Legal notice
Terms and conditions of use and access of HBOS plc's internet website
The use and access of pages of HBOS plc's Internet Website is subject to the terms and conditions set out below. Where the terms "we", "us", and "our" are used, they refer to the HBOS Group, being HBOS plc and its subsidiary undertakings including the Bank of Scotland plc ("Bank of Scotland"). Please take a moment to read these terms and conditions carefully. By using or accessing any part of our Internet Website, you agree to be bound by the following terms and conditions.
These terms and conditions may be amended by us at any time by updating them on our Internet Website. You should review these terms and conditions each time you access our Internet Website. By continuing to use and access our Internet Website you agree to be bound by the amended terms and conditions.
Trade marks & Trade names
HBOS Group company names, trading names, brands and their respective logos are registered and unregistered trade marks of the respective members of the HBOS Group. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of our Internet Website may constitute trade names or unregistered trade marks owned by members of the HBOS Group. The display of any of the above trade names or trade marks on pages of our Internet Website does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of our Internet Website are the trade marks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trade mark owners and we intend no infringement of such trade marks. The appearance or absence of products, services, companies, organisations, home pages or other Websites on our Internet Website does not imply any endorsement or non-endorsement thereof by us. All rights not expressly granted herein are reserved by us.
Liability for damages
To the extent permitted by law, we shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of our Internet Website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use or the downloading or use of any software made available by us on our Internet Website and we shall not be liable for and each user shall indemnify and keep us indemnified on demand from and against all claims, expenses, losses or liabilities (including professional fees and expenses) in connection with any claim by a third party relating to the use or downloading of the software or data or arising from such use or downloading. Nothing in these terms and conditions shall exclude or limit our liability for death or personal injury arising from our negligence or the negligence of any of our officers, employees or agents or any other liability that we are prohibited from excluding or restricting by law. Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of our Internet Website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of us to any person which we have under the Financial Services and Markets Act 2000 (as the same may be amended from time to time) (the "Act") or under the rules of any relevant self-regulating organisation (as the term is defined in the Act) (whether or not laid down by the self-regulating organisation itself), as altered, amended, added to or cancelled from time to time, which such organisation has power to enforce and to which we are subject by virtue of our membership of the relevant self-regulating organisation.
Warranties
The software, information, materials and functions contained in our Internet Website including text, graphics, links or other items are provided on an "as is" basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose and freedom from computer viruses. The software made available on our Internet Website has been prepared solely for demonstration purposes and shall not be used for any other purposes whatsoever. We exclude any liability for any errors in and omissions from information, materials and functions included in our Internet Website and for any third party Websites linked to or from our Internet Website.
Appropriate Jurisdiction
Our Internet Website is intended to be accessed only by persons located in the UK (except for information relating to certain products and services offered by Bank of Scotland International which are only available to persons located outside the UK, this international subsidiary offers investment opportunities for non UK residents and those classed as not ordinarily resident for tax purposes - as well as for UK residents interested in investing offshore. Please visit www.bankofscotland-international.com 
for details). We make no representation that any information, materials or functions included in our Internet Website are appropriate for use in any other jurisdiction.
Privacy and Security of personal data
We are concerned about the privacy and security of your personal information when using our Internet Website. Please read our privacy and security statement which sets out our policies on this matter.
Links to other websites
The provision by us of a link to another Website does not constitute any authorisation by us to you to access material held at that location, nor is it evidence of any endorsement by us of the material available there. We accept no responsibility or liability for the privacy of your personal information on such Websites, as these are beyond our control. We will accept no responsibility or liability in respect of any materials on any Website which is not under our control.
Accessing/using our internet website
No information on this site is intended to constitute an invitation to invest or otherwise deal in shares of HBOS plc or in shares of the HBOS Group. Our Internet Website is designed to be accessed via its principal homepages, and not direct to individual pages. If you access individual pages directly, you may not see important information and warnings which are necessary for a full understanding of our products and services and us generally. As you use our Internet Website, you will find words in the text which are underlined. These are links or shortcuts to other pages and if you click on them they will take you to those pages. A number of these links refer you to important legal or regulatory information which should be read in conjunction with the text in which the link appears. We accept no responsibility or liability for improper use of our Internet Website.
Unless the contrary is explicitly stated in the case of any product or service, our Internet Website contains only a summary of the information relating to the products and services referred to on our Internet Website. Therefore, if you are interested in finding out all of the information in relation to any of the products or services, you should seek further information from us by any of the methods indicated on the pages describing the products and services. Nothing on our Internet Website is intended to constitute advice to you.
Problems experienced using our internet website
Our Internet Website has been extensively tested and we hope that it works properly at all times. However, we do not warrant that it will be available at all times or that access will be uninterrupted. If you experience a problem at any time, please return to the homepage from where you entered our Internet Website and try again.
Enforceability
In the event any provision of these terms and conditions of use and access of our Internet Website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.
Reliability of information
Information provided on our Internet Website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information on our Internet Website is subject to modification from time to time without notice.
Governing laws
The terms and conditions of use of our Internet Website shall be governed by and construed in accordance with the laws of Scotland and any dispute regarding our Internet Website shall be subject to the exclusive jurisdiction of the Scottish courts.
Registered office
HBOS plc, The Mound, Edinburgh EH1 1YZ, incorporated in Scotland under the Companies Act 1985 with registered number SC218813.
Copyright
© HBOS plc. All rights, save as expressly granted or acknowledged, 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.
V2 2007 author Group Legal Operations
