T&Cs

Terms & Conditions

IRISH BANKING CULTURE BOARD WEBSITE TERMS AND CONDITIONS

You should read these terms and conditions carefully before using this website (the Site). By accessing or using the Site, you agree to be bound by these terms and conditions and our Privacy Policy. If you do not agree with or accept any of these terms and conditions, you should cease using the Site immediately.

Please note that no sale of products or services takes place on this Site.

General
The Irish Banking Culture Board establishment office is an initiative of the banking industry and funded by the five retail banks in Ireland (Allied Irish Bank, Bank of Ireland, KBC Bank, Permanent TSB and Ulster Bank). The Board will be an independent entity led by an independent, non-banking Chairperson. The purpose, structure and initial terms of reference (ways of working) of the Board will be shaped by a comprehensive consultation, involving banking and non-banking stakeholders and including the general public.

Availability and conditions of use
The Site is made available to you by us. While we make every effort to ensure that the Site is available, we do not represent, warrant or guarantee in any way the Site’s continued availability at all times or uninterrupted use by you of the Site. We reserve the right to suspend or cease the operation of the Site from time to time at our sole discretion.

As a condition of your use of the Site, you agree:
– not to use the Site for any purpose that is unlawful under applicable law or prohibited by these terms and conditions;
– not to submit to the Site any comments, ideas, responses, links or other materials (‘Content’) that are defamatory, disparaging, obscene, derogatory, infringing, threatening or offensive; and
– to be responsible for ensuring that your use of the Site is consistent with all applicable laws and regulations.

You are entirely responsible for any Content you submit to the Site. By making Content available via the Site, you represent and warrant that:
– our use of the Content will not infringe the rights of any third party;
– the Content does not contain any viruses, worms, malware, Trojan horses or other harmful or destructive content or malicious software (or links to malicious software).

You grant to us a worldwide, royalty-free, perpetual, irrevocable, sublicensable and transferable licence to collect, use, modify, reproduce, distribute, display, communicate and publish your Content.

We reserve the right to prevent or suspend your access to the Site if you do not comply with any part of these terms and conditions or any applicable law.

Ownership, use and intellectual property rights
The Site and all content within the Site is owned and operated by us and/or our licensors. We and our licensors reserve all rights in relation to the Site. We are entitled to notify our licensors of your use of this Site and, in the event of any breach by you of their rights, you are notified of their right to take appropriate action.

You may not use this Site to engage in activities which infringe the intellectual property rights or other rights of us and/or our licensors or in any way so to compromise the privacy of others, to impersonate another person or for purposes which are immoral, illegal or destroy the integrity of any data or other computer based information which would violate any applicable laws.

The Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, revise, perform, reproduce, publish, license, deep-link, create derivative works from, transfer, or sell any information or content obtained from the Site unless expressly authorised by us. Any intellectual property rights (including without limitation all patents, copyright, database rights and trademarks (whether registered or unregistered)) subsisting in any content or material on the Site (other than your Content) belong to us and/or our licensors. All rights are reserved for the benefit of ourselves and/or our licensors. Nothing in these terms and conditions grants you any rights in the Site or the content within the Site.

Disclaimers
While we use reasonable efforts to include accurate and up-to-date information on the Site, we do not represent, warrant or promise (whether express or implied) that any information is or remains accurate, complete and up to date, or fit or suitable for any purpose. Any reliance you place on the information on the Site is at your own risk. Nothing in these terms and conditions shall operate to prejudice any mandatory statutory requirement or your statutory rights.

The content on the Site is provided for your general information purposes only and to inform you about us and our news, research, initiatives and the IBCB programme of work. It does not constitute technical, financial, or legal advice or any other type of advice and should not be relied on for any purposes.

While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential.

Cookies and other information-gathering technologies
The Site uses cookies. Cookies are text files placed on your computer or mobile device to collect standard Internet log information and visitor behaviour information. These cookies allow us to distinguish you from other users of the Site which helps us to provide you with a good experience when you browse our Site and also allows us to improve our site.
The Site does not use any 3rd party cookies.
For more information on which cookies we use and how we use them, see our Cookie Policy.

Cookie Policy

www.irishbankingcultureboard.ie uses cookies only for functionality that is strictly necessary for services that are explicitly requested by the user for their session as per Regulation 5(5), SI 336 of 2011 (the ePrivacy Regulations). This website uses session cookies. Session cookies are used to deliver the basic functions of a website i.e. to allow pages to remember technical changes or selections you may make between pages. Session cookies are temporary cookies and are generally erased when you close your browser.

Hyperlinks and third party sites
The Site may contain hyperlinks or references to external third party websites. Any such hyperlinks or reference is provided for your convenience only. We have no control over third party websites and accept no responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not constitute an endorsement of such third party’s website, products or services. Your use of a third party site will be governed by the terms and conditions (including privacy policy) of that third party site.

Warranties and limitation of liability
You agree that your use of the Site is on an ‘as is’ and ‘as available’ basis. Consequently, we make no representations, warranties, conditions or other terms (whether express or implied) in relation to the provision of the Site, including without limitation as to completeness, accuracy and currency or any content and information on the Site, or as to satisfactory quality, or fitness for particular purpose.

To the maximum extent permitted by applicable law, we exclude all liability (whether arising in contract, tort, breach of statutory duty or otherwise) which we may otherwise have to you as a result of, but not limited to:

– any error or inaccuracies in any information or material within or relating to the Site;
– the unavailability of the Site for whatsoever reason; and
– any representation or statement made on the Site.

Under no circumstances shall we be liable to you for any loss or damage suffered (including without limitation direct or indirect losses) arising from your use of, or reliance on, the Site (including any content).

We do not exclude or limit our liability for death or personal injury arising from our negligence, for any fraudulent misrepresentation made by us on the Site or for any other statutory rights which are not capable of being excluded.

Indemnity
If you are in breach of any of these terms and conditions, you agree to indemnify us and as such you will have to pay us any costs, expenses, claims, in respect of any proceedings, actions, losses, damages or liabilities incurred by us in relation to or arising from such a breach.

General
We reserve the right to vary these terms and conditions from time to time without notifying you. By continuing to use and access the Site you agree to be bound by any variation made by us. It is your responsibility to check these terms and conditions from time to time to verify such variations.

These terms and conditions contain the entire understanding and agreement between us and you in relation to your use of the Site and supersedes and replaces any representation, statement or other communication (whether written or otherwise) made by you or us which is not contained herein.

Should any part of these terms and conditions for any reason be declared invalid or unenforceable by a court of a competent jurisdiction, it shall be deemed to be deleted without affecting the remaining provisions.

These terms and conditions are governed and construed in accordance with the laws of Ireland and you consent to the exclusive jurisdiction of the courts of Ireland in the event of any dispute arising out of or in connection with these terms and conditions.