Website terms and conditions

This website is owned and maintained by Perenna Bank PLC (“we“, “us“, “our“).

The use of this website is subject to the following terms and conditions (“Terms“) that you should read carefully. By accessing any part of this website, you accept these Terms in full. If you do not accept these Terms, please do not use this website.

Our products and services are subject to their own terms and conditions. If you are considering applying for any of our products or using any of our services, please read the separate terms and conditions first. These will be provided to you when you sign up for a product or service, in your Perenna portal or on request. If there is any conflict between these Terms and any separate terms and conditions for products and services, the separate terms and conditions shall prevail.

If you have any questions about these Terms or use of the website, please contact us here.


1 Who we are

1.1 Perenna Bank PLC is a company registered in England and Wales with company number 13084174 and registered office at 20 Eastbourne Terrace, London W2 6LG.

1.2 Perenna Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 956138.


2 Use of this website

2.1 Access to and use of this website is at your own risk and we do not warrant that use of this website will not cause damage to any property, or otherwise minimise or eliminate the risks of the internet.

2.2 This website is designed for use in the United Kingdom and should not be used by any person or legal entity anywhere where the availability or use of this website goes against the law or regulation of that country. If you choose to enter this website, you are responsible for meeting any requirements of applicable local, national or international laws and any use of this website outside the United Kingdom is at your own risk.

2.3 While we try to make sure that the website is available for your use, we cannot promise that the website will be available at all times or that your use of the website will be uninterrupted.

2.4 As a condition of your use of this website, you agree not to:

(a) use our website for any unlawful, improper or illegal purpose or activity;

(b) violate copyright, trade mark, proprietary or other intellectual property rights of us or any third party;

(c) transmit confidential or proprietary information, except your own and then solely at your own risk;

(d) misuse or attack our website by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack); or

(e) attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website.

2.5 We may prevent or suspend your access to this website if you do not comply with these Terms or any applicable law.


3 Website content

3.1 The content on our website (including the mortgage calculator) is provided for information purposes only and nothing on this website is intended to amount to financial, investment, legal, tax or professional advice on which you should rely on.

3.2 Although we make every effort to update the information on our website, we make no representations, warranties or guarantees of any kind, whether express or implied, that the content on our website is accurate, complete or up to date. Additionally, we are not obliged to remove any outdated information from the website or to expressly mark it as being outdated. We also cannot guarantee that the website is free from bugs.

3.3 Where statements contained in this website are based on information provided by third parties, we are not liable for any loss resulting from reliance on those statements.


4 Intellectual property rights

4.1 Unless otherwise stated, the copyright, trade marks and other intellectual property rights in all material on this website (including without limitation images and text) are owned by us or our licensors and all such rights are reserved. This means we own the website and everything on it and reproduction in any form of any part of the contents of our website without our prior written consent is prohibited unless for personal use only.

4.2 This website contains trade marks belonging to us. These trade marks include, but are not limited to, the word mark “Perenna”. If you are in any doubt as to whether an item is a trade mark of ours or licensed to us, please contact us for clarification.


5 Use of personal data

5.1 Any personal data that you provide to us through your use of the website will be dealt with in line with our Privacy Notice available here.


6 Links to third party websites and resources

6.1 Where our website contains links or references to websites and resources provided by third parties, these links are provided solely for your information only. We have no control in any way over the contents or availability of third party websites or resources and we are not responsible or liable in any way for any losses or other damage you suffer as a result of using third party websites or resources. Your use of a third party website may be governed by the terms and conditions of that third party website and is at your own risk.


7 Links to this website

7.1 You may not link any other website to this website without obtaining our prior written consent. Where we do provide our consent, you may only do so on the basis that you link to, but do not replicate, the home page of this website. You must also not:

(a) remove, distort or otherwise alter the size or appearance of any images or logos;

(b) create a frame or any other browser or border environment around the website;

(c) in any way imply that we are endorsing any products or services other than our own;

(d) misrepresent your relationship with us or present any other false information about us;

(e) use any trade marks displayed on the website without our express written permission;

(f) link from a website that is not owned by you; and/or

(g) have any content on your website that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws.


8 Internet communications

8.1 In order to maintain the security of our systems and to detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checking for viruses and other malignant code, criminal activity and use or content that is unauthorised or unlawful or material that may cause harm or offence.


9 Exclusion of liability

9.1 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.

9.2 We accept no liability however caused (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:

(a) economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);

(b) loss of goodwill or reputation; or

(c) loss or damage which was not reasonably foreseeable, suffered or incurred arising out of or in connection with your use of this website and/or these Terms.

9.3 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or for fraud or fraudulent misrepresentation.

9.4 Nothing in these Terms shall exclude or limit or restrict our duties and liabilities to you under the Consumer Rights Act 2015.


10 Changes to this website and these Terms

10.1 We may update and change this website and/or amend these Terms at any time without notice and your use or continued use of the website is deemed to be acceptance of any updates to the Terms. These Terms were last updated on 28 November 2023.


11 Governing law and jurisdiction

11. 1 These Terms are governed by the laws of England and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the courts of England and Wales.