By using the Sainsbury’s Bank insurance mobile application (the “App”), these terms and conditions will automatically apply to you and you agree to be bound by them and our Privacy Policy (together the “Terms”). You should make sure that you read the Terms carefully before installing and using the App.

Please see our Privacy Policy.

The App is provided by Sainsbury’s Bank Limited a company registered in 3 Holborn, London EC1N 2H with registered office at 3279730 (“us”, “we”, “our”).

Sainsbury’s Bank is authorised and regulated by the Financial Conduct Authority (Ref. 184514)

Use of the App

The App is a piece of software owned by Sainsbury’s Bank. We are granting you the non-exclusive right to install and use the App in accordance with the Terms.

The App is made available to you free of charge and for your own personal use only. You cannot transfer this right to anyone else. We remain the owner of the App at all times and retain all rights not expressly granted to you under the Terms.

Sharing your information

We will keep any information you have provided to us in relation to the App confidential. However, you agree that we may share this information with other companies within the Sainsbury’s Group (as detailed in our Privacy Policy, which we may amend from time to time). Please see our Privacy Policy for more details about how we and Sainsbury’s Group will use your information.

Use of cookies

By using the App you accept our use of cookies. Cookies are small pieces of information stored on your device by websites you visit that collect data about your behaviour.

We use a combination of persistent (long term) and session (short term) cookies to collect certain information in order to improve your experience of using the App. [For example, the App will use a persistent cookie to remember your account ID so that you don’t need to re-enter your details every time you wish to use it and will use a session cookie for information provided when you register which will be deleted when your session ends.

Device Requirements

We recommend that you do not ‘jailbreak’ or ‘root’ your mobile device (removing software restrictions and limitations imposed by the official operating system of your device). It could mean that the App won’t work properly or at all.

Device data usage and charges

Certain functions of the App will require the App to have an active internet connection. The connection can be Wi-Fi, or provided by your mobile network provider. We shall not be responsible for the amount of data used when accessing of using the App or for the App not working at full functionality if you don’t have access to Wi-Fi, or you don’t have any of your data allowance left. You should check with your mobile network provider for details of your data allowance and any associated charges.

In using the App, you’re accepting responsibility for any such charges, including roaming data charges if you use the App outside of your home territory (i.e. region or country) without turning off data roaming.

If you are not the bill payer for the mobile device on which you’re using the App, we will assume that you have received permission from the bill payer for using the App.

Device data

You agree that we may use and store elements of your device data which are required for both identification purposes and customer analysis. These elements include, but are not limited to, your unique device identifier, your operating system details and firmware information, your mobile device model, your browser type, your device language settings and country.

Device security

You are responsible for keeping your mobile device and access to the App secure at all times.

We will never ask you for your security information. If you receive such a request then it is likely to be fraudulent and your must not supply this information.

You are responsible for all instructions given by you or anyone acting with your authority between when you log onto the App until you log off the App.

Availability of the app

We endeavour to ensure that the App is available, updated and correct at all times. However we rely on third parties to provide information to us so that we can make the App available to you. You acknowledge that the availability of the App may be affected by factors out with our control and that we accept no liability for any loss direct or indirect you experience as a result of relying on the functionality of the App.

Intellectual property rights

The Sainsbury’s Bank Insurance mobile app name and logo and all other intellectual property rights including trademarks, patents, service marks, copyright, database rights, moral rights, rights in a design, know-how whether or not registered or capable of registration and whether subsisting in the United Kingdom or any other part of the world together with all or any goodwill relating or attaching thereto in relation to the App and the App’s content belongs to and vests in us (collectively “Sainsbury’s Bank IP”).

Any other intellectual property, including trademarks, service marks, graphics and logos used in connection with the App which is not Sainsbury’s Bank is the intellectual property of their respective owners (collectively “Third Party IP”).

The Sainsbury’s Bank IP and Third Party IP may not be copied, imitated or used, in whole or in part, without the prior written permission of owner.

License restrictions

You must not:

  • translate, merge, adapt, vary, copy, modify, alter or reproduce the App or any part of it, in any way;
  • rent, lease, sub-licence, loan, provide or otherwise make available the App any part of it, to any person without our prior written consent;
  • attempt to obtain or alter the source code of the App or make derivative versions;
  • act fraudulently or maliciously for example by hacking into or inserting malicious code into the App or any of our operating systems;
  • upload, store or share inappropriate or illegal images or content that breaches the rights of others;
  • infringe Sainsbury’s Bank IP and Third Party IP in relation to your use of the App;
  • use the App in a way that could damage, disable, overburden, impair or compromise the our systems or security or interfere with other users; or
  • collect or harvest any information or data from our systems or attempt to decipher any transmission to or from the servers running the App.

Acceptable use restrictions

You must not to use the App in any way that:

  • is unlawful, illegal or unauthorised;
  • is defamatory of any other person;
  • is obscene or offensive;
  • promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
  • is likely to harass, upset, embarrass, alarm or annoy any other person; or
  • advocates, promotes or assists any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Our liability to you

We will not be liable to you for any direct or indirect, special, punitive, exemplary or consequential losses or damages of any kind whatsoever arising out of or in connection with your use of the App, including without limitation loss of goodwill, theft or corruption of your information, the inability to use the App, device failure or malfunction.

Nothing in the Terms shall exclude our liability for death or personal injury caused by negligence or fraud by us.

Changes to the terms

We are committed to ensuring that the App is as useful and efficient as possible. We may need to make changes to the Terms to reflect regulatory changes or changes in law or to deal with additional features we may introduce. We may notify you of any changes by sending you an SMS or e-mail with details of the change or notifying you of the change when you next start the App. You will be deemed to have accepted the updated terms by your continued use of the App.

Updates to the App

We may update the App at any time without giving you notice to improve performance, enhance functionality, reflect changes to the operating system or address security issues. You may not be able to use the App unless you download the latest version and accept any relevant new terms. It is your responsibility to check for App updates and ensure you have installed the latest version.

Termination or suspension of the App

We may terminate or suspend your right to use the App at any time if you have broken the Terms.

Unless we tell you in writing otherwise, upon termination or suspension;

  • any rights and licenses granted to you under the Terms shall terminate;
  • you must stop using the App; and
  • you must delete the App from all devices.

Invalid or unenforceable terms

If any provision (or part of a provision) of the Terms is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

Transfer or rights under the terms

We may transfer our rights and obligations under the Terms to another organisation. We will tell you in writing if this happens and will ensure that the transfer does not affect your rights under the Terms. You may only transfer your rights or your obligations under the Terms to another person if we agree in writing.

Governing law and jurisdiction

The Terms and any dispute or claim arising out of on in connection with their subject matter will be governed and construed in accordance with:

  • Scots law if your address is in Scotland
  • laws of Northern Ireland is your address is in Northern Ireland; or
  • in all other cases, the laws of England and Wales.

The courts of either England and Wales, Scotland or Northern Ireland (depending on your address) will have exclusive jurisdiction to settle any disputes or claims arising out of or in connection with the Terms.