We’ve set some rules for using our site, so please read this document carefully before using our site.
In these terms of use, ‘our site’ means www.starlingbank.com and each of its webpages and subdomains (including help.starlingbank.com and settleup.starlingbank.com).
Please remember to read our online banking terms before you use online banking.
About us
Starlingbank.com is owned and provided by Starling Bank Limited, a company registered in England and Wales as Starling Bank Limited (No. 09092149), 5th Floor, London Fruit and Wool Exchange, 1 Duval Square, London, E1 6PW.
Starling Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.
When we say ‘Starling’ ‘we’, ‘our’, or ‘us’ in these terms, we mean Starling Bank Limited. When we say ‘you’ or ‘your’, we mean the person whose name the account is under.
About these terms
These terms of use (together with the documents referred to in it) let you know the terms on which you can use our site – whether as a guest or as a Starling customer. That includes accessing and browsing our site. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you don’t agree to these terms of use, you must not use our site.
Other terms that apply
These terms of use refer to the following additional terms, which also apply to your use of our site:
- Our Privacy Notice, which sets out the personal data we collect from you, and how we use it. By using our site, you consent to the terms of the Privacy Notice, and you confirm that all the data you share with us is accurate.
- Our Cookie Policy, which gives you information about the cookies on our site.
- Our Online Banking Terms, which apply to the online banking platform that you can log into from our site.
Content on our site
The content on our site is provided for general information only. It’s not intended to be taken as advice or recommendations. If you want advice, you must get it from a professional before doing (or not doing) anything based on the content on our site.
Although we try to make sure the information on our site is current, the site and the information on it is made available on an ‘as is’ basis. When we give you access to the site, this is done in whatever condition the site currently exists in. This means we won’t guarantee there will never be any faults or issues with the site, or that it’ll always be available to you.
Changes to these terms
We can make changes to these terms of use at any time by updating this page. Please check it from time to time to see if there are any changes that affect you. By continuing to use and access our site, you agree to these terms, and any changes we make to them.
Accessing our site
Our site is made available to you free of charge. 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’re not responsible for any loss or damage you suffer 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 anyone who accesses our site through your internet connection is aware of these terms of use and other applicable terms and conditions, and that they comply with them.
You must not use this site for any commercial purposes unless we’ve given you the right to do so. If you are a personal customer, our site should only be used for your personal use, as set out in these terms and your account schedule. If you’re a business customer, our site should only be used for business account purposes as set out in these terms and your account schedule.
Our site is intended to be accessed by people who live in the United Kingdom. If you choose to access our site outside the United Kingdom, you’re responsible for making sure it’s lawful to do so in that country. You’re responsible for complying with those local laws. We’re not responsible for any loss if you break local laws.
We may stop or prevent anyone outside of the United Kingdom from accessing our site or its content at any time.
Intellectual property rights
‘Intellectual property’ in this document means things we’ve (or someone on our behalf has) thought of or invented. When we say our ‘intellectual property rights’ we refer to the rights that we have to own and use those inventions or creations.
We own all intellectual property rights in our brand and name, our content and the site. When you use our site and our material, you acknowledge that we’re the lawful owners. We also ‘licence’ our intellectual property to people other than you, which means while we own these rights, we sometimes give others permission to use our intellectual property. Other than the licence to access and use the site as set out in these terms, you won’t be given any rights related to our intellectual property.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use. You may also share content posted on our site with others but you must make them aware of these terms when doing so. You must not modify the paper or digital copies of any content you’ve printed off or downloaded in any way. You also must not use any illustrations, photographs, video, audio or graphics separately from any accompanying text.
If we think you’ve breached these terms of use, we’ll immediately remove your right to use our site, and you must stop using our site. If we ask you to, you must also return or destroy any copies of our materials you have made.
Our responsibilities
If we don’t keep to these terms and conditions, we’ll be responsible for any losses (such as money) you suffer as a result. We won’t be responsible for anything outside of our control, or anything we couldn’t have predicted beforehand.
Our site may contain links to other websites not connected to Starling. These links are provided for your information only, and we don’t promote or endorse these sites. We have no control over the contents of those sites or resources. We’re not responsible for the information these websites provide or how they use your information.
Malware
You use our site and our content at your own risk. We do not guarantee that our site will be secure or free from bugs or malware. It’s up to you to set up 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 trojans, worms, logic bombs, any other malware (including viruses) or other material which is in any way malicious or technologically harmful or detrimental 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 through a denial-of-service attack or a distributed denial-of service attack.
The law that applies
If you have a personal account, our agreement and any legal disputes related to it will be governed by English law and handled exclusively in the English courts. However, if you live in Wales, Scotland or Northern Ireland, either you, or us, can also bring a claim in the courts of the country you live in.
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.
Third-party intellectual property
Our site may contain trademarks owned by or licensed to third parties.
One of these third parties is the Post Office Limited (the ‘Post Office’). You must not copy or reproduce their trademark in any way without getting explicit written permission from the Post Office first.
Where our site features trademarks owned by or licensed to any third party, we do so under a licence from that third party. The third party remains the owner of all rights in those trademarks.