This section and the following sections of this document form the legal agreement for your account:
- Our savings promises to you;
- Cash ISA General Terms and Conditions; and
- Communicating with you.
The legal agreement for your cash ISA will also include the interest rate and the Key Product Information we have provided to you that apply to your account and any other document we have provided to you indicating that these were additional terms.
If we talk about the “agreement” or the “terms and conditions” in this document, we mean the information we describe above. Our right to change the “terms and conditions” will apply to any of this information. You can ask for a copy of it at any time.
The agreement is between the account holder (who we may refer to as “you” or “account holder” in the agreement) and us, Nationwide Building Society, Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1 NW (who we may refer to as “us”, “our” or “we”).
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA’s website fca.org.uk or by contacting the FCA on 0800 111 6768. Our VAT Registration Number is: GB 485 9633 89.
The agreement, the operation of the account and any discussions we’ve had with you about entering into the agreement, will be governed by English Law and the language we use in the agreement and our communications will be English. If you want to bring a claim against us in the courts, the courts of England and Wales will be able to deal with any questions relating to the agreement, but if you live in another country, you can bring a claim in the courts which are local to you.
In the case of any conflict between these terms and conditions and the HM Revenue & Customs ISA regulations, these terms must then be read in a way which means that they comply with the regulations.