You can have a maximum of two account holders on a Select Silver, Reward Silver, Select Platinum, Reward Platinum, Black or Reward Black account. Any one of you can discuss your account with us or give us instructions (without the consent of the other account holder(s)). This includes instructions to withdraw all of the money in your account or close your account. If you don’t want your account to work in this way, any one of you can tell us that we can only accept instructions from all of you acting together. After this happens, all instructions must be in writing and signed by all of you. This means that you won’t be able to use our telephone, mobile or online banking services, or use a debit card as these services rely on us being able to accept instructions from just one of you. If you want to add or remove an account holder on an account, you must all agree to this. Where a joint account holder is the victim of financial abuse we may agree to a request from them to be removed from an account without the agreement of the other account holder(s). You’re all responsible to pay back any overdraft on your account. This means that we can ask all or just one of you to repay the full amount of any money you owe us and not just a share. This applies even if you’re unaware that an overdraft has been used on your account.
The website and the solutions are operated and managed by separate entities. Refsnes Data offers including all its content, information, and related tools. The solutions (Such as Spaces, Courses, and My learning) and billing system are operated. The two entities are separately responsible for the services that they provide, manage and operate.
Throughout the site, the terms "we", "us" and "our" refer to Refsnes Data and Network.
By visiting our site and/or purchasing something from us, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service", "Terms"), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.
Please read these Terms of Service carefully before accessing or using our website or services. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.
Any new features or tools which are added to the current site shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
Access to services may require you to register an account. This could require you to provide information about yourself such as name, email address and credit card details. The account information and the use of data is subject to our Privacy Policy
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You are responsible for complying with any law, rules, and regulations applicable to you.
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of our Terms can result in an immediate termination of your Services. We reserve the right to remove or restrict your account and to remove content such as websites and other user-created data at any time at our sole and absolute discretion.