Kent Reliance Building Society

14 days to change your mind

After opening the account, you will have 14 days to reconsider your decision. You can withdraw your deposit up to the end of the consideration period and earn interest at the rate paid by the Society (for investment bonds, 100 days loss of interest will apply). If the deposit is a transfer from an existing account with the Society, the original account terms would be reinstated. If you’ve paid any cheques into your account, we can’t return that money until the cheque(s) have cleared – normally after six clear working days.

To exercise your right to cancel, simply notify us in writing at Kent Reliance Building Society, Reliance House, Sun Pier, Chatham, Kent ME4 4ET.

We'll always treat your account in strictest confidence

We'll treat all your personal information as completely private and confidential (even if you stop being a Kent Reliance account holder). We won't give any of your details away to anyone else, except in four exceptions which the law allows:

	if we are legally forced to do so
	if it is our public duty
	if our interests need us to disclose something about you (but we won't use this as an excuse for telling anyone else anything about you or your accounts)
	if you ask us to pass information on to someone else, or give us your permission

Under the Data Protection Act 1998, you have a right to see and receive a copy of information held about you on our records and to ask for any inaccurate details to be amended. The Society may charge a fee for this service. For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is Kent Reliance Building Society. If you have any questions about the Data Protection Act or your rights under it please write to the Society's Secretary at Kent Reliance Building Society, Reliance House,
Sun Pier, Chatham, Kent ME4 4ET.

If we get it wrong we'll put it right

We do our absolute best to get everything right all the time, but if you believe we haven't, please let your local branch, agent or Head Office know at once. Under our internal complaints procedure we aim to resolve all complaints by the close of business the following day. Where this is not possible we would acknowledge receipt of your complaint within five working days explaining the reason for the delay and telling you who will be reviewing your complaint.

Whilst we hope to be able to resolve any problem through our internal complaints procedure, customers can appeal to the Financial Ombudsman Service after internal procedures have been exhausted. Details of our complaints procedure can be obtained from our branch, agents or Head office.

For your protection - The Financial Services Compensation Scheme

We are regulated by the FSA and we are a member of the Financial Services Compensation Scheme (FSCS). The FSCS, set up under the Financial Services and Markets Act 2000, may cover your account. We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank/building society in the UK is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the Scheme.

In respect of deposits, an eligible depositor is entitled to claim up to the greater of £50,000 and €50,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be the greater of £50,000 and €50,000 each (making a total of the greater of £100,000 and €100,000). The limit (the greater of £50,000 and €50,000) relates to the combined amount in all the eligible depositor’s accounts with the Society, including their share of any joint account, and not to each separate account.

For further information about the Scheme (including the amounts covered and eligibility to claim) please ask at our branch or agencies, call us on 08451 22 11 22, refer to the FSCS website www.fscs.org.uk or call 020 7892 7300 or 0800 678 1100.

Our regulatory status and codes of practice

Kent Reliance Building Society is a member of the Building Societies Association, is covered by the Financial Ombudsman Service and Financial Services Compensation Scheme and we are authorised and regulated by the Financial Services Authority (FSA Registration number: 206038). For customer service and training purposes calls to Kent Reliance may be monitored and/or recorded.