Application Terms and Conditions

General info

Our agreement

Banking with Atom is straightforward, so we give you information when it’s relevant to you. At this point, our contract with you consists of these App T&Cs. Please ensure you read them so you understand the terms of our agreement with you.

These T&Cs detail the agreement between you and Atom (‘we’/’us’) whenever you use the Atom bank plc Mobile Banking Application (‘the app’). In downloading, installing, copying or otherwise using the app, you accept and are bound by these T&Cs in relation to your use of all Atom products and services accessed by, connected to or using the app.

Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.

Alternative format

Please let us know if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way. Get in touch with us via the Help & Support button in the app, call us on 0333 399 0050 or email customersupport@atombank.co.uk.

Your data

Device data

When you download or use the app, you agree to us collecting technical information linked to the app. This includes data about the:

  • type of device;
  • operating system and related software; and
  • hardware and peripherals you use for internet-based services.

We use this data to enhance app security, provide our services to you and improve our products.

App data

To make sure we’re offering you the best experience we can, we’ll record events within the app. We do this to help with any problems we may encounter, and also to track app usage and make improvements.Events recorded include:

  • Page dwell time
  • Time to complete processes
  • How you use the app

This may also include:

  • The use of location data
  • Connectivity type
  • Technical device specifications

Protecting your data

We encrypt the app and device data we capture and hold it in a secure environment. Some or all of it could be linked to your customer record. This means it is personally identifiable and will help us to offer you the best experience we can.

We encrypt the internal transmission and storage of your location using the highest standards of security technologies and procedures.

Take a look at our Privacy Policy for more information about how we protect your data.

Security and compatibility

Device compatibility

To use the app you’ll need either an Apple© or Android© device. This device must meet our minimum operating system and device compatibility requirements. You can find a list of these on our website at https://www.atombank.co.uk/help/faqs/.

You’re responsible for using a compatible device and operating system for the entire term of any products you have with us. This is to ensure you can access key information about your accounts and/or service them.

If you’re unsure what this means, seek technical advice from the provider of your Apple© or Android© device. You can also contact us via:

Device security

You’re responsible for:

  • keeping your device safe;
  • setting up device access security;
  • installing anti-virus software on your device (where relevant); and
  • logging out of the App when you’ve finished using it.

You must tell us if a device with the app installed gets lost or stolen. You must also inform us if you think someone may have tried to use the app on your device.

App use

Your licence

We grant you a non-exclusive, non-transferable, royalty free licence to use the app as long as you follow our T&Cs. You must also follow the rules or policies of the site you downloaded the app from. This licence applies to any app updates that we provide, unless we issue a new licence with the update.

You understand that you must not distribute, publish or otherwise pass the app on to anyone else. You also understand that the app was not created only for your needs, but was developed for general use.

Connectivity

When you download and use the app, Atom will have access to your Internet Protocol (IP) address. When you use the app, it will connect via your data connection.

The app is only available via the UK App Store© and the UK Google Play© store. You may still be able to use the app if you’re temporarily overseas, but you may not be able to install updates. There are some countries where the app won’t work at all.

Terms of use

(a) You agree not to and you agree not to assist another person to:

  • translate;
  • adapt;
  • vary;
  • modify;
  • violate;
  • circumvent;
  • reverse-engineer;
  • decompile;
  • disassemble;
  • create derivative works; or
  • otherwise interfere with,

any element of the app.

(b) You agree not to use the app in any unlawful manner, for any unlawful purpose, in any manner inconsistent with these T&Cs, or, act fraudulently or maliciously (e.g. by hacking into or inserting malicious code or harmful data into the app or any connected operating system).

(c) You agree not to collect or harvest any information or data from the app or our systems, or, attempt to decipher any transmissions to or from the servers running any service.

(d) You agree not to upload any content to the app or our systems that is or may be considered:

  • violent;
  • threatening;
  • liable to incite racial hatred;
  • in breach of confidence or privacy;
  • discriminatory;
  • defamatory;
  • abusive;
  • unlawful;
  • pornographic;
  • obscene;
  • indecent;
  • profane; or
  • which may cause annoyance or inconvenience.

If you leave Atom, we’d suggest that you remove the app from all your devices, for privacy and security purposes. Before you do, you should save a copy of your account information for future reference. This should include any statements or other important documents.

App updates

From time to time we may update or make changes to the app to:

  • Reflect changes in relevant laws and regulatory requirements;
  • Put in place minor technical adjustments and improvements; and/or
  • Introduce new services.

We recommend that you switch on automatic updates on your device, or check for updates on a regular basis. This will help to ensure you always have the latest version of the app. Some essential updates may be compulsory and you’ll need to update to continue using the app. Some older versions of the app may become obsolete or we may stop supporting them.

We assume you have permission from the owners of any devices you use but don’t own, to download or stream a copy of the app. Either or both of you may be charged by a service provider for internet access on the devices.

Availability

There will be times when we need to carry out planned maintenance on the app. When we do this, all or some of the app features might be unavailable for a period of time. We’ll always try to give you advance notice ahead of any disruption.

Sometimes we may have to undertake unplanned maintenance. This might be due to a technical fault or system error, for example. In these instances, we’ll make every effort to restore your service as quickly as possible.

We are not liable for any consequence arising from the app being unavailable as a result of any technical issue beyond our control. This includes unavailability of connectivity and technical issues with your devices.

Contacting us

Getting in touch

If you experience issues downloading or using the app, contact us:

Got a complaint?

Our aim is to get things right the first time, but sometimes this might not happen. If you’re unhappy with any aspect of our service or want to complain, you can let us know via the Help & Support button in the app. Or go to https://www.atombank.co.uk/how-to-complain and we’ll guide you through our complaints procedure.

We’ll do our best to resolve your concerns. There may be instances where we can’t resolve the complaint to your liking or can’t do so within the stated timescales. The Financial Ombudsman Service (FOS) may be able to help on these occasions. The FOS is an independent organisation, which helps to settle disputes. You can find out more on their website at https://www.financial-ombudsman.org.uk/.

The legal stuff

Changes to these T&Cs

These T&Cs provide you with a licence to use our app and we reserve the right to change them at any time. While we won’t impose any onerous terms on you, you won’t have an option to accept or reject any changes we make, so you should read these T&Cs carefully and only accept them if you’re happy with them.

Intellectual Property Rights

Except as set out below, we’re the owner of the Intellectual Property Rights in the software and the app. Intellectual Property Rights means all vested, contingent and future intellectual property rights. These include but are not limited to:

  • copyright;
  • trademarks;
  • service marks;
  • design rights (whether registered or unregistered);
  • patents;
  • know-how;
  • trade secrets;
  • inventions;
  • set-up;
  • database rights; and
  • any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or in the future created to which we may be entitled.

The rights granted to you are subject to the Intellectual Property Rights in ConfidentID®. These are the property of Daon and are sub-licensed to us globally by Computer Sciences Corporation or its Affiliates.

Apple, the Apple logo, iTunes and App Store are registered trademarks of Apple Inc.

© 2023 Google LLC Android, Google Play and the Android and Google logos are registered trademarks of Google LLC.

Suspension of the App

We can suspend your use of the app at any time if we think it’s reasonably necessary because:

  • we’re concerned about the security of the app;
  • we suspect the app has been used fraudulently or in an unauthorised way; or
  • we have to do so to meet any legal obligations.

We’ll always try to give you advance notice of any suspension. We will not be able to provide notice if doing so is unlawful or would compromise our security measures.

Our right to terminate

We can terminate your use of the app immediately if we reasonably believe you have:

  • broken the terms of our agreement in a serious or persistent way;
  • given us false information at any time;
  • put us in a position where we might break a law, regulation, code or other duty that applies to us if we continue to let you use the app;
  • committed or attempted fraud against us or anyone else;
  • used the app illegally or criminal activity;
  • inappropriately allowed someone else to access your account; or
  • behaved in a threatening or abusive manner towards our staff.

We will notify you as soon as possible after terminating your use of the app.

Applicable law

These T&Cs are governed by the laws of England and Wales. If there’s any disagreement about them, or between us about your use of the app, we each agree that the Courts of England and Wales will deal with the matter.

Liability

You may not always be able to access the app. We’re not responsible for any losses if you cannot do so (for example, if you can’t get a product at a stated price). We’re not responsible if the device you use to access the app or to send or receive information doesn’t work.

We’re not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control and our efforts to the contrary (e.g. failures caused by industrial action, problems with another system or network, third party viruses or malware).

App T&Cs_v3.0. Effective from 05/08/24.