Terms and Conditions re use of permanent tsb Website
Access to the site and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important. Please therefore take the time to read the terms and conditions carefully. By proceeding further you will be deemed to have accepted their contents.
- Information appearing on this website is supplied in accordance with the laws of Ireland and will be governed by the laws of Ireland. By using this site you accept that the use and operation of the site and any information given on the site will also be governed by the laws of Ireland and in the case of any claim or dispute arising out of or in relation to or in connection with the terms and conditions relating to the use of the site you accept that the Irish courts will have exclusive jurisdiction over all such claims or disputes.
- The contents of this site is for information only. While care has been taken in the preparation of the information, the information is of a general nature only and users should not rely on any information contained in it in relation to any specific matter without taking the appropriate professional advice. The information is not intended for distribution or use by persons or any entity outside the jurisdiction of Ireland and persons accessing this site should inform themselves about and observe any restrictions relating to such use. If you are in doubt as to whether access to the site or use of the information is permitted please do not proceed further. Information supplied on this website does not constitute an offer or solicitation of investment financial or banking services by permanent tsb Finance Ltd. or by any member of permanent tsb.
- While all reasonable efforts have been made to ensure that all information on the site is correct at the time of inclusion, permanent tsb Finance Ltd. makes no representation that this is the case and it should not be relied upon as such.
- permanent tsb Finance Ltd. may update or change the information on this site at any time without giving notice of the changes. Any opinions expressed or estimates given reflect permanent tsb Finance Ltd.’s judgement at this time and are also subject to change without notice. Therefore you agree that permanent tsb Finance Ltd. will not be held responsible for any errors or omissions.
- In order to process your request for a preliminary quotation, we may need, where it is considered necessary, to provide information concerning this transaction to any company within the permanent tsb ( a financial services group principally comprising Life Assurance, Banking and Personal Finance companies) or to a credit reference agency. In addition, we may hold and process information in connection with this request and may hold and process same for administrative, customer care and service purposes. By proceeding with the application you will be deemed to have accepted this condition.
- Please note that messages and information passing over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.
- Access and use of this internet site is at the user’s sole risk. While every effort has been made to ensure that communications through permanent tsb Finance Ltd. internet site are by means of a secured connection, there is a risk that such communications may be intercepted by third parties or incorrectly delivered. The confidentiality of such communications cannot, therefore, be guaranteed.
- No responsibility will be accepted by permanent tsb, permanent tsb Ltd. or any other subsidiary within permanent tsb in respect of any breach of copyright or the content accuracy, correctness or the content of any advertisements or claims made with regard to products or services advertised on the site or in regard to the fitness for purpose or merchantable quality of any product advertised or purchased through the website.
- No responsibility will be accepted by permanent tsb, permanent tsb Ltd. or any other subsidiary within permanent tsb in respect of the accuracy of contributed articles or statements appearing in this website and any views and opinions expressed are not those of permanent tsb Finance Ltd.. No responsibility for any loss occasioned to any person acting on foot of any article or statement contained in this website will be accepted by permanent tsb Finance Ltd.
- Data Protection Notice
permanent tsb Finance Ltd., its servants and agents may hold and process information in connection with any application for credit or contract or transaction concluded with permanent tsb Finance Ltd.. permanent tsb Finance Ltd. may hold and process this information for administrative, customer care and service purposes. permanent tsb Finance Ltd. may also hold the information on computer file to market the other services and products permanent tsb Finance Ltd. or any other company within permanent tsb ( a financial services group mainly made up of Life Assurance, Banking and Personal Finance Companies) provide. permanent tsb Finance Ltd. may also use the information for products or services arranged by permanent tsb Finance Ltd. with another person or company. permanent tsb Finance Ltd. may also pass this information to any other company within permanent tsb for those purposes. - Copyright Notice
Save where otherwise specified the contents of all the pages contained in this web site are copyright of permanent tsb Finance Ltd. 2003. Reproduction of part or all of the contents of these pages in any form is prohibited. The courts of Ireland shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with this web site and its use. - Code of Practice
CODE OF PRACTICE ON TRANSPARENCY IN CREDIT CHARGES FOR PERSONAL CUSTOMERS
Foreword
Consumers today are making greater use of financial institutions and financial services than in the past. They are faced with an increasing choice of products and the corresponding range of costs. These developments underline the importance of enhance transparency in the dealings between the financial institutions and customers.
We therefore welcome the publication of this Code which should ensure that interest, fees and charges are more transparent for consumers as personal customers of financial institutions. This knowledge is key to facilitating consumers in making more informed choices as to how they will avail of financial services.
The Code complements existing statutory and voluntary measures. In some cases, the code will essentially make explicit practices which, to some degree at least, are already followed by the industry. There are, however, important new safeguards in the Code - most notably those set out at paragraphs 4.4, 4.5, 4.6 and 4.7. We would hope that these concrete commitments should help foster consumer confidence in the application of standards of good practice and service by financial institutions.
Minister for Labour, Trade and Consumer Affairs
10th March, 2000 Carmel Foley
Director of Consumer Affairs
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