This website is owned and maintained by Tesco Bank which is a trading name of Tesco Personal Finance plc. 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.
Use of this website
The information, services and products on this website are intended for use by residents of the UK 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 principal product home pages and such other pages as we decide. If you access the site through individual pages directly, 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. You will be referred on certain site pages 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.
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.
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.
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 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 (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.
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.
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. 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.
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.
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, including but not limited to loss of data or computer virus infection.
Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services Act 1986, 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.
This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We cannot be liable for any loss or damage which may arise from the use of such third party websites.
Tesco Personal Finance plc. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the content of this website without prior written consent is prohibited unless for personal use only.
By agreeing to be bound by these terms and conditions, you are consenting to us collecting and storing certain personal data about you. This data will be used to provide the service applied for and may be stored and used by Tesco Personal Finance plc or other members of the Tesco Group (comprising Tesco plc and all of its subsidiaries) to keep you informed of products and services which may be of interest to you. This data will not be used other than in the normal course of our business. If you do not wish to receive such information, all you need to do is write to let us know. If you wish to receive details of personal data held about you by us, you may write to request this - there is a fee for this service.
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 at the address below.
The Clubcard scheme is administered by Tesco Stores. Tesco Stores are responsible for awarding points.
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.
Tesco Personal Finance plc is authorised and regulated by the Financial Services Authority. TPF is entered in the FSA's Register and its Register number is 186022. The FSA's Register can be accessed at www.fsa.gov.uk/pages/register/.
We are covered by The Financial Services Compensation Scheme, set up under the Financial Services and Markets Act 2000. For money held in a bank or building society in the UK the scheme will cover up to £85,000 (For joint accounts £170,000 is covered - £85,000 per person). Most people who make deposits, including individuals and small firms, are covered. Note that the compensation limits are per institution. So if you have two accounts you will only be covered for £85,000 and not £85,000 per account. Deposits in all currencies are treated the same. 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. For more information on the conditions of the scheme, please contact the FSCS at www.fscs.org.uk.
TPF subscribes to the Lending Code. The Lending Code is a voluntary code that sets standards for good lending practice that all of its members have to meet. Full details of the code and the guide for customers are available from the Lending Code Standards Board website.
If you are not satisfied with any of TPF's products or services we have a complaint handling procedure that you can use to resolve such matters. See more information about this procedure and ways to contact us.
TPF is a member of The Financial Ombudsman Service. If you are still not satisfied after following the TPF'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: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.
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. Visit The Money Advice Service or call 0300 500 5000 (call rates may vary) for further information.
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.
Changes to the website
The contents of this website, including these terms and conditions of use, are subject to change by us without notification.
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.