Terms & Conditions

Terms and Conditions

Terms and Conditions of Use of KBC Bank Ireland Plc. Website

Your access to this Website and the use of information on it is subject to these Terms and Conditions of Use. You should carefully read these Terms and Conditions of Use. By proceeding further, you will be deemed to have accepted them. If you do not accept the Terms and Conditions of Use stated here, you are not permitted to use this Site.

This Site is operated from Ireland by KBC Bank Ireland plc (“KBC”) and its subsidiaries with its head office at Sandwith Street, Dublin 2, Ireland For the purpose of these Terms and Conditions of Use, unless otherwise stated, references to KBC shall include any holding company and any subsidiary within the KBC Group in addition to any of its directors, or employees.

KBC may revise these Terms and Conditions of Use at any time by updating this posting. You agree to visit this page periodically to review the Terms and Conditions of Use, because they are binding on you and each time you use this Website you agree to be bound by the current Terms and Conditions.

If you are an existing customer of KBC Bank Ireland plc, these Terms and Conditions of Use are in addition to and not in substitution for the terms and conditions applicable to your KBC Bank Ireland plc. account or product. Access to this Website does not make you a customer of KBC Bank Ireland plc.

1. Definitions

The following terms shall have the meanings indicated:

“We”, “us'” '“our'” means KBC Bank Ireland plc.

“You”, “your” means you, the person accessing this Website.

“KBC Bank Ireland plc. Website” and “Website” mean this website, being a website accessible at or via any or all of the following internet addresses: (i) www.kbc.ie; (ii) www.kbcmortgages.ie; (iii) www.kbcbroker.ie;

“Privacy Policy” means our statement of practice as regards the privacy and security of your information when accessing and/or using this Website and any of the features of this Website.

2. Governing Law

The KBC Bank Ireland plc. website, and all information and content appearing on this Website, is provided and shall be construed in accordance with the laws of Ireland. Any disputes or claims arising out of, in relation to or in connection with the use of this Website or the information and content on this Website shall be determined by the Courts of Ireland in accordance with Irish law and you consent to the Courts of Ireland having exclusive jurisdiction to resolve any such dispute or claim.

The information on this Website is intended for and is aimed at residents of Ireland who are over 18 years of age. It should not be used in any state or jurisdiction where accessing, distribution or the use of such information is prohibited. If you are unsure as to legality of accessing or using this Website you should not proceed any further.

3. Accuracy of the information

The information contained on this Website is continuously up-dated. While we are careful to ensure that all information is accurate and complete, we do not make or give any representation, warranty or undertaking as to the lawfulness, reliability, timeliness, accuracy and completeness of the contents of this Website.

The use of this Website and the information contained on it are entirely at your own risk.

Where this Website includes devices to allow you to calculate repayments or estimate the likely extent of any loan which may be available to you, please note that such information, prices and rates which may be quoted on this Website are non-binding and are provided for guidance purposes only. No quotation or estimate shall be capable of acceptance unless and until it is contained in a formal letter of offer issued by KBC and signed by both KBC and the customer. All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question.

4. Reliance on information contained on this Website

4.1 None of the information or content contained on this Website should be construed as an offer or solicitation of any lending, treasury, investment, banking or financial product or service by us. We reserve the right to withdraw or vary any product, service or information to which this Website refers.

4.2 All products and services offered by us are subject to specific terms and conditions which are set out in detail in the documentation applicable to that product or service and which should have been read in detail before entering into the particular product or service.

4.3 The information and content of this Website does not constitute, business, investment, financial, taxation, legal or other professional advice and we strongly recommend that you seek advice from an appropriately qualified professional prior to entering into any product or service with us or relying on any information on this Website.

5. Modifications and Amendments to this Website

We reserve the right to amend without notice at any time the content of this Website and the information contained therein, including these Terms and Conditions of Use and our Privacy Statement.

6. Availability of Service

We may at any time and without liability modify, suspend or discontinue this Website or any content or information contained thereon, with or without notice, for any valid technical, operational or commercial reason.

7. Hypertext and other links

7.1 This Website may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by us of the content on such third party web sites. We are not responsible for the content of linked third party sites and do not make any representations or warranties regarding the content or accuracy of materials on such sites. If you decide to access linked third-party web sites, you do so at your own risk and in accordance with the prevailing terms and conditions of such third party sites.

7.2 This Website contains hypertext links to websites maintained by members of the KBC Bank NV group other than KBC Bank Ireland. You are reminded that different terms and conditions of use may apply to you as a user of such websites.

7.3 We generally welcome the hyper-linking to this Website from other appropriate web sites, provided such links are to this Website’s homepage (and no deeper within this Website) and provided we give our prior written consent to the establishment of such links. Notwithstanding the foregoing, we reserve the absolute right to refuse to consent to such links without giving reasons. Any links to this Website from another web site must be presented in such a manner that the viewing of this Website is not impaired by framing or similar techniques that may impair the visitor’s user experience.

8. Prohibited Use of this Website

You agree not to use this Website or cause or permit any information or content to be used

(a) So as to jeopardise or prejudice the operation, quality or integrity of this Website or the information or content contained therein, or the operation, quality or integrity of any telecommunications network;

(b) To harvest or otherwise collect information about others, including e-mail addresses, without their consent;

(c) To distribute, download, upload or transmit any material which contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs;

(d) Contrary to the terms and conditions of any Internet Service Provider whose services you may use.

9. General disclaimer

9.1 We are not accountable for and do not accept any liability or responsibility for any loss, damage (including without limitation, incidental, punitive, exemplary, special or consequential damages, loss of profit or damages resulting from lost data or business interruption) or expense resulting from:-

(a) Using the information and contents of this Website whether with or without authorisation;

(b) Relying on the information and contents of this Website, whether downloaded or not;

(c) The performance, operation, functionality, non performance, unavailability, inaccessibility, or corruption of this Website:

(d) Communicating with us or transmitting instructions to us over the internet via this Website .

9.2 You agree to indemnify, defend, and hold us harmless from any liability, loss, claim, and expense, including legal fees related to your violation of these Terms and Conditions of Use or unauthorised use of the services and information provided at this Website.

10. Your Security

You are advised that information transmitted by electronic mail over the internet may not be secure, remain confidential or be delivered correctly. Electronic mail may also be corrupted and is liable to interference from third parties. We are not accountable, liable or responsible for the accuracy or reliability of messages sent or received by email over the internet in connection with this Website.

11. Data Protection/Privacy

Our Privacy Policy sets out in detail how we may use your personal data and our obligations pursuant to the Data Protection Acts 1988 and 2003. Should there be any conflict between these Terms and Conditions of Use and the Privacy Policy, the Terms and Conditions of Use shall prevail. Where you are a customer of KBC Bank Ireland plc, please help us to keep your information up to date by notifying us of any changes in your personal details.

We may record telephone conversations for training or quality control purposes, and to verify the content of any conversation, including customer instructions.

To maintain the security of our systems, protect our staff and to assist in the detection of fraud or other possible crimes we may monitor internet communications, including web and email traffic, into and out of our domains.

Without prejudice to the generality of the forgoing, this monitoring includes checks for viruses and other malignant code, criminal activity, and unauthorised use of content.

12. Intellectual Property Rights

All intellectual property rights and other rights in connection with the contents (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) of this Website are vested in KBC or its licensors. Unauthorised use of the contents of this Website may infringe or violate copyright, trademark and other laws. You are only permitted to use the content of this Website for personal, non-commercial purposes and KBC grants you a limited licence to view on a single computer the contents of this Website for this limited purpose subject to these Terms and Conditions of Use. You may not store, sell, decompile, reverse engineer or modify the contents of this Website or reproduce, reprocess, display, transmit, publicly perform or otherwise use the contents of this Website in any way for any commercial or public purpose. Except where expressly permitted in writing by KBC, the use of the contents of this Website on any other website, or in a networked computer environment for any purpose is prohibited.

13. Broker and other Professional Pages

Certain areas in this Website, for example our KBC Broker pages, are provided for the benefit of professional service providers and are not intended for the general public. Unless you are appropriately qualified and authorised to access such pages, you should not do so. If you are appropriately qualified and authorised to access such pages, you should exercise your own professional judgement before acting upon any information contained in this Website.

14. Third Party Service Providers

Where this Website includes references to third party service providers such as valuers, solicitors, brokers and insurance companies, unless stated to the contrary, this does not indicate that we endorse or recommend any such service provider. You should use your own judgment in choosing any service providers and, if you choose to engage a service provider featured on this Website, you do so at your own risk.

15. Complaints Procedure

We aim to provide a friendly and efficient service to our customers and it is our policy to ensure that all your concerns are dealt with fairly and promptly. If you have any complaint please telephone or write to the Client Services Department, KBC Bank Ireland plc., Sandwith Street, Dublin 2. If you are dissatisfied with the outcome of our efforts to resolve your complaint, you may refer your complaint to:-

The Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Telephone (01) 6620899, Fax (01) 6620890 or email enquiries@financialombudsman.ie

16. General

If any provision of these Terms and Conditions of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions of Use, which shall remain in full force and effect.

No waiver of any term of these Terms and Conditions of Use shall be deemed a further or continuing waiver of such term or any other term

In these Terms and Conditions of Use the headings are for convenience only and shall not affect the interpretation of the Terms and Conditions of Use. Words denoting the singular include the plural and vice versa and words denoting any gender include all genders. References to any legislation include references to that legislation as amended or re-enacted from time to time.

Any attempted access to this Website or attempted use of the information contained therein is subject to these Terms and Conditions of Use.

If you violate any of these Terms and Conditions, your permission to use this Website and the contents and information on this Website automatically terminates and you must immediately destroy any unauthorised copies you have made of the contents and information on this Website.

17. Regulatory Information

KBC Bank Ireland Plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is registered in the Republic of Ireland under company number 40537 and has its registered office at Sandwith Street, Dublin 2.

These Terms and Conditions of Use were last updated on the 1st November 2010.

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Before entering this site please take time to read our Terms and Conditions and Privacy Policy. By proceeding further you are deemed to have read and accepted our Terms and Conditions and Privacy Policy.

  • KBC Bank Ireland plc is regulated by the Central Bank of Ireland
  • Registered in the Republic of Ireland. Number 40537
  • Registered Office: Sandwith Street, Dublin 2, Ireland