Who do these terms of use apply to?

These terms of use tell you the rules that apply to anyone using the website www.norwichtrust.co.uk and its subdomains (“website”).

References in these terms of use to “you”, “your” and “yours” are all to people accessing the website.

References in these terms of use to “we”, “us”, “our”, “ours”, “company” are all to Norwich Trust Limited, which is:

  • the owner of the website;
  • a company registered in England and Wales under company number 12706211; and
  • authorised and regulated by the Financial Conduct Authority.

Our FCA reference number is 979682.

Our VAT number is 765353512.

References in these terms of use to Norwich Trust Limited, however referred to, include predecessors and successors to its rights and obligations in respect of its business or any part of its business.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms of use to other people.

Who is the website for?

Our financial products referred to on the website are made available by us only to people who live in England, Wales and Scotland.

You must not use the website in connection with any kind of business.

Do not access the website:

  • when you are; or
  • using equipment that is,

located outside the European Economic Area.

To contact us

Please email emailus@norwichtrust.co.uk or telephone our customer service line on 01603 801910

By using the website, you accept these terms of use

By using the website, 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 the website.

We recommend that you print a copy of these terms of use for future reference.

There are other terms that may apply to you

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

  • our privacy policy, that sets out information about how we collect and use personal information about you and other people; and
  • our cookie policy, that sets out information about the cookies on the website.

When this version of the terms of use was first effective

This version of these terms of use came into effect on 2nd January 2024.

We may change these terms of use

We may amend these terms of use from time to time. So, every time you wish to use the website, please check these terms of use to ensure you understand the terms of use that apply at that time.

We may change the website

We may update and change the website from time to time. This may be:

  • to reflect changes to our products;
  • to reflect our users’ needs;
  • due to changes in the way we work;
  • due to changes in, or affecting, our business;
  • to correct errors; or
  • for any other reason.

We may suspend or withdraw the website

The website is made available free of charge.

We do not guarantee that the website, or any content on it, will always be available or be uninterrupted.

We may suspend, withdraw, or restrict the availability of all or any part of the website at any time and from time to time, whether for business, operational, or other reasons.

You are also responsible for ensuring that anyone who accesses the website 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 keep your account details safe

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. You must not disclose it to anyone else.

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 reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect, that someone else knows your user identification code or password, you must tell us promptly by emailing us at emailus@norwichtrust.co.uk.

How you may use material on the website

We are the owner or the licensee of all intellectual property rights in the website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy and may download extracts, of any page(s) from the website for your personal use.

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.

You must not use any part of the content on the website for commercial purposes.

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

Do not rely on information on the website

Although we make reasonable efforts to update the information on the website, we make no representations, warranties or guarantees, whether express or implied, that the content on the website is accurate, complete or up to date.

Information on the website does not constitute advice.

No commitment by us

Our financial products are only provided to people who meet our requirements for borrowers. Nothing on this website is intended to indicate, nor should it be regarded as indicating, a commitment by us that we will provide a financial product to you (or anyone else).

We are not responsible for websites we link to

Where the website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or of information you may obtain from them.

We have no control over the contents of those sites or resources.

Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We only provide the website for domestic and private use. You agree not to use the website 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 defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by installing an up to date version of proprietary software intended to provide you with some level of protection against such damage occurring.

How we may use your personal information

We will only use your personal information as set out in our privacy policy.

If you provide documents or information to us using the website

Whenever you make use of a tool or feature provided on, or via, the website to give to us information or copies of documents, you must comply with the requirements set out in this section.

You warrant that any such document or information complies with, and has not been provided in breach of, these requirements, and you will be liable to us, and indemnify us, for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

You must not provide any information or document that includes the personal data of another living person, unless, before doing so, you have made that person aware of the information that you are providing, that you are providing that information to us, and of the purpose of providing that information to us.

In providing any information or document you must not impersonate any person, or misrepresent your identity or affiliation with any person.

You must not provide any information or document that:

  • infringes any copyright, database right or trademark of any other person;
  • is likely to deceive any person;
  • the provision of which breaches any legal duty owed to someone else, such as a contractual duty or a duty of confidence; or
  • the provision or content of which is in contempt of court.

You must not provide any information or document that:

  • is defamatory of any person;
  • is obscene, offensive, hateful or inflammatory, insulting, intimidating or humiliating;
  • is sexually explicit, includes child sexual abuse or promotes or exhibits violence;
  • promotes or includes discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; or
  • promotes any illegal activity.

You must not provide any information or document that:

  • threatens, abuses or invades the privacy;
  • is likely to, or which, causes annoyance, inconvenience or needless anxiety; or
  • is likely to harass, upset, embarrass, alarm or annoy, anyone working for us, or any other person.

We are not responsible for viruses and you must not introduce them

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 programs and platform to access the website. You should use virus protection software.

You must not:

  • misuse the website by knowingly introducing or seeking to introduce viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
  • attempt to gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website; or
  • attack the website 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.


  • may report any such breach to the relevant law enforcement authorities; and
  • will co-operate with those authorities by disclosing your identity to them.

In the event of such a breach, your right to use the website will cease immediately.

Rules about linking to the website

You must not:

  • link to the website from another website;
  • include a link to the website in any social media posting;
  • include a link to the website in any email (other than a link to the home page of the website in an email that is sent by you to only one recipient, and provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it; or
  • frame the website on another site.

Which country’s laws apply to any disputes?

These terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.