If you are an existing Tesco Bank customer, these terms will apply in addition to those contained in any customer agreements to which you are a party. All our products and services are also subject to separate terms and conditions which govern their use.
References to "you" or "your" are references to any person accessing this internet site (www.tescobank.co.uk) (the "website").
References to "we", "us", or "our" are references to Tesco Personal Finance Plc.
Information About Tesco Personal Finance Plc
About Tesco Personal Finance Plc
Tesco Personal Finance Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Tesco Personal Finance Plc is entered in the Financial Services Register and its Register number is 186022.
Tesco Personal Finance Plc is part of Tesco Plc. Tesco Personal Finance Plc. Registered in Scotland No. 173199. Registered Office: Interpoint Building, 22 Haymarket Yards, Edinburgh, EH12 5BH.
Use of Website
Use of this website
The information, services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction.
This website is designed to be accessed through its main product home pages and such other pages as we decide. If you access this website directly through third party web pages, 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. Within certain pages on this website you will be asked 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 site pages.
The contents of this website do not 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. Any arrangements made between you and any third parties named on this website are at your sole risk and responsibility.
Updating the website contents
We reserve the right to make changes to this website from time to time without notification. We recommend you to review this page regularly to keep informed of the current site terms that apply to your use of this website. By continuing to access and use this website, you will be deemed to have agreed to any changes or updated to our site terms.
Exclusion of Liability and Third Party Websites
Exclusion of liability
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.
While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that this website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of this website or any part of the content or materials are appropriate or available for use in the United Kingdom or in other jurisdictions where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.
We accept no liability whether in 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; or
- 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.
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.
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.
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.
Third party websites
To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of the Tesco Group) for you to access at your sole discretion. If you use these links you will leave this website.
You acknowledge and agree that, as you have chosen to enter the linked website at your own risk, and 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 third party websites or resources.
Copyright and Trademark
Copyright and all other intellectual property rights in the contents of, and in all information contained on this website, vests in (or is duly licensed to) Tesco Personal Finance Plc. All rights not expressly granted, are reserved by Tesco Personal Finance Plc. Reproduction in any form of any part of the content of this website without prior written consent is prohibited unless for personal use only. Your use of this website and its contents does not grant you any rights whatsoever in relation to our intellectual property rights, or that of third parties, in this website or its contents.
This website contains trademarks belonging to Tesco Bank and other companies within the Tesco group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website, including, but not limited to, Tesco Bank and Tesco Personal Finance characters. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of Tesco Personal Finance or a member of the Tesco group, please contact us for clarification.
Financial Services Compensation Scheme and Money Advice Service
Financial Services Compensation Scheme
Tesco Personal Finance Plc is covered by The Financial Services Compensation Scheme, set up under the Financial Services Act 2012. The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.
Your eligible deposits with Tesco Bank are currently protected up to the current Financial Services Compensation Scheme limit, the UK's deposit protection scheme. Investments, Mortgage advice and arranging, Long-term insurance (e.g. life assurance) and General Insurance are also covered by the scheme. Please note that different levels of compensation apply for different products. Any deposits you hold above the current limit are not covered. For more information on the conditions of the scheme, and limits contact the FSCS. For further information about the compensation provided but the FSCS (including the amounts covered and eligibility to claim) please call us or refer to the FSCS website.
Money Advice Service
The Money Advice Service has impartial information and tools to help you manage your money. The site includes free guides that you can download or order copies from for further information.
Alternatively you can call 0800 138 7777* for further information.
*Calls are free. Calls may be recorded or monitored for training purposes.
Complaints and Financial Ombudsman Information
Making a complaint
If you are not satisfied with any of Tesco Personal Finance Plc's products or services we have a complaint handling procedure that you can use to resolve such matters.
The Financial Ombudsman
Tesco Personal Finance Plc is a member of The Financial Ombudsman Service. If you are still not satisfied after following the Tesco Personal Finance'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 by contacting us. Alternatively you can write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR or telephone 0300 123 9 123 or visit www.financial-ombudsman.org.uk
Other Useful Information and Governing Law
The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Scottish courts.
Tesco Clubcard Points
The Clubcard scheme is administered by Tesco Stores. Tesco Stores is responsible for awarding points.