Web Terms and Conditions

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 Any of the content on our site may be out of date at any given time, but we will try our very best to keep it up to date.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.


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.