Irish Life Assurance plc
Important legal notice: Please read the following terms and conditions carefully. Access to and use of 'irishlife.ie' is subject to these terms and conditions. If you do not accept these, please do not register for ' irishlife.ie'.
These terms and conditions (referred to as 'on-line terms and conditions') govern your use of 'irishlife.ie'. They operate in conjunction with the contract we have with you regarding your plan(s). That contract is made up of:
- the plan we provide to you;
- the schedule for the plan;
- our plan terms and conditions;
- your application form;
- the detailed fund rules; and
- any extra rules we may add in the future.
- Together these are known as the 'plan terms'. If we need to amend how we provide these irishlife.ie, we can amend the plan terms to the same extent.
Plan terms have the same meaning in these irishlife.ie terms. The following words also have the following meanings:
You may access and use 'irishlife.ie' as soon as you complete the registration process.
Your right to access and use 'irishlife.ie' is personal to you so you cannot transfer it. You must follow the instructions set out on each page of the irishlife.ie website.
You must pay all costs you run up in accessing and using 'irishlife.ie', including any telecommunications and equipment costs.
You can sign up for irishlife.ie at any time. Once you have registered you must give us your chosen User Id (email address) and any other personal security details when asked to do so, and in the form asked for, each time you access or use 'irishlife.ie'.
It is your responsibility:
You will be liable for all access to and use of 'irishlife.ie' made through your chosen User ID, whether or not you authorised the access or use.
You must tell us immediately if you become aware or suspect that someone else knows your User ID and/or any other personal security details, or if you believe they are no longer secret. You should phone us on 01 704 1010.
We may have to suspend access to and use of 'irishlife.ie' through your User ID or other personal security details if we suspect or believe that someone has misused the services or breached security (or is likely to do so). If this happens, we will tell you as soon as reasonably possible by writing to the most up to date record we have of your address.
You understand that:
You agree that you access and use the services, and send or receive e-mail and other communications, at your own risk.
You can choose to make premium payments online using our 'Make a payment online' option. This facility can be used to make one or multiple payments on plans that are displayed in your irishlife.ie.
Payments should not be made using a debit or credit card in the name of a third party; the plan owner and card holder name must be the same.
All payment transactions are made through Realex Payments. We do not retain payment information. Realex Payments process your payment by credit or debit card. For more information on Realex Payments please see www.realexpayments.com.
Irish life will pay any payment processing charges so there are no additional charges for Customers using this facility.
Should you require a refund, or information on a refund, please contact our Customer Service Department on 01 704 1010.
Through 'irishlife.ie' you can see information about the funds and fund values given to the plan. We give this information in line with the qualifications (for example, switch pending) shown on the 'irishlife.ie' website at the time of viewing.
The value of the investments may fall as well as rise. As a result, there is no guarantee that the value shown will be accurate at the time you view it. We provide these values for information purposes only so that you can track the value of the plan. You should not use the values to base any investment decision on.
Through 'irishlife.ie' you can give us instructions on-line for switching some or all of the money invested in a plan from one fund to another. The terms governing switching in the Plan terms also apply to this type of switching in 'irishlife.ie'.
You irrevocably authorize us to act on all switching instructions we receive through 'irishlife.ie' through or under your User ID or any other personal security details without us taking any further steps to check them. Our authority to act will continue until we receive a notice that the plan is being assigned (transferred) or that a trust has been created over the plan.
If you have any questions about transactions related to your plans, you should contact us immediately.
However, for joint-life or dual-life plans, in your application form you may have chosen an option relating to 'alteration authority'. If so, and you chose that only one plan owner or both plan owners have to make alterations, you will not be allowed to switch on-line. You will be able to access the value section. If you choose either plan owner as being able to make alterations, you will have the option to switch on-line.
Also, our authority to act will continue until we receive a notice that the plan is being transferred or that a trust has been created over the plan. You agree to be jointly and severally liable with all other people with whom you jointly own the plan for all liabilities and loss arising from any switching instructions you give under the On-Line Service terms.
You acknowledge that:
When we receive a properly carried-out switch instruction, an automatic receipt confirmation of the switch instruction will be displayed on the screen.
The investment prices we use for your switch will be the next available fund price.
We do not charge for this service currently but we reserve the right to charge for this service in the future.
Once we have carried out the switch, we will send you confirmation by post to the most up to date record of your address on our systems.
Due to the nature of property investments, a notice period may be required if you want to cash in or switch property investments.
We reserve the right to amend at any time the rules governing this service. We reserve the right to withdraw this service in its entirety without prior notice.
We reserve the right to withdraw this service without prior notice and without explanation from particular individuals who we feel are abusing the service - through what we feel is inappropriate or excessive use.
We will keep electronic records of:
If there is a dispute relating to these matters, we will use the records we keep to sort out the dispute. You agree that:
You also agree that you will not object to any electronic records or electronic information being used in any proceedings purely because they are in electronic form or because they may not be the best evidence available of the matters they relate to.
If you fully follow the On-Line Service terms and the limits of liability and exclusions of warranties set out below, we will accept liability for not carrying out a switching instruction or for carrying it out incorrectly. However, in this case our liability will be limited to reinstating your holding in each fund to reflect the switching instruction.
You agree that we will not be liable for any of the following matters or for any of the following types of loss:
We will use reasonable skill and care in operating 'irishlife.ie'. However, we do not make any other warranties to you concerning 'irishlife.ie'. Also, we only cover what we say in these terms and conditions, unless the law says otherwise.
You agree to indemnify us from any loss or damage any person suffers as a result of you breaching these On-Line Service terms.
We may terminate (end) your right to access and use 'irishlife.ie' immediately without giving you notice if you breach any of the On-Line Service terms. Also, we may terminate your right to access and use 'irishlife.ie' if:
The information, content, graphics, text, sounds, images, buttons, trademarks, trade names and logos (the 'materials') on the 'irishlife.ie' website are protected by copyright and other intellectual property laws under national laws and international treaties. You are granted a limited license only for your own personal, non-commercial use to:
However, all copyright, trademark and other proprietary notices must be left intact. Any other use of the materials in the 'irishlife.ie' website without our written permission beforehand is strictly prohibited and breaks our proprietary rights.
'irishlife.ie' is one of our trademarks. All other trademarks, service marks, trade names and logos on this On-Line Service website belong to their owners.
In signing these On-Line Service terms, you acknowledge that we are not giving or offering to give investment advice through the 'irishlife.ie' website or our overall On-Line
Service. You should not rely on any content or information you receive on or through the 'irishlife.ie' website or On-Line Service for important personal, financial or business decisions. As a result, you should consult an appropriate professional for advice which is specifically tailored to your particular circumstances. Nothing in the 'irishlife.ie' website is, or should be treated as, advice or an invitation to invest or otherwise deal in shares or other securities. We believe that any content and information we receive through the 'irishlife.ie' website is supplied by sources who are reliable.
However, calculations made using this information, and opinions on that information, are not guaranteed by these sources, us or any other person or organisation and may not be complete.
We and our associated companies follow current data protection legislation and respect your right to privacy.
By agreeing to these On-Line Service terms, filling in the registration instructions and accessing or using 'irishlife.ie', you will be providing us with personal information. We will use this information in connection with running 'irishlife.ie', for verification purposes and statistical analysis. We may occasionally email users about our products and services where explicit permission has previously been given. Users can unsubscribe from these communications at any time. We do not sell or share mailing lists with other companies.
These On-Line Service terms and the plan terms are the entire agreement between us relating to 'irishlife.ie'. We may alter these On-Line Service terms from time to time. Any alterations will come into force once we have given you notice about them. We may give you notice of alterations by post, e-mail or start-up screens in the 'irishlife.ie' website.
If any part of these On-Line Service terms or the plan terms is held by any court to be invalid or unenforceable in whole or in part, the rest of this agreement will still be in force.
If we decide not to take action against you because you have breached or not fully followed any part of the On-Line Service terms or the plan terms, we can still take action against you in the future for the same or any other offence.
Irish law applies to these irishlife.ie terms and the Irish courts are the only ones that have jurisdiction over any claims or disputes arising out of or in connection with the irishlife.ie terms or the 'irishlife.ie'.