Details of our legal and privacy policies

This page contains important information relating to your use of the Virgin Money UK PLC website and the privacy of your information.

References to "you" or "your" are references to any person accessing this internet site (www.virginmoneyukplc.com) (the "Site").

References to "we", "us" or "our" are references to Virgin Money UK PLC.

Rules of use of this Site ("Rules of Use")

This Site is operated by Virgin Money UK PLC and is subject to the Rules of Use set out below. Please take time to read this important information carefully before you start to use this Site, as these Rules of Use will apply to your use of this Site.

By using this Site, you confirm that you accept these Rules of Use and that you agree to comply with them. If you do not agree to these Rules of Use, you must not use the Site.

The Rules of Use apply to your use and access to this Site. There are separate terms and conditions applicable to any product or service you may purchase from us or any member of the Group (as defined below).

Information about Virgin Money UK PLC and the Group

Virgin Money UK PLC is registered in England and Wales under the company number: 09595911, and has its registered office at 1 Bamburgh, Jubilee House, Newcastle upon Tyne, NE3 4PL

Clydesdale Bank PLC, which trades as Clydesdale Bank, Yorkshire Bank, B and Virgin Money, is registered in Scotland under the company number: SC001111, and has its registered office at 30 St Vincent Place, Glasgow, G1 2HL.

Clydesdale Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. The VAT number of Clydesdale Bank PLC is 261377066.

Virgin Money UK PLC and Clydesdale Bank PLC are members of the Virgin Money UK group of companies (the "Group"). When we say 'Group' we mean Virgin Money UK PLC; Clydesdale Bank PLC; Clydesdale Bank Asset Finance Limited; CYB Intermediaries Limited; Yorkshire Bank Home Loans Limited; Yorkshire and Clydesdale Bank Pension Trustee Limited; YCBPS Property Nominee Company Limited; YCB DC Trustee Limited; CGF No. 9 Limited; Salary Finance Loans Limited; Red Grey Square Funding LLP; St Vincent (Equities) Limited; Clydesdale Covered Bonds No.2 LLP; Yorkshire and Clydesdale Bank Foundation; Yorkshire Bank Public Limited Company; Northern Rock Limited; Eagle Place Covered Bonds LLP; Virgin Money Holdings (UK) plc; Virgin Money Unit Trust Managers Limited; Virgin Money Nominees Limited; Virgin Money Personal Financial Service Limited; Virgin Money Management Services Limited; Virgin Money plc; Virgin Money Giving Limited; The Virgin Money Foundation; and each other subsidiary or holding company of Virgin Money UK PLC from time to time and each other subsidiary from time to time of any such holding company. An up to date list of the companies in our Group is available on request.

Please note: this Site is the website for Virgin Money UK PLC which is the holding company of Clydesdale Bank PLC and the Group. If you wish to access the banking and financial services of Clydesdale Bank, Yorkshire Bank, B or Virgin Money please visit www.cbonline.co.uk, http://www.ybonline.co.uk or www.virginmoney.com.

Accessing this Site

You should access this Site through the homepage or via a relevant information page and should not access any of the online forms or services directly. Throughout this Site there are words highlighted in bold and /or colour that are links that will take you to another page of this Site or part of that page. Depending on your screen resolution, the text and materials on one page of this Site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars in order to access the entire content of the page. If you do not do this you may not see important material and information. We shall not have any liability if a user suffers loss or damage as a result of failing to use and access this Site properly.

As noted above if you access online forms or services directly you may not see important material and information including links to important legal or regulatory information which should be read in conjunction with the Rules of Use and our Privacy Policy and other relevant information. We shall not have any liability if a user suffers loss or damage as a result of failing to see relevant legal or regulatory information displayed on this Site.

Access to this Site is permitted on a temporary basis, and we reserve the right to suspend, discontinue, withdraw or amend all or any part of the service it provides on this Site without notice. We will not be liable if for any reason this Site is not available at any time or for any period.

You are responsible for making all arrangements necessary for you to access this Site.

Use of the Site and Site content

Copyright and all other intellectual property rights in the contents of, and in all information contained on this Site, vests in (or is duly licensed to) the Group. All rights not expressly granted therein are reserved by the Group. You may download to disk and retain a single copy of all or any of the pages (including parts of pages) contained on this Site and print one single hard copy of same for your own personal use. Apart from the foregoing use, no page or part of a page or other information contained on this Site may be copied, reproduced, stored, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without our specific prior written consent. Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this Site. Any unauthorised downloading, re-transmission or other copying or modification of any page or part of a page or information therein may well be in breach of statutory or common law rights which could be the subject of legal action. Your right to use this Site will cease immediately if you print off, copy or download any part of the Site in breach of these Rules of Use and you must, at our option, return or destroy any copies of the Site material made.

The 'Virgin Money device' and 'Virgin Money UK PLC' are registered trademarks of the Group. Please refer to the section above entitled 'Information about Virgin Money UK PLC and the Group' for what we mean when we say 'Group. Unauthorised use of these trademarks and any other trade marks appearing on our websites is not permitted.

Updating Site content

The information contained or displayed on this Site is believed by us to be reliable when displayed.

Whilst we have taken reasonable care to ensure that the information and functions contained or displayed on this Site are complete and correct, we do not warrant or represent that such information or functions is or are free from errors or omissions or that the information contained or displayed on this Site is suitable for your intended use. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to this Site, or by anyone who may be informed of its contents.

We aim to update this Site regularly and may change the content at any time. However, any of the material on this Site may be out of date at any given time and we make no commitment to update the content and materials on this Site.

If you choose to retain a hard or soft copy of all or any of these pages (including parts of pages) please ensure that the copy which is being relied upon is the most up-to-date version of that information available, by accessing this Site and refreshing/updating any cached copy of this Site or relevant part of it.

Information published on this Site may refer to products, information or services that are not available in your country or locality. We are not obliged to provide such products, information and services and we reserve the right not to do so. The products, information and services published on this Site are not being made available to all users who access this Site and the products, information or services can be withdrawn at any time. We are not in any way obliged to act upon any instructions received from users of this Site.

Warranties and limitation of liability

We do not give any guarantees or warranties in respect of this Site and in so far as allowed by applicable law, exclude all implied warranties. In particular, this Site is provided on an "as is, as available" basis and we do not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of this Site or any of its content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.

We will not be liable to you, the end-user or any third party for any direct or indirect, special, incidental or consequential damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, delict, tort or otherwise from your use of or inability to use this Site for any reason or any content or any website linked to this Site or the materials or information contained and displayed at any or all such sites or from action taken (or not taken) as a result of using this Site or any content or any website linked to this Site or the materials or information contained at any or all such websites.

Any exclusions, limitations or restrictions of liability contained in these Rules of Use shall be subject to the qualification that nothing contained in any such exclusion or limitation or restriction of liability shall operate to exclude or restrict our duty or liability to any person which it has under the Financial Services and Markets Act 2000 (as amended from time to time).

Nothing in these Rules of Use shall limit or exclude our liability to you in respect of (i) death or personal injury; (ii) fraud including, without limitation, fraudulent misrepresentation; or (iii) liability which may not otherwise be lawfully limited or excluded.

Acceptable use policy

You will not post or transmit any statement or material while accessing or using this Site that is unlawful, obscene, indecent, libellous, pornographic, offensive, defamatory, threatening, abusive, libel to incite racial hatred, discriminatory, menacing, threatening, scandalous, in breach of confidence, in breach of privacy or that would be considered a criminal offence, give rise to civil liability or otherwise be contrary to the law of, or infringe the rights of any third party enforceable in, any part of the United Kingdom or elsewhere.

You are liable for any posting on or transmission to this Site by you and we accept no responsibility and/or liability in relation thereto.

Viruses, hacking and other offences

We and our related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this Site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this Site are published on the strict condition that you, the user, assume all risk of use and we hereby exclude liability for all and any consequences of your use of such files or programs. We recommend that you use your own virus protection software.

You will not transmit any technically harmful postings or transmissions to or through this Site (which shall include but not be limited to computer viruses, logic bombs, Trojan horses, worms, harmful components, corruptive data or other malicious software or harmful data) or engage in other practices of misuse (which shall include but not be limited to hacking).

We do not accept any liability for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may adversely affect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it.

Unaffiliated websites

This Site contains links to other websites or web pages either directly or through frames and, where possible, we will make it clear where such links are being made. Links to third party websites or web pages on this Site are provided solely as a convenience to you. If you use these links you will leave this Site. We have not reviewed all of these third party sites and do not control, are not responsible and shall have no liability for any of such sites, their availability or their content. Accordingly, we do not endorse or make any representations about them or any products, services, information or materials on such third party sites or any results that may be obtained by using them. If you decide to access any third party sites which are linked to from this Site you do this entirely at your own risk. Please advise us immediately if you consider any link pages to be inappropriate, illegal or offensive.

Linking

You may link to this Site provided that you do so in a way that is fair and legal and does not damage or take advantage of our reputation.

You must not establish a link:

  • in such a way as to suggest any form of association, approval or endorsement on our part where none exists; and/or
  • to the Site in any website that is not owned by you.

You agree that you will not frame the Site on any other website or create any hypertext links between it and any third party website, in each case without our prior written consent and after entering into such agreement as we may require.

We reserve the right to withdraw linking permission without notice.

Enforceability

Should any of these Rules of Use be held to be unenforceable the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect. If we fail to exercise any right or remedy available under the Rules of Use such failure does not constitute a waiver of that right or remedy.

Independent legal advice

We recommend that you seek independent advice before acting on any information contained or displayed on this Site or refraining from acting on the basis of any information contained or displayed on this Site. In particular, the information contained or displayed on this Site does not constitute any form of invitation, inducement, advice, recommendation, or arrangement by us. Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation on this Site. Nothing on this Site is intended to constitute an offer or solicitation of banking, financial, investment or insurance services or to buy or sell other products or services. Any arrangements made between you and any third parties named on this Site are at your sole risk and responsibility.

Other Important Information

The information, and any opinion contained in this Site does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.

The information contained on this Site is subject to, and must be read in conjunction with, all other publicly available information, including, where relevant any disclosure document with further detail published by us. Any person at any time acquiring the securities must do so only on the basis of that person's own judgement as to the merits of the suitability of the securities for its purposes and only on such information as is contained in such public information having taken all such professional or other advice as it considers necessary or appropriate in the circumstances and not in reliance on the information contained herein. The information is not tailored for any particular investor and does not constitute individual investment advice.

Information on this Site relating to the price at which investments have been bought or sold in the past or the yield on investments cannot be relied upon as a guide to future performance.

The financial information published or to be published on this Site, or made available or to be made available through this Site, such as annual reports and quarterly reports, is compiled and placed on this Site with the greatest of care. Nevertheless, only the original hard-copy English versions of this information shall be regarded as the original version. No rights may be derived from financial information published or to be published on this Site, or available or to be made available through this Site, including with regard to its accuracy and completeness.

In addition, it should be noted that the annual report and accounts of the Group which are published on this Site or made available through this Site, may be subject to adoption by the Annual General Meeting of Shareholders of the Group for the year to which the report and accounts relate.

Governing law

Any visitor to this Site agrees that the use of this Site and the terms that are applicable are governed by the laws of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales.

The information appearing on this Site, including any products or services described on this Site have been prepared in accordance with and are subject to the laws of England and Wales. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than the United Kingdom and should not be relied on by people of any country other than the United Kingdom. If you choose to access the information on this Site from outside the United Kingdom, it is your responsibility to comply with the applicable local national or international laws and the use of the Site is entirely at your own risk. Please contact your legal advisor for guidance relating to your specific situation.

Privacy and security policy ("Privacy Policy")

Virgin Money UK PLC ("We", "us" or "our") are committed to protecting and respecting your privacy. References to "you" or "your" are references to any person accessing this internet site (www.virginmoneyukplc.com) (the "Site").

This Privacy Policy (together with our Rules of Use and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting the Site you are accepting and consenting to the practices described in this Privacy Policy.

Virgin Money UK PLC is registered in England and Wales under the company number: 09595911, and has its registered office at 1 Bamburgh, Jubilee House, Newcastle upon Tyne, NE3 4PL

Clydesdale Bank PLC, which trades as Clydesdale Bank, Yorkshire Bank, B and Virgin Money, is registered in Scotland under the company number: SC001111, and has its registered office at 30 St Vincent Place, Glasgow, G1 2HL.

Clydesdale Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121873. The VAT number of Clydesdale Bank PLC is 261377066.

Please note: this Site is the website for Virgin Money UK PLC which is the holding company of Clydesdale Bank PLC and the Group. If you wish to access the banking and financial services of Clydesdale Bank, Yorkshire Bank, B or Virgin Money www.cbonline.co.uk, www.ybonline.co.uk or www.virginmoney.com.

Virgin Money UK PLC is a “data controller”. This means that we are responsible for deciding how we hold and use personal information about you. We are required under data protection legislation to notify you of the information contained in this privacy notice.

The kind of information we hold about you

We will collect, store, and use the following categories of personal information about you which can be used to identify an individual:

  • Personal contact details such as name, title, addresses, telephone numbers and personal email addresses.
  • We will not use any other or special categories of personal data but we may collect additional personal data not listed above and you will be notified of any such requirement before you are asked for this personal data.

How is your personal information collected?

We collect personal information about you from you when you provide this information during your registration on this website or if you accept the use of cookies as detailed in our cookie policy, which you can find at the bottom of this page.

Situations in which we will use your personal information

We will use your information for the reason you register or request on this website. This can include providing you with news updates and for any other reasons you have requested. Telephone calls to the numbers detailed on this Site may be recorded or monitored. This is for your security, monitoring purposes and with the aim of improving service and for staff training. If you do not register your details on this Site, personal information about you will not be collected by us unless you give us this voluntarily in order to process a specific request or unless you consent to the use of cookies.

Data sharing

We may share your personal information to fulfil regulatory obligations of Virgin Money UK PLC. We may share your information with other companies in our Group. Please refer to the section above entitled 'Information about Virgin Money UK PLC and the Group' for what we mean when we say 'Group'. We may share your data with third party in order to provide requested information. We will take all reasonable steps necessary to make sure your information is protected to UK standards if we transfer outside of the EEA if you are a European citizen. This may be through having recognised safeguards in place with our commercial partners, such as using standard terms in the contracts we have with them that impose high standards for the protection of information or where our commercial partner is a signatory to a recognised and binding code of conduct.

How we use your personal information?

We need the information above to allow us to provide you with media releases relating to the Group or to provide services to you. Where you want to, we may use your personal data to facilitate further discussions relating to the subject matter of a media release. The legal basis for this processing is the pursuit of the legitimate interests of the Group. The personal data we process may be disclosed to one or more of our regulators. In addition, we may use this information to help manage our business, prevent financial crime and fraud, administer your relationship with us and to improve our services and systems.

Data retention

We will only retain your personal information for as long as is required. We shall normally retain your personal data for a specified period as per our legal obligations. We will process your personal information as required during this period. Please contact the Data Protection Officer on the contact details below if you require any additional information.

Rights of access, rectification, erasure, and restriction

Under certain circumstances, by law you have the right to:

  • Request access to your personal information (commonly known as a "data subject access request"). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
  • Request rectification of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
  • Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
  • Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
  • Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
  • Request the transfer of your personal information to another party.
  • Be informed how your data is being processed.

We have appointed a Data Protection Officer (DPO) to oversee compliance with this privacy notice. If you have any questions about this privacy notice or how we handle your personal information, please contact the DPO on CYBG.data.protection.officer.queries@cybg.com. You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues.

For any other enquiries, please see the contact details on the following link: www.virginmoneyukplc.com/investor-relations

Use of cookies

For more information of the types of cookies we use, see our Cookie Policy page.

Changes

As a result of improvements we make to our services, amendments to laws or regulation or developments in the technology or processes we use, we may change the information we hold about you and/or the way in which or the purposes for which we process such information. Where we require your consent to such change we will notify you of the change. However, unless you inform us otherwise, we will deem your continued receipt of information, products and/or services to which the change relates to constitute your consent to the relevant change.

Our legal and privacy policies were last updated on 31st October 2019. Any changes we may make to our legal and privacy policies will be posted on this page and, where appropriate, notified to you. Please check back frequently to see any updates or changes to our legal and privacy policies.