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Terms and Conditions of The Royal Bank of Scotland Direct
and Digital Banking Services.

Introduction

This Section applies to you if we have agreed that you may use our telephone and online banking services, which allow you to operate your account by telephone or by accessing our website.

The General Conditions in this Section explain your rights and responsibilities and those of The Royal Bank of Scotland plc regarding the use of The Royal Bank of Scotland telephone and online banking services.

If you do not hold a Royal Bank of Scotland credit card, then the Conditions which relate to credit cards will not apply to you.

Definitions

"We", "Us", "Our" means The Royal Bank of Scotland plc.
"You", "Your" for current and savings accounts means:

1. in the case of an individual, the customer who has an account(s) with us on which the Service is available. If you have a joint account, references in these Conditions to "you" include each of you together and separately; or
2. in the case of a limited company, any director, official and any other persons authorised by the customer to give instructions on the account(s); or
3. in the case of a partnership, the individual partners (in their separate capacities of partners and individuals) and any other persons authorised by the customer to give instructions on the account(s); or
4. in the case of a limited liability partnership, any member and any other person(s) authorised by the customer to give instructions on the account(s); or
5. in the case of a sole trader or professional practitioner, the customer who has the account(s) and any other person(s) authorised by the customer to give instructions on the account(s); or
6. in the case of a club, society or unincorporated body, any official and any other person(s) authorised by the customer to give instructions on the account(s); or
7. in the case of a trust, any trustee and any other person authorised by the trustees to give instructions on the account(s).

"You", "Your" for credit card accounts means the customer who has a credit card account with us.

"Security Details" means the identifying words, codes and numbers agreed between you and us that are used in the security procedure.

"Service" means The Royal Bank of Scotland telephone and online banking services when accessed using the telephone or internet.

Authority

1. You authorise us to accept and act on your instructions and to pay to and from your account(s) the amounts involved when the transaction has been authenticated by the use of the security procedure we require you to follow. You acknowledge and agree that this may be on an account that could otherwise only be operated by two or more persons.
2. If you have a joint account, we will act on the instructions of any one of you but you are each responsible for all transactions carried out and for the repayment of any borrowing which arises on your account.

Security Procedure

3. You must keep your Security Details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
4. You must not disclose your Security Details to any other person or record your Security Details in any way that may result in them becoming known to another person.
5. Please note that after initial registration or enrolment we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your Security Details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your Security Details to them in any circumstances. You should report any such requests to us immediately.
6. Where a transaction on the account is confirmed by use of the Security Details and the Service but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your Security Details secret, you have acted with reasonable care and in accordance with these Terms and Conditions, and you have not acted fraudulently.
7. If you suspect someone knows your Security Details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised payments on your account confirmed by use of the Security Details.
8. You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Service. In your own interests, you should not leave the device you are using to access the Service unattended while you are still logged onto our website.
9. Telephone calls may be recorded.

Transactions

10. Banking instructions received through the Service for your current and savings accounts by 6:30pm on any business day will normally be processed that day. (You will be advised at the time you send the instruction if the instruction cannot be processed that day but will be processed the next business day).
11. You are responsible for all transactions carried out using the Service and for repayment of any debt that arises from use of the Service.

Charges

12. We reserve the right to charge you and you agree to pay the charges which apply when you use the Service or any part of it.

Availability of the Service

13. While we will make reasonable efforts to provide the Service, we will not be liable for any failure to provide the Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Service.

Variation/Termination of the Service

14. We reserve the right to change the Service from time to time and shall give you notice of any material changes in accordance with the General Conditions as set out in 'Personal and Private Banking - Terms and Conditions'.
15. We may, suspend, withdraw or restrict the use of the Service or any part of the Service where:
    1. we have reasonable grounds to suspect that your Security Details have not been kept safe; or
    2. we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or
    3. as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or
    4. we consider it appropriate for your protection.

    Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards.

16. You may terminate your subscription to the Service by notifying us. The notification will not be effective until we receive it.

Your Information

Who we are

1. Your account is with The Royal Bank of Scotland plc.
2. We are a member of the Royal Bank of Scotland Group (the Group). For information about our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Minicom 0845 900 5960.

Your electronic information

3. If you contact us electronically, we may collect your electronic identifier, (e.g. Internet Protocol (IP) address or telephone number) supplied by your service provider.

How we use your information and who we share it with

4. We may use and share your information with other members of the Group to help us and them:
   • assess financial and insurance risks;
   • recover debt;
   • develop customer relationships, services and systems;
   • prevent and detect crime;

Your information includes information about your transactions.

5. We do not disclose your information to anyone outside the Group except:
   • where we have your permission; or
   • where we are required or permitted to do so by law; or
   • to other companies who provide a service to us or you; or
   • where we may transfer rights and obligations under this agreement.
6. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.
7. If you would like a copy of the information we hold about you, please write to:
   
   Current & Savings Accounts:
   The Data Protection Manager,
   The Royal Bank of Scotland plc,
   Retail Regulatory Risk,
   2nd Floor, Business House B,
   PO Box 1000,
   Edinburgh
   EH12 1HQ.
   
   Credit Cards:
   The Data Protection Officer,
   The Royal Bank of Scotland plc,
   Cards Customer Service,
   PO Box 5747,
   Southend-on-Sea,
   SS1 9AJ.
   
   A fee may be payable.

Credit reference and fraud prevention agencies.

• A link between you and anyone with whom you have a joint account or similar financial association will be recorded at credit reference agencies, creating a 'financial association'. All parties' information will be taken into account in future applications until one of you successfully files a 'notice of disassociation' at the credit reference agencies.
• We may make periodic searches of and provide information (including how you manage your account and any arrears) to, credit reference agencies, fraud prevention agencies and the Group to manage and take decisions about your account. Such information may be used by other credit providers to take decisions about you and your financial associates.
• If you would like a copy of your information held by the agencies we use, please contact them directly. Please see below for contact details. The agencies may charge a fee.
  
  
  • Equifax Plc,
    Credit File Advice Centre,
    P.O.Box 1140,
    Bradford,
    BD1 5US.
    www.equifax.co.uk
    
    
  • Consumer Services Team,
    Call Credit Plc,
    PO Box 491,
    Leeds,
    LS3 1WZ.
    www.callcredit.plc.uk
    
    
  • Experian Ltd,
    Consumer Help Service,
    P.O.Box 8000,
    Nottingham,
    NG80 7WF.
    t: 0870 241 6212.
    www.experian.co.uk

• Please also read our website terms and conditions which cover your use of this website