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Terms and conditions

1. By using this website you will be taken to have agreed to be bound by these conditions of use.

2. For clarity, in these Terms, "we", "our" and "us" means www.mylostaccount.org.uk (brought to you by the BBA (The British Bankers' Association), the BSA (Building Societies’ Association) and NS&I (National Savings and Investments).

BBA - Pinners Hall, 105-108 Old Broad Street, London EC2N 1EX.
BSA - York House, 23 Kingsway, London WC2B 6UJ
NS&I – 1 Drummond Gate, London SW1V 2QX

3. We take every care to ensure that information published on this website is accurate when posted and is regularly updated. But we cannot guarantee the accuracy or completeness of such information and may change the information at any time without notice.

4. You use this website at your own risk. We will not be liable for any loss or damage which you may incur as a result of using this website. Mylostaccount.org.uk does not promise that this website will always be available or that access will be uninterrupted or free from failure. Although this site has been designed to handle your data securely at all times we cannot guarantee that transmitted information will not be lost or that viruses or other destructive material will not be sent.

5. This website uses both permanent and session cookies. Please see our Privacy policy for an explanation of our use of cookies.

6. These terms should be read in conjunction with our Privacy Policy which sets out how we collect and use your personal information.

7. Each page on this website must be read in conjunction with these conditions of use.

8. Using this site

8.1. The Service is free and we will not charge you any monthly or annual service fees for the use of the Service. You are liable, however, for all charges incurred in accessing and using the Service and where relevant for paying the telephone charges at the rate publicised by the operator with whom you make your local calls.

8.2. By accessing and using the Service you confirm that you are eligible to use the Service.

8.3. You shall use the Service in accordance with these Terms and all applicable laws, regulations and codes of conduct (including self regulatory) applicable to the use of the Internet and you agree to be solely responsible for all things arising from your use of the Service.

8.4. You agree not to:

8.4.1. use the Service except in accordance with these Terms as amended and posted on the Site by us from time to time.

8.4.2. sub-license, assign or subcontract any part of your benefits and obligations under the Terms.

8.4.3. use or permit the use of the Service for any illegal purpose.

8.5. reproduce or re-transmit any part of the Information in any form without our prior written consent (except to the extent expressly provided in these Terms).

8.6. damage, interfere with or disrupt access to the Service and/or the Sites or do anything which may interrupt or impair their functionality.

8.7. make or derive any commercial use or benefit from any part of the Service and/or Sites.

8.8. use the Service in such a manner as would bring us, our organisation and/or business into disrepute.

8.9. obtain or attempt to obtain unauthorised access, through whatever means, to the Service, the Sites, other services or computer systems or areas of our networks.

8.10. make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, "trojan horses", "worms" or any other harmful software in connection with your use of the Service.

8.11. use the Service in any way to send unsolicited (commercial or otherwise) e-mail (spamming) or any material for marketing or publicity purposes.

8.12. post any infringing, defamatory, obscene or other unlawful information to the Site.

9. Suspension of service

If your use of the Service interferes with our ability to provide the Service to you or any services to our other users, (e.g. through a "Prohibited Use"), we may suspend provision of the Service to you until the Prohibited Use has ended. We shall then, as soon as reasonably practicable, resume provision of the Services.

10. Indemnity

Except as expressly provided for below, you agree to indemnify and hold us, and any of our officers, employees and agents harmless from any loss or damage including without limitation in respect of any claim brought by any third party arising in respect of these Terms and/or the Service and/or the Information provided to you and/or your use or misuse of the Service and/or conduct on the Sites.

11. Alterations to these terms

We reserve the right to amend these Terms, in whole or in part, at any time and you will be notified of the same by our posting of such Terms on the Sites. Your continued use of the Service after any changes have been posted on the Sites will be considered acceptance of any changes.

12. Security

You acknowledge and accept that the Service involves transmissions over the Internet and that such transmissions are therefore subject to the Internet's inherent risks. You acknowledge and accept that, as with any network, you may be exposed to: 

Although, we and our suppliers' privacy and security features are designed to reduce these risks, we cannot guarantee their elimination. It is your responsibility to ensure that your systems protect against the events listed in 12 above and otherwise comply with good industry practice. You also acknowledge that no transmission via the Service and/or the Sites shall be deemed confidential and that we shall not be liable for any breach of confidence arising as a result of such event.

13. Reliance on information

Because the Service is provided by means of website and telecommunication systems (including local loop network providers and other connectivity arrangements over which we have no control) you acknowledge that:

13.1The Service cannot be operated in all circumstances without error (including without limitation errors in any software used to provide the Service, the Information, the Sites and telecommunications links) and we shall be under no liability for the consequences arising from any such error or the reliance by you upon the Service.

14. Warranties

We warrant that we shall use reasonable skill and care in providing the Service.

To the extent not prohibited by law we exclude all conditions, terms, representations and warranties, whether implied by statute or by operation of law or otherwise, that are not expressly set out in these Terms.

15. Termination

We reserve the right, in our sole discretion, to suspend and/or terminate your access and/or use of the Services and/or the Site at any time without notice.

16. Governing law

The Terms shall be construed in accordance with the laws of England and the parties hereby submit to the exclusive jurisdiction of the English Courts.