Terms of use

Access to and use of the http://www.wyelandsbank.co.uk website ("this website") and Wyelands Savings, delivered through this Online Portal, are provided by us subject to these Terms of Use.  By using this website and the portal you are agreeing to these Terms of Use.  “We” are Wyelands Bank Plc. (“us”, “our” or “the Bank”). Wyelands Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Wyelands Bank Plc is on the Financial Services Register with firm reference number 139209. Wyelands Bank Plc is a company registered in England and Wales No 01536428. VAT number 254 2278 09.

Governing Law

The information on this website has been prepared in accordance to the laws of England. By using this website you submit to the jurisdiction of the English and Welsh courts. We make no representation that any material contained on this website is appropriate for any other jurisdiction or compliant with any laws or regulation thereof. Certain information on this website is directed at people within the United Kingdom only and in this regard there is no offer to sell any products or do business with anyone located outside the United Kingdom.

Information

The information contained or displayed on this site is believed to be reliable when displayed. Whilst reasonable care has been taken to ensure that the information and functions contained or displayed on this site are complete and correct, the Bank does not warrant or represent, or give any guarantee, condition or other term (whether express or implied by statute, common law or otherwise) that such information or functions is or are free from errors or omissions or that the information contained or displayed on this website is suitable for your intended use.

Availability

The Bank makes no warranty that your access to this website will be uninterrupted, timely or error-free.  Due to the nature of the Internet, this cannot be guaranteed. In addition, the Bank may occasionally need to carry out repairs, maintenance or introduce new facilities and functions.

We do not warrant that this website will be compatible with all hardware, equipment, operating systems, devices and software which you may use.  Although we may put in place security measures for your protection, we shall not be liable for damage to, or viruses or other code that may affect, any computer equipment, mobile device, software, data or other property as a result of your access to or use of this website or your obtaining any material from, or as a result of using, this website.  We shall also not be liable for the actions of third parties in breaching any security measures. This website may not be usable on mobile devices and operating systems applicable to mobile devices because it has not been designed for such use.

We may change or update this website, including these Terms of Use, and anything described in it without notice to you. 

The contents of this website are intended for convenience only.  Nothing on this website shall constitute advice specific to your circumstances or a recommendation.  We do not suggest that any product or service mentioned on this website is specifically available to you.

Trade Marks and Copyright

“Wyelands” and “Wyelands Bank” name and logos and all other brands, names, logos, marks and slogans on this website are the trademarks or service marks of us or our licensors.

Unless otherwise stated, the copyright, database rights and any other rights in all information, data, text, artwork, pictures, photographs, images, graphics and materials (together "Materials") on this website and the design, layout, look and appearance of this website are owned by us or licensed to us by our suppliers.  You are permitted to use and download such Materials or extracts from this website to a local hard disk and print copies for your own internal, personal, non-commercial, private use only.

Except as we expressly permit, you must not in any way modify any Materials on this website. Any rights not expressly granted in these terms or otherwise by us are reserved.

Liability and Disclaimer

We disclaim all liability for:

  • any incompatibility of this website with any of your equipment, software, hardware or telecommunications links;
  • any technical problems including errors or interruptions of this website; and
  • Any inadequacy of this website to meet your requirements.

This website is provided on an "as is" and "as available" basis and no warranty, guarantee, representation, condition or other term (whether express or implied by statute, common law or otherwise) is given that it is complete, accurate or up-to-date and we do not accept any liability for any errors or omissions.

We do not exclude or limit our liability for:

  • Death or personal injury caused by our negligence; or
  • Our fraudulent misrepresentation, misrepresentation as to a fundamental matter, or to any other representations that it would be unreasonable in law to exclude; or
  • Our breach of the obligations implied by Section 12 Sale of Goods Act 1979 or Section 2 Supply of Goods and Services Act 1982; or
  • Any other liability which cannot be excluded or limited by applicable law.

Subject to the rest of these Terms of Use and any terms and conditions applicable to our products and services, and to the extent permitted by law or otherwise, in all cases other than in respect of the products or services we supply, we shall not be liable for any:

  • Indirect or consequential losses, damages, costs or expenses;
  • Loss of actual or anticipated profits;
  • Loss of use of money;
  • Loss of revenue;
  • Loss of goodwill;
  • Loss of reputation;
  • Loss of business or contracts; loss of operation time;
  • Loss of opportunity; and
  • Loss of or damage to data

Suffered by any user of this website whether or not such losses were reasonably foreseeable or we had been advised of the possibility of you incurring such losses, arising from the use of or inability to use this website, or any material contained in it or accessible from it, or from any action or decision taken as a result of using this website or any such material. This does not affect any liability we have and/or any obligations we have to our customers under any regulations issued by our regulators from time to time.

Nothing on this website shall constitute financial or other professional advice in any way.  If any advice or guidance is required in relation to our products or services, please contact us as directed on this website. 

Third Party Sites

This website may from time to time contain links to and from third party sites. We have no control over and accept no responsibility for the content of such linked sites and exclude all warranties and all liability for any loss or damage you incur as a result of your use of such sites.  You must not frame any of this website onto your own or another person's website and you cannot provide a link from your website to the home page of this website without our permission. If we find any such link, we reserve the right to ask you to remove it immediately or we may remove it immediately.

Telephone calls

Telephone conversations may be recorded for training, monitoring and regulatory purposes and to improve our customer service standards.

Disability Legislation

Wyelands Bank endeavours to make reasonable, common sense adjustments (in compliance with applicable law) to provide access to our services for customers with special needs.

Customer Security

Wyelands Bank is committed to protecting your personal details and our services have been designed with your security in mind. However, you are reminded that the Internet is an open environment and, therefore, as a result of third party activity beyond our control, we cannot guarantee that your information will be 100% secure while it is uploaded on this website. We recommend that you install, use and maintain up-to-date anti-virus software and firewalls to protect yourself and your equipment.

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We want your experience with Wyelands Bank to be as safe as possible and the security of your data is of the upmost importance to us. However, internal measures we have in place alone cannot protect you personally from the potential of cyber-attacks external to our systems. 

There are many things you, as an electronic user, can do to protect yourself from these attacks just by being aware of the potential threats.

We hope the information provided on this page will give you an insight to what can happen and how to protect yourself. 

Electronic communications

Within the normal course of our business with you Wyelands Bank may call or email you (depending on your preferences) to confirm details of a transaction. If we contact you by email, we will never ask you to send personal or sensitive information online.

If you receive any communication from Wyelands Bank that you are suspicious of, always check directly with us to confirm the validity of it. Our contact details are available on the Wyelands website.

 

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Phishing Scams

The term ‘Phishing’ relates to an action where fraudsters send you electronic emails or texts which look like they come from an official source, often from a payment institution (banks, PayPal etc.), asking for personal and security information. They are looking for you to divulge enough information for them to use to either take payments directly from your accounts or use information you give them to pay for items online. Software can be downloaded from emails, where the user is unaware of the content, which can infect your PC and can send sensitive data to the fraudsters (Malware).

Text messages can also be used to fool you into calling premium rate numbers charging you high call rates for which they receive a percentage of those call costs.

For further guidance, please see the Bank’s 'Safe Banking' website section.

Keep yourself secure

  • Always be aware of opening emails and attachments from sources that you are unsure about or look to good to be true.
  • Protect your data with up-to-date anti-virus and internet security software.
  • Back up sensitive files on your computer on a separate source in case you need to restore this information later.
  • Keep your information private. Do not share logon details with others or with anyone asking for it online
  • The bank will provide you with passwords and key words; keep them safe.
  • Keep any statements, which the Bank provides you with, safe. If you do not wish to keep them, the best method of disposal is shredding.

Online safety – how to protect yourself and family

For your personal online security we refer you to the guidance provided by Get Online Safe:

https://www.getsafeonline.org/

Emails

Emails are an insecure method of transferring information across the Internet. You should limit the information you send by email and not detail any confidential personal data in your emails to us.

Keep your information safe

We recommend the following:

  • Always keep your personal data protected.
  • Lock your PC when you are not using it.
  • For optimum security you should use the latest versions of Microsoft Internet Explorer, Firefox, or Safari.

Privacy Policy

Your privacy is very important to us. We have put measures in place to ensure that any personal information or data that we obtain from you is processed in accordance with the accepted principles of good information handling.

By using this website you are agreeing to the terms of this Privacy Policy.  If you have any queries regarding this policy or complaints about our use of your information, please contact us as directed on this website.  

Data Protection

Wyelands Bank Plc complies with the Data Protection Act 1998 and treats all personal information as private and confidential. We shall only use your name and other information relating to you that we collect on this website or when you want to apply for products or services from us in the manner set out in these Terms of Use and the terms and conditions applicable to the product or service you have applied for.

We will ensure that your information is accurate and up to date, that we do not keep it for longer than necessary and that appropriate measures are in place to protect the information from any unauthorised use, except where disclosure is made at your request or with your consent or where we are required by law to disclose it.

Subject Access Requests

The Data Protection Act gives you the right to receive details of the information Wyelands Bank Plc holds about you and to have any inaccurate details amended. Any request for your data must be in writing accompanied by the appropriate fee (currently £10) and addressed to The Data Protection Officer.

Using your information

If you visit our website, we may collect information when you register with us or apply for a product or a service online such as your name, your business name, e-mail address, postal address, telephone/mobile number, financial details, payment card details and bank account details.  Once registered you are no longer anonymous to us. We need this information in order to verify your identity, decide whether to allow you to use this website, whether to go ahead with your application, to provide our products and services, to collect payment from you, to detect any fraud or website abuses, to send you information relevant to your account and in case we have any queries.

We may also collect and store some of the above information and the nature of your enquiry when you make an enquiry.  We use that information for responding to your enquiry. If you contact us we may keep a record of that correspondence and if another registered user contacts us about you, your activities on this website or your postings on this website, we may collect such information in a file specific to you.

Once you become our customer, we will process, transfer and disclose your information to provide you with products and services, deal with your transactions, for the internal operational requirements for us and our group companies (including, for example, product development and IT systems testing), to manage our relationship with you (including marketing if you have agreed to it) and to carry out surveys, business analysis and market research. We may transfer such data to companies within our group, professional advisers, third party service and administration companies and any entity providing funding to us or members of our group of companies either now or in the future and their professional representatives. Such data may include “sensitive personal data”, as defined by the Data Protection Act 1998.

Once you become our customer, we reserve the right to pass data about you or your account to third parties for administrative purposes, fraud prevention, terrorism prevention, money laundering, debt tracing, fighting crime or where we are required to do so by law. We may transfer our databases containing your personal information if we sell our business or part of it. In such circumstances, we will notify you of any change in ownership.

We may also disclose your information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating these Terms of Use or may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users, or anyone else that could be harmed by such activities. We may disclose your information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services offering. 

International Transfers

We will not send your Personal Data information outside of the European Economic Area (EEA).

Third party links

This website may contain advertising of third parties and links to other sites or frames of other sites.  Please be aware that we are not responsible for the privacy practices or content of those third parties or other sites, nor for any third party to whom we transfer your data in accordance with our privacy policy.

IP addresses

We collect IP addresses for system administration and to report aggregate information to our advertisers (if any). 

Other than as set out in these Terms of Use or any applicable product terms and conditions, we shall NOT sell or disclose your personal data to third parties without obtaining your prior consent unless this is necessary for the purposes set out in these Terms of Use or unless we are required to do so by law.

Cookie Policy

A cookie is a small file that is put on your computer. This file identifies specific information about your visits to the site. Cookies can only be read and therefore used by our web servers.

Our cookies do not save or store any personal information as such; they take the form of a unique numerical identifier that enables a computer, but not an individual, to be recognised. Cookies do not detect and cannot access any information you may have on your computer.

Persistent cookies                                                                                         

A persistent cookie remembers your computer and, by doing so, allows us to identify specific information about your visits to the site. We use Google Analytics to assess your experience on our website by storing a non-intrusive persistent cookie on your browser. This tool gathers anonymous data, which we use to continually improve our online services and information.

From time to time we also use other third party behavioural advertising and remarketing cookies - we can provide information on these if required.

You may set up your browser to reject these cookies - consult the 'Help' menu of your browser for details. If you block the use of cookies, you may not be able to use some of the features on our site.

Session cookies                                                                                             

Our system also uses what are known as 'session cookies' for the transactional areas of our website. This type of cookie does not save or store, but merely accesses and uses some of the personal information you have previously given us to remember log-in details and facilitate your transactions with us. 'Session cookies' are deleted once you log out from the transactional area you entered.

If you do opt out in this way, you will be able to browse and make use of our website anonymously. However, you may not be able to undertake any transactions with us.

How to enable and disable cookies

Cookies help you get the most out of our website. However, you may set up your browser to disallow them. Please remember, if you do delete all your cookies, some features of our websites, such as remembering your login details, will not work and your experience on our websites may be affected. For your convenience, we provide links to the cookie management pages for the most popular web browsers:

More information

More information on how businesses use cookies and how to remove cookies is available on the following third party websites: www.allaboutcookies.org and www.allaboutcookies.org/manage-cookies/index.html.