TERMS & CONDITIONS

Welcome to the Open Banking website and all the information provided through it.  The website is currently located at openbanking.org.uk (the “Site”).

Who we are and how to contact us

In these terms and conditions “Open Banking“, “we“, “our” and “us” means Open Banking Limited, a private company incorporated and registered in England with company number 10440081 whose registered office is at 2 Thomas More Square, London, United Kingdom, E1W 1YN and “you” and “your” means any natural or legal person who uses the Site and each entity on whose behalf they act.

We can be contacted at e-mail at enquries@openbanking.org.uk or by post at the address above.

By using the Site you accept these Terms

By using the Site you agree to be legally bound by the following terms and conditions (the “Terms”).  If you do not agree to these Terms you must not use the Site. We recommend that you print a copy of these Terms for future reference.

The following additional legal terms are hereby incorporated into these Terms and apply to your use of the Site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us.
  • Our Cookie Policy which sets out information about the cookies on the Site.

Changes to these Terms

We amend these Terms from time to time. Every time you wish to use the Site, please check these Terms to ensure you understand the Terms that apply at that time.

Changes to the Site

The Site is made available free of charge. We may update and change the Site from time to time.

We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Site for business and operational reasons.

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms other applicable legal terms and that they comply with them.

Use of Site content

We are the owner or the licensee of all intellectual property rights in the Site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from the Site for your personal use and you may draw the attention of others within your organisation to content posted on the Site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on the Site must always be acknowledged.

You must not use any part of the content on the Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the Site in breach of these Terms, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Uploading Your content

Whenever you upload your content to the Site (“User Content“) you must ensure that all such User Content:

  • does not infringe the intellectual property rights of any third party;
  • is not obscene, abusive, threatening or otherwise objectionable;
  • is not libellous or defamatory of any person; and
  • does not advertise or otherwise solicit for either funds or goods or services.

You warrant that any such contribution does comply with these standards, and you will be liable to us and you shall keep us fully and effectively indemnified on demand for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

We have the right to remove any of your User Content, in our opinion, it does not comply with the standards set out above.

Any User Content you upload to the Site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your User Content, but you hereby grant us a limited non-exclusive, perpetual, irrevocable, royalty free, worldwide licence to publish on the Site any User Content which you submit to the Site.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to the Site constitutes a violation of their intellectual property rights, or of their right to privacy.

Reliance on information

The content on the Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Site.

Although we make reasonable efforts to update the information on the Site, we make no representations, warranties or guarantees, whether express or implied, that the content on the Site is accurate, complete or up to date.

Links from the Site

The Site contains links to third party websites and other resources (“Linked Sites”).  We do not control, sponsor, endorse, approve or accept any responsibility for anything appearing in the Linked Sites (nor in other websites referred to in or linked to the Linked Sites) nor for any content, goods or services available through them.  We make no representations about any Linked Sites you may access through the Site whatsoever and we shall not be liable for any loss or damage caused or alleged to be caused to you by or in connection with use of or reliance on any content, goods or services available on or through any Linked Sites.

Linking to the Site

You may link to the Site’s home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to the Site in any website that is not owned by you. The Site must not be framed on any other website, nor may you create a link to any part of the Site other than the home page. We reserve the right to withdraw linking permission without notice.

Information security

We do not guarantee that the Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access the Site. You should use your own virus protection software.

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which it is stored or any other server, computer or database connected to it. In the event of such activity, your right to use the Site will cease immediately.

Our site is only for users in the UK

The Site is directed to people residing in the United Kingdom. We do not represent that content available on or through our Site is appropriate for use or available in other locations. Those who visit the Site from other locations do so at their own initiative and are responsible for compliance with all applicable laws.

Limitations of Liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so under English law. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We exclude all implied conditions, warranties, representations or other terms and conditions that may apply to the Site or any content on it.

We will not be liable to you for any loss or damage howsoever caused, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, the Site; or
  • use of or reliance on any content displayed on the Site.

In particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of data;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

Our maximum aggregate liability for loss or damage under or in connection with these Terms and whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to £100

General

No rights are conferred on any person who is not a party to these Terms.

Each provision contained in these Terms shall be severable from any other provision, and if any part of any provision shall be found to be invalid, illegal or void for any reason, then such finding shall not affect any other part of such provision or any other provision contained in the Terms which shall continue to have full force and effect.

Any failure or delay by us enforcing an obligation or exercising a right, under these Terms, does not amount to a waiver of that obligation or right, or any other obligation or right.

You acknowledge that you have not entered into these Terms in reliance on any statement or representation, except in so far as the representation has been incorporated into these Terms. You irrevocably and unconditionally waive any right you may have to claim damages and/or to rescind these Terms by reason of any misrepresentation (other than a fraudulent misrepresentation) not contained in these Terms.

You shall not assign any of your rights or obligations under these Terms without our prior written consent.  We shall have the right to assign or otherwise delegate all or any of our rights or obligations under these Terms.

These Terms shall be construed in accordance with English law and the parties hereby submit to the exclusive jurisdiction of the courts of England and Wales.

Please click here for our Open Licence, Dispute Resolution Procedure and Terms and Conditions for API Users and Providers.