1.1  These Coventry Building Society Mobile App Terms of Use (the ‘App Terms’) detail the agreement between you, as an App user (‘you’/an ‘App user’), and Coventry Building Society at Coventry House, Harry Weston Road, Binley, Coventry, West Midlands CV3 2TQ (‘we’/‘our’/‘us’) whenever you download or use the Coventry Building Society Application as updated and made available from time-to-time (the ‘App’).

1.2   By downloading, installing and registering to use this App on your mobile telephone or tablet (a ‘device’) and by clicking ‘Accept’, you agree to and will be bound by these App Terms when: a. generally using the App on your device; or b. using, or making an application for, any Coventry Building Society savings or mortgage account, or any other product or service we offer or provide (a ‘Product’); and when accessed in, or connected to, the App on your device.

Our Product Terms and Conditions 

1.3   These App Terms should be read with the terms and conditions that apply to any Product provided by us (the ‘Product Terms’). The Product Terms are provided to you when you apply for a Product. Where there is any inconsistency between these App Terms and the Product Terms of any Product opened in your name with us, the Product Terms will apply to the extent of such inconsistency. 

Our licence to you to use the App 

1.4   We grant you a non-exclusive, non-transferable, revocable license to use the App and:

a) any updates or supplements to it;

b) any related electronic documentation;

and

c) the content and functions we provide through it, including the Products you connect to or access in the App;

and as permitted in these Terms of Use. The App is licensed to you, not sold.

Accessing these App Terms

1.5  You can see a copy of these App Terms on your device by viewing them in the App, or find them on our website at any time.

Updates to these App Terms

1.6   We may amend these App Terms by adding to, amending, removing or replacing any part of them at any time (see ‘Changes to these App Terms’, below). If you do not agree to any changes to the App Terms you must stop using the App and unregister it on your device (see ‘Ending this agreement and your use of the App’, below) and this agreement will end.

Duration and ending this agreement

1.7   These App Terms do not have a fixed or minimum duration and will continue until either you or we end this agreement and the App is unregistered and removed from your device. Please see ‘Ending this agreement and your use of the App’ below) for further information about how you may end this agreement, or the reasons why we may end it and how we would notify you. 

Membership of Coventry Building Society

1.8   Registering to use the App does not confer any membership rights in Coventry Building Society. Membership rights only apply to you if you hold one of our Products, subject to the applicable Product Terms. Further information about member rights is available on our website. 

Charges to use the App

1.9   We do not currently charge you for using the App. However, we reserve the right to introduce and/or vary a charge in the future, but we will notify you in good time (at least 2 months’ notice) before doing so. Your internet or mobile network provider may charge you for using data on your device and you are solely responsible for paying all internet, network access and data charges when using the App on your device.

Register on one device only

1.10   You may only register the App in your name on one device. Multiple App registrations on different devices you use are not permitted. You must not distribute or make the App available over a network where it could be used by multiple devices at the same time. The App should not be downloaded, installed or used on any shared or borrowed device.

1.11   We have no responsibility for the device you use to access the App. We are not responsible for any errors, bugs, or other failures of your device that interrupt your use of the App.

1.12   If you download or access the App on any device that is not owned by you (e.g. supplied by your employer) you must have the owner’s permission to install the App and ensure your use of the App complies with any applicable agreement or policy that governs your use of the device. You must not allow an employer or other device owner to use your App login or Security Details.

Minimum age

2.1   To register as an App user you must be at least 16 years of age.

Resident in the UK

2.2   To register as an App user you should be living permanently in the United Kingdom (England and Wales, Scotland or Northern Ireland).

Personal use only

2.3   The App is for your own personal use only, for the purpose of receiving information about, and to apply for and use our Products as a consumer. The App must not be used by you to conduct any business, trade, craft, profession or other commercial activity in which you, or others acting on your behalf, engage.

Your registration name

2.4   The App should be registered in your own name only, using the name used on your passport, driving licence or other official documents. You must not register as an App user using a false name, date of birth or address, or by falsely using someone else’s name and details, and you must not register as an App user on behalf of someone else, even if they give their permission.

2.5   If you are already a member and hold one or more of our Products with us in your name, you should use the same name and contact details when registering in the App as you provided to us for the Product(s) you hold, unless these have changed subsequently. If you formally change your name, such as by deed poll or by marriage, we may ask for proof of that change of name before re-registering you in the App using your new name.

Our checks on App users

2.6   You agree that we may carry out online identification checks to confirm your name, date of birth, and UK residency status when you first download and register to use the App (and even if we have recently or previously made the same or similar checks when you applied to us for any Product). We may also perform the same or similar checks from time-to-time once registered as an App user, and without further notifying you. We will only register you and keep you registered as an App user if we are reasonably satisfied about your identity, and that you meet our minimum eligibility criteria to be registered as an App user. We do these checks to ensure we manage legal, regulatory, cyber security and financial crime risks appropriately, and to help protect our business, IT systems and customer data.

2.7   We are under no obligation to provide you with an explanation of the reason(s) why we decide not to register you as an App user if we have never registered you previously, and if you are not a member with one or more of our Products held in your name with us. If you are a member with us already, and if we decide not to register you as an App user (or to unregister you) we will explain the reason(s) why, unless legal or regulatory obligations we are subject to prevent us from doing so.

2.8   We don’t perform any credit check when you register as an App user. If you apply for any Product, including an application made in the App, we may perform credit and other eligibility and status checks, as detailed in the Product information or in the application screens.

If you move abroad

2.9   If you tell us, or if we reasonably believe, that you have moved outside the United Kingdom permanently, or for an extended period of time (usually for six months or more), we may tell you to stop using the App, unregister and remove it from your device, and/or we may restrict or block your App access. We do this to ensure we manage legal, regulatory and financial crime risks appropriately, and which are usually higher if the App is used in overseas countries and territories.

2.10   If we restrict or remove your App access or require you to unregister as an App user due to you moving abroad, we will send an App message or other communication to tell you, unless legal or regulatory obligations we are subject to prevent us from doing so.

Power of Attorney restrictions

2.11   You must not use the App to apply for any Product for someone else using a power of attorney granted to you. All attorney applications on behalf of a donor or beneficiary must be made in branch, by telephone or by post. Once opened, an account you operate for someone else as their attorney may be viewed and used in the App registered to you. You must not allow the donor / beneficiary, or any other attorneys, to use the App on your device.

How we use your information 

3.1   Your privacy is important to us. We will ask you to provide us with various pieces of personal information about you, your finances and financial goals, your sources of income, your employment status, and expenditure when you register to use the App, and at other times when using App features, or to apply for or use our Products in the App. Further details about how we process your information are in our App Privacy Notice and in the Coventry Building Society Privacy Notice (together, our ‘Privacy Notices’), which can both be accessed via the links below.

3.2   We also use analytical cookies to collect technical information about your use of the App on your device (including any peripherals linked to your device, such as a headset or keyboard, and your device hardware and software, including its operating system), which we use to improve the performance of the App and to enhance App users’ experience. This is detailed in our ‘Cookie Policy’, which can be accessed via the link below. By agreeing to these App Terms you agree to us collecting and using this technical information for the purposes outlined, and as further detailed and updated from time-to-time in our Cookie Policy.

3.3   We may update our Privacy Notices or our Cookie Policy from time-to-time to reflect changes in law, regulations, or official guidance, or for changes to the App, our Products, our business or any of our services.

App Privacy Notice

Coventry Building Society Privacy Notice

Cookie Policy

3.4   In the event of any conflict between any information displayed in the App and these App Terms and either of the Privacy Notices or the Cookie Policy, the Privacy Notices and the Cookie Policy will apply to the extent necessary.

Using biometric details - Face or Fingerprint ID verification

3.5   When setting up your Security Details (see Security Details, below), you may set up face or fingerprint verification (‘biometrics’ - or ‘Face ID’ or ‘Touch ID’ on Apple devices) as part of your registration in the App.

3.6   We will use these biometrics to:

• identify you whenever you log in to use the App, and
• allow you to authorise the use of some Product services we provide in the App (e.g. to make a payment transaction from an account you hold with us to another account).

3.7   You agree that on request from us in the App you will use your device to:

• take a photograph of yourself - during your App registration or when providing updated security or login details, each time you log in to the App, or in order to use some Product features or services provided in the App if you have previously registered a face biometric; and/or
• record your fingerprint (or thumbprint) - during your App registration or when providing updated security or login details, each time you log in to the App, or in order to use some Product features or services provided in the App if you have previously registered a fingerprint biometric;

and that your device may record and/or transmit these biometric details to us.

3.8   You also agree that we can access your device in this way to process your personal information and for analytics, and in accordance with our ‘Privacy Notices’ and ‘Cookie Policy’. 

Apple and Google terms and conditions

In these Terms of Use and in the App:

‘Apple’ refers to Apple Inc, a California corporation with its principal place of business at One Apple Park Way, Cupertino, California 95014, U.S.A. and Apple Distribution International Ltd.

‘iOS’ refers to the Apple operating system and its different releases or versions used on compatible Apple devices, and as updated from time-to-time.

‘Google’ refers to Google LLC, a Delaware limited liability company with principal place of business at 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States; Google Ireland Limited, a company incorporated in Ireland with principal place of business at Gordon House, Barrow Street, Dublin 4, Ireland; Google Commerce Limited, a company incorporated in Ireland with principal place of business at Gordon House, Barrow Street, Dublin 4, Ireland; or Google Asia Pacific Pte. Limited, a company incorporated in Singapore with principal place of business at 70 Pasir Panjang Road, #03- 71, Mapletree Business City, Singapore 117371, depending on which jurisdiction is being used for distribution of the App on Google Play.

‘Android’ refers to the Google operating system and its different releases or versions used on compatible Google or Android devices, and as updated from time-to-time.

4.1   You agree that you will only download the App either from the Apple App Store if you use an Apple device, or from the Google Play store if you use an Android device. The App may only be used on a device with an Apple iOS or Google Android operating systems that has been lawfully installed and licenced to you as the device user or owner under Apple or Google Android terms and conditions.

4.2   Your use of the App under these App Terms is also subject to Apple or Google Android terms and conditions and policies, and any other applicable third-party terms and conditions and policies, as updated from time-to-time. In particular:

a. where the App is used on an Apple device, Apple’s terms and conditions and policies (including the Apple Media Services Terms and Conditions and Apple’s Usage Rules as made available by Apple from time-to-time). Please note that if you download the App via the Apple App store, you acknowledge and agree that Apple (and Apple’s subsidiaries) are thirdparty beneficiaries of these Terms of Use, and that, upon acceptance of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Use against you as a third-party beneficiary;

b. where the App is used on a device with the Google Android operating system, Google’s terms and conditions and policies as made available by Google from time-to-time; and

c. the terms and conditions of your device manufacturer, those of any third-party software providers your device uses, and those of your mobile network service provider or other internet service provider that allows your device to connect to the App. 

4.3   These App Terms are not intended to conflict with any provisions of either Apple’s or Google’s terms and conditions. In the event of any conflict or inconsistency between these Terms of Use and Apple’s or Google’s terms and conditions, the Apple or Google terms and conditions will apply to the extent necessary.

Operating systems and Device compatibility

4.4   To download, register and use the App you will need either an Apple or Android device with sufficient memory, and with Apple iOS Version 16.0 operating system or Android Version 10 operating system respectively (or a later version of those operating systems). 

4.5   We may update the App and the minimum device memory and operating system requirements for it from time-to-time to improve the App’s performance, features and security. To continue using the App in the future we may ask you to download to your device new versions of the Apple iOS or Android operating systems, or a new version or update of the App, as notified to you in the App or in the App stores from time-to-time.

4.6   If you do not download an updated or new version of your device operating system, or the App, when prompted or requested, your App access may be blocked or restricted. You agree that it is your sole responsibility to ensure the Apple or Android operating system and the App on your device is updated when you are notified that an update is available. You are also solely responsible for all the costs of purchasing, maintaining, updating and using your device, its Apple iOS or Google Android operating system, and any other software required to use the App, including the costs of any software licences.

4.7   You are responsible for ensuring that your device and its software is compatible with any version of the App released or made available to App users. We will not cover any costs incurred by you in purchasing or using any new or replacement device in order to maintain access to the App, or to access a compatible Apple iOS or Android operating system for the App. We will not be responsible for any financial loss (including any consequential losses) you suffer if the App is unavailable, blocked or restricted on your device because you have not successfully installed an available App update or new version when prompted or requested.

4.8   Further information about compatible operating systems and other requirements to use the App can be found in the device compatibility link below, or in the App stores.

Device compatibility

4.9   While we seek to ensure the App will be available, and work correctly and without error, on all current and recent Apple or Android operating systems and software (that remain supported by Apple or Google), we do not guarantee such availability or operation of the App. You hereby acknowledge and agree that we, not Apple or Google, provide the maintenance and support for this App.

4.10   The App’s software, code, data processing arrangements, security protocols and all related details of our IT and App systems are all confidential and commercially sensitive information. This information and any changes to any of it will not be disclosed or notified to you as an App user, or to any third party, except to the extent that such disclosure is necessary for you and our other App users to download, access and use the App on a device, or where we are required to make such a disclosure by law or regulation. Our copyright and intellectual property rights are set out in section 14 below.

Register the App on one device only

5.1  Each time you download the App you must successfully complete your registration as an App user and enter the Security Details described in the ’Security Details’ section below. Incomplete or rejected registrations will prevent you accessing and logging in to the App.

5.2   For security reasons, your App registration can only be linked to one specific device you use. We will reject an App registration in your name if it is attempted on a secondary device or unregister it from that device.

Submitting your details to register as an App user

5.3   You must provide complete, accurate and truthful information to us when registering as an App user. If we reasonably believe the information provided by you is incomplete, inaccurate, false or misleading we may reject your App registration, or cancel it and end this agreement.

5.4   Once you have successfully completed registration you will be able to view, apply for, and access the Products and other services we deliver in the App.

5.5   If you have any issues with the App registration process, please review the help pages on our website, contact us by calling 0800 121 8899, or visit your local branch.

Registering for Online Services

5.6   When you register in the App we will usually ask you to register for our Online Services if you have not previously done so. Your Online Services registration should use the same username and email address that use to register in the App. Registering for Online Services enables you to access most Products you hold with us in the event that the App is unavailable.

Current members registered for Online Services

5.7 If you are a current member of Coventry Building Society and already registered for Online Services you must use the same username and personal and contact details when registering in the App. If the details you enter in the App do not match those we already hold, your App registration may fail or be rejected. Please get in touch with us if you need assistance with updating any details before registering in the App.

Re-registering in the App if you change your device

5.8 If you change, sell or dispose of your device you must first unregister and delete the App from it. We ask you to do this to keep your Security Details and other personal information safe and to prevent unauthorised access to the App by anyone else.

5.9 If you wish to install the App on a new or replacement device you must download the latest version of the App from the Apple or Android App store; you will then need to re-register as an App user on the new device. You may need to submit new biometric details again (Face or Fingerprint ID) and also reset your PIN to access the App, as outlined in the ‘Security Details’ section below.

Entering your Security Details

6.1   During the registration process you must set a six-digit PIN that you will need to remember and enter each time you log in to the App – this should be sequence of numbers known only to you.

6.2   You may also set biometric face or fingerprint recognition, in addition to setting your PIN, as described in ‘Privacy Notices’ above.

6.3   Together, your username, PIN and biometric details are called your ‘Security Details’. You must comply with any instructions or guidance in the App about setting or uploading your Security Details, and each time you use them to log in to the App or to authorise actions or transactions in the App. If you do not follow these App instructions or guidance you may be unable to complete your App registration or to log in,access and use the App.

Keeping your Security Details and the App safe

6.4   You are responsible for keeping your device and Security Details safe, and for setting up any other security features and anti-virus software on your device, which will help to stop unauthorised access to the App registered in your name.

6.5   Your Security Details are unique to you, and we use them to help protect you and keep your information and any Product you hold with us secure. You must not screenshot, save or store any of your Security Details on your device and you must not share them with, or send them to, any other device or person. Our staff will never ask you to tell us your PIN.

6.6   You should log out of the App when you have finished using it. The App will also automatically log you out after a short period of time to help keep the App and your personal information secure.

Contact us if your device is lost or stolen, or your Security Details are no longer safe

6.7   Once the App is installed on your device and your Security Details are registered, you must tell us as soon as possible if you think that:

a) your device is lost or stolen;

b) the App on your device has been accessed by someone else;

c) your Security Details are known, or have been used, by someone else; or

d) the security of your device or the App has been compromised (e.g. your device has been hacked, or had malicious software installed).

6.8   You must not let other registered App users use their login details to access the App on your device.

6.9 If the App is used to take money from a Product account you hold with us, and where the transaction was processed without us requesting the Security Details set out at 6.3 above and you authorising the transaction, we’ll refund the full amount of money taken.

Enter new Security Details at our request

6.10   We may ask you to provide new or updated Security Details and/or re-register in the App if we know or reasonably suspect that your Security Details are known or used by someone else, compromised in some other way, or if we introduce new or updated App security features or login processes. If you do not provide new or updated Security Details and/or re-register when requested, we may restrict or block your access to the App, and, after giving you reasonable notice, unregister you from the App and end this agreement with you.

7.1   By registering as an App user you agree that we may send information and notifications about the App to you by sending messages in the App (‘App messages’).

7.2   We may also communicate information and notifications about the App to you by using any other contact details you provide to us on registering as an App user, including by:

a. sending SMS text messages or by calling your device;

b. calling any other contact telephone number you provide;

c. sending emails to your registered email address; and/or

d. sending post to your home address.

7.3   App messages and our other communication methods can be used to send you information and notifications about:

a. these App Terms and any changes to them;

b. the App and any changes to it, including its security features or login processes, its content, features or functions, and any planned or emergency maintenance or any other service issues;

c. any Product you hold with us (subject to its Product Terms and any communication preferences you have told us about for that Product);

d. our Privacy Notices and our Cookie Policy and any changes to them;

e. any membership of Coventry Building Society you hold;

f. our other communication channels and how to use them;

g. any actions we have taken, or propose to take, to block or restrict your App access;

h. ending this agreement with you and unregistering you as an App user; or

i. any other important change to our business that affects the App or these App Terms.

7.4   Subject to any marketing preferences you have notified to us, our App messages and other communication methods may also be used to send you information and notifications about:

a. our Products and related services;

b. competitions, prize-draws, offers or other promotions that we or a partner provide in the App or via other channels, including Product-specific promotions we operate, and App promotions (which may require a further registration by you with a commercial partner and subject to their applicable terms and conditions and Privacy Notice);

c. Coventry Building Society’s business generally, including information for our members; and

d. products and services offered by other financial services businesses owned by, or affiliated to, Coventry Building Society.

7.5   Our App also features a chat function in the form of a ‘pop-up’ screen to enable an interactive discussion between you and us, which can help provide you with assistance or answer queries about the App or our Products. The hours when the ‘live chat’ feature is available will be shown in the App. We may keep a record of any chat conversation to help us provide Products, services and assistance to you, and to help us improve the App and our Products and services generally. All information in any chat conversation is confidential and will be processed in accordance with our Privacy Notices.

7.6   In addition to the chat function, you can also communicate with us by any other method specified in the App, or by calling our Customer Service Centre. If you wish to use one of our branches, our branch staff can also assist with App related queries.

8.1   The App is provided to you on an ‘as is’ and ‘as available’ basis. We take all reasonable measures to ensure that the content, functionality, and user experience in the App is accurate, relevant, up-to-date, and correct, but we do not guarantee that your use of the App will be uninterrupted or error free. Please let us know if you think something isn’t right in the App, or if it’s not worked as you expected, and we will try to rectify it.

8.2   We aim to ensure the App is usually available to all App users on a continuous basis, but we do not guarantee that the App and all its features and functions will always be available to use 24 hours a day, seven days a week. The App may be unavailable or have certain features or functions restricted during periods of planned or emergency maintenance or when any other unplanned event or error occurs that affects the App.

8.3   The App may also be unavailable or restricted when we need to take steps to manage, counter, or remove a security threat, cyber attack, or any other identified risk to the App, our systems or customer data.

8.4   If the App or any of its functions may be unavailable or restricted due to planned maintenance we will usually try to notify App users in advance by notices in the App, by sending App messages, placing information on our website, or by other appropriate communications. We do not guarantee that App maintenance will take place at any particular time(s), or that it will be completed within any particular timeframe.

8.5   We seek to continuously improve the App content, features, functionality and ease-of-use for all App users, and therefore we may make changes to the App from time-to-time and without notice (except where we must give notice under any Product Terms or these App Terms). We reserve the right to add, change, remove or block content, features or functionality in the App, either temporarily or permanently, and for any reason we consider reasonable to meet our business needs, App user needs generally, or to comply with any of our legal and regulatory obligations.

9.1   The App is only for your personal, non-commercial use, as a consumer. You must not let other people access or use the App on your device, either on your behalf, or for their own purposes.

9.2   Your App registration must be active and linked to your device for you to use the App. If you change your device you will need to download and install the current version of the App to it, reenter your registration details and reset your Security Details.

9.3   Any decision made by you when using the App is solely your responsibility and should be based on the App content and any Product information displayed to you in the App at the time. The content of the App and Product information can be updated frequently, so it is important that you rely only on the information displayed in the App at the time of making any decision or transaction.

9.4   The App is designed to be suitable for use by a broad range of individuals. This means that, in general, the App’s content, features and functionality are not tailored or specific to you, to your financial circumstances, or to any individual requirements or preferences you may have.

9.5   The App will display and highlight the Products you currently have open with us (and any Product where you have registered with us as an attorney for someone else that is the beneficiary of that Product), to help you quickly view balances and recent transactions, and carry out other actions for those Products.

9.6   The App will also display other Products that we generally offer to all App users. You may not meet the eligibility criteria to apply for all Products shown in the App. The Product Terms and information shown in the App will detail any eligibility and acceptance criteria for each Product. 

9.7   We may withdraw any Product advertised or offered in the App at any time and without notice. We may also change the Product Terms, features, or the eligibility and acceptance criteria for any Product offered in the App at any time and without notice (except for a Product already opened in your name, in which case the Product Terms will set out when and how we may make changes).

9.8   Please note that Product transaction processing times, notice periods or other timings that are stated to take effect only during normal business opening hours or on business days, are not changed by the App’s general availability 24 hours a day and seven days a week. This means that use of the App won’t usually speed up, or reduce, any time periods specified in the Product Terms.

9.9   Some of our Products may not be accessible in the App (e.g. older passbook branch-based accounts). Some Products shown in the App may only display limited information such as balances and recent transactions; other features, actions, or instructions may only be available by using another channel, such as our Online Services, telephoning our Customer Service Centre, post, or by visiting one of our branches. The Product Terms will usually explain which of our channels, including the App, can be used to operate or access each Product and its features.

9.10   The App cannot be used to apply for, or use, any Product that has two or more signatories to approve account actions or transactions (this includes any joint account where two or more account holders must sign to authorise transactions). Joint accounts that can be used by any signatory by themselves can be used in the App in the same way as other accounts, although only the registered App user should use the App on their device

10.1   If you apply for a Product in the App (as with our other channels) we will ask further questions about you, your finances and financial goals to ensure you meet the Product eligibility criteria and that the Product is suitable for you. The information you provide to us when making an application is processed in accordance with our ‘Privacy Notices’, as outlined above.

10.2   In order to process a Product application in the App we may ask you to upload photographs of documents using your device to confirm your identity and address (for example, a passport or driving licence showing a photograph of you, and/or other official documents showing your current address).

10.3   The personal information and contact details you provide when making a Product application should usually be the same as those used when you registered in the App. If your personal or contact details have changed since you registered, please update them in the App before completing a Product application in the App. In some cases you may need to re-register in the App to fully update your personal or contact details.

ISAs and your personal tax arrangements

10.4   If you apply to open an Individual Savings Account (‘ISA’) Product in the App, HM Revenue and Customs ISA tax regulations will apply. You may need to provide additional information in the App so that we can confirm you are eligible to both open the ISA Product and to pay in funds (a ‘subscription’) in that tax year. Details of applicable ISA requirements or limits will be detailed in the Product Terms or shown in the App. We cannot provide any personal tax advice to you or communicate with HM Revenue and Customs on your behalf. You are solely responsible for complying with all applicable tax laws and regulations that apply to you.

Product time-limits or caps

10.5   Some of our Products have time-limited application periods, a cap on the number of accounts we will open, or other limitations on the type or number of applicants we will accept. Any of our Products offered in the App can be withdrawn or changed at any time and for any reason (except where we have already accepted an application and opened a Product in your name, in which case any changes will only be made in accordance with the Product Terms).

Product promotions – bonus rates, prize draws, or other offers

10.6   Some Products we make available in the App may have linked promotions such as bonus interest rates, prize draw entries, competitions, or other offers. Any applicable eligibility criteria and the terms and conditions for any such promotion will be displayed in the App or the Product Terms. Subject to those terms and conditions any Product promotion shown in the App may be withdrawn, cancelled or changed at any time. In addition to Product related promotions, we may also make available other, separate promotions connected to your use of the App (see ‘App Promotions’ below).

Product eligibility criteria and checks

10.7   Each Product application you make in the App is always subject to the specific Product Terms, eligibility and acceptance criteria, and our standard identity and financial crime checks. Registration as an App user, or holding other Products with us, does not provide any guarantee that you will be accepted for any other Product application you make to us in the App and we are under no obligation to accept any application you make.

10.8   We will reject a Product application and will not be responsible for any financial loss (including any consequential losses) you suffer if you do not submit a complete and accurate application to us, fail to submit it before any applicable deadline or subscription limit is reached or before the Product is withdrawn or cancelled, if you fail to meet all the applicable acceptance criteria for a Product, or if you fail to pass all of our identity and financial crime checks.

Cancellation rights for Products opened in the App

10.9   Each Product description in the App or the Product Terms will detail the applicable cancellation period and withdrawal rights for each Product. You should refer to these if you wish to cancel or withdraw from a Product you applied for in the App and which has been opened in your name. 

11.1   Registering as an App user may enable you to receive information about App Promotions including specific benefits, discounts, offers, competitions or prize draws from time-to-time (an ‘App Promotion’). App Promotions will usually be operated by a carefully chosen commercial partner engaged by us, and any such commercial partner may also use, advertise or promote benefits, offers, goods or services provided by, or with, third-party businesses.

11.2   Participation in any App Promotion is entirely optional, and you will need to opt-in and register to receive or participate in App Promotions; this may be done in the App via a link to an external website registration page. To register you will need to consent to the processing of your personal information by the commercial partner operating the App Promotions, as detailed in a Privacy Notice available on their website, agree to the specific App Promotion terms and conditions they provide to you, and satisfy any applicable eligibility criteria.

11.3   We do not guarantee that App Promotions will be offered regularly, or at all, and they are not a core part of the App functions or service we provide. App Promotions may be one-off, time-limited, only offered or made available to certain categories of App users (e.g. users registering or using the App on or between certain dates) or have financial or numerical limits on the benefits, discounts, offers or entries that will be offered or made available to App users.

11.4   We do not guarantee that you will qualify or meet the eligibility criteria for, or receive any benefit from, any App Promotion offered or made available to you or to App users generally. We will not offer any alternative benefit, goods or service of an equivalent value to you in the event you do not qualify or meet any stated eligibility criteria for any App Promotion.

11.5   We are not responsible for the content of the website displayed to you by any commercial partner operating or managing any App Promotion, or for the content of any website displayed by any third-party business participating in any App Promotion which they use to offer or supply any of their products or services.

11.6   We are not responsible for the quality or suitability of any service or goods offered or supplied by any third-party business as part of an App Promotion, and we will not be liable to you for any financial loss (including any consequential losses), or any other loss or harm you suffer as a result of a failure or defect caused by, or the responsibility of, the commercial partner operating an App Promotion, or any third-party business involved in an App Promotion.

11.7   If any App Promotion or any benefit, offer, goods or service forming all or part of one, requires you to pay any fee or charge to the commercial partner operating it, or to any third-party business for any benefit, offer, goods or service ordered or requested by you, you are solely responsible for paying that fee or charge, and we will not pay any fee or charge for you, or on your behalf. You agree and acknowledge that you are solely responsible for all such fees and charges, and any costs, such as card fees or transaction charges, associated with making a payment in respect of any App Promotion. You also agree and acknowledge that you are solely and fully responsible for any and all debts you accrue or owe to any third-party as a result of your participation in any App Promotion or any related activity, or for any goods or service you receive.

12.1   You agree that you will not:

(a) rent, lease, sub-licence, loan, provide or otherwise make available the App, or any of its content or functions, in any form, in whole or in part, to any person without prior written consent from us;

(b) store the App, or any of its content or functions, on a server (or any other storage device connected to a network), reproduce, copy, distribute, disseminate or modify the App or any of its content or functions (in whole or in part), or use the App or any of its content or functions for any commercial enterprise or purpose, or for any illegal, immoral purpose, or otherwise outside of these Terms of Use;

(c) use the App, or any of its content or functions, in any way that could damage, disable, overburden, impair or compromise the App or its functions, our systems or security, or interfere with other App users;

(d) infringe our intellectual property rights or those of any third-party in relation to the App, or any of its content or functions;

(e) transmit any material or message that is defamatory, offensive, abusive, threatening or otherwise objectionable in the App, including about, or directed to, us, any member of our staff or our contractors, or any other person. This includes in any payment reference or message sent in the App, where that reference or message may be received or seen by us, another financial services business, or by the intended recipient of a payment;

(f) collect or harvest any information or data from the App, or from any service we or our commercial partners provide, or our systems, or attempt to decipher any transmissions to or from the servers running any service accessed in the App;

(g) export or re-export the App into any U.S embargoed countries or to anyone on the U.S Treasury Department’s Specially Designated Nationals List or the U.S Department of Commerce Denied Persons List or Entity List; and

(h) use any App service or feature, or any Product displayed or accessed in the App, for any purpose prohibited by the laws of England and Wales, Scotland or Northern Ireland, or by the laws of the United States.

12.2   If we reasonably believe you have breached any of the above restrictions we may:

a) block or remove your access to the App immediately and without notice; and

b) unregister your device from the App and end this agreement with you immediately and without notice.

Screenshots or saving App pages for your own use

12.3   You may display, screenshot, save, store, and/or print individual App pages or screens on or using your device, or on any peripheral or storage media you own that can be connected to your device, provided this is done for your own personal and non-commercial use. We strongly recommend that you do not screenshot, save, store or print any App page or screen that shows any of your Security Details. 

13.1   Where the App is linked from or to other websites (or the App provides access to them), this does not imply or mean that any such third-party website is part of the App or under our control, or that we in any way approve, endorse, examine or evaluate the content, accuracy or policies of that website.

13.2   If you access or use any third-party website, or any service provided on or through such website, you do so at your own risk. We will not accept any liability and will reject any claim you may make to us as a result of any loss or harm you suffer from the content, processes or activities of any third-party website. This includes, but is not limited to, the use of any personal information you provide to it, or which it collects when you access the website on your device. Please check any privacy notice or data processing policy published on any third-party website if you are concerned about how your personal information may be used or processed by the owner or controller of the website.

13.3   We strongly recommend that you do not access or use any third-party website where the App is linked from or to it (outside of the App store), and where that website appears to be operated or managed by a person or business outside the United Kingdom, or that has a webpage address that appears to be hosted on or from a web domain operating outside the United Kingdom. We also do not guarantee or check the safety, reliability, reputation, ownership or controller of any website operating within the United Kingdom that the App is linked from or to. 

14.1   All rights (including but not limited to all copyright, patents, unregistered and registered design rights, trademarks, graphics, photographic images, material (including any copies or arrangements) (‘intellectual property rights’)), and all software, underlying source code, any material sent to you by email or any other form and all other material on this App are copyright of Coventry Building Society (©The Coventry Building Society 2024 - 2025), all rights reserved or used under licence from Apple (Copyright © 2025 Apple Inc) or Google (Copyright © 2025 Google LLC) or other third parties. We (Apple, Google or other third-party software licensors where relevant due to the use of their software in the App) as applicable reserves all rights (including intellectual property rights) in and to the App not expressly granted to you under these Terms of Use.

14.2   You have no intellectual property rights in or to the App other than the licence to use the App in accordance with these App Terms.

14.3   You shall not be entitled to grant any rights to any third party in relation to the App.

14.4   In the event of any third-party claim that the App or the end-user’s possession and use of the App infringes third party’s intellectual property rights, we, not Apple or Google, will be solely responsible for the investigation, defence, settlement and discharge of any such intellectual property infringement claim. You must notify us as soon as possible if you receive any claim or correspondence from any person that suggests your use of the App infringes any intellectual property rights

15.1   As the App is accessed and used on devices which are not owned, controlled or managed by us, we cannot guarantee and do not warrant that the App used on any device is fully secure, free of viruses, error-free or that the App is compatible with any device, its operating system, software or any browser. Apple and Google also give no warranty in relation to the App. You agree that use of the App is at your own risk. The App is provided on an ‘as is’ and ‘as available’ basis with any faults it may have.

15.2   You must ensure that the device you use for accessing the App meets any hardware and/or software specifications as specified in the App store or within the App, and that any software updates for the device or its operating system are downloaded and updated regularly and when notified by the device manufacturer, or Apple or Android, as applicable. We have no responsibility for the device you use to access the App.

15.3   We are not responsible for and will not accept liability for any losses (including consequential losses) you suffer if:

a. you cannot access the App or any of its content or functions, because you have not successfully updated the operating system software on your device when requested by us, by Apple or Google/Android, by your device manufacturer, or by your mobile network operator;

b. you install any operating software or version that is incompatible with the current version of the App so that the App cannot be accessed, or which causes the App to operate incorrectly or with errors; or

c. you do not successfully complete the installation of a current or updated version of the App when prompted in the App or notified in an App store, or when prompted in any communication we send to you.

15.4   We are not responsible for and will not accept liability for any financial losses (including consequential losses), or for any other harm you may suffer that is caused by or linked to the App in different circumstances. These circumstances are when the loss or harm is:

a. Unexpected. In other words, it was not obvious that the loss or damage would happen, or it was not something we could reasonably have known or foreseen, and nothing that you communicated to us meant we should have expected it.

b. Caused by events outside our control. This applies to losses caused by circumstances beyond our control, for example, due to extreme weather, terrorist activity or industrial action.

c. Avoidable by you. This means a loss or harm arising from something you could have avoided by taking reasonable action, and including if you fail to follow instructions in the App, or in these App Terms; or

d. Relates to a business loss. The App and our Products are intended for personal use by you as a private individual and as a consumer – we are not liable for losses relating to your use of the App or any Product for the purposes of any trade, business, craft or profession you may engage in.

15.5   We and you hereby acknowledge and agree that we, and not Apple or Google, are responsible for addressing any claims from you as an App user or from any third party relating to the App or to your possession and/or use of the App, including, but not limited to:

a. product liability claims;

b. any claim that the App fails to conform to any applicable legal or regulatory requirement; and

c. all claims arising under any consumer protection or similar legislation.

15.6   You acknowledge and agree that the App has not been developed to meet your individual requirements.

16.1   We have the right to amend these App Terms for any of the reasons outlined below and at any time. Where possible we will notify you of the changes in advance of them applying by sending an email to your registered email address, or by a notification in an App message. The amended and updated App Terms will be published and available on our website no later than the date on which they become effective.

16.2   We have the right to amend these App Terms at any time to reflect any change we make, or any future planned change we intend to make, to:

a. the App, its content, features or functionality, or its security and login processes;

b. the type or range of customers or users to whom the App is made available;

c. any Product, service or activity that we offer or provide, or intend to offer or provide, to App users, or to consumers via any other channel;

d. our business, assets or the operations of Coventry Building Society, including to our IT and App systems, or to the Rules and Memorandum of Coventry Building Society;

e. the commercial arrangements and legal agreements we, or any other company in our group, have with any third-party business or person; or

f. the corporate, legal or ownership structure of Coventry Building Society and our group of companies that we own or control.

16.3   We can also amend these App Terms at any time to reasonably and proportionately reflect:

a. changes to the laws or regulations in force, or that are due to come into force, that apply to the App, to any of our Products available in the App, or to us, our group of businesses or any of our other services and activities;

b. changes to regulatory requirements, including guidance and best practice that applies to the App, our Products, or to us or our other services and activities;

c. a decision, direction or order issued by any regulatory, statutory or government body addressed to us, or to any business similar to us and which we consider it reasonable and prudent for us to also have regard to;

d. a court ruling or ombudsman decision addressed to us, or to any business similar to us and which we consider it reasonable and prudent for us to also have regard to;

e. changes to digital banking, to the retail financial services market generally, or to Open Banking or competition requirements or measures applicable to us, our group of businesses or to retail banking generally, or to any of our Products, or the App;

f. changes to the United Kingdom payments market, infrastructure or payment processing partners we rely on to process payment transactions authorised or made in the App for certain Products, or changes to the processes or to the fees, charges or costs incurred by us in relation to any type of payment transaction; or

g. changes to our costs of providing the App and our related services and support for the App;

16.4   We will provide at least two months’ notice in advance of introducing or changing any fee or charge to access or use the App.

16.5   If you are happy with any change to the App Terms notified to you can continue to use the App. The App Terms are available on our website at any time.

16.6   If you do not accept any change to these App Terms you will not be permitted to continue to use the App. In this case you should stop using the App, unregister it from your device and this agreement will come to an end.

17.1   These App Terms do not have a fixed or minimum duration and will continue until either you or we end this agreement. If you wish to cancel or end this agreement with us click ‘Unregister Mobile Device’ in the App and remove the App from your device. If you need help with unregistering your device, please call our Customer Service Centre on 0800 121 8899.

17.2   We may end this agreement and your right to use the App immediately and at any time without notice if we reasonably believe you have seriously or repeatedly breached:

a. these App Terms; or
b. any of our Product Terms if you have a Product registered in your name.

17.3   If your breach is not serious we may tell you the nature of the breach and give you a reasonable opportunity to remedy it (where it is capable of being remedied), and allow this agreement and your use of the App to continue.

17.4   We may also end this agreement and your right to use the App immediately and at any time without notice:

a.      to comply with our legal or regulatory obligations;

b.      to comply with any court order or regulatory decision,

c.      if we have reasonable concerns about unauthorised use of the App registered in your name, or misuse or potential misuse of your Security Details;

d.      if we reasonably believe that the App registered in your name has or may cause any financial harm, loss or abuse to be suffered by us, our staff or contractors, by you, or by any third party; or

e.      if we reasonably believe the App registered in your name has been used to commit any fraud or other criminal offence, or may be used for any illegal purpose in the future.

17.5   We may also end this agreement and unregister you as an App user if:

a.      you have not installed an App update or new version release after we request or prompt you to do so, and after a reasonable period of time has elapsed;

b.      you have not logged in to the App for a long period of time (at least 12 months) and after we have told you that we may end this agreement due to you no longer using the App; or

c.      you ask us to, or someone who has lawful authority to act on your behalf in relation to your financial affairs asks us to (e.g. an attorney, a deputy appointed under a Court of Protection order, or an executor dealing with your estate).

17.6   If we decide to end this agreement and/or to unregister you as an App user, we will inform you by sending an email to the email address you registered in the App, or by writing to you at the address we hold for you. If the App remains accessible on your device after we have told you the agreement has ended you must cease using the App, unregister, and delete it from your device. Laws, regulations or confidentiality obligations we are subject to may mean we are unable to inform you that the agreement has ended immediately, or the reason(s) for deciding to end it, or to give you notice that your App registration has ended and that we have unregistered you as an App user.

18.1   These App Terms are governed by English law.

18.2   Any legal proceedings between you and us in respect of the App shall be determined by the courts in the part of the United Kingdom where you live.

18.3   The United Nations Convention on the International Sale of Goods is hereby specifically excluded and shall not apply to these App Terms.

If you would like any further information about the App or these App Terms, or to discuss your App registration or any Product application, please contact us.

If you want to learn more about the App, or have any problems using the App, please take a look at our App help website pages.

If you have any feedback or would like this document posted to you in a large print paper copy, in Braille, or as an audio CD, we’ll be happy to help. Call us on 0800 121 8899 Monday to Friday 8am-7pm or Saturday 9am-2pm.

Complaints

For information about our complaints process please refer to our website, or the Product Terms if you have applied for or hold any Product with us.

Coventry Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 150892).

Registered Office:

Coventry Building Society

Coventry House, Harry Weston Road,

Binley, Coventry,

West Midlands,

CV3 2TQ

Terms of Use last updated:

June 2025