LIFE INSURANCE IRELAND TERMS
WEBSITE TERMS OF USE
These terms (and any documents referred to herein) set out the terms on which you may make use of the website domain name www.lifeinsuranceireland.ie (the “Website”).
Please read these terms carefully prior to use of the Website. By using the Website, you confirm your acceptance of these terms. If you do not agree to these terms, you should exit the Website immediately and refrain from using it.
The information contained in this website is for general information purposes only. This is provided by Life Insurance Ireland and while we endeavour to keep the information up to date and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Through use of this website you are able to connect with qualified financial advisors who are not under the control of Life Insurance Ireland. Whilst we always endeavour to only connect users with suitable providers we have no control over these advisors, their businesses, operations or suitability and the transfer of your details to these third parties does not necessarily imply a recommendation or endorsement.
Every effort is made to keep the website up and running smoothly. However, Life Insurance Ireland takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
- INFORMATION ABOUT US
1.1 Life Insurance Ireland is a trading style of Financial Claims Specialists Limited. We are a company registered in the Republic of Ireland. Our company registration number is 482122.
1.2 Our registered office is 27 Cork Road, Middleton, Co Cork, Ireland.
1.3 You can contact us via email at: social@lifeinsuranceireland.ie
2. TERMS OF USE
2.1 This Website is owned and operated as a marketing platform which connects users with qualified and regulated financial advisors in Ireland. We promote a free no obligation quotation service to users and transfer quotation requests completed on our website to qualified advisors who will communicate directly with the users to discuss their services and the users quotation requirements. Upon receipt of completed quotation requests the qualified advisers will look to compare suitable providers and obtain quotations for the users requirements and any terms received will be presented via email or phone using the details provided by the user in the quotation form. We make no representations that materials in the Website are appropriate or available for use in other jurisdictions. Those who choose to access the Website from other jurisdictions do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable.
2.2 In the event that you breach these terms, your permission to use the Website terminates immediately and you must immediately destroy any downloaded or printed extracts from the Website.
2.3 You are permitted to print off one copy of the website text and may download extracts of the content on the Website for your own personal use, and may draw to the attention of others within your organisation to material posted on the Website, provided that:
2.3.1 Our status (and that of any identified contributors) as authors of material on the Website is always acknowledged;
2.3.2 No documents or related graphics on the Website are modified in any way, this includes the removal of any copyright or other proprietary notices contained in the Website;
2.3.3 No graphics on the Website are used separately from the corresponding text;
2.3.4 You do not use any part of the content on the Website for commercial purposes without our prior written consent;
2.3.5 Any information on the Website which is marked as being confidential is treated as such and is not disclosed to any third party; and
- You agree that you will not use any part of the Website to:
a) Commit or encourage any criminal offence;
b) Send or receive any material which is offensive, or which may be abusive, indecent, obscene or menacing, or in breach of confidence, copyright, privacy or any other rights.
c) Collect or store personal data about other users;
d) Insert or knowingly or recklessly transmit or distribute a virus, worm, Trojan horses, time bombs, trap doors or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of the Website;
e) Upload, post, email or otherwise transmit or post links to any content that facilitates hacking;
f) Hack into any aspect of the Website;
g) Upload, post, email or otherwise transmit links to any content that infringes the rights of any third party;
h) Circumvent, or attempt to seek to circumvent, any of the security safeguards of the Website;
i) Cause annoyance to other people accessing the Website;
j) Post any personal information regarding the employees of your company or other individuals;
k) Send any unsolicited advertising or other promotional material, commonly referred to as “spam”, “junk mail”, “chain letter”, “pyramid schemes” or any other form of solicitation by email or by any other electronic means;
l) Send email or any other type of electronic message with the intention or result of affecting the performance or functionality of any computer facilities; or
m) Permit any third party to do any of the above.
n) In the event we believe any material falls within any or all of these categories we shall be entitled to remove it without notice;
2.3.7 Any rights not expressly granted in these terms are reserved.
3. DISCLAIMER
3.1 Nothing in these terms of use shall limit or exclude our liability for death or personal injury arising as a result of our negligence, or for fraud or fraudulent misrepresentation.
3.2 The content made available on the Website is intended for general information purposes only and is provided on an “as is” basis. It is not intended to, and does not constitute a comprehensive review of the insurance industry, regulations and applicable law. It does not constitute advice or the making of any recommendation and the content on the Website should not be relied upon as the basis for any decision or action.
3.3 You must not use the information made available on the Website in place of insurance, legal or financial advice, nor must you delay seeking advice or representation because of content on the Website. All advice should only be sought from a suitably qualified financial advisor, insurance specialist or solicitor based on your specific circumstances.
3.4 We exclude to the fullest extent permitted by law any and all liability for any direct, indirect or consequential loss or damage arising as a result of the access to and use of the Website or reliance on the content contained on it.
3.5 We aim to ensure the Website is updated regularly. However, we are under no obligation to update the material contained on the Website and cannot guarantee that content will always be completely up to date. For this reason, we make no warranties or representations and do not give any undertaking either express or implied about any of the content on the Website, including without limitation, the accuracy, completeness or fitness for purpose of such content or that your use of the Website will not infringe the rights of third parties or for any alleged or actual infringement of third party rights.
3.6 The use of information obtained from the Website is at your sole discretion and risk.
3.7 We take reasonable precautions to prevent viruses and malicious code on the Website, but you are responsible for ensuring that anything downloaded from the Website is suitable for use on your computer and is free from viruses and malicious code and we exclude to the fullest extent permitted by law any and all liability that may arise in connection with or as a result of any failure to do so.
3.8 We do not represent, warrant or undertake that the use of the Website will be uninterrupted or error free.
3.9 Any transmission, downloading or sending of any information from the Website does not create any contractual relationship.
3.10 You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms, and that they comply with them.
3.11 Use of this website is not intended to create a professional or business relationship. The content of pages on this website does not constitute insurance, legal or other professional advice and is for general information purposes only. No formal relationship between an insurance advisor and a client is created until instructions have been accepted by a written acknowledgement from the insurance advisor or provider. For the avoidance of doubt, neither the submission nor confirmation of submission of an online quotation form constitutes such an acknowledgement.
4 THIRD PARTY WEBSITES
4.1 Links to third party websites on the Website are provided solely for your convenience and service. If you choose to use a hypertext link then you may leave the Website. Once you leave the Website, whether or not you realise that you are leaving, we are no longer in any way responsible for the material on the other site that you enter. We do not endorse or make any representations about these third-party sites or any material found there. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of damage caused by such external website material including without limitation any damage, costs, injury or financial loss.
4.2 You may link to the home page of the Website only after receiving written approval from our company and provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
4.3 You must not establish a link to the Website from any website that is not owned by you.
4.4 The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page, unless otherwise expressly agreed. No links are permitted which suggest any form of association, approval or endorsement by Life Insurance Ireland without our prior written consent. We reserve the right to withdraw linking permission without notice.
4.5*Hypertext links are a means by which visitors can skip from one website to another or from one page to another within the same site. ** Deep links are like hypertext links but take the visitors into the website bypassing the home page on the third party website.
5. INTELLECTUAL PROPERTY RIGHTS
The Website is operated as a marketing platform and any and all intellectual property rights in the Website including, but not limited to, copyright and database rights and any logos or trademarks (whether registered or unregistered) are, unless otherwise stated, owned by and remain the property of Life Insurance Ireland (or its third party licensors/suppliers as applicable) at all times.
6. GENERAL
6.1 These terms shall be governed by and construed in accordance with Irish law and shall be subject to the exclusive jurisdiction of the Irish courts.
6.2 We reserve the right to change any part of the Website or these terms at any time without notice.
6.3 We may vary these terms from time to time. If we make substantial changes, we will notify you by posting a prominent announcement on the Website.
7. USE OF YOUR INFORMATION
Life Insurance Ireland will comply with obligations under GDPR and the Data Protection Acts 1988 and 2003 as amended from time to time.
You consent to Life Insurance Ireland passing on your personal details to qualified and regulated insurance advisors in order for them to conduct a free no obligation review of your insurance requirements as per your quotation request as part of the Services.
If you wish to enquire as to what personal information Life Insurance Ireland hold about you, you may request same. If it transpires that the information held is inaccurate, Life Insurance Ireland will make the necessary amendments and confirm to you that these have been made.
To obtain a copy of the personal information held by Life Insurance Ireland, please contact us:
Email: social@lifeinsuranceireland.ie
Life Insurance Ireland may send you updates and information in relation to our products and services, and/or other companies’ products and services. You have the right to ask Life Insurance Ireland not to use your information for such purposes and you can exercise your right to prevent this by contacting us by email at social@lifeinsuranceireland.ie.
8. NO WARRANTIES
This Website is provided “as is,” with all faults, and Life Insurance Ireland makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Website. Additionally, nothing contained on this Website shall be construed as providing consulting, insurance, legal or financial advice to you.
9. LIMITATION OF LIABILITY
Nothing in these Conditions excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation or any other liability that cannot be restricted by law.
Subject to the paragraph above, our total liability along with the advisors nominated by the Company as part of these services shall be limited to any charges paid by you for using our services. As we offer a free no obligation service our liability to you in this regard is nil which you accept and agree to.
You acknowledge that we are simply a marketing platform connecting you with qualified and regulated financial advisors as per the services. Whilst we shall endeavour to only introduce your details to suitable and qualified financial advisors we cannot and do not make any representations of their business and services or that they will have the ability to provide you with cheaper or more suitable services as per your requirements.
You acknowledge that by completing our free quotation form is not the acceptance of any business, advisory, financial or insurance relationship and shall not be construed as the provision of insurance, financial or legal advice.
You acknowledge that information which Life Insurance Ireland collect from you is for the purposes of providing the marketing services and does not constitute investment, mortgage, legal or insurance advice.
In no event shall Life Insurance Ireland, nor any of its officers, directors, and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and Life Insurance Ireland, including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
We will not be liable to you for any direct or indirect losses, damages or costs or expenses incurred or suffered by you as a result of or in connection with any service that we provide to you hereunder unless directly caused by or attributable to our negligence, wilful deceit or fraud (or that of our directors, officers or employees). By signing this Letter and our enclosed Terms of Business, you also undertake to indemnify Finance Claims against any and all costs and losses which may incur as a result of using the Services.
10. INDEMNIFICATION
You hereby indemnify to the fullest extent Life Insurance Ireland from and against any and all liabilities, costs, demands, causes of action, damages and expenses (including reasonable solicitors fees) arising out of or in any way related to your use of this website or breach of any of the provisions of these Terms.
11. SEVERABILITY
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.
12. VARIATION OF TERMS
Life Insurance Ireland is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing use of this Website.
13. ASSIGNMENT
Life Insurance Ireland shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
14. ENTIRE AGREEMENT
These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between Life Insurance Ireland and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.
15. GENERAL
Life Insurance Ireland shall not be liable for failure to comply with our obligations under the website terms of use due to an event which is beyond our reasonable control and we will endeavour to provide the Services within a reasonable period of time.
The Company may transfer any of its rights or obligations under the website terms, without your written consent and to the extent of any such transfer, references to “We/The Company/Our” in the terms shall be deemed to include any person to whom the Company transfers any of its rights or obligations.
Any notice to be given under the Contract by either party to the other must be in writing and be served by post to
These Conditions (and any non-contractual matters arising under them) are governed by Irish law and the parties agree to submit to the non-exclusive jurisdiction of the Irish courts.