Terms & Conditions

Website Terms and Conditions for www.ircireland.ie

These terms and conditions govern your access to and use of the website www.ircireland.ie (the Site) and the services made available to you via this website (“the Services”). Please read these terms and conditions carefully. Any use by you of the Site or any service on the Site shall be on the basis that you have read, understood and agreed with these terms and conditions.

Interest Rate Checker Ireland Limited may vary or change these terms and conditions for technical, operational or commercial reasons. A current version of the terms and conditions shall be available to you at all times; it is your responsibility to review the Site periodically to maintain awareness of the current terms and conditions. Your continued access to the Site and use of the Services after any such changes have been made shall constitute consent to such changes. If you are a customer of Interest Rate Checker Ireland Limited and are availing of certain services, any contract or terms and conditions of those services shall also apply to you in addition to these Terms and Conditions.

General
This Site is provided subject to the laws of the Republic of Ireland. Certain Services are provided in conjunction with and in order to deliver services provided by Interest Rate Checker Ireland Limited, and it is a condition of your use of such Services that you are a current customer of Interest Rate Checker Ireland Limited. If you are not a customer for such Services you are not authorised to register for such a Service on behalf of a customer; if you do so, Interest Rate Checker Ireland Limited reserves the right to bar access to the Service.

Interest Rate Checker Ireland Limited makes no representations that the Site and Services are appropriate or available for use in or from locations other than the Republic of Ireland. Users who access this Site from other locations do so on their own initiative and risk and are responsible for compliance with local laws. No information on this Site should be construed as a promotion or solicitation for any product or service or the use of any product or service which is not authorised by the applicable laws of your place of citizenship, domicile or residence.

Interest Rate Checker Ireland Limited may at any time and without liability modify, suspend or discontinue the Site or any Service with or without notice, for any valid technical, operational or commercial reasons. The suspension or termination of any Services provided to you by Interest Rate Checker Ireland Limited for any reason shall also lead to the suspension or termination of any such Services you avail of via this website. Interest Rate Checker Ireland Limited does not guarantee or warrant that any particular features of or information on the Site or any Service will be available to you at any given time.

You must ensure that any equipment used in conjunction with any Service is technically compatible for use with the Service and is used in accordance with any instructions, safety or security procedures applicable to that equipment. Interest Rate Checker Ireland Limited has no responsibility for any such equipment.

You acknowledge that the Services may not be available to you in the event that you are denied access or unable to access the internet or this Site. Interest Rate Checker Ireland Limited shall not be responsible for your inability to use the Services in these circumstances.

Before using certain Services you may be required to register with Interest Rate Checker Ireland Limited. Any information provided by you during registration must be complete and accurate. You must immediately inform Interest Rate Checker Ireland Limited of any changes to the information supplied by you during registration.

You are entirely responsible for maintaining the integrity and security of any Service account you open. When you register for Services you may be required to choose or you may be given a user name and/or a password. Interest Rate Checker Ireland Limited may restrict the user name or password you can choose. You must take all necessary steps to ensure your password/username and other information provided during registration is kept confidential, is used properly and is not disclosed to other persons. You agree to notify Interest Rate Checker Ireland Limited immediately if your password/username or other registration information has or is likely to become known to person(s) not authorised to use it or is being or is likely to be used in an unauthorised manner. You are advised to change your password regularly. If you forget or lose your password, you should contact Interest Rate Checker Ireland Limited and satisfy such security measures as Interest Rate Checker Ireland Limited may require before your password is re-issued or a new password is sent to you. Interest Rate Checker Ireland Limited reserves the right at its absolute discretion to require you to change any password used by you in connection with the Services.

Payment
You are responsible for any and all service fees, charges and costs (including costs for the use of telecommunications lines) associated with accessing the internet and availing of any Service via this Site. You may be charged by Interest Rate Checker Ireland Limited for your use of certain Services provided to you. You will be charged for such Services under the terms of the contract or general terms of the agreement for such services.

You also agree:

 to comply with all reasonable instructions or requests of Interest Rate Checker Ireland Limited or an authorised authority in relation to any Service or the investigation of any offences and to abide by all applicable laws and regulations (including copyright and intellectual property laws), licences, codes of practices and usage policies;
 not to resell, sub-licence or attempt to resell, sub-licence or otherwise exploit commercially any Service (or any part thereof) or any material or information accessed via a Service;
 not to upload to this site any material which contains viruses, trojan horses, worms or any other malicious or harmful programmes or code;
 to comply with the terms and conditions of any internet service provider whose services you may use to access this Site.

Use of the Site and Services
You expressly understand and agree that your use of the Site and Services is at your own risk.

In particular, you assume all responsibility for:

 taking adequate precautions against all errors, defects, interruptions or malfunctions in the provision of any Service;
 accessing, obtaining or transmitting information, materials, data, communications, messages, software and services via the Site (or linked sites) and any Service;
 installing and executing anti-contamination software and otherwise taking steps to ensure that information, if contaminated or infected, will not damage any information or system;
 all activities conducted through the use of any of your Service accounts, whether authorised by you or not;
 any dealings with advertisers, promoters or third party vendors on the internet, including the delivery of and the payment for goods and services;
 evaluating the accuracy, reliability, correctness or completeness of any information (including personal or financial information relating to you) and evaluating any goods (including software) or services offered by any third parties via the Site or linked sites. Interest Rate Checker Ireland Limited shall not be a party to or be in any way responsible for any transactions between you and such third parties;

The Site and Services are provided “as-is” and all conditions and warranties expressed or implied by statute or common law are excluded to the fullest extent permitted by law. In particular, Interest Rate Checker Ireland Limited makes no warranties or representations:

 as to the suitability, reliability, availability, timeliness, correctness, accuracy or completeness of the Site (or linked sites) or any Service or any information, material or communications transmitted, obtained or accessed via the Site (or linked sites) or any Service;

 that the Site or any Service will meet your requirements or that the operation of the Site or any Service will be uninterrupted, timely, secure or error-free or that any defect can or will be remedied;

 to the extent that the operation of the Site or any Service is dependent on third party service or content providers; that information or materials obtained or accessed by you via the Site or any Service will be free of infection by viruses, trojan horses, worms or any other malicious or harmful programmes or code.

Unless otherwise stated, neither Interest Rate Checker Ireland Limited nor any third parties involved in the provision of the Site or Services shall be liable for any losses or damage, costs or expenses (including indirect loss or consequential loss of use, data, profits, business or anticipated savings) arising out of or in any way connected with:

    the use of the Site (or linked sites) or any Service by you or other persons;
    the provision of or failure to provide any Service;
    your dealing with any third parties, including but not limited to advertisers, promoters, vendors or service providers;
    any errors, defects, interruptions, malfunctions or delays in the provision of any Service;
    reliance placed on any information material, data, communication or messages obtained, accessed or transmitted through the Site or any Service;
    the loss, corruption or overwriting of any information, material, data, communication or message;
    any unauthorised access to or alteration of your computer system, software, messages, information or data otherwise arising out of the use of the Site or any Service;
    the suspension or termination of any Service (or any part thereof);

You agree to indemnify and hold Interest Rate Checker Ireland Limited, its servants and agents harmless against any liability, loss, damage (including legal costs and fees), claims or proceedings (whether actual or threatened) sustained pursuant to the use of the Site or any Service by you, your agents or any third party via your Service account(s) or your breach of these terms and conditions

Force Majeure
If Interest Rate Checker Ireland Limited is unable to perform any obligation under this Agreement because of a matter beyond its reasonable control such as lightning, flood, exceptionally severe weather, fire, explosion, war, civil disorder, industrial disputes (whether or not involving our employees) or acts of local or central government or other competent regulatory authorities or events beyond the reasonable control of its suppliers, Interest Rate Checker Ireland Limited will have no liability to you for that failure to perform.
Proprietary Rights to Content
The information contained in the contents of the pages of this Site, including but not limited to the layout and expression, are the property of Interest Rate Checker Ireland Limited and/or its third party contributors and may not be copied, transmitted, converted, transcribed, stored or reproduced without express permission of Interest Rate Checker Ireland.

Privacy and Data Protection
We at Interest Rate Checker Ireland Limited take your privacy seriously, and endeavour to comply with all relevant privacy and Data Protection Legislation.

We may collect and process the following data through our website (and combine this with data provided to us by you through your interactions with us):

• The site uses cookies or similar technologies on our website. By using our website, you agree to this use of cookies.
• Any information provided by or about you through our website. This includes certain financial information which we need in order to provide services to you.
• If any person contacts us via phone, email, post, surveys, through our website or otherwise, we may keep a record of that correspondence.
• Where you purchase any products or services from us, we collect your data in relation to that product or service as set out in this policy and our contract with you for that product or service.
• You agree that any data you provide to us will be true, complete and accurate in all respects and you agree to notify us immediately of any changes to it. We will only collect personal information from or about you which is necessary to:
◦ process any applications for Services made by you;
◦ set up and administer your account with us;
◦ provide customer services and respond to and resolve any enquiries or complaints;
◦ provide any products, services or information requested by you;
◦ conduct analysis for traffic and billing management, and to support product development;
◦ contact you for market research purposes;
◦ conduct customer satisfaction surveys;
◦ personalise your experience on our website;
◦ keep you up to date by post, telephone, email, SMS, or pop-up with information about Interest Rate Checker Ireland Limited, subject to any marketing preferences indicated by you. Please note that where you opt out of all marketing from Interest Rate Checker Ireland Limited you will still receive service communications from us to the extent necessary to provide you with services;
◦ show you targeted online marketing adverts on our website and other websites. Online targeted adverts may be targeted by matching activities or information collected via third party cookies on our website with information collected offline.

If you are aged 16 or under, you must get your parent or guardian’s consent to provide your personal information to the Website, otherwise you are not allowed to provide any of your personal information to us.

Your personal information may also be processed by third parties on our behalf for the purposes outlined above. Some of these parties may reside outside the European Economic Area (the Member states of the European Union plus Norway, Iceland and Liechtenstein). Where this occurs, your information be subject to the same standards of privacy and data protection as those in Ireland. Where you send personal data to us via certain online services which transmit your data to third countries, you do so entirely on your own initiative, and this shall transmission shall not be an act of data processing by Interest Rate Checker Ireland Limited.

We may also disclose your information for the prevention and detection of crime and to protect the interests of Interest Rate Checker Ireland Limited and others or if required to do so by law or other binding request. By using our website you agree to such disclosure.

As required by Data Protection law, we adopt organisational and security measures to safeguard your personal data against unauthorised access, alteration, disclosure or destruction. However, the transmission of information via the internet is not completely secure. Any transmission is at your own risk.

Under Data Protection law you have the right to access, correct or in some cases to erase personal data held relating to you. You may request a copy of any such data we hold relating to you. We will charge an administrative fee of €6.35 to provide a copy of any data held and we may request a copy of ID to confirm your identity. To make such a request, please write to Interest Rate Checker Ireland Limited, Carniara, Lavagh, Ballymote, Co. Sligo.

External Links
Certain links on this Site lead to sites maintained by third parties over which Interest Rate Checker Ireland Limited has no control. Interest Rate Checker Ireland Limited makes no representations as to the accuracy, completeness, truthfulness or any other aspect of the information contained on such sites or sites linked to such sites. Any links to such sites are provided for convenience only and are to be availed of at your own risk.