YOU SHOULD READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THIS WEBSITE. USING THE WEBSITE INDICATES THAT YOU ACCEPT THESE TERMS REGARDLESS OF WHETHER OR NOT YOU CHOOSE TO REGISTER WITH US. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THE WEBSITE. YOU SHOULD ALSO READ THE TERMS AND CONDITIONS ABOUT EACH SERVICE ON THIS WEBSITE.

1. INTRODUCTION

To access this Website you must register with Lloyds Banking Group plc. By accessing any part of the Website, you shall be deemed to have accepted these Terms in full. If you do not accept these Terms, you must leave the Website immediately. We may revise these Terms at any time and you should periodically check the Website to review the then current Terms because they are binding on you.

2. CONTENT

Unless otherwise stated, the copyright, trade marks and other intellectual property rights in all material on the Website (including without limitation text, tools, photographs and graphical images) are owned by us or our licensors.

Any use of the Website other than in accordance with these Terms is prohibited. If you breach any of these Terms, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.

Any rights not expressly granted in these Terms are reserved.

3. SERVICE ACCESS

While the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

4. VISITOR MATERIAL AND CONDUCT

You must not post or transmit to or from the Website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct 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, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse the Website (including, without limitation, by hacking).

We will co-operate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms.

5. REGISTRATION

Please note, each registration for this website is for a single user only. You must not share your user name and password with any other person or with multiple users on a network. Responsibility for the security of any passwords issued rests with you.

6. OUR AND YOUR LIABILITY FOR USE OF THIS WEBSITE

The Website only complies with UK laws. You should only use it from the UK.

You may not always be able to access this Website. We are not responsible for any losses if you cannot do so. We are not responsible if the means of communication you use to access the Website or to send us information about yourself or to receive information from us does not work properly.

We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown or data-processing failures.

7. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with English law. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the English courts.