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This page contains important legal and regulatory statements which you must read in conjunction with the information on Bank of Scotland's website which describes Bank of Scotland's products and services.
The products and services described in this site are available only to UK residents (excluding the Channel Islands and the Isle of Man). The information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country. The phone number only applies to phone calls made from within the UK. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement (followed by a 'click' button to access the site).
The following Legal and Regulatory statements relate to the business products pages and products only.
General
Internet Banking
Telephone Banking
Cash withdrawals from ATM
Optimum Viewing Standards
Technical requirements
Savings
Gross
Annual Equivalent Rate
VAT
Insurance
Stakeholder pensions
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General
Bank of Scotland is authorised and regulated Financial Services Authority.
Finance is provided for business only and subject to satisfactory credit assessment by Bank of Scotland or companies within the same group as Bank of Scotland.You can obtain a list of all of the companies in the HBOS Group by writing to us. Bank of Scotland complaint handling procedures meet the standards required by the Financial Services Authority. A copy of these procedures are available on request.
Calls to Bank of Scotland Phoneline - 0845 300 0268 are charged at local rate from within the UK.
If you are unhappy about your choice of current or savings account, the cooling-off period described in the Business Banking Code may apply. Bank of Scotland is subject to the jurisdiction of the Financial Ombudsman Service, contact details:
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone 0845 766 0902.
All overdrafts are subject to appraisal by Bank of Scotland based on the applicants' financial status. Overdrafts are repayable on demand. You must be aged 18 or over and a UK resident (excluding the Channel Islands and the Isle of Man) before you can apply.
Bank of Scotland is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. We may monitor and record telephone calls to help us provide a higher level of service.
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Internet Banking
Bank of Scotland makes no charge for the use of its Internet Banking Service. However, any charge made by your Telecoms Provider and/or Internet Service Provider (ISP) for using the internet will still apply.
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Telephone Banking
Bank of Scotland makes no charge for the use of its Telephone Banking service. However, any charge made by your Telecoms Provider will still apply.
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Cash withdrawals from ATM
Are subject to available funds in your account. Some banks and building societies may charge for this service and may limit the amount you can withdraw at any one time.
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The Data Protection Act
The Data Protection Act does not apply to companies in themselves but it does extend to sole traders and partnerships. When an application is received from a business, in addition to the above information, information may be sought from credit reference agencies on the company directors and/or partners as individuals. For more information please see Security and Privacy.
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Optimum Viewing Standards
Bank of Scotland's website is designed for use with Microsoft Internet Explorer version 4.0 and above and Netscape Navigator version 6.0, other commonly-used browsers may also work with the site.
To see any Macromedia flash animation, you'll need Macromedia Flash Player. If you don't already have it, download Macromedia Flash Player (opens new window).
To read Adobe Acrobat guides, you'll need Adobe Acrobat Reader. If you don't already have it, download Adobe® Acrobat Reader® (opens new window).
To read Adobe Acrobat guides with a screen reader please link to the Access Adobe website (opens new window)
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Technical requirements
The templates are compatible with Microsoft Word and Microsoft Excel software for PCs. To open and use them, you'll need Microsoft Word version 6 or above, and Microsoft Excel version 5 or above installed on your computer.
We've also provided the files as basic text and Lotus 123 formats, which you should be able to import into your other word processing and spreadsheet software packages. If you're not sure how to do this, check your software packages' "Help" sections.
Microsoft is either a Registered Trademark or Trademark of Microsoft Corporation in the United States and / or other countries.
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Savings
Bank of Scotland is a member of the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000. Where a customer has made deposits in a savings or bank account, payments under the scheme are limited to 100% of the first £35,000, subject to a maximum payment to any one depositor of £35,000. This limit applies provided the insolvency or other default of the bank or firm concerned takes place after 1st October 2007. Please note that accounts with Bank of Scotland include accounts in its divisions and trading names, for example, Halifax, Intelligent Finance and Birmingham Midshires. Most deposits denominated in sterling and other European Economic Area currencies and euro made with offices of the bank within the European Economic Area are covered. There are different levels of protection for other investments covered by the Financial Services Compensation Scheme. Further details of the scheme are available on request.
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Gross
The rate of interest paid without deduction of tax to eligible non-taxpayers.
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Annual Equivalent Rate
The AER represents the annual rate effectively received by a customer if interest at the gross rate applied during the year remained in the account and itself earned interest.
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VAT
All references to taxation (and/or VAT if applicable) treatment are subject to confirmation by your professional advisers.
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Insurance
Bank of Scotland is an Insurance Intermediary. Travel Insurance is underwritten by St Andrew's Insurance plc (registered in England No. 3104671).
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Stakeholder Pensions
Halifax Life Limited (Registered in England No. 2233654). Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Services Authority.
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