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.
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
This website is designed for use in the United Kingdom (UK). The products and services represented
within this website are intended for UK customers.
This website is provided by Marks & Spencer Financial Services plc (‘M&S Bank’).
M&S Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
If you are outside of the UK, we may not be authorised to offer or provide you with the products and
services available through this website in the country or region you are located or resident in.
This website is not intended for distribution or use by any person in any jurisdiction, country or
region where the distribution or use of this material is restricted and would not be permitted by
law or regulation.
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 and Markets Act 2000, 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. When you access or link to any other website,
please read the terms and privacy notice issued by such other website to determine the policies that
apply to information or data maintained by that website. 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.
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.
We maintain strict security standards and procedures to prevent unauthorised access to information
about you. M&S Bank will never contact you by email or otherwise to ask you to validate personal
information such as your user ID, password, or account numbers.
M&S Bank operate channels, pages and accounts on some social media sites to inform, assist and
engage with customers. Unless stated otherwise, these are intended for UK customers. We monitor and
record comments and posts made on these channels about M&S Bank so that we can improve our
M&S Bank are not responsible for any information posted on those sites other than information we
have posted ourselves. We do not endorse the social media sites themselves, or any information
posted on them by third parties or other users.
M&S Bank don't give investment, tax or other professional advice via social media sites. You
should always seek independent advice before making such decisions.
When you engage with M&S Bank via social media your personal data may be stored on that social
media site's servers, which are outside our control and may be in the US or elsewhere outside the
EU. Any information posted on such sites may be accessed and read by the general public. It is not
an appropriate forum to discuss customers' products or financial arrangements. M&S Bank won't
ask you to share personal, account or security information via social media sites, and you shouldn't
post such information on those channels.
We regularly update and monitor our social media accounts and welcome feedback and ideas submitted
via these channels. We endeavour to join the conversation whenever possible. However, we are not
able to reply individually to all messages received via these channels.
We endeavour, but can't guarantee, to read all messages sent to our official social media accounts,
and any emerging themes or helpful suggestions are passed to the relevant people within M&S Bank
for consideration, but no guarantee is made that any proposals will be acted upon.
M&S Bank operate the following official Twitter streams in the UK
If M&S Bank follow another user then this does not imply endorsement of any kind.
TWITTER, TWEET, RETWEET and the Twitter logo are trademarks of Twitter, Inc. or its affiliates
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.
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.
If you have questions about personal information we hold (that you have provided to us), or if you
would like to opt out of future M&S Bank marketing communications, you can contact us via phone, email or post, please visit our contact us page.