Terms & Conditions

Terms and Conditions

This page states the Terms and Conditions under which you may use the FitzGerald Life & Pensions Ltd. website (the “website”). If you do not accept the Terms and Conditions stated here, you are not permitted to use the website.

 

You should ensure that you have read and fully understand these terms before using the rest of this website. By accessing any part of this website you are deemed to have accepted these terms in full.

This website is operated from Ireland by FitzGerald Life & Pensions Ltd. FitzGerald Life & Pensions Ltd. may revise these Terms and Conditions at any time by updating this posting. You agree to visit this page periodically to review the Terms and Conditions, because they are binding on you and each time you use the website you agree to be bound by the current Terms and Conditions.

 

Content of Website

The information contained on the website is continuously up-dated. While we are careful to ensure that all information is accurate,FitzGerald Life & Pensions Ltd. does not accept any liability for errors, omissions, defects, unauthorised access or alterations to the website. For accurate real-time information and rates, please contact FitzGerald Life & Pensions Ltd. directly for specific tailored information to meet your particular requirements.

 

The content of this website is intended for use only by residents of those jurisdictions to which it is expressed to relate. None of the services or products referred to are available to persons resident in any state or territory where such products or services are prohibited by local law or regulation. The content of this website is provided for general information purposes only and does not constitute financial or other advice. Neither the information nor any opinion expressed in this website constitutes an offer to provide any product or service. The services featured on the website are subject to separate terms and conditions, FitzGerald Life & Pensions Ltd. internal regulatory and compliance procedures and practices.

 

All information and rates quoted on the website are for guidance only and do not form any part of a legal contract, agreement or understanding. You should not take any action on foot of information appearing on the website before taking appropriate financial, legal or other appropriate professional advice.

Where the website includes devices to allow you to calculate repayments or estimate the likely extent of any loan which may be available to you, please note that such information, prices and rates which may be quoted on the website are non-binding and are provided for guidance purposes only. No quotation or estimate shall be capable of acceptance unless and until it is contained in a formal Letter of Offer issued by a lender and accompanied by the full terms and conditions which will apply to the facility in question.

 

Use of Material

The contents of this website, such as text, graphics, images and other material (“Material”), are protected by copyright under both Irish and foreign laws. Unauthorised use of the Material may violate copyright, trademark and other laws. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. Except where expressly permitted in writing by FitzGerald Life & Pensions Ltd. , the use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

If you violate any of these Terms, your permission to use the Material automatically terminates and you must immediately destroy any copies you have made of the Material.

 

Use of the website

You agree not to use the website or cause or permit any Materials to be used:

so as to jeopardise or prejudice the operation, quality or integrity of the website or Materials, or the operation, quality or integrity of any telecommunications network; to harvest or otherwise collect information about others, including e-mail addresses, without their consent;

to distribute, download, upload or transmit any material which contains viruses, trojan horses, worms, time bombs, or any other harmful or deleterious programs; contrary to the terms and conditions of any Internet Service Provider whose services you may use.

If you violate any of these Terms and Conditions, your permission to use the Material automatically terminates and you must immediately destroy any unauthorised copies you have made of the Material.

 

FitzGerald Life & Pensions Ltd.  Liability

The Material may contain inaccuracies or typographical errors. FitzGerald Life & Pensions Ltd.  makes no representations about the accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the website and the Material. The use of the website and the Material is at your own risk. Changes are periodically made to the website and may be made at any time.

FitzGerald Life & Pensions Ltd.  does not guarantee that access to, or the information or functions contained in this website will be uninteruppted or error free, or that this website and server that makes it available are free of viruses or other harmful components and FitzGerald Life & Pensions Ltd. , its directors, officers and employees do not accept any liability for any loss or damage arising there from. Warrant that the website will operate error-free or that this website and server are free of computer viruses and other harmful goods. If your use of the website or the material results in the need for servicing or replacing equipment or data, IFitzGerald Life & Pensions Ltd. is not responsible for those costs.

 

The website and material are provided on an “as is” basis without any warranties of any kind. FitzGerald Life & Pensions Ltd. and its suppliers, to the fullest extent permitted by law, disclaim all warranties, including warranties of merchantability, non-infringement of third parties rights, and warranties of fitness for particular purpose. FitzGerald Life & Pensions Ltd. and its suppliers make no warranties about the accuracy, reliability, completeness, or timeliness of the material, services, software text, graphics, and links.

 

In no event shall FitzGerald Life & Pensions Ltd., its suppliers, or any third parties mentioned at this website be liable for any damages whatsoever (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the web site and the material, whether based on warranty, contract, tort, or any other legal theory, and whether or not FitzGerald Life & Pensions Ltd. is advised of the possibility of such damages.

 

The Internet is an inherently insecure medium and therefore the confidentiality, integrity, author or recipient of any electronic communications between you and FitzGerald Life & Pensions Ltd. cannot be guaranteed.

 

Links to Other Sites

FitzGerald Life & Pensions Ltd. website contains links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by FitzGerald Life & Pensions Ltd. of the contents on such third party websites. FitzGerald Life & Pensions Ltd. is not responsible for the content of linked third party websites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk and in accordance with the prevailing terms and conditions of such third party websites.

 

FitzGerald Life & Pensions Ltd. generally welcomes the hyper linking to the website from other appropriate websites provided such links are to the website’s homepage only and provided FitzGerald Life & Pensions Ltd. gives its consent to the establishment of such links. You may not use FitzGerald Life & Pensions Ltd. trade marks or material authored by FitzGerald Life & Pensions Ltd. without our express and specific written permission.

 

Any links to the website from another website must be presented in such a manner that the viewing of the website is not impaired by framing, co-branding or similar techniques that may impair the visitor’s user experience.

 

Indemnity

You agree to defend, indemnify, and hold harmless FitzGerald Life & Pensions Ltd., its directors, officers and employees from and against any costs, damages or losses of any kind, including without limitation, all legal, accounting and management fees, arising or resulting from any claims, actions and demands in respect of your use of the Material (including Software) or your violation of these Terms and Conditions or unauthorised use of the services and information provided on this website. This includes any infringement of copyright, trademark or intellectual property rights and any claim in respect of libel, defamation and breach of confidentiality. FitzGerald Life & Pensions Ltd. shall provide notice to you promptly of any such claim, suit, or proceedings and FitzGerald Life & Pensions Ltd. shall nominate such solicitors as it chooses to defend any such claim, suit or proceedings at your own expense.

 

Irish Law and Jurisdiction

The information in this website is aimed at residents of the Republic of Ireland and is not provided and should not be used in any country where accessing or use of such information is prohibited. The information contained in this website does not constitute an offer or solicitation of financial services by FitzGerald Life & Pensions Ltd.

 

We do not currently process online applications on the website for mortgages or other financial services. Any applications submitted by email will be subject to the same terms and conditions as those completed by hand in paper form including additional terms and conditions relating to credit checking, money laundering and regulatory notices.

 

Any disputes, claims or proceedings arising out of or in any way relating to the Materials or the website shall be governed by the laws of Ireland. 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 Site. The Irish Courts shall have exclusive jurisdiction for the purpose of any proceedings arising out of or in any way relating to the Materials or the website.

 

Privacy Security and Communication to us

See our Privacy Policy for details on how we comply with our obligations under the Data Protection Acts, 1988 and 2003. Please note that any communications to us will be retained in electronic form in accordance with our Data Privacy & Acceptable Use Policy.

 

General

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect.

FitzGerald Life & Pensions Ltd. may at any time and without liability modify, suspend or discontinue the website or any Materials (or any part or specification thereof), with or without notice, for any valid technical, operational or commercial reasons.

FitzGerald Life & Pensions Ltd.  shall not be liable, and shall not otherwise be deemed to be in breach of this Agreement, for any failure to perform (or delay in performing) any of its obligations hereunder caused by circumstances beyond its reasonable control.

FitzGerald Life & Pensions Ltd.  is regulated by the Central Bank of Ireland.