12.1 Our agreement with you could last a long time, so we may need to make changes to it from time to time. For example, we may need to make
changes to our Internet Banking service, including to add or remove features or services. We may also need to introduce new charges or
change existing charges.
12.2 When making any changes we’ll always act proportionately and responsibly in the broader interests of our members.
12.3 We can predict some of the reasons why we might need to make changes to this agreement. These are:
12.3.1 Because of changes in costs for running our business or for providing new or existing services to you, including changes in our costs
For example, these costs could include administrative costs, employment costs, building costs and technology costs, or changes
in costs of a service or benefit provided by us or by anyone else. For example, if our operational costs increase we may allocate a
proportion of these costs to our Internet Banking customers.
12.3.2 Because of developments in technology, or in the way the banking industry generally delivers services.
For example, to reflect advances in digital banking.
12.3.3 To respond to changes, or reasonably anticipated changes, in the law or codes of practice which apply to us or because of a decision by
a court, ombudsman or regulator.
For example, the Financial Ombudsman could make a ruling in relation to a particular customer which has a knock-on impact on our
other customers, which may mean we need to change our terms and conditions.
12.3.4 To meet regulatory requirements.
For example, to reflect any changes in requirements or guidance from a Regulator or to make sure we can continue to meet existing
requirements or guidance. This includes requirements affecting the amount of money we have to hold in reserve.
12.3.5 To withdraw functionality (for example, due to customer demand for services and features).
12.4 However, because you might use Internet Banking for a long time, we can’t anticipate everything that may happen over this period. This
means we may also need to make other changes. If we do, when we tell you about the change, we’ll explain how it will affect you.
12.5 We can also introduce or amend any charges for any other valid reason which isn’t outlined above.
12.6 If we want to make a change that’s beneficial to you, we don’t need a reason to make that change.
12.7 How and when we’ll tell you about a change depends on the type of change we’re making.
(a) When we will give you two months’ notice
If we introduce a charge for using Internet Banking or make any changes to an existing charge for using Internet Banking, we will
give you no less than two months’ notice and we will tell you by writing to your address or by telling you personally in an electronic
format that is equivalent to writing, such as by email.
(b) When we will give you a month’s notice
We will normally give you 30 calendar days’ notice before any change to these terms and conditions or any withdrawal of services
takes effect unless it is not practical or possible to do so, in which case we will tell you as soon as we can after the change takes effect.
We will notify you of the change through Internet Banking or by personal notice if we consider it appropriate to do so. The new terms
and conditions and/or details of the amended services may be displayed on screen and you may be asked to read and accept them the
next time you log in. Since we can give you notice of changes to the terms and conditions/services within Internet Banking itself we
recommend that you log on at least every 14 calendar days.
(c) When we will make the change without giving you advance notice
We may change the layout, configuration or content of the Internet Banking service, introduce new features, withdraw features,
change the way that services are provided and/or introduce new services at any time. We can do this without giving you prior notice,
provided these changes:
do not have a serious adverse effect on the existing services we provide to you at the time of the change; and
do not change your legal rights under these terms and conditions.
12.8 If you hold a joint Account, we’ll send information about any changes to the terms and conditions (including information about the introduction
of a charge) to the address or contact details of the first person named on our records only, even if you live at different addresses, unless we
are required by law to contact you both.
12.9 If you’re not happy with a change we tell you about in advance, and you decide you would like to end the service, you can do so in accordance
with Condition 11.2. If we don’t hear from you within 30 calendar days (or within two months if we’ve notified you that far in advance) of us
telling you about the change, we’ll take it to mean that you’ve accepted the change.