Wesleyan Bank full legal information

Disclaimer

Please read this information carefully

Access to this website and use of it is confirmation that you have read and understood these terms and conditions and agreed to be bound by them and any other guidelines or rules applicable to any of our services that may be posted or referred to in this website from time to time.

Whilst Wesleyan Assurance Society uses all reasonable efforts to ensure that information contained in this website is accurate, up to date, and complete at the date of publication, no representations or warranties (express or implied) are made as to the accuracy, reliability or completeness of such information.

Wesleyan Assurance Society and its subsidiary companies cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information in this website.

The information published on this website is provided as a convenience to visitors and should be used for information purposes only. It is subject to change without notice. If you have any queries, please contact us.

• Company Details
• General Information about the regulations of financial services
• Complaints Procedure
• Reliance on information in this website
• Intellectual property
• Applicable law
• Wesleyan Bank privacy policy
• Responsible Lending
• Money laundering
• E-mail
• Responsibility for customer confidentiality
• Web Accessibility
• Wesleyan Bank Online

Company details 

Wesleyan Bank Ltd, PO Box 3420, Colmore Circus, Birmingham B4 6AE. Telephone: 0800 358 1122. Fax: 0121 200 9345. Wesleyan Bank Ltd is authorised and regulated by the Financial Services Authority (Registered in England No. 2839202, FSA Register No. 165116) and can provide introductions to Wesleyan Financial Services Ltd. Wesleyan Bank Ltd is a subsidiary of Wesleyan Assurance Society (founded in 1841). Please note all telephone calls to Wesleyan Bank will be recorded for training and monitoring purposes.

Wesleyan Bank Ltd is a member of the Financial Services Compensation Scheme established under the Financial Services and Marketing Act 2000. In respect of deposits with a UK office, payments under the scheme are limited to 100% of the first £35,000 of a depositor's total deposits with the bank. Most depositors, including individuals and small firms are covered.

The scheme covers deposits made with the offices of the bank within the European Economic Area and deposits denominated in all currencies are treated alike. Further details of the scheme are available upon request. Wesleyan Bank PO Box 3420 Colmore Circus Birmingham B4 6AE Telephone: 0800 358 1122.

Wesleyan Bank Ltd. subscribes to the Banking Code and is a member of the Financial Ombudsman Service. Copies of the Banking Code can be obtained from ourselves or online from the link provided. For details of the Financial Ombudsman Service please use the above link.

Travel Insurance is arranged by Wesleyan Financial Services Ltd, a wholly owned subsidiary of Wesleyan Assurance Society. Wesleyan Financial Services Ltd are authorised and regulated by the Financial Services Authority (Registered in England No.1651212, FSA Register No. 134753). 

Payment Protection Insurance
Teachers Loan Cover (TLC) is our payment protection insurance. Accident and Sickness and Unemployment Cover arranged with UK Underwriting Limited on behalf of AXA Insurance UK plc. Life cover arranged with Compass Underwriting Limited on behalf of Sterling Life Limited.

Sterling Life Limited is a private company limited by shares incorporated in England under registered number 911235, registered office Ambassador House, Paradise Road, Richmond-upon-Thames, Surrey TW9 1SQ. It is authorised and regulated by the FSA, register number 202178. Sterling Life Limited is a wholly owned subsidiary of Sterling Insurance Group Limited.

AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. AXA Insurance UK plc appears in the Financial Services Authority’s (FSA) Register. The FSA register number for AXA Insurance UK plc is 202312. AXA Insurance UK plc is a private company limited by shares incorporated in England under registered number.78950. Registered Office: 5 Old Broad Street, London EC2N 1AD.

Compass Underwriting Limited is authorised and regulated by the Financial Services Authority under register number 304908. Compass Underwriting Limited is a private company limited by shares incorporated in England under registered number 3332314.

UK Underwriting Limited is authorised and regulated by the Financial Services Authority. UK Underwriting Limited appears in the Financial Services Authority’s (FSA) Register. The FSA register number for UK Underwriting Limited is: 310101. UK Underwriting Limited is a private company limited by shares incorporated in England under registered number 04506493. Registered Office: 10 King William Street, London EC4N 7TW.

General Information about the regulations of financial services

General information about financial services is available from the Financial Services Authority (FSA). The FSA is an independent watchdog set up by the Government to regulate certain financial services and products to protect your rights. It provides free and independent information about financial matters on its website. The FSA Register is a public record of financial services firms, individuals and other bodies, which fall under its regulatory jurisdiction as defined in the Financial Services & Markets Act 2000 (FSMA).

To become a member of Wesleyan Assurance Society, please refer to the Wesleyan's Rules on Membership. Please note that purchasing a product from the Wesleyan does not necessarily confer membership.

Complaints Procedure

If you would like to comment or complain about any aspect of Wesleyan Bank's business or services, please contact the Banking Customer Services Manager on 0800 358 1122, and we will endeavour to resolve the issue for you. If you are still not satisfied with our response you may wish to take your complaint to the Financial Ombudsman Service. In order to contact the Financial Ombudsman Service, you should write to them at South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone them on 0845 080 1800, e-mail them at complaint.info@financial-ombudsman.org.uk or visit their website.

Reliance on information in this website

We have taken reasonable care to ensure that the information contained in this website is accurate, complete and up-to-date. However, please bear in mind that all information on this site is being supplied free of charge and that information has not been tailored for your particular requirements. Therefore, we cannot give any warranty or representation as to its accuracy, completeness or reliability and we cannot accept any liability for any loss you may incur as a result of relying on that information.

Unless clearly indicated on this website, the published information is not intended to constitute any offer by us to enter into a contract with you. Any contract that we do enter into with you will be on the terms of our standard business conditions and/or the specific terms and conditions relating to the product concerned, which are available upon request.

We reserve the right to make amendments and changes to the information on this website or to these terms and conditions at any time without notice. Any amendments will be posted on the website and will be effective immediately. Your use of the website after the amendments have been posted will signify that you agree to be bound by the revisions.

We have included links to other websites for your convenience. By giving access to such links we are not making any statement, warranty or representation as to the quality or content of any third party site.

You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is free from viruses. This applies to any software loaded from this website so please virus check all software loaded from this website and check it is compatible with your computer. We do not warrant that this website is free from errors, defects or viruses.

Intellectual property

Please note that the entire content, layout and the code of this website is the property of Wesleyan Assurance Society and is protected by copyright.

We are happy for you to download or print off copies of the contents of this site for your personal use and information only provided that you retain this copyright notice. Otherwise, you may not reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without obtaining the prior written permission of Wesleyan Assurance Society. 

Please note that we are not the owner of copyright in other websites to which this site may be linked and that you should check those websites before copying any materials from them.

Please note that the trademarks, logos, brands and service marks displayed on this website are the property of Wesleyan Assurance Society and may not be used without our express permission.

Applicable law

The applicable law governing the contents and use of this website and any disputes arising from it is English law and any disputes arising from use of this website shall be subject to the exclusive jurisdiction of the English courts.

This website is intended for use by UK citizens only. This website is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.

Wesleyan Bank privacy policy

How we use your information
We are committed to protecting the privacy of all visitors to this website. Any information you provide and which we store will only be used in the following ways:

• To give you the service(s) you have requested as efficiently as possible.
• For research and analysis purposes.
• To give you information when you visit our website of relevant promotions, offers or information that might be of interest to you.
• To contact you by telephone, post or email, from time to time, about financial and other products and services offered by the Wesleyan Group and it's subsidiary companies whom we feel may be of interest to you.

Your IP address (this is your computers individual identification number for internet connection) is automatically logged by our webserver. This is only used to note your visit to our website.

On this website we use Sitestat, a product of Nedstat, to measure and analyse information with respect to visits to our website. To that effect we use your IP-address to collect, among other things, internet traffic data and data regarding your browser type and computer.

In addition cookies are used. A cookie is a small file that is stored on your computer when you visit a website. If you visit the website again, it is recognised as a repeat visit by means of the cookie. The cookie contains merely a unique number and therefore no personal data.

The cookie cannot be used to identify you on websites of third parties, including Nedstat. It is possible to configure your web browser to refuse cookies or to be informed if a cookie is set. We refer to the manual of your web browser.

We will not use the IP-addresses or cookies to identify you personally.
We use the services of Nedstat in order to increase the efficiency of our website.

If you prefer not to be contacted by telephone, post or email about other products or services, please use the opt-out facility available on any of the contact forms on our website. At any time you can request us to stop sending you marketing material. This can be done by contacting us on 0800 358 1122, or write to: Wesleyan Bank Ltd, FREEPOST BM 3420, Birmingham B4 6AE. Remember, however, that opting out will stop us contacting you about any of our products or services that may benefit you.

Wesleyan Bank Limited is part of the Wesleyan Group. The Wesleyan Group is a group of Companies wholly owned by Wesleyan Assurance Society. In order to ensure that we and any other companies you deal with within the Wesleyan Group can provide you with a fully integrated service, we will need to disclose details about you and your accounts to other companies within the Wesleyan Group. We may also need to disclose your information to other service providers or carefully selected third parties for these purposes. If you are a joint applicant the Wesleyan may also disclose your information where necessary to other joint applicant(s). We will use your information to open and administer your account and for other business purposes, including making any inquiries that we consider necessary to confirm your identity when considering your application, operating your account, or making credit decisions. We may make searches against your name at licensed credit reference agencies.

The information you provide will only be disclosed outside the Wesleyan Group and its associated subsidiaries in the following circumstances, for the purpose of fraud prevention or where there is a legal or regulatory obligation to do so, to carefully selected third parties for processing purposes, for example to our agents or subcontractors for operational reasons or to our affinity partners if you have an affinity product, to licensed credit reference agencies as set out below, at your request or with your consent where you have provided your agreement.

All telephone calls to Wesleyan Bank are recorded to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes

Whilst we take all reasonable precautions and security measures to protect your personal data, we cannot be held responsible for and therefore exclude any liability for loss or misuse of personal data, which is intercepted or otherwise accessed by unauthorised persons.

The use of your personal information is covered by the registration of Wesleyan Bank under the Data Protection Act 1998. Under the terms of this Act you have the right to obtain from us a copy of all the information we hold about you, upon payment of an appropriate fee. If you see inaccurate data, please let us know so that it can be corrected. Our purposes for holding personal information and a description of the general categories of parties to whom we can disclose it can be found in the Data Protection Register.

By using our website you agree to the collection and processing of the information that you supply. Any changes to our Privacy Policy will be posted on this page so that you are always kept informed of what information we collect and how we use it.

Responsible Lending

Personal Loans are provided by Wesleyan Bank Limited and are regulated by the Consumer Credit Act 1974. Written quotations are available on request from Wesleyan Bank Limited, PO Box 3420, Colmore Circus, Birmingham B4 6AE. Credit facilities are subject to status and not available to anyone under 18 years of age. Wesleyan Bank reserves the right to decline any application.

Wesleyan Bank is a responsible lender. We will check and appraise the financial circumstances of your application carefully and make any credit reference, fraud or other enquiries we consider appropriate.

If you submit an application form you will be consenting to these responsible lending practices. We may need to talk to you about your requirements in more detail. It is important that you do not take on more borrowing than you can afford. If you apply for a loan with us you will be agreeing to these responsible lending practices.

We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we, credit reference and fraud prevention agencies will use your information is detailed in the leaflet called A guide to the use of your personal information by Wesleyan Bank and Credit Reference and Fraud Prevention Agencies, please download (can be found at the bottom of this page) this document or you can contact us on 0800 358 1122, or write to us at: Wesleyan Bank Ltd, FREEPOST BM 3420, Birmingham B4 6AE.

When you apply to us for a credit-based product, the details you provide, the information we already have and information from credit reference agencies are used to assess credit risk using a technique called 'credit scoring'. Various factors in all these details help us to assess the risk. A score is given to each factor and a total credit score obtained. If your score is above a confidential pre-set pass score, the application is likely to succeed.

Credit reference and fraud prevention agencies will maintain a record of our search including whether you have given us false or inaccurate information or we suspect fraud. These enquiries depend on our submitting loan account information on a regular basis to licensed credit reference and fraud prevention agencies to be shared with other lenders and insurers in assessing applications for credit and all types of insurance from you and other members of your household and to prevent fraud and money laundering.

A link between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a disassociation at the credit reference agencies.

You have a right of access to your information held by credit reference agencies on payment of a fee. We mainly use Experian Limited. The agency’s address is: Experian Ltd, Consumer Help Service, PO Box 8000, Nottingham NG1 5GX, or visit their website at www.experian.co.uk

If you have been refused credit you can get advice from your local Trading Standards Department, Citizens Advice Bureau or Consumer Advice Centre. The Information Commissioner’s Office also produces a useful leaflet entitled ‘Credit Explained', you can obtain a free copy on the Commissioner's website www.ico.gov.uk or by telephoning 01625 545745.

Money laundering

Like other financial organisations, we are legally obliged to collect and record information confirming customer identity and report details of suspicious transactions to the Serious Organised Crime Agency (SOCA). 

E-mail

If you e-mail us, or give us your e-mail address, we will keep a record of it for administrative purposes. We will not use it or pass it to any unauthorised third parties for research and marketing purposes, unless you have provided specific consent for us to use it in this manner.

In order for us to be able to use e-mail for marketing purpose, you must have provided specific consent within the contact details section.

If you send us an e-mail, remember that it will be "insecure" and could be intercepted. If you do send us "insecure" e-mail, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply.

We operate a content analysis system on all incoming e-mails. As a result, your message might be quarantined and/or deleted automatically, we apologise if this causes any inconvenience, however, we hope you can appreciate we need to reduce spam and malicious e-mails that may be received.

Responsibility for customer confidentiality
Each employee is personally responsible for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations. Our policies and procedures that support our Privacy Principles are regularly audited and reviewed.

Web Accessibility

We have used our knowledge and understanding of how different people access the Internet to develop a website that is clear and simple for everybody to use. If you find there are any problems with this website, please let us know.

Validation
We have used the XHTML 1.0 and CSS specifications created by the W3C, as we believe that usability and accessibility must have a solid foundation.

We have also endeavoured to achieve AA accessibility as measured against version 1.0 of the WCAG. We are aware however, that a number of the checkpoints of the WCAG are subjective - and although we are sure that we have met them squarely, there may be instances where interpretation may vary.

Access keys
The following access keys are available on each page of this website:

1 - Skip to content
2 - Skip to navigation bar
3 - Skip to other page functionality
Instructions on how to use these access keys in the different website browsers:

Internet Explorer 5+ (Windows)

Hold down the Alt key, press the access key, release both keys then press ENTER.

Firefox, Mozilla and Netscape 7+ (Windows)
Hold down the Alt key and press the access key.

Firefox, Mozilla and Netscape 7+ (Mac OS X)
Hold down the Ctrl key and press the access key.

Safari and Omniweb (Mac OS X)
Hold down the Ctrl key and press the access key.

Konqueror (Linux)
Hold down the Ctrl key and press the access key.

Internet Explorer 4 (Windows)
Hold down the Alt key and press the access key.

Internet Explorer 5+ (Mac)
Hold down the Ctrl key and press the access key.

Font size
To increase or decrease the font please click on the view menu In Internet Explorer and change the text size.

Screen resolution and other issues
This website has been designed to be best viewed in 1024 x 768 screen resolution.

To change the screen resolution in Internet Explorer on your computer, open ‘Display’ properties and click on the ‘Settings’ option. Draw the sliding ‘Desktop Area’ scale to 1024 x 768 or higher.

The use of Flash is kept to a minimum to aid the ease of navigation throughout the site.

You will need Netscape 4.0 (or higher) or Internet Explorer 4.0 (or higher) to view this site.

We have included links to other websites for your convenience. By giving access to such links we are not making any statement, warranty or representation as to the quality or contents of the other site as we do not have responsibility for that other site.

You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is free from viruses.

This applies to any software downloaded from this website so please virus check and check compatibility with your computer. We do not warrant that this website is free from errors, defects or viruses.

Wesleyan Bank Online Service

 
These Terms and Conditions for our computer banking services form part of the Wesleyan Bank General Terms and Conditions and are shown below for your information. They explain our obligations to you and your obligations to us; and apply to all the accounts you have with us and the services we provide in connection with your accounts.

The procedures you must follow for our computer banking services are contained in the user guidance we give you in any form including electronic help texts.

The service is available for use from within the UK only. If you use our computer banking service outside the UK you do so at your own risk, as it may constitute an offence in that country.

The service is for use with personal accounts only and not for business purposes or clubs and unincorporated associations.

We will take reasonable care to ensure the security of and prevent unauthorised access to our computer banking services.

You must ensure your computer and modem comply with the standards and requirements we tell you from time to time; carry out your own virus checks; follow the procedures and instructions in the user guidance that we give you from time to time; do not attempt to change any software provided by us; do not copy or allow any third party to use or copy any software provided by us without our consent; tell us as soon as you can if you become aware of any failure, delay, malfunction or error in the sending or receiving of instructions or any suspected fraud.

When you access the service you must make sure that you are using your own computer or one which you have been given permission to use for the specific purpose of accessing the service, and no-one can see you do so, particularly if your computer is linked to a local area network.
You must always exit the service when leaving your computer unattended and must never let anyone else access the service with your customer security codes.

When you access the service you must ensure all the transactions and information you input are accurate. The records we maintain of any instructions you give us by computer will be final evidence of your instructions and of the time they are given except where there is an obvious mistake. You must not modify, delete or add to online data in any way.

We cannot guarantee the speed of the service or access to the service due to, for example, routine maintenance, or that the service will be free from interruption.

You must contact us immediately on the telephone number we give you if you become aware of an error or potential error in the service, or in any transaction resulting from any use of the service.

You should check your statements and the date and time of the last use of the service on a regular basis.

You agree that, in the event that you have asked us not to send you information about our products and services, we may, nevertheless, advertise our products and services on the website through which you access the service.