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Legal Statement

Access to this website and the use of information on it is subject to the following Terms and Conditions of use. You should carefully read these Terms and Conditions of use. By proceeding further and accessing the pages of this website you will be deemed to have accepted and agreed to be bound by these Terms and Conditions of use.

Information appearing on the website is provided in accordance with and subject to the laws of Ireland and the laws of Ireland govern the conduct and operation of this website. The courts of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with, the Terms and Conditions of use of this website, the information contained in this website and its use. Any such claims or disputes shall be resolved in accordance with the laws of Ireland.

The information in this website is not provided and should not be used in any State or jurisdiction where accessing or use of such information is prohibited, whether in the format in which it is presented in this website or howsoever. If you have any doubt about the legality of your using this website, you should not continue any further and immediately exit the website. New Ireland accepts no liability arising from the use or viewing of the website which is in contravention of the laws of the jurisdiction in which you are resident, domiciled or located. Residents of the Republic of Ireland only are eligible to access and use this website and apply for the products listed. Any person who is a minor or otherwise unqualified to be a party to a contract is not entitled to apply for any of the products listed on the website.

The information in this website does not constitute a recommendation, or an invitation to buy, or an offer to sell or the solicitation of investments, financial or insurance services by New Ireland Assurance or any other contributor to or link from this website. Any application for a policy will be deemed to be an offer by you for a policy subject to the conditions set out herein. New Ireland is not providing any advice as to whether or not the product suits your needs and/or circumstances. By submitting a signed application to New Ireland you warrant and confirm that you understand and comply with all of the information contained herein. New Ireland reserves the right to decline applications and to void any transaction entered into by a prohibited person.

If you choose to apply for any policy then you should carefully read all information supplied prior to completing any application form. Please note that the value of investments can fall as well as rise. Past performance is not a guide to future returns, which depend on future investment performance. On receipt of a completed and signed application form together with any other information required and provided your application is accepted by New Ireland and the required premium is received by New Ireland, we will send you a policy schedule plus other documents. A policy will only come into force at that point. You may not apply for a policy online as New Ireland does not operate an online distance sales service. We would instead encourage you to meet with an insurance intermediary who will provide you with a full personal financial review and advise you as to the suitability of the policy for you or to contact us directly on 01 617 2000.

While care has been taken in the preparation of the information contained in this website, the information is of a general nature and users should not rely on any information contained in the website in relation to a specific issue with out taking financial, insurance, investment or other professional advice. Information contained in this website is subject to change and to being updated without notice from time to time. No member of New Ireland Assurance (or any other person involved with the provision and maintenance of this website) accepts any responsibility for or makes any representation or warranty or undertaking of any kind (whether express or implied) in relation to the analysis or information contained in this website and to the completeness, timeliness, availability, suitability, reliability or accuracy of such information. The use of such information is at the user’s sole risk. New Ireland does not accept any liability for any loss or damage of any nature including but not limited to loss of profits, goodwill or any 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.

New Ireland reserves the right to suspend or withdraw access to the pages of this website without notice at any time and accepts no responsibility for these pages or the website not being available at all times. No member of New Ireland (or any other person involved with the provision and maintenance of this web site) provides any warranty as to the freedom of this site from errors, defects, viruses or other forms of harmful or malicious programs, components or macros.

Messages and information passing over the Internet may not be free from interference by third parties and should be independently verified. You should not disclose data over the Internet unless you have satisfied yourself as to the security of the technology/encryption. New Ireland Assurance cannot guarantee the privacy or confidentiality of information relating to you that passes over the internet. In accessing this website and in availing 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. New Ireland will hold and 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.

This website contains hypertext links to websites not maintained by New Ireland. New Ireland Assurance does not endorse or represent the reliability, accuracy, or quality of any information, goods, services, or products displayed or advertised on such other websites. No member of New Ireland is or shall be (or be deemed to be) a party to any contract that you may 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. New Ireland 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 accessing and use by you of such websites is at your sole risk.

No third party is permitted to create a link from another website to this website without New Ireland’s prior written consent (which consent if granted may be revoked at any time without explanation).

The information contained in this website is, unless otherwise specifically stated, the property of New Ireland Assurance. The information and material contained on this website is for personal use only and may not be copied, printed, published, transmitted, amended or reproduced in any form whatsoever without the prior consent of New Ireland Assurance. New Ireland Assurance grants personal users permission (a licence) to:

• browse this material (including making such copies in RAM or other temporary storage device necessary to facilitate such browsing)
• print out hard copies for personal use.

All intellectual property rights associated with the website and its contents are reserved to New Ireland and its licensors.

These Terms and Conditions of use shall also apply, subject to alterations 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 Ireland.

Throughout this website and these Terms and Conditions of use New Ireland Assurance Company plc is referred to as ‘New Ireland Assurance’, ‘We’ and/or ‘New Ireland’.

MSCI Content

Copyright MSCI 2011. Unpublished. All Rights Reserved. This information may only be used for your internal use, may not be reproduced or redisseminated in any form and may not be used to create any financial instruments or products or any indices. None of this information is intended to constitute investment advice or a recommendation to make (or refrain from making) any kind of investment decision and may not be relied on as such. Historical data and analysis should not be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. This information is provided on an “as is” basis and the user of this information assumes the entire risk of any use it may make or permit to be made of this information. Neither MSCI, any or its affiliates or any other person involved in or related to compiling, computing or creating this information makes any express or implied warranties or representations with respect to such information or the results to be obtained by the use thereof, and MSCI, its affiliates and each such other person hereby expressly disclaim all warranties (including, without limitation, all warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability and fitness for a particular purpose) with respect to this information. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any other person involved in or related to compiling, computing or creating this information have any liability for any direct, indirect, special, punitive, consequential or any other damages (including, without limitation, lost profits) even if notified of, or if it might otherwise have anticipated, the possibility of such damages.”