Legal

1. The information, services and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.

2. This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read "important information". This important information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

3. While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

4. Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

5. Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.

6. This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website . We cannot be liable for any loss or damage which may arise from the use of such third party websites.

7. By agreeing to be bound by these terms and conditions, you are consenting to us collecting and storing certain personal data about you. This data will be used to provide the service applied for and may be stored by The Royal Bank of Scotland Group to keep you informed of products and services which may be of interest to you. This data will not be used other than in the normal course of our business. If you do not wish to receive such information, all you need to do is write to let us know. If you wish to receive details of personal data held about you by us, you may write to request this - there is a fee for this service.

8. © All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

9. This website contains numerous trademarks belonging to Ulster Bank Limited and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of trademarks. If you are in doubt as to whether an item is a trademark of Ulster Bank Limited or a member of The Royal Bank of Scotland Group, please contact us for clarification at the address below.

10. The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

11. Ulster Bank Limited. Registered in Northern Ireland (Registered Number R733), Registered Office: 11-16 Donegall Square East, Belfast, BT1 5UB. Authorised and regulated by the Financial Services Authority. Ulster Bank Limited is entered on the FSA's Register and its Register number is 122315. The FSA's Register can be accessed at www.fsa.gov.uk/register.

12. The VAT number of Ulster Bank Limited is GB243852752.

13. Information on The Financial Services Compensation Scheme can be viewed here.

14. Ulster Bank subscribes to the Lending Code. The Code can be found at www.lendingstandardsboard.org.uk.

15. If you are not satisfied with any of Ulster Bank's products or services we have a complaint handling procedure that you can use to resolve such matters. A leaflet giving details of the procedure can be obtained from any of our branches or by telephoning the bank. The bank is a member of The Financial Ombudsman Service. If you are still not satisfied after following the bank's procedures, you can ask the Ombudsman to review the complaint.
You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning the Bank. Alternatively you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.

16. We have a legal obligation to ask all new account holders for acceptable identification and separate verification of your current permanent address before opening an account. If you are unable to provide any of the above please contact a member of staff.

17. The terms and conditions of use of this website are governed by the laws of Northern Ireland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of Northern Ireland.

18. The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

19. In order to maintain the highest levels of service, we may record and monitor telephone calls.

20. In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, The Royal Bank of Scotland Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but is not limited to, viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security policies.

21. Ulster Bank Limited. Registered in Northern Ireland. Registration Number R733. Registered Office: 11-16 Donegall Square East, Belfast BT1 5UB. Member of The Royal Bank of Scotland Group.

22. Ulster Bank Limited, telephone 028 9027 6000*.

*Max call charge from a BT landline is 7p plus up to 2p per minute. Calls from other networks may vary. Correct as at 15th October 2008.