Our Terms and Conditions
Terms of Website Use
This page (together with the documents referred to on it) tells
www.homegroundonline.com (our site), whether as a guest or a
you start to use the site. By using our site, you indicate that you
Information About Us
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.
Accessing Our Site
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.
If you choose, or you are provided with, a user identification
code, password or any other piece of information as part of our
security procedures, you must treat such information as
confidential, and you must not disclose it to any third party. We
have the right to disable any user identification code or password,
whether chosen by you or allocated by us, at any time, if in our
opinion you have failed to comply with any of the provisions of
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
Intellectual Property Rights
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
If you print off, copy or download any part of our site in
immediately and you must, at our option, return or destroy any
copies of the materials you have made.
Reliance on Information Posted
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.
Our Site Changes Regularly
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
- All conditions, warranties and other terms which might
otherwise be implied by statute, common law or the law of
- Any liability for any direct, indirect or consequential loss or
damage incurred by any user in connection with our site or in
connection with the use, inability to use, or results of the use of
our site, any websites linked to it and any materials posted on it,
including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and
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
Transactions Concluded Through Our Site
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.
Viruses, Hacking and Other Offences
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
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.
Linking to Our Site
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
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
Links From Our Site
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.
Jurisdiction and Applicable Law
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
connection with them or their subject matter or formation
(including non-contractual disputes or claims) shall be governed by
and construed in accordance with the law of England and Wales.
page. You are expected to check this page from time to time to take
notice of any changes we made, as they are binding on you. Some of
superseded by provisions or notices published elsewhere on our
If you have any concerns about material which appears on our
site, please contact firstname.lastname@example.org.
Thank you for visiting our site.
HomeGround Terms And Conditions Of Supply
How These Terms And Conditions Work And What They Cover
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. Contacting Each Other
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
3. Giving Us Instructions
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.
3.2 Before we will act on an instruction, we will take steps to
check that the instruction is:
- genuine (in other words given by you); and
3.3 We can refuse to act on any instruction or accept a payment
into an account if we reasonably believe that:
- by carrying out the instruction we might break a law,
regulation, code or other duty which applies to us; or
- we reasonably believe that doing so might expose us to action
or censure from any government, regulator or law enforcement
- it is for a payment to or from, or you are trying to make a
card payment in, a limited number of countries. (We will tell you
which countries if you ask us or if you try to make a card payment
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. Payments Into Your Account
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
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
(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
5. Information We Must Give You And You Must Give Us
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. Our Liability To You And Your Liability To Us
6.1 We will not be liable to you for any losses you suffer or
costs you incur because:
- we do not act on a payment for any reason specified in these
terms and conditions;
- the details contained in the payment were not correct; or
- we break these terms and conditions due to abnormal and
unforeseeable circumstances outside our control where we could not
avoid breaking these terms and conditions despite all efforts to
the contrary - this may include, for example, a machine, electronic
device, hardware or software failing to work or being down for a
period, industrial disputes and complete or partial closure of any
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
7. Breach of these Terms and Conditions
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. Changing These Terms And Conditions
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
- the change would make the terms easier to understand or fairer
to you; or
- the change would not be to your disadvantage; or
(b) to cover:
- the improvement of any service or facility we supply in
connection with the account;
- the introduction of a new service or facility;
- the replacement of an existing service or facility with a new
- the withdrawal of a service or facility which has become
obsolete, or has ceased to be widely used, or has not been used by
you at any time in the previous year; or
(c) to enable us to make reasonable changes to the way we look
after your accounts as a result of changes in:
- the banking or financial system;
- technology; or
- the systems we use to run our business; or
(d) as a result of a regulatory requirement (or where we
reasonably expect that there will be a change in a regulatory
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
9.3 You must:
- not attempt to change any software provided by us;
- not copy or allow any third party to use or copy any software
provided by us without our consent; and
- tell us as soon as you can if you become aware of any failure,
delay, malfunction, virus or error in the sending or receiving of
instructions or any suspected fraud.
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
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. General Information
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.
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