Terms and Conditions
These terms and conditions govern your use of the Montry Trust Bank website, describe important security considerations, and explain the conditions that may apply when you submit a loan application through our services.
These terms contain three main parts:
- Use of this website
- Security notice
- Loan terms and conditions
Use of This Website
Access to this website and use of the information contained on it are governed by the terms set out below. These terms are intended to protect both you and Montry Trust Bank. By continuing to use this website, you will be considered to have accepted them. References to “we” include Montry Trust Bank, partner agencies, and any subsidiaries where applicable.
- This website is established in accordance with applicable laws and is governed by those laws. By using the website, you agree that disputes arising from its use may be subject to the jurisdiction of the relevant courts.
- The website content is provided for general information only. Distribution of information may be restricted by local law or regulation in some jurisdictions, and users are responsible for observing those restrictions.
- Information about certain products and services may be subject to restrictions concerning the persons to whom that information may be made available.
- Some products and services may be subject to additional legal notices and warnings. You should read those notices carefully before proceeding.
- We provide information in good faith and use sources believed to be reliable. However, we do not guarantee that all information is complete, current, or error-free, and it should not be relied upon as professional financial advice.
- We may update or alter website information at any time without prior notice. Opinions and estimates may also change without notice.
- Personal information sent by ordinary email may not be secure and may be intercepted or delivered incorrectly. Sensitive information should only be submitted through secure or encrypted channels.
- Some pages may contain links to websites not maintained by Montry Trust Bank. We are not responsible for the content, availability, security, or use of those external websites.
- Links to business units, associates, or partner websites may be governed by separate terms and conditions.
- Access to and use of this website are at the user’s own risk. We do not warrant that the website or downloaded materials will be free from viruses, errors, or other harmful components.
- To the extent permitted by law, we are not liable for loss of data, loss of profits, loss of use, or other damages arising from access to or use of this website.
- Website information is provided for general information purposes. Although reasonable care is taken in its preparation, we do not guarantee completeness, accuracy, or reliability.
- Website content, including these terms and conditions, may change without notification and may occasionally become out of date.
- Copyright in this website and its content belongs to Montry Trust Bank and may not be copied, transmitted, or reproduced without prior written permission.
Security Notice
Although Montry Trust Bank takes reasonable security precautions, internet communications cannot be guaranteed to remain private or confidential. Electronic messages may be intercepted, delayed, altered, or incorrectly delivered. By using this website and our online services, you acknowledge that such use is at your own risk.
Loan Terms and Conditions
When you apply for a loan through this website, you agree to the following conditions:
- You will notify Montry Trust Bank of any financial or personal change that may prevent you from making agreed repayments. Any request to renegotiate repayment terms must be discussed with an authorised loan officer.
- You will notify Montry Trust Bank of any change of name, address, or next of kin. Where additional tracing or recovery costs arise because current information was not provided, those costs may be charged to you where permitted.
- Where lawful data-sharing arrangements exist with a registered social landlord or another relevant organisation, pertinent information may be shared for account administration, verification, or debt-management purposes.
- If you miss more than two consecutive repayments without consultation or permission, Montry Trust Bank may take recovery action in accordance with the applicable agreement and law.
- In the event of persistent non-payment, Montry Trust Bank may apply available funds held in eligible accounts towards the outstanding loan balance, where the law and account agreement permit.
- Reasonable costs incurred in pursuing overdue amounts may be added to the outstanding balance where legally permitted.
- Persistent non-payment may result in legal recovery action, court proceedings, enforcement action, or other remedies available under applicable law.
- Information about overdue repayments may be shared with relevant authorities, agencies, or benefit administrators where permitted or required by law.
- Where a guarantor is attached to the loan, the guarantor may also be pursued for amounts due in accordance with the guarantee agreement.
- Interest may be charged at the rate stated in the loan agreement or promissory note. Late or early repayments may alter the total interest payable.
- You agree to provide accurate income, expenditure, and other relevant financial information when requested during the application or review process.
