Recognise Terms of Use for Website and Portals

Access to and use of our websites and portals, including www.recognisebank.co.uk (“the websites and portals”) is provided by us subject to these Terms of Use. By using the websites and portals you are agreeing to these Terms of Use. “We” are Recognise Bank Limited (“us”, “our” or “the Bank”). Recognise Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration No. 849404. Registered in England and Wales – Company No. 10603119. Registered Office/Head Office: Second Floor, Augustine House, 6A Austin Friars, London, EC2N 2HA.

We may update or change our websites and portals from time to time. We will try to give you reasonable notice of any major changes where necessary. We may also amend these Terms of Use from time to time. Every time you wish to use our websites and portals, please check these Terms of Use to understand the terms that apply at that time. These terms were most recently updated in July 2022.

1. Marketing

We may contact you by mail, telephone, SMS text, email or fax about products or services which may be of interest to you. Please see our Privacy Notice and Direct Marketing Policy for further details on when we may send marketing communications to you and how you can opt-out of receiving marketing communications at any time if you do not want to receive these updates.

2. Governing Law

The information on the websites and portals has been prepared in accordance with and is subject to the laws of England. By using the websites and portals you submit to the jurisdiction of the English and Welsh courts. We make no representation that any material contained on the websites and portals is appropriate for any other jurisdiction or compliant with any laws or regulation thereof. The information on the websites and portals is directed at people within the United Kingdom only and this is not an offer to sell any products or do business with anyone located outside the United Kingdom. Should you choose to access the websites and portals from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.

3. Advice and Suitability

The information which is contained throughout our websites and portals does not constitute financial or other professional advice and is general in nature. It does not take into account your specific circumstances and should not be acted on without full understanding of your current situation and future goals and objectives by a fully qualified financial advisor

4. Information

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

5. Availability

Due to the nature of the Internet, availability of the websites and portals cannot be guaranteed. The Bank makes no warranty that your access will be uninterrupted, timely or error-free and shall have no responsibility for any incompatibility of the websites and portals with any of your equipment, software, hardware or telecommunications links or any technical problems including errors or interruptions of the websites and portals.

The Bank may occasionally need to carry out repairs, maintenance or introduce new facilities and functions. We may suspend or withdraw or restrict the availability of all or any part of our websites and portals for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

Although we may put in place security measures for your protection, provided we have used reasonable skill and care in doing so, we shall not be liable for damage to, or viruses or other code that may affect, any computer equipment, mobile device, software, data or other property as a result of your access to or use of the websites and portals or your obtaining any material from, or as a result of using, the websites and portals. We shall also not be liable for the actions of third parties in breaching any security measures.

6. Prohibited Uses

You may use our websites and portals only for lawful purposes. You may not use our websites and portals:

In any way that breaches any applicable laws or regulations;
In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect;
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

Not to reproduce, duplicate, copy or re-sell any part of our websites and portals in contravention of the provisions of these terms of use;
Not to access without authority, interfere with, damage or disrupt any part of our websites and portals, any equipment or network on which our websites and portals are stored, any software used in the provision of our websites and portals or any equipment or network or software owned or used by any third party.

7. Trade Marks and Copyright

The “Recognise” name and logos and all other brands, names, logos, marks and slogans on the websites and portals are the trade marks or service marks of us or our licensors.

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

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

8. Liability and Disclaimer

Whether you are a consumer or a business user, we do not exclude or limit our liability for:

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

If you are a consumer:

We shall not be liable to you for any losses arising out of your use of the websites and portals, including without limitation, loss of profit, loss of business, business interruption or loss of business opportunity.

The websites and portals are provided to you on an ‘as is’ and ‘as available’ basis and we make no warranty that it is complete, accurate or upto date. Provided we have used reasonable skill and care in providing our digital content to you, we will not be liable to you for any damage it may cause to you device or your own content. We recommend that in accessing our websites and portals you ensure you meet the minimum system requirements for doing so.

For further information regarding system requirements please see paragraph 15 Accessibilty below.

If you are a business:

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

We shall not be liable for any: a) indirect or consequential losses, damages, costs or expenses; b) loss of actual or anticipated profits; c) loss of use of money; d) loss of revenue; e) loss of goodwill; f) loss of reputation; g) loss of business or contracts; h) loss of operation time; i) loss of opportunity; or j) loss of or damage to data, suffered by any user of the websites and portals whether or not such losses were reasonably foreseeable or we had been advised of the possibility of you incurring such losses, arising from the use of or inability to use the websites and portals, or any material contained in it or accessible from it, or from any action or decision taken as a result of using the websites and portals or any such material.

This does not affect any liability we have and/or any obligations we have to our customers under any regulations issued by our regulators from time to time.

9. Third Party Sites

Our websites and portals may from time to time contain links to and from third party sites. Whilst every effort is made by Recognise to vet third party sites, we can provide no control over and accept no responsibility for the content of such linked sites and exclude all warranties and all liability for any loss or damage you incur as a result of your use of such sites. You must not frame any of the websites and portals onto your own or another person’s website and you cannot provide a link from your website to the home pages of our websites and portals without our permission. If we find any such link, we reserve the right to ask you to remove it immediately or we may remove it immediately.

10. Telephone calls

Telephone conversations may be recorded for training, monitoring and regulatory purposes and to improve our customer service standards. Please see our Privacy Notice for further details.

11. Disability Legislation

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

12. Security

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

13. Emails

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

1. Keep your information safe

We recommend the following:

a. Always keep your personal data protected.

b. Lock your PC when you are not using it.

c. For optimum security you should use the latest version of your chosen web browser.

2. Accessibility

Change text size using your browser: To increase or decrease the text size, use the appropriate option in your browser. For example, to increase text size:

Internet Explorer go to View>Text Size>Larger
Mozilla Firefox go to View>Text Size>Increase
Safari go to View>Make text bigger
Windows: Press the Ctrl and + keys together
Mac OSX: Press the Command and + keys together

Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 849404).