Terms and Conditions of Use of Airdrie Savings Bank Website

This website is owned and maintained by Airdrie Savings Bank. The use of this website is subject to the following terms and conditions which you should read carefully.

By using this website you agree to accept and act in accordance with these Terms and Conditions. If you do not accept these Terms and Conditions please do not use this website. References to "you", "your" and "yours" are references to the person(s) accessing the website and the party/ies represented by such person(s). References to "the Bank", "we", "us" and "our" are references to Airdrie Savings Bank.

Who we are

Airdrie Savings Bank is a bank, instituted in 1835 under the Savings Bank (Scotland) Act, 1819. The Bank has its Head Office at 56 Stirling Street, Airdrie ML6 0AW. The main business of the Bank is providing banking services.

Use of the website

This website and the information contained within it is intended for use by residents of the UK only and is not aimed at or intended for use by residents of any other jurisdiction. If you are viewing this website from outside the United Kingdom you should note that the information contained within it may not be appropriate for use in other places and may not comply with the laws of any territory outside the UK. If you choose to access this website from countries other than the UK you do so at your own risk and you are responsible for compliance with local laws.

Our liability

Nothing in these Terms shall exclude liability that is not permissible under applicable law, including for death or personal injury or for fraudulent misrepresentation. Nothing in these Terms shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules with which we are bound to comply. The following terms in this, the "Our liability" section, do not apply to or affect our liability to you in respect of any account opened or operated by you using this website. Our liability to you in respect of such an Account is governed by our General Terms and Conditions together with any additional Product Specific Terms and Conditions such as our Internet Banking Terms and Conditions.

The Bank has taken all reasonable steps to ensure the content of this website is clear and accurate. The Bank accepts no responsibility arising out of your use of this website nor for any errors or omissions contained in this website nor if this website is unavailable at any time or for any period. We shall not be responsible for any direct or indirect financial losses (including loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings), nor for any loss of goodwill or reputation nor for any loss or damage we could not reasonably have expected to foresee or reasonably have expected to occur which you may suffer and which arises out of or in connection with your use of or access to this website or your inability to use or the results of your use of this website.

The Bank accepts no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Access to and use of this web site is at the your own risk and we do not guarantee that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including loss of data, computer virus infection, spyware, malicious software, Trojans and worms.

This website may contain links to other websites which are hosted and maintained by third parties. If you use these links, you acknowledge and agree that as you have chosen to enter the linked website the Bank is not responsible for the availability of such third party sites and does not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites; (ii) the content of such websites including any advertising, products, goods or other materials or services on or available from such websites; or (iii) the use that others make of these websites. You also agree that the Bank shall not be responsible for any damage, loss or offence caused or alleged to be caused by or in connection with the use of or reliance on any such advertising, products, goods or other materials or services available on such third party websites or resources.

Copyright and intellectual property rights

The copyright and all other intellectual property rights existing anywhere in the world in this website and its contents are owned by or licensed to us, unless otherwise noted. We reserve all copyright, trade mark, patent, intellectual property and other property rights in the information and materials contained in the website. No express or implied license is granted in this respect.

You may print, copy, download or temporarily store extracts from our website for your personal information or when you use our products and services. Any other use is prohibited unless you first get our written permission. In particular, you may not use a part of our website on any other website, or link any other website to our website, without our prior written permission.

Viruses, hacking and other offences

You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.

By breaching this provision you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Personal information

All personal information provided by you and any other information relating to your account will be treated in confidence and in accordance with section 32 of our General Term and Conditions and will not be disclosed to any third parties except:
- where we have to give the information by law
- where there is a duty to the public to disclose it
- where you request us to disclose it, or we have your permission to do so, or
- where our interests require us to give information (for example, to prevent fraud).

We will not use this as reason for giving information for marketing purposes. Transmission of information is at your risk. We do not guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us over the internet or the alteration, interception or misuse of such information. Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information such as PIN numbers or passwords secure at all times. We will never ask you for this information and you should not disclose it to any third parties.

Access to and changes to our website

Access to our website is permitted on a temporary basis. We will do our best to make our website available at all times but reserve the right to withdraw the service we provide on our site temporarily and without notice to enable us to carry out maintenance or updates or amend our website. We will not be responsible for any loss which you may suffer if for any reason our website is unavailable at any time or for any period.

We aim to update our website regularly and may change the content at any time. Any of the material on our website may be out of date at any given time and we are under no obligation to update such material.

Advice

No information or opinion contained on this website constitutes an offer or recommendation to enter into any financial transaction. The contents of any materials available on this website are for information purposes only and do not constitute financial, investment or professional advice and no reliance should be placed on them. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified adviser. Any figures shown on this website are subject to change.

Governing law

The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Scottish courts.