Please ensure that you read this information with care before using this site as it specifies the terms and conditions ("Terms") which govern your use of and access to the site. We would recommend that you read this information each time you visit the site. By using and accessing any part of this site, you shall be deemed to have accepted these Terms in full, regardless of whether you chose to register with Northern Rock plc as a customer or not. If you do not accept these Terms, you should not use this website.
This page was last updated 28/07/2011.
This website is owned by: Northern Rock plc ("Northern Rock", "we", "our", "us" or "the bank").
The following provisions apply to the users of this site:
Northern Rock is a bank registered in the UK and the products on this site are only available in the UK.
This site complies with all appropriate UK legislation and although accessible by others, is to be used only by persons who access it from within the UK. The services and information appearing on the pages of this site are solely available to, and intended for use by, individuals resident in the UK Northern Rock makes no representations that information on this site is appropriate or available for use in any 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 may contain links to other Northern Rock sites, including Northern Rock Ireland, and Northern Rock Guernsey (which accepts applications by persons other than UK residents). These Terms do not apply to other Northern Rock sites, therefore please read the terms and conditions of those 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 Federal Deposit Insurance Corporation.
The content of this site is provided for general information purposes only and does not constitute financial, investment, legal, tax or other advice. Neither the information nor opinions expressed in this site constitute an offer to provide any product or service. These Terms are subject to change and update by Northern Rock from time to time without notification, with the exception of those areas regulated by the Financial Services Authority (FSA) and Lending Code (see Lending Code below). Your continued access to, and/or use of, this site will constitute your acceptance of such changes. You should periodically revisit this page and these Terms and relevant pages on this site to review the current position as it is binding on you.
If you require more information about anything on this site, please contact one of our branches or one of our customer service advisors (see the "Contact Us" section of this site).
You agree that you will not use this site for any unlawful purpose or in breach of English law or any other law applicable to your use of the Internet.
The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the site without our prior permission. However, you may print out part or all of the site for your own personal and non-commercial use.
While Northern Rock has taken reasonable care to ensure that the information on this site is accurate, we give no warranties, representations or undertakings (express or implied) as to the accuracy and completeness of the material on the site. Opinions and any other contents at the site are provided by us for personal use and information purposes only and are subject to change without notice.
Northern Rock is not responsible in any event including (without limitation) negligence for any losses of any kind, injury or damage, including (without limitation) direct or indirect, incidental, special or consequential damages, expenses or losses arising out of, or in connection with your use or inability to use this site, or in connection with any error, omission, defect, computer virus or system failure, or loss of any profit, goodwill or reputation, even if expressly advised of the possibility of such loss or damages, arising out of or in connection with the access or use of this site or linking to other sites from this site.
We do not exclude our duties or liabilities under the Financial Services and Markets Act 2000 or for any other liability which would cannot be excluded or limited under applicable law.
We reserve the right to modify, suspend or discontinue, temporarily or permanently, the site or any part of it, without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.
This site may from time to time refer to third party products and services. We do not warrant, and are not responsible for, the quality or availability of such products and services. We are not responsible for any direct of indirect loss you suffer in connection with the products or services of third parties which are featured on or linked to our site.
This site may provide links which lead to the websites of third parties, such links are not an endorsement by us of any products or services of such websites. You use such links entirely at your own risk. Northern Rock does not control these third party websites and does not accept any responsibility for the content, availability or operation of such sites. Northern Rock has not verified the truth or accuracy of such websites.
Any claim relating to any third party product, service or website must be made against the third party provider.
You or any third party are not permitted to link any other website to this site without Northern Rock's prior written consent.
With effect from 31 December 2010 the Financial Services Compensation Scheme limit increased from £50,000 per person, to £85,000 per person. Full details are shown below.
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account, and not to each separate account.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.fscs.org.uk or call 0800 678 1100 or 0207 741 4100.
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 503963. For more information visit www.fsa.gov.uk/register/home.do.
Northern Rock plc operates an Internal Complaints Procedure. You can request a copy of the Guide to our Internal Complaints Procedure. 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 our Internal Complaints 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
Northern Rock plc subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards.
Use of this site is subject to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of these Terms. 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 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.
Northern Rock complies with the Electronic Commerce Directive. The following applies to all transactions that are carried out with Northern Rock electronically.
| Company name: | Northern Rock plc |
|---|---|
| Company Registration Number: | 6952311 (registered in England and Wales) |
| Registered office: | Northern Rock House, Gosforth, Newcastle upon Tyne, NE3 4PL |
| VAT Registration Number: | 665 5181 19 |
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
Contact email: customersupport@northernrock.co.uk
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 503963, for more information visit www.fsa.gov.uk/register/home.do.