Terms of Use Agreement

www.riaionline.com (the "Website")

Please read these Terms of Use carefully before you start to use this website (www.riaiinsurance.com). These Terms of Use (together with the Privacy Statement) tell you the conditions on which you may make use of this Website. We may change these Terms of Use from time to time. You should check these Terms of Use every time you access this Website. By using our Website, you are agreeing, and you are signifying your agreement, to be bound by these Terms of Use (together with the Privacy Statement).

INFORMATION ABOUT US

This Website is owned by RIAI Insurance Services Limited (“We”, “Us”, “Ourselves” or any generic term or phrase). We are registered in Ireland under company number 124700 and have our registered office at 8 Merrion Square, Dublin 2. RIAI Insurance Services Limited is authorised and regulated by the Irish Financial Regulator (Registration Number: C35468). Your insurance policy is being underwritten by CFC Underwriting Limited (company number: 3302887) with an address of Bevis Marks House, Bevis Marks, London EC3A 7JB. CFC Underwriting Limited is authorised and regulated by the UK Financial Services Authority.

ACCESSING OUR WEBSITE

Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Website without notice. From time to time, we may without liability restrict access to some parts of our Website, or our entire Website. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to, or permit its use by, any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use. You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.

INTELLECTUAL PROPERTY

All material contained on this Website is our property or the property of our third party licensors. All such intellectual property rights in this Website are reserved. We grant you a limited licence to access any part of the Website you are authorised to access for the sole purpose of obtaining information concerning and/or purchasing a contract of insurance. You may not use the Website or any of the content for any other purpose whatsoever.

INFORMATION ABOUT YOU AND YOUR VISITS TO OUR WEBSITE

We process information about you in accordance with our Privacy Statement. By using our Website, you consent to such processing and you warrant that all data provided by you is complete and accurate. In the event that RIAI Insurance Services Limited undergoes reorganisation or is sold to a third party, any personal information which RIAI Insurance Services Limited holds about you may be transferred to that reorganised entity or third party, provided that their usage of it remains in accordance with our Privacy Statement.

DECLARATION

You declare that in submitting any information about your business for the purposes of obtaining insurance:

1. you act as an agent of your business; and
2. you are authorised to provide the information requested to obtain a quotation.

1. to the best of your knowledge and belief, having made all appropriate enquiries, the information that you supplied to us to obtain insurance is true and complete and no material facts have been mis-stated or suppressed; and
2. you undertake to inform us of any material alteration to the information provided (and of which you are aware or ought reasonably to have been aware) which occurs before any contract of insurance based on such information commences. Reference to your "business", applies whether your business is a company, partnership or you are a sole trader.

TRANSACTIONS CONCLUDED THROUGH OUR WEBSITE

Any insurance contract that is brought about using this Website is subject to the policy terms in place at the time that that contract is purchased, which are available here

You undertake not to bring any action, claim or proceedings or raise argument that any of the Insurance Business is validly conducted and / or bound using the Website.

LINKS TO OTHER WEBSITES

Links to third party websites on this Website are provided solely for your convenience. If you use these links, you leave this Website. We do not control and are not responsible for these websites or their content, accuracy or availability. We therefore do not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. Prior to using the services provided by other websites you should always read the relevant "Terms of Use".

LIABILITY AND DISCLAIMERS

This clause limits our legal liability to you for your access to and use of the Website You should read this clause carefully. You acknowledge that you have entered into these Terms of Use relying on the disclaimers stated herein and that those disclaimers are an essential basis of this contract Nothing in these Terms of Use is intended to limit any rights you may have as a consumer under common law or other statutory rights which may not be excluded. We exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including, without limitation, negligence), contract or otherwise) in connection with:

1. the use, inability to use or the results of use of this Website, any third party websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website; or
2. your downloading of any material from this Website or any websites linked to this Website.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraud, nor any other liability which cannot be excluded or limited under applicable law. You should carefully review the contents of any certificate, schedule, endorsement, proposal form, or other documents originated via this Website and notify us immediately if any information set out therein is incorrect. Failure to do so may invalidate all or part of the insurance cover provided. The Website is available to all users "as is" and, to the greatest extend permitted by applicable law, the Website is made available without any representations or warranties of any kind, either express or implied. All use by you of the Website is at your own risk. You assume complete responsibility for, and for all risk of loss resulting from, your use of, or referring to or relying on the services, materials or products provided on or through the Website, or any other information obtained from your use of the Website. You agree that, to the maximum extent permitted by applicable law, we will not be liable for damages arising out of your use or your inability to use the Website, and you hereby waive any and all claims with respect thereto, whether based on contract, tort or other grounds. We make no representations, warranties or undertakings that the Website, or the server that makes it available, will be free from defects, including, but not limited to viruses or other harmful elements. to the maximum extent permitted by applicable law, We accept no liability for any infection by computer virus, bug, tampering, unauthorised access, intervention, alteration or use, fraud, theft, technical failure, error, omission, interruption, deletion, defect, delay, or any event or occurrence beyond the control of us, which corrupts or effects the administration, security, fairness and the integrity or proper conduct of any aspect of the Website. No advice or information, whether oral or written, obtained by you from us shall be deemed to alter this disclaimer of warranty, or to create any warranty.

INDEMNITY

You agree to indemnify and keep fully and effectively indemnified and hold us, our officers, directors, employees, agents, subsidiaries, affiliates, suppliers and any of our third party information service providers harmless from and against any and all liabilities, claims, demands, obligations, losses, expenses, damages, penalties, actions, judgments, suits and costs of any kind or nature whatsoever (including legal costs) resulting from any violation or breach by you of these Terms of Use and/or any abuse or misuse by you of the information or facilities on this Website.

AVAILABILITY

Although we endeavour to ensure the Website is available at all times, there may be occasions when interruption to the Website may occur, e.g. to allow maintenance, upgrades and emergency repairs to take place, or due to failure of telecommunications links and equipment that are beyond our control. You agree that we shall not be liable to you for any loss incurred by you resulting from the modification, suspension or discontinuance of the Website.You have sole responsibility for adequate protection and back up of any content and data you submit to the Website and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

GOVERNING LAW

These Terms of Use and your use of this Website shall be governed by and construed in accordance with the laws of Ireland and any disputes arising out of or in connection with these Terms of Use or your use of the Website shall be subject to the exclusive jurisdiction of the Irish courts. Any changes we may make to these Terms of Use in the future will be posted on this page and, where appropriate, notified to you by email. This may include (without limitation) changes to how we use your data.

SEVERABILITY

If any part of these Terms of Use is found by a Court of competent jurisdiction or other competent authority to be invalid unlawful or unenforceable then such part will be severed from the remainder of these Terms of Use and the remaining Terms of Use will continue to be valid and enforceable to the fullest extent permitted by law.

COMPLAINTS PROCEDURE

Any query or complaint regarding the use of this website should, in the first instance, be addressed to RIAI Insurance Services Ltd, 25/ 28 Adelaide Road, Dublin 2 who will investigate your query or complaint and provide a response.

GLOBAL RESTRICTIONS

This Website is intended for use in Ireland only, and is not aimed at nor intended for use in any other jurisdiction.

CONTACT DETAILS

Questions, comments and requests regarding these Terms of Use or the Privacy Statement should be addressed to RIAI Insurance Services Ltd, 25/ 28 Adelaide Road, Dublin 2.