In this section..

    Terms Of Use

    This IFG Group website is operated by IFG Group plc (referred to as "IFG Group/we/our/us"). As a user of this website (referred to as "you/your") you acknowledge that any use of this website ("use") is subject to the terms and conditions set out below.

    Please:

    • read through these terms and conditions carefully before using this website (and print a copy for future reference) and by using this web site you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this web site;
    • read our IFG Group Website Privacy Policy section regarding our use of your personal information.

    1. General

    1.1 The contents of this web site, including these terms and conditions, are subject to change by us at any time without notification. Any such changes will take effect when posted on the website (see date at the top) and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest terms and conditions.1.2 This website is designed to be accessed through it's principle home page and such other principle product pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain website pages to read important information which will contain product details and relevant legal or regulatory information and which should be read in conjunction with the appropriate website pages.1.3 If you choose to access certain services and products on this website which require electronic submission of details (including, for example, submitting a loan application) you may receive an automated acknowledgement to confirm that your application is being processed. Any such email is purely for acknowledgement purposes only and shall not constitute an offer or acceptance from IFG Group to provide you with any product or service.1.4 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

    2. Intellectual Property

    2.1 You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.

    3. Liability and Indemnity

    3.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or your statutory rights as a consumer, or any other liability which may not otherwise be limited or excluded under any applicable law. 3.2 Subject to 3.1 above, IFG Group will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind express or implied statutory or otherwise regarding the contents or availability of the site or that it will be timely or error-free, that defects will be corrected, or that the site or the server(s) that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the website. IFG Group will not be responsible or liable to you for any loss of information, content or material uploaded or transmitted through the website and IFG Group accepts no liability of any kind for any loss or damage from action taken in reliance on material or information contained on the site. 3.3 Subject to 3.1 above, IFG Group will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise out of, or in connection with, these terms and conditions for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; or special or indirect losses suffered or incurred arising out of or in connection with the provisions of any matter under these terms and conditions.

    4. Miscellaneous Provisions

    4.1 The terms and conditions of use of this website are governed by the laws of Ireland and any dispute will be resolved exclusively in the Courts of Ireland. 4.2 To provide increased value to our customers, we may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources. 4.3 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party unless agreed upon in writing by IFG Group. IFG Group reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions or any related contract to any third party. 4.4 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected. 4.5 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party except: a) the IFG Group (as defined below) shall have the right to enforce any rights or benefits under these terms and conditions and take the rights or benefits of any limitation or exclusion or limitation of liability in these terms and conditions; b) a person/entity who is a permitted successor or assignee under Section 4.3 above of the rights or benefits of these terms and conditions may enforce such rights or benefits and no consent from such person/entity is required for the parties to vary or rescind these terms and conditions. 4.6 No delay or failure by IFG Group to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of IFG Group. 4.7 These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and IFG Group relating to the use of this website and sets forth the entire agreement and understanding between you and IFG Group for your use of this website.