Disclaimer

The Internet site of Moneyville (the "site") is subject to the Rules of Use set out below. Please take time to read this important information. Use and access of the site infers your acknowledgement and acceptance of the Rules of Use as the same may be amended from time to time.

The information appearing on this site including the products and services described on this site has been prepared in accordance with and are subject to the law of Northern Ireland. The information may not satisfy the laws of any other country. It is not directed at people in any other country other than the United Kingdom and should not be relied on by people of any country other than the United Kingdom. Any visitor to this site agrees that the use of the site and the terms that are applicable are governed by the laws of Northern Ireland and are subject to the jurisdiction of the courts of Northern Ireland.

Copyright in the contents of, and in all information contained on this site, is vested in Danske Bank A/S© 2008. All rights reserved. You may download to disk and retain a single copy of all or any of the pages (including parts of pages) contained on this site and print one single hard copy of same for your own personal use. Apart from the foregoing, no page or part of a page or other information contained on this site may be copied, reproduced, stored, adapted, transmitted, disseminated, broadcast or performed in any form or by any process, without the specific prior written consent of Danske Bank A/S (“the Bank”). Users should not remove or alter any copyright or other notices of proprietary restrictions from any content or materials appearing within this site. The "DB device" and "Danske Bank" are registered trademarks of Danske Bank A/S. Unauthorised use of these trademarks is not permitted. Subject to any terms implied by law or by the rules of any regulatory body, and which cannot be excluded, the Bank accepts no responsibility for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation on this site.

Whilst the Bank has taken reasonable care to ensure that the information and functions contained on this site is complete and correct, the Bank does not warrant or represent that it is free from errors or omissions or that the information contained on the site is suitable for your intended use.

This site may be updated from time to time so that at any one time it may be out of date. The Bank makes no commitment to update the content and materials on this site. The use of the Internet and transmitting information to or from the Bank site may not be secure from access by third parties and therefore may not remain confidential or private. If you choose to retain a hard or soft copy of all or any of these pages (including parts of pages) please ensure that the copy which is being relied upon is the most up-to-date version of that information available, by accessing the site and refreshing/updating any cached copy of the site or relevant part of it. The information published in this site is not being made available to all users which access the site and the information can be withdrawn at any time. The Bank is not in any way obliged to act upon any instructions received from users of this site.

The Bank and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this site are published on the strict condition that you, the user, assume all risk of use and the Bank hereby excludes liability for all and any consequences of your use of such files or programs.

Telephone calls to the numbers quoted in these pages may be recorded or monitored. This is for your security and with the aim of improving service and for staff training. The Bank uses IP addresses to analyse trends, administer the site, track user's movement and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

We take all reasonable precautions to protect our users' information. Our e-mail enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include sensitive personal information when using them. Access to all of our users' information, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personally identifiable information. Our employees use password-protected screen-savers when they leave their desk. When they return, they re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.

The Bank does not give any warranties in respect of the site and insofar as allowed by applicable law, excludes all implied warranties. In particular, the site is provided on an "as is, as available" basis and the Bank does not guarantee the availability, accuracy, timeliness, completeness, performance or fitness for a particular purpose of the site or any content. All implied warranties are excluded to the extent that they may be excluded as a matter of law.

The Bank will not be liable to you, the end-user or any third party for any damages (including without limitation, those arising from lost data, business interruption or damages for loss of profits) arising in contract, tort or otherwise from your use of or inability to use the site for any reason or any content or any Web site linked to this site or the materials or information contained at any or all such sites or from action taken (or not taken) as a result of using the site or any content or any Web site linked to this site or the materials or information contained at any or all such sites.

You should access the site through the homepage and not straight to individual pages of the site. Throughout the site there are words underlined in the text. If you click on these words you can download different kinds of material. Depending on your screen resolution, the text and materials on one page of the site may not fit entirely into one screen. Where this occurs, you should use the vertical and/or horizontal scroll bars in order to access the entire content of the page. If you do not do this you may not see important material and information. The Bank shall not have any liability if a user suffers loss or damage as a result of failing to use and access the site properly.

Should any of these Rules of Use of the site be held to be unenforceable, the validity and enforceability of the remaining provisions shall not be affected and the unenforceable provision will be replaced by an enforceable provision which comes closest to the intention underlying the unenforceable provision and which is of similar economic effect.

Privacy and Security Policy

At Northern Bank Limited trading as Danske Bank we are committed to ensuring that your privacy is protected. This policy explains how we use the information we collect about you. It also explains the procedures we have developed to safeguard your privacy and ensure that you feel confident about the security of your personal information and that of your family. Countries in the European Economic Area (EEA) are also required to have a similar standard of protection of personal data. Northern Bank Limited is a member of the Danske Bank Group. We may share information about you with other companies in the Danske Bank Group to help us prepare research and analyse statistics so that we can improve our services. We will not exchange information about you for marketing purposes unless you give us your permission.

What information do we hold?

If you log on to Moneyville.co.uk we may collect and store some information about you in order to provide you with details about future financial literacy and education initiatives developed by the Danske Bank Group that may be of interest to you and other members of your family. Such information may include:

Whether you are a registered user with the site or not we may also collect some information about you when you visit our Web site.

Visitors to Moneyville.co.uk

When you visit this site, you leave an electronic trail. The trail is created when your browser sends information to a server, for instance that you want to access www.moneyville.co.uk. The electronic trail you leave when you visit this site informs us of:

We use this information for purposes such as analysis of trends, administration of the site, and to create statistics that help us improve this Web site for your benefit.

Use of personal information

You do not need to register other than to create a user name through which to access www.moneyville.co.uk. We require you to submit personal information if you require information updates. If you submit this information, we will treat you as having consented to us using your personal data in the manner described in this Policy. If you do not register, the personal data we collect from you will be limited to that which you give us in order to access the site and we will use that data only to fulfil that request. By using www.moneyville.co.uk you will be treated as having consented to such processing. You can choose to cancel your subscription to our Moneyville update service at any time, please do so by writing to the Communications Department, Danske Bank, PO Box 183, Donegall Square West, Belfast BT1 6JS. Or e-mail support@pengeby.dk.

E-mail addresses

We respect the privacy of personal e-mail accounts and we store your e-mail addresses just as securely as other personal information. We will not send you unwanted e-mail messages or junk mail, and your details will not be passed to any organisation outside the Danske Bank Group for marketing purposes without your explicit permission.

However, we may use e-mail in response to enquiries you make about our services or service issues.

Right of access to your information

If you want to know what personal information the Bank holds about you, you have a right to request a copy of that information (subject to the provisions of the Data Protection Act 1998 for UK Customers). If it transpires that the information held is inaccurate, we will make the necessary amendments and confirm to you that these have been made. Please write to the Data Protection Officer at the registered address (Danske Bank, PO Box 183, Donegall Square West, Belfast BT1 6JS) enclosing a cheque for the administration fee of £10 made payable to Northern Bank Limited trading as Danske Bank.

Use of Cookies

Cookies are only used to remember your login information on Moneyville. No other data is stored or passed on to a third party.

For information about blocking the use of cookies, please refer to the instructions and Help function on your Internet browser. Please note that you may not be able to use or access certain parts of the site or online services if you block the use of cookies.

Changes

As a result of improvements we make to our services, amendments to laws or regulations, or developments in the technology or processes we use, we may change the information we hold about you and/or the way in which, or the purposes for which, we process such information. Where we require your consent to such change, we will notify you of the change. However, unless you inform us otherwise, we will deem that your continued receipt of products and services to which the change relates constitutes your consent to the change in question.

Please help us

We want our service to meet your expectations at all times. In order for it to do so, we need the information we hold about you to be accurate and up to date. Please help us by informing us promptly of any changes to your personal circumstances using either of the addresses above.

This privacy statement was last updated in March 2013.