Important information for users of this site

This Site is governed by English law and any dispute or legal action shall be dealt with by the English courts.

This web site is only for the information of authorised users which excludes users who are prohibited under the applicable laws of their citizenship, domicile or residence from receiving such information or receiving such information in the format presented on this web site.

Please note that the information available on this web site may change from time to time.

We shall have no liability if you are unable to use the MySave Online Savings Service because of the failure of any machine, data processing system or transmission link or anything else beyond our, or our agents reasonable control.

We have taken reasonable steps to ensure that electronic mail and other transmissions passing over the Internet are not interfered with by third parties. However, we cannot guarantee the privacy or confidentiality of any information passing over the internet or that it will not be interfered with.

The content of these pages are the copyright of Nationwide Building Society. The copying or incorporation into any other work of part or all of this material available on the web site in any form is prohibited except for printing or downloading extracts of the material on this site for your personal use.

These conditions govern the use of the MySave Online Savings Service and form part of, and are to be read together with, the terms and conditions which apply to your account.

Meaning of words and expressions

In these conditions the following words and expressions have the following meanings:

"account" means your MySave savings account(s) with us which is either in your own name or held jointly with somebody else;
"userid" means the 10 digit number we give you which lets you use the MySave Online Savings Service;
"memorable data" means your personal memorable data which we can use to check your identity
"our/us/we" means Nationwide Building Society;
"you/your" means the person(s) registered for the MySave Online Savings Service.

MySave Online Saving Service

2.1 You can access the MySave Online Savings Service provided the equipment you use meets our minimum compatibility requirements (full details are available at www.nationwide.co.uk/internet_banking). You must ensure your equipment continues to meet these requirements, that it remains fully operational and that you take all reasonable measures to keep it virus free.

2.2 You can use the MySave Online Savings Service 24 hours a day. Occasionally you may not be able to use the service for example when we carry out maintenance or updates. In circumstances where we know access to MySave Online Savings may be interrupted we will do our best to notify you in advance.

2.3 You can tell us at any time that you no longer want to use the MySave Online Savings service. You can either perform a closing transaction or tell us in writing or by telephone. If you tell us by telephone we may ask you to confirm this in writing. We will continue to carry out any transactions you have already authorised unless you also ask us not to do so and provided it is not too late to amend or cancel those transactions.

Security data

3.1 We will send you a userid so you can use the MySave Online Savings Service.

3.2 Each time you use the MySave Online Savings Service we will ask you to give us your userid, password and three requested digits or characters from an item of your memorable data. This is so that you can prove, and we can authenticate, your identity.

3.3 Once registered for the MySave Online Savings Service you must always keep your memorable data and password secret. If you write them down you must make a sufficient attempt to disguise them. You must not tell anybody else your memorable data or password.

3.4 You must tell us as soon as you can if you know or think somebody else knows your memorable data and password. You must do this by sending us an e-mail to customer.service@savings.nationwide.co.uk or by telephoning our Customer Service Team on 0800 464 3015. We are open from 8am to 8pm Monday to Thursday, 8am to 6.30pm on Fridays, 9am to 5pm on Saturdays and 10am to 4pm on Sundays.

3.5 As soon as you tell us you know or think somebody else knows your memorable data and password we will prevent transactions being carried out on your account using the MySave Online Savings Service.

3.6 You will not be liable for a MySave Online Savings transaction on your accounts which was not carried out by you or for access to or use of your accounts by someone else, except in the following cases:

You authorised the carrying out of the transaction or the access to or use of the account
You acted with gross negligence, which includes failing to follow the safeguards in conditions 3.1 and 3.3 above or the action detailed in condition 3.4 above
You acted fraudulently

If you dispute that you have carried out a transaction on the MySave Online Savings Service, we will expect you to co- operate with us and the police in any investigations. We may give the police and our insurers any information we consider relevant, to enable them to carry out investigations.

3.7 If we believe or suspect fraudulent or suspicious transactions are being carried out on your account we reserve the right to suspend access to all or part of the MySave Online Savings Service.

Acting on your instructions

4.1 We will carry out transactions on your account following instructions you give us or which seem to us to be given by you through the MySave Online Savings Service. This is provided the correct memorable data, userid and password are quoted.

4.2 We reserve the right not to act on any instructions which would mean you would not be keeping to these conditions or those applying to your account. For example, we will not allow a transaction if it will create an overdraft or exceed an agreed overdraft.

4.3 If we decide not to carry out a transaction we will not be responsible for any loss or damage you suffer because of that decision. We will normally tell you why we are not prepared to carry out a transaction on the MySave Online Savings Service.

4.4 If, because of something beyond our reasonable control or the reasonable control of those acting on our behalf, we are unable to let you carry out a transaction using the MySave Online Savings Service, we will not be responsible for any loss or damage you suffer as a result. An example of when this may happen is when a PC, browser or other equipment necessary to use the MySave Online Savings Service is faulty or out of order.

Joint accounts

5.1 If you have a joint account then any one of you may use the MySave Online Savings Service but you must use your own userid, password and memorable data. To be able to use the MySave Online Savings Service your account must be set up so that any one of you can authorise transactions on your own. The MySave Online Savings Service is not available if holders are required to authorise transactions jointly.

5.2 As a joint account holder these conditions apply to you individually and jointly with the other account holder.

5.3 As soon as one of you tells us another joint holder is no longer allowed to authorise transactions, or if we think transactions should be authorised by you all jointly, we will suspend the MySave Online Savings Service on that account.

General

6.1 We may vary these conditions by telling you. We will do this by sending details about changes either in writing, or by e-mail, or by display in branches, or by advertisement, or notice within the MySave Online Savings Service. We will normally give you reasonable notice before any change takes effect unless it is not practical or possible to do so, in which case we will tell you as soon as we can after the changes take effect.

6.2 We reserve the right to introduce a charge for using the MySave Online Savings Service but we will give you reasonable notice before we do so.

6.3 We have taken reasonable steps to ensure that e-mail and other transmissions passing over the Internet remain confidential and are not interfered with. However, we cannot completely guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with and by using the MySave Online Savings Service you are prepared to give us instructions on this basis.

6.4 If you contact us by telephone we may record or monitor calls in order to avoid possible misunderstandings and help maintain customer service.

6.5 These conditions are subject to English law.

Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW