Access to and use of this website, under the domain name www.firstscottish.com (“our site”), is provided subject to the following terms and conditions together with the documents referred to therein (“the conditions”) . Use of any part of our site constitutes your acceptance of all the conditions. Please read the conditions carefully before you access any other pages of our site. If you do not accept the conditions in full you must cease to use this site immediately. The site is operated by First Scottish Group Limited, being a company registered in Scotland under Company Number SC204657 and having its registered office at c/o First Scottish, St Davids House, St Davids Drive, Dalgety Bay, KY11 9NB or any holding, associated or subsidiary company thereof (“we” or “us”).

ACCESS
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of the conditions.

USE
You agree to use our site for lawful purposes only and we reserve the right, at our sole discretion to deny any user access to all or part of our site, without notice. We reserve the right to change or revise all or any part of the conditions at any time by posting changes on-line. By your continued use of our site after changes to the conditions are posted, you will be deemed to have accepted any changes made.

COPYRIGHT
All intellectual property rights in our site (including but not limited to copyright, database rights and trade marks) are owned by or licensed to us. You may view or download one copy of any part of our site for private use only, but otherwise you may not reproduce, store, distribute or transmit any part of the content of our site without our prior written consent or express permission to do so under the conditions. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way.

DISCLAIMER
Our site and the contents therein are provided on an “as is” and “as available” basis and we make no, and expressly exclude all, representations or warranties of any kind with respect to our site or its contents, or any content on or accessed through our site, including, without limitation, fitness for a particular purpose, accuracy, timeliness or completeness. We, including all directors, other office holders, employees or other representatives exclude to the fullest extent permitted by law: –

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
• loss of income or revenue;
• loss of business;
• loss of profits or contracts;
• loss of anticipated savings;
• loss of data;
• loss of goodwill;
• wasted management or office time; and
• any other loss or damage of any kind, however arising and whether caused by delict (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

RELIANCE ON INFORMATION POSTED
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
We collect and process information about you in accordance with our Privacy Policy. By using our site, you agree that we may collect and process information about you and you warrant that all information you provide is accurate.

LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

LINKING FROM OUR SITE
Links to third party websites are provided for information only. We do not accept any responsibility for such websites or the contents therein or for any loss or damage that may arise from your use of them.

ENFORCEABILITY AND JURISDICTION
If any of the conditions should be determined illegal or unenforceable then to the extent it is illegal or unenforceable it shall be deleted and the remaining conditions shall survive in full force and effect. The conditions and any relationship established with you via this site shall be governed by and construed in accordance with Scots Law and any disputes arising shall be subject to the non-exclusive jurisdiction of the Scottish Courts.