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The content of this website and the products and services featured are only directed at and are only available to residents of the United Kingdom. The contents of this website shall be governed by and construed in accordance with English law. We will only communicate in English. Telephone calls are being recorded for security, quality control and training purposes.
The Banking Code sets standards for the way banks and building societies conduct business with their customers. Alliance & Leicester plc subscribes to this Code, a copy of which is available on request.
We are committed to the Banking Code and the standards it sets for good banking practice when we are dealing with our personal customers in the United Kingdom. In subscribing to the Code, we promise to:
Further information and a copy of the full Banking Code is available from the Banking Code Standards Board website.
Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company Number: 3263713. Registered in England. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 189099. You can check the FSA's Register by visiting the FSA's website at www.fsa.gov.uk/register
Copyright © Alliance & Leicester plc. All rights reserved.
Alliance & Leicester plc provides a Website www.alliance-leicester.co.uk ("the Website") which is generally accessible and may also offer various online services to its users. Such services may include online calculators, online application forms, internet banking products, product information, interest rates, email, chat rooms, instant messaging, text messaging, bulletin boards, and calendar facilities.
Your use of and access to the Website is subject to these Conditions of Use. By entering the Website You are agreeing and accepting these Conditions of Use. The Conditions of Use may be changed at any time and without notice. Any changes shall be posted on this page. It is Your responsibility to check these Conditions of Use in case there are any changes. If You access and use the Website after We have made a change to these Conditions of Use You shall be treated as having accepted the change.
Although anyone may be able to access the Website, the content of the Website and the products and services featured are only directed at and are only available to and for use by residents of the United Kingdom. They are not available to anyone who is not a resident of the United Kingdom.
In these Conditions of Use
| "Group" | means Alliance & Leicester plc and its subsidiaries |
| "Conditions of Use" | means these terms and conditions including any amendments which We may make to them in the future; |
| "We"/"Our"/"Us" | means Alliance & Leicester plc; |
| "Website" | means Our Website at www.alliance-leicester.co.uk; |
| "You"/"Your"/"Yourself" | means You, a person who uses the Website; |
| "Your Equipment" | means all such compatible equipment, software and communications lines (including any public communication lines) required by You to properly access the Website. |
3.1 The Website is provided by Alliance & Leicester plc. Alliance & Leicester plc, Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company No: 3263713. Registered in England.
3.2 The Website is a service provided to enable You to find information about the range of products and service provided by Alliance & Leicester plc. The Website also includes advertisements and general information related to about our range of products and service provided by Alliance & Leicester plc
4.1 The Website and the copyright in the content of and materials featured on the Website are owned by or licensed to Us.
4.2 Alliance & Leicester and certain other names, words, images or logos identifying the Website and the products and services featured in the 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.
4.3 The names and logos of third parties mentioned in the Website may be the property and trademarks of those third parties and are used by the Group with the permission of such organisations.
4.4 You may view, print, download or store temporarily extracts from the Website for Your own personal reference or for the purpose of applying to the Website to access or use the products and services featured on the Website. No other use (including, without limitation, the alteration, deletion, utilisation or extraction) of the content and materials featured on the Website is permitted without Our written permission. Otherwise than as provided, the 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.
Copyright© Alliance & Leicester plc. All right reserved.
5.1 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.
5.2 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.
5.3 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.
5.4 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.
5.5 We are not responsible for any loss or damage (including, but not limited to, any direct, indirect, special, incidental or consequential damage (including the loss of profit)) relating to the products and services of third parties which are featured in or linked to the Website.
5.6 Any dealings by You with any third party on or through the 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.
5.7 No third party website may in any way be linked to the Website without Our prior written request.
6.1 We regularly update the Website. However, We cannot guarantee that the content of the Website or the cars, goods and services featured (including, but not limited to, third party products and services) are available (either as featured or at all). The content of and the products and services featured in the Website are subject to change at any time without notice.
6.2 We are not liable to You for any scheduled or non-scheduled interruptions of the Website.
6.3 We provide the Website and the services featured on it on an 'as is' basis and We do not guarantee that the Website or services shall be available or suitable for Your purposes and requirements. We do not guarantee the accuracy or completeness of any information contained on the Website or services nor that the Website or services shall be error free.
6.4 To the extent permitted by any applicable law, We:
6.4.1 Exclude any liability and express or implied warranties (including, but not limited to, any express or implied warranties as to fitness for purpose, accuracy and completeness of content, quality and availability), relating to Your access and use of the Website and as to the content of, and products and services (including, but not limited to, third party products and services) featured in, the Website;
6.4.2 Exclude liability for any claims, loss or damage (including, but not limited to, any direct, indirect, special, incidental or consequential damage (including the loss of profit)) relating to Your access and use of, or inability or any delay in being able to use, the Website and as to the content of, and products and services (including, but not limited to, third party products and services) featured in, the Website.
6.5 Nothing in these Conditions of Use excludes or restricts Our liability for death or personal injury resulting from Our negligence.
6.6 We do not make any representation as to the accuracy or completeness of any opinion, advice or statement or any other information given by any third party which may be featured in or linked to the Website. We exclude all liability for any loss or damage (including loss of profit) which may arise directly or indirectly from any use of or reliance upon it.
You shall be liable to Us for (and agree to indemnify Us against) any liabilities, losses, or expenses incurred by Us as a result of: any breach by You of these Conditions of Use; or, Your use of the Website.
8.1 We have a complaints procedure in place to ensure that any complaint You may bring to Our attention is dealt with fairly and that it receives a quick response. Any complaint You may have shall be fully investigated.
8.2 In the first instance any complaint You may have relating to the Website should be sent to Us via the 'Contact Us' area of this Website. We would hope that We would be able to deal with any complaint You may have to Your satisfaction at this stage.
8.3 If Your complaint is one which We cannot quickly resolve or resolve to Your satisfaction Your complaint should be forwarded to the address in the 'Contact Us' section of the Website.
9.1 We may change the minimum specification You require to access the Website at any time. We shall notify You of such a change by placing a message on the Website. We are not liable to You if any such change in specification results in Your Equipment (the responsibility for obtaining, maintaining and upgrading of which is Yours) becoming incompatible with the Website or becoming unable to perform, within the Website all of the functions previously performed.
9.2 You accept that We cannot guarantee the speed with which You shall be able to access and use the Website (as it shall depend upon factors such as the specification of Your Equipment and the number of people using the Website) or that You shall have uninterrupted or continuous access to the Website (including any of the products or services featured).
9.3 You must not:
9.4 We may suspend or terminate Your access and Use of the Website at any time with or without notice. We shall be entitled to suspend or terminate Your access to the Website if We become aware and determine that You have breached any of these Conditions of Use.
9.5 You are responsible for getting an appropriate connection with a telecommunications provider in order to access the Website.
9.6 You shall be responsible for the cost of all charges You incur in accessing and using the Website.
10.1 These Conditions of Use shall be governed by and interpreted in accordance with English law. The English courts shall have sole jurisdiction over any disputes arising from the Website. We will only communicate in English.
10.2 Each of these Conditions of Use is separate from all other Conditions of Use, so that if one Condition of Use is found to be invalid or unenforceable this shall not affect the validity of any of the other Conditions of Use.
10.3 If We do not enforce any of the rights We have under these Conditions of Use, or if We delay in enforcing them, that does not stop Us from taking any action to enforce Our rights in the future.
10.4 We may at any time make changes to any part of the Website (including any change to these Conditions of Use). Any change shall be deemed to be accepted by You when You next access the Website following such change having been made.
10.5 We shall provide the Website using reasonable care and skill.
10.6 You acknowledge that any material and/or information downloaded or otherwise obtained through the Use of the Website is at Your own discretion and that You shall be solely responsible for any damage to Your Equipment or loss of data that results from the download of such material and/or data.
10.7 We shall use reasonable endeavours to keep the Website free from viruses and corrupt files. We do not warrant that the Website is free from infection by viruses or anything else with contaminating or destructive properties.
10.8 We have no obligation to monitor, censor or edit the content of any material transmitted or received by You or other Users of the Website. You are responsible for the content of any material You transmit.
10.9 We may monitor material transmitted or received using the Website and shall be entitled to modify, edit or remove any material on the Website or transmitted or received using the Website.
10.10 You may not transfer or try to transfer any of Your rights and responsibilities under these Conditions of Use. We may transfer any of Our rights and responsibilities without Your permission.
10.11 The headings in these Conditions of Use are for convenience only and shall not affect the meaning of these Conditions of Use.
Alliance & Leicester plc are committed to protecting the privacy of the information We obtain from You. That information shall be obtained on each occasion that You access the Alliance & Leicester website and when You apply for or use any product or service featured in the Website. Alliance & Leicester plc aims to provide a service which meets Your individual requirements and needs.
By accessing and using the Website You confirm Your consent to Alliance & Leicester plc collecting and using Your information in accordance with this Privacy Statement.
You need to be aware that third party websites which are linked to the Website or which You may need to access and Use to obtain any third party products or services featured on the Website may contain privacy provisions that differ from this Privacy Statement. Such third parties may use Your information differently to the way in which We shall Use it.
B. Use of e-mail (including e-mail Alerts)
Given that an e-mail message is sent through a number of computers over which We have no control You need to be aware that any message You send to Us or We send to You may not be secure, any data contained therein may be intercepted by or otherwise become available to a third party and We cannot guarantee the timescales within which We shall receive Your messages or You shall receive Our messages. We do not in any way control the information or materials ("Information") contained in e-mail messages. However, We reserve the right (which We may exercise at any time, at Our sole discretion and without notice) to delete, move or edit such information. In sending such Information, You waive any moral rights You may have in it.
C. Security of Your Information
You acknowledge the Internet is not a 100% secure medium for communication and, accordingly, We cannot guarantee the security of any information You send to Us via the Internet. We are not responsible for any damages You, or others, may suffer as a result of the loss of confidentiality of such information.
We, and on our behalf Coremetrics, use cookies (small files stored on your computer) to measure site usage and improve the service that We offer to You. We do not store any personal information that other organisations could read or understand and We do not monitor Your visits to other websites not hosted by Us.
If You wish to turn off Our cookies please type 'Cookie' in the index of the 'help' facility in Your browser, but please note that turning off cookies may limit Your use of Our Website.
References to 'We', 'Us' or 'Our' are references to Alliance & Leicester plc and other companies in Our Group.*
By ?your information? We mean the personal and financial information We obtain from you or from third parties (such as credit reference and fraud prevention agencies, joint account holders, other organisations who introduced us or act on your or Our behalf and from other companies within Our Group), We learn from the way you use and manage your account(s), and from the transactions you make, including the name of the supplier and the general nature of the goods or services you pay for using non-cash methods of payment.
We shall use your information:
On the basis that it is kept confidential, We may at any time give your Information to
You have a right to ask for a copy of your information if you apply to Us in writing (a small fee is payable) and to ask Us to delete or correct any information We hold about you that is wrong.
Credit Reference and Fraud Prevention Agencies (see paragraph relevant to the product for which you are applying):-
For Mortgage, Personal Loan and Current Account products:
We shall use credit-scoring or other automated decision making systems to assess this application and to verify your identity. We shall search your records at credit reference agencies who shall supply Us with credit information as well as information from the Electoral Register. The agencies shall record details of the search whether or not this application proceeds. We and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, your current spouse/partner who lives with you or any other individual identified as being financially associated with you (your ?associate?).
Information held about you by the Credit Reference Agencies may already be linked to records relating to your associate/s or other members of your household. For the purposes of this application you may be treated as financially linked and your application shall be assessed with reference to any such records. From the information you have provided in your application form, a link between you and your associate/s, shall be created at credit reference agencies, which shall link your financial records. You and your associate/s understand that each other?s information shall be taken into account in all future applications by either or both/all of you. This linking shall continue until one of you successfully files a ?disassociation? at the credit reference agencies.
By providing details of a spouse or partner residing with you, you are also declaring that you are entitled to:-
For all products:
If false or inaccurate information is provided and fraud is identified, details will 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:
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
We may make periodic searches of Group records, credit reference and fraud prevention agencies to manage your account with Us, to take decisions regarding credit, including whether to make credit available or to continue or extend existing credit. The searches shall not be recorded and shall not be seen or used by lenders to assess your ability to obtain credit.
If you want to receive details of the fraud prevention agencies we use or exercise your right of access to your personal records held by credit reference and fraud prevention agencies, please call Us on Freephone 0800 0681068.
For security and training purposes We may record and/or monitor your use of Our website and e-mail and telephone communications between us. We may use cookies (small files stored on the hard drive of your computer which do not harm your computer) to enable Us to record your preferences. However, We do not store any personal information that other organisations could read and understand about you and We do not monitor your visits to websites not hosted by Us.
You consent to Us transferring your information to countries that do not provide the same level of data protection as the UK if necessary for the above purposes. If We do make such a transfer We shall put a contract in place to ensure that your information is protected.
Keeping You Informed:-
We and our business partners would like to keep you informed by post, telephone, email and SMS text message about offers, products and services which may be of interest to you. If you do not want us to do this, please write to Alliance & Leicester plc, Data Admin, Bldg 3 Fl 3 (Marketing Preference Dept), Carlton Park, Narborough, Leicester LE19 0AL. However, you should remember that this will stop us from telling you about any of our special offers and promotions that may benefit you financially
DECLARATION
It is important that you read and understand the section above entitled Use of Your Information (including Credit Reference and Fraud Prevention Agencies and Keeping You Informed). By making this application, you consent to Us using your information in this way.
* Alliance & Leicester Group at the time of printing means Alliance & Leicester plc and its subsidiaries (whether direct or indirect) including (but not limited to) Alliance & Leicester Commercial Bank plc and Alliance & Leicester Commercial Finance plc.
A Guide to the use of your personal information by Alliance & Leicester plc and Credit Reference Agencies
Q: What is a credit reference agency?
A: Credit reference agencies (CRAs) collect and maintain information on consumers? and businesses? credit behaviour, on behalf of lenders in the UK.
Q: Why do you use them when I have applied to your organisation?
A: Although you have applied to Alliance & Leicester plc and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.
Q: Where do they get the information?
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Q: How will I know if my information is to be sent to a CRA or Fraud prevention agency?
A: Organisations are only allowed to send information to CRAs and/or Fraud Prevention Agencies with your agreement and knowledge. You will be told when you apply for an account if your data will be supplied. The short fair processing notice (?FPN?) on the application form and the condensed FPN in the product?s terms and conditions tell you how, when and why we will search at CRAs and what we will do with the information we obtain from them. We will also tell you if we plan to send information on you or your business, if you have one, to CRAs.
Q: Why is my data used in this way?
A: We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fairest decisions possible.
Q: Who controls what credit reference agencies are allowed to do with my data?
A: All organisations that collect and process personal data are regulated by the Data Protection Act 1998 overseen by the Office of the Information Commissioner. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.
Q: Can just anyone look at my data held at credit reference agencies?
A: No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.
Alliance & Leicester plc. Registered Office: Carlton Park, Narborough Leicester LE19 0AL. Company Number: 3263713. Registered in England. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is: 189099.
