TERMS & CONDITIONS
This website is a service provided by Utmost Ireland dac. Utmost Ireland dac is a company limited by shares. Registered in Ireland under number 303257. Registered office: Block 2, Harcourt Centre, Harcourt Street, Dublin 2, Ireland. Authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority in the UK for Conduct of Business Rules.
The information on this website is provided for information purposes only and none of the information constitutes an offer to contract.
i) “Utmost” (including “we” or “us”) means Utmost Ireland dac.
ii)”Utmost Group” means Utmost, its subsidiaries, their ultimate holding company or any subsidiary thereof.
iii) “Client” means a private customer, a retail customer or a retail client.
iv) “Intermediary” means a person or entity which has terms of business with Utmost, directly authorised by or registered with the UK Financial Conduct Authority with appropriate permissions to act as agent to private and/or retail customers.
v) “You” or “yourself” or “your” means the user of this website being either a client or an intermediary as appropriate.
i) We will endeavour to ensure that the website is accessible for 24 hours a day. However, we will not be liable if, for any reason, the website is unavailable at any time or for any period.
ii) To the fullest extent permitted by applicable law we will not be liable for any loss or damage arising in contract, tort or otherwise if the website becomes unavailable or is suspended for any reason.
Utmost is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority in the UK for Conduct of Business Rules.
Full product details are contained in the relevant product guide, key features and policy documentation, copies of which can be obtained via an intermediary or directly from us. A decision to invest should not be made on the basis of this website alone. If there is any conflict between the details given on this website and the relevant literature applicable to any products offered or insurance contract written by us then, the product literature and policy documentation will be regarded as the authoritative documents.
The tax efficiency of bonds issued in Ireland may change and their suitability depends on the investor’s circumstances.
The information contained on this website does not constitute investment advice, legal advice or tax advice and investors are strongly advised to obtain their own professional advice.
The information and features of this website do not constitute any form of advice or recommendation by us and are not intended to be relied upon by users in making (or refraining to make) any specific investment decisions.
Information contained on this website is provided for information purposes only and we will use all reasonable endeavours to ensure that it is accurate at the date of publication.
Due to the nature of the internet, there may be circumstances in which errors or omissions in the information may occur which are beyond our reasonable control. For example unauthorised access by a third party. Consequently, Utmost will not be liable for loss or damages arising whether for loss of income or revenue, profits, anticipated savings or, in contract, tort or otherwise, directly or indirectly from the use of or reliance upon any information contained on the website, unless the accuracy of the information has been checked with us before reliance is placed upon it.
Valuations shown on the website are the latest bid values (mid-market for shares if applicable). We have and take no account of any surrender charges that may be incurred when encashing the investment. It is assumed that all premiums due have been paid.
Please remember that the value of unit-linked funds can go down as well as up. There is no guarantee of the ultimate value of any investment (except where stated) or how much ‘income’ it can provide. The word ‘income’ refers to the regular payments of capital.
Past performance is not a guide to future performance.
Taking into account market fluctuations, currency fluctuations and initial charges, investors may not get back as much as they have invested, especially in the early years.
If you have any complaints regarding this website, please write to: Operations Manager, Utmost Ireland dac, Block E, Iveagh Court, Harcourt Road, Dublin 2, Ireland.
SECURITY AND AUTHORITY
If you should choose to use a digital certificate to identify yourself to the website (after registering it with the website) then the responsibility for the security and management of that certificate is entirely with you. Utmost accepts no responsibility in managing the certificate nor can we be held responsible should the security of the digital certificate be compromised.
Utmost accepts no responsibility for transactions carried out using your ID and password provided to or chosen by you in connection with the use of this website and/or digital certificate, whether or not the transaction is made by you or someone else using your ID and password and/or digital certificate. You are responsible for protecting and securing your ID and password and/or digital certificate from unauthorised use. If you believe there has been a breach of security you should contact us immediately.
You authorise Utmost to act upon all instructions received in respect of your account via the website when your ID and password are used and which appear to Utmost to have been issued by you. Instructions given by you for a joint account are binding on all other joint account holders.
The website also contains hypertext links to other websites. The responsibility for those websites is that of the parties who are identified as providing those websites and we accept no responsibility for them or their use or the content of any other website.
Utmost cannot warrant that this website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this website.
Utmost reserves the right to change the content, presentation, user facilities and availability of any part of the website at our sole discretion.
If you are an intermediary you agree to:
Accept responsibility for ensuring that the documents produced by you for use by clients and/or Utmost are accurate and complete.
Not use any hypertext links or documents on the website so as to mislead a client or Utmost in any way about the content of the website or a particular document. The intermediary agrees to indemnify Utmost for any loss arising as a result of the misuse of any hypertext links.
Accept responsibility for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from your inability to use or incorrect use of any material on this website.
Fully indemnify Utmost for any losses, claims, costs or expenses suffered by the Utmost Group as a result of the intermediaries’ breach of this liability clause.
Utmost will not pass on your email address to any third party without your permission.
Occasionally we will email you to provide information and keep you up to date with new developments on the website. In every email we send we will include instructions on how to unsubscribe so that you will not receive future emails. You may change your email address at any time and this can be updated on the website.
COPYRIGHT AND OTHER INTELLECTUAL PROPERTY RIGHTS
Utmost owns or is the licensee of the copyright and all other intellectual property rights subsisting in its databases made accessible via the website and all material on this website.
You are not permitted to download, redistribute or extract any information on this website in whole or in part other than that information relating directly to your portfolio or insurance policy issued by Utmost, or, if you are an intermediary, to your client’s portfolios.
As an intermediary you agree:
Not to use any documents or related graphics appearing on the website for any reason other than conducting business with any of the companies in the Utmost Group.
Not to modify or amend any document or related graphics which are available on the website in any way other than for the purpose of completing the variable permitted within the particular document, for example the inputting of personal data relating to individual clients.
Not to reproduce or store any documents or other information contained on the website in any manner whatsoever, other than the documents produced as a result of conducting business with any of the companies within the Utmost Group and instruments, orders, regulations and Codes of Practices (whether or not having the force of law) which may apply to that business.
To print the documentation in the form it appears on the website for the purposes of conducting business with any of the companies within the Utmost Group only and not to part print any information or documents, including the accompanying logos, appearing on the website.
Not to use any graphics which appear on the website separately from the accompanying text.
That copyright and any other rights in the material available on the website are owned or licensed by members of the Utmost Group.
AMENDMENT OF USE
DATA PROTECTION, COOKIES AND PRIVACY STATEMENT
All personal information supplied to Utmost will be treated in accordance with the Data Protection Acts, 1988 and 2003 of Ireland, as replaced, modified or amended from time to time and all regulations made under these Acts and any additional data protection laws in respect of any data transferred for the purposes of the use of this website including the European Communities (Electronic Communications Networks and Services) (Data Protection and Privacy) Regulations 2003 (as amended). Utmost will collect and use the information you supply in order to provide the service you request, to operate and improve the website, and to comply with legal obligations imposed on us.
It is quite likely that you may make use of some of the hypertext links to other websites that are set out in this website. Some of those websites may be restricted and require the completion of further information by you. You are responsible for the accuracy of your personal information.
If your personal information changes or you wish to have your personal information deleted from this website, please write to: Utmost Ireland dac, Block E, Iveagh Court, Harcourt Road, Dublin 2, Ireland.
We collect certain information you enter for the purpose of creating statistics. We will not link your name or address with the data we collect for statistical purposes.
Utmost sends cookies to your computer from this website when you are logged in. Cookies are pieces of information that a website transfers to your computer’s hard disc to enhance your online experience and, sometimes, for record keeping purposes. The cookies transferred by Utmost are only used for enabling your logged in session to work smoothly and to track your usage of this website. They store only an internal ID and tracking information and are not used for any other purposes. You may alter the cookies setting in your browser to prevent cookies from being transferred to your computer, but please be aware that if you do this you will not be able to use our secured website. Utmost separately maintains a comprehensive Cookies Policy which you may access here.
We may also disclose some of this information to companies in the Utmost Group and other carefully selected organisations within the Isle of Man and European Economic Area for marketing purposes to inform you of any products or services that may be of interest. We may contact you by post, telephone or email. By entering this website, you consent to such use of your personal data. If you prefer us not to do this, please write to: The Data Controller, Utmost Ireland dac, Block E, Iveagh Court, Harcourt Road, Dublin 2, Ireland.
Utmost will endeavour to protect any information that the intermediary inputs into this website, however the internet is not necessarily a secure system and the privacy of the intermediary and/or its clients cannot be guaranteed. Utmost shall not be liable for any damages resulting from the misuse of personal data supplied by the intermediary on the internet. If you are in any doubt, you should not input any data.
YOUR ACCEPTANCE OF THESE TERMS
WHAT ARE COOKIES?
Cookies are small files that websites place on the device you’re using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you’ve made or preferences you’ve set during your visit.
KEEPING YOUR PERSONAL INFORMATION SAFE
Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web-enabled device to obtain information about you or your family, or read any material kept on your hard drive.
We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only Utmost can read this information. The website that places a cookie owns that cookie. This means only that website and other websites that it has agreed to share information with can read the information stored using a cookie.
LINKS TO SITES PROVIDED BY OTHERS
If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.
HOW TO MANAGE AND SWITCH OFF COOKIES
Your web browser provides settings that allow you to manage or switch off cookies. If you do switch off cookies, remember that you may not be able to use all of the services on our websites. You can find out more about managing and switching off cookies at the independent website: allaboutcookies.org
THE TYPES OF COOKIES WE USE ON THIS WEBSITE
STRICTLY NECESSARY COOKIES
These cookies are essential for our online services and tools to work. They collect or record information that we need to make our website work. Common uses for this type of cookie include:
storing information so that shopping baskets can be provided
storing information for e-billing
allowing users to log in or access private areas of a site.
These cookies only last for a single browsing session – when you leave our site, they are removed.
These cookies help us to monitor and improve how our website works. Common uses for this type of cookie include:
collecting information about which pages visitors go to most often
noting if visitors get any error messages from webpages
understanding which links visitors like to follow (including adverts) and which they choose not to.
The information collected using these cookies is anonymous and cannot be used to identify an individual visitor.
These cookies allow us to provide you with enhanced features that need to remember your preferences and choices, such as your username, language or region. They also let us monitor how our website is performing so we can keep on improving it.
Common uses for this type of cookie include:
providing you with local information, such as health providers in your area
remembering how you like to use our site, such as what text size you like or what media software you use
remembering what topics you’re interested in so we can provide you with related products, services and information.
The information we store in these cookies is encrypted so that only we can read it.
Utmost Wealth Solutions is the brand used by a number of Utmost companies. Utmost Ireland Online is a service provided by Utmost Ireland dac, which is registered in Ireland (No 303257).
Registered Office: Block 2, Harcourt Centre, Harcourt Street, Dublin 2, Ireland.
Telephone: 0845 6029281
Authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority in the UK for Conduct of Business Rules.
Telephone calls may be recorded.
Utmost Wealth Solutions is the brand name used by a number of Utmost Companies.
The following companies are registered in the Isle of Man. Utmost Limited (No 056473C), Utmost Administration Limited (No 109218C) and Utmost Trustee Solutions Limited (No 106739C) are regulated or licensed by the Isle of Man Financial Services Authority. Not regulated: Utmost Services Limited (No 059248C). Each has its registered office at: Royalty House, Walpole Avenue, Douglas, Isle of Man, IM1 2SL, British Isles.
The following company is registered in Ireland. Utmost Ireland dac (No 303257) is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority in the UK for Conduct of Business Rules. Registered office: Block 2, Harcourt Centre, Harcourt Street, Dublin 2, Ireland.