It is important that you read and understand these conditions before you start to use our website. Your use of our website will constitute acceptance of these conditions in their entirety.
We may amend these conditions at any time without notice. Your use of our website after such amendment will be subject to these conditions as amended.
Information on our website about Savings and Investment accounts, Insurance, Mortgages, Personal/Secured loans and Credit Cards is provided for the benefit of United Kingdom and Isle of Man residents only. It should not be regarded as an offer or invitation to sell any products in any jurisdiction other than the United Kingdom and Isle of Man. We reserve the right to decline any application for any product from anyone resident in any other jurisdiction.
The Birmingham Midshires website contains both online application forms and quotation calculators. When you provide us with personal information about another applicant you are acting with the knowledge and approval of those individuals, and you have the authority to agree to the processing of their personal details.
2. Security
Certain areas of our website are secure (for instance, application forms which you can complete online for internet accounts). You can tell which areas are secure by the appearance of a security symbol in the browser's status bar (please note, the security symbol varies on different browsers and platforms. On most recent browsers, this is indicated as a securely closed padlock. It is your responsibility to understand which symbol represents security on your browser, please contact the software vendor for further details). Any information sent to Birmingham Midshires using a secure area will be encrypted to a high standard and sent on to us in a secure format.
There may be other email features within our website, which we cannot guarantee as secure. You can tell which email features are not guaranteed as secure by the absence of the security symbol (see above). We recommend that you do not send to us sensitive personal and financial information (such as account numbers, balance details and income or salary details) except via the clearly marked secure email features. Birmingham Midshires will not in any circumstance send any confidential information to you by email, even if you ask us to.
Birmingham Midshires complies at all times with its legal and regulatory obligations. In particular we will treat information you provide to us via our website in accordance with the Data Protection Act 1998, where we are required to do so. Information given to us via our website will be used to provide the requested service, and may be used by Bank of Scotland plc to keep you informed of products and services which may be of interest to you. Please let us know if you do not want us to use your information in this way, by emailing info@birminghammidshires.co.uk with details of your full postal address as it appears on your account so we can amend your details.
Calls to the telephone numbers listed on our website may be monitored and recorded, to help us maintain the quality of service we provide to you.
3. Regulatory
Birmingham Midshires Financial Services Ltd is an appointed representative only of AXA Sun Life Services plc, which is authorised and regulated by the Financial Services Authority. It can only advise on a range of products and services made available through the AXA Sun Life Services plc.
Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Birmingham Midshires is FSA registered number 169628 (as a trading name of Bank of Scotland plc.)
Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Birmingham Midshires is FSA registered number 169628.
4. Website Access
We will endeavour to make this site constantly accessible for your use. We cannot however guarantee this availability, and will not be liable at all if the website is unavailable for any period.
We reserve the right to suspend access to our website temporarily or permanently, and without notice.
5. Liability
All content on our website is provided for your information only. We endeavour to ensure that the content is current and accurate, but do not accept any liability where it is not, whether in contract, negligence, tort or otherwise, and whether direct or consequential. If you want to rely on any information provided in our website, you should check its currency and accuracy directly with us, before placing any reliance on it.
Where we provide on our website, direct links to another website not under our control, we accept no liability for the content of, or your use of, that other site. When using that other website, you will not be subject to these conditions, but you may be subject to the relevant conditions of use of that other site. Where we provide direct links to another website, we neither guarantee the accuracy of the content of that website, nor do we necessarily endorse or approve of that content. We cannot guarantee that you will be able to access the other website via the link on our website at any time.
Birmingham Midshires aims to ensure that our website is free of all viruses and technical defects of any description. Due to the nature of the Internet however, and the possibility of third party interference, this cannot be guaranteed, and we will not be liable for any damage or loss caused as a result of your use of our website.
Content on our website is provided for your information only, and does not constitute an offer to contract. The information provided does not constitute advice or a recommendation. We do not guarantee that the services and products advertised on our website will be suitable for you. If in any doubt, you should contact us directly for further advice, or seek appropriate financial advice elsewhere.
6. Intellectual Property
Birmingham Midshires owns and operates this website. Birmingham Midshires is the owner of all intellectual property rights in material contained within this website. This includes, but is not limited to, all copyright, trade marks, patents and designs. We will rigorously pursue any unauthorised infringements of our rights.
You are allowed to use, download or print the information available on this website for your personal use only. You may not otherwise extract or distribute the material contained in this website, or use the material for any commercial benefit to yourself or others. If you wish to use our website content for any other purpose, or in any other way, you must contact us to obtain our prior written consent. We may not give consent. If any consent is given we will explain as part of the consent how you will be permitted to use this website and its contents.
7. Applicable Law
These conditions, and your use of this website, are governed by, and will be construed in accordance with, English law. The courts of England and Wales will have sole jurisdiction to determine any disputes arising.
Our website is not intended for your use if you are resident outside the United Kingdom or Isle of Man; we therefore do not guarantee that our website complies with the laws and regulations of any other jurisdiction.
8. Definitions
In these conditions, the words:
'you' , 'your' shall refer to you, the user of our website
'our' , 'we' , 'us' shall refer to Birmingham Midshires.
