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Information about us

The Make £5 Grow micro-site is owned and operated by Virgin Money.

References to "you" or "your" are references to any person accessing this website ("our Site"). References to "we", "us", "our", or "Virgin Money" are references to Clydesdale Bank PLC (trading as Virgin Money).

Clydesdale Bank PLC (trading as Virgin Money) is a bank registered in Scotland under company number SC001111 with its registered office at 177 Bothwell Street, Glasgow, G2 7ER. The Make £5 Grow Programme is owned and operated by Virgin Money and is only available in the UK. Virgin Money makes no representations for other locations.

You can contact us by email at or by telephone on 0191 2798001.

Use of our site

The use of this micro-site is subject to Virgin Money's main website terms and conditions. In the event of conflict between the main website terms and conditions and these terms, these terms will take precedence. Please note that our site is designed to be accessed through its principal home page and such pages as we may decide. If you access our site through individual pages directly which are not designed for this purpose, you may not see important information which is relevant to the information on our site.

You may access our site without registering your details but to participate in the Make £5 Grow Programme you will be required to register. Please refer to the registration sign up page on the main site for further detail on how to do this.

Please read our privacy policy which explains how we use your information when you use our site. This policy forms part of the terms and conditions.

Our privacy policy sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you agree that you will supply complete and accurate information when using our site.

Registration and accounts

Only schools or persons with a responsibility for educating children who do not attend a school (a "home educator") in the United Kingdom may register for the Make £5 Grow Programme. You will have to provide details such as:

  • the school;
  • your name;
  • position;
  • school bank account details if a loan is required;
  • in the case of a home educator, your own address and contact details; and
  • any other information we request in our registration form.

You must not share the URL you are provided with by Virgin Money.

We have the right to disable your Make £5 Grow account if we have reason to believe that you have used them inappropriately.

You must ensure that your registered details are accurate and also inform us of any changes to your details by updating your personal details.

Will we changes these terms and conditions?

We may change the terms from time to time for any of the following reasons:

  • to make any changes required by law, regulation, industry codes of practice or decision of a court, regulator or ombudsman;
  • where the changes are helpful to you (including making these terms clearer or correcting any mistakes);
  • where the changes reasonably reflect changes to our costs; or
  • where we are making changes to the technology we use to provide our Site.

The revised terms or changes will apply from the date that we publish them on our Site.

If any provision of these terms and conditions or their application in a particular circumstance is held to be illegal, invalid or unenforceable in whole or in part, the remainder of these terms and conditions, or the application of such provision in other circumstances, shall not be affected thereby, and shall be valid and enforced to the fullest extent permitted by law.

Our liability to you

We shall have no liability to you arising under or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it for any a) loss of profit, sales, business or revenues; b) loss of business opportunity; c) business interruption; d) loss of anticipated savings; e) loss of goodwill; f) loss of data; or g) any indirect or unforeseeable loss which may arise from your use of our site.

Nothing in these terms and conditions excludes or limits either our or your liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law. Our failure to exercise any rights or enforce any of these terms and conditions shall not constitute a waiver of such rights or terms.

Except as stated in these terms and to the extent permitted by law, we exclude all conditions, warranties or terms which might otherwise be implied by law.

Third Party products, services and sites

Our site may provide links which lead to the sites of third parties. You use such links entirely at your own risk. Virgin Money does not control these third party sites and does not accept any responsibility for the content, availability or operation of such sites. Virgin Money has not verified the truth or accuracy of such sites.

You and any third parties are not permitted to link any other website to our site without Virgin Money's prior written consent that we may provide at our own discretion. You are also not permitted to hot link any content or images without our prior written consent.

Virgin Money may from time to time operate channels, pages and accounts on some social media sites to inform and engage customers and other users about the Make £5 Grow Programme.

Intellectual Property Rights

We and our third party licensors where applicable, own and control all the copyright and other intellectual property rights in our site. All such rights are reserved. This includes and is not limited to our site, content and any materials downloaded.

You may not download (all or in part), transmit or modify our site without our prior permission.

You must not alter, edit, modify, publish, sell/rent, duplicate, transfer, distribute or exploit any material from our site for any public or commercial use without our express written consent.

We reserve the right to ask you to return or destroy all copies of the materials you have made.

VIRGIN and the Virgin Signature logo are registered trade marks of Virgin Enterprises Limited and are used under licence.

What happens when there is a bug or virus?

Whilst we take all reasonable precautions to prevent this happening we do not guarantee that our site is free of viruses or other malicious software. We will not be liable for any damage caused by viruses or other malicious software due to the use of our site or any other site linked to it.

You are responsible for configuring your platform to access our site and should use your own virus protection software. Please see our section on 'staying safe online Link opens in a new window' for advice on how to protect yourself online.

You must not use our site to transmit a virus, worm, trojan horse, time bomb, trap door or any other computer code, file or program or repetitive request designed to interfere with the performance of or impair the functionality of our site.

You must not use our site to upload, post, email, transmit or post links to any content that facilitates hacking, hack into any aspect of our site, upload, post, email or transmit links to any content that is unlawful or fraudulent, circumvent or attempt to circumvent, any of the security safeguards of our site or permit any third party to do any of the above.

If you breach these provisions or we suspect that you have breached the provisions in any way, we may send you a formal warning and may suspend your access to our site. We may also report you to the relevant law enforcement authority.

Governing Law

These terms are governed by English law and are subject to the exclusive jurisdiction of the courts of England and Wales.

If you have any further questions please contact us at:

Phone: 0191 279 8001

Address: Virgin Money, Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL