Terms and Conditions, our Cookies Policy and Privacy Notification.

Information about us including website terms and conditions, our use of cookies and Vida's Privacy Notification


By using this website you are agreeing to comply with and be bound by the following terms and conditions of use which, together with our Privacy Policy and Cookie Policy govern our relationship with you in relation to this website.

Please feel free to contact us with queries, requests, or comments you may have about our terms. To contact us, please use the following details:

Email: hello@vidabank.co.uk

These terms and conditions only cover your use of the website. Our products have their own terms and conditions, and you should read those if you are interested in any product. Our products and services are subject to availability and may be withdrawn or varied at any time. If the product terms and conditions are different from the site terms it is the product ones that apply.

Vida Group Holdings Limited and its subsidiary Vida Bank Limited (trading under the names “Vida Bank”, “Vida Homeloans” (for mortgage lending and services) and “Vida Savings” (for retail savings accounts)).

Vida Group Holdings Limited is a company registered in England Wales under company number 09828204.

Vida Bank Limited is a company registered in England and Wales under company number 09837692.

Vida Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number: 738741).

Registered office and main trading address is located at 1 Battle Bridge Lane, London, SE1 2HP.

This website is intended for UK residents only.

Whilst we take all reasonable steps to ensure our website is operating correctly and the information is both accurate and up to date, we do not confirm or give guarantee of any kind that our website, or any content on it, will be free from errors or omissions. This means that some information may be incorrect, incomplete or out of date.

We do not guarantee that the website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access the website. You should use your own virus protection software.

Nothing contained on the website is an offer to sell any of our products nor is it financial, investment, legal, tax or other advice. You should obtain relevant and specific professional advice before making any investment decision.

From time to time this website may include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website. We have no responsibility for the content, security or performance of the linked website(s). We recommend you review the linked websites’ privacy policy.

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.

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 to our site in 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.

If you wish to link to or make any use of content on our site other than that set out above, please contact us.

Everything on the website is subject to copyright or other intellectual property rights and all rights are reserved and the information held is for personal use only. This means we own the website and everything on it (including text, images, software, underlying source codes, data, forms, sound, music, graphics, animations, logos and video clips). All material on this website are copyright of us or used under licence.

Our names, brands, marks and logos, including Vida Bank, Vida Homeloans and Vida Savings logos, are all registered trademarks of Vida Bank Limited. Use of our trademarks, names, brands or logos is not permitted unless we have provided our express consent.

You may download or copy extracts for your personal and non-commercial use but not for any other purpose, nor do you have the right to alter anything.

Please note that we may revise these terms at any time without notice. Please check this page from time to time to take notice of any changes as these are binding on you.

We may suspend or stop access to or use of the website without notice for any reason, including the maintenance and updating of the information on it. We reserve the right to amend, alter or add to our website from time to time, and may change the content at any time.

We shall have no liability of any kind in any event including (without limitation) the use or inability to use, or results of the use of our website, any websites linked to it and any materials posted on it for any damages or loss of any kind including (without limitation) a) loss of profit, sales, business or revenues; b) loss of business opportunity; c) business interruption; d) loss of anticipated savings; e) loss of goodwill; f) loss of data; or g) any indirect or unforeseeable loss which may arise from your use of our website.

Nothing in these terms and conditions excludes or limits either our or your liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

Our failure to exercise any rights or enforce any of these terms of use shall not constitute a waiver of such rights or terms.

Use of this website and these terms are subject to the laws of England and Wales and the jurisdiction of the English Courts. By using this website you irrevocably submit to the jurisdiction of the English Courts.

HOW YOUR PERSONAL INFORMATION MAY BE USED BY Vida Bank Limited

Last updated 05.04.2018

Vida Bank Limited Limited is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device. By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply. We reserve the right to make changes to our Cookies Policy. Any changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to such changes

Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience. There are different types of cookies. They all work in the same way, but have minor differences. Persistent cookies Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences.

There are different types of cookies. They all work in the same way, but have minor differences.

Session cookies

Session cookies last only for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.

Many of the cookies we use are session cookies. For example, they help us to ensure the security of your Internet Banking session, and can also keep you signed in to Internet Banking while you move between pages or service your account.

Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.

Persistent cookies

Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device. Lloyds Bank uses persistent cookies in a few ways, for example, to remember your username for log on so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example, our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.

First and third party cookies

whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.

Strictly necessary cookies

these cookies are essential to enable you to move around the website and use its features, and for ensuring the security of your online banking experience. Without these cookies, services such as applying for products and managing your accounts can’t be provided. These cookies don’t gather information about you for the purposes of marketing.

Performance cookies: these cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information thatidentifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Performance cookies

these cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor,although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).

Functionality cookies

These cookies allow the website to remember choices you make (such as your user name). They are also used to identify what type of customer you are based on your behaviour. Using this information we may set your default homepage to that which is most appropriate for your customer type for the next time you visit us (e.g. you will see Private Banking rather than Personal). They may also be used to provide services you request, such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they don’t track your browsing activity across other websites. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari.

Targeting cookies

these cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert.

We use cookies and similar tools across our websites to improve its performance and enhance your user experience. For full details about our cookies, we’ve put together a list of the cookies we use:

First party cookies

We set these cookies and they can only be read by us.

Persistent cookies

We use persistent cookies which will be saved on your computer for a fixed period (usually 1 year or longer). They won’t be deleted when the browser is closed. We use persistent cookies to recognise your device for more than one browsing session.

Session cookies

We use session cookies which are only stored temporarily during a browsing session and will be deleted from your device when the browser is closed.

Third party cookies

We use a number of third party suppliers who also set cookies on Our website in order to deliver the services that they are providing. These cookies are known as third party cookies.

 

Depending on the type of cookies We use, cookies also allow us to make our site more user-friendly. For example, permanent cookies allow us to save your password so that you do not have to re-enter it every time you visit our site. Our site may also use cookies to make sure you don't see the same content repeatedly and/or to deliver content specific to your interests. Details and functions of the cookies used on Our site are set out in the following table:

CookiePurpose
Google analyticsWe use Google Analytics in order to evaluate Your use of the website and complie reports for us on the website. You can learn about Google Analytics cookies by visiting: www.google.com/intl/en/privacypolicy.html
HotjarWe use Hotjar to improve design and user experience of our website by providing statistics on the site useage and pages visited

Our Privacy Notice

If you would like to read the full details of how your personal data may be used, you can access our Privacy Notice on the appropriate link below:
• Customers: Privacy Notice (Use of Information Statement)
• Mortgage Intermediaries: Privacy Notice

Information about us

Vida Bank Limited trading as Vida Homeloans (“Vida Homeloans”, “we” or “us”) is a data controller and gathers and uses information about you. Details of our notification to the regulator for data protection, may be found in the Information Commissioner’s Office Public Register of Data Controllers at www.ico.org.uk under registration number ZA161427.

The www.vidahomeloans.co.uk website and its webpages (the "Site") are also operated by Vida Bank Limited, whose registered office is at 1 Battle Bridge Lane, London, SE1 2HP.

If you require any further information, please contact our Data Protection Officer:
The Data Protection Officer
Vida Bank Limited
1 Battle Bridge Lane
London
SE1 2HP

Email: dataprotectionoffice@vidabank.co.uk
Phone: 01784 4618561

Key summary

The purpose of the Privacy Notice (which is referred to in the terms and conditions governing any loan with us as the ‘Use of Information Statement’) (“the Notice”) is to set out the purposes for which, and the manner in which, we may collect and use personal information that we may obtain about you when you make contact with us or use our services.

We collect data about you when you use our services or when you register as a user of any services provided by us through an intermediary, on this Site and/or by using this Site generally you consent and agree to this use by us. We are committed to protecting your personal data and being transparent about the way we use it. We will use your data for a number of different reasons for example to meet our legal or regulatory obligations.

We have different Privacy Notices depending on your relationship with us and the circumstances in which your data is collected and processed. These are as follows:

Customer Privacy Notice

Intermediary Privacy Notice

The UK General Data Protection Regulation requires Vida Homeloans to manage personal information in accordance with the General Data Protection Regulation Principles. In particular, Vida Homeloans is required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require.

All our employees are personally responsible for maintaining customer confidentiality. We provide training to all employees to remind them about their obligations. In addition, our policies and procedures are regularly audited and reviewed.

We may change our Notice in the future. If we make any substantial and/or material changes and those changes materially affect you, we will inform you of any changes before they take effect.

Your data protection rights

You have a number of rights in relation to your information:

1. The right to be informed
You have the right to be informed about the collection and use of your personal data.

2. The right of access
You have the right to access your personal data. You have the right to ask for copies of your personal information that we hold.

3. The right to rectification
You have the right to ask us to rectify information you think is inaccurate.

4. The right to erasure
You have the right to ask us to erase your personal information in certain circumstances.

5. The right to restrict processing
You have the right to request the restriction or suppression of your personal data in certain circumstances.

6. The right to object
You have the right to object to processing if we are able to process your information because the process is in our legitimate interests.

Cookies

Our website uses cookies. For detailed information on all the cookies we use and the purposes for which we use them please see our Cookie Notice

Disclosure of your information

We will treat your personal information as private and confidential, but may share it with other companies in the Vida Bank Limited group and disclose it outside of Vida Bank Limited if:

a) allowed by this agreement;
b) you consent;
c) needed by our agents, advisers or others involved in running accounts and services for you or collecting what you owe Vida Bank Limited group companies;
d) needed by subcontractors to help us manage your records;
e) HM Revenue & Customs or other authorities require it;
f) the law, regulatory bodies (including for research purposes), or the public interest permits or requires it;
g) required by us or others to investigate or prevent crime;
h) needed by market research companies to assist us in providing better products and services for you;
i) needed by any other parties connected with your account (including guarantors); or
j) required as part of our duty to protect your accounts, for example we are required to disclose your information to the UK Financial Services Compensation Scheme (FSCS).

For information about cookies and how they are used on our Site, visit our cookies policy.

We will always ensure your information remains safe and secure. If you were ‘introduced’ to us by a third party and/or have a relationship, we will give them your contact details and sufficient information about you to help with their accounting and administration. Introducers may use these details to contact you about products and services unless you have asked them not to do so.

The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.

Information we collect about you

If for any reason you are unsure about the personal and account information we are holding in your name, please contact us. We will happily review your file and update the records if required. You have the right to ask us to correct incorrect data which we may hold about you. You also have the right upon applying in writing to obtain a copy of the information held by us about you.

For more information, or to exercise your data protection rights, or if you are unhappy about how your personal data is being used, please contact our Data Protection Officer.

Please note that you can contact credit reference agencies for any data you believe to be incorrect and/or to log a notice of correction.

How to complain

If you have any complaints about the way we use your personal information please contact the Data Protection Officer:

The Data Protection Officer
Vida Bank Limited
1 Battle Bridge Lane
London
SE1 2HP

Email: dataprotectionoffice@vidabank.co.uk
Phone: 01784 4618561

If we cannot resolve any issue, you have the right to complain to the Information Commissioner:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113 ICO website: https://www.ico.org.uk