Terms of use

Frequently asked questions

Here you can quickly find answers to our customers’ most common questions.

• Like to know more about managing one of your accounts?
• Need additional information about a product or service?
• You can call us 24/7 on +44-746-227-2978 (Calls to this number use free plan minutes if available, otherwise they cost the same as 01/02 prefix calls)

The following terms and conditions ("Terms of use") govern the relationship between you and Alliance Credit Union ("Nationwide Financial Group" or "we"). By using this website, you are agreeing to comply with and be legally bound by the Terms of use and our privacy policy. If these Terms of Use and our Online Banking Security features and policies on http://www.Alliancecunion.com/personal/faqs/online-banking-security-Faq.html are not acceptable to you, please do not use this website. All products and services offered by Alliance Credit Union are subject to separate terms and conditions, which govern their use. If you are an existing customer ofAlliance Credit Union these Terms of use will apply in addition to any product or service specific terms and conditions.

Information about us

www.Alliancecunion.com is a website operated by Alliance Credit Union which is a company incorporated in Switzerland.

Alliance Credit Union is authorised by the Regulation Authority and regulated by the Financial Conduct Authority

Intellectual Property Rights and Restrictions on Use

Alliance Credit Union grants to you a limited non-exclusive, non-transferable license to view, copy and print the material on this website (other than the design or layout of this website) for your non-commercial or personal use only. All copies that you make must retain all copyright and other notices that are on this website. Our status and that of any identified contributors as the authors of material on our website must always be acknowledged. Except as provided in the previous sentence, you may not use, distribute, sell, modify, transmit, revise, reverse engineer, republish, post or create derivative works (where applicable) of the trade-marks, trade names, logos, patent, information, software or other intellectual property, material or content in these Terms of Use, referred to (collectively, as the "content") of this website without Alliance Credit Union’s prior written permission. You acknowledge and agree that this website, its content including all software used on this website are the property of Alliance Credit Union, its affiliates or their respective service providers, suppliers or licensors and you will not acquire any rights or licenses in or on this website or in its content. This website and its content are protected by copyright, both individually and as a collective work or compilation and by trade-mark law, patent law and other applicable laws.

Trademarks

TheAlliance Credit Union (Logo), I-Logo and AllianceCU (Logo), and other marks used on this website belong to Alliance Credit Union You are not permitted to use any of the trademarks displayed on this website (including without limitation those listed above) without the prior written consent of Alliance Credit Union or the third party that owns the trademark.

Your authority to use this website

By using this website, you are representing to us that you have the power and authority to accept these Terms of Use and to enter into this agreement with us, that you are capable of assuming and do assume any risks related to the use of this website and its content, and that you understand and accept the terms, conditions and risks relating to their use. If you are dissatisfied with this website or its content, your sole and exclusive remedy is to stop using it.

DISCLAIMERS AND EXCLUSION OF LIABILITY

The following provisions exclude or limit our liability for this website. They all apply only so far as the law allows. In particular, we do not exclude or limit any of our responsibilities under the Financial Services and Markets Act 2000 and the Financial Conduct Authority rules for the conduct of business.

 

The content of this website is for information purposes only.Alliance Credit Union has taken care in preparing the content of this website. However, except as set out below,Alliance Credit Union and each of its affiliates, licensors, service providers and suppliers shall not be liable for any inaccurate, delayed or incomplete information, or any omission nor for any actions taken in reliance thereon. The information contained in this website provided by any third party, including without limitation, the information obtained through any link, has been supplied without verification by us. Neither Alliance Credit Union nor any of its affiliates, licensors, service providers or suppliers makes or has made any recommendations or endorsements regarding the products, investments or services of any third party mentioned or referred to in this website. Please note that all third party products, investments or services must be ordered or purchased directly from the third party. Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed.

 

This website could include technical or other inaccuracies or typographical errors and it is provided to you on an "as is" basis without warranties or representations of any kind.

 

To the extent permitted by law Alliance Credit Union, its affiliates, licensors, service providers and suppliers expressly exclude all representations, guarantees, warranties, conditions and terms of any kind, whether express or which might otherwise be implied by statute, common law or equity [including without limitation, representations, guarantees, warranties, conditions or terms regarding accuracy, timeliness, completeness, non-infringement, satisfactory quality, merchantability, merchantable quality or fitness for any particular purpose or those arising by law, statute, usage of trade, or course of dealing.]

 

Nationwide Financial Group and each of its affiliates, licensors, service providers or suppliers to the fullest extent permitted by law also expressly exclude any liability for any direct, indirect, consequential or special loss or damage incurred by any user in connection with our website or in connection with the use, inability to use or results with the use of our website or 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, damage to reputation, 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.

 

Nothing in these ‘Terms of use’ shall operate to limit or exclude our liability for death or personal injury arising from our gross negligence nor any other liability which cannot be excluded or limited under applicable law.

 

Nationwide Financial Group does not guarantee that access to and use of the website will be uninterrupted or error-free. From time to time Alliance Credit Union may suspend or restrict access to the website in order to carry out repairs, maintenance or to introduce new facilities.

 

Nationwide Financial Group reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this website.

Severance

If any provision in these Terms is declared invalid or unenforceable or becomes so by applicable law, such provision shall to the extent of such invalidity or enforceability be deemed severable and not affect the validity or enforceability of the remainder of these ‘Terms of use’. We have reasonable security measures in place to protect against the loss, mis-use and interception by third parties of the information under our control.

Transmission of information is at your risk

Nationwide Financial Group cannot guarantee that the transmission of information or messages sent over the Internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be liable for any loss, damages or cost whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to Alliance Credit Union over the Internet or the alteration, interception or misuse of such information.

 

Please read our privacy policy to know how we process your information.

Advertising and Links

Nationwide Financial Group may, from time to time, accept advertising from certain entities and may receive a fee from their advertising on the AllianceCU or Alliance Credit Union websites. No endorsement by Alliance Credit Union is intended or implied by the presence of such advertising.

 

As a convenience to our visitors, theAlliance Credit Union and AllianceCU websites currently contains links to a number of websites. The privacy policies and procedures described here do not apply to those websites. We suggest contacting these websites directly for information on their data collection and distribution policies.

Your linking to such websites or pages is at your own risk.Alliance Credit Union is not responsible and excludes (to the extent permitted by law) all liability for the accuracy or reliability of any information, data, opinions, advice, or statements made on or other content of these sites and for actions taken as a result of any of the foregoing.Alliance Credit Union provides these links merely as a convenience and the inclusion of such links does not imply that

• Nationwide Financial Group endorses or accepts any responsibility for the content or uses of such Websites;
• Nationwide Financial Group or this website is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol ofAlliance Credit Union or any of its affiliates or subsidiaries.

Hyperlinks

Unless you have a written agreement in effect with Alliance Credit Union which states otherwise, you may not provide a hypertextlink to theAlliance Credit Union website on another website.

Non-Confidential use of your postings

Any non-personal communication, comments, ideas or material you post or transmit to Alliance Credit Union is, and will be treated as, non-confidential and non-proprietary. By transmitting or posting any such non-personal communication, comments, ideas or material ("your communication") to this website you grant to Alliance Credit Union and all of its affiliates, an unrestricted, irrevocable license to use, reproduce, display, modify, transmit, distribute, publish, broadcast or post "your communication" for any purpose. You also agree thatAlliance Credit Union is free to use any ideas, concepts, know-how or techniques that you send us for any purpose.

Changes to Terms of Use

Nationwide Financial Group reserves the right to update and revise these ‘Terms of use’ at any time without notice to you. You are bound by such updates and revisions so we encourage you to visit this page frequently to keep yourself updated. Your continued use of this website will mean that you agree to any changes.

Violations of ‘Terms of use’

Nationwide Financial Group reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to our site

Other Countries

This website is intended to be accessed by persons located in the United Kingdom. This website can be accessed from countries around the world other than the United Kingdom and may contain references to Alliance Credit Union group company products, services, and programs that have not been announced in such countries. These references do not imply thatAlliance Credit Union intends to announce such products, services or programs in such countries.Alliance Credit Union makes no representation or warranty that the content of this website is appropriate or available for use in countries than the United Kingdom, and accessing this website from countries or territories where its content is illegal is prohibited. Those who choose to access this website from countries other than the United Kingdom do so on their own initiative and at their own risk and are responsible for compliance with local laws andAlliance Credit Union excludes all liability for such access.Alliance Credit Union will not accept applications from persons located outside the United Kingdom.

Transactions concluded through our website

Contracts for the supply of products, investments, services or information formed through our website or as a result of visits made by you are governed by our separate terms and conditions in relation to such products, investments, services or information.

Viruses, hacking and other offences

You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.

 

By breaching this provision you will commit a criminal offence and we will report any such breach to the relevant law enforcement authorities and will cooperate with those authorities by disclosing your identity to them. In the event of such a breach your right to use our website 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 Website or to your downloading of any material posted on it or on any website linked to it.

 

This website (excluding linked sites) is controlled by Alliance Credit Union from its offices. By accessing this website, you andAlliance Credit Union agree that all matters relating to your access to, or use of, this website shall be governed by the statutes and laws of the EU, as applicable, without regard to the conflicts of laws principles thereof. You and Alliance Credit Union also hereby submit to the exclusive jurisdiction and venue of the court with respect to any and all matters arising in connection with these Terms of Use.

Privacy policy

Any changes to our Privacy policy and information handling practices shall be acknowledged in the Privacy policy in a timely manner. We may add, modify or remove portions of the Privacy policy when we feel it is appropriate to do so. You may determine when this policy was last updated by referring to the modification date found on our website.

Complaints

If you have a complaint, let us know

At Alliance Credit Union we strive to make services smooth, streamlined and responsive and our products customer focussed. However, there might be an occasion when you have cause for complaint. If you have a complaint, please inform us.

 

We aim to resolve your complaint within 24 hours; however there may be occasions where it may take longer. If this happens we will send you a written acknowledgement within two working days with details of who will be handling your complaint and how we intend to resolve it. In certain cases this may not be the same person who initially received your complaint but may be best equipped to help you. We will do our best to deal with it within 4 weeks. If we need more time, we will keep you informed every step of the way. A final response will be sent to you within 8 weeks of your original complaint.

Stage1

Contact Us

You can

• Walk into Alliance Credit Union office and speak to a member of staff
• Telephone Customer Relations on +44-746-227-2978 (Calls to this number use free plan minutes if available, otherwise they cost the same as 01/02 prefix calls)
• Email at admin@Alliancecunion.com

We will then arrange for the right person to investigate and respond to your concerns.

 

When you contact us please tell us:

• Your name and account number
• The reason for your complaint
• The product, if applicable, that your complaint refers to
• The name of the person/s that you dealt with
• A suggestion of what you would like the bank to do
• Your address and if you are happy to discuss the issue on the telephone, your day-time number
• When writing to us it would be helpful if you could submit copies of any documentation relevant to your complaint