Legal

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, you will be deemed to have accepted these Terms and Conditions of Use.

  1. Definitions and interpretation

In these Terms and Conditions of Use and on the Website, the following terms shall have the meanings indicated:

“Terms and Conditions of Use” – means the terms and conditions of use of this Website herein contained (as may be amended from time to time);

“Bank of Ireland UK” – means Bank of Ireland (UK) plc, a company registered in England & Wales with company number 7022885;

“Bank of Ireland Mortgages” – means the UK branch of The Governor and Company of the Bank of Ireland (with branch number BR000459);

“Bank of Ireland Group” – means Bank of Ireland (UK) plc, its parent undertakings, its subsidiary undertakings and the subsidiary undertakings of any of its parent undertakings from time to time (with “parent undertaking” and “subsidiary undertaking” each having the meanings set out in section 1162 Companies Act 2006) and any member of the Bank of Ireland Group shall be construed accordingly;

“Privacy Policy” – means our statement of practice as regards the privacy and security of your personal information when accessing and/or using this Website and any of the features hereon (you can read a copy of the Privacy Policy by clicking here);

“you” – means any and all persons accessing or using this Website and/or availing of any information and/or services available on or via this Website;

“we” and “our” and “us” – means Bank of Ireland UK or Bank of Ireland Mortgages (as the case may be); and
“Website” – means this website, being a website accessible at or via the internet address www.bankofirelandUK.com.

  1. Governing Law and Jurisdiction

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

  1. Disclaimer as to accuracy of information

We have taken reasonable care in the preparation of the information contained on this Website. However, we do not make any representations or warranties as to its accuracy or completeness.
The information contained on this Website, copyright in which belongs to Bank of Ireland UK, may not be copied, transmitted, amended or reproduced in any form whatsoever without the prior written consent of Bank of Ireland UK.

  1. Need for professional advice

You should not rely on any information contained on this Website in relation to a specific issue or decision without taking independent financial, banking, investment or other advice from an appropriately qualified professional adviser.

  1. Prohibited use of Website

The information on this Website is not intended to be provided to, and should not be used in, any state or jurisdiction of any nature in which access to, or use of such information is prohibited, whether in the format in which it is presented on this Website or otherwise. If you have any doubts about the legality of your using this Website or the information contained on this Website, you should not continue to use it.

  1. Not an offer or solicitation

The information contained on this Website is not intended to be, nor does it constitute, an offer or solicitation of investment, financial or banking services by us or any member of the Bank of Ireland Group. Users of this Website should note that each of these products and services are provided subject to separate specific terms and conditions which should be carefully read and considered.

Products and services in respect of which information is given on the Website are generally only available to persons resident in England, Scotland, Wales and Northern Ireland unless stated otherwise.

  1. Amendments

We may update the Website from time to time and may change the content at any time. Please be aware that any of the content on the Website may be out of date at any given time and we are under no obligation to update it.

  1. Hypertext links

8.1
This Website may contain hypertext links to third party websites which are not maintained by Bank of Ireland UK or any member of Bank of Ireland Group. Neither Bank of Ireland UK nor any member of the Bank of Ireland Group endorses or represents the reliability, accuracy, or quality of any information, goods, services, or products displayed or advertised on such other websites. Neither Bank of Ireland UK nor any member of Bank of Ireland Group is or shall be (or be deemed to be) a party to any contract that you may enter into with a third party provider of any 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. The Bank of Ireland Group hereby disclaims any and all liability (to the extent permitted by law) 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 (including attempts to access or use); or (b) availing of or acquiring any or all of the goods, services or products advertised or available on or via such websites. You are reminded that the use by you of any such third party websites is at your sole risk.

8.2
This Website contains hypertext links to websites maintained by members of the Bank of Ireland Group other than Bank of Ireland UK. You are reminded that different terms and conditions of use may apply to you as a user of such websites.

8.3
No third party is permitted to create a link from another website to this Website without the prior written consent of Bank of Ireland UK.

  1. Security

At the Bank of Ireland Group, we are committed to ensuring the privacy of your information and seeking to attain the highest standards of security at all times. However, you should note that messages and information passing over the internet may not be free from interference by third parties and should be independently verified. You should never disclose data over the internet unless you have satisfied yourself as to the security of the related technology/encryption.

A number of banking organisations and their customers have recently been the target of hoax e-mails that are aimed at gathering internet/account details of the customers. Some of these hoax e-mails have encouraged or facilitated contact with hoax websites that purport to be (but are not) the website of the relevant banking organisation. To date, the occurrence of such online fraud has not been extensive. However, we would always advise you to be cautious as regards disclosing your personal details. In particular, you should note that we will only ever request your personal details if: (i) you are seeking to initiate e-mail contact with us via this Website; or (ii) you initiate a request for a particular service via this Website and we require certain of your personal details to provide you with the requested service.

Please note that the Bank of Ireland Group cannot guarantee the privacy or confidentiality of information relating to you that passes over the internet. In accessing this Website and in availing of any of the services/information available on or via this Website, you are deemed by virtue of 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.

  1. Privacy Policy

The Bank of Ireland Group will use your personal data in the manner set out in the Privacy Policy. However, in the event of a conflict between the Privacy Policy and these Terms and Conditions of Use, these Terms and Conditions of Use shall prevail.

  1. General disclaimer of liability

11.1
Nothing in these Terms and Conditions of Use excludes or limits our liability for any liability that cannot be excluded or limited by law.

11.2
No member of the Bank of Ireland Group (or any other person involved with the provision and maintenance of this Website) accepts any responsibility for the accuracy or completeness of the information provided on this Website. Use of such information is at the user’s sole risk. No member of the Bank of Ireland Group accepts any liability for any loss or damage of any nature, including but not limited to loss of profits, goodwill, or any other 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, or inability to use, 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.

11.3
The Bank of Ireland Group makes no representation or warranty or undertaking of any kind in relation to the analysis or information contained on this Website or the completeness or accuracy of such information.

11.4
No member of the Bank of Ireland Group accepts any responsibility or liability arising from any cause or causes beyond its reasonable control including (without limitation) acts of God, acts of Government or regulatory authorities, war, fire, flood, explosion, terrorism, riot or civil commotion or non-availability, non-functioning or malfunctioning of activities, internet service provider(s) or broadcast telecommunications or other systems and services.

  1. Right of Bank of Ireland UK to information on this Website

The information contained on this Website may not be copied, transmitted, amended or reproduced in any form whatsoever without the prior written consent of Bank of Ireland UK.
The Bank of Ireland Group reserves the right to reject hard copies of forms printed from this Website. The Bank of Ireland Group agrees only to be bound by the provisions as they appear on this Website and will not be bound by any amendment made to these by any other party.

  1. Attempted use of Website

These Terms and Conditions of Use shall also apply, subject to alteration as necessary, to attempted access of this Website and attempted use of any information contained on it.
Communications passed over the Internet may not be received by the intended recipient within a reasonable time or at all. If instantaneous communication or acknowledgement of receipt of message is of sufficient importance, the user should confirm the communication by alternative means. No Internet communication or series of such communications shall be capable of constituting a legally binding contract between the user and the Bank of Ireland UK or any other member of the Bank of Ireland Group. You should not disclose data over the Internet unless you have satisfied yourself as to the security of the technology/encryption.

  1. Viruses

We do not guarantee that this Website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access this Website. You should use your own virus protection software.
You must not misuse this Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this Website at any time, the server on which this Website is stored or any server, computer or database connected to this Website. You must not attack this Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you are committing a criminal offence under the Computer Misuse Act 1990.

  1. General

15.1
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 law.

15.2
Clause headings in these Terms and Conditions of Use are for reference purposes only and shall not be used to construe or determine the meaning of any or all of these Terms and Conditions of Use.

Our company status

The Governor and Company of the Bank of Ireland is one of the world’s longest established banks, with a trading history of over 220 years. The Bank of Ireland Group has had a strong presence in the UK mortgage market for many years; in 1987 it started lending through Bank of Ireland Home Mortgages Limited and then acquired Bristol & West Building Society in 1997.

In 2009 The Governor and Company of the Bank of Ireland consolidated its existing UK mortgage businesses under the trading name “Bank of Ireland Mortgages”.

In November 2010, the Bank of Ireland Group established a regulated UK subsidiary – Bank of Ireland (UK) plc – to strengthen its presence in the UK as a provider of banking products and services. All Post Office® mortgages are now provided and administered by Bank of Ireland (UK) plc.

All our UK mortgage customers are managed from our UK mortgage administration centre in Bristol. We are committed to providing our customers with great service whatever your requirements.

Our legal and regulatory status

This website is also for the use of UK customers whose mortgage is with the Bank of Ireland Group. We provide and administer mortgages in the UK through “Bank of Ireland Mortgages” and “Bank of Ireland UK”.

Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland (UK) plc is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE.

Bank of Ireland Mortgages is a trading name of the UK branch of the Governor and Company of the Bank of Ireland (with branch number BR000459) which is authorised by the Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request. The registered office of the UK branch of the Governor and Company of the Bank of Ireland is 1 Temple Back East, Temple Quay, Bristol, BS1 6DX.

To find out if your mortgage is with Bank of Ireland Mortgages or Bank of Ireland UK, or if you have any queries relating to our UK mortgage products or services, please contact our UK administration centre at:- Bank of Ireland, PO Box 3191, 1 Temple Quay, Bristol, BS1 9HY. Telephone: (0117) 979 2222. Fax: (0117) 929 3787.