Legal Information

This is the internet website (the "Website") of Bradford & Bingley International Limited ("Bradford & Bingley International" or "we" and references to "us" and "our" shall be construed accordingly and such expression shall include our successors and assigns). You may only use this Website as we permit and subject to the following terms and conditions, which will form a legally binding contract between you ("you" and references to "you" and "your" shall be construed accordingly) and Bradford & Bingley International. Bradford & Bingley International reserves the right to modify these terms and conditions from time to time and the posting of such changes shall constitute notice to you thereof. Please review these terms and conditions from time to time so that you will be appraised of any changes. Your continued use of this Website after the posting of such terms shall constitute acceptance by you thereof. This agreement replaces all terms and conditions previously applicable to the provision of this Website.

1. Website general conditions of use
1.1 You may only use this Website as we permit and subject to you being entitled to access and use it under the laws of the country in which you are located when you make access.
1.2 Customers who access this Website from around the world via the internet should be aware that applications for products or services detailed on the Website may not be accepted from certain jurisdictions. Where a prospective application is linked to certain jurisdictions or residency of the customer, Bradford & Bingley International may decline the business due to legal, regulatory or other reasons. In any event, all applications are subject to full and satisfactory completion and acceptance. It is the responsibility of all prospective customers and their advisers to inform themselves of all applicable laws and regulations of the relevant jurisdiction(s) of residence, citizenship and domicile.
1.3 Interest income on accounts with Bradford & Bingley International can be paid without the deduction of tax, but may be liable to retention tax if resident in the EU, tax in your country of residence or domicile or if it is transferred to another country. Your tax position will depend on your personal circumstances and you may wish to seek guidance from your tax adviser. Please note that tax legislation and practice may change.
1.4 This Website and any advertisement contained within it does not constitute an invitation or recommendation to buy or an offer or solicitation to sell or make deposits or provide any other products or services in any jurisdiction to any person to whom it is unlawful to make such an invitation, recommendation, offer or solicitation.
1.5 It is your responsibility to ensure that any product or service detailed on this Website is suitable for your needs.
1.6 The information contained within this Website does not constitute investment advice on the merits or suitability of our products or services detailed on this Website or otherwise and no information contained within this Website should be construed as such.
1.7 Apart from the instructions and materials provided concerning the use of our products and services, and information covering rates of interest which currently apply, Bradford & Bingley International makes no warranty and (to the extent permitted by applicable law) disclaims all liability for any data, information or advice you obtain from this Website, including any consequence of acting upon such data, information or advice.
1.8 Bradford & Bingley International shall not be liable to you for any damage you suffer arising from any errors in, or omissions from, the information contained in this Website. All products and services referred to on this Website are subject to change without notice.
1.9 Whilst Bradford & Bingley International takes all reasonable precautions to prevent computer viruses and other malicious programs on this Website, no liability is accepted for them.
1.10 Information transmitted via this Website will pass over public telecommunications networks. Bradford & Bingley International makes no representation or warranty that the operation of this Website will be uninterrupted or error free and disclaims all liability in respect thereof.
1.11 The information in these pages may be updated from time to time and may at times be out of date. Bradford & Bingley International accepts no responsibility for keeping the information contained on these pages up to date and shall have no liability for any item being out of date.

2. Third Party Products, Services and Websites
2.1 The Website may feature the products and services of, and may contain materials produced by, third parties. The inclusion of such products, services and materials and any statements made about them does not constitute advice that they are available to or suitable for you. You must ensure that any third party product or service is suitable for your specific needs.
2.2 The Website may, from time to time, refer to third party products and services. We do not warrant, and are not responsible for, the quality or availability of such products and services.
2.3 The Website may contain various links to third party websites over which we have no control. Such links are provided for convenience only and are accessed at your own risk.
2.4 We are not responsible for the content of products and services offered by, or any other matters (including, but not limited to, the privacy of your information) relating to, any linked third party website. Any claim relating to any third party product or service must be made to the provider of the third party product or service.
2.5 Any dealings by you with any third party on or through this Website are between you and that third party and we are not responsible for any losses or damages that may arise from any such dealings.
2.6 No third party website may in any way be linked to this Website without our prior written request.

3. Copyright and Trade Marks
3.1 This Website and the copyright in the content of and materials featured on this Website are owned by or licensed to Bradford & Bingley International.
3.2 Bradford & Bingley International and certain other names, words, images or logos identifying this Website and the products and services featured in this Website are the property and trademarks of the Group. Certain other names, words, images or logos may constitute trade names or unregistered trademarks of the Group.
3.3 The names and logos of third parties mentioned in this Website may be the property and trademarks of those third parties and are used by the Group with the permission of such organisations.
3.4 You may view, print, download or store temporarily extracts from this Website for your own personal reference or for the purpose of applying to access or use the products and services featured on this Website. No other use (including, without limitation, the alteration, deletion, utilisation or extraction) of the content and materials featured on this Website is permitted without our written permission. Otherwise than as provided, this Website cannot, whether in whole or as to any part, be copied, reproduced, distributed or transmitted in any medium (including, without limitation, by the internet) without our written permission.

4. Data Protection and Privacy
4.1 Bradford & Bingley International is a data controller within the meaning of the Isle of Man Data Protection Act 2002 and has given notice to the Isle of Man Data Protection Supervisor thereunder.
4.2 Information you supply to us about yourself through this Website or otherwise may be held on computer and used for administration, research, analysis and keeping you informed of financial and related products or services.
4.3 Your information may also be used to send you details of new products or services provided by the Group. We may keep your information for a reasonable period to contact you about our services. You may opt not to receive information about new products or services by ticking the box on our forms or by writing to us at: Bradford & Bingley International Limited, 30 Ridgeway Street, Douglas, Isle of Man, IM1 1TA British Isles
4.4 Information you supply to us about yourself through the website or otherwise may be disclosed to the appropriate authority in the event of a suspicion of money laundering, or will be disclosed as required by a ruling by a Manx Court of law.
4.5 In the event that you are concerned about the personal data that Bradford & Bingley International holds about you, you have the right to request a copy of that data and to have it corrected if it is inaccurate. You may write to us at the above address marking the letter for the attention of the Risk & Compliance Manager and he/she will contact you with the information on how to request a copy of your personal data. A fee may be payable.
4.6 We endeavour to take all reasonable steps to protect your information but cannot guarantee the security of any information you disclose online. You hereby accept the inherent security implications of disclosing your information on-line over the internet and will not hold us responsible for any breach of security.
4.7 When you e-mail us, that e-mail will be passed over the internet and will be processed by computer servers which are outside the control of Bradford & Bingley International. We therefore cannot guarantee the privacy of any e-mail that you send to us. We advise that you do not send us account information or information of a sensitive nature via email.
4.8 To enable us to monitor and improve the site, we may gather certain information about you when you use it, including details of your operating system, browser version, domain name and IP address, and the details of any website from which you were directed.
4.9 We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain personal information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. The only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. Bradford & Bingley International uses cookies to maintain user session information to make this Website easier to use. You can refuse cookies by turning them off in your browser. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie.

5. Indemnity
You irrevocably and unconditionally agree forthwith on demand to indemnify Bradford & Bingley International and its officers, agents and employees from and against any and all losses, damages and costs suffered or incurred by Bradford & Bingley International or any such person of whatsoever nature arising out of or in connection with your use, provision or distribution of information or any part of this Website or otherwise howsoever arising in relation to any breach of these terms and conditions by you.

6. Governing law
These terms and conditions will be governed by and construed in accordance with Isle of Man law. You hereby agree unconditionally and irrevocably to submit to the jurisdiction of the Isle of Man Court. Copyright© Bradford & Bingley International. All rights reserved.