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Legal Statement / Terms of use


This Website is intended for United Kingdom residents only.  This Website is operated by NIIB Group Ltd, trading as Northridge Finance (‘Northridge Finance’).  Northridge Finance is a limited company registered in Northern Ireland (company number NI003721) with its registered office at 1 Donegall Square South, Belfast, BT1 5LR.  Northridge Finance is regulated by the Financial Conduct Authority (reference number 671302). Northridge Finance is a member of the Finance and Leasing Association and subscribes to the Lending and Business Finance Codes.  Copies of these codes are available from Northridge Finance on request.

By using this Website, you confirm that you accept these Terms of Use and you agree to comply with them.  If you do not agree to these terms, you must not use this Website.  You should carefully read these Terms of Use.


In these Terms of Use, the following terms shall have the meanings indicated:

“Terms of Use” – means these Terms of Use of this Website;

“Bank of Ireland Group” – means  Bank of Ireland Group plc, its subsidiaries and associates.

“Northridge” or “Northridge Finance” means NIIB Group Ltd trading as Northridge Finance

“Privacy Policy” means our statement of practice as regards the privacy and security of your information when accessing and/or using this Website and any of the features (you can read a copy of the Privacy Policy by clicking here);

“You/you” and “Your/your (s)” refers to any and all persons accessing or using this Website and/or obtaining any information and/or services available on or via this Website;

“We/we” and “Our/our” and “Us/us” means Northridge Finance and the Bank of Ireland Group;

“Website” means this website.

Governing Law and Jurisdiction

This Website is governed by the laws of Northern Ireland.

Disclaimer as to accuracy of information

Care has been taken in the preparation of the information contained on this Website.  However, we do not make any representations or warranties as to the accuracy of the information contained on this Website

Suspension or withdrawal of Website

We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted.  We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

Need for professional advice

You should not rely on any information contained on the Website in relation to a specific issue or decision without taking financial, banking, investment or other advice from an appropriately qualified professional adviser.

Prohibited use of Website

The information on this Website is intended for use by residents of the United Kingdom only.  If you have any doubts about the legality of your use of this Website, you should not continue any further.

Not an offer or solicitation

The information contained on this Website is not intended to, nor does it constitute an offer or solicitation of financial or banking services by us.  Only residents of the United Kingdom are invited to apply for the products listed.  The products and services listed on this Website are provided subject to separate specific terms and conditions which should be carefully read by you.


The contents of this Website, including these Terms of Use, any information contained on this Website and our Privacy Policy are subject to change and may be updated from time to time without notice to you.  Every time you wish to use this Website, please check the Terms of Use to ensure you understand the Terms of Use that are applicable at that time.

Hypertext links

This Website contains hypertext links to websites maintained by other members of the Bank of Ireland Group. You are reminded that different terms and conditions of use may apply to you as a user of such websites.  No third party is permitted to create a link from another website to this Website without our prior written consent. We have no control over the contents of those sites or resources.

Privacy Policy

We will use your personal data in the manner set out in its Privacy Policy. However, in the event of a conflict between the Privacy Policy and these Terms of Use, the Terms of Use shall prevail.

General disclaimer of liability

No member of the Bank of Ireland Group (or any other person involved with the provision and maintenance of this Website) takes any responsibility for the accuracy of the information provided on this Website. Use of such information is at the user’s sole risk. No member of the Bank of Ireland Group accepts any liability for any loss or damage of any nature, including but not limited to loss of profits, goodwill, or any other type of financial or other pecuniary or direct or special indirect or consequential loss howsoever arising whether in negligence or for breach of contract or other duty as a result of:

  • (i) use of this Website, including but not limited to any electronic mail messaging and internet communication that may arise from, in the course of or pursuant to such use; and/or
  • (ii) reliance on the information contained in this Website, whether:
    • (a) downloaded or not;
    • (b) authorised or not.

Northridge Finance makes no representation or warranty or undertaking of any kind in relation to the analysis or information contained on this Website or the completeness or accuracy of such information.

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 the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Attempted use of Website

These Terms of Use shall also apply to any attempted use of the Website and the information on it.

Website Security

We do not guarantee that our Website will be secure or free from viruses, malware and other errors that might affect your IT system.

You are responsible for configuring your information technology, computer programs and platform to access our Website.  You should use your own virus protection software.

We do not accept any liability for any damage or direct, indirect or consequential loss arising from the availability or use of the Website, including any harm or defect caused to your computer as a result of access and use of the IT systems that makes the site available.

Ownership and intellectual property rights

We publish all the materials on the Website.  We reserve all rights to ownership, copyrights, trademarks and all other intellectual property rights relating to the Website and to products and services mentioned on the Website – unless stated that such rights are property of a third party.

As a user of this Website, you may view and print the contents mentioned above for personal, non-commercial use only.  You may not otherwise copy, save or otherwise reproduce, adapt, modify, transfer, assign, use or exploit the contents, or any parts thereof, without our prior written consent.

Transfer of rights

We may transfer our rights and obligations under these Terms of Use to another organisation. Where we do this, we will tell you in writing and we will ensure that the transfer will not affect your rights.


In the event that any provision(s) in these Terms of Use is held to be unenforceable or invalid, such provision(s) shall be severed and the remaining provisions shall be enforceable to the fullest extent permitted by law.

Clause headings in these Terms of Use are for reference purposes only and shall not be used to construe or determine the meaning of any or all of these Terms of Use.