Terms of Use

Please read our Privacy Notice together with these Terms.

1. Use of the Site

These terms of use apply to the entire contents of this website. Please read them carefully and if you do not agree with any of them, you should stop using the website immediately.

We reserve the right to amend, add or alter the contents of the website or these terms of use without notification. We are not obliged to remove outdated information from the website or to show it as being outdated.

The products and services described on this website are subject to availability and may be withdrawn, or varied without notice subject to terms and conditions and are only available to residents of the United Kingdom. Our products and services are not intended for use by residents of any other jurisdiction. Mortgage products are only available on properties in England and Wales.

On certain pages, you will be asked to read leaflets that contain important information and relevant legal or regulatory information. These should be read in conjunction with the appropriate product details.

If you choose to submit details electronically, for example, contacting us or registering with us, you will receive an automated acknowledgement. This e-mail is for acknowledgement purposes only and shall not constitute an offer or acceptance from us to provide you with any product or service.

Application forms downloaded from this site can only be processed, if completed in English.

2. Use of content

We allow you to print individual pages from this website on paper, and store individual pages electronically on disk for your own personal and non-commercial use.
We do not allow you to reproduce, copy, or modify the content of this website, or use the content of this website for any commercial, illegal or immoral purpose.

3. Accessibility

We have made reasonable efforts to ensure that the website is accessible from most browsers. However, we cannot absolutely guarantee you will be able to access the website and we do not accept liability if you are unable to do so.
We will attempt to have this website available at all times. We do have the right to suspend access temporarily or permanently, for which no notice may be given.

4. Liability

The Society will not be liable for any reason if the site is unavailable, for how ever long the period might be. As a consequence, the Society will not be liable for any loss or damage arising in contract, tort or otherwise, if the site becomes unavailable or is suspended for any reason.

We endeavour to make sure this site is free from viruses, programs or software that could damage the operation of your computer. However, we cannot guarantee this and we do not accept liability if it occurs.

Information on this website does not constitute an offer to open a savings account for you or provide you with a mortgage.

English law shall at all times govern this website and in the event of a dispute the exclusive jurisdiction shall be that of the English Court.

5. Accuracy of Information

We believe the information provided on this website is up to date and accurate. If you intend to rely on any information on this website, you are responsible for checking its validity and accuracy and ensuring that it meets your requirements. esbs will not accept any liability for losses or damages from use or inability to use this website or from any error or omission in information.

6. Financial Advice

The contents of this website should not be deemed to provide any financial or other professional advice. You may wish to obtain advice from a qualified expert before making any decision after viewing the pages on this website.

7. Email Messages

Messages sent over the internet cannot be guaranteed to be completely secure, as they could possibly be intercepted by a third party. esbs is not responsible and will not be liable to you or anyone else for any damage or otherwise caused in connection with messages sent or received by you over the Internet.


Anything you download from this website is at your own risk. If you are unsure about the suitability of any download, please obtain advice before downloading.

9. Other Websites

On our website, we have links to other websites, over which esbs has no control. Accordingly, esbs accepts no liability, either directly or indirectly, for the information contained on these websites.

9.5 Cookie Information

To assist your navigation of (esbs) and to help in the prevention of fraud, we may send “cookies” from this website to your computer. We do not obtain personal data from your computer or gather personal information about you unless you personally give information to our server.

10. Cookies

Please read our recently-updated Cookie Policy.