1.1 User obligation
The Site, www.ipb.ie (the “Site”) is owned and operated by IPB Insurance CLG, trading as IPB Insurance, a company registered in Ireland with company number 7532 and having its registered office at 1 Grand Canal Square, Grand Canal Harbour, Dublin D02 P820, Ireland. Please ensure that you (referred to as the “User”, “you” or “your”) read these terms and conditions carefully, they are the terms of use for the Site as provided by IPB Insurance (the “Terms”). These Terms were last updated on 04 November 2016.

Use of the Site constitutes your acknowledgement and acceptance of these Terms, which take effect on the date on which you first use the Site. IPB Insurance reserve the right to change these Terms at any time by posting changes online and it is your responsibility to refer to and comply with these terms on accessing the Site. Your continued use of the Site after changes are posted constitutes your acceptance of these Terms as modified.

If these Terms are not accepted in full, you do not have permission to access the contents of this Site and therefore should cease using the Site immediately. If there is any conflict between these Terms and rules and/or specific terms of use appearing on the Site relating to specific material then the latter shall prevail.

Access to parts of the Site may be restricted to registered users and further terms and conditions may apply such registered users, which the User will be asked to accept within the relevant pages.

1.2 Acceptable Use
It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of this Site. In general, IPB Insurance will not tolerate any use of the Site which damages or is likely to damage the availability or integrity of the Site. We therefore request you to treat our Site with respect, and not to use the Site for any illegal purpose, or in such a way as to infringe or breach other’s rights or to cause or threaten to cause us damage. We also ask you to comply with any relevant notices, policies and terms imposed by third parties whose website, products or services you may access through the Site.

We reserve the right to suspend the use of the Site generally or block your access to any part of the Site and/or to suspend or terminate your rights to use the Site or any part of it if we suspect misuse. We shall then report any misuse of the Site to the relevant enforcement or other authorities and to our legal advisers. We further reserve the right to disclose any evidence we have which relates directly or indirectly to misuse of this Site.

1.3 Copyright
All materials incorporated in or accessible through the Site, including, without limitation, text, photographs, images, graphics, illustrations, logos, button icons, audio clips, video clips, software, and other content, and the compilation, collection, arrangement, and assembly thereof (including the look and feel of the Site), are protected by Irish and international copyright laws, and are owned, controlled or licensed by IPB Insurance, or by the original creators of such materials or their permitted licensors. All such rights are reserved. Such materials may be used only for viewing the Site in the ordinary course or as a resource for reviewing the services offered through the Site but any other use of such materials, including any copying, reproduction, modification, sale, distribution, extraction, re-utilisation, transmission, republication, downloading, display, posting, performance, or other exploitation thereof by any means or medium without the prior written permission of the copyright owner is strictly prohibited. We do not warrant, and we disclaim all liability in respect of, the accuracy of any of the information, images, photographs or any other material provided by third parties to the Site. All trademarks on this site, such as IPB Insurance, may not be used without our prior written permission.

Subject to these Terms, we grant you a non-exclusive, non-transferable, limited right to access and use the Site and the material displayed thereon. However, no right, title, or interest in any such materials will be granted or transferred to you as a result of any permitted use of such materials. You may print off one copy, and may download extracts, of any page(s) from the Site for your personal reference. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material on the Site must always be acknowledged. You must not use any part of the materials on the Site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of the Site in breach of these terms of use, your right to use the Site will cease immediately. You must, at our option, return or destroy any copies of the materials you have made.

1.4 Disclaimers of Warranties
Use of this Site is free and we take steps to ensure it is available to all permitted users, including disabled users. We do not warrant that the Site will be continuously available, or that your use of the Site will be uninterrupted or error-free, or that the Site and server will be free from attack.

THIS SITE IS PROVIDED BY IPB INSURANCE ON AN “AS IS” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IPB INSURANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED. NEITHER IPB INSURANCE, NOR ANY OF ITS RESPECTIVE LICENSORS, LICENSEES, SERVICE PROVIDERS OR SUPPLIERS WARRANT THAT THE SITE OR ANY FUNCTION CONTAINED IN THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. IPB INSURANCE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF THE SITE OR ANY THIRD-PARTY SITE ACCESSED THROUGH THE SITE IN TERMS OF THEIR TIMELINESS, RELIABILITY, OR OTHERWISE AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT OR MATERIAL.
These disclaimers apply to the fullest extent permitted by law.

1.5 No damage arising from use
To the fullest extent permitted by law neither IPB Insurance nor any of its directors, employees or agents will be liable for damages arising out of or in connection with (a) the use of, or inability to use, the Site, (b) the content of the Site or websites linked to the Site (c) unauthorised access to or alteration of your transmissions or data (d) statements or conduct of any third party on the Site; or (e) any other matter relating to the Site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income, revenue, profit or contracts, goodwill, anticipated savings or other intangible losses (even if we have been advised of the possibility of such damages).
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

1.6 Links
Links to the Site must be direct to any complete content page (and not any part of a page) within the Site and must not be viewed within the pages of any other site. IPB Insurance disclaims all liability for any legal or other consequences (including for infringement of third party rights) of links made to the Site.

The Site may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by IPB Insurance of the content on such third-party websites. IPB Insurance 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 third-party websites. If you decide to access linked third-party websites, you do so at your own risk and in accordance with the prevailing terms and conditions of such third-party sites.

1.7 Data Protection
We are committed to protecting your privacy and security. All personal data that we collect from you will be processed in accordance with our Data Protection Notice. You should review our Data Protection Notice, which is incorporated into these Terms and Conditions by this reference and is accessible via activating this link.

In accessing this Site, the User accepts that information passing over the Internet may not be free from interference by third parties. In consequence, IPB Insurance cannot guarantee the privacy or confidentiality of any information relating to the User passing over the Internet. The User shall be responsible for your communications to this Site, including its lawfulness, truthfulness and accuracy.

1.8 Indemnity
You agree to indemnify and keep indemnified IPB Insurance from and against all claims, damages, expenses, costs and liabilities arising in any manner from your entry to and use of the Site other than in accordance with these Terms.

1.9 Law and jurisdiction
If any of these Terms should be determined to be illegal, invalid or otherwise unenforceable by reason of the law of any state or country in which these Terms are intended to be effective, then to the extent and within the jurisdiction in which that Term is illegal, invalid or unenforceable, it shall be severed and deleted from that clause and the remaining Terms shall survive and continue to be binding and enforceable.

These Terms shall be governed by and construed in accordance with the laws of Ireland. Disputes arising from here shall be exclusively subject to the jurisdiction of the courts of Ireland.

IPB’s contact details
IPB Insurance, 1 Grand Canal Square, Grand Canal Harbour, Dublin D02 P820.
Tel: +353 1 639 5500
Fax: +353 1 639 5510
Email: info@ipb.ie