Terms of use of www.phoenixireland.ie ("Website")

BY CONTINUING TO ACCESS THIS WEB SITE YOU ACCEPT THE FOLLOWING TERMS AND CONDITIONS ("TERMS OF USE"). IF YOU DO NOT ACCEPT THESE TERMS OF USE PLEASE EXIT THIS WEB SITE IMMEDIATELY.

This website is operated by Phoenix and Phoenix Ireland are trading names used by Scottish Mutual International Limited and Phoenix Life Limited. Scottish Mutual International Limited is registered in Ireland No. 242244.  Registered Office: 25-28 North Wall Quay Dublin 1, Ireland.  Phoenix Life Limited is registered in England No. 1016269.  Registered Office: 1 Wythall Green Way, Wythall, Birmingham B47 6WG United Kingdom.  Irish branch registered No. 906073.  An up-to-date list of company directors, containing the particulars indicated in paragraphs (a), (b) and (c) of section 196(1) of the Companies Act 1963, is available on application from each company’s registered office.  Scottish Mutual International Limited is regulated by the Central Bank of Ireland and Phoenix Life Limited is regulated in the United Kingdom by the Financial Services Authority.

An up-to-date list of company directors, containing the particulars indicated in paragraphs (a), (b) and (c) of section 196(1) of the Companies Act 1963, is available on application from each company’s registered office. 
Scottish Mutual International Limited is regulated by the Central Bank of Ireland and Phoenix Life Limited is regulated in the United Kingdom by the Financial Services Authority.


TERMS AND CONDITIONS OF USE

Please read the following Terms & Conditions carefully. Access to and use of the Phoenix Ireland website is subject to these Terms & Conditions. If you do not accept such, you should not use this website.

This website is for information purposes only and is not an invitation to purchase nor an offer to sell an investment or policy on the basis of information given here or anywhere else. The information is necessarily general and investors and their advisers must refer to Phoenix Ireland's formal literature and contract conditions. You should ensure that if you use any information obtained from this website it is tailored to meet your specific circumstances. Phoenix Ireland cannot be responsible for any action arising from the use or otherwise of information provided and makes no warranty as to the appropriateness of the information supplied to meet any particular case.


LAW

It is the responsibility of all policyholders and their advisers to inform themselves of all applicable laws and regulations of the jurisdiction of residence, citizenship, domicile, sale etc. Independent legal advice on the issues to be considered must be sought.

This website is established in Ireland , is intended solely for residents of Ireland , and is subject to the laws of Ireland . In the event of any dispute all parties shall be bound exclusively by the jurisdiction of the Irish courts.

"Intellectual Property Rights" means any patents, copyright, database rights, design rights, registered designs, trade marks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world.

All intellectual property rights on this site are owned by or licensed to Scottish Mutual International and Phoenix Ireland, and may not be reproduced or copied except as set out below.


EXCLUSION OF LIABILITY

The information and opinions contained within this site have been compiled in good faith but no representation or warranty, either express or implied, is made as to their accuracy, completeness or correctness. The information and opinions are provided as guidance only and should not be relied upon as authoritative or definitive. They should not be taken into account in the exercise of any judgement, or provide the basis of any credit or other evaluation, or be taken as a recommendation of the products and services referred to within this site. It is a condition of Phoenix Ireland allowing you access to the material on this site that you accept that no member of Phoenix Group Holdings and no director, employee or other person working for a member of Phoenix Group Holdings will be liable for any loss of whatever nature arising from the use of, or action you may take in reliance on, the information or opinions contained within this site.


DISCLAIMERS

1. Phoenix Ireland may suspend or withdraw access to the pages of this website without notice at any time and accepts no responsibility for the non-availability of web pages. Phoenix Ireland accepts no responsibility for the availability nor the accuracy of any site accessible by hyperlinks from the pages of its website, which you will then have left.

2. The information given in this website is based on Phoenix Ireland’s present understanding of current law and regulations and may therefore be subject to change without notice.

3. Please note that there is no guarantee that an email sent will be received by Phoenix Ireland or that its contents will remain private and complete during transmission.

4. Any downloadable software is provided by Phoenix Ireland at your own risk. No responsibility is accepted for problems that may arise with computers receiving such software. You should seek professional advice if you are unsure how to protect your computer.

5. Your use of this website is at your sole risk. The service is provided on an 'as is' and 'as available' basis. We expressly disclaim all warranties of any kind, whether express or implied including but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

You are advised to safeguard important data, to use caution and to not rely in any way on the correct functioning or performance of this service.

Copyright in the design and content of this website belongs to Phoenix Ireland (or those persons who have licensed use or certain features/parts to Phoenix Ireland).

The copying or incorporation into any other work of part or all of this website is prohibited unless it is done for your personal non-commercial home use or it is done with the express prior written consent of the relevant copyright owner according to the terms of such consent.


DATA PROTECTION

Phoenix Ireland will hold any information provided by you to us electronically or otherwise and will use it to furnish you with information you request from us. This information will only be disclosed to third parties in accordance with Data Protection legislation.

REGULATORY INFORMATION

Scottish Mutual International Limited is regulated by the Central Bank of Ireland and Phoenix Life Limited is regulated in the United Kingdom by the Financial Services Authority. Both of these are members of the Phoenix Group of companies.

CHANGES

We will update the content of this notice from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date. This page was last updated on 21 October 2010.

The EU has implemented new legislation which requires a user of a website to consent to cookies being installed on their computer. Eire has implemented this EU law as at 25th May 2011.

A cookie is an element of data that a website can send to your browser, which may then store it on your system. Cookies allow us to understand who has visited which pages, to determine how frequently particular pages are visited and to determine the most popular areas of our Website. If you wish, you can usually adjust your browser so that your computer does not accept cookies. If you do this, you may not be able to access certain areas of the Website. Alternatively you can adjust your browser to tell you when a Website tries to put a cookie on your computer.

How you adjust your browser to erase cookies, stop it accepting cookies or to notify you of them will depend on the type of Internet browser programme your computer uses. Please refer to your browser instructions or help screen to learn more about these functions. To read more about Cookies, and how to remove them from your browser, please visit www.allaboutcookies.org. Please note this website is not written by or connected in any way to the Phoenix Group.

We would like to make you aware that this website does not currently use any type of cookies.

If you believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved please contact info@pglireland.net or call (01) 639 9859.