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This page contains important information relating to your use of the Clydesdale for Intermediaries website and the privacy of your information.

This Internet site (www.clydesdaleforintermediaries.co.uk) (this "Site") of Clydesdale is subject to the Rules of Use set out below. Please take time to read this important information. Use and access of this Site infers your acknowledgement and acceptance of the Rules of Use as the same may be amended from time to time. If you do not agree to the Rules of Use, please do not use this Site.

We'll always treat your data with respect. Find out more in our privacy notice

Nationwide Building Society (trading as Clydesdale). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078 Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.

Credit facilities other than regulated mortgages and regulated credit agreements are not regulated by the Financial Conduct Authority.

The VAT number of Nationwide Building Society is 485 9633 89.

Clydesdale complies with the requirements of the Lending Code, a voluntary code which sets standards for good lending practices.

Further details can be found on the Lending Standards Board website www.lendingstandardsboard.org.uk

We are fully committed to high standards of service, treating our customers fairly, helping our customers understand how their accounts operate and giving them a better understanding of banking services and maintaining confidence in the security and integrity of banks. You can find further information on bank accounts on the Financial Conduct Authority “Money made clear” website at www.moneyadviceservice.org.uk

You should access this Site through the homepage and not straight to individual pages of this Site. Throughout this Site there are words highlighted in bold and underlined in the text. If you click on these words you will be taken to another page of this Site or part of that page. Depending on your screen resolution, the text and materials on one page of this Site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars to access the entire content of the page. If you do not do this you may not see important material and information. Clydesdale shall not have any liability if a user suffers loss or damage as a result of failing to use and access this Site properly.

As noted above if you access individual pages directly you may not see important material and information including links to important legal or regulatory information which should be read in conjunction with the Rules of Use and Clydesdale’s Privacy Notice and other relevant information. Clydesdale shall not have any liability if a user suffers loss or damage as a result of failing to see relevant legal or regulatory information displayed on this Site.

Access to this Site is permitted on a temporary basis, and Clydesdale reserves the right to withdraw or amend the service it provides on this Site without notice. Clydesdale will not be liable if for any reason this Site is not available at any time or for any period.

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential and you must not disclose it to any third party. We have the right to disable any such user identification code or password, whether chosen by you or allocated by Clydesdale, at any time, if in Clydesdale’s opinion you have failed to comply with any of the provisions of these Rules of Use.

You are responsible for making all arrangements necessary for you to access this Site. You are also responsible for ensuring that all persons who access this Site through your internet connection are aware of these terms, and that they comply with them.

Copyright in the contents of, and in all information contained on this Site, vests in (or is duly licensed to) Clydesdale. All rights not expressly granted therein are reserved by Clydesdale. This Site provides intermediaries with access to certain application forms and other tools relevant to Clydesdale’s intermediary business, and intermediaries may access, print and use those tools for purposes consistent with Clydesdale’s intermediary business. Apart from the foregoing use, no page or part of a page or other information contained on this Site may be copied, reproduced, stored, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without the specific prior written consent of Clydesdale. Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this Site. Any unauthorised downloading, re-transmission or other copying or modification of any page or part of a page or information therein may well be in breach of statutory or common law rights which could be the subject of legal action.

The Clydesdale device and 'Clydesdale' are registered trademarks of Clydesdale. Unauthorised use of these trademarks is not permitted. Other trademarks, including Barclays-Stockbroker Price Improver and MasterCard, are licensed for use of Clydesdale only and cannot be used or reproduced by any unauthorised party.

The information contained or displayed on this Site is believed by Clydesdale to be reliable when displayed.

Whilst Clydesdale has taken reasonable care to ensure that the information and functions contained or displayed on this Site are complete and correct, Clydesdale does not warrant or represent that such information or functions is or are free from errors or omissions or that the information contained or displayed on this Site is suitable for your intended use. Clydesdale therefore disclaims all liability and responsibility arising from any reliance placed on such materials by any visitor to this Site, or by anyone who may be informed of its contents.

Clydesdale aims to update this Site regularly and may change the content at any time. However, any of the material on this Site may be out of date at any given time and Clydesdale makes no commitment to update the content and materials on this Site. The use of the internet and transmitting information to or from this Site may not be secure from access by third parties and therefore may not remain confidential or private. If you choose to retain a hard or soft copy of all or any of these pages (including parts of pages) please ensure that the copy which is being relied upon is the most up-to-date version of that information available, by accessing this Site and refreshing/updating any cached copy of this Site or relevant part of it. Information published at this Site may refer to products, information or services that are not available in your country or locality. Clydesdale is not obliged to provide such products, information and services and it reserves the right not to do so. The products, information and services published in this Site are not being made available to all users which access this Site and the products, information or services can be withdrawn at any time. Clydesdale is not in any way obliged to act upon any instructions received from users of this Site.

Clydesdale takes all reasonable precautions to protect our users' information. Our e-mail enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include sensitive personal information when using them. When Clydesdale’s registration/application form asks users to enter sensitive information (such as Bank account details), such information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we will use all reasonable endeavours to protect user-information off-line. However, any personal details or other information entered onto or submitted through this Site or by e-mail to Clydesdale is entered or transmitted at the user's risk and Clydesdale shall not be liable for any such information being intercepted or accessed by any third party without the knowledge of Clydesdale or any of its employees or agents. Access to all of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personally identifiable information. Clydesdale’s employees use password-protected screen-savers when they leave their desk. When they return, they re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.

Clydesdale does not give any guarantees or warranties in respect of this Site and in so far as allowed by applicable law, excludes all implied warranties. In particular, this Site is provided on an "as is, as available" basis and Clydesdale does not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of this Site or any content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.

Clydesdale will not be liable to you, the end-user or any third party for any direct or indirect, special, incidental or consequential damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, delict, tort or otherwise from your use of or inability to use this Site for any reason or any content or any web-site linked to this Site or the materials or information contained and displayed at any or all such sites or from action taken (or not taken) as a result of using this Site or any content or any web-site linked to this Site or the materials or information contained at any or all such web-sites.

Any exclusions, limitations or restrictions of liability contained in these Rules of Use shall be subject to the qualification that nothing contained in any such exclusion or limitation or restriction of liability shall operate to exclude or restrict any duty or liability of Clydesdale to any person which it has under the Financial Services and Markets Act 2000 (as amended from time to time).

Where we collect personal information about you, this personal information may be transferred to and/or shared with and/or used by other members of the Group in accordance with the Privacy Notice.

Telephone calls to the numbers detailed on this Site may be recorded or monitored. This is for your security and with the aim of improving service and for staff training.

Clydesdale uses IP addresses to analyse trends, administer this Site, track user's movement and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information.

Clydesdale and, or any third party engaged by Clydesdale to carry out research for the purposes noted above will use cookies or other similar text files or programs when you visit certain parts of this Site. A cookie is a small file which is sent to your browser and stored on your computer's hard disc and helps Clydesdale understand and track your use of this Site and where it can improve the information and services provided. Clydesdale uses cookies solely to gather information on IP addresses, to analyse trends, administer this Site, track user's movements on this Site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages. For information about blocking the use of cookies, please refer to the instructions/help screen on your Internet browser. Please note that you may not be able to use or access certain parts of this Site or online services if you block the use of cookies.

You will not post or transmit any statement or material while accessing or using this Site that is unlawful, obscene, indecent, libellous, pornographic, offensive, defamatory, threatening, abusive, libel to incite racial hatred, discriminatory, menacing, scandalous, blasphemous, in breach of confidence, in breach of privacy or that would be considered a criminal offence, give rise to civil liability or otherwise be contrary to the law of or infringe the rights of any third party enforceable in any part of the United Kingdom or elsewhere.

You are liable for any posting on or transmission to this Site by you and Clydesdale accepts no responsibility and/or liability in relation thereto.

Any material you upload to this Site will be considered non-confidential and non-proprietary, and Clydesdale has the right to use, copy, distribute, and disclose to third parties any such material for any purpose. Clydesdale will co-operate fully with any enforcement, authority or court order requesting or directing Clydesdale to disclose the identity or location of anyone in breach or allegedly in breach of any of the above.

Clydesdale and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this Site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this Site are published on the strict condition that you, the user, assume all risk of use and Clydesdale hereby excludes liability for all and any consequences of your use of such files or programs.

You will not transmit any technically harmful postings or transmissions to or through this Site (which shall include but not be limited to computer viruses, logic bombs, Trojan horses, worms, harmful components, corruptive data or other malicious software or harmful data) or engage in other practices of mis-use (which shall include but not be limited to hacking).

Clydesdale does not accept any liability for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it.

This Site contains links to other websites or web pages either directly or through frames and, where possible, Clydesdale will make it clear where such links are being made. Links to third party websites or web pages on this Site are provided solely as a convenience to you. If you use these links you will leave this Site. Clydesdale has not reviewed all of these third party Sites and does not control, is not responsible and shall have no liability for any of such sites, their availability or their content. Accordingly, Clydesdale does not endorse or make any representations about them or any products, services, information or materials on such third party sites or any results that may be obtained by using them. If you decide to access any third party sites which are linked to from this Site you do this entirely at your own risk. Please advise us immediately if you consider any link pages to be inappropriate, illegal or offensive.

Should any of these Rules of Use be held to be unenforceable the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect. If Clydesdale fails to exercise any right or remedy available under the Rules of Use such failure does not constitute a waiver of that right or remedy.

The information appearing on this Site including the products and services described on this Site have been prepared in accordance with and are subject to the laws of England and Wales. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than the United Kingdom and should not be used by people of any country other than the United Kingdom . Any visitor to this Site agrees that the use of this Site and the terms that are applicable are governed by the laws of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales.

Clydesdale (including Virgin Money) is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Mortgage advising and arranging is covered up to a maximum compensation limit of £120,000. Further information about compensation scheme arrangements is available from the FSCS. You can find impartial information and guidance on money matters on the "Money Advice Service" website.