Web Terms and Conditions

Welcome to the Atom bank website

Please give these T&Cs a good read before using our site. By using our site you are accepting these terms of use.

If you don’t agree with them, then we’ll have to politely ask you to leave the site.

What you need to know about us

atombank.co.uk is a site operated by Atom bank plc (‘We’ or ‘Our’). We are registered in England and Wales under company number 08632552. Our registered office is at The Rivergreen Centre, Aykley Heads, Durham DH1 5TS. Our VAT number is 204140372.

Atom bank plc is authorised by the Prudential Regulation Authority (PRA). We are regulated by the Financial Conduct Authority (FCA) and the PRA. Our Financial Services Register number is 661960.

Other documents you should read

We will only use your personal data as set out in our Privacy Policy. You should also read our Cookie Policy.

Don’t worry, these aren’t full of legal jargon. We’ve written everything in plain English so it should only take a few minutes to read.

What happens if we need to change anything?

We may make changes to these terms and conditions. Please review these pages from time to time because any changes we make are binding on you.

We may also update our site and change the content at any time. Any of the content on our site may be out of date at any given time, but we try our very best to ensure the information on our site is accurate and to keep it up to date. We’ll also try and keep it free from errors or omissions, but we can’t always promise this.

Using our site

We charge no fee to use our site so you’re welcome to use it as much as you like.

Our products and services are only available within the UK and to UK residents. These products and services, as well as our site:

  • are not guaranteed;
  • may not always be available or uninterrupted; and
  • could be subject to change or withdrawal at short notice.

You’re responsible for making all arrangements necessary for you to have access to our site.

You must ensure any user that accesses our site via your internet connection is aware of these and any other applicable terms and conditions. You’re also responsible for ensuring they follow them.

Copyright and trademark statement

We own or have licensed all the designs, logos and material and they’re protected by copyright law with all rights reserved. This includes:

  • Atom
  • Atom bank
  • Digital Mortgages by Atom bank

These are registered trademarks of Atom Bank plc.

You may print and download extracts of any page(s) from our site for your personal use. You may draw the attention of others within your organisation to content posted on our site.

You must not change the paper or digital copies of any materials you have printed off or downloaded in any way.

You must not use the following without any relevant accompanying text:

  • illustrations;
  • photographs;
  • video or audio sequences; or
  • any graphics.

You must always acknowledge our status (and that of any identified contributors) as authors of content on our site.

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

Using the information on our site

We provide the content on our site for general information only. It is not intended to amount to advice on which you should rely.

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

Our liability to you

We do not exclude or limit, in any way, our liability to you where it would be unlawful to do so.

This includes liability for:

  • death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; and
  • fraud or fraudulent misrepresentation.

We exclude all implied:

  • conditions;
  • warranties;
  • representations; or
  • other terms that may apply to our site or any content on it,

to the maximum extent permitted by law.

We will not be liable for any losses as a result of your use of our site. This applies whether they are direct or indirect and arising from your use or inability to use our site. The only exception is in the case of any loss occasioned by fraud.

Our site, or any content on it, may not always be available or uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if, for any reason, our site is unavailable at any time or for any period. We will also not be liable for any use of or reliance on any content displayed on our site.

We will not be liable for any loss or damage caused by:

  • a virus;
  • a distributed denial-of-service attack; or
  • any other technologically harmful material

that may infect your:

  • computer equipment;
  • computer programs;
  • data; or
  • other proprietary material.

due to your use of our site or due to your downloading of any content from it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. You should not interpret any such links as an endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

In particular, where we will not be liable for any loss or damage, we will not be liable for any:

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

Technologically harmful material (viruses, malware etc.)

We always try to check our site, but we can’t guarantee it will be secure and free from bugs and viruses. With this in mind, we recommend using your own virus protection software.

We have optimised our site to ensure that it works across many platforms. But you may still need to configure your computer programs, platform and systems to access it.

You must not:

  • Misuse our site by knowingly introducing material that is malicious or technologically harmful. This includes but is not limited to viruses, trojans, worms and logic bombs.
  • Try to gain unauthorised access to our site, its server or any server, computer or database connected to our site.
  • Attack our site via a denial-of-service attack or a distributed denial-of service attack.

If you breach these provisions, you would commit a criminal offence under the Computer Misuse Act 1990.

We will report any such breach to the relevant law enforcement authorities. We will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site ceases immediately.

Feedback

As part of your use of our website, you may choose to provide us with suggestions, comments or other feedback (“Feedback”) with respect to the website or our other services. You hereby assign to Atom absolutely with full title guarantee all your right, title and interest in and to the Feedback and agree that Atom shall have all right, title and interest in and to such Feedback.

Linking to our site

We’d like you to spread the word about Atom bank. We do ask though that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

Please don’t link to our site in a way that suggests any association, approval or endorsement on our part where none exists. We also ask that you don’t link to our site to suggest any association, approval or endorsement to any website that is not owned by you.

You must not frame our website on any other site.

We reserve the right to withdraw linking permission without notice.

The website you’re linking from must follow the content standards set out on our site and in these terms.

Want to use content on our site other than that set out above? Contact us at customersupport@atombank.co.uk.

Third party links and resources on our site

We may link to some third party websites on our site. We provide these links for your information only. We have no control over the contents of those sites or resources. Inclusion of these links is not an approval by us of these sites or the information they provide.

Applicable law

These terms and your use of our site are governed by English law. You and Atom both agree that the courts of England and Wales will have exclusive jurisdiction.

There is an exception if:

  • You are a consumer and resident of Northern Ireland, you may also bring proceedings in Northern Ireland
  • You are a consumer and resident of Scotland, you may also bring proceedings in Scotland

Accessibility and alternative formats

We’re committed to making this site usable for everyone.

If you have any problems accessing or using anything on the website or you need these T&Cs supplied in another format please let us know.

Get in touch with us by calling 0333 399 0050 or emailing us at customersupport@atombank.co.uk.

Talk to us

If you’ve got any questions, comments or suggestions, let us know. The best way to get in touch is by emailing us at customersupport@atombank.co.uk.

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 site or service, or want to complain, you can let us know by going to https://www.atombank.co.uk/how-to-complain/ and following the steps that 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/.

Website T&Cs_v2.0. Effective from 05/08/24.