Legal Statement
Legal Statement / Terms and Conditions of use of Bank of Ireland Group Web Site
TERMS AND CONDITIONS OF USE OF THE WEBSITE
This Website is intended for United Kingdom residents only. NIIB Group Ltd subscribes to the Lending Standards Board Lending Code, copies of which are available on request
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.
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 Group" - means Bank of Ireland, its subsidiaries and associates;
“NIIB” means NIIB Group Limited
"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 (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 obtaining 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;
“Website” means this website
Governing Law and Jurisdiction
This Website is governed by the laws of the country of the United Kingdom within which you reside
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.
Complaints Procedure
If you have a complaint about our service, please tell us. We want to put things right – first time. With the help of your comments we can improve our services. There are three steps to follow when you make a complaint.
Step 1
Speak or write to the person or department that has given you the service
you want to complain about. We can usually resolve your complaint straight
away. If we cannot, we will tell you how long it will be before we can give
you an answer.
Step 2
If you are still not happy, speak or write to our Head Office in Belfast.
Our telephone number is 0844-8921848. Our lines are open from 9.00 am to
5.00 pm Monday to Friday. We will take the details of your complaint, and
pass it to the right person, who will contact you within two working days.
If you want to put your complaint in writing, please address it to:
Complaints Department
NIIB Group Ltd
Bank of Ireland
1 Donegall Square South
Belfast
BT1 5LR
When we receive your complaint we will reply to you within five working days. We will always deal with your complaint as quickly as we can and we aim to resolve it within 15 working days. However, in some cases it may take us a little longer. If this is the case we will keep you updated by sending you a further letter, advising you of the current status of your complaint, within four weeks of receiving it. If we have not been able to deal with your complaint within eight weeks of receiving it we will write to you and explain the stage we have reached and what we plan to do next. If at this stage you are not happy with the progress we have made you have the option of referring your complaint to the Financial Ombudsman Service.
Step 3
If you have a complaint that NIIB Group Ltd does not resolve to your satisfaction,
the Financial Ombudsman Service may be of assistance. They can help resolve
disputes between financial institutions and their customers. They are entirely
independent, and the service is free of charge to consumers. Ask us for a
leaflet, or contact the Financial Ombudsman Service for details at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0845 080 1800
email: enquiries@financial–ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
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.
Prohibited use of Website
The information on this Website is intended for use by residents of the United Kingdom only. If you have any doubts about the legality of your using this Website, you should not continue any further.
Not an offer or solicitation
The information contained on this Website is not intended to nor does it constitute an offer or solicitation of financial or banking services by us or any of us. Residents of the United Kingdom only are invited to apply for the products listed. These products and services are provided subject to separate specific terms and conditions which should be carefully read.
Amendments
The contents of this Website, including these Terms and Conditions of Use, any information contained on this Website and our Privacy Policy are subject to change and to being updated without notice from time to time.
Hypertext links
This Website contains hypertext links to websites maintained by members of the Bank of Ireland Group other than NIIB. You are reminded that different terms and conditions of use may apply to you as a user of such websites.
No third party is permitted to create a link from another website to this Website without our prior written consent.
Security
The Bank of Ireland Group 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.
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 and the requested service is a loan application, a request for a telephone call from a sales advisor or other product information.
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.
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.
General disclaimer of liability
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 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.
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.
Right of NIIB 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 NIIB.
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.
General
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 of the country of the United Kingdom within which you reside
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.