General Online Terms and Conditions

Definitions

In these conditions the following words shall have the following meanings:

'The Account' means any AA Internet Savings Account held with us.

'We', 'us', and 'our' means Birmingham Midshires, a division of Bank of Scotland plc.

'You', 'your', and 'yourself' mean the person(s) who has (or have) entered into this agreement with us.

'Additional security details' means the additional information you give us to help us to identify you.

'Identity details' means the access token we provide to you.

'Username' and 'Password' mean the name that we provide to you and the password you choose to identify yourself when you use our online service.
Using the service
1. These conditions apply to your use of our online service in relation to the Account. They explain the relationship between you and us in relation to our online service. You should read these conditions carefully to understand how these services work and your, and our, rights and duties under them. If there is a conflict between the conditions set out in this Part, and those set out in General Conditions, these conditions will apply. This means that, where there is a conflict between, these General Online Terms and Conditions and the Special Conditions, the Special Conditions will apply.
2. In this paragraph 'we' means Birmingham Midshires and The AA. 'The AA' means any company from time to time forming part of the AA group of companies. By registering to use our online service, you accept these conditions and agree that we may communicate with you by email or through our web site. You must have a valid and current email address to enable you to open and operate the Account. We will not be liable if you use for the purposes of opening and operating the Account an email address which you are not entitled to use for these purposes (for example your employer's email address). We may also telephone you or write to you about the Account or to let you know about other products available from the AA and the HBOS plc group of companies. If you do not want us to write to you or telephone you about other products, you should contact us on 0845 602 6203.
3. When you use our online service you must follow the instructions we give you from time to time. You are responsible for ensuring that your computer, software, and other equipment is capable of being used with our online service.
4. Our online service is secure. Disconnecting from the Internet will not automatically sign you off. You must always use the sign off facility when you are finished and never leave your machine unattended while you are signed in. As a security measure, if you have not used the site for more than a specified period of time we will ask you to sign in again.
Security
1. Once you have registered with our online service you must provide us with your username and identity details before we will allow you to use the services for the first time. We will send your username by post and identity details by email and you are responsible for ensuring that any email address you provide to us is safe and secure, and cannot be accessed or intercepted by any other person.
2. Every time you use our online service you must give us your username, your password, and the answer to an additional security question.
3. You can change your password online by following the instructions on the screen.
4. For administration or security reasons, we can require you to change your password before you use (or carry on using) our online service.
5. You must not write down, store (whether encrypted or otherwise) on your computer or mobile phone handset or anywhere else, or let anyone else know, your password, identity details, or additional security details, and the fact that they are for use with your account.
6. If you become aware that someone has unauthorised knowledge of any of your other bank details, you must tell us immediately as the details of your account with us may also be compromised.
7. If you think that someone else knows your password or any of your additional security details or identity details, or has used any of them to use our online service, you must do the following:
  1. For your password, change it online as soon as possible. If you have difficulty changing your password, you must phone the AA Savings Team on 0845 602 6203 immediately. You can give the Helpdesk your username if you phone them to change your password.
  2. For your additional security details, you will need to phone the Helpdesk on 0845 602 6203 immediately to change your additional security details.
8. We will require you to obtain a crime reference number from the police if you believe someone has fraudulently used your account. We may give the police or any prosecuting authority any information they need if we think it will help them find out if someone else is using or has used your username, password, or any of your additional security details. In these circumstances you must provide us with all reasonable assistance we require.
9. We may keep any emails sent to or from us. We do this to check what was written and also to help train our staff.
10. If we think that:
  1. someone else is trying to use our online service for your accounts;
  2. the wrong username, password or any of your additional security details has been used for your account;
  3. you or someone else is using our online service illegally;
  4. you are not keeping to these conditions or any of the conditions of your account or of any other accounts you hold with us (whether of this type or any other); or
  5. your username, password, or any of your additional security details might be known or used by someone else,
  we can stop you (or someone else) using our online service. We will tell you as soon as possible if we do this.
11. We may require you to provide one or more of the additional security details and/or enter your password again before we accept instructions about your account
12. You must not tell anyone your password or additional security details. You can give the Helpdesk your username if you need help to change your password or you need to report that someone else knows your password, username, or additional security details.
Your liability
1. You are responsible for all instructions and other information sent using your username, password, or additional security details.
2. You will not be held responsible for any instructions or information sent after you have told us that someone knows your password or additional security details provided that you have not acted fraudulently or with gross negligence. Failure to keep your password, identity details and additional security information secret may be considered grossly negligent.
3. We do not accept responsibility for any loss you or anybody else may suffer because any instructions or information you send us are sent in error, fail to reach us, are otherwise intercepted, or are distorted.
Changes to these conditions
1. We may change these conditions as set out in our Online Conditions for any reason by publishing the amended conditions on our web site. Please see our General Conditions and Specific conditions to find out how we can change the conditions set out in those Parts.
2. We may send all written notices to you at the last email address you gave us. You must let us know immediately if you change your email address, to make sure that we have your current and valid email address at all times. To inform us of a change of email address, you must contact our AA Savings Team on 0845 602 6203. We will not accept an email sent into us from a new email address as proof of an email address change.
General
Our online service is available to UK residents only. If you reside outside the UK you can only use our online service to view information but not to open accounts or perform any transactions. If you want to use the service outside the UK to view information only you must check local regulations to make sure it is legal to do so. English law will apply to these conditions and any disputes arising will be subject to the exclusive jurisdiction of the English courts.