General website terms & conditions

OneSavings Bank plc (Company Number 7312896) is a company registered in England and Wales whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET. OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504).

The FCA’s Financial Services Register of authorised firms can be found at http://www.fsa.gov.uk/register/psdFirmSearchForm.do The address of the FCA is 25 The North Colonnade, Canary Wharf, London, E14 5HS.

In these terms & conditions when we use the words “we”, “us” and similar expressions we are referring to OneSavings Bank plc.

Website terms & conditions

Please read these terms & conditions carefully.

When you use this website you are agreeing to and accepting these terms & conditions and any other terms & conditions posted on this website by OneSavings Bank from time to time. We may change these terms & conditions at any time, simply by updating this page. You should therefore check these terms & conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms & conditions. These terms &conditions only cover your use of the site.

Use of this website

The information on this site is written for UK residents only. This is not an offer to sell our products or do business with anyone located anywhere outside the UK. Please note that the UK does not include Jersey, Guernsey and other parts of the Channel Islands.

Copyright and trade marks

OneSavings Bank does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use but not for any other purpose, nor do you have the right to alter anything.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website are owned by, or licensed to, OneSavings Bank and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.

Disclaimer

This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos, trade marks and information about OneSavings Bank and the products and services it provides (the “information").

The website and information are provided “as is” and on an “as available” basis only and OneSavings Bank does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information. No responsibility is accepted by or on behalf of OneSavings Bank for any errors, omissions, or inaccuracies in the information on the website.

Although OneSavings Bank attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of OneSavings Bank, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards our customers under the regulatory system.

Availability

We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.

Viruses

Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; nor does the information constitute financial, investment, tax or other professional advice.

Linking

Websites to which this website is linked have not been reviewed by OneSavings Bank. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

Applicable law and jurisdiction

Use of this website and these terms & conditions are subject to the laws of England and Wales and the jurisdiction of the English Courts. By using this website you irrevocably submit to the jurisdiction of the English Courts.

Cookies

What are cookies?

This website, in common with most other websites, uses cookies. Cookies are small text files that web servers can store on your computer’s hard drive when you visit a website. Websites typically use cookies to ensure that you see the content you want when you go back to a site, to enable you to see protected content when you have logged in with a user name and password or to remember what you have put into your shopping cart when you are online shopping.

Cookies are stored on your computer – they are not associated with an individual, just with the browser that is being used. That's why information you may view on your work computer is not remembered when you go home. They do not store personally identifiable information.

Session or persistent cookies

Some cookies are session cookies. This means they are deleted when you close your web browser (that is Internet Explorer, Firefox, Safari etc). These are the cookies typically used when you log into a bank or make an online purchase.

Other cookies are persistent. This means they remain on your computer until they expire. This can be a fixed time after you have visited the website (eg one year) or a particular date (eg 31 December 2015). These cookies are used to remember information between visits to a website. For example, if you tell the BBC website to remember which weather forecast you want to see, it will use a cookie to remember that.

First or third party cookies

First party cookies are set by the site you are visiting. In the example above the cookie would be set by the BBC. They are only read when you go back to the same site again.

Third party cookies are set by someone other than the site owner. These may be set by agencies who have placed adverts on a site you visit, by analytics programs that help site owners know how well their site is working and similar organisations. If you go to another site that uses the same advert provider, the cookie may be read again, and the advertising agency will be able to recognise that the same computer has visited this site too. This information is generally used by agencies to target adverts so that you are more likely to see adverts for products you are interested in.

Use of cookies by OneSavings bank

Website analytics

We use third party website analytics providers to monitor visitor traffic to our site to supply website reporting and analytics. This gives us information about the pages on our site that visitors view, where our visitors come from (for example, whether they were directed to our site by a search engine), how long they choose to stay on the site, the types of browsers they use and so on.

We use this information to enhance our website offering so that we give our users the best possible experience on the site and to monitor the effectiveness of our marketing activities. However, this information is provided in anonymised, aggregate form only. It does not enable you or your activity on our site to be individually identified.

We use the following website analytics providers:

Google Analytics

The OneSavings bank website uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of our website. The information collected by Google Analytics helps us to understand how people use our website, what technologies they use, whether they have followed a link or carried out a search to find the site and which pages are most popular. It does not give us individually identifiable information about your interaction with the site.

Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law or where such third parties process the information on Google's behalf. Google will not associate your Internet Provider (IP) address with any other data held by Google. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

To find out more about the Google Analytics cookie and to reject or delete this cookie, you can visit the Google Privacy site at http://www.google.com/intl/en/privacypolicy.html

How can you control and delete cookies?

OneSavings Bank will not use cookies to collect personally identifiable information about you. However, you have the right to disable or delete cookies. If you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings.

As the means by which you can do this varies from browser to browser, please follow the instructions provided by the specific browser you use (usually located under the “Help”, “Tools” or “Edit” function).

Alternatively, an external resource is available at www.aboutcookies.org which provides comprehensive information about cookies and how to manage them to suit your preferences on a wide variety of browsers. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies. For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.

As mentioned above, some of our services require cookies in your browser to help protect your financial and personal information. If you choose to set your browser to disable cookies, you may not be able to access secure areas of this site (including online banking functionality).