Terms and conditions of use

Website terms and conditions

Website usage

By using this website you confirm that you accept the following terms and conditions and agree to comply with them. We recommend that you read these terms before starting to use our website as they will apply to your use of our website. If you do not agree to these terms of use, please do not continue to use the closebrotherspf.ie websites.

Information about us and regulatory information

The website is operated by Close Brothers Limited on behalf of its subsidiary Close Brothers Premium DAC. Close Brothers Premium DAC is a wholly–owned subsidiary of Close Brothers Limited. Close Brothers Premium DAC is incorporated in Ireland with registered number 636151, trading as Close Brothers Premium Finance Ireland and has its registered address at Swift Square, Building 1, Santry Demesne, Northwood, Dublin 9 D09 A0E4. Close Brothers Premium DAC is regulated by the Central Bank of Ireland.

Close Brothers Limited is a limited company registered in England with a registered office address at 10 Crown Place, London, EC2A 4FT and company number 195626. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our website:

Our Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you confirm that all data provided by you is accurate.
Our Cookie Policy sets out information about the cookies on our website.
Our Accessibility Policy sets out details about how you can access all the information on our website regardless of technology or ability.

Access to our website

We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period. From time to time, access to some parts of the website, or the entire website, may be restricted to registered users and further terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.

You are responsible for making all arrangements necessary for you to have access to our website.

You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

No reliance on information

The content, documents and materials (together "Materials") provided on this website are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, user satisfaction, and non-infringement. We specifically do not make any warranties or representations as to the accuracy or completeness of any such Materials. We periodically may add, change, improve or update the Materials on this website without notice.

The Materials on this website are for information purposes only and not intended to amount to any advice you can rely on. Any reliance you do place on any opinions, advice, statements, or other information shall be at your own risk and we recommend you obtain specialist advice before taking or refraining from any action on the basis of the content of our website.

Limitation of Liability

Use of this website is at your sole risk and under no circumstances, including, but not limited to, negligence, shall we or our affiliates be liable for any loss, liability or expense or any direct, indirect, incidental, special or consequential loss or damages, even if we have been advised of the possibility of such damages arising, including any loss of profit, loss of business, business interruption or loss of business opportunity .arising out of, or resulting from your use of or inability to use this website, including without limitation, which arises from any fault, error, omission, interruption or delay; the use of any content or other information or material on the website or any website or websites linked to the website; (c) unauthorised access to or alteration of your transmissions or data; (d) statements or conduct of any third party on the website; or (e) any other matter relating to the website. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

Without prejudice to the generality of the foregoing, neither we, nor are affiliates, or any respective agents, employees, information providers or content providers shall be liable to you for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or any damages arising as a result of your use or inability to use the website.

As a condition of use of this website, you agrees to indemnify us and our affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable legal fees) arising out of your breach of our (or a third party’s) intellectual property rights or arising as a result of you posting any defamatory, libellous, misleading or unlawful content on the website or your supply of information to a third party provided in breach of any of your obligations under these terms.

Disclaimer

Unless expressly stated otherwise, the findings interpretations and conclusions expressed in the Materials in this website are those of the various authors of the work and are not necessarily those of the Close Brothers Group Plc's Boards of Executive Directors or the businesses they represent.

Nothing in this website or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendations. We are not registered under the U.S. Investment Advisers Act of 1940 and nothing in this website, or Materials, constitutes an offer of or an invitation by or on behalf of us to purchase or sell any shares or securities nor should it be considered as investment advice.

Unless otherwise stated, the services and products on this website are intended for use by residents of Ireland only, and are not aimed at or intended for use by residents of any other jurisdictions.

Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in Ireland only.

This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the website through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain website pages to read "Terms and Conditions". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant website pages.

Linking to the website

You may link to any page on the website, provided that you do so in a way that is fair and legal and does not damage our or our affiliates reputation or take advantage of it. 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.

Our website must not be framed, surrounded, obfuscated, or bordered on any other website, nor may you link to, simulate or reference parts of the website in such a way as to replicate the website or the benefit of visiting it.

Intellectual property

We are the owner or the licensee of all the intellectual property rights in the website, and in the Materials published on the website (including the compilation, collection, arrangement and assembly thereof (including the look and feel of the website).. These works are protected by copyright laws and treaties around the world. All such rights are reserved.

Subject to the terms outlined in these terms of use and any additional restrictions set out in relation to specific Material within this website, we grant you a non-exclusive, non-transferable, limited right to access and use the website and the Materials. However, no right, title or interest in any such Materials will be granted or transferred to you as a result of any permitted use of such Materials. You may download and print off one copy of the Materials from the website for your personal, non-commercial use, without any right to resell, redistribute or create derivative works from it. You may not modify the paper or digital copies that you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or any graphics separately from any accompanying text. You must not use any part of the content on our website for commercial purposes without obtaining a license to do so from us or our licensors.

Save as expressly set out in these terms, no intellectual property rights of any kind are assigned, licensed or transferred to you.

Links to third-party websites

This website contains links to third-party websites. The linked websites are not under our control and we are not responsible for the contents of any linked website or any link contained in a linked website. We provide these links for your information only and the inclusion of a link does not imply endorsement of the linked website by us. It is your responsibility to read and comply with any relevant notices, policies and terms imposed by third parties whose website, products or services you access through the website.

Use of forums and acceptable use of website

It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of this website. In general, we will not tolerate any use of the website which damages or is likely to damage our reputation, the availability or integrity of the website or which causes us or threatens to cause us to incur any legal, tax, regulatory or other liability. We therefore request you to treat our website with respect, and not to use the website for any illegal purpose, or in such a way as to infringe or breach other's rights or to cause or threaten to cause us damage.

You agree not to use the website or cause or permit the website to be used:

to jeopardise or prejudice the operation, quality or integrity of the site, or the operation, quality or integrity of any telecommunications network;
to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
to attack the website via a denial-of-service attack; or
contrary to the terms and conditions of any Internet Service Provider you may use.

In relation to any bulletin boards, chat rooms, discussion groups, access to mailing lists or other message or communication facilities included in the website (collectively, "Forums"), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:

Breach any applicable local, national or international law or regulation.
Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
Distribute, upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights in it or have received all necessary consents in advance.
Upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
Falsify the origin or source of software or other material that is uploaded.
Advertise or offer to sell any goods or services, or conduct or forward surveys, contests, or chain letters.
Download any file posted by another user of a Forum that you know, or should reasonably know, cannot be legally distributed in such manner.

You acknowledge that all Forums are public and not private communications. Further, you acknowledge that material in Forums created by other users is not endorsed by us, and such communications shall not be considered reviewed, screened, or approved by us. We reserve the right for any reason to remove without notice, any contents of the Forums, including without limitation e-mail and bulletin board postings. You agree that we may use, copy, publish and adapt any material posted to the Forums by you as we may reasonably require.

Applicable law and jurisdiction

These terms of use, its subject matter and its formation will be interpreted and enforced in accordance with the laws of England and any action to enforce these terms of use shall be brought in the courts of England. This clause shall not prejudice the application of any laws enabling a consumer resident in Ireland to rely on Irish laws with mandatory application or to take or defend any action in Ireland.

Changes to our website

We may update our website and revise these terms of use at any time for security, legal, best practice or regulatory reasons by amending this page.

We recommend that you check this page from time to time to take notice of any changes we have made, as they will be binding on you.

We do not guarantee that our website, or any content on it, will be free from errors or omissions.

Severability

If any of these terms of use are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of the country in which these terms of use are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms of use and the remaining terms shall survive and continue to be binding and enforceable.

Conflict of interest

Close Brothers Premium DAC, Close Brothers Limited and its subsidiaries, together with all their employees, agency workers and contractors, adhere to the Close Brothers Group Plc Conflict of Interest Policy. The Group has arrangements in place to identify and manage any conflicts of interest and prevent them from recurring. Where it is not possible to ensure there is no risk of damage to our customer’s interests, we shall disclose any possible conflict to the customer before undertaking business on their behalf.

Disability Act 2005

We are committed to eliminate on the grounds of disability any discrimination in the work place and making all reasonable and practical adjustments to meet the needs of staff, prospective staff, customers and prospective customers equally.

Our Running Account Credit Agreement (RACA) is available on Audio and in Braille. To request these, to seek assistance on any other matters pertaining to the Disability Act 2005 or with any other accessibility queries please contact marketingpf@closebrothers.com or 01 862 2560.

Complaints

Full details of our complaints procedure can be found on the Complaints page.

General

We reserve our exclusive right in our sole discretion to alter, limit or discontinue the website or any Materials in any respect. We reserve the right to deny in our sole discretion any user access to this website or any portion of it without notice. Any misuse of the website shall be reported to the relevant enforcement or other authorities and to our legal advisers. We further reserve the right to disclose any evidence we have which relates directly or indirectly to misuse of this website.