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Terms of use

Please ensure that you read this information with care before using this site as it specifies the terms and conditions ("Terms") which govern your use of and access to the site. We would recommend that you read this information each time you visit the site. By using and accessing any part of this site, you shall be deemed to have accepted these Terms in full, regardless of whether you chose to register with Virgin Money plc as a customer or not. If you do not accept these Terms, you should not use this website.

This website is owned by: Virgin Money plc ("Virgin Money", "we", "our", "us" or "the bank").

This page was last updated 07/08/2013.

The following provisions apply to the users of this site:

Audience

Virgin Money is a bank registered in the UK and the products on this site are only available in the UK.

This site complies with all appropriate UK legislation and although accessible by others, is to be used only by persons who access it from within the UK. The services and information appearing on the pages of this site are solely available to, and intended for use by, individuals resident in the UK Virgin Money makes no representations that information on this site is appropriate or available for use in any other locations. Users who access this site from other locations do so on their own initiative and risk.

No information on this site should be construed as a promotion or solicitation for any services, which is not authorised by the laws and regulations of your place of residence or domicile.

The bank does not accept deposits from US citizens domiciled in the United States or US residents. Bank deposits are not insured by Federal Deposit Insurance Corporation.

Contents

The content of this site is provided for general information purposes only and does not constitute financial, investment, legal, tax or other advice. Neither the information nor opinions expressed in this site constitute an offer to provide any product or service. These Terms are subject to change and update by Virgin Money from time to time without notification, with the exception of those areas regulated by the Financial Conduct Authority (FCA) and/or Prudential Regulation Authority (PRA) and Lending Code (see Lending Code below). Your continued access to, and/or use of, this site will constitute your acceptance of such changes. You should periodically revisit this page and these Terms and relevant pages on this site to review the current position as it is binding on you.

If you require more information about anything on this site, please contact one of our branches or one of our customer service advisors (see the "Contact Us" section of this site).

You agree that you will not use this site for any unlawful purpose or in breach of English law or any other law applicable to your use of the Internet.

Intellectual property rights

The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the site without our prior permission. However, you may print out part or all of the site for your own personal and non-commercial use.

Disclaimer

While Virgin Money has taken reasonable care to ensure that the information on this site is accurate, we give no warranties, representations or undertakings (express or implied) as to the accuracy and completeness of the material on the site. Opinions and any other contents at the site are provided by us for personal use and information purposes only and are subject to change without notice.

Exclusion of liability

Virgin Money is not responsible in any event including (without limitation) negligence for any losses of any kind, injury or damage, including (without limitation) direct or indirect, incidental, special or consequential damages, expenses or losses arising out of, or in connection with your use or inability to use this site, or in connection with any error, omission, defect, computer virus or system failure, or loss of any profit, goodwill or reputation, even if expressly advised of the possibility of such loss or damages, arising out of or in connection with the access or use of this site or linking to other sites from this site.

We do not exclude our duties or liabilities under the Financial Services and Markets Act 2000 or for any other liability which would cannot be excluded or limited under applicable law.

We reserve the right to modify, suspend or discontinue, temporarily or permanently, the site or any part of it, without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.

Third party products, services and websites

This site may from time to time refer to third party products and services. We do not warrant, and are not responsible for, the quality or availability of such products and services. We are not responsible for any direct of indirect loss you suffer in connection with the products or services of third parties which are featured on or linked to our site.

This site may provide links which lead to the websites of third parties, such links are not an endorsement by us of any products or services of such websites. You use such links entirely at your own risk. Virgin Money does not control these third party websites and does not accept any responsibility for the content, availability or operation of such sites. Virgin Money has not verified the truth or accuracy of such websites.

Any claim relating to any third party product, service or website must be made against the third party provider.

You or any third party are not permitted to link any other website to this site without Virgin Money's prior written consent.

Financial Services Compensation Scheme (FSCS)

Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered up to a maximum limit of £50,000 per person, per firm.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please call us on 0345 600 1568*, ask at your local Virgin Money Store, refer to the FSCS website www.FSCS.org.uk or call the FSCS on 0800 678 1100 or 0207 741 4100. Please note only compensation related queries should be directed to the FSCS.

*All lines are open Monday - Friday 8.00am - 8.00pm. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.

Regulatory supervision and compliance

Virgin Money plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority for deposit-taking; advising on and arranging mortgages and general insurance; and for introducing life assurance and investments. Virgin Money is entered in the Financial Services Register, number 503963. For more information visit www.fca.org.uk/register.

Complaints

Virgin Money plc operates an Internal Complaints Procedure. You can request a copy of the Guide to our Internal Complaints Procedure. This guide outlines our complaints handling procedures and the availability to customers of the Financial Ombudsman Service scheme, which provides for independent adjudication on any complaint which cannot be resolved through our Internal Complaints Procedure. Their contact details are as follows:

The Financial Ombudsman Service (FOS),
Exchange Tower
London
E14 9SR.

Helpline: 0800 023 4567 - Free for people phoning from a fixed line (for example, a landline at home) or 0300 123 9 123 - Free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02.

Switchboard: 020 7964 1000,

Website:www.financial-ombudsman.org.uk

The Standards of Lending Practice

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.uk

Your copy of the Statement of Lender and Borrower Responsibilities

Governing law

Use of this site is subject to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of these Terms. By accessing this site you agree to submit to the exclusive jurisdiction of the UK courts over all claims or disputes arising in relation to, out of, or in connection with this site and its use. If any provision of these Terms shall be held to be unlawful, void or unenforceable for any reason then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.

E-commerce Directive

Virgin Money complies with the Electronic Commerce Directive. The following applies to all transactions that are carried out with Virgin Money electronically.

Company name:Virgin Money plc
Company Registration Number:6952311 (registered in England and Wales)
Registered office:Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL
VAT Registration Number:665 5181 19

In accordance with the E-commerce Directive Virgin Money is required to make the following information available about itself, its products and its service:

The product provider is

Virgin Money plc,
Jubilee House,
Gosforth,
Newcastle upon Tyne
NE3 4PL

Contact email: customersupport@virginmoney.com

Virgin Money plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money plc is entered in the Financial Services Register, number 503963, for more information visit www.fca.org.uk/register.