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Terms and Conditions

Terms and Conditions of use of Bank of Ireland Group and Bank of Ireland Private Banking website

Access to this Website and the use of information on it is subject to these Terms and Conditions of Use. You should carefully read these Terms and Conditions of Use. By proceeding further, you will be deemed to have accepted them.

In these Terms and Conditions of Use, the following terms shall have the meanings indicated:

"Terms and Conditions of Use" - means the terms and conditions of use of this Website herein contained;

"Bank of Ireland" - means the Governor and Company of the Bank of Ireland;
"Bank of Ireland Group" means Bank of Ireland, its subsidiaries and associates;
"Bank of Ireland Group Website" and "Website" mean this website, being a website accessible at or via any or all of the following internet addresses: (i); (ii); (iii); (iv); (v); (vi); (vii); (viii)
"Privacy Statement" means our statement of practice as regards the privacy and security of your information when accessing and/or using this Website and any of the features hereon (you can read a copy of the Privacy Statement by clicking here)
"you" means any and all persons accessing or using this Website and/or availing of any information and/or services available on or via this Website;
"we" and "our" and "us" means Bank of Ireland and Bank of Ireland Group;

 2.Governing Law and Jurisdiction
Information appearing on this Website is provided in accordance with and subject to the laws of the Republic of Ireland and the laws of the Republic of Ireland govern the conduct and operation of this website. The courts of the Republic of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with these Terms and Conditions of Use, the information contained on this Website, and any use made of that information. Any such claims or disputes shall be resolved in accordance with the laws of the Republic of Ireland.

3.Disclaimer as to accuracy of information
Care has been taken in the preparation of the information contained on this Website. However, we do not make any representations or warranties as to the accuracy, completeness, timeliness, merchantability, fitness for a particular purpose of the information contained on this Website. Any information whether or not is classified as "real time" may have stopped being current by the time it reaches you. Any opinions or comments expressed on this Website reflect our judgement at the date of issue and are subject to change without notice. Any pricing is indicative and does not, and is not intended to, constitute either an offer to buy or sell or a representation that a purchase or sale can be effected at that price.

4.Need for professional advice
You should not rely on any information contained on the Website in relation to a specific issue or decision without taking financial, banking, investment or other advice from an appropriately qualified professional adviser.

 5.Prohibited use of Website
The information on this Website is not intended to be provided to and should not be used in any State or jurisdiction of any nature in which access to or use of such information is prohibited, whether in the format in which it is presented on this Website or otherwise. If you have any doubts about the legality of your using this Website, you should not continue any further.

 6.Not an offer or solicitation
The information contained on this Website is not intended to nor does it constitute an offer or solicitation of investment, financial or banking services by us or any of us. Unless otherwise stated, residents of the Republic of Ireland only are invited to apply for the credit products and/or any other products/ or services listed. Users of this Website should note that each of these products and services are provided subject to separate specific terms and conditions and/ or separate specific terms of business which should be carefully read.

The contents of this Website, including these Terms and Conditions of Use, any information contained on this Website and our Privacy Statement are subject to change and to being updated without notice from time to time.

8.Hypertext links

This Website contains hypertext links to websites not maintained by Bank of Ireland Group or any member of Bank of Ireland Group. Neither Bank of Ireland nor Bank of Ireland Group endorses or represents the reliability, accuracy, timeliness, completeness, merchantability, fitness for a particular purpose or quality of any information, goods, services, or products displayed or advertised on such other websites. Bank of Ireland nor Bank of Ireland Group have verified the truth or accuracy of any content of such websites and no warranty or representation is given or made in respect of the accuracy or truth of the content on such other websites. No member of Bank of Ireland Group is or shall be (or be deemed to be) a party to any contract that you may or do enter into with the providers of such goods, services or products. You are reminded that different terms and conditions of use will apply to you as a user of such websites. Bank of Ireland Group hereby disclaims any and all liability for the content of such websites and any loss or damage of any nature suffered by you as a result either: (a) of accessing or using such websites; or (b) availing of or acquiring any or all of the goods, services or products advertised or available on or via such websites. The use by you of such websites is at your sole risk.

This Website contains hypertext links to websites maintained by members of the Bank of Ireland Group other than Bank of Ireland. You are reminded that different terms and conditions of use may apply to you as a user of such websites.

No third party is permitted to create a link from another website to this Website without our prior written consent.

Please note that Bank of Ireland Group cannot guarantee the privacy or confidentiality of information relating to you that passes over the Internet. In accessing this Website and in availing of any of the services/information available on or via this Website, you are deemed by these Terms and Conditions of Use to accept that electronic mail messaging and Internet communication may not be free from interference by third parties and may not remain confidential.
In all circumstances the use by you of this Website is at your sole risk.

10.Privacy Statement
Bank of Ireland Group will use your personal data in the manner set out in its Privacy Statement. However, in the event of a conflict between the Privacy Statement and these Terms and Conditions of Use, the Terms and Conditions of Use shall prevail.

11.General disclaimer of liability

No member of the Bank of Ireland Group (or any other person involved with the provision and maintenance of this Website) takes any responsibility for the accuracy of the information provided on this Website. Use of such information is at the user's sole risk. No member of the Bank of Ireland Group accepts any liability for any loss or damage of any nature, including but not limited to loss of profits, goodwill, or any other type of financial or other pecuniary or direct or special indirect or consequential loss howsoever arising whether in negligence or for breach of contract or other duty as a result of:

(i) use of this Website, including but not limited to any electronic mail messaging and Internet communication that may arise from, in the course of or pursuant to such use; and/or
(ii) reliance on the information contained in this Website, whether:
(a) downloaded or not;
(b) authorised or not.

Bank of Ireland Group makes no representation or warranty or undertaking of any kind in relation to the analysis, information or commentary contained on this Website or the completeness, timeliness, merchantability, fitness for a particular purpose or accuracy of such information.

12.Right of Bank of Ireland to information on this Website
The information contained on this Website may not be copied, transmitted, amended or reproduced in any form whatsoever without the prior written consent of Bank of Ireland.

13.Attempted use of Website
These Terms and Conditions of Use shall also apply, subject to alteration as necessary, to attempted access of the Website and attempted use of information on it.


In the event that any provision in these Terms and Conditions of Use is held to be unenforceable or invalid, such provision shall be severed and the remaining provisions shall be enforceable to the fullest extent permitted by the laws of Republic of Ireland.

Clause headings in these Terms and Conditions of Use are for reference purposes only and shall not be used to construe or determine the meaning of any or all of these Terms and Conditions of Use.

You confirm that you are resident of the Republic of Ireland. In particular you should note that the information relating to the services provided by BoIPB is not for distribution and under no circumstances is to be considered as an offer or solicitation to deal in investments in any jurisdiction in which such offer, solicitation or distribution would be unlawful, including, but not limited to, Australia, Austria, Bahrain, Canada, Germany, Gibraltar, Hong Kong, Isle of Man, Luxembourg, Malta, Netherlands, South Korea, Sweden, Taiwan, the United States of America, or the United Kingdom.

Investment in any of the investments described will only be made on the basis of the applicable offer document (eg. Scheme Particulars, Prospectus or other Terms and Conditions) which are available upon request. Nothing should be construed as investment advice and no investments shall be offered for sale online.

Terms and Conditions - Bank of Ireland Private Banking Secure Client Portal

These Terms and Conditions are legally binding.

Your use of the site constitutes your acceptance of these terms and conditions and any amendments to them that we may make from time to time. The contents of this site are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Bank of Ireland Private Banking (BoIPB) makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments or services discussed at this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties.

Privacy Policy
BoIPB shall aim to protect any information which you may supply to us when visiting this site in the same way that we would protect it in all other ways we interact with you, for example, on the phone.

If you do provide personal information, such as name, address, personal financial information, email address, telephone and fax numbers or demographic information, to BoIPB we will not disclose (share, sell or divulge) it to external organisations unless we have been authorised to do so by you, or are required to do so by law. We will maintain this information, as well as your business activities, according to our usual strict security and confidentiality standards.

BoIPB shall permit only authorised employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our privacy promise will be subject to our strictest disciplinary process.

In order to provide better service or to address security hazards we shall occasionally use a cookie. A cookie is a small piece of information, which a website stores on your web browser on your PC and which can subsequently be retrieved. A website other than the one that set the cookie cannot read the cookie.

Whenever we hire other organisations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.

BoIPB cannot stand over the privacy practices of any third party websites that may be linked to this site.

Data Protection
You hereby agree that personal information provided on this website for the purposes of registration, together with further information that may be provided to BoIPB (the information), is provided for the primary purpose of the provision of internet services and for processing, administration, maintenance and provision of financial services via the internet. You hereby agree that the information may be:

(a) Held by Bank of Ireland Private Banking and other members of the Bank of Ireland Group;

(b) Accessed by, disclosed to and transferred between, companies in the Bank of Ireland Group for the purpose of the management of your relationship with the Bank of Ireland Group of companies.

Where "Bank of Ireland Group" means the Bank, its subsidiaries and associated companies .

With regards to the use of email which carries with it a number of inherent risks, BoIPB uses a non secure public email system. As a result we cannot guarantee:
(a)That the email will be delivered within a reasonable time, or at all;
(b)That the email comes from the purported sender (either you or BoIPB);
(c)That the email has not been intercepted;
(d)That the content of the email is unaltered from the time of transmission.
While we cannot guarantee that email sent from BoIPB shall not contain any viruses, we shall take reasonable steps to try to ensure this.

Please be advised that the facility to encrypt email messages is unfortunately not available. The services provided by BoIPB over the internet are operated via the website and public email. As a result, we must have your irrevocable consent to contact you by email, we cannot accept your registration if you do not give us this consent. BoIPB shall in no circumstances be liable for any loss or damage arising from the use of public email.

Access to the site shall be via a logon process, which shall involve the following:
BoIPB shall provide you with a username and PIN (Personal Identification Number). The PIN shall consist of 6 digits. You shall be asked to input random digits from the PIN each time you log on to the site. In addition you shall receive a password which shall also be requested from you when logging on to the site. (The username, PIN and password are collectively known as Security Devices).
(a) must keep secret the Security Devices;
(b) must not record or hold any one of the security devices in a form or manner which would be intelligible or otherwise accessible to an unauthorised person; and
(c) must notify BoIPB without delay should you either suspect or become aware that any one of the Security Devices have become known or available to an unauthorised person.

To protect you we may suspend access to the site if:
(a) any part of the security protection process is incorrectly completed on three occasions;
(b) we have reason to believe that an unauthorised person is attempting to access the site using any one of your Security Devices;
(c) we believe that it is necessary to do so for any operational or security reason.

If you leave your PC unattended for a period of 10 minutes you are automatically logged out of the website.
While BoIPB has taken all reasonable security precautions, the nature of communication by the internet is such that BoIPB cannot guarantee the privacy or confidentiality of any information relating to you passing over the internet. In accessing the BoIPB website, you accept that electronic mail messaging may not be free from interference by third parties and may not remain confidential. The use of BoIPB's website is at your sole risk.

Note: From time to time we may change our security procedures and this may include changing the hardware and/or software required to access the site. We will advise you of such changes and if we require you to do so, you must comply with them. Where you are unwilling or unable to comply with the revised procedures, your access to the site may have to be terminated.

The content of this site, including text, graphics, links and/or other items, has been prepared based upon sources, materials and systems believed to be reliable and accurate, and are provided to you on an "as is" and "as available" basis. BoIPB makes no representations, and disclaims all, express, implied and statutory warranties of any kind to you or any third party, including, but not limited to, representations, and warranties regarding accuracy, timeliness, completeness, merchantability, fitness for any particular purpose, non-infringement of third party rights and/or freedom from computer virus. BoIPB assumes no responsibility for the consequences of any errors or omissions.

Information on the site may change frequently (for example, interest rates). You must check the site to ensure that the information, which you are using, is the most current information available when you use it.

Information relating to both your Bank of Ireland and non-Bank of Ireland accounts which appears on the BoIPB site is provided via a link. Due to possible time lags in the transfer of the data, you should be aware that the account information available on the site should not be taken as conclusive evidence of the state of any account at the time of access and should not be relied upon as such.

The contents do not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments. This website is not intended to provide specific individual advice including, without limitation, investment, financial, legal, accounting or tax. Please consult with your own professional advisor on your particular financial circumstances. You should inform yourself as to any securities, taxation or other legislation affecting you personally.

Information on Account Balances
Where this facility is availed of, you accept that the information on account balances is comprised of:
(a)The balance as at close of business on the latest banking business day in Ireland and
(b)All cheques due for value on that day, standing orders, all automated debits and credits due for value, and debits and credits made by use of Branch terminals and the ATM network or any other electronic money transfer system.
All transactions included under paragraph (b) above are for information purpose only and you acknowledge that their status will not be confirmed until close of business on the day accessed.

You accept that information on account balances for Bank of Ireland Visa & MasterCard Accounts consists of the balances set at close of business on the latest banking business day in Ireland.

The information available by means of this Account Balances facility shall not be taken as conclusive evidence between BOIPB and you of the state of the accounts. While BOIPB shall use all reasonable endeavours to ensure the accuracy and completeness of all such information, subject to the restrictions on excluding liability in the Consumer Protection Code, BOIPB shall not be liable for any loss incurred or damage suffered by you by reason or in consequence of any such information.

Third Party Content Providers
At present we have the facility to automatically feed account information from a number of companies whom we will advise you of. For all other companies you shall be required to complete the information online. BoIPB cannot guarantee the accuracy of any information, which is provided to it by a third party in relation to your accounts.
BoIPB is not responsible for any third party content and information nor the accuracy, timeliness or suitability of the information that may be reproduced on or linked to this website.

BoIPB is not responsible for any third party content and information nor the accuracy, timeliness or suitability of the information that may be linked to this website - whether the link is provided by BoIPB or by a third party. Such links (eg. online share dealing) should not be viewed as a recommendation or endorsement by BoIPB of any website linked to this one or any products or services offered by the sponsor of any linked website. You agree that we shall not be liable to you for any consequence of your viewing and/or acting upon the contents of another website.

Moneymate Content
The information provided by Moneymate is the intellectual property of The Software Vineyard Holding Company. You agree only to use such information for personal use and not to re-distribute or re-disseminate the information. The information is provided by The Software Vineyard Holding Company to BoIPB on an "as is" basis. BoIPB is not responsible for the content of any information provided by The Software Vineyard Holding Company Ltd; including it's accuracy, timeliness or suitability. While The Software Vineyard Holding Company endeavours to ensure that the information is accurate you agree to indemnify and keep indemnified BoIPB from any errors or delays in content, or for any loss resulting from actions taken by you in reliance thereon.

Other Service Providers
BoIPB is not a party to the provision of any services provided by Third Parties accessible through this site. Any and all inquiries and/or disputes in respect of third party services should be directed by you to the relevant service provider. The individual terms and conditions set out by that service provider will be individually negotiated with that service provider.

Limitation of Liability
In no event shall BoIPB be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this site or the user thereof or inability to use by any party or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if BoIPB, or representatives thereof, is advised of the possibility of such damages, losses or expenses. Use of hyperlinks to other internet sites is at your own risk.

Planning Calculators
The information provided on this site for the purposes of financial planning is provided purely for informational purposes. Individual needs are unique. As such, no decision should be taken purely based on the planning tool. You should contact a professional advisor or representative of BoIPB before making any such decision.

The investments and strategies discussed in the content may not be suitable for all investors. Reference in this document to companies or other investments held within an investment fund should not be construed as a recommendation to the investor to buy or sell the same, but is included for the purposes of illustration. Unless otherwise stated, all views expressed are those of BoIPB. You should be aware that past performance is no guarantee of future performance. Where past performance or simulated performance is illustrated, it must not be taken as a guide to future returns which will depend on future economic conditions and a number of other variable factors. The value of investments and income from them may go down as well as up and an investor may not get back the original amount invested. Exchange rates may also cause the value of underlying overseas investments to go down or up. Investments in emerging markets can be more volatile and the risk to capital is greater.

Copyright, trademark and other forms of proprietary rights protect the content of the site. The content is owned or controlled by BoIPB or the party credited as the provider of the content. Please also note that information on this website is the property of the information providers or their licensers and is protected by applicable copyright law. You agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate or commercially exploit the information in any manner without the express written consent of the providers and relevant others.

You may download any suitable documents (Printouts). BoIPB reserves the right at its discretion to reject and not be bound by the terms of any printout which you send to us, and in any event BoIPB will only be bound by the provisions of printouts which are identical to those on the website at the time that the printout was created. Where there is any conflict between the provisions of the printout and those on the website, the provisions of the website shall prevail.

BoIPB will not be bound by any amendment made to the printouts other than any manuscript corrections you may make to information supplied by you in response to questions in your registration form and we will not accept any amendment to any other part of the registration form.

In addition you may not redistribute, sell, or modify any of the information.

BoIPB may decide (subject to appropriate regulatory approval) to introduce a charge for operating the services. Notice of the introduction of such a charge will be given to you in writing.

Alteration of Terms and Conditions
These terms and conditions may be altered by BoIPB in its discretion from time to time and will be altered by BoIPB to comply with any change in regulation and/or law or to enhance the security of the services provided. Any such alteration shall become effective 14 Banking Days (a Banking Day means Monday - Friday excluding bank, statutory or other public holidays in Ireland) after notice of such alteration has been sent to you by any of the following means: through the post, by notice on accessing the services, or by advertisement in at least one national daily newspaper.

BoIPB will not accept any attempts by you to alter or vary any of the terms and conditions or any other matter without its express written consent. Email cannot be used as a mechanism to alter these terms and conditions.

Joint Accounts
Instructions for joint accounts may be given by any of the account holders although each account holder must register separately and apply for his/her own individual (PIN) and, where required, username.
Where the account holder comprises of more than one person, each person agrees to be jointly and severally liable for all monies due or liabilities incurred arising from any instructions given pursuant to these terms and conditions.
Any and all covenants, agreements, indemnities and provisions in these terms and conditions shall have effect as if they were joint and several covenants, agreements, indemnities and provisions by any such persons.

BoIPB shall record instructions received by way of the services and, in the event of any dispute arising in relation to any instructions or alleged instructions, the record kept by BoIPB shall be prima facie proof of such instructions or alleged instructions for the purpose of determining such dispute.

No time or indulgence which BoIPB may extend to you nor any waiver by BoIPB of any breach by you of any provision of these terms and conditions shall affect BoIPB's rights and powers as described.

These terms and conditions shall be governed by and construed in accordance with the laws of Ireland, and the courts of Ireland shall have exclusive jurisdiction to resolve any disputes in connection herewith.

Either you or BoIPB may terminate this agreement at any time on notice to the other party. BoIPB may terminate these terms and conditions immediately on the death, bankruptcy or other act of insolvency of you.

Any notice or communication to BoIPB and required under the terms and conditions (other than notice of termination) shall be given in writing only.

Written notice shall include a notice given by letter or via email, provided that the notice is clearly identified as relating to you.
In the case of any notice served upon us by post, the notice should be addressed to Bank of Ireland Private Banking Ltd. 40 Mespil Road, Dublin 4.

Any postal notice will be sent to you at the address we hold on our records as your residential address will be presumed to have been received by you on the third banking day after posting. Notice served by email will be subject to proof of transmission to be deemed to have been received at the time of transmission.
Any notice to joint account holders may be addressed to the account holder named first in our records as agent for the other account holder and shall be effective for both account holders.

Risk Warning
The services and the information are only for your general information and use and are not intended to address your particular requirements. In particular, the services and information do not constitute any form of advice or recommendation by BoIPB and are not intended to be relied upon by users in making (or refraining to make) any specific investment or other decisions. Appropriate independent advice should be obtained directly by meeting with a Private Banking Manager before making any such decision. For your information, we would like to draw your attention to the following investment warnings:
The price of units, funds and the income derived from them can go down as well as up, and investors may not get back the amount they invested. Past performance is not necessarily a guide to future performance. It may be difficult for you to sell or value certain investments or to obtain reliable information about their value or the extent of the risks to which they are exposed. Where the information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable. Although carefully verified, the information as well as data computations are not guaranteed by BoIPB or any of the data providers or affiliates and may not be complete.

Each of the provisions of the terms and conditions are severable from all others and if at any time one or more of such provisions not being of a fundamental nature, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired.

You shall hold BoIPB harmless from any loss or damage suffered by any person as a result of your breach of any of these terms and conditions.