Rules of Use

Privacy and Security Policy

This page contains important information relating to your use of the Clydesdale Bank Security Documentation website, and privacy of your information, and our products.

Reference to CBPLC means Clydesdale Bank PLC.

Reference to YBHL means Yorkshire Bank Home Loans Limited.

This Site and the documents it contains are only for use by legal and conveyancing professionals who have been instructed to use them by Clydesdale Bank or Yorkshire Bank. Do not use this website for any other purpose.

Rules of use of this website ("Rules of Use")

This Internet site (www.cbonline.co.uk/securitydocs) (this "Site") of Clydesdale Bank PLC (the "Bank") or any communication containing a link to this site is for the professional use of the solicitors and licensed conveyancers specifically provided with the internet website address for this site when instructed by the Bank or YBHL . The Site should be used in all matters relating to the constitution and registration of residential security in favour of the Bank or YBHL and is not intended for distribution to, or use by, any person or entity. This Site is subject to the Rules of Use set out below. Please take time to read this important information. Use and access of this Site infers your acknowledgement and acceptance of the Rules of Use as the same may be amended from time to time. If you do not agree to the Rules of Use, please do not use this Site.

Unless otherwise stated the information and documentation held on this Site is intended for use in the UK only, and is not aimed or intended for use by residents of any other jurisdiction.

The forms and documents on this site should only be used in accordance with specific written or verbal instructions received from the Bank or YBHL.

Information about the Bank

The Bank. and YBHL, are authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Financial Services register no. 121873, and 303825. Credit Facilities other than regulated mortgages are not regulated by the Financial Conduct Agency.

The Bank is registered in Scotland under the company number: SC001111, having its registered office at 177 Bothwell Street, Glasgow, G2 7ER

YBHL is registered in England under the company number 1855020, having its registered office at Jubilee House, Gosforth, Newcastle Upon Tyne, NE3 4PL

Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.

Clydesdale Bank PLC, which also trades as Yorkshire Bank, is a member of a group of companies (the "Group"). The Group includes Clydesdale Bank PLC, each subsidiary or holding company of Clydesdale Bank PLC from time to time, and each subsidiary from time to time of any such holding company. A complete List is available on request.

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Lending Code

The Bank and YBHL comply with the requirements of the Lending Code, a voluntary code which sets standards for good lending practices.

Further details can be found on the Lending Standards Board website www.lendingstandardsboard.org.uk (opens in a new window)

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Accessing this Site

You should access this Site via the specific URL provided. Throughout this Site there are words highlighted in bold and underlined in the text. If you click on these words you will be taken to another page of this Site or part of that page. Depending on your screen resolution, the text and materials on one page of this Site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars in order to access the entire content of the page. If you do not do this you may not see important material and information. The Bank shall not have any liability if a user suffers loss or damage as a result of failing to use and access this Site properly.

As noted above if you access individual pages directly you may not see important material and information including links to important legal or regulatory information which should be read in conjunction with the Rules of Use and the Bank's Privacy and Security Policy and other relevant information. The Bank shall not have any liability if a user suffers loss or damage as a result of failing to see relevant legal or regulatory information displayed on this Site.

Access to this Site is permitted on a temporary basis, and the Bank reserves the right to withdraw or amend the service it provides on this Site without notice. The Bank will not be liable if for any reason this Site is not available at any time or for any period.

You are responsible for making all arrangements necessary for you to access this Site. You are also responsible for ensuring that all persons who access this Site through your internet connection are aware of these terms, and that they comply with them.

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Use of Website and Content

Copyright in the contents of, and in all information contained on this Site, vests in (or is duly licensed to) the Bank. All rights not expressly granted therein are reserved by the Bank. You may download to disk and retain a single copy of all or any of the pages (including parts of pages) contained on this Site and print copies of the same for your professional use. Apart from the foregoing use, no page or part of a page or other information contained on this Site may be copied, reproduced, stored, modified, altered, changed, reconfigured, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without the specific prior written consent of the Bank. Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this Site. Any unauthorised downloading, re-transmission or other copying or modification of any page or part of a page or information therein may well be in breach of statutory or common law rights which could be the subject of legal action.

We may provide links to other websites or resources (that are not part of the Group) for you to access at your sole discretion. You acknowledge and agree that, where you have chosen to enter a linked website we are not responsible for the availability of such external sites or resources, and 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.

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Trademarks

The 'CB device' and ‘Clydesdale Bank' and ‘Yorkshire Bank’ are registered trademarks of Clydesdale Bank PLC. Unauthorised use of these trademarks is not permitted.

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Updating Site Content and Security

The information contained or displayed on this Site is believed by the Bank to be reliable when displayed. The contents of this Site are subject to change by us without notification.

The Bank aims to update this Site regularly and may change the content at any time. The use of the internet and transmitting information to or from this Site may not be secure from access by third parties and therefore may not remain confidential or private. If you retain a hard or soft copy of all or any of these pages (including parts of pages) please ensure that the copy which is being relied upon is the most up-to-date version of that information available, by accessing this Site and refreshing/updating any cached copy of this Site or relevant part of it. Information published at this Site may refer to products, information or services that are not available in your country or locality. The Bank or YBHL is not obliged to provide such products, information and services and it reserves the right not to do so. The products, information and services published in this Site are not being made available to all users which access this Site and the products, information or services can be withdrawn at any time. The Bank or YBHL is not in any way obliged to act upon any instructions received from users of this Site.

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Warranties and Limitation of Liability

Access to and use of this Site is at the user's own risk and the Bank does not warrant that the use of this Site 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 the changes made to the content of this Site by unauthorised third parties.

The Bank will not be liable to you, the end-user or any third party for any direct or indirect, special, incidental or consequential damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, delict, tort or otherwise from your inability to use this Site for any reason or any content of any web-site linked to this Site or the materials or information contained and displayed at any or all such sites or from action taken (or not taken) as a result of using this Site or any content or any web-site linked to this Site or the materials or information contained at any or all such web-sites.

Any exclusions, limitations or restrictions of liability contained in these Rules of Use shall be subject to the qualification that nothing contained in any such exclusion or limitation or restriction of liability shall:

• 1. operate to exclude or restrict any duty or liability of the Bank or YBHL to any person which it has under the Financial Services and Markets Act 2000 (as amended from time to time); and
• 2. attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury or for fraudulent misrepresentation.

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Viruses, Hacking and Other Offences

The Bank and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this Site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this Site are published on the strict condition that you, the user, assume all risk of use and the Bank hereby excludes liability for all and any consequences of your use of such files or programs.

You will not transmit any technically harmful postings or transmissions to or through this Site (which shall include but not be limited to computer viruses, logic bombs, Trojan horses, worms, harmful components, corruptive data or other malicious software or harmful data) or engage in other practices of mis-use (which shall include but not be limited to hacking).

The Bank does not accept any liability for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it.

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Enforceability

Should any of these Rules of Use be held to be unenforceable the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect. If the Bank fails to exercise any right or remedy available under the Rules of Use such failure does not constitute a waiver of that right or remedy.

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Governing Law

The information appearing on this Site including the products and services described on this Site have been prepared in accordance with and are subject to the laws of England and Wales and if appropriate, Scotland. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than the United Kingdom and should not be relied on by people of any country other than the United Kingdom. Any visitor to this Site agrees that the use of this Site and the terms that are applicable are governed by the laws of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales.

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Financial Services Compensation Scheme

The Bank is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000.

If you make a valid claim against the Bank in respect of any credit balances, insurance, mortgages, investment held with us or which we arrange for you and we are unable to meet our liabilities in full, you may be entitled to compensation from the Financial Services compensation Scheme (FSCS). This depends on the type of business and the circumstances of the claim.

Further information about compensation scheme arrangements is available from the FSCS at www.FSCS.org.uk or Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street , London E1 8BN.

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Complaints

The Bank is a member of the Financial Ombudsman Service. If you are still not satisfied after following the Bank’s procedures, you can ask the Ombudsman to review the complaint. You can find out more about the Financial Ombudsman Service by telephoning the Bank. Alternatively, you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.

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Clydesdale Bank PLC Websites Privacy and Security Policy

Please note, some of the policies set out below may not be applicable to this site. Clydesdale Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority.

Clydesdale Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority. A complete list is available on request.

In this Privacy Policy, a reference to "we", "us" or "our" is a reference to the Group or a member of the Group, as appropriate.

We have developed this policy so that you may feel confident about the privacy and security of your personal information.

• Use of Personal Information
• Use of cookies
• Changes

Use of Personal Information

Clydesdale Bank will share information about you with other members of the Group. The following sections explain in more detail how and for what purposes the Group will use your personal information.

You do not need to register to access most of our websites, which is the case with this website, and where you do not register, personal information about you will not be collected by us unless you give us this voluntarily in order to process a specific request. We will use that data only to fulfil that request.

If you register for our internet banking services, any details you provide will be stored for use on future visits, as we do not want you to give us any information more than once. The details you give us may be combined with information about your use of any Clydesdale Bank website and information from other of our records in order to provide you with the online products and services you request. If you register for our internet banking services, we will treat you as having consented to our using your personal data in the manner described in this Policy.

We currently may hold personal and financial information about you and may obtain or receive such information about you in the future. The information we process about you will be obtained from various sources including:

• Directly from you;
• From your dealings with any member of the Group including from the transactions and operation of your accounts and services;
• From other organisations including credit reference and fraud prevention agencies; and
• From persons who know you including joint account holders and persons with whom you are financially linked in the context of a particular product.

For our internal operational reasons we may link information concerning your accounts with us to information concerning other products and services we provide to you. We may also link your information to that of other individuals with whom you are financially associated. Such information may also include sensitive personal data, such as information relating to your health, or criminal convictions or proceedings. However we only hold such data where we need to for the purposes of the product or services we provide to you or it is in our normal course of business to do so; for example, insurance products.

We will use your information:

• To operate and administer the products and services we provide to you;
• To assess the suitability of our products and services for you;
• To analyse the operation of your accounts and services and your purchasing preferences;
• To make credit decisions about you which may involve credit scoring;
• To develop, improve and market our products and services generally;
• For the prevention of fraud and money laundering;
• For market and product analysis purposes; and
• For debt recovery purposes.

We may also use your information for system testing purposes.

Where a third party has introduced your custom to the Group we may pass back to the introducer necessary information to enable administration of any payment or settlement.

In the provision to you of products and services involving insurance we are required to pass your details to insurers. Information you provide in connection with any claims made under the insurance may be recorded on to a register of claims through which insurers share information to prevent fraudulent claims. A list of participants and the register operator is available from the insurers.

We use a process known as Credit Scoring and may use other automated decision making processes to assist in the assessment of applications and to make other decisions during your relationship with us. We will tell you the reason for any decision that we make, if you request us to do so. You have the right to ask us to review such decisions manually.

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Use of Cookies

We may work with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we, and/or these third parties may place a unique "cookie" on your browser.

A cookie is a small file which is sent to your browser and stored on your computer's hard disc and helps us understand and track your use of the site and where it can improve the information and services provided. We use cookies solely to gather information on IP addresses, to analyse trends, administer the site, track users' movements on the site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages. For information about blocking the use of cookies, please refer to the instructions/help screen on your Internet browser. Please note that you may not be able to use or access certain parts of the site or online services if you block the use of cookies.

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Changes

As a result of improvements we make to our services, amendments to laws or regulation or developments in the technology or processes we use, we may change the information we hold about you and/or the way in which or the purposes for which we process such information. Where we require your consent to such change we will notify you of the change. However, unless you inform us otherwise, we will deem your continued receipt of products and services to which the change relates to constitute your consent to the relevant change.

Any changes we may make to out privacy policy in the future will be posted on this page and, where appropriate, notified to you.

Please help us - We wish our service to meet your expectations on all occasions. To do so we need the information we hold about you to be accurate and up to date. Please help us by informing us promptly of any changes to your personal circumstances.

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