Terms and Conditions of Use

This page states the Terms and Conditions under which you may use the KBC website (the “Site”). If you do not accept the Terms and Conditions stated here, you are not permitted to use the Site.

This Site is operated from Ireland by KBC Bank Ireland plc and its subsidiaries with its head office at Sandwith Street, Dublin 2, Ireland (“KBC”). For the purpose of these Terms and Conditions,unless otherwise stated, references to KBC shall include any holding company and any subsidiary within the KBC Group in addition to any of its directors, or employees.

KBC may revise these Terms and Conditions at any time by updating this posting. You agree to visit this page periodically to review the Terms and Conditions, because they are binding on you and each time you use the Site you agree to be bound by the current Terms and Conditions.

If you are an existing KBC customer, these Terms and Conditions are in addition to and not in substitution for the terms and conditions of your customer account

Information Contained on the Site

1) General

The information contained on the Site is continuously up-dated. While we are careful to ensure that all information is accurate, KBC does not accept any liability for errors, omissions, defects, unauthorised access or alterations to the Site. For accurate real-time information and rates, please contact KBC directly for specific tailored information to meet your particular requirements.

All information, prices and rates quoted on the Site are for guidance only and do not form any part of a legal contract, agreement or understanding. You should not take any action on foot of information appearing on the Site before taking appropriate financial, banking, investment, legal or other appropriate professional advice.

NO LEGALLY BINDING LOAN AGREEMENT SHALL COME INTO EXISTENCE UNTIL SUCH TIME AS A FORMAL OFFER LETTER (WHICH INCLUDES KBC’S STANDARD CONDITIONS) HAS BEEN SIGNED BY BOTH YOU AND KBC.

(ii) Information Regarding Homeloans, Car Loans and other Credit Products

Nothing on the Site should be construed as an offer by KBC to provide credit to you. Where any specific credit products are quoted on the Site, they will be accompanied by a clear statement as to the cost of such credit in accordance with our obligations under the Consumer Credit Act, 1995. Specific terms and conditions apply to all loan agreements and security and insurance is usually required. If you choose a variable rate product, the cost of monthly repayments may increase.

WARNING YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

(iii) Information Regarding Treasury/Capital Markets and Investment Products

Without prejudice to the generality of the other Terms and Conditions herein, you should note that the Treasury, Capital Markets and Investment information featured on the Site is subject to additional disclaimers which are clearly posted on the relevant pages. KBC publishes this information in order to promote investment services. Any valuations contained on the Site are indicative only and represent either currently available market prices or what we consider to be reasonable approximations. The Site is provided to you without compensation. The information is provided on the basis that the reader has knowledge and experience in financial and business matters and is capable of evaluating the merits and risks of any business based on this information. Neither the information nor any opinions on the Site constitutes, or is to be construed as, an offer to buy or sell investments. The information is based on sources which we believe to be reliable but we do not represent that it is accurate or complete. An independent investigation, assessment or analysis regarding any investment should be undertaken by the viewer as deemed appropriate. We make no representation as to the accuracy of any valuations or as to their purposes. Any valuations contained herein are subject to change without notice.

(vi) Online Quotations and Mortgage Calculators

Where the Site includes devices to allow you to calculate repayments or estimate the likely extent of any loan which may be available to you, please note that such information, prices and rates which may be quoted on the Site are non-binding and are provided for guidance purposes only. No quotation or estimate shall be capable of acceptance unless and until it is contained in a formal Letter of Offer issued by KBC and signed by both KBC and the customer. All Letters of Offer will be accompanied by the full terms and conditions which will apply to the facility in question.

Intellectual Property

The contents of the Site, such as articles, other text, graphics, images, software and other material ("Material"), are protected by copyright under both Irish and foreign laws. KBC grants you a limited, personal, non-exclusive licence to view the Material on a single computer subject to these Terms and Conditions. Unauthorised use of the Material may violate copyright, trade mark and other laws. You may not sell, decompile, reverse engineer or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. Except where expressly permitted in writing by KBC, the use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

Use of the Site

You agree not to use the Site or cause or permit any Materials to be used:-

• so as to jeopardise or prejudice the operation, quality or integrity of the Site or Materials, or the operation, quality or integrity of any telecommunications network;
• to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
• to distribute, download, upload or transmit any material which contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs;
• contrary to the terms and conditions of any Internet Service Provider whose services you may use.

If you violate any of these Terms and Conditions, your permission to use the Material automatically terminates and you must immediately destroy any unauthorised copies you have made of the Material.

KBC's Liability

The Material may contain inaccuracies or typographical errors. KBC makes no representations about the lawfulness, accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the Site and the Material. The accuracy of the information is not guaranteed and does not constitute business, financial or other professional advice and is subject to change and therefore KBC cannot accept responsibility for any loss, damage or expense incurred upon using the information. The use of the Site and the Material is entirely at your own risk. Changes are periodically made to the Site and may be made at any time.

KBC DOES NOT WARRANT THAT THE SITE WILL OPERATE ERROR-FREE OR THAT THE SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. IF YOUR USE OF THE SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, KBC IS NOT RESPONSIBLE FOR THOSE COSTS.

THE SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. KBC AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL CONDITIONS AND WARRANTIES, EXPRESS OR IMPLIED INCLUDING ANY WARRANTY OR TERMS OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, QUIET ENJOYMENT AND ANY WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. KBC AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE LAWFULNESS, ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL .

IN NO EVENT SHALL KBC, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED AT THE SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL, PUNITIVE, EXEMPLARY, SPECIAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE SITE AND THE MATERIAL, WHETHER BASED ON STATUTE, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL CAUSE, AND WHETHER OR NOT KBC IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The contractual rights which you may enjoy by virtue of Sections 12 - 15 of the Sale of Goods Act, 1893 (as amended) or pursuant to the Consumer Credit Act, 1995 are in no way prejudiced by anything contained in these Terms and Conditions save (if you are not dealing as a consumer or in the case of an international sale of goods) to the extent permitted by law. The contractual rights which you enjoy by virtue of the provisions of Section 39 of the Sale of Goods and Supply of Services Act, 1980 are in no way prejudiced by anything contained in these Terms and Conditions save to the extent permitted by law.

Under no circumstances shall KBC’s liability to you for all damages, losses, and causes of action (whether in contract, tort, including, but not limited to, negligence or otherwise) exceed the amount, if any, paid by you to KBC for accessing the Site.

You acknowledge and agree that the limitations set forth above are fundamental elements of this agreement and the Site would not be provided to you in the absence of such limitations.

Your Indemnity to KBC

You agree to indemnify, defend, and hold KBC harmless from any liability, loss, claim, and expense, including legal fees related to your violation of these Terms and Conditions or unauthorised use of the services and information provided at this Site.

Third Party Service Providers

Where the Site includes references to third party services providers such as valuers, solicitors, brokers, insurance companies, etc, unless stated to the contrary, this does not indicate that KBC endorses or recommends any such service providers. You should exercise your own judgement in choosing any service providers and, if you choose to engage a service provider featured on the Site, you do so at your own risk.

Broker and other Professional Pages

Certain areas in the Site, for example our KBC Broker pages, are provided for the benefit of professional service providers and are not intended for the general public. Unless you are appropriately qualified and authorised to access such pages, you should not do so. If you are appropriately qualified and authorised to access such pages, you should exercise your own professional judgement before acting upon any information contained in the Site.

Links to and from Other Web Sites

The Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by KBC of the content on such third party web sites. KBC is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such sites. If you decide to access linked third-party web sites, you do so at your own risk and in accordance with the prevailing terms and conditions of such third party sites.

KBC generally welcomes the hyper-linking to the Site from other appropriate web sites provided such links are to the Site’s homepage (and no deeper within the Site) and provided we give our consent to the establishment of such links. Notwithstanding the foregoing, we reserve the absolute right to refuse to consent to such links without giving reasons. Any links to the Site from another web site must be presented in such a manner that the viewing of the Site is not impaired by framing or similar techniques that may impair the visitor’s user experience.

Irish Law and Jurisdiction

The information in this Site is aimed at residents of the Republic of Ireland who are over 18 years of age. It is not provided and should not be used in any country where accessing or use of such information is prohibited. The information contained in this Site does not constitute an offer or solicitation of investment, financial or banking services by KBC or by any member of the KBC Group of companies.

We do not currently conclude online applications on the Site for loans, mortgages or other financial services. Any applications submitted online or by email will be subject to the same terms and conditions as those completed by hand in paper form including additional terms and conditions relating to credit checking, money laundering and regulatory notices.

Any disputes, claims or proceedings arising out of or in any way relating to the Materials or the Site shall be governed by the laws of Ireland. Information appearing on this Site 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 Site. The Irish Courts shall have exclusive jurisdiction for the purpose of any proceedings arising out of or in any way relating to the Materials or the Site.

Privacy, Security and Communications to Us

See our Privacy Policy for details on how we comply with our obligations under the Data Protection Acts, 1988 and 2003. Please note that any communications to us will be retained in electronic form in accordance with our electronic document retention policy. Please also note that telephone calls to KBC may be recorded to ensure excellent customer service.

General

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect.

No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.

KBC may at any time and without liability modify, suspend or discontinue the Site or any Materials (or any part or specification thereof), with or without notice, for any valid technical, operational or commercial reasons.

KBC shall not be liable, and shall not otherwise be deemed to be in breach of this Agreement, for any failure to perform (or delay in performing) any of its obligations hereunder caused by circumstances beyond its reasonable control.

KBC Bank Ireland plc (lending products)

KBC Bank Ireland plc is regulated by the Financial Regulator. Warning: you may have to pay charges if you pay off a fixed rate loan early.

In addition, Where we advertise debt consolidation, the following specific warning should be noted: Warning: this new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

KBC Bank Ireland plc (Investment Products)

KBC Bank Ireland plc is regulated by the Financial Regulator. The value of your investment may go down as well as up.

KBC Homeloans

KBC Bank Ireland plc trading as KBC Homeloans is regulated by the Financial Regulator. Warning: you may have to pay charges if you pay off a fixed rate loan early. Warning: The cost of your monthly repayments may increase. If you do not keep up repayments you may lose your home.

In addition

(1) Where we advertise debt consolidation, the following specific warning should be noted: Warning: this new loan may take longer to pay off than your previous loans.
This means you may pay more than if you paid over a shorter term.
(2) Where we advertise interest only loans, the following specific warning should be noted: The entire amount that you have borrowed will be outstanding at the end of the interest only period.

KBC Bank Ireland plc and KBC Finance plc are licensed by the Financial Regulator. These Terms and Conditions are published by KBC Bank Ireland plc, of Sandwith Street, Dublin 2, Ireland and were last updated October 2005.