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Terms of website use

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    Terms of website use

    This site is for intermediaries only, members of the public should not use it or rely on any of the information on it and should use the main Atom website.

    These terms (together with the documents referred to in them) tell you the terms on which you may make use of our website (our Site). Use of our Site includes accessing or browsing our Site.

    Please read these terms of use carefully before you start to use our Site, as these will apply to your use of it. We recommend that you download and save a copy of these terms for future reference.

    By using our Site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our Site.

    Other documents you should read

    These terms of use refer to the following additional provisions and policies, which also apply to your use of our Site:

    • Our Intermediary Terms of Business and Lending Criteria, which set out the terms on which we will accept business from an Intermediary.
    • Our Privacy Policy, which sets out the terms on which we process any data we collect from you, or that you provide to us. By using our Site, you and your client(s) consent to such processing and you warrant that all data provided by you is accurate.
    • Our Acceptable Use, which sets out the permitted uses and prohibited uses of our Site. When using our Site, you must comply with this Acceptable Use Policy.
    • Our Cookie, which sets out information about the cookies on our Site.
    • Our Network Lender Agreement and Procuration Fees Schedule which will be available from your Network.

    What you need to know about us is a site operated by Atom Bank plc ('We'). We are registered in England and Wales under company number 08632552 and have our registered office at The Rivergreen Centre, Aykley Heads, Durham DH1 5TS. Our VAT number is 204140372.

    We are authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA.Our Financial Services Register number is 661960.

    What happens if we need to change anything?

    We may make changes to these terms and conditions. Please review these pages from time to time because any changes we make are binding on you.

    Changes to our Site

    We’ll always try our best to ensure the information on our Site is accurate and up to date. We may update our Site from time to time, and may change the content at any time. We recommend that you check on our Site from time to time to ensure you are up to date with any changes. We do not guarantee that our Site, or any content on it, will be free from errors or omissions.

    Using our Site

    Our Site is made available free of charge.

    We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. Access to our Site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our Site is unavailable at any time or for any period.

    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 of use and other applicable terms and conditions, and that they comply with them.

    Copyright and trademark statement

    All of our designs, logos and material are owned by or licensed to us and protected by copyright laws, including Atom, Atom Bank, Digital Mortgages by Atom Bank and the eight “A” marques which are registered trademarks of Atom Bank plc, with all rights reserved.

    You may print off a copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content 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 content on our Site must always be acknowledged.

    If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

    Using the information on our Site

    Our products and services are available only within the UK and to UK residents. The products and services featured here cannot be guaranteed and may not always be available. They could be subject to change or withdrawal at short notice.

    The information on our Site is not financial or professional advice and cannot be relied upon as such.


    We’re not responsible if we don’t comply with any of the Terms and Conditions:

    • due to abnormal or unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary;
    • where our failure to comply is due to our obligations under European or national law.

    We’re not liable for business losses. We’ll have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

    We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, 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 content on it, or on any website linked to it.

    We assume no responsibility for the content of websites linked on our Site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.


    We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software. 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.

    Applicable law

    These terms of use are governed by the law of England and Wales and if there is any disagreement about them, we each agree that this’ll be dealt with by the Courts of England and Wales.

    Alternative formats

    Our digital format goes a long way towards achieving full accessibility for all, but if you need these Terms of use supplied in another format, or if we can help you to use our services in any other way, simply contact us via the contact us button on the website or call us on 0333 990 055.