This notice outlines the terms between you and us relating to your use of this website. Please read these terms of use carefully before you start to use the website. By using our website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our website.

Information about Us

We are Ikano Bank AB (publ),a UK establishment of Ikano Bank AB (publ), registered in England and Wales under no. BR016253.Our registered office is at Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ. Our VAT registration no. is 265321711. Ikano Bank AB (publ) is incorporated in Sweden with registered and head office at Hyllie Boulevard 27 Malmö 215 32 Sweden.Ikano BankAB (publ) is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden and in the United Kingdom by the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.

This website is operated on our behalf by VAC Media Limited, a company registered in England and Wales under no. 05512439 and whose registered office address is at 30 North Street, Keighley, West Yorkshire, BD21 3SE.

Other terms that may apply to you

The following additional terms also apply to your use of our website:

• Our Privacy Notice.
• Our Cookie Policy, which sets out information about the cookies on our site.
• If you register to participate in Ikano Rewards, our Ikano Rewards Terms and Conditions will apply to your use and our provision of Ikano Rewards.

Accessing our Website

Access to our website is free of charge and only permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if for any reason our website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our website, or our entire website.

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.

From time to time, we may modify and/or change these terms therefore please review these terms whenever you use the website. Your ongoing use of this website following such modifications and/or changes constitutes your acceptance of the same.

We may update and change our website from time to time to reflect changes to our products, our users' needs and our business priorities.

Intellectual Property Rights

This website and the information it contains is owned by or licensed to us by VAC Media Limited or other third-party licensors and any third-party names and logos used are reproduced with the consent of the third party concerned. Reproduction and copying of any information, names or logos on this website are not permitted without our specific prior written permission.

Reliance on Information Posted

Commentary, information and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

Security

As with all websites, you should ensure that you have appropriate security and virus software installed to ensure that your computer, equipment, computer programs, data or other proprietary material cannot be damaged by your use of this website or any connected website.

We do not guarantee that our website will be secure or free from bugs or viruses.

We shall not be liable for any loss or damage which may arise to your computer, equipment, computer programs, data or other proprietary material as a result of using this website or to your downloading of any material posted on it, or on any website linked to it.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Our Liability

Although we have taken all reasonable care to ensure that the material provided on this website is accurate, the information is provided without any guarantees, conditions or warranties as to its accuracy.

If you are a business user, to the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

• all conditions, warranties, and other terms which might otherwise be implied by statute, common law or the law of equity; and
• any liability to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: (i)the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it; and (ii) use of or reliance of any content displayed on our website.
• any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, or any indirect or consequential loss or damage.

If you are a consumer user, we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Links from our Website

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

We are not responsible for the content of external websites and we cannot accept any responsibility for any technical difficulties associated with their use.

Linking to our Website

You may not link any other website to this site without obtaining written consent from us in advance.

Jurisdiction and Applicable Law

These terms are governed by English law. You and we both agree that the English courts shall have exclusive jurisdiction to settle and disputes which may ariseexcept that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you have any concerns about material which appears on our website, please contact us.