Property Development Finance
Legal
| Legal Point | Information | ||||||||||||
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| 1.0 | General information | ||||||||||||
| 1.1 | This website is owned and operated by Ruffler Bank Plc. | ||||||||||||
| 1.2 | Business contact details:
Ruffler Bank Plc 20 Hook Road Epsom Surrey KT19 8TR
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| 1.3 | Registered in England No. 947662. Registered Office as above. | ||||||||||||
| 1.4 | Ruffler Bank Plc is a wholly owned subsidiary of Ruffler Holdings Limited. | ||||||||||||
| 1.5 | Authorised and regulated by the Financial Services Authority. |
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| 2.0 | Acceptance of terms and conditions | ||||||||||||
| 2.1 | By accessing and continuing to use any part of this website, the visitor shall be deemed to have accepted and be bound by the following terms and conditions. | ||||||||||||
| 2.2 | The terms shall be governed by, and enforced in accordance with English Law. | ||||||||||||
| 2.3 | This agreement represents the complete agreement and understanding between Ruffler Bank Plc and any visitor to this site. | ||||||||||||
| 2.4 | Any new features added to the site in
the future, shall be subject to the same terms and conditions, unless
otherwise stated. |
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| 3.0 | Copyright | ||||||||||||
| 3.1 | All website design, text, graphics, the selection and arrangement thereof, all software compilations, underlying source code, software (including applets) and all other content on this website, are copyright Ruffler Bank Plc and its affiliates, or their content and technology providers. ALL RIGHTS RESERVED. | ||||||||||||
| 3.2 | Visitors are permitted to print and download
extracts from this site, provided: (i) No documents or related graphics on this site are modified in any way. (ii) Any use of the content of this site is for personal use of a strictly non-commercial nature. (iii) If copies of these pages are saved to disk, or to any other storage medium, they may only be used for the purpose of subsequent viewing or to print extracts for personal use. |
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| 3.3 | Prior written permission must always be obtained from Ruffler Bank Plc, before reproducing or storing any part of this website in any public or private retrieval system or service, including other third party websites. | ||||||||||||
| 3.4 | Parts of this website are driven by software
owned by parties other than Ruffler Bank Plc. Their individual trademarks,
copyright and intellectual property rights are duly acknowledged.
The visitor to this site must exercise all reasonable steps to protect
those third party rights. |
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| 4.0 | Privacy | ||||||||||||
| 4.1 | This notice applies to all information collected on this website, or submitted to Ruffler Bank Plc at any time through any of our service pages. | ||||||||||||
| 4.2 | When visiting this website and signing up for, or using Ruffler Bank Plc's services through any of our service pages, you may choose to supply us with information that identifies you personally. This information may include individual or business names and contact information. | ||||||||||||
| 4.3 | We use the information you provide about yourself and others to complete the transaction for which the information is intended. Such transactions may include administering a service, such as search; management of online databases; supply of news, or downloads; replying to support requests; or contacting you directly in connection with the running of services you have subscribed to. | ||||||||||||
| 4.4 | We do not knowingly share the information we collect from you with any third party. | ||||||||||||
| 4.5 | We also collect non-identifying and aggregate information to better design our website and services. This information is for internal use only, and again will not be shared with any other third parties. | ||||||||||||
| 4.6 | Only with your permission will we use the information you provide about yourself, to keep you informed of additions or improvements to our service. | ||||||||||||
| 4.7 | To prevent unauthorised access, maintain data accuracy, and ensure the appropriate use of information, we have put in place appropriate physical, electronic, and managerial procedures reasonably designed to safeguard and secure the information we collect online. | ||||||||||||
| 4.8 | We do not store any personal information on the web server itself. This ensures that no personal details can ever be extracted from the web server. | ||||||||||||
| 5.0 | Proof of Identity | ||||||||||||
| 5.1 | Under the Money Laundering
Regulations, Ruffler Bank Plc is required to verify the identity
and address of every customer. The procedure that Ruffler Bank Plc
adopts will be explained in the introductory pack, which
you will receive when you apply to open an account. |
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| 5.2 | Documents that verify
your address include originals of recent utility bills, local
authority tax bills, bank or building society statements. Proof
of identity papers include your driving licence and passport.
It is essential that the documentation all show the same residential
address. |
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| 5.2 | All financial institutions
must notify the National Criminal Investigation Service of any
suspicious transactions that may arise. By assisting us to comply
with these regulations, you are making a very significant individual
contribution to stamping out fraud and crime in the UK. |
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| 6.0 | Disclaimer | ||||||||||||
| 6.1 | Information published in this website is intended to provide information only. The reader should independently verify the accuracy and relevance of any information provided here, before relying upon it or using it for any reason. | ||||||||||||
| 6.2 | Any one that uses the information published in this site, does so entirely at their own risk. In relying upon the information, the visitor indemnifies Ruffler Bank Plc against any claims or legal proceedings that may arise from that use. | ||||||||||||
| 6.3 | Ruffler Bank Plc is not liable to the user of this site, either in contract, tort (including negligence) or otherwise for direct or indirect loss of profits, business or anticipated savings, nor for any indirect or consequential loss or damage arising from the reader relying upon information contained in this site. | ||||||||||||
| 6.4 | Ruffler Bank Plc does not give any warranty or other assurance as to the operation, quality or functionality of the site. Access to the site may be interrupted, restricted or delayed for many reasons beyond our control. | ||||||||||||
| 6.5 | Each provision of this disclaimer statement
to exclude or limit liability, operates separately. If any part is
held by a court to be unreasonable or inapplicable, the other parts
shall continue to apply.
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