www.homegroundonline.com is a site operated by HomeGround
Management Limited ("We"). We are registered in England and Wales
under company number 7305337 and have our registered office at 8
Baden Place, Crosby Row, London, SE1 1YW. Our main trading address
is PO Box 6433, London W1A 2UZ. Our VAT number is 102724260.
We are a limited company.
Access to our site is permitted on a temporary basis, and we
reserve the right to withdraw or amend the service we provide on
our site without notice (see below). We will not be liable if for
any reason our site is unavailable at any time or for any
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
We are the owner or the licensee of all intellectual property rights in our site, 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 our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.
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.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
for any other loss or damage of any kind, however arising and
whether caused by tort (including negligence), breach of contract
or otherwise, even if foreseeable, provided that this condition
shall not prevent claims for loss of or damage to your tangible
property or any other claims for direct financial loss that are not
excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Contracts for the supply of services or information formed through our site or as a result of visits made by you are governed by our terms and conditions of supply.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which 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.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses 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 material posted on it, or on any website linked to it.
You may link to our home page, provided you do so in a way that
is fair and legal and does not damage our reputation or take
advantage of it, but you must not establish a link in such a way as
to suggest any form of association, approval or endorsement on our
part where none exists.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you
create a link to any part of our site other than the home page. We
reserve the right to withdraw linking permission without
If you wish to make any use of material on our site other than that set out above, please address your request to firstname.lastname@example.org.
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
If you have any concerns about material which appears on our
site, please contact email@example.com.
Thank you for visiting our site.
1.1 These terms and conditions apply to the accounts and related services we provide in the United Kingdom. It sets out the obligations we have to you, as an account holder with us, and the obligations you have to us.
1.2 These terms and conditions apply to accounts you hold with us and the services we provide you with as an account holder.
1.3 In this agreement:
(a) "we", "us" and "our" mean HomeGround Management Limited;
(b) "you" and "your" mean any customer operating an account with us. If you authorise another person to operate your accounts for you (for example under a power of attorney), we will deal with that person as if he or she were you for the purposes of this agreement but we will only be permitted to use information about you, not that person, under this agreement.
1.4 You can ask us for a copy of this agreement and any of the leaflets, for example that contain information about our rates and charges at any time.
2.1 We will contact you by post, telephone or electronically using the details you have given us. (When we use the words "electronically" or "electronic" in this agreement we mean any form of message made by any type of telecommunication, digital or IT device (including the internet, digital television, email and SMS).) Certain forms of communication are not completely secure and you must take adequate precautions to ensure that others do not access, read or use your information without your consent.
2.2 It is your responsibility to ensure that we have your current contact details. Where we are required to send information to you, by law we have to send it to the most recent address we have for you. If you do not tell us promptly about any change to your details, the security of your information could be at risk and you may not receive things which could be important, including notices about changes to this agreement which affect you.
2.3 You can contact us by post or electronically using the details we give you. We will tell you if our details change.
2.4 We may monitor electronic communications between us (including emails) for training purposes and so that we can check instructions and make sure that we are meeting our service standards.
3.1 To run your relationship with us under this agreement you
will need to give us a range of different instructions. For
example, you may instruct us to:
(a) make payments;
(b) give you information about your accounts;
(c) open new accounts or close existing accounts; or
(d) take any other action on your accounts.
This condition explains how you can give us instructions and the steps we will take before we act on any instruction.
3.3 We can refuse to act on any instruction or accept a payment into an account if we reasonably believe that:
3.4 Unless the law prevents us from doing so, we will try to contact you to tell you if we refuse to act on any instruction, the reasons for refusing it and what you can do to put right any errors in the instruction. You can also contact us to find out why we have refused to carry out your instruction.
3.5 We may assume that the information given in an instruction is correct, unless we are aware of an obvious error. In particular, we may assume the account number quoted in any instruction is the correct account number.
3.6 Instructions have to be given by the relevant "Cut-off Time" on a "Working Day". Although we may provide certain electronic and services that can be accessed 7 days a week, we cannot usually make payments into accounts at weekends or on public holidays. "Working Day", for the purpose of making or receiving payments, therefore means Mondays to Fridays (excluding public holidays). The Cut-off Time is the time, towards the end of the Working Day, by which we must receive all payments into the account if they are to be processed that day. The Cut-off Time for electronic instructions is [ ].
4.1 You agree that we can deduct any applicable charges from a payment before we add it to your account.
4.2 The timing of payments into your accounts depends on how the payment is made and where it has come from. Although payments made into an account on a non-Working Day will not generally be processed by us until the following Working Day, in certain circumstances they will be shown on your account on that day but will be dated the following Working Day.
4.3 If we receive a payment before the relevant Cut-off Time on any Working Day, we will process it on that day unless you have asked us to make it on a future date, in which case we will process it on that date. Payments received after the Cut-off Time or on (or for) a non-Working Day will be processed on the next Working Day.
4.4 To manage our risk, we also apply internal controls, including limits, to certain types of payment. We change these as necessary but, for security purposes, we do not disclose them.
4.5 If we receive any payment and:
(a) we are reasonably concerned that it may not have come from
(c) for some other reason, such as suspected fraud, we want to check the payment with you,
we can ask you to confirm it (either in writing or verbally) and will not act on it until you have confirmed it. In this case, you must confirm the payment as soon as possible to avoid any delay by us in acting on it. We will not make the payment until that information is provided
4.6 The position for changing or cancelling payments is as follows:
(a) Immediate payments: we cannot change or cancel a payment
given electronically because we start processing it when we receive
it. We cannot cancel a payment made using a card once you have
given your consent to make the payment to a third party. This can
only be done with the consent of the third party.
(b) Future payments made by debit card: we cannot cancel these payments. You must cancel them by contacting the third party you gave your card details to.
(c) Other payments you have instructed us to make in the future (e.g. payments by standing order and direct debit): you can cancel these payments on or before the last Working Day before the date on which the payment was due to be made.
4.7 If you have instructed us to make payments requested by third parties under the UK Direct Debit Scheme, we will provide refunds for any error made in accordance with the terms of the Direct Debit Guarantee (set out on the Direct Debit form or Direct Debit confirmation).
5.1 We will make information about individual payments paid into your account available through your website account.
5.2 You are responsible for checking the information we give you and must tell us as soon as you can if it includes something which appears to you to be wrong or if a payment was not made in accordance with your instructions.
6.1 We will not be liable to you for any losses you suffer or costs you incur because:
6.2 Nothing in these terms and conditions will exclude or limit any liability we have as a result of acting fraudulently or with extreme carelessness or any duty or liability we may have to you under applicable law or any liability that cannot lawfully be excluded.
7.1 If you break any of these terms and conditions, we can claim from you any losses or costs that we reasonably incur as a result of your breach. These include, but are not limited to, the costs of tracing you, telling you about, and taking steps to deal with, the breach, communicating with you about the breach and enforcing payment of any amount due to us.
8.1 We may upgrade your account or enhance the services we provide to you if we reasonably consider this is to your advantage and there is no increased cost to you.
8.2 We may also change any of the other terms of this agreement for any of the following reasons: (a) where we reasonably consider that:
(b) to cover:
(c) to enable us to make reasonable changes to the way we look after your accounts as a result of changes in:
(d) as a result of a regulatory requirement (or where we reasonably expect that there will be a change in a regulatory requirement).
8.3 We will give you at least 1 months' personal notice of all changes. When we tell you about a change we will tell you the date it comes into effect. As long as notice of a change is given to you at the most recent contact details we have for you, you will be treated as accepting the change on that date unless, before then, you tell us that you want to terminate your agreement with us and not accept the change. We will not make any termination charge, if you terminate your agreement in this case.
9.1 We will take reasonable care to ensure the security of and prevent unauthorised access to our online services.
9.2 In exceptional circumstances, we may at any time suspend the operation of online services but we will promptly notify you of any such suspension.
9.3 You must:
9.4 You should also ensure your computer, modem or any other device you use complies with the standards and requirements we tell you from time to time and carry out your own regular virus checks and security updates.
9.5 If you use our online service outside the UK you do so at your own risk, as it may be against the law in that country.
9.6 Unless we tell you otherwise, any software we provide to you is licensed to you. The copyright and all other rights in it and in any user guides or other information we provide to you, remains owned by us or by the person who licenses it to us (if applicable). You must use it exclusively in connection with this agreement and as described in any user guide or other information we provide to you. You will obtain no rights, title or interest in any such materials or intellectual property rights relating to them.
9.7 The records we maintain of any online messages, instructions, payments or other transactions will be final evidence of those messages, instructions, payments or other transactions and of the time they are given or carried out except where there is an obvious mistake.
9.8 You are responsible if, when you use our online service, you give us incorrect instructions or mistakenly instruct us to make the same payment more than once.
10.1 Unless we have made a different agreement with you, these terms and conditions are governed by English law. The law that will apply to the establishment of our relationship will be the same as the law that governs these conditions.
10.2 This agreement is in English and we will only write and communicate with you in English.
10.3 If we choose not to exercise rights against you immediately we can still do so later.