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Business Hub Website Terms & Conditions

Terms and Conditions of Use of our Business Hub Web Site.

This website is owned and maintained by National Westminster Bank Plc ("us", "we" or "NW"). 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 website

1 The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of The Royal Bank of Scotland Group ("the RBS Group") to any registration requirement within such jurisdiction or country.

Where any opinions are expressed on this website, they are provided either by the RBS Group or third party contributors for personal use and for informational purposes only.

2 This website is intended for use by residents of the UK only, and is not aimed at or intended for use by residents of any other jurisdiction.

Exclusion of liability

3 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 to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

4 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.

5 The statements and opinions expressed in any of the articles or any other content on this website (including those contained in any links on this website) are solely the views of the authors of such articles or content and do not necessarily represent the views of NW or any other member of the RBS Group.

6 The articles, information and any other content on this website (including any content contained in links on the website) are for the use of intended recipients only and such articles, information and content may not be reproduced, redistributed, or copied in whole or in part for any purpose without NW’s prior written consent. No representation, warranty, or assurance of any kind, express or implied, is made as to the accuracy or completeness of the information contained in any article or other content on this website (including any content or information contained in links on the website) and no member of the RBS Group accepts any obligation to any recipient to update or correct any information contained on this website (including any information contained in any link on this website). The articles and any other content on this website (including any articles or content contained in any link on this website) is published for information purposes only and does not constitute an analysis of all potentially material issues. Views expressed on this website (and within any link on this website) are not intended to be and should not be viewed as advice or as a recommendation. You should take independent advice in respect of issues that are of concern to you.

7 None of the information on this website (or in any link on this website) constitutes an offer to buy or sell, or a solicitation of an offer to buy or sell any investment, and does not constitute an offer to provide any products or services that are capable of acceptance to form a contract. No member of the RBS Group accepts any liability whatsoever for any direct, indirect or consequential losses (in contract, tort or otherwise) arising in any way from the information contained on this website including any information contained in links on this website.

8 We accept no liability however caused (to the extent permitted by applicable law) arising out of the use of or access to this website including without limitation any errors or omissions contained in this website or if the website is unavailable.

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; or
  • loss or damage which was not reasonably foreseeable, suffered or incurred and arising out of or in connection with your use of this website and/or these terms and conditions.

9 Access to and use of this website is at your 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 malicious code. 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.

10 To provide increased value to users of this website, we will provide links to other websites or resources (that are not part of the RBS 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 that we 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.


11 Copyright © National Westminster Bank Plc. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

Trade marks

12 This website contains various trade marks belonging to National Westminster Bank Plc and other companies in the RBS Group. If you are in doubt as to whether an item is a trade mark of National Westminster Bank Plc or a member of the RBS Group, please contact us for clarification at the registered office address below.


13 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 offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified financial advisor before making any investment decision.

Regulatory Information

14 National Westminster Bank Plc. Registered in England and Wales No. 929027. Registered Address: 250 Bishopsgate, London EC2M 4AA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The Royal Bank of Scotland plc is authorised to act as agent for National Westminster Bank Plc.]

15 Persons dealing with any member of the RBS Group outside the UK are not covered by the rules and regulations applicable for the protection of investors in the UK.

Changes to website

16 The contents of this website, including these terms and conditions of use, are subject to change by us without notification and the RBS Group shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

Internet communications

17 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, the RBS Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use of content that is unauthorised or unlawful or material that may cause offence in any way.

Other Important Information

18 The information, and any opinion contained in this website does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.

Regulatory Information

19 NW subscribes to the Lending Code. The Code can be found at www.lendingstandardsboard.org.uk.

20 If you are not satisfied with any of NW's services we have a complaint handling procedure that you can use to resolve such matters. NW is covered by The Financial Ombudsman Service. If you are still not satisfied after following the NW’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 from any branch or by telephoning NW. Alternatively you can write to: Financial Ombudsman Service, Exchange Tower, London, E14 9SR or telephone 020 7964 1000.

General Information


21 In the event any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Governing Law

22 The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the English courts.