M&S Bank Careers Website Terms And Privacy Statement

Marks & Spencer Financial Services plc

M&S Bank is a trading name of Marks & Spencer Financial Services plc.

Registered in England No. 1772585. Registered office: Kings Meadow, Chester, CH99 9FB. A wholly owned subsidiary of HSBC Bank plc. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Marks & Spencer Financial Services plc is entered in the Financial Services Register under reference number 151427. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under license. © Marks & Spencer Financial Services plc 2014. All rights reserved.

Marks & Spencer Financial Services plc is a member of the Financial Ombudsman Scheme and subscribes to the Lending Code.

Should you wish to contact Marks & Spencer Financial Services plc, please refer to the Contact Us menu which can be found on each page of the site.

Please read the details set out below carefully before using this website. By accessing this Site, you agree to be bound by the following terms, conditions and disclaimers.

References to 'the Terms' mean these conditions of use

References to 'the Site' mean the Marks & Spencer Financial Services plc website (bank.marksandspencer.com)

References to ‘Content’ means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)

References to 'you', 'your' and 'yours' mean the person(s) accessing the Site and the party on whose behalf you are doing so

References to 'we', 'us' and 'our' mean Marks & Spencer Financial Services plc

References to ‘M&S Bank’ mean Marks & Spencer Financial Services plc

References to ‘HSBC Group’ means HSBC Holdings plc, its subsidiaries and associated companies from time to time

Site Terms

These Terms cover your use of this Site. All products and services provided by M&S Bank have their own terms and conditions (the ‘Product Terms’). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

Privacy Statement

This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy statement and the Terms may change at any time in the future. You should also read our Cookie Policy to find out more about how M&S Bank and our trusted partners use cookies, which is relevant to your online security: we use cookies to make our website more secure and easier to use.

M&S Bank’s business has been built on trust between us and our customers. To preserve the confidentiality of all information you provide to us:

  • M&S Bank will only collect information that it believes to be relevant and required to understand the customer’s financial needs and to conduct our business.
  • M&S Bank will use customer information to provide customers with better customer services and products.
  • M&S Bank may pass customer information to other HSBC Group companies or agents, as permitted by law.
  • M&S Bank will not disclose customer information to any external organisation unless we have customer consent or are required by law or have previously informed the customer.
  • M&S Bank may be required, from time to time, to disclose customer information to Governmental or judicial bodies or agencies or M&S Bank’s regulators but we will only do so under proper authority.
  • M&S Bank aim to keep customer information up-to-date.
  • M&S Bank and the HSBC Group maintain strict security systems designed to prevent unauthorised access to customer information by anyone, including M&S Bank staff.
  • M&S Bank staff and all third parties with permitted access to customer information are specifically required to observe M&S Bank’s confidentiality obligations.

By maintaining our commitment to these principles, we will ensure that we respect the inherent trust that you place in M&S Bank.

Information not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services Act 2012, or the rules of the FCA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Trade marks and copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to M&S Bank unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to M&S Bank or any message sent by M&S Bank to you over the Internet.

Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Your queries

If you have any queries regarding privacy issues then contact us. To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us.