Terms and conditions of use

Website terms and conditions

Website usage

By using this website you confirm that you accept the following terms and conditions and agree to comply with them. We recommend that you read these terms before starting to use our website as they will apply to your use of our website. If you do not agree to these terms of use, please do not continue to use the closebrotherspf.ie websites.

Information about us and regulatory information

The website is operated by Close Brothers Limited on behalf of its subsidiary Close Brothers Premium DAC. Close Brothers Premium DAC is a wholly–owned subsidiary of Close Brothers Limited. Close Brothers Premium DAC is incorporated in Ireland with registered number 636151, trading as Close Brothers Premium Finance Ireland and has its registered address at Swift Square, Building 1, Santry Demesne, Northwood, Dublin 9 D09 A0E4. Close Brothers Premium DAC is regulated by the Central Bank of Ireland.


Close Brothers Limited is a limited company registered in England with a registered office address at 10 Crown Place, London, EC2A 4FT and company number 195626. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our website:

· Our Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you confirm that all data provided by you is accurate.

· Our Cookie Policy sets out information about the cookies on our website.

· Our Accessibility Policy sets out details about how you can access all the information on our website regardless of technology or ability.

Access to our website

We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period. From time to time, access to some parts of the website, or the entire website, may be restricted to registered users and further terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.


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 of use and other applicable terms and conditions, and that they comply with them.

No reliance on information

The content, documents and materials (together "Materials") provided on this website are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, user satisfaction, and non-infringement. We specifically do not make any warranties or representations as to the accuracy or completeness of any such Materials. We periodically may add, change, improve or update the Materials on this website without notice.


The Materials on this website are for information purposes only and not intended to amount to any advice you can rely on. Any reliance you do place on any opinions, advice, statements, or other information shall be at your own risk and we recommend you obtain specialist advice before taking or refraining from any action on the basis of the content of our website.

Limitation of Liability

Use of this website is at your sole risk and under no circumstances, including, but not limited to, negligence, shall we or our affiliates be liable for any loss, liability or expense or any direct, indirect, incidental, special or consequential loss or damages, even if we have been advised of the possibility of such damages arising, including any loss of profit, loss of business, business interruption or loss of business opportunity .arising out of, or resulting from your use of or inability to use this website, including without limitation, which arises from any fault, error, omission, interruption or delay; the use of any content or other information or material on the website or any website or websites linked to the website; (c) unauthorised access to or alteration of your transmissions or data; (d) statements or conduct of any third party on the website; or (e) any other matter relating to the website. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.


Without prejudice to the generality of the foregoing, neither we, nor are affiliates, or any respective agents, employees, information providers or content providers shall be liable to you for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or any damages arising as a result of your use or inability to use the website.


As a condition of use of this website, you agrees to indemnify us and our affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable legal fees) arising out of your breach of our (or a third party’s) intellectual property rights or arising as a result of you posting any defamatory, libellous, misleading or unlawful content on the website or your supply of information to a third party provided in breach of any of your obligations under these terms.


Unless expressly stated otherwise, the findings interpretations and conclusions expressed in the Materials in this website are those of the various authors of the work and are not necessarily those of the Close Brothers Group Plc's Boards of Executive Directors or the businesses they represent.


Nothing in this website or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendations. We are not registered under the U.S. Investment Advisers Act of 1940 and nothing in this website, or Materials, constitutes an offer of or an invitation by or on behalf of us to purchase or sell any shares or securities nor should it be considered as investment advice.


Unless otherwise stated, the services and products on this website are intended for use by residents of Ireland only, and are not aimed at or intended for use by residents of any other jurisdictions.


Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in Ireland only.


This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the website through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain website pages to read "Terms and Conditions". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant website pages.


Linking to the website

You may link to any page on the website, provided that you do so in a way that is fair and legal and does not damage our or our affiliates reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.