Terms of Use

Last updated: January 2026. This is a template to be reviewed by your legal adviser before publication.

1. Acceptance of terms

By accessing this website you agree to these Terms of Use. If you do not agree, please do not use the site.

2. Use of the website

You may use this site for lawful, personal purposes only. You must not attempt to gain unauthorised access to our systems, introduce malicious code, or use the site in any way that could damage or impair it.

3. Online banking

Access to online and mobile banking is governed by your separate account agreement. You are responsible for keeping your login details and one-time passcodes confidential.

4. Intellectual property

All content on this website, including text, graphics and logos, is owned by or licensed to Spring Wells Consolidated and is protected by law. You may not reproduce it without permission.

5. No financial advice

Information on this site is for general guidance only and does not constitute financial advice. Rates and product details are subject to change.

6. Limitation of liability

We take care to keep this site accurate and available, but we do not warrant that it will be uninterrupted or error-free, and we are not liable for losses arising from its use to the extent permitted by law.

7. Changes

We may update these terms from time to time. The current version will always appear on this page.

8. Governing law

These terms are governed by the laws of England and Wales.