Important Legal Notice

Company details and regulation

Standard Life Bank Limited is a company registered in Scotland (number SC173685). Registered Office: Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH. Standard Life Bank Limited is a wholly owned subsidiary of The Standard Life Assurance Company and is a member of the Standard Life group of companies.

Standard Life Bank VAT number: 270 3474 69

Standard Life Bank Limited is registered by the Financial Services Authority (registered number 187878).

Telephone calls may be monitored and recorded to help us improve customer service.

ISA information is issued by Standard Life Bank Limited* on behalf of Standard Life Savings Limited*, the ISA Manager, registered in Scotland (number SC180203. Registered Office: Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH.

* Authorised and regulated by the Financial Services Authority.

Standard Life Bank Ltd is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000 which protects customers if a bank goes out of business. Compensation payments under the Scheme amount to 100% of a depositor's first £2,000 deposited and 90% of the next £33,000 deposited, subject to a maximum payment to any one depositor of £31,700. Most depositors, including individuals and small firms are covered. Further details of the Scheme are available on request.

Please note that certain Standard Life group companies are regulated for the conduct of life assurance and investment business in the United Kingdom and the individual regulator involved will be shown on the relevant page. Any reference to "Standard Life Bank" within the pages of this site shall be taken to mean "Standard Life Bank Limited" and any reference to "Standard Life" shall be taken to mean "The Standard Life Assurance Company", unless otherwise indicated.

Residence

The pages of this site are prepared and issued in the United Kingdom (UK) and are intended for the information/use of UK residents in relation to UK products or customers who were resident in the UK when they took out their UK products.

General disclaimers and terms

Whilst Standard Life Bank has taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outwith our control.

Standard Life Bank accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these sites not being available at all times. Please note that when you click on any external site hypertext link, you will leave the Standard Life Bank site. Links to other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way.

Standard Life Bank reserves the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. Standard Life Bank make no warranty or representation that the pages of this site can be accessed at all times during our normal on-line banking hours. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

If you are in any doubt as to the accuracy and currency of any information contained within the pages of this site, or if you require any further information, you may wish to contact us directly or take independent financial advice.

By accessing these pages, you shall be deemed to have accepted and agree to be bound by the terms of this Important Legal Notice, which shall be governed by the law of Scotland.

Advice

Nothing on the pages of this site shall be deemed to constitute financial or other professional advice in any way and you should consult your independent financial adviser or other professional adviser if you require any financial or other professional advice.

Copyright and trade mark

Copyright © Standard Life Bank Limited 2000 - 2004. All rights reserved.
Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement is owned by Standard Life Bank Limited unless otherwise indicated.

The Standard Life Bank logo and Freestyle are registered trademarks of Standard Life Bank Limited. Futureperfect is a registered trademark of The Standard Life Assurance Company. Standard Life Bank Limited and The Standard Life Assurance Company may also claim trade mark and service mark rights in other marks contained within the pages of this site.

Reproduction of these pages in whole or in part without the prior written consent of Standard Life Bank Limited is strictly prohibited unless for private, non-commercial viewing purposes.

E-mail

Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private or unaltered during internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and a denial of service attack.

Downloads

Please note that any software is downloaded at your own risk. Standard Life Bank does not warrant the suitability of any such software which is downloaded and accepts no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

Data Protection - Use of Personal Data

Any personal information provided to us will be used by us to process your application for registration, verify your identity and set up security procedures to enable you to access and use the pages of this site. We will only use cookies for session management purposes to validate the user and control timeout activity. We will not disclose information about you to any third party without your prior consent except where we are required to do so by law. We may appoint a third party to process personal information on our behalf. Where this is necessary, we will put in place safeguards such as contract terms to protect your confidentiality.

A list of the purposes for which we hold personal information and a description of the general categories of parties to whom we may disclose it is in the Data Protection Register.

Standard Life Bank use the RedSheriff Measurement auditing system on this website to allow us to make informed decisions that will help us to improve the service we offer to our customers. For details of RedSheriff and their privacy statement just visit their site at www.redsheriff.com

Standard Life Bank may use third-party advertising companies to place advertisements about our products and services on other websites. The advertising companies may use cookies to measure advertising effectiveness and offer selective ad content. The advertising companies may use anonymous information about your visits to our and other websites, but nothing that personally identifies you.

You may have the right under the Data Protection Act 1998 to request a copy of the personal data which we hold about you. We reserve the right to charge the maximum fee payable in terms of the Data Protection Act 1998. You may also have the right to have inaccurate data corrected.

First Independent Direct is authorised and regulated by the Financial Services Authority.
Our FSA Membership Number is 186822
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