Terms of Use

By accessing and using the Bradford District Credit Union website and online services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please discontinue use of our website immediately.

Bradford District Credit Union Limited is a financial cooperative authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. FCA Registration No: 213472. Registered Office: 14 Manningham Lane, Bradford, BD8 7JF, UK.

To become a member, you must:

• Be 18 years of age or older (or have a parent/guardian co-sign for youth accounts)
• Live, work, or worship within the Bradford district or surrounding eligible areas
• Pay a one-time £5 share deposit upon joining
• Provide valid identification documents as required by UK law

By using our online and mobile banking platforms, you agree to:

• Keep your login credentials strictly confidential
• Immediately report any unauthorised account access to us
• Not share your account access with any third party
• Use our digital services only for lawful purposes
• Accept responsibility for any transactions made using your credentials

You may use our website for legitimate personal or business informational purposes. You must not:

• Attempt to gain unauthorised access to our systems or networks
• Use automated scraping tools or bots to access our content
• Post, upload, or distribute unlawful, defamatory, or harmful content
• Impersonate Bradford CU or any of its employees
• Attempt to interfere with the security or availability of the website

Content on this website is provided for general informational purposes only and does not constitute financial advice. Rates and product information are subject to change without notice. You should seek independent professional financial advice before making financial decisions.

All content on this website — including text, graphics, logos, images, and software — is the intellectual property of Bradford District Credit Union or its licensors. You may not reproduce, distribute, or create derivative works without express written permission.

Our website may contain links to third-party websites. We do not control or endorse these sites and accept no responsibility for their content, privacy practices, or availability. Accessing third-party sites is at your own risk.

Bradford District Credit Union shall not be liable for any indirect, incidental, or consequential loss arising from use of this website or our services, except where such liability cannot be excluded by applicable law. Our total liability shall not exceed the greater of £100 or the amount of any fees paid by you in the 12 months prior to the claim.

We reserve the right to suspend or terminate your access to our online services at any time, with or without notice, if we believe you have violated these Terms of Use or if required by law or regulation.

These Terms of Use are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We may update these Terms of Use from time to time. The effective date at the top of this page will reflect the latest revision. Continued use of the website after any changes constitutes your acceptance of the updated terms.

For questions about these terms, please contact us at info@bradfordcu.org or write to us at 14 Manningham Lane, Bradford, BD8 7JF, UK.