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Terms and Conditions of use

Last updated: 21 July 2025

Welcome to the website of OakNorth Bank plc, United States Representative Office (โ€œOakNorth,โ€ โ€œwe,โ€ or โ€œusโ€). By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions of Use. If you do not agree with these terms, please do not use the website.

  1. General Information

OakNorth Bank plc is a UK-based bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom. Our representative office in the United States does not offer or provide banking services or accept deposits. The information provided on this website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any products or services in the United States.

  1. No Offer or Solicitation

Nothing on this site constitutes an offer or solicitation to conduct business in any jurisdiction where such activity is prohibited. In particular, our services are not being offered in the United States to retail customers. Any products or services described may be subject to legal and regulatory restrictions and may not be available in all jurisdictions or to all persons.

  1. Intellectual Property

All content on this site, including text, graphics, logos, images, and software, is the property of OakNorth or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or republish any content without prior written consent from OakNorth, except as otherwise permitted by applicable law.

  1. Use of Website

You agree to use this website for lawful purposes only and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the website by any third party. You are prohibited from using this site to engage in any unlawful, fraudulent, or harmful conduct.

  1. No Warranty

The materials on this website are provided โ€œas isโ€ and without warranties of any kind, either express or implied. OakNorth makes no representations or warranties regarding the accuracy, completeness, or timeliness of the information. Use of the site is at your own risk.

  1. Limitation of Liability

To the fullest extent permitted by law, OakNorth will not be liable for any damages, losses, or liabilities, including but not limited to direct or indirect loss of profits, arising from your use of or reliance on this website or its content.

  1. Links to Third-Party Websites

This website may contain links to third-party websites. These links are provided for your convenience only. OakNorth does not endorse or assume responsibility for the content, security, or practices of third-party sites.

  1. Privacy

Please refer to our [Privacy Notice] for details on how we collect, use, and protect your personal data. By using this site, you consent to the collection and use of your information in accordance with our Privacy Notice.

  1. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising out of or relating to this site shall be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York.

  1. Updates

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the site after any changes indicates your acceptance of the updated terms.

Contact Us

If you have any questions about these Terms and Conditions, please contact:

OakNorth Bank plc โ€“ U.S. Representative Office
445 Park Avenue, 6th Floor
New York, NY 10022
Email: questions@oaknorth.com