Clear expectations. Responsible use.

1. Agreement and scope

These Terms of Use govern your access to and use of the Welsbank public website and its informational features, subject to any mandatory rights under applicable law.

By accessing or using the website, you agree to use it lawfully and in accordance with these terms. If you do not agree, discontinue use of the website. If applicable law requires a different form of acceptance, the responsible operator must implement that process.

These terms apply to the public website. A specific product or service may have additional terms, disclosures, eligibility requirements, and agreements. Where legally effective and applicable, those product-specific terms govern the relevant product.

2. Eligibility and authority

You may use this website only in compliance with applicable law. If you act on behalf of a business or another person, you represent that you have authority to do so.

Information on the public website is not an offer to provide every service in every location. Availability, age requirements, identity verification, residency restrictions, and other eligibility criteria depend on the actual product and responsible provider.

3. Website information

We aim to present website information clearly, but descriptions may be incomplete, change over time, or not apply to every user or jurisdiction. You should verify material details through the relevant official provider and current documentation before relying on them.

Descriptions of features, service concepts, or future capabilities do not mean that a product is currently available. A feature should be treated as available only when the responsible provider has formally made it available and published applicable terms.

4. No personalized financial, legal, or tax advice

General information on this website is provided for informational and educational purposes. It is not personalized financial, investment, legal, tax, or accounting advice and does not take your individual circumstances into account.

You are responsible for evaluating your circumstances and obtaining independent professional advice where appropriate. Past results, illustrations, examples, projections, or general explanations do not guarantee future outcomes.

5. Financial products and third-party providers

The Welsbank brand or website may describe banking-related concepts. The actual provider of any account, deposit, payment card, transfer, lending, or other financial product must be identified in the applicable official documentation.

Nothing in these terms should be interpreted as a representation that Welsbank itself is a bank, holds a particular licence, or offers a specific regulated product unless that fact is confirmed by the relevant official documentation.

Deposit insurance, payment protection, eligibility, fees, limits, and dispute rights depend on the actual institution, product, account structure, and applicable law. Do not rely on the website's design, brand name, or general wording as proof of insurance, regulatory approval, or a guarantee.

6. Accounts, access, and credentials

If account features are offered, their use may be subject to separate registration and product agreements. You are responsible for providing accurate information and maintaining the confidentiality of your credentials, subject to any mandatory rights and obligations under applicable law.

• Use official sign-in and account-recovery channels.
• Do not share passwords, one-time verification codes, or recovery keys with unexpected callers or messages.
• Notify the actual service provider promptly if you suspect unauthorized access or activity.
• Do not attempt to access accounts, systems, or information that you are not authorized to use.

These website terms do not replace the specific account agreement or determine the legal allocation of responsibility for an account or transaction.

7. Acceptable use

You agree not to use the website to violate law, infringe another person's rights, or interfere with its safe operation. Prohibited conduct includes:

• Attempting unauthorized access to the website, its server, database, or other users' information.
• Introducing malicious code or intentionally disrupting website operation.
• Submitting false, fraudulent, or misleading information for an unlawful purpose.
• Using automated requests to overload the website or circumvent reasonable security controls.
• Scraping, copying, or republishing protected content in violation of applicable rights or law.
• Impersonating another person or misrepresenting your relationship with a financial institution.
• Using the website to facilitate fraud, harassment, or other unlawful conduct.

We may investigate suspected misuse and take proportionate action consistent with applicable law.

8. Intellectual property

Unless otherwise stated, the website's original design, text, graphics, layout, and branding are owned by or licensed to the responsible rights holder. Applicable copyright, trademark, and other intellectual-property laws may protect these materials.

You may access and use public website content for personal, lawful, informational purposes. You may not reproduce, modify, distribute, commercially exploit, or create derivative works from protected content without permission, except where applicable law permits it.

Third-party names, trademarks, logos, and other assets remain the property of their respective owners. Their appearance on the website does not necessarily imply endorsement, affiliation, or partnership.

9. Third-party websites and services

The website may contain links to external websites or information about third-party services. External providers control their own content, availability, privacy practices, and terms.

A link or logo does not itself establish a partnership, endorsement, sponsorship, or authorization. You should review the relevant provider's official information before supplying personal information, making a payment, or entering into an agreement.

10. Privacy and security

The handling of personal information through the public website is described in the Privacy Policy. Additional privacy notices may apply to independent financial providers or specific products.

We use reasonable technical and organizational measures appropriate to the website's operation, but no internet transmission or electronic storage method can be guaranteed completely secure. Do not send passwords, one-time codes, or full payment credentials through general contact forms.

11. Website availability and changes

We may update, suspend, restrict, or discontinue website features for maintenance, security, operational, legal, or other legitimate reasons, subject to applicable law and any separate contractual obligations.

We may revise these terms by publishing an updated version and changing the date above. Where the law requires additional notice or consent, we will need to follow the applicable process. Continued use is not a substitute for obtaining consent where consent is legally required.

12. Disclaimers

To the extent permitted by applicable law, the public website and its general information are provided on an “as available” basis without a guarantee that the site will be uninterrupted, error-free, or suitable for every purpose.

We do not guarantee the accuracy, completeness, or ongoing availability of every external resource or general description. Nothing in these terms excludes a warranty or right that cannot lawfully be excluded or limited.

13. Limitation of liability

To the maximum extent permitted by applicable law, the website operator is not responsible for indirect or consequential loss arising solely from ordinary use of the public informational website, including loss of data or business interruption where such exclusion is legally permitted.

Nothing in these terms excludes or limits liability that cannot legally be excluded or limited, including any liability for fraud or other matters where limitation is prohibited by law. The scope of any limitation must be reviewed under the law governing the actual operator and user relationship.

These website terms do not replace the liability provisions in a separate financial-product or account agreement.

14. Indemnity

To the extent permitted by applicable law, you may be responsible for losses or reasonable costs directly caused by your unlawful misuse of the website or your infringement of third-party rights. This provision is not intended to impose liability that applicable law prohibits or to remove consumer protections that cannot be waived.

15. Suspension and termination

We may restrict access where reasonably necessary to address suspected abuse, protect website security, comply with law, or maintain service integrity. Where appropriate and legally permitted, we may provide notice or an opportunity to address the issue.

Ending access to the public website does not automatically determine the status of an account or a financial product provided under a separate agreement.

16. Governing law and disputes

Applicable law and venue must be completed before publication. The responsible legal entity should identify the governing law, competent courts or dispute-resolution procedure, and any mandatory consumer rights that apply.

Nothing in these terms is intended to prevent a person from exercising a statutory right or making a complaint to a regulator or other authority where applicable law permits it.

17. General provisions

Severability

If a provision is found unenforceable, it should be interpreted or limited to the extent necessary where legally permitted, and the remaining provisions should continue to apply.

No waiver

Failure to enforce a provision on one occasion does not necessarily waive the right to enforce it later.

Assignment

Any assignment of rights or obligations under these terms is subject to applicable law and any required notice or consent.

Entire agreement

These terms govern general use of the public website. They do not replace any separate agreement that lawfully governs a specific product or service.

Language

Where translations are provided, the operator should identify which version controls if versions differ, subject to mandatory legal requirements.

18. Contact

For questions about these website terms, use the Welsbank contact page. The responsible legal entity's name and registered address should be added to this section before publication.

Do not use a general website contact form to send passwords, one-time verification codes, or full payment-card credentials.