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Digital Banking Services Terms and Conditions

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Digital Banking Services Terms and Conditions Digital Banking Services Terms and Conditions Conditions and your Account Terms, your Account Terms will Section A Digital Banking Services - Universal take precedence. Terms and Conditions 2.5 You can find copies of your Account Terms on our websites. Section B Telephone Banking Terms 2.6 You should read these Conditions carefully before accepting and Conditions them. You may wish to print them and keep them safe for future reference. A copy of these Conditions will be available on our Section C Internet Banking Terms and Conditions website. If you’ve any questions about these Conditions, please Section D Banking App Terms and Conditions contact us. You can get in touch by visiting a branch or calling the phone numbers on our website (at the “Contact Us” or “Get Help” sections). 3. Who can use the Digital Banking Services Section A 3.1 To use any of the Digital Banking Services you must have a product Digital Banking Services - Universal with us which we agree can be used with the relevant Digital Terms and Conditions Banking Service. 3.2 To use the Banking Apps you must be over eleven (11) years old. 1. Who we are 3.3 To use Internet Banking or Telephone Banking you must be over 1.1 These conditions are between you (the customer) and us. sixteen (16) years old. They apply to the Digital Banking Services (described below). 3.4 To use the Banking Apps you must have a compatible mobile In these Conditions when we talk about ‘Clydesdale’, ‘Yorkshire’, phone and/or tablet to access the full range of features (in these ‘Virgin Money’, ‘we’, ‘us’ and ‘our’ we mean Clydesdale Bank PLC. Conditions we call these “Devices”). Registered in Scotland (No. SC001111) with Registered Office 30 St Vincent Place, Glasgow, G1 2HL. 3.5 If you want to receive SMS Alerts you must have a UK mobile number starting with 07. 2. What are Digital Banking Services? 4. Keeping your Account Safe 2.1 These Terms and Conditions (“Conditions”) cover use of the following services provided by Clydesdale Bank PLC (whether 4.1 When you set up any Digital Banking Service to keep your via Clydesdale, Yorkshire or Virgin Money): account secure you will need to set up security passcodes, passwords and similar. In these Conditions we call these your 2.1.1 Telephone Banking; “Security Details”. As long as our systems have checked your 2.1.2 Internet Banking; and identity by verifying Security Details we will assume that we 2.1.3 Our Banking Apps. are dealing with you and that you have agreed to us disclosing 2.2 In these Conditions we use the term “Digital Banking Services” to information to you and acting on any instruction without getting cover all of the above and each one is a “Digital Banking Service”. further confirmation from you. 2.3 The terms set out in Section A of these Conditions (Digital 4.2 Except where you are logging or signing in to a Digital Banking Banking Services – Universal Terms and Conditions) apply to all Service we will never ask you to tell us your Security Details (e.g. Digital Banking Services. In addition to these general conditions: by calling you or emailing you) so please don’t share them with anyone, even if they say they’re from Clydesdale Bank, Yorkshire 2.3.1 if you are using Telephone Banking, the terms in Section Bank or Virgin Money. B apply; 4.3 You agree: 2.3.2 if you are using Internet Banking, the terms in Section C apply; and 4.3.1 not to give your Security Details to anybody (even if it looks like we may have asked you for them); 2.3.3 if you are using the Banking Apps, the terms in Section D apply. 4.3.2 not to write down your Security Details in a way that they could be understood by anyone else; 2.4 These Conditions work alongside the terms and conditions for the account or product which we allow you to use with the 4.3.3 to make sure no-one else sees you enter your Security Digital Banking Services (e.g. the terms for your current account Details when you’re using a Digital Banking Service; or your credit card). We refer to those terms as the ‘Account 4.3.4 to follow all instructions or “Alerts” (such as emails, push Terms’. So for example, if you use the Clydesdale Bank app, notifications and SMS messages) which come from us; and the Banking App conditions set out in Section D below work 4.3.5 to check your account records carefully. alongside the Terms and Conditions and the Tariff for Clydesdale Bank accounts and any other account we allow to be used with the Clydesdale Bank app. If there’s a conflict between these 4.4 You must tell us as soon as you can if: relevant Digital Banking Service or to make automated payments 4.4.1 someone else knows your Security Details (or you think (including bill payments) on your behalf. You’re responsible for they may do); all the instructions authorised by you using the Digital Banking Services as well as those made by another person with your 4.4.2 you see any mistakes or unauthorised payments in or knowledge or consent (including any Nominated User). For out of your account; or further details on payments and transfers please refer to your 4.4.3 you think someone else has or has tried to get into your Product Terms. account. 8.2 When using a Digital Banking Service, standing orders or 4.5 If any of the above happens, you should change your Security Direct Debits must be cancelled at the latest before 16:00 on Details: the working day before the processing date, otherwise the 4.5.1 for the Banking Apps, from within the banking app using cancelation will not apply until the next payment date. another registered device; 9. Availability and Functionality 4.5.2 for Internet Banking, by using the options on the internet banking website; and 9.1 You can usually use the Digital Banking Services at any time but sometimes repairs, updates and maintenance on our systems 4.5.3 for Telephone Banking, by calling us immediately to and those of our suppliers may mean that some of the features select new telephone Security Details. may be slower than normal or temporarily unavailable. We won’t 4.6 You must call us as soon as you can if your mobile, tablet, always be able to let you know when a Digital Banking Service laptop or computer that you use with a Digital Banking Service won’t be available and we won’t be responsible for any losses (or which syncs to your Device) to has been lost, stolen or you suffer as a result of such unavailability or where the Digital fraudulently accessed. Banking Service is not working properly for other reasons 4.7 We may ask you to change your Security Details for operational outside of our control. or security reasons. 9.2 If a Digital Banking Service is not available it’s up to you to use 5. Joint Accounts other ways to make your transactions or obtain/ give information to us (e.g. by using another Digital Banking Service or visiting 5.1 All joint account holders can independently use the Digital in-branch). Banking Services. If payees (what we call the person, company, 9.3 The money management features within the Digital Banking charity or other organisation you’re paying) are created on joint Services (e.g. future projections) look at your historic behaviour accounts using a Digital Banking Service, all account holders and estimate your future actions based on that information. will be able to view, use, amend or cancel them if they have an Any illustrations, projections and automatic “tagging” of any account which can be used with the Digital Banking Service and transactions are only indicative and are based on the information (where relevant) they have a separate Device to access the provided by you and your past transactions. Nothing contained Digital Banking Service. in the Digital Banking Services constitutes advice. 6. Nominated Users 10. If you didn’t authorise a payment 6.1 You’ll be able to nominate other people aged sixteen (16) years 10.1 Unauthorised, incorrect or failed payments from an account or or over (“Nominated Users”) to use the Digital Banking Services product you use with the Digital Banking Services will be dealt on your behalf. If you are a Nominated User these Conditions with as set out in the relevant Account Terms together with apply to you as if you were the customer. clause 10.2 below. 6.2 A Nominated User who has been nominated by you may use 10.2 If unauthorised payments are made from your account and you the Digital Banking Service(s) in the same way as you can (or your Nominated User) have either deliberately or by being (provided this does not conflict with any restrictions we place on grossly negligent failed: Nominated Users from time to time). 10.2.1 to keep your Device or Security Details secure (in the 6.3 We will assume that anything a Nominated User does using the ways mentioned in the “Keeping your account safe” section Digital Banking Services has been authorised by you. You will above); or notify us in accordance with Paragraph 15.2 if a Nominated User should only have restricted access to or use of an account (for 10.2.2 to tell us as soon as possible on becoming aware that example, only to access financial information about an account) your Device or Security Details have been compromised or or if they should no longer be able to use the Digital Banking misused.
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