legal & regulatory

Legal & regulatory information		Terms & conditions
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Sainsbury's Bank plc - terms and conditions of use and access of Sainsbury's Bank plc internet website

The use and access of pages of the Internet Website of the Sainsbury's Bank is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of the Sainsbury's Bank Internet Website, you agree to be bound by the following terms and conditions.

copyright

©Sainsbury's Bank 2000. The copyright and material on Sainsbury's Bank Internet Website is owned by Sainsbury's Bank and protected by the copyright laws of the United Kingdom. The material on Sainsbury's Bank Internet Website may only be used by those who access it from the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including without limitation electronic reproduction by "uploading" or "downloading", without the prior written consent of Sainsbury's Bank. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of Sainsbury's Bank Internet Website may be in breach of statutory or common law rights which could be the subject of legal action. Sainsbury's Bank disclaims all liability which may result from any unauthorised reproduction or use of the information on Sainsbury's Bank Internet Website. All rights not expressly granted herein are reserved by Sainsbury's Bank. Certain images © Photodisc 2000.

trade marks

Sainsbury's Bank and the Sainsbury's Bank logo are registered trademarks of Sainsbury's Bank plc. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of Sainsbury's Bank Internet Website may constitute trade names or unregistered trade marks of Sainsbury's Bank. The display of any of the above trade names or trade marks on pages of Sainsbury's Bank Internet Website does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of Sainsbury's Bank Internet Website are the trade marks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trade mark owners and Sainsbury's Bank intends no infringement of such trade marks. The appearance or absence of products, services, companies, organisations, home pages or other Websites on Sainsbury's Bank Internet Website does not imply any endorsement or non-endorsement thereof by Sainsbury's Bank. All rights not expressly granted herein are reserved by Sainsbury's Bank.

liability for damages

Sainsbury's Bank shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of Sainsbury's Bank Internet Website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use or the downloading or use of any software made available by Sainsbury's Bank on Sainsbury's Bank Internet Website and Sainsbury's Bank shall not be liable for and each user shall indemnify and keep indemnified on demand Sainsbury's Bank from and against all claims, expenses, losses or liabilities (including professional fees and expenses) in connection with any claim by a third party relating to the use or downloading of the software or data or arising from such use or downloading.

Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of Sainsbury's Bank Internet Website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of the Sainsbury's Bank to any person which it has under the Financial Services and Markets Act 2000 (as the same may be amended from time to time) (the "Act")

warranties

The software, information, materials and functions contained in Sainsbury's Bank Internet Website including text, graphics, links or other items are provided on an "as is" basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. The software made available on Sainsbury's Bank Internet Website has been prepared solely for demonstration purposes and shall not be used for any other purposes whatsoever. Sainsbury's Bank excludes any liability for any errors in or omissions from information, materials and functions included in Sainsbury's Bank Internet Website or any third party Websites linked to or from Sainsbury's Bank Internet Website.

jurisdiction

The Sainsbury's Bank Internet Website is intended to be accessed only by persons located in the UK and Sainsbury's Bank makes no representation that any information, materials or functions included in Sainsbury's Bank Internet Website are appropriate for use in any other jurisdiction. However, if you are unsure whether the products and services referred to on Sainsbury's Bank Internet Website are available to you, please email us.

security of personal data

Sainsbury's Bank is concerned about the security of your personal information when using Sainsbury's Bank Internet Website. We have created this security statement to explain our information gathering and dissemination practices for Sainsbury's Bank Internet Website.

As the Internet is not a secure medium of communication, Sainsbury's Bank cannot guarantee the security of any information you input on Sainsbury's Bank Internet Website or send to us on the Internet. Sainsbury's Bank is not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.

links to other websites

The provision by Sainsbury's Bank of a link to another Website does not constitute any authorisation by Sainsbury's Bank to the user to access material held at that location, nor is it evidence of any endorsement by Sainsbury's Bank of the material held there. Sainsbury's Bank accepts no responsibility or liability for the privacy of your personal information on such Websites, as these are beyond our control. Sainsbury's Bank will accept no responsibility or liability in respect of any materials on any Website which is not under its control.

accessing/using Sainsbury's Bank internet website

Sainsbury's Bank Internet Website is designed to be accessed via its principal homepages, and not direct to individual pages. If you access individual pages directly, you may not see important information and warnings which are necessary for a full understanding of our products and services and Sainsbury's Bank generally. As you use Sainsbury's Bank Internet Website, you will find words in the text which are a different colour from the normal text and are underlined. These are links or shortcuts to other pages and if you click on them they will take you to those pages. A number of these links refer you to important legal or regulatory information which should be read in conjunction with the text in which the link appears. Sainsbury's Bank accepts no responsibility or liability for improper use of Sainsbury's Bank Internet Website. Unless the contrary is explicitly stated in the case of any product or service, Sainsbury's Bank Internet Website contains only a summary of the information relating to the products and services referred to on Sainsbury's Bank Internet Website. Therefore, if you are interested in finding out all of the information in relation to any of the products or services, you should seek further information from Sainsbury's Bank by any of the methods indicated on the pages describing the products and services.

Nothing on Sainsbury's Bank Internet Website is intended to constitute advice to you.

Webtrends

In order to develop our website in line with customer needs Sainbsury's Bank is working with WebTrends to track usage on our website. Webtrends provide us with statistics to show us which pages on our website are visited most frequently and how long visitors spend on our website. We use this information to help us plan how we should improve the website.

WebTrends uses a cookie to track the number of unique users of the site. It basically tells us whether we have a small number of regular visitors to the website or a large number of infrequent visitors. None of the information can be traced to an individual - we do not know who you are as a unique user, merely that there are a certain number of people using the website. The cookie only relates to what goes on in the Sainsbury's Bank website and the information cannot be used for marketing on an individual basis. For more information about how WebTrends collects data, please read their privacy policy.

problems experienced using Sainsbury's Bank internet website

Sainsbury's Bank Internet Website has been extensively tested and we hope that it works properly at all times. However, if you experience a problem at any time, please return to the homepage from where you entered Sainsbury's Bank Internet Website and try again. It would be very helpful if you could report any problems to us by sending an email.

enforceability

In the event any provision of these terms and conditions of use and access of Sainsbury's Bank Internet Website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

reliability of information

Information provided on Sainsbury's Bank Internet Website is believed to be reliable when posted. However, Sainsbury's Bank cannot guarantee that information will be accurate, complete and current at all times. All information on Sainsbury's Bank Internet Website is subject to modification from time to time without notice.

governing laws

The terms and conditions of use of Sainsbury's Bank Internet Website shall be governed by and construed in accordance with the laws of England.

registered office

Sainsbury's Bank, 33 Holborn, London EC1N 2HT.

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