Terms & Conditions for the use of the Bank of Ireland group website

Terms and Conditions of use of Bank of Ireland Group Website

Access to this Website and the use of information on it is subject to these Terms and Conditions of Use. You should carefully read these Terms and Conditions of Use. By proceeding further, you will be deemed to have accepted them.

1. Definitions

   In these Terms and Conditions of Use, the following terms shall have the meanings indicated:

   “Terms and Conditions of Use” – means the terms and conditions of use of this Website herein contained;

   “Bank of Ireland” – means the Governor and Company of the Bank of Ireland;

   “Bank of Ireland Group” means Bank of Ireland Group plc, Bank of Ireland, its subsidiaries and associates;

   “Bank of Ireland Group plc” means Bank of Ireland Group plc;

   “Bank of Ireland Group Website” and “Website” mean this website, being a website accessible at or via any or all of the following internet addresses:
   (i) www.bankofireland.ie;
   (ii) www.bankofireland.com;
   (iii) www.bankofireland.net;
   (iv) www.boi.ie;
   (v) www.paid.bif.ie;
   (vi) www.bif.apakgroup.com;
   (vii) www.bposdirect.eu;
   (viii) www.bankofirelandlifeonline.ie

   “Privacy Statement” means our statement of practice as regards the privacy and security of your information when accessing and/or using this Website and any of the features hereon (you can read a copy of the Privacy Statement by clicking here)

   “you” means any and all persons accessing or using this Website and/or availing of any information and/or services available on or via this Website;

   “we” and “our” and “us” means Bank of Ireland and Bank of Ireland Group plc, Bank of Ireland and Bank of Ireland Group;

2. Governing Law and Jurisdiction

   Information appearing on this Website is provided in accordance with and subject to the laws of the Republic of Ireland and the laws of the Republic of Ireland govern the conduct and operation of this website. The courts of the Republic of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with these Terms and Conditions of Use, the information contained on this Website, and any use made of that information. Any such claims or disputes shall be resolved in accordance with the laws of the Republic of Ireland.

3. Disclaimer as to accuracy of information

   Care has been taken in the preparation of the information contained on this Website. However, we do not make any representations or warranties as to the accuracy, completeness, timeliness, merchantability, fitness for a particular purpose of the information contained on this Website. Any information whether or not is classified as “real time” may have stopped being current by the time it reaches you. Any opinions or comments expressed on this Website reflect our judgement at the date of issue and are subject to change without notice. Any pricing is indicative and does not, and is not intended to, constitute either an offer to buy or sell or a representation that a purchase or sale can be effected at that price.

4. Need for professional advice

   You should not rely on any information contained on the Website in relation to a specific issue or decision without taking financial, banking, investment or other advice from an appropriately qualified professional adviser.

5. Prohibited use of Website

   The information on this Website is not intended to be provided to and should not be used in any State or jurisdiction of any nature in which access to or use of such information is prohibited, whether in the format in which it is presented on this Website or otherwise. If you have any doubts about the legality of your using this Website, you should not continue any further.

6. Not an offer or solicitation

   The information contained on this Website is not intended to nor does it constitute an offer or solicitation of investment, financial or banking services by us or any of us. Unless otherwise stated, residents of the Republic of Ireland only are invited to apply for the credit products and/or any other products/ or services listed. Users of this Website should note that each of these products and services are provided subject to separate specific terms and conditions and/ or separate specific terms of business which should be carefully read.

7. Amendments

   The contents of this Website, including these Terms and Conditions of Use, any information contained on this Website and our Privacy Statement are subject to change and to being updated without notice from time to time.

8. Hypertext links

   • 8.1 This Website contains hypertext links to websites not maintained by Bank of Ireland Group or any member of Bank of Ireland Group. No member of Bank of Ireland Group endorses or represents the reliability, accuracy, timeliness, completeness, merchantability, fitness for a particular purpose or quality of any information, goods, services, or products displayed or advertised on such other websites. Bank of Ireland Group has not verified the truth or accuracy of any content of such websites and no warranty or representation is given or made in respect of the accuracy or truth of the content on such other websites. No member of Bank of Ireland Group is or shall be (or be deemed to be) a party to any contract that you may or do enter into with the providers of such goods, services or products. You are reminded that different terms and conditions of use will apply to you as a user of such websites. Bank of Ireland Group hereby disclaims any and all liability for the content of such websites and any loss or damage of any nature suffered by you as a result either: (a) of accessing or using such websites; or (b) availing of or acquiring any or all of the goods, services or products advertised or available on or via such websites. The use by you of such websites is at your sole risk.
   • 8.2 This Website contains hypertext links to websites maintained by members of the Bank of Ireland Group other than Bank of Ireland or Bank of Ireland Group plc. You are reminded that different terms and conditions of use may apply to you as a user of such websites.
   • 8.3 No third party is permitted to create a link from another website to this Website without our prior written consent.

9. Security

   Please note that Bank of Ireland Group cannot guarantee the privacy or confidentiality of information relating to you that passes over the Internet. In accessing this Website and in availing of any of the services/information available on or via this Website, you are deemed by these Terms and Conditions of Use to accept that electronic mail messaging and Internet communication may not be free from interference by third parties and may not remain confidential.

   In all circumstances the use by you of this Website is at your sole risk.

10. Privacy Statement

    Bank of Ireland Group will use your personal data in the manner set out in its Privacy Statement. However, in the event of a conflict between the Privacy Statement and these Terms and Conditions of Use, the Terms and Conditions of Use shall prevail.

11. General disclaimer of liability

    • 11.1 No member of the Bank of Ireland Group (or any other person involved with the provision and maintenance of this Website) takes any responsibility for the accuracy of the information provided on this Website. Use of such information is at the user’s sole risk. No member of the Bank of Ireland Group accepts any liability for any loss or damage of any nature, including but not limited to loss of profits, goodwill, or any other type of financial or other pecuniary or direct or special indirect or consequential loss howsoever arising whether in negligence or for breach of contract or other duty as a result of:
      • use of this Website, including but not limited to any electronic mail messaging and Internet communication that may arise from, in the course of or pursuant to such use; and/or
      • reliance on the information contained in this Website, whether:
        • downloaded or not;
        • authorised or not.
    • 11.2 Bank of Ireland Group makes no representation or warranty or undertaking of any kind in relation to the analysis, information or commentary contained on this Website or the completeness, timeliness, merchantability, fitness for a particular purpose or accuracy of such information.

12. Right of Bank of Ireland to information on this Website

    The information contained on this Website may not be copied, transmitted, amended or reproduced in any form whatsoever without the prior written consent of Bank of Ireland.

13. Attempted use of Website

    These Terms and Conditions of Use shall also apply, subject to alteration as necessary, to attempted access of the Website and attempted use of information on it.

14. General

    14.1 In the event that any provision in these Terms and Conditions of Use is held to be unenforceable or invalid, such provision shall be severed and the remaining provisions shall be enforceable to the fullest extent permitted by the laws of Republic of Ireland.

    14.2 Clause headings in these Terms and Conditions of Use are for reference purposes only and shall not be used to construe or determine the meaning of any or all of these Terms and Conditions of Use.

IMPORTANT INFORMATION

Bank of Ireland Group reserves the right to suspend or withdraw access to the webpages without notice at any time and accepts no responsibility for these webpages not being available at all times. No member of the Bank of Ireland Group (or any other person involved with the provision and maintenance of this Web site) provides any warranty as to the freedom of this site from errors, defects, viruses or other forms of harmful or malicious programs, components or macros. The information contained on these webpages is, unless otherwise specifically stated, the property of Bank of Ireland Group. The information and material contained on these webpages is for personal use only and may not be copied, printed, published, transmitted, amended or reproduced in any form whatsoever without the prior consent of Bank of Ireland Group. Bank of Ireland Group grants personal users permission (a licence) to:

• browse this material (including making such copies in RAM or other temporary storage device necessary to facilitate such browsing)
• print out hard copies for personal use.

All intellectual property rights associated with the webpages and their contents are reserved to Bank of Ireland Group and its licensors.

This Important Information shall also apply, subject to alterations as necessary, to attempted access of the webpages and attempted use of information on them.

MSCI CONTENT

Copyright MSCI 2009. Unpublished. All Rights Reserved. This information may only be used for your internal use, may not be reproduced or redisseminated in any form. None of this information is intended to constitute investment advice or a recommendation to make (or refrain from making) any kind of investment decision and may not be relied on as such. This information is provided on a “as is”; basis and the user of this information assumes the entire risk of any use it may make or permit to be made of this information. Neither MSCI, any or its affiliates or any other person involved in or related to compiling, computing or creating this information makes any express or implied warranties or representations with respect to such information or the results to be obtained by the use thereof, and MSCI, its affiliates and each such other person hereby expressly disclaim all warranties (including, without limitation, all warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability and fitness for a particular purpose) with respect to this information. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any other person involved in or related to compiling, computing or creating this information have any liability for any direct, indirect, special, punitive, consequential or any other damages (including, without limitation, lost profits) even if notified of, or if it might otherwise have anticipated, the possibility of such damages.