This site is optimised for modern web browsers, and does not fully support your version of Internet Explorer.
Please upgrade your browser if you are experiencing issues.

Only for registered intermediaries

Jump to menu White search icon Purple search icon

Terms and conditions

Please read these terms and conditions carefully before using this site.


Terms of website use


Terms of website use

This site is for intermediaries only, members of the public should not use it or rely on any of the information on it and should use the main Atom website.

These terms (together with the documents referred to in them) tell you the terms on which you may make use of our website digitalmortgages.net (our Site). Use of our Site includes accessing or browsing our Site.

Please read these terms of use carefully before you start to use our Site, as these will apply to your use of it. We recommend that you download and save a copy of these terms for future reference.

By using our Site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our Site.

Other documents you should read

These terms of use refer to the following additional provisions and policies, which also apply to your use of our Site:
  • Our Intermediary Terms of Business and Lending Criteria, which set out the terms on which we will accept business from an Intermediary.
  • Our Privacy Policy, which sets out the terms on which we process any data we collect from you, or that you provide to us. By using our Site, you and your client(s) consent to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use, which sets out the permitted uses and prohibited uses of our Site. When using our Site, you must comply with this Acceptable Use Policy.
  • Our Cookie, which sets out information about the cookies on our Site.
  • Our Network Lender Agreement and Procuration Fees Schedule which will be available from your Network.

What you need to know about us

digitalmortgages.net is a site operated by Atom Bank plc ("We"). We are registered in England and Wales under company number 08632552 and have our registered office at Northumbria House, Aykley Heads, Durham DH1 5TS. Our VAT number is 204140372.

We are authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 661960.

What happens if we need to change anything?

We may make changes to these terms and conditions. Please review these pages from time to time because any changes we make are binding on you.

Changes to our Site

We’ll always try our best to ensure the information on our Site is accurate and up to date. We may update our Site from time to time, and may change the content at any time. We recommend that you check on our Site from time to time to ensure you are up to date with any changes. We do not guarantee that our Site, or any content on it, will be free from errors or omissions.

Using our Site

Our Site is made available free of charge.

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. Access to our Site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our Site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our Site.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Copyright and trademark statement

All of our designs, logos and material are owned by or licensed to us and protected by copyright laws, including Atom, Atom Bank, Digital Mortgages by Atom Bank and the eight “A” marques which are registered trademarks of Atom Bank plc, with all rights reserved.

You may print off a copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Using the information on our Site

Our products and services are available only within the UK and to UK residents. The products and services featured here cannot be guaranteed and may not always be available. They could be subject to change or withdrawal at short notice.

The information on our Site is not financial or professional advice and cannot be relied upon as such.

Liability

We’re not responsible if we don’t comply with any of the Terms and Conditions:
  • due to abnormal or unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary;
  • where our failure to comply is due to our obligations under European or national law.
We’re not liable for business losses. We’ll have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our Site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

Applicable law

These terms of use are governed by the law of England and Wales and if there is any disagreement about them, we each agree that this’ll be dealt with by the Courts of England and Wales.

Alternative formats

Our digital format goes a long way towards achieving full accessibility for all, but if you need these Terms of use supplied in another format, or if we can help you to use our services in any other way, simply contact us via the contact us button on the website or call us on 0333 990 055.

Privacy and your data

Sometimes, we use info held about you and your clients in the following ways.

Info you and your clients give to us

We will always use this info in the sincerest way, for example: to carry out our obligations to you and to provide you with information about other services we offer that are similar to those that you have already purchased or enquired about; or to keep you up to date about general Atom news. If you don't want us to use your data in this way, please email us

We treat yours and your client’s information with the greatest respect and will never share it with anyone else for marketing purposes. 

We’ll hold all confidential information in a secure environment and use security measures to protect data from unauthorised access, maintain data accuracy and to help ensure the appropriate use of data. These security measures include data encryption and digital signatures to ensure the continuing integrity of data, firewalls, intrusion detection systems, 24/7 physical protection of facilities, and strong security procedures across all service operations.When your clients download our App, we encrypt the transmission and storage of all biometric information as well as geographic location using widely-recognised, industry best-standard, security technologies and procedures.

Info we collect about you and your clients

This info helps us to administer our site. We also use it for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes; to improve our site to ensure that content is presented in the most effective manner for you and for your device.

By submitting your personal data, you agree to this storing or processing. We will of course take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on secure servers. We do however need to point out that, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

We provide full details to your clients of how we use their data in the course of a mortgage application in the mortgage declaration form that is available in your online portal.

Your rights

You and your clients have, of course, the right to ask us not to process your personal data for marketing purposes. We will always inform you (before collecting your data) if we intend to use data for such. You can exercise your right to opt out of marketing by contacting us. Our emails will also have an ‘unsubscribe’ option. Our site may, from time to time, contain links to and from other websites. If you follow a link to any of these websites, please be aware that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. It’s a good idea to review these pages from time to time because any changes we make are binding on you.

Online security

Atom protecting you

We take security very seriously, especially when any of your data is involved and to help us do that we are using best-in-class security and are always looking for ways to improve it. We will do all that we can to protect your information/data.

You protecting you

Here are some basic tips on how to keep your information secure online.

Don’t reveal private information in response to an email, text, letter or phone call, unless you are certain that the request is from someone you are confident is genuine.

The basics


Don’t leave your device unattended in a public place while you are logged in. If you need to use public Wi-Fi, you can find tips on staying safe on the Get Safe Online site.

We also strongly advise you to never access or change your personal information if you are in a public place and always log out of any site when you are finished using it.

Your computer

We suggest that you install effective antivirus/antispy software and firewall and ensure they are running when you use your computer.

A secure connection 

Make sure you use a secure internet connection. Look out for the “https” at the beginning of the website address, as well as the padlock security symbol in the browser frame.

Scams and phishing 


Scams are designed to trick you into giving away information that could be used to steal your identity or defraud you. Phishing typically involves emails that are sent to many people pretending to be from a bank or other trusted organisation. They may try to trick you into going to a site, to update your password for example, but the site will be a fake. 

If you are unsure about any email you receive, don’t reply; just delete it. You can find guidance on using email safely at Get Safe Online.

Application terms and conditions (T&Cs)

Our T&Cs

Banking with Atom is straightforward, so our contract with you consists of four sets of T&Cs: App T&Cs; General T&Cs; Product T&Cs; and a product specific summary, based on the product you open. Please ensure you read all of these documents, so you understand the terms of our agreement with you.

These App T&Cs detail the agreement between you and Atom (‘we’/’us’) whenever you use the Atom Bank plc Mobile Banking Application (‘the App’). In downloading, installing, copying or otherwise using the App, you accept and are bound by these T&Cs in relation to your use of all Atom products and services accessed by, connected to or using the App.

Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.

Compatibility

To use the App you’ll need either an Apple© or Android© device that meets our minimum operating system requirements. You can find a list of these on our FAQ (link below). If you’re unhappy with how this App will operate on your devices, you should stop using it and remove it from your devices straight away.

https://www.atombank.co.uk/faq

App use

We grant you a non-exclusive, non-transferable, royalty free Licence to use the App and the Biometric Software that we use to capture and validate ‘Your ID’ (defined below), as long as you stick to our T&Cs, and the rules or policies of the site you downloaded the App from. This Licence will govern any software upgrades or updates that we provide unless we issue a new Licence at the time of the upgrade or update.

You understand that you mustn’t distribute, publish or otherwise pass the App on to anyone else. You also understand that the app hasn’t been created just for your needs, but has been developed for general use.

When you download and use the App, Atom will have access to your Internet Protocol (IP) address; and when you use the App, it will connect via your data connection.

The App needs to access the camera and microphone on your device. It may also use your gallery, contacts and location for customisation and/or the provision of specific services.

The products and services available through this App are only available to UK residents. You may still be able to use the App if you’re temporarily overseas, but you might have difficulties installing updates. There are some countries where the App won’t work at all.

You agree not to:

  • Translate, adapt, vary, modify, violate, circumvent, reverse-engineer, decompile, disassemble, create derivative works or otherwise interfere with any element of the App, or assist another person to do so.
  • Use the App in any unlawful manner, for any unlawful purpose, in any manner inconsistent with these T&Cs, or act fraudulently or maliciously (e.g. by hacking into or inserting malicious code or harmful data into the App or any connected operating system).
  • Collect or harvest any information or data from the App or our systems or attempt to decipher any transmissions to or from the servers running any service.
  • Upload any content that is or may be considered violent, threatening, liable to incite racial hatred, in breach of confidence or privacy, discriminatory, defamatory, abusive, unlawful, pornographic, obscene, indecent, profane or which may cause annoyance or inconvenience.
We may terminate your use of Atom’s services including this App if you use it for any illegal or immoral purpose or commit a material or persistent breach of these T&Cs.

If you leave Atom we’d suggest that for privacy/security purposes you remove the App from all your devices. Before you do, you should save a copy of your account information (including your statements) for future reference.

From time to time we may update or modify the App:
  • To reflect changes in relevant laws and regulatory requirements; and/or
  • To implement minor technical adjustments and improvements.
We’ll let you know when upgrades are available for the App. Some of these upgrades may be compulsory if you’re to continue using the App; and some older versions of the App may become obsolete or cease to be supported over time.

We’ll assume you’ve obtained permission from the owners of any device you use but don’t own, to download or stream a copy of the App. Either or both of you may be charged by your service provider for Internet access on the devices.

By using the App, you’re allowing us to collect and use technical information about the devices and related software, hardware and peripherals for services that are Internet based or wireless. This’ll allow us to improve our products and to provide our services to you.

If we don’t insist that you perform your obligations under these T&Cs, it doesn’t mean you don’t have to. Similarly, if we don’t enforce our rights under these T&Cs, or we delay in doing so, it doesn’t mean we’ve given up those rights.

App security

When you download the App and register with Atom, we will collect three types of security information from you, which together make up ‘Your ID’:
  • A six-digit passcode;
  • A scan of your face (‘Face ID’); and
  • A recording of your voice (‘Voice ID’).
Your ID provides us with a secure way of verifying you every time you log into the App. Once you’ve set up Your ID, you’ll be able to select one of the three – passcode, Face ID or Voice ID – to log in and transact on your Atom accounts. There will also be times when we’ll ask you to use more than one of Your ID measures to complete specific activities.

You’re responsible for keeping your passcode and your devices safe, and you must tell us immediately if they’re lost or stolen, or you think someone may have accessed or tried to use your account(s). Please remember that we’ll never ask you to tell us your passcode, so you shouldn’t share it with anyone, even if you think they work for Atom.

You’re also responsible for taking reasonable steps to maintain the security of your device – we recommend you set up your device access security and install anti-virus software, where relevant.

Your vault

Once you’ve registered via the App, we’ll provide you with a secure space, which can only be accessed by you and us (your in-App ‘Vault’). This is where all your important documents will be kept, so you can access them whenever you need to by logging into the App using Your ID. This means your Vault is completely secure.

You’ll also be able to print or email any documents stored in the Vault should you need to.

Intellectual property rights

Except as set out below, we’re the owner of the Intellectual Property Rights in the software and the App. By Intellectual Property Rights we mean all vested, contingent and future intellectual property rights including but not limited to copyright, trade marks, service marks, design rights (whether registered or unregistered), patents, know-how, trade secrets, inventions, set-up, database rights and any applications for the protection or registration of these rights and all renewals and extensions thereof existing in any part of the world whether now known or in the future created to which the Licensor may be entitled.

The rights granted to you are subject to the Intellectual Property Rights in ConfidentID® which are the property of Daon and are sub-licensed to us globally by Computer Sciences Corporation or its Affiliates.

Apple, the Apple logo, iTunes and App Store are registered trademarks of Apple Inc.

© 2015 Google Inc. Android, Google Play and the Android and Google logos are registered trademarks of Google Inc.

Using your data

We will only ever use your Face ID and Voice ID for verifying your identity.

We use security measures to protect your data from unauthorised access, maintain data accuracy and help ensure the appropriate use of your data. These security measures include data encryption and digital signatures to ensure the continuing integrity of your data, firewalls, intrusion detection systems, 24/7 physical protection of facilities where your data is stored, background checks for personnel that access physical facilities, and strong security procedures across all service operations. These measures help ensure that your data is safe and secure. We encrypt the transmission and storage of your Face ID and Voice ID as well as your geographic location, using the highest standards of security technologies and procedures.

App availability

There will be times when we need to carry out planned maintenance on the App. When we do this, all or some of the features on your App might be unavailable for a period of time, so we’ll ensure we give you advance notice before we do this.

In the event of unplanned maintenance (for example, a technical fault or system error) we’ll make every effort to restore your service as quickly as possible.

We won’t be held liable for any consequence arising from the App being unavailable as a result of any technical issue that’s beyond our control. This includes unavailability of connectivity and technical issues with your devices.

App analytics

To make sure we’re offering you the best experience we can, we’ll record events within the App, including page dwell time, time to complete processes, and how you use the App. This may also include the use of location data, connectivity type and technical device specifications. We do this to help with any problems we may encounter, and also to monitor App usage and make improvements.

Liability

You may not always be able to access the App. We’re not responsible for any losses if you cannot do so (for example, if you can’t obtain a product at a stated price). We’re not responsible if the device you use to access the App or to send or receive information doesn’t work properly.

As far as the law allows, we don’t accept liability for any loss or damage arising out of your use or inability to use this App or its functionality; although nothing in these T&Cs shall be read as an attempt by Atom to limit its liability for death or personal injury as a result of its negligence or that of its employees.

We’re not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control and our efforts to the contrary (e.g. failures caused by industrial action, problems with another system or network, third party viruses or malware).

Need these in another format?

Our digital format goes a long way towards achieving full accessibility for all, but if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way, simply contact us via the App, call us on 0333 399 0055 or email customersupport@atombank.co.uk.

Changes to these T&Cs

If we need to make any changes to these T&Cs, we’ll explain the changes 30 days before they happen, except where they are to your advantage (when we’ll make them straight away). This allows you to consider the changes and in most cases you’ll be able to close an impacted account if you’re not happy.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your account(s), we each agree that this’ll be dealt with by the Courts of England and Wales.

General terms & conditions (T&Cs)

Our T&Cs

Banking with Atom is straightforward, so our contract with you consists of four sets of T&Cs: App T&Cs; General T&Cs; Product T&Cs; and a product specific summary, based on the product you open. Please ensure you read all of these documents, so you understand the terms of our agreement with you.

These General T&Cs detail the agreement between you and Atom (‘we’/’us’) when you have an account with us.

Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.

Our accounts

Our accounts are designed to be accessed through the Atom App and managed from your smartphone or tablet. In a small number of instances, you may need to do things by phone (e.g. accounts operated under a Power of Attorney).

You’ll need to download our App and register ‘Your ID’ (as described in our ‘App T&Cs’) before you can open an account. The App will guide you and our support team are available 24/7 if you have any difficulties – you can get in touch by phone (0333 399 0055), via Live Chat or by emailing customersupport@atombank.co.uk.

Eligibility & residence

To open an Atom account you’ll need to be at least 18 years old and a UK resident.

Once you’ve opened an account, you must let us know if you intend to live outside the UK. If your residence overseas will be for three years or less, you’ll be able to manage your account from outside the UK. If your residence overseas will be for more than three years, we’ll require you to close your account.

You won’t be able to manage your account from some countries. If you have any questions, please check with us by phone or email before you travel.

Verifying your identity

We’ll verify your identity when you become an Atom customer – usually when you open your first account (we call this ‘identification and verification’ or ‘ID&V’). We do this using an electronic search and while this will leave a ‘soft footprint’ on your credit file, it will not affect your credit history.

There are times when we may ask you to complete ID&V again (e.g. to keep our records up to date if you move house).

Communications

As a digital bank we’ll always aim to communicate with you in electronic format, which means telling you what you need to know within the App. There are times when we’ll send you messages by push notification, SMS or email outside the App – we’ll stick to your preference whenever we can.

We’ll always send important documents to you so you can refer back to them at any time. 

You can update your marketing preferences in ‘The Portal’ in the App.

Keeping us informed

It’s important that we have your correct contact details at all times. So if you change your name, address, mobile number or email address, please call 0333 399 0055 and let us know.


If you don’t tell us that your details have changed we’ll continue to use the information we hold. We can’t be responsible if this results in confidential information being misdirected. If we lose contact with you and have to try and find you, we may charge you for any costs incurred, so please keep us up to date.

Opening an account

Once you register as an App user, you can browse information about our accounts. Once you complete the ID&V process, you’ll be able to open an Atom account in the App (subject to eligibility). For most of our accounts, you can make product selections and complete the entire application process in the App. Currently, Atom accounts can only be operated as sole accounts (just you).

Payments in and out of your account

You can make a payment into your Atom account from another bank or building society. Simply use the sort code and account number you receive when you open your Atom account.

Most electronic transfers between banks and building societies are made by Faster Payments. The Faster Payments limit for making payments out of an Atom account is £100,000. Other financial institutions may have different limits, so you need to check with them to ensure any payments you’re making into your Atom account can be made in line with your instructions.

For more information about making payments in and out of our accounts, take a look in the Product T&Cs.

If we mistakenly make a payment into your account, we can take an amount equal to the mistaken payment from your account. We don’t need your permission to do this, but we will tell you what’s happened.

If someone else tells us they’ve accidently made a payment into your account we’ll tell you and ask your permission to return the funds. We’ll always ensure any dispute over the funds is fully resolved before moving the money out of your account.

As a new bank starting out, we’ll be using another bank to process payments on our behalf. NatWest will be providing this service for us.

What if you need someone else to operate your account?

We may be able to register a Power of Attorney for your account – please check the Product T&Cs for details. If we do this, your Attorney, rather than you, will receive all of the information about your account.

At this time, we’re only able to register a Power of Attorney for existing Atom customers. Administration of a registered account will be via our customer support team (rather than in the App). Please call us on 0333 399 0055 to discuss registering a Power of Attorney for your account.


If you need any support to operate your account due to a temporary or permanent change in your circumstances, get in touch and we’ll do all we can to help.

Changes to these T&Cs

If we need to make any changes to these T&Cs, we’ll explain the changes 30 days before they happen, except where they are to your advantage (when we’ll make them straight away). This allows you to consider the changes and in most cases you’ll be able to close an impacted account if you’re not happy.

We’ll only make changes to these T&Cs to:
  • reflect developments in our App or proposition (including our products / services); or
  • respond proportionately to changes in general law or decisions of the Financial Ombudsman Service; or
  • meet regulatory requirements; or
  • reflect new industry guidance or codes of practice which raise standards of consumer protection; or
  • proportionately reflect other legitimate cost increases or reductions associated with providing the particular product or service you use

Your right to cancel

Your right to cancel any arrangement you enter into with us will be based on the type of product you have. This is explained in detail within the Product T&Cs.

Our right to terminate

We reserve the right to close your Atom account(s), and withdraw your right to use the Atom App if:
  • Your account, or any of your money, is being used for fraudulent, illegal or immoral purposes, or we reasonably suspect it is; or
  • Your behaviour towards our people is improper, insulting, violent or threatening, making it difficult for us to continue dealing with you; or
  • You haven’t provided us with all of the information we require to open or operate your account; or
  • You weren’t entitled to open the account or use our service.

Contact us

If you experience any technical difficulties with opening or operating the Atom App or your account, our customer support team is available to help 24/7.

If you need to tell us something or ask a question please call us on 0333 399 0055, email customersupport@atombank.co.uk or contact us through Live Chat in the App.

You can also contact us via Twitter using @AtomHelp.

Got a complaint?

Our aim is to get everything right first time, all of the time, but no one’s perfect.

If you’re unhappy with any aspect of our service or want to complain, go to our complaints page and we’ll guide you through our complaints procedure. You can also make a complaint through our App. We’ll do our best to resolve your concerns, but if we can’t, or if we don’t deal with your complaint within 8 weeks, the Financial Ombudsman Service (FOS) may be able to help.

The FOS is an independent organisation, which helps to settle disputes. You can find out more on the FOS website.

Protecting your personal data

We’ll hold your confidential information in a secure environment. We use security measures to protect your data from unauthorised access, maintain data accuracy and to help ensure the appropriate use of your data. These security measures are detailed in our ‘App T&Cs’ and help ensure that your data is safe and secure. You’re responsible for maintaining the security and confidentiality of your passcode. We encrypt the transmission and storage of your Face ID and Voice ID as well as your geographic location using the highest standards of security technologies and procedures.

We treat the information you give us with the greatest respect and will never share it with anyone else for marketing purposes.

We’ll only use your data in the following ways:
  • To administer your accounts and provide appropriate services.
  • To obtain and develop credit-scoring profiles.
  • To suggest other Atom products or services that may be of interest to you.
  • To verify your identity when you register as a customer (ID&V).
  • To share with fraud prevention, anti-money laundering and credit reference agencies, regulators and government departments including HMRC where necessary for compliance, tax or audit purposes.
  • To carry out fraud prevention checks when opening new accounts. If false or inaccurate information is identified, we’ll pass it on to the credit reference and fraud prevention agencies. Law enforcement departments may access and use this information.
  • To prevent fraud and money laundering – e.g. the information provided to fraud prevention agencies may be used when checking applications for credit, credit-related or other facilities or for managing these accounts; for recovering debt; for checking insurance proposals or claims; and for checking details of job applicants or employees. Other organisations may also use your information for these purposes.
  • To carry out a credit reference agency search on you. If we complete a search as part of a mortgage or credit application, the agency we use will make a note on your record that a search has taken place (a ‘footprint’). Other providers who search your credit history may see this.
  • To securely share your confidential information with valuers, surveyors, solicitors, credit scorers and anyone else who needs to be involved to complete a mortgage application with us.

If you ever need to see details of any information we hold about you, you can submit a data subject access request by email or phone (0333 399 0055). We’ll act on your request as quickly as possible (and always within 40 days).

Need these in another format?

Our digital format goes a long way towards achieving full accessibility for all, but if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way, simply contact us via the App or call us on 0333 399 0055.

Copyright and trademark statement

All of our designs, logos and materials are owned by or licensed to us and protected by copyright laws, including Atom, Atom Bank, Digital Mortgages by Atom Bank and the eight ‘A’ marques which are registered trade marks of Atom Bank plc, with all rights reserved.

Liability

Nothing in these T&Cs is intended to exclude or limit the liability of Atom in relation to fraud or in other circumstances where Atom’s liability may not be limited under any applicable law.

If we don’t fulfil these terms, we’re responsible for foreseeable loss or damage you suffer as a result of our breach, or our failure to use reasonable care and skill.

If we have supplied defective digital content, which damages a device or digital content belonging to you, we’re liable for that damage. We’ll either repair the damage or pay you compensation. We aren’t responsible for the cost of repairing any pre-existing faults or damage.

We’re not liable for business losses. We only supply the services to you for domestic and private use. We’ll have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your account(s), we each agree that this’ll be dealt with by the Courts of England and Wales.

Intermediary terms of business (Terms)

In this document:
 
We / us / our means Atom Bank plc of Northumbria House, Aykley Heads, Durham DH1 5TS;
 
You / your means an intermediary who is a member of our Panel, when referring mortgage business to us;
 
App means the application designed for mobile devices developed by Atom Bank plc;
 
Biometric Information means the binary representation of your client’s face and voice that are used in the registration and log-in process for our App;
 
Network means a group of intermediaries working under a common brand;
 
Panel means those Networks who we have selected to make our mortgages available to

Background

To submit Decision in Principle (DIP) requests or mortgage applications to us, you must be a member or an employee of a Network that is part of our Panel and comply with our Lending Criteria and these Terms. By submitting a Decision in Principle request or mortgage application, you agree to be bound by these Terms.
  
We reserve the right to refuse applications from any intermediary without giving a reason.

Membership of our Panel

Membership of our Panel is entirely up to us and we can change the membership of our Panel and/or the membership criteria at any time.
 
To join our Panel, you must either be: 
  • Directly authorised and hold the regulatory permissions for arranging and advising on regulated mortgage contracts; or 
  • An appointed representative or employee of a Network that we have approved to offer Atom mortgages.

Your obligations to us

You confirm that:
  • You are authorised to act on behalf of your client(s) in submitting mortgage applications to us;
  • You hold all relevant legal, regulatory permissions and other authorisations needed to undertake the business you’re transacting with us; and you won’t carry out any activities you don’t have the relevant permissions or authorisations for;
  • You will tell us as soon as legally possible if any licence, permission or authorisation is withdrawn from you or your business or if you’re the subject of any investigation by any legal, authorising or regulatory authority;
  • At all times in your dealings with us, you are an Appointed Representative or an employee of a firm that is part of our Network Panel;
  • You and your business comply with all relevant law, regulation and other requirements, including but not limited to the Anti-Bribery Act 2010 and the Modern Slavery Act 2015;
  • Any mortgage applications you submit to us will comply with our  Lending Criteria;
  • You will complete all necessary identification checks on your client(s);
  • You will submit all initial and additional information we ask for to support a mortgage application in a timely way.

Direct Debit

When discussing an Atom mortgage application with your client(s), you will use the direct debit script available in the document library to ensure they have all the information they need about direct debits and the direct debit guarantee.

Submitting applications

We’re committed to providing you with a reliable and efficient service. You can help us achieve this by paying all relevant fees and providing all supporting documents when you submit an application. If you’re not able to do this, it may slow us down.
 
Please ensure you safeguard your clients’ cardholder and sensitive authentication data by applying the following rules when you capture payment details.
 
You must not capture, record or store any of the client’s cardholder or sensitive authentication data needed to process the fee collection, either electronically or otherwise. This includes but is not restricted to:
  • Writing down any client’s card details.
  • Electronically recording any client’s card details.
  • Taking and retaining a photo of any client’s card.
  • Voice recording any client’s card details.

Confidentiality and Data Protection

We treat your clients’ information with the greatest respect and will never share it with anyone else for marketing purposes.
 
We’ll hold confidential information in a secure environment. We use security measures to protect data from unauthorised access, maintain data accuracy and to help ensure the appropriate use of data. These security measures include data encryption and digital signatures to ensure the continuing integrity of data, firewalls, intrusion detection systems, 24 x 7 physical protection of facilities where data is stored, background checks for personnel that access physical facilities, and strong security procedures across all service operations. These measures help ensure that data is safe and secure. When your clients download our App, we encrypt the transmission and storage of all Biometric Information as well as geographic location using widely-recognised industry best-standard security technologies and procedures.
 
You need to have similarly appropriate measures in place to protect data and ensure that you and your business comply with the Data Protection Act 1998 (the Act).
 
When using the affordability calculator on our website and completing a DIP request or mortgage application on behalf of your clients, you will be using their confidential information which may include sensitive personal data (as defined in the Act).  We need this data so you can determine how much your clients may be able to borrow and so we can assess their eligibility for a mortgage with us. We and you agree that all consents and security measures are in place to protect this data. Full details of the uses we will make of the data are available to your client in the mortgage application document.

Payment of procuration fees

When a mortgage application is successful, we will pay the procuration fee to your Network within 7 days after completion for onward payment to you, in accordance with our agreement with them.

Liability

We’re not responsible if we don’t comply with any of the Terms:
  • Due to abnormal or unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary; or
  • Where our failure to comply is due to our obligations under European or national law.

We’re not liable for business losses. We’ll have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.
 
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content from it, or on any website linked to it.
 
We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Changes to these Terms

We may alter these Terms at any time; and if you continue to submit applications to us you will be deemed to have accepted any changes we have made. We recommend that you check these Terms from time to time to ensure you are up to date with any changes.

Governing law

These Terms are governed by the law of England and Wales and if there is any disagreement about them, we each agree that this’ll be dealt with by the Courts of England and Wales.

T&Cs downloads