LEGAL STATEMENT AND DISCLAIMER

Introduction

This website (www.truthbank.ie (the "Website") is purely informative in nature. If you are interested in applying for a product or service from RaboDirect, you must instead go to RaboDirect's website: www.rabodirect.ie and follow the instructions on that website. (But if you have something on your mind, and you need to tell someone, then this is the website for you!)

By continuing with your visit to this Website, you are deemed to confirm that you have read this Legal Statement and Disclaimer carefully, and have accepted it in full. If you do not agree with any part of this Legal Statement and Disclaimer, please do not continue to access or use this Website. (OK, it might be a little boring, but please read it as we really don't want you leaving this Website).

In this Legal Statement and Disclaimer, a reference to "us" or to "we" or to "our" is a reference to RaboDirect and Brando, the advertising agency that provides certain services to RaboDirect in relation to this Website.

Terms of Use

Before using this Website, you should read the Terms and Conditions of Use (contained on this Website) carefully. If you continue to access or use this Website, you will be deemed to have accepted those Terms and Conditions of Use.

They set out clearly the ownership of any intellectual property relating to this Website. The Terms and Conditions of Use also clearly state what you can, and cannot, do when accessing or using this Website (but don't contain anything sneaky, we promise; if you don't agree, let us know!).

No Offer

The information contained on this Website does not constitute any form of offer, advice, solicitation or recommendation. We respect and comply with all applicable privacy laws. Please see our Privacy Policy (contained on this Website) for further details.

Content of Website

Some of the content of, and functions on, this Website comes from third-party sources. Other content is posted by users of this Website (by 'users', we mean you!). Where the content and/or functions are provided by third-party sources, you may be provided with links to files provided to us by them, with hyperlinks to external websites, or with the ability to forward content from this Website using functions provided by them. You acknowledge and agree that under no circumstances can, or will, we be held responsible for the content of such files or websites, or the manner in which such content is forwarded (after all, its tough enough to manage this Website and files, let alone someone else's). You also acknowledge and agree that under no circumstances can, or will, we be held responsible for any content posted to this Website by its users or the manner in which such content is forwarded using functions provided by third-part sources. We will not be liable for any loss or damage whatsoever arising from access to, or use of, those files, websites, content or functions. You accept that by accessing such a file, accessing another website using a hyperlink, relying on content posted by users of this Website or forwarding information using functions provided by third-party sources and available on this Website, you do so at your own risk and only you are responsible for this. We do not represent or warrant that use of that file, external website, content or function will not cause damage to property, including but not limited to loss of data or computer virus infection. The content of such files, websites, content or functions is based on other information sources (not connected to us) who are instead responsible for the accuracy and/or completeness of those files, websites, information sources, content or functions. (In short, we aren't taking the hit for anything that isn't our fault, which is only fair we think. We wouldn't expect you to either.)

Posting

All comments made, and views expressed, in posts on this Website are purely the personal views of the authors (even if the author is employed by us). No responsibility will be taken by us for the content of any post, neither do we represent or warrant the content of any post. We reserve the right, in our sole discretion, not to publish any submitted post(s), and to remove any post(s) that may, in our opinion, contain illegal, incorrect or potentially offensive content. Please note that we may actively monitor the content of all submitted posts. (Remember, they are your truths. However, if they are rude, or just plain rubbish, we can also remove them. Again, only fair we think.)

No Advice

RaboDirect does not offer financial or other advice, and suggests that you seek independent advice before availing of any financial product or service (whether from RaboDirect or otherwise). RaboDirect believes that the person who best understands your financial needs is you. The decision as to whether or not to avail of any financial product or service (whether from RaboDirect or otherwise), or to take any action or refrain from taking any action, is yours alone. RaboDirect is not liable for any loss you may suffer if you act, or do not act, on the basis of content contained on this Website. (Some of the truths you might read on this Website could get you into trouble. For example, laughing at people who fall over might be funny, but we do not encourage you to trip anyone.)

Changes

Please note that the contents of this Website, including this Legal Statement and Disclaimer, are subject to change by us without notification to you. The information contained on this Website may be updated from time to time and may, at times, be out-of-date. We do not accept any responsibility to you for keeping the information on this Website up-to-date, or any liability for any failure to do so. (No one can predict the future after all, or at least we don't think so?)

Exclusions and Limitations of Liability

On no account can we be held responsible for losses arising from any of your acts based on information provided by us or by users of this Website. You alone are responsible for your choices and for your use of such information. You are obliged to follow our instructions on use of such information as set out on this Website from time to time. We shall not be liable for any losses or damages arising from any use or interpretation of the content of this Website, or any other losses or damages incurred by you. (We are not responsible for your actions, or for what you wear to work either!)

We cannot be held responsible for hyperlinks that third parties or external websites create to this Website. This is beyond the scope of our supervision or control and is subject to the same exclusions of liability as set out above. You are also reminded that when you enter such sites, you will be subject to the terms and conditions of those sites, and when you access files provided by third-party sources, you will be subject to the terms and conditions of those third-party sources. (Its kinda like when you go on holiday to a foreign country. You need to obey their rules or you could end up on "Banged Up Abroad": http://en.wikipedia.org/wiki/Banged_up_abroad.)

The contents of this Website are being made available to you on an 'as is' basis. We do not make any representations or warranties to you, whether express or implied. We exclude any liability for any part of the information provided on, or accessible through, this Website. We also exclude any liability for any computer viruses, unauthorised access, defect, tampering, intervention, fraud, theft, delay or event outside our control which may affect any part of this Website, in each case to the extent permitted by law. Neither we nor any of our respective agents, officers, employees, group members, advisors or affiliates shall be responsible for any loss or damage arising out of any of the foregoing events, or from the use by you of this Website. (You use this Website at your own risk, but there is no quicksand, honestly.)

You may not use this Website for any illegal or unlawful purpose, in any manner that could interfere with another party's use or enjoyment of this Website, or in any manner that could damage this Website. (We spent a lot of time building this Website, so please don't go and break it now!)

Queries and Complaints

Your views are important to us, and we encourage feedback (both good and bad) from users of this Website. If you have a query or a complaint, please email support@truthbank.ie. (We'd love to hear from you.)

Governing Law

Our relationship with you is governed in all respects by Irish law. In the event of a dispute or claim arising in relation to, out of, or in connection with the terms of use of this Website, the content of this Website and any use that is made of that content, the Irish courts shall have jurisdiction, subject to our right to institute proceedings in respect of any such dispute in any other competent court. (This sounds really serious, but let's hope it never comes to this.)