Website terms

Use of website

(1) The information provided on this website or in any communication containing a link to this website is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of our group to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by us for personal use and for information purposes only.

(2) Where any information on this website constitutes a financial promotion for the purposes of the Financial Services and Markets Act 2000 (FSMA 2000), it is issued and approved for distribution and use in the UK only.

(3) You must not use this website (or permit or procure others to use it) as follows:

• 3.1 for any unlawful, improper or illegal purpose or activity
• 3.2 to violate copyright, trademark, proprietary or other intellectual property rights of any member of our group or any third party
• 3.3 to damage the name or reputation of any member of our group or any third party
• 3.4 to impersonate any of our employees or other person or use a false name while using this website or implying an association with us
• 3.5 to generate excessive amounts of internet traffic, to interfere with our network or others’ use of this website or to engage in activities designed to or having the effect of degrading or denying service to users of this website or others
• 3.6 to introduce a computer virus, ‘trojan horse’, worm, logic bomb, back door, malware or similar item onto the internet or into this website
• 3.7 to transmit confidential or proprietary information, except your own and then solely at your own risk

Exclusion of Liability

(4) 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 to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

(5) 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 UK or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

(6) We accept no liability however caused (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:

• 6.1 economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings)
• 6.2 loss of goodwill or reputation
• 6.3 special or incidental loss or damage and/or 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 and conditions

(7) Access to and use of this website is at your 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.

(8) To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of our 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 that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for:

• 8.1 the privacy practices of such websites
• 8.2 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
• 8.3 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

Copyright

(9) © 2025 FreeAgent Central Limited. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

Trade marks

(10) This website contains numerous trade marks belonging to FreeAgent or the NatWest Group. These trade marks include, but are not limited to, the FreeAgent logo, FreeAgent, NatWest and the NatWest logo. If you are in doubt as to whether an item is a trade mark of FreeAgent or a member of the NatWest Group, please contact us for clarification.

Advice

(11) The contents of this website do not purport to provide any financial, accounting or professional advice and nothing on the pages of this website shall be deemed to constitute the offer or provision of financial, accounting or other professional advice in any way. In particular, you should obtain advice from a qualified accountant before making any accounting decision.

Changes to this website

(12) The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally, we shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

Internet communications

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

Regulatory information

(14) FreeAgent Central Limited is registered in Scotland (Registered number SC316774). Our registered office is One Edinburgh Quay, 133 Fountainbridge, Edinburgh, Scotland, UK EH3 9QG.

(15) FreeAgent is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm reference number 799763) for the provision of account information services. The Financial Services Register can be accessed at www.fca.org.uk/register.

(16) As a 100%-owned subsidiary of NatWest Group, FreeAgent forms part of the NWG VAT group. FreeAgent’s registered VAT number is GB 243852752.

(17) If you are not satisfied with FreeAgent’s product or service, we have a complaint handling procedure that you can use to resolve such matters. Please contact us so we can resolve your issue.

Enforceability

(18) In the event that any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Governing law

(19) The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the courts of Scotland.