Important legal information

This system is for legitimate users only - all unauthorised access is prohibited.

1. Definitions

1.1 "MoneySense™" means the NatWest programme of teaching money management and enterprise skills whose full name is:

"NatWest MoneySense for Schools" and which includes the content of the MoneySense website and the content of the MoneySense booklets.

"NatWest"/ "us"/"our" means National Westminster Bank Plc.

"User"/"You" means any user of MoneySense.

"the School" means a school in the United Kingdom which has registered with MoneySense via a teacher.

"the Teacher" means the teacher or tutor named in the School's Registration Form who is authorised by the School to use MoneySense and accept communications from NatWest on behalf of the School.

"Modules" means the four MoneySense modules that form part of MoneySense and which consist of various financial information and activities. These Modules are available in two formats – as online activities on the MoneySense website and as photocopiable worksheets in the MoneySense booklets.

“the Teachers’ Notes area” means the area of the MoneySense site only accessible via registration and use of a User ID.

"User ID" means the individual User ID given to the Teacher and which must used in order to access and/or download the content in the Teachers’ Notes area of the MoneySense website.

“Software” refers to Adobe Acrobat Reader, Flash Player and Windows Media Player which are required to view various elements on the site such as downloadable PDFs and Flash activities and videos. Flash version 8 or higher is required.

2. MoneySense content

NatWest is committed to making its MoneySense for Schools Programme available to teachers and schools in England and Wales. The materials relating to the MoneySense for Schools Programme and the participation of the Bank's employees in this Programme (when a Bank employee is available to participate), are provided free of charge to those schools interested in this Programme.

If you are approached by a third party for any payment relating to any aspect of the delivery of our MoneySense for Schools Programme, please note that this step is being taken by these third parties without the Bank's knowledge, authority or consent. If this happens, please contact us and let us know.

Should you require any further information on the provision of the MoneySense for Schools Programme call 0800 912 0870, fax 0800 912 0871 or email moneysense@education.co.uk.

2.1 MoneySense is designed to assist teachers and students in the learning of money management and enterprise skills and should always be used in addition to relevant curriculum material. MoneySense is not designed to be used for advising in relation to any individual or business financial circumstances and should not be used in such a context.

2.2 Views expressed in MoneySense are not necessarily those of NatWest.

2.3 NatWest warrants that the MoneySense content written by NatWest does not infringe any third party intellectual property rights.

2.4 NatWest will use reasonable endeavours to correct any inaccuracies in MoneySense content that are brought to its attention. However, NatWest does not accept any other obligations or liabilities in respect of inaccuracies in MoneySense content.

2.5 You should ensure that any information you provide to us for use on the site is copyright free.

3. Copyright Licence

3.1 You hereby grant us a non-exclusive royalty-free licence to use, copy, publish, amend and modify any material or part thereof which you provide to us for use on the MoneySense website.

4. Improper use

4.1 The User agrees that it shall use MoneySense for lawful purposes only.

4.2 The User shall not knowingly use MoneySense to receive or transmit material that is obscene, offensive, defamatory, in breach of confidence or in breach of any intellectual property rights.

5. Registrations

5.1 The MoneySense website invites Users who are teachers or tutors to register with MoneySense on behalf of the school they are employed by, in order to be able to access and download the content of the Teachers’ Notes area.

5.2 The School's computing system will require Adobe Acrobat Reader to view PDF documents, and the latest version of the Flash Player to view the Flash videos and activities which are available of the MoneySense website.

5.3 The School is responsible for the supply, maintenance and compatibility of their computer system(s) being used to access the online MoneySense Programme.

6. Software

6.1 Where either the Flash Player or Adobe Acrobat reader is required to view elements on the site a link has been provided to enable users to download this ‘software’.

6.2 NatWest is not responsible for the any software and accepts no liability for any losses resulting from use of this software.

7. User ID

7.1 Upon registration, the Teacher will be allocated a User ID.

7.2 The User ID must be used in order to access and/or download content from the Teachers’ Notes area of the MoneySense website.

7.3 The Teacher must not disclose or reveal their User ID to any third party or keep it in a place where it might be discovered

8. Confidentiality

8.1 NatWest shall use all reasonable endeavours to ensure that School and Teacher information (held by NatWest) is kept confidential, is used only in accordance with this agreement, and is not disclosed to any third party unless NatWest is required to disclose by law or with the School's and/or Teacher's consent.

8.2 The Teacher agrees to personal information held by NatWest being used by NatWest from time to time in order to contact the Teacher and obtain feedback about MoneySense. If the Teacher does not want to be contacted by NatWest, they should write to the MoneySense for Schools, FREEPOST RR59, ROCHESTER, Kent, ME2 4BR.

9. Intellectual Property rights

9.1 The School is allowed to reproduce the Modules for the purposes of teaching at the School only.

9.2 Notwithstanding 8.1, the School shall not copy, republish or reproduce (by electronic means or otherwise), use, sell or lend the Modules or any extracts from the Modules without NatWest's written consent.

9.3 The School acknowledges that the copyright and all other intellectual property rights in the Modules (including the form or manner in which the Modules are arranged or presented by Natwest) shall continue to be the property of NatWest.

10. Variation

10.1 NatWest reserves the right to change, amend, or withdraw the content (or any part of the content) of the MoneySense website and/or Modules from time to time and shall, where possible, give the School reasonable notice of any such changes.

10.2 NatWest reserves the right to vary the conditions of this Agreement from time to time and will always give the School at least 30 days written notice before any such change takes effect.

11. Liability

11.1 These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with Your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

11.2 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to You under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

11.3 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If You use this website from other jurisdictions, You are responsible for compliance with applicable local laws.

11.4 We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage,
    suffered or incurred arising out of or in connection with Your use of this website and these terms and conditions.

11.5 Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

11.6 To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of The Royal Bank of Scotland Group) for You to access at Your sole discretion. You acknowledge and agree that, as You have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

11.7 The above limitation or exclusion may not apply to You to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

12. Termination

12.1 The School may terminate their registration at any time by giving written notice to NatWest.

12.2 NatWest reserves the right to suspend the School's registration where it has not used the MoneySense Modules within a period of 90 consecutive days.

12.3 NatWest may terminate the School's registration by giving at least 30 days notice. However, NatWest may terminate the school's registration upon shorter notice if:

i. the Teacher is persistently in breach of this Agreement or in the event of their fraud or misuse of MoneySense.

ii. it is reasonably necessary to protect NatWest and/or Teacher and/or the School.

13. Telephone Calls

13.1 Telephone calls may be recorded or monitored in order to maintain and improve our service.

14. Applicable law

14.1 The terms and conditions of this Agreement will be construed in accordance with English law and will be subject to the exclusive jurisdiction of the English courts.

15. Registered details

15.1 National Westminster Bank Plc, Registered in England No 929027. Registered Office: 135 Bishopsgate, London EC2M 3UR.

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