Legal information
Newcastle Building Society (NBS) is authorised and regulated by the Financial Services Authority (FSA) and is entered in the FSA's register under number 156058. We are permitted to advise on, arrange, enter into and administer mortgages and permitted to advise on, arrange and administer general insurance. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by cfontacting the FSA on 0845 606 1234.
Society Details
Newcastle Building Society is an Introducer Firm to Newcastle Financial Services Limited which is a Representative only of Zurich Advice Network Limited. Zurich Advice Network Limited, regulated by the Financial Services Authority, represents only the Zurich Financial Management Marketing Group for its life assurance, pension and investment products.
Newcastle Building Society is authorised and regulated by Financial Services Authority www.fsa.gov.uk/register/ and is entered in the Financial Services Authority Register under number 156058. We are permitted to advise on, arrange, enter into and administer mortgages and permitted to advise on, arrange and administer general insurance. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.
The Society is an introducer to Fidelity Investment Limited for Investment funds business. The Society will not provide advice or recommend any funds. The service provided by the Society via this Website from Fidelity Investment Limited is provided on an execution-only basis. The service provided by Fidelity Investment Limited is governed by the Fidelity Investment Limited Terms and Conditions which you should read carefully before using this service.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. We are covered by FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance - Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Mortgage - Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Further information about compensation scheme arrangements is available from the FSCS.
The Newcastle Building Society is a participant of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Payments under the Scheme are limited to a maximum payment of £31,700, i.e. 100% of the first £2,000 of an investors total shares and/or deposits in a society, and 90% of the next £33,000. Most investors are covered, including individuals and small firms. A small number of categories of shares and deposits are not covered (for example deferred shares - permanent interest bearing shares). Although most shares and deposits are denominated in sterling, all other currencies are covered.
Codes of Practice
The Society fully supports The Banking Code.
Terms and Conditions of Website Use
Please read the following terms and conditions carefully that relate to your access and use of this Newcastle Building Society (the "Society") Website. By accessing any part of this Website, you agree to be bound by these terms and conditions. If you do not accept any of these terms and conditions then stop accessing this Website and do not use any online services.
1. The Society controls and maintains this Website from England and the material and information contained in this Website is directed solely at people who are resident or ordinarily resident in the UK. The products and services described on this Website are only available to UK mainland residents. The material and information on the Website may not satisfy the laws or regulations of any other jurisdiction and it is your responsibility to observe these restrictions. The material or information should not be distributed or accessed by any person in any such jurisdiction. You accept that your use of this Website and any material or information on the Website is subject to English law and if any dispute arises from your use of this Website or material or information contained on it that such dispute will be heard in the English courts.
2. The information and material on this Website should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other financial services or banking product of the Society or any other issuer. All products and services described on this Website are subject to availability. If you are unsure about whether a product is suitable you should contact an independent financial advisor.
3. We have the right to suspend access to this Website at any time without notice for any reason and we have the right to amend these Terms and Conditions or the content of this Website at any time and you should therefore revisit these Terms and Conditions regularly.
4. All of the contents that may be available on this Website including but not limited to all text, graphics, links, marks, logos, trade marks and sounds are the intellectual property of the Society or its licensors and protected by intellectual property laws and may not be used, copied, downloaded, distributed or published in any way without the Society's prior written consent.
5. We may monitor and record your telephone calls with the Society in the interests of security and to assist with staff training.
6. You agree that any and all personal information you provide to us via this Website may be processed in accordance with our current Privacy Policy as set out on this Website.
7. You agree not to access, use or post information via this Website in any way that: is defamatory, obscene, abusive, indecent or menacing or which infringes any intellectual property rights or breaches obligations of confidence which are otherwise illegal or unlawful introduce a virus or other disruptive program is not authorised by the Society or is in breach of these Terms and Conditions.
8. The material and information provided on this Website is for general information only. Although we have made reasonable efforts to ensure that the content of our Website is accurate, we do not represent that this is the case and it should not be relied upon without consulting primary or more accurate or up to date sources of information.
9. Due to the inherent nature of the Internet, the Society cannot guarantee access to this Website. You accept that the sending and receiving of e-mails over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered or not delivered at all.
10. This Website contains links to other third party sites that are not maintained by the Society. The inclusion of such links on this site does not imply any endorsement of the content of such sites. The Society accepts no responsibility or liability in respect of such sites.
11. In no event will the Society be liable to the fullest extent permitted by law or regulation for any loss or damage arising directly or indirectly including any consequential loss or damage from your use of or access to this Website, howsoever arising.
Privacy Policy
January 2006
The Newcastle Building Society (the "Society") respects the privacy of your personal information. This Privacy Policy sets out our current policies and procedures in relation to your data protection and relates solely to information supplied by you via this website. This Privacy Policy will not alter or affect any personal information otherwise provided by you to the Society. It is important that you revisit this Privacy Policy regularly, as we may from time to time change the content or services available on our website and consequently this Privacy Policy may change.
Any personal details that you supply to us via this website such as your contact details will be stored and held by us on computer databases or otherwise for the purpose of:
Site Tracking
In order that we can monitor and improve the site, we gather certain information about you when you use it, including details of your domain name and IP address, operating system, browser, version and the web site that you visited prior to our website. We collect this information through the use of cookies, web beacons and web logs.
Cookies
A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number. Cookies cannot be used by themselves to identify you and are not computer programs, and can't cause any damage to your computer.
Persistent Cookies
Persistent Cookies are created and stored on your computer's hard drive for a period of time to identify it to the site tracking tool. The cookie does not collect any personal information. The cookie we issue contains the following information:
Disabling/Enabling Cookies
By modifying the settings of your browser, you may opt to accept cookies, to be informed when one is about to be placed on your computer, or to automatically reject all cookies. However, you will not be able to use all the interactive features of our site or our online savings account if cookies are disabled.
More information on cookies can be found at http://www.aboutcookies.org
Use of Web Beacons
Web beacons (sometimes known as clear or transparent gifs) are used to identify whether a recipient has opened an HTML email. When the email is opened the web beacon generates a record showing that the email has been viewed. Web Beacons may also recognise when the email was opened, how many times it was forwarded and which URL's (links within the email) were clicked.
These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a campaign.
Disabling Web Beacons within Emails
If you do not wish to receive Web Beacons you will need to disable HTML images or refuse HTML (select Text only) emails via your email software.
Data Protection
We endeavour to take all reasonable steps to protect your personal information but cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the Internet and will not hold us responsible for any breach of security unless this is due to our negligence or wilful default.
Please be aware that our site may link to other web sites which may be accessed through our site. We are not responsible for the use of any personal information that you give directly to or are collected via such third party sites. You should read the respective data policies or procedures of these linked websites to find out how they use your information.
In the course of undertaking the activities specified in this privacy policy it may be necessary to transfer data to third parties who provide services to us outside the European Economic Area to countries which do not have data protection laws or to countries where your privacy and other fundamental rights will not be protected as extensively as in the UK. If we do this, we will ensure that anyone to whom we transfer your information agrees to treat your information with the same level of protection as provide in the UK.
As part of its services, the Society may occasionally inform you (by e-mail, telephone, mail or otherwise) about special offers, products and services which we consider may be of interest to you. If you do not wish to receive details through our marketing programme you can opt out of receiving further marketing from the Group by e-mail, telephone or otherwise by contacting the Customer Services Manager at Newcastle Building Society, Portland House, New Bridge Street, Newcastle, NE1 8AL.
Use of Your Personal Information
Newcastle Building Society will hold information about your account(s) for business analysis, fraud prevention and to keep your records accurate and up to date. We, and other companies in our group with the Newcastle name ("the Newcastle Building Society Group") may also use your contact and personal details from your accounts and records within the Group to identify products and services, which may be of interest to you. We may contact you by letter, telephone or email to inform you about products and services, including those of our commercial partners whose products and services can be purchased through us. This may include information about our/their mortgage, savings, including those of our commercial partners whose products and services can be purchased through us. This may include information about our/their mortgage, savings, investment, and pensions products, general insurance products, financial planning and services such as credit cards, loans, and mortgage broking services.
Under the Data Protection Act, you have certain rights to see a copy of personal information which we hold about you upon payment of a fee by writing to the Legal Services Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL. We may monitor and record telephone calls for training and security purposes.
© Newcastle Building Society Limited. All rights reserved.
Updated October 2007.
Alternative Format
We are committed to providing a full range of products and services for all our customers, including those with a visual impairment. With this in mind we are able to provide information about the above products in large print or in audio cassette format.
If you would like more details, or would like to register to receive correspondence in an alternative format please contact us on 0845 608 1313.
Newcastle Building Society (NBS) is authorised and regulated by the Financial Services Authority (FSA) and is entered in the FSA's register under number 156058. We are permitted to advise on, arrange, enter into and administer mortgages and permitted to advise on, arrange and administer general insurance. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by cfontacting the FSA on 0845 606 1234.
- 1. Society Details
- 2. Codes of Practice
- 3. Terms & Conditions of Website Use
- 4. Privacy Policy
- 5. Alternative Format
Society Details
Newcastle Building Society is an Introducer Firm to Newcastle Financial Services Limited which is a Representative only of Zurich Advice Network Limited. Zurich Advice Network Limited, regulated by the Financial Services Authority, represents only the Zurich Financial Management Marketing Group for its life assurance, pension and investment products.
Newcastle Building Society is authorised and regulated by Financial Services Authority www.fsa.gov.uk/register/ and is entered in the Financial Services Authority Register under number 156058. We are permitted to advise on, arrange, enter into and administer mortgages and permitted to advise on, arrange and administer general insurance. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.
The Society is an introducer to Fidelity Investment Limited for Investment funds business. The Society will not provide advice or recommend any funds. The service provided by the Society via this Website from Fidelity Investment Limited is provided on an execution-only basis. The service provided by Fidelity Investment Limited is governed by the Fidelity Investment Limited Terms and Conditions which you should read carefully before using this service.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. We are covered by FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance - Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Mortgage - Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Further information about compensation scheme arrangements is available from the FSCS.
The Newcastle Building Society is a participant of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Payments under the Scheme are limited to a maximum payment of £31,700, i.e. 100% of the first £2,000 of an investors total shares and/or deposits in a society, and 90% of the next £33,000. Most investors are covered, including individuals and small firms. A small number of categories of shares and deposits are not covered (for example deferred shares - permanent interest bearing shares). Although most shares and deposits are denominated in sterling, all other currencies are covered.
Codes of Practice
The Society fully supports The Banking Code.
Terms and Conditions of Website Use
Please read the following terms and conditions carefully that relate to your access and use of this Newcastle Building Society (the "Society") Website. By accessing any part of this Website, you agree to be bound by these terms and conditions. If you do not accept any of these terms and conditions then stop accessing this Website and do not use any online services.
1. The Society controls and maintains this Website from England and the material and information contained in this Website is directed solely at people who are resident or ordinarily resident in the UK. The products and services described on this Website are only available to UK mainland residents. The material and information on the Website may not satisfy the laws or regulations of any other jurisdiction and it is your responsibility to observe these restrictions. The material or information should not be distributed or accessed by any person in any such jurisdiction. You accept that your use of this Website and any material or information on the Website is subject to English law and if any dispute arises from your use of this Website or material or information contained on it that such dispute will be heard in the English courts.
2. The information and material on this Website should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other financial services or banking product of the Society or any other issuer. All products and services described on this Website are subject to availability. If you are unsure about whether a product is suitable you should contact an independent financial advisor.
3. We have the right to suspend access to this Website at any time without notice for any reason and we have the right to amend these Terms and Conditions or the content of this Website at any time and you should therefore revisit these Terms and Conditions regularly.
4. All of the contents that may be available on this Website including but not limited to all text, graphics, links, marks, logos, trade marks and sounds are the intellectual property of the Society or its licensors and protected by intellectual property laws and may not be used, copied, downloaded, distributed or published in any way without the Society's prior written consent.
5. We may monitor and record your telephone calls with the Society in the interests of security and to assist with staff training.
6. You agree that any and all personal information you provide to us via this Website may be processed in accordance with our current Privacy Policy as set out on this Website.
7. You agree not to access, use or post information via this Website in any way that: is defamatory, obscene, abusive, indecent or menacing or which infringes any intellectual property rights or breaches obligations of confidence which are otherwise illegal or unlawful introduce a virus or other disruptive program is not authorised by the Society or is in breach of these Terms and Conditions.
8. The material and information provided on this Website is for general information only. Although we have made reasonable efforts to ensure that the content of our Website is accurate, we do not represent that this is the case and it should not be relied upon without consulting primary or more accurate or up to date sources of information.
9. Due to the inherent nature of the Internet, the Society cannot guarantee access to this Website. You accept that the sending and receiving of e-mails over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered or not delivered at all.
10. This Website contains links to other third party sites that are not maintained by the Society. The inclusion of such links on this site does not imply any endorsement of the content of such sites. The Society accepts no responsibility or liability in respect of such sites.
11. In no event will the Society be liable to the fullest extent permitted by law or regulation for any loss or damage arising directly or indirectly including any consequential loss or damage from your use of or access to this Website, howsoever arising.
Privacy Policy
January 2006
The Newcastle Building Society (the "Society") respects the privacy of your personal information. This Privacy Policy sets out our current policies and procedures in relation to your data protection and relates solely to information supplied by you via this website. This Privacy Policy will not alter or affect any personal information otherwise provided by you to the Society. It is important that you revisit this Privacy Policy regularly, as we may from time to time change the content or services available on our website and consequently this Privacy Policy may change.
Any personal details that you supply to us via this website such as your contact details will be stored and held by us on computer databases or otherwise for the purpose of:
- Providing you with the service(s) that you have requested
- Fulfilling any agreement we may have with you
- Providing you with information about any other special offers, products and services that we feel may be of interest to you (unless you inform us that you do not want to receive such direct marketing)
- For assessment and analysis (e.g. market, customer and product analysis) to enable us to review, develop and improve the products and services which we offer and to enable us to provide you and other customers with relevant information through our marketing programme
- To compile statistical analysis of the pages of our website which you visit
- Link online behaviour to subsequent application/registration details, if these are completed
- Evaluate our sites advertising and promotional effectiveness
Site Tracking
In order that we can monitor and improve the site, we gather certain information about you when you use it, including details of your domain name and IP address, operating system, browser, version and the web site that you visited prior to our website. We collect this information through the use of cookies, web beacons and web logs.
Cookies
A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number. Cookies cannot be used by themselves to identify you and are not computer programs, and can't cause any damage to your computer.
Persistent Cookies
Persistent Cookies are created and stored on your computer's hard drive for a period of time to identify it to the site tracking tool. The cookie does not collect any personal information. The cookie we issue contains the following information:
- A uniquely generated random number so that we can differentiate visitors and the expiry date of the cookie
- Session Cookies are temporary cookies that remain in the cookie file of your browser until you leave our site. Session Cookies allow you to carry information across pages of our site and avoid having to re-enter information into calculators, tools, illustrations and demonstrations
Disabling/Enabling Cookies
By modifying the settings of your browser, you may opt to accept cookies, to be informed when one is about to be placed on your computer, or to automatically reject all cookies. However, you will not be able to use all the interactive features of our site or our online savings account if cookies are disabled.
More information on cookies can be found at http://www.aboutcookies.org
Use of Web Beacons
Web beacons (sometimes known as clear or transparent gifs) are used to identify whether a recipient has opened an HTML email. When the email is opened the web beacon generates a record showing that the email has been viewed. Web Beacons may also recognise when the email was opened, how many times it was forwarded and which URL's (links within the email) were clicked.
These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a campaign.
Disabling Web Beacons within Emails
If you do not wish to receive Web Beacons you will need to disable HTML images or refuse HTML (select Text only) emails via your email software.
Data Protection
We endeavour to take all reasonable steps to protect your personal information but cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the Internet and will not hold us responsible for any breach of security unless this is due to our negligence or wilful default.
Please be aware that our site may link to other web sites which may be accessed through our site. We are not responsible for the use of any personal information that you give directly to or are collected via such third party sites. You should read the respective data policies or procedures of these linked websites to find out how they use your information.
In the course of undertaking the activities specified in this privacy policy it may be necessary to transfer data to third parties who provide services to us outside the European Economic Area to countries which do not have data protection laws or to countries where your privacy and other fundamental rights will not be protected as extensively as in the UK. If we do this, we will ensure that anyone to whom we transfer your information agrees to treat your information with the same level of protection as provide in the UK.
As part of its services, the Society may occasionally inform you (by e-mail, telephone, mail or otherwise) about special offers, products and services which we consider may be of interest to you. If you do not wish to receive details through our marketing programme you can opt out of receiving further marketing from the Group by e-mail, telephone or otherwise by contacting the Customer Services Manager at Newcastle Building Society, Portland House, New Bridge Street, Newcastle, NE1 8AL.
Use of Your Personal Information
Newcastle Building Society will hold information about your account(s) for business analysis, fraud prevention and to keep your records accurate and up to date. We, and other companies in our group with the Newcastle name ("the Newcastle Building Society Group") may also use your contact and personal details from your accounts and records within the Group to identify products and services, which may be of interest to you. We may contact you by letter, telephone or email to inform you about products and services, including those of our commercial partners whose products and services can be purchased through us. This may include information about our/their mortgage, savings, including those of our commercial partners whose products and services can be purchased through us. This may include information about our/their mortgage, savings, investment, and pensions products, general insurance products, financial planning and services such as credit cards, loans, and mortgage broking services.
Under the Data Protection Act, you have certain rights to see a copy of personal information which we hold about you upon payment of a fee by writing to the Legal Services Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL. We may monitor and record telephone calls for training and security purposes.
© Newcastle Building Society Limited. All rights reserved.
Updated October 2007.
Alternative Format
We are committed to providing a full range of products and services for all our customers, including those with a visual impairment. With this in mind we are able to provide information about the above products in large print or in audio cassette format.
If you would like more details, or would like to register to receive correspondence in an alternative format please contact us on 0845 608 1313.