dealing with data protection or similar legislation in any other country or of any material which is confidential or is a trade secret; or
- use of the Internet in any manner which is a violation or infringement of the rights of any individual, firm or company within the United Kingdom and elsewhere.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Insurance
Northern Rock plc complies with FSA regulations for the selling and administration of non-investment general insurance products. Household insurance policies are underwritten by AXA Insurance UK plc and payment protection policies are underwritten by Pinnacle Insurance plc.
Legal & General
Northern Rock has chosen to introduce its customers to Legal & General for the purpose of making introductions for advising on life assurance and investment products. Various companies in the Legal and General Group are authorised and regulated by the Financial Services Authority.
Loss of Funds
Northern Rock pledges that we will repay the total loss to your account/s in full if you suffer a loss of funds due to;
- A criminal act committed against your account/s via the Northern Rock site and Northern Rock's systems do not detect or prevent it.
- Any error made by Northern Rock staff or Northern Rock systems.
Northern Rock will not repay funds removed from accounts or compensate you for any financial loss, consequential or otherwise in the following circumstances;
- If you disclose to anyone your password/s or other information which provide access to your account/s.
- You fail to correctly end your session when exiting the site.
- You provide incorrect information when using the site, deliberately or by accident/error, including but not limited to, tampering with or altering any downloadable application form or printed information.
- You become aware of a breach or potential breach of security and you do not inform Northern Rock of it immediately.
- You do not fully comply with the terms and conditions of your account/s.
E-commerce Directive
In accordance with the E-commerce Directive Northern Rock is required to make the following information available about itself, its products and its service:
The product provider is
Northern Rock plc,
Northern Rock House,
Gosforth,
Newcastle upon Tyne
NE3 4PL
Northern Rock plc is regulated by the Financial Services Authority.
Northern Rock is entered in the FSA's Register and its FSA Register number is 106081, for more information visit www.fsa.gov.uk/register/home.do.