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Terms & conditions governing your use of this website

This website is owned and maintained by Isle of Man Bank Limited ("IOMB"). The use of this website is subject to the following terms and conditions, which you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.

Products and services

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Use of Website

1 Whilst we make every effort to ensure that the information, including information based on statutes or other legislative or regulatory instruments, given in this website is up to date, it is not possible to guarantee that this is the case and so we shall not be liable for any loss resulting from reliance upon such information.

2 Levels and bases of tax referred to in this website are those applying under legislation in force at the time of writing the relevant article. These levels and bases may change, and the availability and value of any tax relief will depend on your individual circumstances. In providing this information we are not acting as tax advisers and we strongly recommend that you seek independent professional advice in appropriate circumstances. We shall not be liable for any loss resulting from reliance upon this information.

3 To the extent that statements contained in this website are based on information provided by third parties we shall not be liable for any loss resulting from reliance upon those statements.

4 Unless specifically stated otherwise, graphs and figures used are for illustrative and information purposes only and are not based on past or projected performance. They in no way represent projections of the anticipated or expected performance of relevant products.

5 This website is designed to be accessed through its principal 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 that is relevant to information on this website. You will be referred on certain site pages to read "Legal Information". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

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Exclusion of liability

6 These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

7 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under applicable laws, regulations and any conduct of business rules which we are bound to comply with.

8 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use in any jurisdiction where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

9 We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

10 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, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. 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.

11 To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of the The Royal Bank of Scotland Group) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

12 The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

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Personal Data

13 By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy.

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Copyright

14 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.

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Trade Marks

15 This web site contains trade marks belonging to IOMB and other companies in The Royal Bank of Scotland Group. No rights are granted in respect of any of the trade marks, whether registered or unregistered. If you are in doubt as to whether an item is a trade mark of IOMB or another member of The Royal Bank of Scotland Group, please contact us for clarification.

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Advice

16 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. In particular but without limitation, unless we expressly agree in writing, we do not hold ourselves out as providing advice on the suitability of accounts, products or services for you.

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Changes to this Website

17 The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally IOMB shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

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Telephone Calls

18 Calls may be recorded.

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Internet Communications

19 Customers of Isle of Man Bank are advised that National Westminster Bank plc ('NatWest plc') provide technology support to Isle of Man Bank's online banking service and this will enable NatWest plc in the UK to access your account data. In subscribing for this service, you consent to and authorise this access.

20 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, NatWest reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.

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Data Protection - Your information

Who we are

21 Your account is with Isle of Man Bank. 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 00 44 131 556 8555 or Textphone 0845 900 5960.

How we use your information and who we share it with

Your information comprises all the details we hold about you and your transactions, and includes information obtained from third parties. 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;
  • prevent and detect crime;
  • understand our customers' requirements;
  • develop and test products and services.

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 credit reference and fraud prevention agencies and other companies who provide a service to us or you; or
  • where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

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.

If you would like a copy of the information we hold about you, please write to your branch. A fee may be payable.

Credit reference agencies

We may make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can make decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • checking applications for, and managing credit of other facilities and recovering debt;
  • checking insurance proposals and claims;
  • checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries. We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of the information held by them. Please contact your Branch. The agencies may charge a fee.

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Complaints

22 If you are not satisfied with any of our products or services, we have a complaints procedure that you can use. A leaflet, giving details of the procedure, is available from your branch upon request.

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Governing law

23 The terms and conditions of use of this website are governed by the law of Isle of Man.

24 The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them.

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General details

25 Isle of Man Bank Limited (IOMB). Registered Company Number: 1 Isle of Man. Registered Office: 2 Athol Street, Douglas, Isle of Man, IM99 1AN. Licensed by the Financial Supervision Commission of the Isle of Man and registered with the Insurance and Pensions Authority in respect of general business.

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Miscellaneous

26 Internet e-mails are not necessarily secure as information might be intercepted, lost or destroyed. Please do not e-mail any account or other confidential information.

27 Our services are not offered to any person in any jurisdiction where their advertisement, offer or sale is restricted or prohibited by law or regulation or where we are not appropriately licensed.

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Products and services

Mobile Banking

The Mobile Phone Banking Service is supplied by Monitise Limited in association with Royal Bank of Scotland PLC. Applying for Mobile Phone Banking Service may enable other members of the RBS Group to access your account data and in subscribing for this service you consent to and authorise this access.

Deposit products, savings accounts and current accounts

Copies of our most recent audited accounts are available for inspection on request.

IOMB is a member of the Isle of Man Depositors' Compensation Scheme (DCS) as set out in the Depositors' Compensation Scheme Regulations 2010. Further details of the scheme are available on request.

IOMB is not an Authorised Person subject to the rules and regulations made under the UK Financial Services & Markets Act 2000, and therefore deposits made with branches, all of which are outside the UK, are not protected by those rules and regulations covered by the UK Financial Services Compensation Scheme.

As at 31 December 2011, the paid-up capital and reserves of IOMB exceeded £114 million. UK resident depositors may be subject to declaration and taxation of resulting income.

IOMB is a member of The Royal Bank of Scotland Group. The Royal Bank of Scotland plc - Registered in Scotland No 90312. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB. The Royal Bank of Scotland plc is authorised and regulated by the Financial Services Authority. The latest report and accounts are available at www.investors.rbs.com.

IOMB places funds with other parts of its Group and thus its financial standing is linked to the Group. Depositors may wish to form their own view on the financial standing of IOMB and the Group based on publicly available information. The latest report and accounts are available at www.iombank.com/financial-results.

UK resident depositors may be subject to declaration and taxation of resulting income.

AER stands for Annual Equivalent Rate and illustrates the interest rates as if paid and compounded each year.

The use of the word "Guaranteed" in relation to this product refers only to the ordinary contractual obligation of the bank to repay your capital in full upon maturity. Our products are not guaranteed by any other party and your rights to repayment upon liquidation of the bank are the same as for any other unsecured depositor of the Bank.

With currency accounts there is an exchange rate risk if the currency is not the depositor's reference currency.

Fixed deposit accounts may not be suitable if you require easy access to your funds or an income.

When you pay into your account at a NatWest branch in the United Kingdom, National Westminster Bank Plc (NWB) agrees to receive the money from you for transfer and credit to an account held by you with IOMB. NWB acts as your agent and, if IOMB is willing to accept the funds from you, the credit will be shown on your bank statement.

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Mortgages

At Isle of Man Bank we seek to understand all of our customers' financial needs and provide a full banking service. Therefore, in order to apply for a mortgage you must hold or open a current account with us. The main applicant’s salary must be paid into an account with Isle of Man Bank throughout the mortgage term, or, if earlier until retirement.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Over 18's only. Security required.

YOU SHOULD CHECK THAT EQUITY RELEASE AND BULLET REPAYMENT MORTGAGES WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

Please note that for mortgages with interest payments based upon variable rate terms there is a risk that the total sum payable under your mortgage increases significantly as rates rise.

Mortgages are available for United Kingdom properties in limited circumstances only and are not covered by the majority of the rules and regulations made under the UK Financial Services and Markets Act 2000. This means that the protection of those rules and regulations and of the UK Financial Services Compensation Scheme will not be available to borrowers.

Please note that whilst the examples quoted on this site are fictitious, the figures quoted are based on facts and can be fully supported by reference to bank records and / or statistics. Where monthly repayments are reduced by amalgamating debts it may be that those debts are repaid over a longer period and the total amount of interest paid thereon is consequently greater.

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Loans and Overdrafts

Credit facilities: Over 18s only

Security may be required.

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Credit cards

Credit cards are issued by National Westminster Bank plc. Registered office: 135 Bishopsgate, London, EC2M 3UR. Only available to over 18's. Conditions apply. Subject to status.

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Investment Products

Any investment advertisement in this website is issued by IOMB and, insofar as this advertisement is a financial promotion that requires to be approved for the purposes of Section 21(2)(b) of the UK Financial Services and Markets Act 2000, it has been so approved by Coutts & Co, which is authorised and regulated by the Financial Services Authority. IOMB is not an Authorised Person subject to the rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of investors, and compensation under the UK Financial Services Compensation Scheme will not be available.

Where tax-free benefits are mentioned in connection with life assurance or insurance-linked investments, the insurers would, if appropriate, have already paid tax on the fund.

The value of investments, and any income from them, can fall as well as rise and an investor might not receive back the amount invested. Past performance is not necessarily a guide to future performance.

Where investments involve exposure to a currency other than that in which acquisitions of the investments are invited, changes in exchange rates may cause the value of the investments to go up or down.

In the case of some investments there is no recognised market for them and it may therefore be difficult for you to deal in them or for you to obtain reliable information about their value or the extent of the risks to which they are exposed.

Discretionary Investment Management, Custodian and Investment Dealing Services are not available to United States persons.

We strongly recommend you obtain independent financial advice as to the appropriateness of any of the products mentioned before investing.

"Calculators" in this website are provided for assistance and information only. We do not advise reliance on such when you are selecting investment products and we strongly recommend professional independent advice is obtained in appropriate circumstances.

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Online banking

Customers of Isle of Man Bank are advised that National Westminster Bank plc ("NatWest plc") provide technology support to Isle of Man Bank's online banking service and this will enable NatWest plc in the UK to access your account data. In subscribing for this service, you consent to and authorise this access.

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Insurance

Home Insurance

Home Insurance is underwritten and provided by UK Insurance Limited (UKI). Registered Office and Head Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England No 1179980. UK Insurance is authorised and regulated by the UK Financial Services Authority.

Essentials Contents Insurance

Essentials Home Insurance is underwritten and provided by UK Insurance Limited (UKI). Registered Office and Head Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England No 1179980. UK Insurance is authorised and regulated by the UK Financial Services Authority.

Car Insurance

Car Insurance and NatWest Breakdown Assistance are underwritten by UK Insurance Limited which is authorised and regulated by the Financial Services Authority. Registered in England (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ.

Travel Insurance

Travel Insurance is underwritten and provided by UK Insurance Limited. Registered Office and Head Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England No. 1179980. UK Insurance Limited is authorised and regulated by the UK Financial Services Authority.

Travel Insurance is only available to persons residing within the United Kingdom (including Northern Ireland), Isle of Man and Channel Islands.

Should you have a complaint about a claim, this should be sent to Customer Liaison Unit, UK Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ. All other complaints regarding your cover should be sent to Customer Relations Department, PO Box 106, 37 Broad Street, Bristol, BS99 7NQ.

Connected Companies - Isle of Man Bank Limited and UK Insurance Limited are connected companies as they are both members of The Royal Bank of Scotland Group.

Car rental Loss Damage Waiver and Supplementary Liability Insurance

Car rental Loss Damage Waiver and Supplementary Liability Insurance cover together with International Purchase Protection cover is provided by White Horse Insurance Ireland Ltd, 14 Clyde Road, Ballsbridge, Dublin 4 which is authorised and regulated by the Irish Financial Services Regulatory Authority (IFSRA).

Claims should be sent to Strategic Claims Management Limited, PO Box 36400, London, EC3N 2AS.

Should you have a complaint regarding a claim or your cover, it should also be forwarded to Strategic Claims Management Limited at the address above. If you are still dissatisfied, you should write to the Managing Director of White Horse at the above address.

If you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 0845 080 1800. Your legal rights are not affected by following this procedure. Please note that the Financial Services Ombudsman Service will normally only consider a complaint once the insurer has issued a final decision.

The Financial Services Authority website which includes a register of all regulated firms can be visited on www.fsa.gov.uk/register, or the Financial Services Authority can be contacted on 0300 500 5000.

Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

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Stockmarket disclaimer

Our products are not in any way sponsored, sold or promoted by any stockmarket, related exchange or index, and they make no warranty or representation whatsoever, express or implied, either as to the results to be obtained from the use of the index and/or the figure at which the index stands at any particular time on any particular day or otherwise. They shall not be liable (whether in negligence or otherwise) to any person for any error in the index and shall not be under any obligation to advise any person of any error therein.

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