Terms & Conditions
1. Information about us
www.fbnbank.co.uk is a website operated by FBN Bank (UK) Ltd, trading as FBN Bank UK. References to "we", "us" or "our" are references to FBN Bank (UK) Ltd. We are registered in England and Wales under company number 04459383 and have our registered office at 28 Finsbury Circus, London EC2M 7DT, which is also our main trading office. Our VAT number is 365 4902 38. We are authorised and regulated by the Financial Services Authority ("FSA") (FSA registration number 216772). You can view the FSA register at www.fsa.gov.uk/register.
2. Accessing our Website
2.1 Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the products or services we provide on our Website without notice. Whilst we make every effort to ensure that the Website is available at all times, given the nature of the internet, we cannot guarantee this will always be the case or that the Website will be fault or error-free. We will, therefore, not be liable if for any reason our Website is unavailable at any time or for any period.
2.2 From time to time, we may restrict access to some parts of our Website, or our entire Website, to users who have registered with us.
2.3 If you choose, or you 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 user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Website Terms and Conditions of Use.
2.4 You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Website Terms and Conditions of Use, and that they comply with them.
2.5 You may use our Website only for lawful purposes. You may not use our Website or its contents:
- 2.5.1 in any way that breaches any applicable local, national or international law or regulation or that is unlawful or fraudulent; or
- 2.5.2 to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
2.6 You also agree not to access without authority, interfere with, damage or disrupt:
- 2.6.1 any part of our Website;
- 2.6.2 any equipment or network on which our Website is stored; or
- 2.6.3 any software used in the provision of our Website.
3. Intellectual property rights
3.1 We are the owner or the licensee of all intellectual property rights in our Website and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
3.2 You may print off one copy, and may download extracts, of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website.
3.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
3.4 Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged.
3.5 You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.
3.6 If you print off, copy or download any part of our Website in breach of these Website Terms and Conditions of Use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
3.7 Our Website must not be framed on any other website, nor may you create a link to any part of our Website.
4. Reliance on information posted
Commentary and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents.
5. Our website changes regularly
We aim to update our Website regularly, and may change the content at any time. If the need arises, we may suspend access to our Website, or close it indefinitely. Any of the material on our Website may be out of date at any given time, and we are under no obligation to update such material.
6. Our liability
6.1 The fact that our Website contains information, products or services does not necessarily mean that they are suitable for your purposes. You are advised to take independent advice and it is your responsibility to ensure that such information, products or services are suitable for you. Some of those products and/or services may not be available or may have changed.
6.2 The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
- 6.2.1 all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity;
- 6.2.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- 188.8.131.52 loss of income or revenue;
- 184.108.40.206 loss of business;
- 220.127.116.11 loss of profits or contracts;
- 18.104.22.168 loss of anticipated savings;
- 22.214.171.124 loss of data;
- 126.96.36.199 loss of goodwill;
- 188.8.131.52 wasted management or office time; and
- 184.108.40.206 for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
6.3 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation nor any other liability which cannot be excluded or limited under applicable law.
6.4 We do not exclude our duties and liabilities to you under the Financial Services and Markets Act 2000 or the rules and regulations for the conduct of business under this Act.
7. Information about you and your visits to our Website
8. Transactions concluded through our Website
All our products and services, whether provided through our Website or as a result of visits made by you, are subject to our General Banking Terms and Conditions.
9. Viruses, hacking and other offences
9.1 You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.
9.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.
9.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.
10. Third party links
Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links are not an endorsement by us of any products or services in such websites. You use such links entirely at your own risk, as we have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
If you breach these Website Terms and Conditions of Use and we take no action we will still be entitled to use our rights and remedies in other situations where you are in breach.
We may revise these Website Terms and Conditions of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these Website Terms and Conditions of Use may also be superseded by provisions or notices published elsewhere on our Website.
13. Jurisdiction and applicable law
13.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these Website Terms and Conditions of Use in your country of residence or any other relevant country. These Website Terms and Conditions of Use are governed by English law.
13.2 This Website complies with the appropriate UK legislation and it is designed for use in the UK. The Website is not intended to be used in any jurisdiction or country where the availability of the Website is contrary to local law. Use of our Website outside the UK is at your own risk and it is your responsibility to comply with the applicable local law. Products and services on this Website are only available to UK customers.
14. Customer services
If you want more information about anything on this Website, please contact us at our main trading address mentioned above or by email at firstname.lastname@example.org or by telephone +44 (0) 20 7920 4920 during office hours.
Thank you for visiting our Website.