This website is owned and maintained by The Royal Bank of Scotland plc (“us”, “we” or “RBS”), which is part of the NatWest Group (“the NatWest Group”). The use of this website is subject to the following terms and conditions which you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.
1. The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of the NatWest Group to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided either by the NatWest Group or third party contributors for personal use and for information purposes only.
2. This website is intended for use by residents of the UK only, and is not aimed at or intended for use by residents of any other jurisdiction.
3. These 'Exclusion of liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of liability' clauses shall attempt to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.
4. Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.
5. The statements and opinions expressed in any of the articles or any other content on this website (including those contained in any links on this website) are solely the views of the authors of such articles or content and do not necessarily represent the views of RBS or any other member of the NatWest Group.
6. The articles, information and any other content on this website (including any content contained in links on the website) are for the use of intended recipients only and such articles, information and content may not be reproduced, redistributed, or copied in whole or in part for any purpose without RBS's prior written consent. No representation, warranty, or assurance of any kind, express or implied, is made as to the accuracy or completeness of the information contained in any article or other content on this website (including any content or information contained in links on the website) and no member of the NatWest Group accepts any obligation to any recipient to update or correct any information contained on this website (including any information contained in any link on this website). The articles and any other content on this website (including any articles or content contained in any link on this website) is published for information purposes only and does not constitute an analysis of all potentially material issues. Views expressed on this website (and within any link on this website) are not intended to be and should not be viewed as advice or as a recommendation. You should take independent advice in respect of issues that are of concern to you.
7. None of the information on this website (or in any link on this website) constitutes an offer to buy or sell, or a solicitation of an offer to buy or sell any investment, and does not constitute an offer to provide any products or services that are capable of acceptance to form a contract. No member of the NatWest Group accepts any liability whatsoever for any direct, indirect or consequential losses (in contract, tort or otherwise) arising in any way from the information contained on this website including any information contained in links on this website.
8. We accept no liability however caused, to the maximum extent permitted by applicable law, arising out of the use of or access to this website which includes without limitation any errors or omissions contained in this website or if the website is unavailable.
9. We shall not be liable for any direct or indirect:
10. Access to and use of this website is at your own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
11. To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of the NatWest Group) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
12. Copyright © The Royal Bank of Scotland plc 2020. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.
13. This website contains numerous trade marks belonging to RBS and other companies in the NatWest Group. These trade marks include, but are not limited to, The Royal Bank of Scotland logo, The Royal Bank of Scotland and RBS. If you are in doubt as to whether an item is a trade mark of RBS or a member of the NatWest Group, please contact us for clarification at the registered office address below.
14. The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified financial advisor before making any investment decision.
15. The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally RBS shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.
16. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the NatWest Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use of content that is unauthorised or unlawful or material that may cause offence in any way.
17. The Royal Bank of Scotland plc. Registered in Scotland (Registered Number SC083026). Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. RBS is entered on the Financial Services Register and its Register number is 114724. The Financial Services Register can be accessed at www.fca.org.uk/register . RBS’s registered VAT number is GB 243852752. National Westminster Bank plc is authorised to act as an agent for The Royal Bank of Scotland plc.
18. RBS adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Find out more at www.lendingstandardsboard.org.uk .
19. If you are not satisfied with any RBS products or services we have a complaint handling procedure that you can use to resolve such matters. RBS is covered by The Financial Ombudsman Service. If you are still not satisfied after following the RBS’s procedures, you can ask the Ombudsman to review the complaint. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning RBS. Alternatively you can write to: Financial Ombudsman Service, Exchange Tower, London E14 9SR or telephone 020 7964 1000.
20. The information, and any opinion contained in this website does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.
21. In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.
22. The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the courts of Scotland.