Terms and Conditions and Privacy Policy
Access to this Site and the use of information contained on it is
governed by these terms and conditions set out below. These terms and conditions are important and are for the
protection of both you and us. Please take the time to read the terms and conditions carefully. By proceeding
further you will be deemed to have accepted them. Please note that references to "we" means REt.ie and our
subsidiaries and associates.
Ret.ie, PO Box
1087, Warrington, Cheshire,
WA4 9HZ, UK, e-mail mail@ret.ie
1. This Site is established in the UK although hosted on an Irish Internet Domain in accordance with
the laws of England and will be governed by the laws
of England and Wales. When you use the site, you accept that your use of the
site and any information on the site, will also be governed by the laws of England and Wales and if any claim
or dispute arises from your use of the site or any of the information on it, you agree that the English
courts will have exclusive jurisdiction over all such claims or
disputes.
2. If you do not agree with these terms
and conditions do not use this
site!!
3. We have provided the contents of this site for your information
only. The distribution of information on the site may be restricted by local law or regulation in certain
jurisdictions. This information is not intended for distribution to, or use by, any person or entity in any such
jurisdiction and persons accessing these pages should inform themselves about and observe any such restrictions. If
you are in any doubt as to whether this Site can be lawfully used by you please do not proceed further.In
particular, our information does not constitute any form of advice, recommendation, representation, endorsement or
arrangement by us and is not intended to be relied upon by site users in making (or refraining from making) any
specific decisions or consumer choices. Given that the impact of any information expressed on our site can
vary widely based on particular circumstances, you should ALWAYS ALSO seek advice from and follow the advice
of other professional advisers and do your own research, and do not rely on the information and advertising
contained on this website.
4. Privacy
Policy
4.1 We take
your privacy seriously. Please read our privacy policy below to see how we deal with this
information.
5. 5. Links
5.1 Our site
does include details on, or links through to, information or products provided by other websites. We do not
control the accuracy or completeness of that information. You take full responsibility for using that
information and verifying its accuracy and appropriateness and for any decision to use, purchase, or refrain
from using or purchasing any of the other services or products mentioned on a linked site. If you do use or
purchase products or services from another website please read their contract carefully before deciding to use
their products and services. Remember, your contract for those products or services will be with them, not
us.
5.2 When you
use other websites, any personal information you give them will be dealt with in line with their privacy
polices, not ours, so please read the privacy policies of each and every such website before using
them!
5.3 Some of
the links included on our site are advertising or affiliated links. These are links which take you directly or
indirectly to a financial product provider and which may result in us receiving a fee or commission as a
consequence of you clicking through to their site or purchasing a product from them.
5.4 You are
welcome to link to our site if you comply with the terms set out in this section and all applicable laws. Any
site or service that links to our site:
5.4.1 May link
only to our homepage unless we have given you our prior written consent;
5.4.2 Must not
in any way imply that we are endorsing it or its products or services;
5.4.3 Must not
misrepresent its relationship with us or present false information about us;
5.4.4 Must not
be a site or service that infringes any intellectual property or other right of any person or that otherwise
does not comply with all relevant laws and regulations;
5.4.5 Must not
be a site or service that contains content that could be considered distasteful or
offensive.If
you breach these terms, then we have the right to require that your link is removed and to take whatever other
action we think appropriate.
6. Disclaimer of warranties and
liability6.1
We provide our site in good faith but we cannot and do not warrant the completeness, truth or accuracy of the
information or other content or postings found on our site, or their usefulness for any particular purpose. You
acknowledge and agree that you bear full responsibility for your own decisions and that we shall not be liable for
any action that you or others take or do not take based on your use of or reliance on information provided by us or
other users of this site.
6.2 We do not
promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or
that the site will be free from viruses or other harmful properties. It is your responsibility to implement
satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such
contaminations or other harmful properties.
6.3 The effect
of what is set out here is that you agree that under no circumstances will we be held liable for any direct,
indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our
site.
7. 7. Indemnity
7.1 You agree
to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any
claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any
material that you post or transmit or via our communication systems, any actions you take which disrupt access
to and/or the functioning of our site or any breach by you of your obligations under these
Terms.
8. General
8.1 If any of
these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest
and will not affect the validity and enforceability of any remaining provisions.
8.2 These
terms shall be governed by the laws of England and any dispute will be resolved exclusively in the
courts of England
9. We have given the information on the Site in good faith. We have
taken the information from trade and other sources believed to be reliable. Although we have made all reasonable
efforts to ensure that all of the information on the Site is accurate at the time of inclusion, we do not represent
that this is the case and it should not be relied upon as such. Please note that we may update or alter the
information on this Site at any time without giving notice of the alterations. Any opinions and estimates expressed
reflect our judgement at the date given and are also subject to change without notice. Accordingly you agree not to
hold us responsible for any inaccuracies or omissions. If you do not understand or if you have any queries on any
of the information on the Site, we recommend that you consult a professional adviser or other relevant expert or
professional.
10. Please note that the sending of personal information via e-mail
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,
11. Access to and use of this Site is at the user's own risk and we
do not represent or warrant that the use of this Site or any material downloaded from it will not cause damage to
property, including but not limited to loss of data or computer virus infection. In no event do we accept liability
of any description including liability for negligence for any damages whatsoever resulting from loss of use, data
or profits arising out of or in connection with the access, use or performance of this Site or any its
content.
12. The contents of this Site, including these terms and conditions,
are subject to change by us without notification. The information in this Site may be updated from time to time and
may at times be out of date. We accept no responsibility for keeping the information in this Site up to date or
liability for any failure to do so.
13. Copyright in the Site and the information set out on it belongs
to us and may not be copied, transmitted or reproduced without our prior
consent.
Copyright Notices
(i). Main copyright notices
Save where
otherwise specified the contents of all the pages contained in this Site are © Ret.ie. Reproduction of part
or all of the contents of the pages in any form is prohibited other than in accordance with the following
permissions. You may make an electronically stored, transient copy of these pages of this Site for the exclusive
purpose of personal on-line viewing.
(ii). Assertion of moral rights
Save where
otherwise specified the author(s) of the literary and artistic works set out in the Pages contained in this Site
has/have asserted his/her/their moral rights to be identified as the author of those works. Their identities are
set out in the pages of the Site containing their works.
(iii). Licence to copy to paper hard disk or diskette for personal
use
You may print
or download to disk the contents of the pages of this Site (other than those excepted from this licence under
clause (iii) above) for the purpose of private study. However, you may only make one copy
thereof.
(iv). General exclusions from licence
This licence
to copy does not permit incorporation of the material or any part of it in any other work or publication,
whether in hard copy or electronic or any other form. In particular (but without limitation) no part of this
Site may be distributed or copied for any commercial purpose.
No part of
this Site may be reproduced on or transmitted to or stored in any other web site or other form of electronic
retrieval system.
Date 22nd October 2011
RET.ie
PRIVACY
POLICY
1. This site is owned and operated by
RET.ie
2. How to contact
us
If you have any queries about this site or
our privacy policy, please contact us at mail@ret.ie, PO Box 1087, Warrington , Cheshire, WA4
9HZ
3. The Information we collect and how
we use it
Except in the
limited circumstances mentioned below, we do not collect your personal information when you enter or use our
site.
IP addresses and
Cookies
When you use our website we log the IP
addresses of users' computers which we use solely for administration and trouble shooting purposes. We use
cookies (files which are sent by us to your computer or other access device) on our main site to track the pages
and articles visited. We use this information to see which items are (or are not) of greatest interest to site
users. If you want to delete any cookies that are already on your computer, please refer to the instructions for
your file management software to locate the file or directory that stores cookies. If you want to stop cookies
being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking
“Help” in your browser menu. Further information on deleting or controlling cookies is available
at www.AboutCookies.org.
The
information derived from use of cookies will be aggregated to provide statistical information about the usage of
our site. However, we do not use any information derived from cookies, nor any IP addresses we collect, to
identify any individual user of our site.
Apart from the
uses described above the only circumstances in which we would disclose any of this information to any third
party are: if ownership of all or part of our website were transferred, in which case any purchaser would only
be entitled to use that information in a way consistent with this Privacy Policy; or if we are required to do so
by any regulatory or criminal authority.
4. Links
Our site
contains advertising with links to third party websites that are not subject to this privacy policy. Read our
Terms and Conditions for further information on these links. We strongly recommend that you read the privacy
policy of any such websites that you visit.
5. Security
Policy
We use
reasonable precautions to keep the information disclosed to us secure. However, we cannot guarantee the security
of the information that you disclose to us. You accept the inherent risks of providing information and dealing
on-line and will not hold us responsible for any breach of security unless this is due to our negligence or
willful default.
6. Changes
This policy is
effective from 22nd October
2011. We may, from time to time make
changes to this privacy policy to reflect any changes to our privacy practices in accordance with changes to
legislation, best practice or website enhancements. We will let you know what these changes are by posting them
to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for
any changes on a regular basis. Changes will become effective as soon as they are
posted.
Effective as
of: 22nd October 2011
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