Cookie Policy

Five Hubs / and/or Facilitators London Websites /

Cookies Policy


Understanding how and why we use cookies

We use cookies to give you the best possible experience on our website. Cookies allow you to do many things such apply for products and services online.

When you visit this site, we ask for your consent to use cookies. To find out more about how we use them and what benefits they bring, please take a few moments to read this Cookie Policy.


What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognise a user's device.

At (Five Hubs / and/or Facilitators London Websites /, we use cookies for a variety of reasons, such as to determine preferences, let users navigate between pages efficiently, verify the user and carry out other essential security checks. Some of the functions that cookies perform can also be achieved using similar technologies. This policy refers to 'cookies' throughout, however it also covers these alternate mechanisms.

More information about cookies can be found on


How cookies make our website safer and easier to use

We use cookies to safeguard your privacy when you're browsing our website and use secure online application forms. If you leave a secure session window open when logged in to Business Internet Banking, we use cookies to enhance your security by prompting you to end (or automatically ending) your secure session.

Cookies can allow us to tailor the content of our website to suit your interests. For example, instead of displaying promotional messages about products you already have, they let us show you other services you may be interested in.

We use 'analytics' cookies to help us make our website better for those who visit it regularly. They help us work out what users like and don't like and how we can improve things for you.

When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as (Five Hubs / and/or Facilitators London Websites / is not responsible or liable for their privacy practices.


How we work with trusted third parties

Third parties are trusted suppliers to (Five Hubs / and/or Facilitators London Websites / They include our insurance policy providers, partners who provide important functionality to our website, such as our live chat service, and partners who help us improve our website, such as Webtrends, who provide statistics about which pages are visited most frequently.

We only use cookies from third parties in order to provide our customers with (Five Hubs / and/or Facilitators London Websites / products and services. The only time cookies would enable us to share personal information such as your name, address, telephone or email is when you have given us express consent to pass it on to a trusted third party - for example, if you were applying for an insurance product from one of our third party insurance providers.

You will only ever be shown (Five Hubs / and/or Facilitators London Websites / advertisements on our website - never those from other companies. Of course, you may see (Five Hubs / and/or Facilitators London Websites / advertisements when browsing other companies' websites too. Some of these will be general campaign-related adverts but others will be tailored to your likely interests based upon previous web browsing activity - these can be easily identified as they feature a small blue AdChoices icon in the corner of the advert. If you want to opt-out of receiving targeted adverts from (Five Hubs / and/or Facilitators London Websites /, please read our (FAQs).


How you can manage your cookies

The browsers of most computers, smartphones and other web-enabled devices are typically set up to accept cookies. If you wish to amend your cookie preferences for this website or any other websites, you can do this through your browser settings. Your browser's 'help' function will tell you how to do this.

However, please remember that cookies are often used to enable and improve certain functions on our website. If you choose to switch certain cookies off, it is likely to affect how our website works. For example, if your browser is set to disable 'session' cookies, although you will still be able to view our public website, you won't be able to log on to Internet Banking.

More information about how to disable cookies can be found on :


How we improve our email

We use email analytics and reporting tools to see how many of our emails are opened and which links receive the most clicks. Knowing which articles and topics our customers like and which they don't like helps us improve our content and make our emails more relevant.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. (Five Hubs / and/or Facilitators London Websites / will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please call/text request CALL BACK our online security on (07458 946941),

if you are a Business customer, please text request a CALL BACK on (07458 946941).

If you wish to unsubscribe from marketing emails, please click on the link located in the footer of any marketing email you've received from us.


More about your privacy

To find out more about how (Five Hubs / and/or Facilitators London Websites / protects your privacy when using our website, see our Website Terms and Privacy Statement.


Frequently asked questions

Find answers to some questions you may have about our cookies and how we use them at :


Essential cookies

These cookies are vital to us providing key features of our website, such as the ability to use online tools, log on securely and save your favorite articles.

For more info in Essential cookies visit :


Privacy Statement & Site Terms

This document sets out the Terms and Privacy Statement ('Terms') of Five Hubs / and/or Facilitators London Websites / and any sub-domain e.g. Five Hubs / and/or Facilitators London Websites / (the 'Site'). This Site is operated by (Five Hubs) PLC, which is owned by (Five Hubs / and/or Facilitators London Websites / Holdings LTD. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy ('Cookie Policy').

(Five Hubs / PLC / and/or Facilitators London Websites / LTD plc is authorised by the Company House and regulated by the HMR Revenue & Customs. It is listed with the registration number (1123 0320/NEWDIR). (Five Hubs / and/or Facilitators London Websites / LTD plc is a company incorporated under the laws of England and Wales with company registration number (11230320) and its registered office at Cavendish Drive E11 1DL. (Five Hubs / and/or Facilitators London Websites / LTD plc's registered VAT Number is GB (-  ).

(Five Hubs / and/or Facilitators London Websites / LTD plc is a member of the Financial Ombudsman Scheme and subscribes to the Standards of Lending Practice. More detail about this is available on the website. For information about accounts and other products you can refer to the Five Hubs / and/or Facilitators London Websites / Advice Service section on the Five Hubs / and/or Facilitators London Websites / website.

In these provisions:

'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)

'you', 'your' and 'yours' means you, the person(s) accessing this Site and the party on whose behalf you are doing so

'we', 'us' and 'our' means (Five Hubs / and/or Facilitators London Websites / LTD plc

'(Five Hubs / and/or Facilitators London Websites / Group' means (Five Hubs / and/or Facilitators London Websites / Holdings plc, its subsidiaries and associated companies from time to time

Site Terms

These Terms cover your use of this Site. All products and services provided by members of the (Five Hubs / and/or Facilitators London Websites / Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

Privacy Statement

This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy statement and the Terms may change at any time in the future. You should also read our Cookie Policy to find out more about how (Five Hubs / and/or Facilitators London Websites / and our trusted partners use cookies, which is relevant to your online security: we use cookies to make our website more secure and easier to use.

(Five Hubs / and/or Facilitators London Websites / LTD plc provides financial products and services through its affiliated companies and branches located worldwide. Privacy and personal data protection principles vary from one country to another. When you access or link to any other website, please read the privacy and data protection statements or agreements issued by such other website to determine the policies that apply to information or data maintained by that website.

(FLW’s) business has been built on trust between us and our customers. To preserve the confidentiality of all information you provide to us:

(FH / FLW) will only collect information that it believes to be relevant and required to understand the customer's needs and to conduct (Five Hubs /FH / and/or Facilitators London Websites / FLW /’s) business.
(FH / FLW) will use customer information to provide customers with better customer services and products.
(FH / FLW)may pass customer information to other (FH / FLW) Group companies or agents, as permitted by law.
(FH / FLW) will not disclose customer information to any external organisation unless (FH  / FLW) have customer consent or are required by law or have previously informed the customer.
(FH / FLW) may be required, from time to time, to disclose customer information to Governmental or judicial bodies or agencies or (Five Hubs / and/or Facilitators London Websites /’s) regulators but (FH / FLW) will only do so under proper authority.
(FH / FLW) aim to keep customer information up-to-date.
(FH / FLW) maintain strict security systems designed to prevent unauthorised access to customer information by anyone, including (FH / FLW) staff.
All (FH / FLW) group companies, or (FH / FLW) staff and all third parties with permitted access to customer information are specifically required to observe (FH / FLW) confidentiality obligations.
By maintaining our commitment to these principles, we will ensure that we respect the inherent trust that you place in (FH / FLW).

Information not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the "Act"), or the rules of the FSA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Trademarks and copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to (Five Hubs / and/or Facilitators London Websites / LTD plc unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. (Five Hubs / and/or Facilitators London Websites / will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling our Five Hubs / and/or Facilitators London Websites / or text request CALL BACK on (07458 946941)
or send us an email to or to let us know


Social Media

(Five Hubs / FH / and/or Facilitators London Websites / operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless stated otherwise, these are intended for UK customers. We monitor and record comments and posts made on these channels about (FH / FLW) so that we can improve our services.

(FH / FLW) is not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.

(FH / FLW) doesn't give investment, tax or other professional advice via social media sites. You should always seek independent advice before making such decisions.

When you engage with (FH / FLW) via social media your personal data may be stored on that social media site's servers, which are outside the control of (FH / FLW) and may be in the US or elsewhere outside the EU. Any information posted to such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. (FH / FLW) will not ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.

(FH / FLW) regularly updates and monitors our social media accounts and welcomes feedback and ideas submitted via these channels. (FH / FLW) endeavours to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to official (Five Hubs / and/or Facilitators London Websites /’s) social media accounts.

Emerging themes and helpful suggestions are passed to the relevant people within (FH / FLW) for consideration, but no guarantee is made that any proposals will be acted upon.


(FH / FLW) operates the following official Twitter streams in the UK

If any of the ( streams above follow another user then this does not imply endorsement of any kind.


(FLW) operates the following official Facebook pages in the UK
To see the full terms of use relating to our Facebook pages please visit the official (FLW) Facebook page.








Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Your queries

If you wish to contact (Five Hubs / and/or Facilitators London Websites / LTD plc, please refer to the Contact Us link which can be found on on our Five Hubs / and/or Facilitators London Websites / website.

This Policy was last updated on (13) (10), 2018







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