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 using the Website, you confirm that you accept the Terms and Conditions of Use and that you agree to comply with them.

1. Definitions and interpretation
   In these Terms and Conditions of Use and on the Website, 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 UK plc" - means Bank of Ireland (UK) plc, a company registered in England & Wales with company number 7022885.
   
   "Bank of Ireland UK" - refers to the operations of any member of the Bank of Ireland Group within the United Kingdom.
   
   "Bank of Ireland Group" - means Bank of Ireland UK plc, any holding company of Bank of Ireland UK and any subsidiary or subsidiary undertaking of Bank of Ireland UK plc or any holding company.
   
   "Privacy Policy" - 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 Policy 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 UK and Bank of Ireland Group;
   
   "Website" - means this website, being a website accessible at or via the internet address www.bankofirelandUK.com;
    
2. Governing Law and Jurisdiction
   Information appearing on this Website is provided in accordance with and subject to the laws of England and Wales and the laws of England and Wales govern the conduct and operation of this website. The courts of England and Wales 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 England and Wales.
    
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 of the information contained on this Website.
    
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 to use the website.
    
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. Users of this Website should note that each of these products and services are provided subject to separate specific terms and conditions which should be carefully read.
    
7. Amendments
   We may update the Website from time to time and may change the content at any time. However, any of the content on the Website may be out of date at any given time and we are under no obligation to update it.
    
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. Neither Bank of Ireland UK nor Bank of Ireland Group endorses or represents the reliability, accuracy, or quality of any information, goods, services, or products displayed or advertised 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 (to the extent permitted by English law) 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 (including attempts to access or use); 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 UK. 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 of Bank of Ireland UK.
    
9. Security
   At Bank of Ireland Group we are committed to ensuring the privacy of your information and seeking to attain the highest standards of security at all times. However, you should note that messages and information passing over the internet may not be free from interference by third parties and should be independently verified. You should never disclose data over the internet unless you have satisfied yourself as to the security of the related technology/encryption.
   
   A number of banking organisations and their customers have recently been the target of hoax e-mails that are aimed at gathering internet/account details of the customers. Some of these hoax e-mails have encouraged or facilitated contact with hoax websites that purport to be (but are not) the website of the relevant banking organisation. To date the occurrence of such online fraud has not been extensive. However, we would always advise you to be cautious as regards disclosing your personal details. In particular, you should note that we will only ever request your personal details if: (i) you are seeking to initiate e-mail contact with us via this Website; or (ii) you initiate a request for a particular service via this Website and we require certain of your personal details to provide you with the requested service.
   
   Please note that the 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 Policy
    Bank of Ireland Group will use your personal data in the manner set out in its Privacy Policy. However, in the event of a conflict between the Privacy Policy and these Terms and Conditions of Use, the Terms and Conditions of Use shall prevail.
     
11. General disclaimer of liability
    
    11.1
    Nothing in the Terms and Conditions of Use excludes or limits our liability for any liability that cannot be excluded or limited by English law.
    
    11.2
    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:
    
    (i) use, or inability to 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
    (ii) reliance on the information contained in this Website, whether:
    (a) downloaded or not;
    (b) authorised or not.
    
    11.3
    Bank of Ireland Group makes no representation or warranty or undertaking of any kind in relation to the analysis or information contained on this Website or the completeness or accuracy of such information.
     
12. Right of Bank of Ireland UK 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 UK.
     
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. Viruses

    We do not guarantee that the Website will be secure or free from bugs or viruses.

    You are responsible for configuring your information technology, computer programmes   and platform in order to access the Website. You should use your own virus protection   software.

    You must not misuse the Website by knowingly introducing viruses, trojans, worms,   logic bombs or other material which is malicious or technologically harmful. You must   not attempt to gain unauthorised access to the Website, the server on which the   Website is stored or any server, computer or database connected to the Website. You   must not attack the Website via a denial-of-service attack or a distributed denial-of   service attack. By breaching this provision, you would commit a criminal offence under  the Computer Misuse Act 1990.

15. Cookies
    
    15.1
    What is a cookie?
    Cookies are small pieces of information, stored in simple text files, placed on your computer by a web site. Cookies can be read by the web site on your subsequent visits. The information stored in a cookie may relate to your browsing habits on the web page, or a unique identification number so that the web site can "remember" you on your return visit. Generally speaking, cookies do not contain personal information from which you can be identified, unless you have furnished such information to the web site.
    
    15.2
    How do Bank of Ireland UK use cookies?
    Bank of Ireland UK uses cookies to collect information about visitors' use of the website, including things like connection speed, operating system details, the time and duration visits and IP addresses. The information collected by cookies enables Bank of Ireland UK to understand the use of its site, including the number of visitors it has, the pages viewed per session, time exposed to particular pages etc. This in turn helps to provide visitors with a better experience. Bank of Ireland UK will not attempt to personally identify visitors from their IP addresses.
    
    Cookies will not be used to contact you for marketing purposes other than by means of advertisements offered within the Bank of Ireland UK website.
    
    Cookies do not in any way compromise the security of your computer.
    Visitors can use this Website with no loss of functionality if cookies are disabled from the web browser.
    
    15.3
    How to disable cookies?
    Below is information on how to disable cookies for some of the more popular web browsers.
    
    Please note: Bank of Ireland’s 365 online banking service requires cookies to be enabled in order for the service to function properly. If you disable cookies, you will not be able to use our online banking service.
     

    Internet Explorer 5.0+

    Go to the 'Tools' menu

    Click on 'Internet Options'

    Click the 'Security' tab

    Highlight the 'Internet' zone (selected by default)

    Select security level 'High' for this zone

    Click on 'OK'
     

    Mozilla Firefox

    Open the Edit menu and choose Preferences.

    Under the Privacy & Security category, choose Cookies. (If no subcategories are visible, double-click the category to expand the list.)

    Click the following radio button: Disable cookies

    Netscape 6.0+

    Go to 'Edit' in the menu bar

    Click on 'Preferences'

    Click on 'Advanced'

    Select the 'Cookies' field

    Tick either 'Warn Me Before Accepting a Cookie' or 'Disable Cookies'

    Click on 'OK'
    
     
16. General
    
    16.1
    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 England and Wales.
    
    16.2
    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.