This is the internet website (“Website”) of Bank of Ireland (I.O.M.) Limited (“Bank of Ireland”), and/or Bank of Ireland (I.O.M.) Limited, Guernsey Branch. References to “we”, “us” and “our” are references to Bank of Ireland and such expressions shall include our successors and assigns. References to “you” and “your” are references to any person accessing this Website. You may only use this Website as we permit. These terms and conditions govern your use of this Website and by accessing this Website you agree to be bound by them (as the same may be amended, varied or supplemented from time to time).

Bank of Ireland reserves the right to amend these terms and conditions from time to time and the posting of any changes on this Website shall constitute notice to you of such changes.

These terms and conditions replace all terms and conditions previously applicable to the provision of this Website.

In these terms and conditions, “Group” means Bank of Ireland Group and its subsidiaries.

1. General conditions

1.1 You may only use this Website as we permit and subject to you being entitled to access and use it under the laws of the country in which you are located when you make access and, if different, the laws of your jurisdiction of residence and/or domicile.

1.2 This Website is for information purposes only. None of the products or services referred to in this Website is available online. This Website and any information contained within it does not constitute (and should not be construed as constituting) (i) an offer to sell or provide any Bank of Ireland product or service, (ii) an invitation, recommendation or solicitation to buy or avail of any Bank of Ireland product or service or (iii) an invitation, recommendation or solicitation to make deposits with us.

1.3 Bank of Ireland does not offer (either in this Website or generally) any of its products or services to any person, company or other entity in any jurisdiction where the offer and/or provision of such products or services is restricted or prohibited by law or where Bank of Ireland would be subjected to any registration, licensing or other regulatory requirement. The information contained within this Website is not intended for use by persons located or resident in such jurisdictions. It is your own responsibility to be fully familiar with all applicable laws, regulations and restrictions related to your use of this Website in your jurisdiction.

1.4 We may not accept applications for products or services detailed on this Website from certain jurisdictions. Bank of Ireland may decline any application for products or services due to legal, regulatory or other reasons. All applications are subject to full and satisfactory compliance with our new business and anti-money laundering procedures.

1.5 Interest on accounts with Bank of Ireland is paid gross without any tax being deducted or withheld by us. You may have a tax liability in your country of residence in respect of interest paid on deposits with us. It is your responsibility to obtain tax advice and to make all tax payments, returns and disclosures to the relevant authorities. Please note that tax legislation, regulations and practice may change from time to time.

1.6 It is your responsibility to ensure that any product or service detailed on this Website is suitable for your needs and that your application for any such product or service does not breach any law, regulation or restriction in your jurisdiction or residence and domicile. Please note that all of our products and services referred to on this Website are subject to change without notice.

1.7 The information contained within this Website does not constitute investment advice or advice on the merits or suitability of our products or services detailed on this Website or otherwise and no information contained within this Website should be construed as such.

1.8 Whilst we have taken reasonable care to ensure that the information contained in this Website is accurate, correct and up to date, we do not represent or warrant that it is and you should not, therefore, rely upon the information contained within this Website without first verifying it directly with us.

1.9 Bank of Ireland shall not be liable to you for any damage that you may suffer as a result of any inaccuracies, errors or omissions in the information contained in this Website.

1.10 Whilst Bank of Ireland takes all reasonable precautions to prevent computer viruses and other malicious programs on this Website, no liability is accepted for any damage caused to your computer, systems, hardware or software or any consequential damage or loss as a result of your use of this Website.

1.11 Bank of Ireland makes no representation or warranty that the operation of this Website will be uninterrupted and shall not be responsible for any consequence of any such interruptions.

1.12 The information in these pages may be updated from time to time and may at times be out of date. Bank of Ireland accepts no responsibility for keeping the information contained on these pages up to date.

2. Other services and websites

2.1 From time to time, this Website may feature the products and services of third parties. You must ensure that any third party product or service is suitable for your specific needs. We do not make any warranty in relation to, and are not responsible for, the quality, substance, suitability or availability of any such products or services.

2.2 From time to time, this Website may contain various links to third party websites over which we have no control. Such links are provided solely for your convenience and are accessed entirely at your own risk. We are not responsible for, and shall have no liability in respect of, the content of such websites or the products or services offered on such websites

2.3 No third party website may be linked in any way to this Website without our prior written permission.

3. Data Protection and Privacy

3.1 Bank of Ireland will use the personal information you have given us (and any such information you give us in the future) for opening and administering your account(s), marketing and profiling, risk assessment, fraud prevention purposes and analysis of your transactional information. Any personal information you provide to Bank of Ireland may be stored as data within our computer system.

3.2 In order to provide you with certain services, we will have to disclose your personal information to our third party service providers. In addition, we may have to disclose your personal information to legal advisers, auditors and regulatory bodies (in order to comply with relevant laws).

3.3 We may search the files of credit reference agencies who will record the search. We may share information about customer accounts with other lenders and with credit reference agencies. This information is used only to make credit granting decisions or occasionally for fraud prevention or tracing account holders.

3.4 By signing the application form, you agree with the contents of this Data Protection notice and you consent to Bank of Ireland:

• storing and processing any personal information about you as data stored within our computer system;
• disclosing your personal information (including personal information held as data) in accordance with the contents of this Notice;
• transmitting personal information (including personal information held as data) to recipients outside of the isle of Man and Guernsey in order to provide you with the services you have requested.

3.5 Bank of Ireland is subject to the Isle of Man’s Data Protection Act 2002 and the Data Protection (Bailiwick of Guernsey) Law 2001. Under these laws you have a right, inter alia, to:

• apply for a copy of the personal information that we hold as data in relation to you (for which we may make a small charge); and
• to have any inaccuracies contained in such information corrected.

3.6 We endeavour to take all reasonable steps to protect your information but cannot guarantee the security of any information you disclose online. You hereby accept the inherent security implications of disclosing your information on-line over the internet and will not hold us responsible for any breach of security.

3.7 When you e-mail us, that e-mail will be transmitted over the internet and will be processed by computer servers which are outside the control of Bank of Ireland. We therefore cannot guarantee the privacy of any e-mail that you send to us. We advise that you do not send us account information or information of a sensitive nature via email.

3.8 To enable us to monitor and improve the site, we may gather certain information about you when you use it, including details of your operating system, browser version, domain name and IP address, and the details of any website from which you were directed.

3.9 We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain personal information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. The only personal information a cookie can contain is information you supply. A cookie cannot read data off your hard disk or read cookie files created by other sites. Bank of Ireland uses cookies to maintain user session information to make this Website easier to use. You can refuse cookies by turning them off in your browser. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie.

3.10 If you do not consent to the terms of this notice, you should not submit any personal information via the Submit Form.

4. Indemnity

You irrevocably and unconditionally agree forthwith on demand to indemnify Bank of Ireland and its officers, agents and employees from and against any and all losses, damages and costs suffered or incurred by Bank of Ireland or any such person of whatsoever nature arising out of or in connection with your use, provision or distribution of information or any part of this Website or otherwise howsoever arising in relation to any breach of these terms and conditions by you.

5. Copyright and Trade Marks

5.1 This Website and the copyright in the content of and materials featured on this Website are owned by or licensed to Bank of Ireland and cannot, whether in whole or as to any part, be copied, reproduced, distributed or transmitted in any medium (including, without limitation, by the internet) without our prior written permission.

5.2 Bank of Ireland and certain other names, words, images or logos identifying this Website and the products and services featured in this Website are the property and trademarks of the Group. Certain other names, words, images or logos may constitute trade names or unregistered trademarks of the Group.

5.3 The names and logos of third parties mentioned in this Website may be the property and trademarks of those third parties and are used by us and/or the Group with the permission of such organisations.

6. Regulatory

6.1 Bank of Ireland is a registered trading name of Bank of Ireland (I.O.M.) Limited, which is licensed by the Isle of Man Financial Supervision Commission to conduct Banking and Investment Business. Bank of Ireland (I.O.M.) Limited, Guernsey Branch is licensed and regulated by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended. Incorporated in the Isle of Man No 17696C. Registered Office: 4 Christian Road, Douglas, Isle of Man.

6.2 Deposits made with Bank of Ireland (I.O.M.) Limited are covered by the Depositors’ Compensation Scheme contained in the Banking Business (Compensation of Depositors) Regulations 1991 established in the Isle of Man. However, deposits made with the Guernsey Branch are not covered by the Scheme.

6.3 Any investment advertisement on this website issued by the Bank of Ireland (I.O.M.) Limited which requires approval as a financial promotion under the Financial Services and Marketing Act 2000 has been approved by Bank of Ireland, which is authorised and regulated in the United Kingdom by the Financial Services Authority for the conduct of UK business. Bank of Ireland (I.O.M) Limited is not regulated in the United Kingdom and the United Kingdom Financial Services Compensation Scheme will not be available to investors.

7. Governing law

These terms and conditions will be governed by and construed in accordance with Isle of Man law. You hereby agree unconditionally and irrevocably to submit to the jurisdiction of the Isle of Man High Court.