This site is intended for UK residents unless otherwise stated.
This is an English language site. All contracts will be in the English language only.
Halifax is a division of Bank of Scotland plc. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.
Copyright © 2014. All rights reserved.
Terms and Conditions
In these terms and conditions the following words have the following meanings:
We, us and our means Halifax, a division of Bank of Scotland plc.
You, your and yourself refer to the person who is using this website.
These terms and conditions apply to your use of this website.
You should read these terms and conditions ("terms") carefully before using this website
(which includes our cookies information page) where you will find details on how we use
"cookies" and the information you provide to us.
When you use this website you indicate to us that you accept these Terms and agree to comply
with them. If you do not, please do not use the website.
We may revise these Terms at any time and you should periodically check the website to review
the current Terms because they are binding on you when you use our website. Certain parts of
these Terms may be replaced by other legal notices we may provide you from time to time or
other terms and conditions located on particular pages of the website. These notices or other
terms will expressly set out if they replace these Terms.
Who can use this site
The products and services described on this website are only available to you if you are
resident in and access the site from within the UK (excluding Channel Islands and Isle of Man).
Certain areas of the website will only be open to you if you are one of our existing customers.
While we try to ensure that this website is available 24 hours a day, certain services provided
through the website may not be available 24 hours a day, and we shall not be liable if for any
reason the website is unavailable at any time. Your access to the website may be suspended
temporarily and without notice in the case of system failure, maintenance or repair or for reasons
beyond our control.
This website is here to give you information about particular products and services. It is up to you
to decide whether they are suitable for you. You may want to get advice about this from an independent
The information on the website may not tell you all you need to know, and you can ask us or an
independent financial advisor for more details.
Though we try and keep the information up to date, there may be a time delay before we can do so.
You should not rely solely on the information on this website. You should carefully review the terms
of any agreement you sign with us including checking the details about important things like price or
interest rates, as it is the terms in that document that form the agreement between you and us.
Copyrights, trademarks and copying materials on this site
All copyrights for this website and all trade marks, company names, logos and designs and other
materials used on it (except where other contributors are acknowledged) is our intellectual property
(or that of our affiliate Lloyds Banking Group companies or our licensors). You may use anything on
this website only for your personal information and for this purpose you may print, copy, download or
temporarily store extracts from this website. You must not alter or misuse any of this material in
any way. Any other use (including commercial uses) is prohibited unless you first get our written
permission or an appropriate licence. In particular, no part of the website may be reproduced or
stored in any other website or included in any public or private electronic retrieval system or
service without our prior written permission. If you breach any of these Terms, your permission to
use the website automatically terminates and you must immediately destroy any downloaded or printed
extracts from the website.
Exclusions of our legal liability
You should only use this website from the UK. The products and services on it are only available to
you if you are a UK resident.
You may not always be able to access this website. We are not responsible for any losses if you cannot
do so (for example if you cannot obtain a product at a stated price). We are not responsible if the means
of communication you use to access the website or to send us information about yourself or to receive
information from us does not work properly.
As we explained above, the information on this website may not always be quite up to date or complete. We
advise you to check the website carefully before you agree to buy a product or service, and we are not
responsible for any losses you suffer if you fail to do so unless what we put on the website was incorrect
or misleading (and provided the correct information was not provided to you or made available before you
completed your purchase).
We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our
reasonable control, which would have been unavoidable despite all efforts to the contrary, for example
delays or failures caused by industrial action, problems with another system or network, third party
viruses or malware, mechanical breakdown or data-processing failures.
Law and jurisdiction
This site and these Terms are governed by English law. Any disputes arising from this site shall be
resolved by the English courts unless you can show you accessed the site from Scotland in which case
the Scottish courts may be used and Scottish law may apply.
We strongly recommend that you print a copy of these conditions for your reference.