Terms of use

We don’t like to do small print, but just for clarity: please read this carefully before using www.starlingbank.com (“our site”).

Starling Bank is the trading name of Starling Bank Limited, a UK registered company founded by a group of people passionate about making a real difference in retail banking.

We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

Terms of website use for our site

These terms of use (together with the documents referred to in it) let you know the terms on which you can use our site www.starlingbank.com – whether as a guest or a registered user. That includes accessing, browsing, or registering to use our site. We recommend that you print a copy of this for future reference. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, which lets you know the terms on which we process any personal data we collect from you, that you provide to us or that you receive from other sources. By using our site, you consent to us collecting your data,the terms of the Privacy Policy and you confirm that all the data you provide us with is accurate.
  • Our Cookie Policy, which gives you information about the cookies on our site.

Information about us

starlingbank.com is a site operated by Starling Bank Limited (“We”). We are registered in England and Wales as:

We are:

Starling Bank Limited (No. 09092149),
4th Floor, Norfolk House,
31 St James’s Square,
London SW1Y 4JR.

You’ll find the growing Starling team working at the same location.

No reliance on information

The content on our site is provided for general information only. It’s not intended to be taken as advice on which you should make any decisions. If you want advice, you must get it from a professional before doing, or not doing, anything on the basis of the content on our site.

Although we try to make sure the information on our site is current, we make no representations, warranties or guarantees, either express or implied, that the content on our site is accurate, complete or up-to-date.

Changes to these terms

We may revise these terms of use at any time by amending this page. Please check it from time to time to take notice of any changes we could make, as they’re binding on you.

Changes to our site

We may update our site from time to time, and may change its content at any time. However, please note that any of the content on our site may be out of date at any given time, and we’re under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available to you free of charge. We don’t guarantee that it, or any content on it, will always be available or uninterrupted. Your access to our site is permitted on a temporary basis. We can suspend, withdraw, discontinue or change all or any part of our site without notice. We are not liable to you if, for any reason, our site is unavailable at any time or for any period.

You’re responsible for making the arrangements necessary to access our site. You’re also responsible for making sure that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Our site is directed to people residing in the United Kingdom. We don’t claim that content available on, or through, our site is appropriate or available in other locations. We may limit the availability of our site or any of its services or products to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.

Intellectual property rights

We’re the owner or the licensee of all intellectual property rights in our site and in the material published on it. Those works are protected by laws and treaties around the world, including in relation to copyright and trademarks. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our request, return or destroy any copies of the materials you have made.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it – expressed or implied.

We are not liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, in connection with any of the following:

  • Use of, or inability to use, our site.
  • Use of or reliance on any content displayed on our site.

If you’re a business user, please note that in particular, we will not be liable for:

  • Loss of profits, sales, business, or revenue.
  • Business interruption.
  • Loss of anticipated savings.
  • Loss of business opportunity, goodwill or reputation.
  • Any indirect or consequential loss or damage.

If you’re a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity if you do.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to you downloading of any content on it, or on any website linked to it.

Our site sometimes contains links to other sites and resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses. It’s up to you to configure your information technology, computer programmes and platform to access our site, and you should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs, any other malware or other material which is malicious or technologically harmful or detrimental, in any way to us, or any third party. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and possibly other laws. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Applicable law

If you’re a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you’re a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Trade marks

Starling is our UK registered trade mark in certain categories.