Lombard | Terms and conditions

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Terms & conditions

United Kingdom

This website is owned and maintained by Lombard North Central plc ("us", "we" or "Lombard"). 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.

Use of 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 Lombard or any of its subsidiaries to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Lombard for personal use and for informational purposes only.

 

2. Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.

 

3. Where any information on this website constitutes a financial promotion for the purposes of the Financial Services and Markets Act 2000, it is issued and approved by us for distribution and use in the UK only.

 

4. This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to information on this website. You will be referred on certain site pages to read "Legal information". This Important Information will contain important details and/or relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

 

Exclusion of Liability

 

5. 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.

 

6. 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.

 

7. While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

 

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 and we shall not be liable for any direct or indirect:

 

. economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings)

. loss of goodwill or reputation or

. loss or damage which was not reasonably foreseeable

 

suffered or incurred arising out of or in connection with your use of this website and/or these terms and conditions.

 

9. 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.

 

10. To provide increased value to users of this website, we may provide links to other websites or resources 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.

 

Personal Data

 

11. Your Information

 

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

 

1.2  For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”).

 

1.3  We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.lombard.co.uk/terms for Lombard North Central PLC enter LAFG6462-0318-P and for Lombard Technology Services Ltd enter LAFG6463-0318-P. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

 

1.4  In respect of any personal information relating to a third party that you provide to us, you must:

 

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

 

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

 

1.6 We will not share your information with anyone outside RBS except:

 

a) where we have your permission;

 

b) where required for your product or service;

 

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

 

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

 

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

 

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

 

g) with debt collection agencies;

 

h) with credit reference and fraud prevention agencies;

 

i)  with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

 

j)  where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

 

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

 

l)  where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

 

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

 

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

 

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

 

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Copyright

 

12. 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.

 

Trademarks

 

13. This website contains numerous trade marks belonging to Lombard and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trade marks. If you are in doubt as to whether an item is a trade mark of Lombard, its subsidiaries or The Royal Bank of Scotland Group plc, please contact us for clarification at the registered office address below.

 

Advice

 

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.

 

Regulatory Information

 

15. Lombard North Central PLC. Registered in England No.337004.
Registered Office: 280 Bishopsgate, London, EC2M 4RB.
Lombard North Central Plc is authorised and regulated by the Financial Conduct Authority for consumer credit activities.

 

16. References to Lombard Technology Services relate to Lombard Technology Services Limited. Registered in England: No 2039637.
Registered Office: 280 Bishopsgate, London, EC2M 4RB.

 

Changes to Website

 

17. The contents of this website, including these terms and conditions of use, are subject to change by us without notification and Lombard shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

 

Telephone Calls

 

18. Calls may be recorded.

 

Internet Communications

 

19. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, Lombard 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.

 

General Information

 

Enforceability

 

20. In the event any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

 

Governing Law

 

21. The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the English courts.

 

Vehicle Registration Mark Application

 

22. You shall only use the VRM Application for your own purposes. You shall not sell, deal, transfer or otherwise make available any of the VRM Reports to any third party for any purpose or use the same for the benefit of any third party and you shall not remove or alter any copyright or other proprietary notice on any VRM Reports.
VRM Reports are calculated by reference to data from third parties and market intelligence information which may be inaccurate, and VRM Reports may be affected by a change in circumstances. Accordingly, no warranties are given that the VRM Reports will be accurate, complete or fit for a particular purpose. All other implied warranties, terms, conditions and obligations are hereby excluded to the fullest extent permitted by law. You shall have no claim in relation to the VRM Application and VRM Reports against any third party provide to RBS.

 

Security may be required and product fees may apply.

Gibraltar

This web site is owned and maintained by Lombard Manx Leasing Limited trading as Lombard Gibraltar ("Lombard"). The use of this web site is subject to the following terms and conditions, which you should read carefully. By using this web site 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 web site.

Use of Website

 

1. The information, service and products on this web site or in any communication containing a link to this site are intended for use by residents of Gibraltar only, and are not aimed at or intended for use by residents of any other jurisdiction. Where any opinions are expressed on this website, they are provided for personal use and information purposes only.

 

2. This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

 

Exclusion of Liability

 

3. Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information, including information based upon statutes or other legislative or regulatory instruments, on this web site, we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties.

 

4. Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

 

5. Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

 

6. This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

 

Personal Data

 

7. Your Information

 

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

 

1.2  For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”).

 

1.3  We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.lombard.co.uk/terms for Lombard North Central PLC enter LAFG6462-0318-P and for Lombard Technology Services Ltd enter LAFG6463-0318-P. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

 

1.4  In respect of any personal information relating to a third party that you provide to us, you must:

 

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

 

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

 

1.6 We will not share your information with anyone outside RBS except:

 

a) where we have your permission;

 

b) where required for your product or service;

 

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

 

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

 

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

 

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

 

g) with debt collection agencies;

 

h) with credit reference and fraud prevention agencies;

 

i)  with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

 

j)  where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

 

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

 

l)  where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

 

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

 

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

 

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

 

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Copyright

 

8. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this web site without our prior consent is prohibited unless for personal use only.

 

Trademarks

 

9. This web site contains trademarks belonging to Lombard and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is a trademark of Lombard or The Royal Bank of Scotland Group, please contact us for clarification at the address below.

 

Advice

 

10. The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

 

Governing Laws

 

11. The terms and conditions of this web site are governed by the laws of Gibraltar and any dispute regarding this web site shall be subject to the exclusive jurisdiction of the Gibraltar Courts.

 

12. The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them.

 

Changes to Website

 

13. The contents of this web site, including these terms and conditions of use are subject to change by us without notification. Lombard shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

 

Telephone Calls

 

14. Calls may be recorded.

 

Internet Communications

 

15. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the RBS Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the RBS Group Dignity at Work and Information Security policies.

 

Legal Information

 

16. Lombard Manx Leasing Limited. Registered in Isle of Man No. 033864C. Registered Office: Ground Floor, Royal Bank House, 2 Victoria Street, Douglas, Isle of Man, IM99 1GP. Registered as a branch in Gibraltar with registration number 100527 and with place of business situated at 57 Line Wall Road, Gibraltar. Licensed under the Financial Services (Moneylending) Act of Gibraltar.

 

Security may be required and product fees may apply.

Guernsey

This web site is owned and maintained by Lombard Finance (CI) Limited ("Lombard"). The use of this web site is subject to the following terms and conditions, which you should read carefully. By using this web site 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 web site.

Use of Website

 

1. The information, service and products on this web site or in any communication containing a link to this site are intended for use by residents of Guernsey only, and are not aimed at or intended for use by residents of any other jurisdiction. Where any opinions are expressed on this website, they are provided for personal use and information purposes only.

 

2. This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

 

Exclusion of Liability

 

3. Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information, including information based upon statutes or other legislative or regulatory instruments, on this web site, we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties.

 

4. Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

 

5. Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

 

6. This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

 

Personal Data

 

7. Your Information

 

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

 

1.2  For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”).

 

1.3  We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.lombard.co.uk/terms for Lombard North Central PLC enter LAFG6462-0318-P and for Lombard Technology Services Ltd enter LAFG6463-0318-P. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

 

1.4  In respect of any personal information relating to a third party that you provide to us, you must:

 

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

 

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

 

1.6 We will not share your information with anyone outside RBS except:

 

a) where we have your permission;

 

b) where required for your product or service;

 

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

 

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

 

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

 

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

 

g) with debt collection agencies;

 

h) with credit reference and fraud prevention agencies;

 

i)  with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

 

j)  where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

 

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

 

l)  where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

 

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

 

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

 

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

 

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Copyright

 

8. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this web site without our prior consent is prohibited unless for personal use only.

 

Trademarks

 

9. This web site contains trademarks belonging to Lombard and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is a trademark of Lombard or The Royal Bank of Scotland Group, please contact us for clarification at the address below.

 

Advice

 

10. The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way

 

Governing Laws

 

11. The terms and conditions of this web site are governed by the laws of Guernsey and any dispute regarding this web site shall be subject to the exclusive jurisdiction of the Royal Court of Guernsey.

 

12. The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them.

 

Changes to Website

 

13. The contents of this web site, including these terms and conditions of use are subject to change by us without notification. Lombard shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

 

Telephone Calls

 

14. Calls may be recorded.

 

Internet Communications

 

15. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the RBS Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the RBS Group Dignity at Work and Information Security policies.

 

Legal Information

 

16. Lombard Finance (CI) Limited. Registered in Jersey No. 35313. Registered Office: 1 St Andrew's Place, Charing Cross, St Helier, Jersey, JE2 3RP. Guernsey branch business address: Royal Bank Place, 1 Glategny Esplanade, St Peter Port, Guernsey, GY1 6NF.

 

Security may be required and product fees may apply.

 

 

Isle of Man

This web site is owned and maintained by Lombard Manx Limited ("Lombard"). The use of this web site is subject to the following terms and conditions, which you should read carefully. By using this web site 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 web site.

Use of Website

 

1. The information, service and products on this web site or in any communication containing a link to this site are intended for use by residents of the Isle of Man only, and are not aimed at or intended for use by residents of any other jurisdiction. Where any opinions are expressed on this website, they are provided for personal use and information purposes only.

 

2. This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

 

Exclusion of Liability

 

3. Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information, including information based upon statutes or other legislative or regulatory instruments, on this web site, we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties.

 

4. Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

 

5. Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

 

6. This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

 

Personal Data

 

7. Your Information

 

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

 

1.2  For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”).

 

1.3  We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.lombard.co.uk/terms for Lombard North Central PLC enter LAFG6462-0318-P and for Lombard Technology Services Ltd enter LAFG6463-0318-P. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

 

1.4  In respect of any personal information relating to a third party that you provide to us, you must:

 

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

 

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

 

1.6 We will not share your information with anyone outside RBS except:

 

a) where we have your permission;

 

b) where required for your product or service;

 

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

 

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

 

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

 

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

 

g) with debt collection agencies;

 

h) with credit reference and fraud prevention agencies;

 

i)  with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

 

j)  where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

 

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

 

l)  where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

 

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

 

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

 

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

 

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Copyright

 

8. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this web site without our prior consent is prohibited unless for personal use only.

 

Trademarks

 

9. This web site contains trademarks belonging to Lombard and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is a trademark of Lombard or The Royal Bank of Scotland Group, please contact us for clarification at the address below.

 

Advice

 

10. The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

 

Governing Laws

 

11. The terms and conditions of this web site are governed by the laws of the Isle of Man and any dispute regarding this web site shall be subject to the exclusive jurisdiction of the Isle of Man Courts.

 

12. The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them.

 

Changes to Website

 

13. The contents of this web site, including these terms and conditions of use are subject to change by us without notification. Lombard shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

 

Telephone Calls

 

14. Calls may be recorded.

 

Internet Communications

 

15. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the RBS Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the RBS Group Dignity at Work and Information Security policies.

 

Legal Information

 

16. Lombard Manx Limited. Registered in the Isle of Man No. 075911C. Registered Office: Ground Floor, Royal Bank House, 2 Victoria Street, Douglas, Isle of Man, IM99 1GP.

 

Security may be required and product fees may apply.

 

 

Jersey

This web site is owned and maintained by Lombard Finance (CI) Limited ("Lombard"). The use of this web site is subject to the following terms and conditions, which you should read carefully. By using this web site 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 web site.

Use of Website

 

1. The information, service and products on this web site or in any communication containing a link to this site are intended for use by residents of the Isle of Man only, and are not aimed at or intended for use by residents of any other jurisdiction. Where any opinions are expressed on this website, they are provided for personal use and information purposes only.

 

2. This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

 

Exclusion of Liability

 

3. Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information, including information based upon statutes or other legislative or regulatory instruments, on this web site, we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties.

 

4. Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

 

5. Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

 

6. This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

 

Personal Data

 

7. Your Information

 

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

 

1.2  For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”).

 

1.3  We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.lombard.co.uk/terms for Lombard North Central PLC enter LAFG6462-0318-P and for Lombard Technology Services Ltd enter LAFG6463-0318-P. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

 

1.4  In respect of any personal information relating to a third party that you provide to us, you must:

 

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

 

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

 

1.6 We will not share your information with anyone outside RBS except:

 

a) where we have your permission;

 

b) where required for your product or service;

 

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

 

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

 

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

 

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

 

g) with debt collection agencies;

 

h) with credit reference and fraud prevention agencies;

 

i)  with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

 

j)  where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

 

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

 

l)  where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

 

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

 

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

 

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

 

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Copyright

 

8. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this web site without our prior consent is prohibited unless for personal use only.

 

Trademarks

 

9. This web site contains trademarks belonging to Lombard and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is a trademark of Lombard or The Royal Bank of Scotland Group, please contact us for clarification at the address below.

 

Advice

 

10. The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

 

Governing Laws

 

11. The terms and conditions of this web site are governed by the law of Jersey and any dispute regarding this web site shall be subject to the exclusive jurisdiction of the Royal Court of Jersey.

 

12. The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them.

 

Changes to Website

 

13. The contents of this web site, including these terms and conditions of use are subject to change by us without notification. Lombard shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

 

Telephone Calls

 

14. Calls may be recorded.

 

Internet Communications

 

15. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the RBS Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the RBS Group Dignity at Work and Information Security policies.

 

Legal Information

 

16. Lombard Finance (CI) Limited. Registered in Jersey No. 35313. Registered Office: 1 St Andrew's Place, Charing Cross, St Helier, Jersey, JE2 3RP.

 

Security may be required and product fees may apply.

 

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