Content section starts

Terms & conditions

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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 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. By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our privacy policy.

 

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.

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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 web site

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. We may use and share your information with other members of The Royal Bank of Scotland Group (“RBS Group”) to help us and them:

 

  • assess financial and insurance risks;
  • recover debt;
  • develop customer relationships, services and systems;
  • prevent and detect crime

Your information includes information about your transactions.

 

We do not disclose your information to anyone outside the RBS Group except:

 

  • where we have your permission; or
  • where we are required or permitted to do so by law; or
  • to other companies who provide a service to us or you
  • where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you.

 

If you do not object to the change within 60 days, you consent to that change.

 

If you would like a copy of the information we hold about you, please write to: Data Protection Manager, Lombard Manx Leasing Limited, Ground Floor, Royal Bank House, 2 Victoria Street, Douglas, Isle of Man, IM99 1GP. A fee may be payable.

 

Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the RBS Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who will make this information available to other organisations so that they can make decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

 

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

 

  • checking applications for, and managing credit of other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

 

We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of the information held by them. Please contact your relationship manager. The agencies may charge a fee.

 

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 web site

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.

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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 web site

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. We may use and share your information with other members of The Royal Bank of Scotland Group ("RBS Group") to help us and them:

 

  • assess financial and insurance risks;
  • recover debt;
  • develop customer relationships, services and systems;
  • prevent and detect crime

Your information includes information about your transactions.

 

We do not disclose your information to anyone outside the RBS Group except:

 

  • where we have your permission; or
  • where we are required or permitted to do so by law; or
  • to other companies who provide a service to us or you
  • where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you.

If you do not object to the change within 60 days, you consent to that change.

If you would like a copy of the information we hold about you, please write to: Data Protection Manager, Lombard Finance (CI) Limited, 1 St Andrew’s Place, Charing Cross, St Helier, Jersey, JE2 3RP. A fee may be payable.

 

Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the RBS Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who will make this information available to other organisations so that they can make decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

 

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

 

  • checking applications for, and managing credit of other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

 

We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of the information held by them. Please contact your relationship manager. The agencies may charge a fee.

 

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 web site

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.  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.

isle-of-man-down

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 web site

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

We may use and share your information with other members of The Royal Bank of Scotland Group (“RBS Group”) to help us and them:

 

  • assess financial and insurance risks;
  • recover debt;
  • develop customer relationships, services and systems;
  • prevent and detect crime


Your information includes information about your transactions.

 

We do not disclose your information to anyone outside the RBS Group except:

 

  • where we have your permission; or
  • where we are required or permitted to do so by law; or
  • to other companies who provide a service to us or you
  • where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you.

 

If you do not object to the change within 60 days, you consent to that change.

 

If you would like a copy of the information we hold about you, please write to: Data Protection Manager, Lombard Manx Limited, Ground Floor, Royal Bank House, 2 Victoria Street, Douglas, Isle of Man, IM99 1GP. A fee may be payable.

 

 

Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the RBS Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who will make this information available to other organisations so that they can make decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

 

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

 

  • checking applications for, and managing credit of other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

 

We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of the information held by them. Please contact your relationship manager. The agencies may charge a fee.

 

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 web site

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.

jersey-down

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 web site

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 Jersey 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

We may use and share your information with other members of The Royal Bank of Scotland Group (“RBS Group”) to help us and them:

 

  • assess financial and insurance risks;
  • recover debt;
  • develop customer relationships, services and systems;
  • prevent and detect crime

Your information includes information about your transactions.

 

We do not disclose your information to anyone outside the RBS Group except:

 

  • where we have your permission; or
  • where we are required or permitted to do so by law; or
  • to other companies who provide a service to us or you
  • where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you.

 

If you do not object to the change within 60 days, you consent to that change.

 

If you would like a copy of the information we hold about you, please write to: Data Protection Manager, Lombard Finance (CI) Limited, 1 St Andrew’s Place, Charing Cross, St Helier, Jersey, JE2 3RP. A fee may be payable.

 

 

Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the RBS Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who will make this information available to other organisations so that they can make decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

 

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

 

  • checking applications for, and managing credit of other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

 

We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of the information held by them. Please contact your relationship manager. The agencies may charge a fee.

 

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 web site

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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