This document contains the terms and conditions applicable to our Online Banking Service (the "Service"). By using the Service you are agreeing to be bound by the terms and conditions outlined below (the "Terms").
The Terms apply to any customer (referred to as "you" and "your") and to the Bank of Ireland UK and its successors and assigns (referred to as "we", "us" or "our") which provides the Service.
Some words in the Terms have certain meanings:
1.1 Your Account has its own terms and conditions which may be relevant to the Service. If there is a conflict, the terms and conditions that apply to your Account take precedence over these Terms.
Your electronic acceptance of these Terms shall be deemed valid, authentic and will have the same legal effect as if you had signed a physical contract. You agree to receive any electronic message that is sent in the course of providing the Service to the latest e-mail address that you provided to register for the Service.
By agreeing to these Terms, you agree to receive notices and disclosures from the Bank and/or the Service Provider in connection with the Service in an electronic email form and you agree not to block receipt of such communication. You also agree to update your details through the Service if there is any change in your e-mail address with respect to the Service.
2.1 The Bank has arranged for the provision of the Service to be carried out by the Service Provider.
2.2 To register to use the Service you must have at least one Account. You can register your Account and activate access via our website click here using the security details set out below. You must do this before you can use the Service.
3.1 The Service allows you to:
3.2 The balances on your Accounts are those at the close of business on the previous Business Day.
3.3 Any Account balance available through the Service is for information purposes only and may be subject to adjustment as transactions progress through the Visa and MasterCard clearing and payment systems. If you need to rely on a balance you can use the Service to view or download or print your eStatements.
4.1 When using the Service you can only make payments into your Account.
4.2 If we agree to make a Balance Transfer to your account, the transfer of funds can take up to 15 Business Days. The terms and conditions of Balance Transfers will vary, depending on the offer available to you at the time. The terms and conditions of Balance Transfers are available in your standard terms and conditions.
4.3 All payments and Balance Transfers will be made in Euros.
4.4 We may refuse to carry out any payment or Balance Transfer if we have reasonable doubts about:
5.1 While we take reasonable security precautions, the nature of communication by the internet is such that we cannot guarantee the privacy or confidentiality of information relating to you passing over the internet. In using the Service you accept that electronic mail messaging may not be free from interference by third parties and may not remain confidential. You use our Service entirely at your own risk.
5.2 To register for the Service log on to Credit Care, provide a username and password and enter your Account number and security information. You will need this username and password each time you log on to access the Service. You should check and confirm that the details you have entered are correct. Once you have registered we will send you a confirmation email to the email address you have provided at registration.
5.3 To help prevent fraud and protect the Service you must:
5.4 You must check your statement carefully and tell us immediately if you think it contains any errors.
5.5 You must tell us immediately if you think we have made any other mistake in the operation of the Service.
5.6 If you act fraudulently in relation to your Account you will be liable for all losses. If you act without reasonable care and losses are caused, you may be liable for them. We may decide that you have not acted with reasonable care if you fail to follow the security safeguards set out in clause 5 or elsewhere in the Terms.
6.1 If you break any of these Terms we may take reasonable and proportionate steps to protect our position; for example, by terminating, suspending or restricting your use of the Service.
6.2 We will take reasonable steps to ensure the Service is provided to a good standard. However, you accept that it is not currently technically possible to provide an internet service without interruption or downtime.
6.3 We will not be liable for any delay, suspension or restriction in the Service in performing any of our obligations where such delay or failure arises because of:
7.1 The Service is currently free of charge. You agree to pay any charge that we make for the Service. Any such charge will be reasonable and proportionate to the amount of work that we have to do. We will advise you in writing of the introduction of a charge not less than 30 days in advance and you will be given the option to discontinue your use of the Service.
7.2 We will debit your Account with charges unless you make a different arrangement with us.
8.1 These Terms may be changed by us to:
8.2 Where any change to these Terms is to your disadvantage (or if it is not clear whether or not it is to your advantage or disadvantage) we will notify you at least 30 days before it takes effect either by an announcement on the website (to which we will draw your attention by email alert) or by email or by letter. You may terminate your access to the Service by immediate written notice and without charge if you wish.
8.3 If a change is clearly to your advantage we may make the change immediately and announce it on the website within 30 days.
8.4 An accidental error or omission in telling you about a change to these Terms shall not invalidate the change.
8.5 We will make the current version of these Terms available on the service website.
9.1 Your access to the Service will be withdrawn if we are notified that you have been made bankrupt, or we have received notification of your death.
9.2 You may end your access to the Service by writing to us.
9.3 We may withdraw the Service from you by giving you 30 days’ notice. We can also withdraw the Service from you without any notice if:
9.4 Notwithstanding the termination of the Agreement or the withdrawal of the Service, these Terms and the terms and conditions applicable to your Account will remain in force until any monies due by you to us are paid in full.
10.1 If you have a complaint, we want to know. In the first instance you should contact our Customer Service Centre on 1890 251 251 and they will be happy to help. If you would like full details of our Complaints procedure, we will provide these to you on request. If we are unable to resolve your complaint within five Business Days, we will respond to your complaint in writing, or, if we hold an email address for you, you agree we may respond by email.
11.1 You and we agree that these Terms shall be governed by, and construed in accordance with, the law of Ireland and the only courts to have jurisdiction over any dispute relating to the Service will be the courts of the Republic of Ireland.
12.1 We may record instructions received from you by telephone for security reasons and you accept that any recording may be used as evidence in the event of a dispute between you and us.
13.1 If you wish to cancel the Service you can do so by deleting the Accounts registered for the Service on the Bank of Ireland website.
14.1 You are responsible for maintaining the confidentiality of the Service profile and your password and should never share them with anyone, other than an authorised TPP if using their service(s). You are responsible for any and all activities that occur in relation to your profile and password.
If the Service has been used fraudulently, you must immediately notify us and we will need to cancel your and reissue the Card for the Account registered. You may advise us free of charge via the Freephone number listed on our website www.bankofireland.com
You will also need to change access passwords. The Bank has the right to interrupt or restrict the Service without notice if we suspect that any unauthorised, illegal or fraudulent activity is being performed through the Service. In the event we suspect or detect any fraud or unauthorised activity on your Account, or being performed through the Service we will advise you and/or the relevant cardholder via phone call, SMS message or email as appropriate.
If we deem it necessary we may block your Account and/or any card issued on the Account and will advise you and/or the relevant cardholder of the block and how it may be removed. You agree to cooperate with the Bank in any fraud investigation.
15.1 The information appearing on the other pages of our website is not an offer or solicitation of investment, financial or banking services to you and is provided for information only.
15.2 We claim copyright over the information contained in our website pages which may not be copied, transmitted, converted, transcribed or reproduced by you without our prior written consent.
Effective date: 13 January 2018