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The legal bits


Our T&Cs

Banking with Atom is straightforward, so our contract with you consists of four sets of T&Cs: App T&Cs; General T&Cs; Product T&Cs; and a product specific summary, based on the product you open. Please ensure you read all of these documents, so you understand the terms of our agreement with you.

These T&Cs detail the agreement between you and Atom (‘we’/’us’) when you have a Fixed Saver account with us.

Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect

Business Banking T&Cs

For details of the T&Cs of our secured loan proposition for businesses, just click on the link below.

Mortgages

If you want to get into the details of our residential mortgages, just download any of the documents below.

Terms of use

Welcome to our website

Welcome to Atom HQ (the website part of it anyway). We’re pleased you’ve come to take a look around, but there’s just a few house rules that we need to ask you to abide by.  

Before you delve head first into the world of Atom, please give these terms a good read, and if you feel the need, save a copy for future perusal. 

By using our site you are accepting these terms of use. If you don’t agree with them, then we’ll have to politely ask you to leave the site. 

Other documents you should read

If reading policies is your thing, we recommend reading our 'Privacy and your data' section below and our note on Cookies. Don't worry, these aren't lengthy articles filled with legal jargon, everything's written in plain English and should only take a few minutes to read. 

What happens if we need to change anything?

From time to time, as we grow as a bank, we may make changes to these terms and conditions so please check back occasionally, as any changes we make are binding on you:

We may also update our site and may change the content at any time. Any of the content on our site may be out of date at any given time, but we will try our very best to keep it up to date. We’ll also try and keep it free from errors or omissions, but we can’t always promise this.


Using our site

We charge no fee to use our site so you're welcome to use it as much as you like.

Our products and services are only available within the UK and to UK residents. They also cannot be guaranteed, may not always be available and could be subject to change or withdrawal at short notice.


Intellectual property rights

We’re proud of this website and as such, we're like protective parents. So all of our designs, logos and material published on our site are owned by or licensed to us and protected by copyright laws, with all rights reserved.

By all means please download these terms and conditions but don’t alter them, use them for your own or commercial purposes or do anything contrary to our ownership of this site and its contents.


No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. 


Our liability to you

Liability is an important thing for us to talk to you about. So in the words of our leading legal lady Laura, here’s where we draw the line on our website liabilities:

We will not be liable for any losses you may suffer as a result of your use of our site whether they are direct or indirect and arising from your use or inability to use our site, save only in the case of any loss occasioned by fraud.  

Our site, or any content on it, may not always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

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 your downloading of any content from it, or on any website linked to it.

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.

Computer ailments a.k.a viruses

Although we constantly monitor our site, we can't guarantee that it will be secure or free from bugs or viruses and we therefore suggest that you use your own virus protection software.

We have optimised our site to ensure that it works across many platforms, however you may need to configure your computer programs, platform and systems in order to access our site. 

Security is hugely important to us and Jon, our Head of Security, has a few requests to make:

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. 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. In the event of such a breach, your right to use our site stops immediately.


Linking to our site

We'd like you to spread the word about Atom. We do ask though that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

We also ask that you don't establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists, or to any website that is not owned by you.

We ask that our site not be framed on any other site.

We do reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out on this page.

If you wish to make any use of content on our site other than that set out above, please contact info@atombank.co.uk.

Third party links and resources on our site

Where we link to other sites and resources provided by third parties, these links are provided for your information only and we have no control over the contents of those sites or resources.

Applicable law

These terms and your use of our site are governed by English law. You and Atom both agree that the courts of England and Wales will have exclusive jurisdiction in relation to them.

Alternative formats

We're all individuals, so if you need any alternative formats, such as large print, braille or audio CD to assist you with any special needs, please contact info@atombank.co.uk.

Accessibility

Atom is committed to making this website usable for everyone, whatever their abilities or disabilities. 

If you have any problems accessing or using anything on the website, please let us know.

Talk to us

If you've got any questions, comments or suggestions, let us know. The best ways to get in contact are through email; info@atombank.co.uk or Twitter; @atom_bank.


Privacy and your data

Privacy

Introduction

At Atom bank (“Atom”, “we” and/or “the bank”), we put customers at the heart of everything that we do. We’re transparent, and as such, we believe our privacy practices should be easy to understand. It is one of our fundamental responsibilities to protect the information entrusted to us, we have therefore outlined some of the measures we have to protect your privacy in our Privacy Policy. 

"Atom bank", "Atom" and "Digital Mortgages by Atom bank" are trading names of Atom bank plc. Atom bank plc is a company registered in England and Wales with company number 08632552. Atom bank plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 661960.

For the purposes of the General Data Protection Regulation (‘GDPR’), Atom bank will be the ‘controller’ of the personal data you provide to us.

Please read the following information very carefully in order to understand our practices in relation to our treatment of your personal data. If you have any questions please email us at customersupport@atombank.co.uk.

Data Privacy Principles

  • All personal data will be processed lawfully, fairly and in a transparent manner;
  • Personal data will only be collected for the specified, purposes outlined within “How will we use the information we hold about you” and will not be further processed in a manner that is incompatible with those purposes. 
  • Personal data that we collect will be adequate, relevant and limited to what is necessary in relation to the purposes for which those data are processed. The information we collect is outlined in the section below “What information do we collect about you”.
  • We will take all reasonable steps to ensure that personal data is accurate and, where necessary, kept up to date.
  • Personal data will be kept in a form that permits identification for no longer than is necessary for the purposes for which the personal data has been collected for processing, in line with the Atom Bank Data Retention Policy.
  • We will hold and process personal data in a manner that ensures appropriate security. We outline this in the “how do we store personal data” section of this policy.

What information do we collect about you?

This policy applies to personal information collected via the app, through the website, or through one of our affiliated intermediaries (where applicable). 

Sensitive Personal Data

In the course of providing products and services to you, we may collect information that may reveal your racial or ethnic origin, physical or mental health, religious beliefs or alleged commission or conviction of criminal offences. Such information is considered ‘sensitive personal data’ and we will only collect this where it is entirely necessary, or you have deliberately made it public. If you do not allow us to process any sensitive personal data, this may mean that we are unable to provide some or all of the products or services you have requested from us.  You may inform us if you remove consent for us to process such personal data.

  

Personal Data

When you apply to become an Atom customer, we’ll ask you for some personal information in order to verify your identity and operate your account. This will vary depending on the type of product you apply for, but will generally include:

Personal information such as your name, address and date of birth in order to verify your identity.

Contact information including your telephone number and email address. 

Your biometrics in order to allow you to log-in, in other words your photo and a recording of your voice.  This is stored as an algorithm. 

Information relating to your tax responsibilities, so that we can comply with our obligations under the Foreign Account Tax Compliance Act (‘FATCA’) and the Common Reporting Standards. 

Details of a nominated bank account where you choose to have your interest paid-away, choose to withdraw your funds after your account has matured, or pay your mortgage direct debit.  

Business Information, in order to support any business lending applications. 

For mortgage customers, we may collect information relating to affordability to support your application and assist our lending decisions. 

How will we use the information we hold about you?

The data we collect will be used to set up your customer record and operate your account. This will enable us to comply with our legal and regulatory requirements, and look at ways we can continue to improve our products and services. We will not collect any personal data from you that we do not need. 

We will use your personal data in order to verify your identity. In order to do this, we may need to share some or all of your data with third parties, which may include fraud prevention, anti-money laundering and credit reference agencies (whose details we can share with you on request), law enforcement departments, regulators, government departments (e.g. HMRC) and the providers of our sales or servicing platforms.

We will use your personal data to prevent fraud and money laundering – e.g. the information provided to fraud prevention agencies may be used when checking applications for credit, credit-related or other facilities or for managing these accounts; for recovering debt; for checking insurance proposals or claims; and for checking details of job applicants or employees. Other organisations may also use your information for these purposes.

We will use your personal data to carry out credit reference agency searches, and develop credit scoring profiles, where it is appropriate to do so. 

We will use your personal data to communicate with you about your account and provide service-related updates and notifications. Where possible we will communicate with you via the app, however there may be times where regulation requires us to contact you in a specific way. 

We may use your information for marketing purposes, however we will only do this where you specifically ask us to do so. This might include using your data to identify products and services that may be of use to you. 

We will use your biometric information for security purposes, specifically in order for you to log-in to the app, and in order to step-up security to access certain features. 

We will use your information to comply with the law, in order to protect ourselves, our customers, or others. Where required we will share information to respond to a court order or other lawful request from a public authority. 

We will use your data to complete troubleshooting, data analysis, testing, research, and for statistical and survey purposes. 

How do we store personal data?

The measures we use to keep your personal data safe and secure include: data encryption and digital signatures to ensure the continuing integrity of your data; firewalls, intrusion detection systems, 24/7 physical protection of facilities where your data is stored; background checks for personnel that access physical facilities; and strong security procedures across all service operations.

We encrypt the transmission and storage of your personal data using the highest standards of security technologies and procedures.

When you register your biometric data, and every time you use it to log in or step up, it is encrypted and remains accessible to us for a limited period of time. It is then transmitted internally and stored as an algorithm so it cannot be accessed as an identifiable piece of personal data.

How long do we keep your personal data?

Atom will not retain your personal information for longer than is necessary for the practices described in this policy.

Regulatory requirements dictate that we should retain your personal information for seven years following the closure of your account. In certain circumstances, we may have to store this data for a longer period. 

Any personal data we use for marketing purposes will be retained until you notify us that you no longer wish to receive this information. 

Your rights

Once you have registered your details with us, you have certain rights which apply, depending on the stage of your application, the information you’ve shared with us and our regulatory obligations relating to it. 

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email us at customersupport@atombank.co.uk . We will provide this information to you within 30 days, free of charge. 

You have the right to request that the information we hold about you is erased, where there are no additional legal and/or regulatory requirements for us doing so.

You have the right to request that any information we hold about you be provided to another company in a commonly used and machine-readable format, otherwise known as ‘data portability’. 

You have the right to ensure that your personal information is accurate and up to date, or where necessary rectified. Where you feel that your personal data is incorrect or inaccurate and should be updated, please contact customersupport@atombank.co.uk

You have the right to object or to restrict the processing of your information, for example for direct marketing purposes, and;

You have the right to object to any decisions based on the automated processing of your personal data, including profiling.

Changes to this policy

From time to time, we will review and update this policy. We will notify you of any material changes, and update an updated version on our website. 

Contact Us

If you have any questions about the practices contained within this policy, please email customersupport@atombank.co.uk . Alternatively you may write to us at:

FAO The Data Protection Officer
Atom Bank
The Rivergreen Centre
Aykley Heads
Durham
DH1 5TS

If you wish to raise a complaint on how we have handled your personal data, you can contact us to have the matter investigated. Our Complaint Handling Policy can be found on our website. However the best way to get in touch is to email us at customersupport@atombank.co.uk or in app.  You may also write to us at the above address.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office https://www.ico.org.uk/

Privacy Policy for Employees

Introduction

At Atom bank (“Atom”, “we” and/or “the bank”), we’re transparent, and as such, we believe our privacy practices should be easy to understand. It is one of our fundamental responsibilities to protect the information entrusted to us, we have therefore outlined some of the measures we have to protect your privacy in our Privacy Policy. 

"Atom bank", "Atom" and "Digital Mortgages by Atom bank" are trading names of Atom bank plc. Atom bank plc is a company registered in England and Wales with company number 08632552. Atom bank plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 661960.

For the purposes of the General Data Protection Regulation (‘GDPR’), Atom bank will be the ‘controller’ of the personal data you provide to us.

Please read the following information very carefully in order to understand our practices in relation to our treatment of your personal data. If you have any questions please email us at customersupport@atombank.co.uk.

Data Privacy Principles

  • All personal data will be processed lawfully, fairly and in a transparent manner;
  • Personal data will only be collected for the specified purposes outlined within “How will we use the information we hold about you” and will not be further processed in a manner that is incompatible with those purposes. 
  • Personal data that we collect will be adequate, relevant and limited to what is necessary in relation to the purposes for which those data are processed. The information we collect is outlined in the section below “What information do we collect about you”.
  • We will take all reasonable steps to ensure that personal data is accurate and, where necessary, kept up to date. 
  • Personal data will be kept in a form that permits identification for no longer than is necessary for the purposes for which the personal data has been collected for processing, in line with the Atom Bank Data Retention Policy.
  • We will hold and process personal data in a manner that ensures appropriate security. We outline this in the “how do we store personal data” section of this policy.

 What information do we collect about you?

This policy applies to personal information collected as part of our onboarding process, specifically when you accept a role at Atom and throughout the course of your employment.

Sensitive Personal Data

In the course of applying for employment, and during the course of your employment, we may collect information that may reveal your racial or ethnic origin, physical or mental health, religious beliefs or alleged commission or conviction of criminal offences. Such information is considered ‘sensitive personal data’ and we will only collect this where it is entirely necessary, we have received your explicit consent or you have deliberately made it public. If you do not allow us to process any sensitive personal data, this may mean that we are unable to employ you.  You may inform us if you remove consent for us to process such personal data.

Personal Data

When you apply for a role at Atom, we’ll ask you for some personal information in order to verify your identity and undertake credit checks, criminal record checks and reference checks relating to you and your previous employment. This will include:

Personal information such as your name, address and date of birth in order to verify your identity.

Contact information including your telephone number and email address.

Details of a nominated bank account where we will be able to process your salary and other benefits.

Information held as part of your personnel file, which will include your contract of employment (and any amendments to it), your CV, any correspondence between us and you relating to matters including, but not limited to, salary, benefits, absence, disciplinary and grievance, and any information relating to performance management.

How will we use the information we hold about you?

The data we collect will be used to maintain our personnel records and will enable us to comply with our legal and regulatory requirements.s. We will not collect any personal data from you that we do not need.

We will use your personal data in order to verify your identity. In order to do this, we may need to share some or all of your data with third parties, which may include fraud prevention, anti-money laundering and credit reference agencies (whose details we can share with you on request), law enforcement departments, regulators, government departments (e.g. HMRC) and the providers of our sales or servicing platforms.

We will use your personal data to prevent fraud and money laundering – e.g. the information provided to fraud prevention agencies may be used when checking applications for credit, credit-related or other facilities or for managing these accounts; for recovering debt; for checking insurance proposals or claims; and for checking details of job applicants or employees. Other organisations may also use your information for these purposes.

We will share the personal information collect from you with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be provided by the DPO on request.

We will use your personal data to carry out credit reference agency searches, where it is appropriate to do so.

We will use your information for payroll purposes, specifically in order to process your salary and any other benefits, and ensure the necessary tax, national insurance and pension deductions are made. For this purpose our payroll is outsourced, therefore we will share some of your personal information with our chosen third party.

We will also share your personal information in order to facilitate the benefits that we offer. For this purpose we will share your information with third-party providers who deliver our benefits including private healthcare, life assurance, health cash plan, pension, applicable industry brokers and other applicable benefits.

We will use your personal data to communicate with you throughout the course of your employment. This may include correspondence relating to pay, benefits, disciplinary, grievance and absence, amongst others.

We will use your information to comply with the law, in order to protect ourselves, our customers, or others. Where required we will share information to respond to a court order or other lawful request from a public authority.

We will use your data to complete troubleshooting, data analysis, testing, research, and for statistical and survey purposes.

We will use your information to monitor IT and system use, as detailed in our Acceptable Use Policy. We will also monitor employees via CCTV and door access systems for reasons of security, safety and workplace conduct.

We may transfer your data to other group companies for purposes connected to your employment, specifically the Atom Employee Benefit Trust which is a key component of our share-based reward scheme.

We may use your image in marketing collateral, such as photographs, videos, and other promotional material. Where we do this we will always ask your permission in advance, and where you would rather we did not use your image, you have the right to opt-out.

How do we store personal data?

The measures we use to keep your personal data safe and secure include firewalls, intrusion detection systems, 24/7 physical protection of facilities where your data is stored; background checks for personnel that access physical facilities and/or systems; and strong security procedures across all service operations.

We encrypt the transmission and storage of your personal data using the highest standards of security technologies and procedures.

How long do we keep your personal data? 

Atom will not retain your personal information for longer than is necessary for the practices described in this policy.

Regulatory requirements dictate that we should retain your personal information for six years following the end of your employment. In certain circumstances, we may have to store this data for a longer period.

Your Rights

For as long as we hold your personal informations, you have certain rights which apply.

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email people.experience@atombank.co.uk. We will provide this information to you within 30 days, free of charge.

You have the right to request that the information we hold about you is erased, where there are no additional legal and/or regulatory requirements for us doing so.

You have the right to request that any information we hold about you be provided to another company in a commonly used and machine-readable format, otherwise known as ‘data portability’.

You have the right to ensure that your personal information is accurate and up to date, or where necessary rectified. Where you feel that your personal data is incorrect or inaccurate and should be updated, please contact people.experience@atombank.co.uk.

You have the right to object or to restrict the processing of your information where there is no legitimate and/or legal reason for doing so and;

You have the right to object to any decisions based on the automated processing of your personal data, including profiling.

Changes to this Policy

From time to time, we will review and update this policy. We will notify you of any material changes, and update an updated version on our website.

Contact Us

If you have any questions about the practices contained within this policy, please email people.experience@atombank.co.uk. Alternatively you may write to us at:

FAO The Data Protection Officer

Atom Bank

The Rivergreen Centre

Aykley Heads Durham

DH1 5TS

If you wish to raise a complaint on how we have handled your personal data, you can contact us to have the matter investigated. Our Complaint Handling Policy can be found on our website. However the best way to get in touch is to email us at people.experience@atombank.co.uk. You may also write to us at the above address.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office https://www.ico.org.uk/

Online security

Atom protecting you

We take security very seriously, especially when any of your data is involved and to help us do that we are using best-in-class security and are always looking for ways to improve it.

We will do all that we can to protect your security.


You protecting you

Here are some basic tips on how to keep your information secure online.

Don’t reveal private information in response to an email, text, letter or phone call, unless you are certain that the request is from someone you are confident is genuine.

The basics

Don’t leave your device unattended in a public place while you are logged in. If you need to use public Wi-Fi, you can find tips on staying safe on the Get Safe Online site.

We also strongly advise you to never access or change your personal information if you are in a public place and always log out of any site when you are finished using it.

Your computer

We suggest that you install effective antivirus/antispy software and firewall and ensure they are running when you use your computer.

A secure connection 

Make sure you use a secure internet connection. Look out for the “https” at the beginning of the website address, as well as the padlock security symbol in the browser frame.

Scams and phishing 

Scams are designed to trick you into giving away information that could be used to steal your identity or defraud you. Phishing typically involves emails that are sent to many people pretending to be from a bank or other trusted organisation. They may try to trick you into going to a site, to update your password for example, but the site will be a fake. 

If you are unsure about any email you receive, don’t reply; just delete it. You can find guidance on using email safely at the sites detailed below. 

Get safe online