Terms & Conditions

Terms & Conditions

Access to this website and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important and are for the protection of both you and Sarsfield Credit Union Limited. Please take the time to read the terms and conditions carefully. By accessing and using the site you will be deemed to have accepted these terms and conditions. If you do not agree to be bound by these terms and conditions you may not continue to access and use this website or any of the features hereon.

Please note that these terms and conditions were amended on 25th September 2015. Sarsfield Credit Union Limited reserves the right to amend these terms and conditions without notice to you. It is your responsibility, and a fundamental requirement to use this website, to regularly read these terms and conditions and to inform yourself of any amendments.

Definitions:

In these terms and conditions the following terms shall have the meanings indicated:

  • “Terms and Conditions” – means the terms and conditions of use and/or access of this website.
  • “Privacy Policy” – means our statement of practice as regards the privacy and security of your information when accessing and/or using this Website and any of the features hereon.
  • “Cookies Policy” – means our statement of practice as regards the use of cookies by this website.
  • “The Website” – means this website, primarily but not exclusively accessed through the web address; http://www.Sarsfieldcu.ie
  • “You” and “User” and “Visitor” – means any and all natural persons, as well as persons operating any and all computers, machines, “bots”, etc. accessing or using this website and/or availing of any information and/or services available on or via this website.
  • “Member” – means any person who holds an account or accounts with Sarsfield Credit Union Limited subject to terms and conditions of membership who uses this website.
  • "We”, “Our” and “Us” – means Sarsfield Credit Union Limited.

 

Governing Law and Jurisdiction:

Information appearing on this website 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 website. The courts of the Republic of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with these terms and conditions, 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 the Republic of Ireland. The distribution of information on this website may be restricted by local law or regulation in certain other jurisdictions. The 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 the website can be lawfully used by you, your continued access or use of the website is prohibited.

General Terms and Conditions:

While we have made all reasonable efforts to ensure that the information on the website is accurate at the time of inclusion we do not make any warranties, undertakings or representations as to the completeness, accuracy or reliability, availability, performance or functionality of the website or any of its contents. We neither accept nor assume any responsibility to you in relation to the contents of the website and we exclude all warranties, undertakings and representations (either express or implied) to the fullest extent permitted under applicable law. Any opinions or comments expressed on the website reflect our judgement at the date of issue and are subject to change without notice.

Any pricing is indicative and does not, and is not intended to, constitute either an offer to buy or sell or a representation that a purchase or sale can be effected at that price or rate. The information contained in the website is for information purposes only and is not an invitation or offer to invest in any securities or other financial instruments of Sarsfield Credit Union or any other company or an invitation or offer to buy or sell any other products or services or otherwise deal in any of these or enter into a contract with Sarsfield Credit Union or any third party. The information provided does not constitute any form of advice, recommendation or arrangement by Sarsfield Credit Union and should not be relied upon by you in connection with any financial or other decision.

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

Sarsfield Credit Union shall not be liable to you or to any person claiming through you for any loss or damages of any nature suffered including but not limited to loss of income or anticipated savings, loss of profits, goodwill or any type of financial, punitive or exemplary, indirect or direct, consequential, special or similar loss or damages howsoever arising whether in contract, tort or otherwise and incurred and arising as a result of use of or inability to use this website.

This website contains hypertext links to: (i) associated websites maintained by Sarsfield Credit Union and you are warned that when you enter such websites, you will be subject to the terms and conditions of those websites which may differ from the terms and conditions of this website; and (ii) websites not maintained by Sarsfield Credit Union and you are warned that when you enter other websites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protections afforded to you in using this website. Sarsfield Credit Union Limited will not be liable in any way for the content, availability or use of such third party websites. Sarsfield Credit Union Limited hereby disclaims all liability for the content of such websites and for any damages arising from your use or access of such websites. Take notice; you use such links to such websites entirely at your own risk.

No third party is permitted to create a link from another website to this website without the prior written consent of Sarsfield Credit Union.

Please note that Sarsfield Credit Union 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 and/or information available on or via this website, you are deemed by these terms and conditions to accept that electronic mail messaging and Internet communication may not be free from interference by third parties and may not remain confidential. Sarsfield Credit Union policy in this regard is set out in the privacy policy.

Subject to the Data Protection laws of the Republic of Ireland, Sarsfield Credit Union may collect and store information arising from your access or use of the website. Sarsfield Credit Union policy in this regard is set out in the cookies policy.

Save where otherwise appearing, the intellectual property rights and all other rights relating to the content (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) of this website belong to Sarsfield Credit Union.

The intellectual property rights and all other rights relating to content which is supplied in this website under licence to Sarsfield Credit Union belongs to the relevant licensors. Sarsfield Credit Union and its licensers retain all right, title, interest and intellectual property rights in the content of this website. Sarsfield Credit Union Limited grants personal users permission to browse this material (including making such copies in RAM or other temporary storage device necessary to facilitate such browsing).

You may not use this website in such a way so as to compromise the privacy of others, to impersonate another person or for purposes which are immoral, illegal or which destroy the integrity of any data or other computer based information or which would violate local or national laws of any country or the European Union.

In the event that any provision in these terms and conditions 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 Republic of Ireland.

Sarsfield Credit Union reserves the right to suspend or withdraw access to the website as a whole and/or any one or number of the services hereon without notice at any time and accepts no responsibility for the website not being available at all times.

Privacy Policy

The privacy policy should be read in addition to the terms and conditions of this website and is subject to them. If there is any conflict between the privacy policy and the terms and conditions, the terms and conditions shall prevail.

Sarsfield Credit Union is committed to ensuring the privacy of your information. We understand that as a member or visitor using the website, the privacy and the security of your information is very important to you. The purpose of our privacy policy is to outline Sarsfield Credit Union’s practices in this area.

The contents of this privacy policy are subject to change and to being updated without notice from time to time. Please read them regularly, as it will be your responsibility to keep yourself informed of any amendments.

When you visit the website and browse through it, our web server collects information about your visit, not necessarily about you personally. We gather and monitor statistics such as, for example:

  • the number of people who visit the website
  • the date and time of visits
  • the number of pages viewed
  • the amount of time spent on the website
  • the most popular sections of the website

 

Having access to statistics like how many people visit the website, which sections of the website are most popular with our visitors and the length of time visitors spend browsing the site is of enormous benefit to us in understanding our visitors needs and improving the service we provide to you.

The information we collect is completely anonymous and we make no attempts to identify visitors to our site. We only ask for personal information from which you can be identified where you request a service from us and the information is required for particular purposes e.g. applying online for a loan or to register for online banking. Examples of details that may be sought include your name, address, e-mail address, etc.

All information provided to us by you will be treated with the utmost confidentiality in accordance with all applicable legislative and regulatory standards such as the Data Protection Acts. If you ever decide that you no longer wish us to keep or use information or you want the information to be revised or updated, please feel free to contact us. We will remove or amend the information as appropriate in accordance with applicable legislative and regulatory requirements.

Sarsfield Credit Union will not divulge member information to a third party unless we have received member authorisation or we are required to do so by law. Sarsfield Credit Union Limited understands how important the security and confidentiality of your information is to you. Keeping member information secure is a top priority for us. Our goal is to protect your information on the Internet in the same way as we would over the phone, in branch or at our ATMs. However, as electronic communications are open to fraud, Sarsfield Credit Union cannot guarantee the privacy or confidentiality of information relating to you passing over the Internet.

Sarsfield Credit Union will never request personal information from you by e-mail. Never respond to an e-mail you suspect may be fraudulent. If you have any concerns please call into a branch or contact Sarsfield Credit Union Limited on 061 362 145

Under the Data Protection Acts you have the right of access, subject to certain exemptions, to personal information we hold about you on our records on payment of a nominal fee (currently €6.35).

You can exercise this right by writing to Sarsfield Credit Union, Glentworth Street, Limerick. If anything is inaccurate or incorrect, please let us know and we will correct it. There is no fee for this.