Please read these terms and conditions carefully. By accessing and using the Site you are acknowledging and agreeing to these disclaimers, terms and conditions. You must read the important disclaimers which follow as they affect your use of the Site.
If you do not agree to these Terms & Conditions, you should not use the Site. We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms at any time. You should check these Terms periodically for changes as by using the Site after we post any changes to these Terms, you are agreeing to accept those changes, whether or not you have reviewed them.
Information on our website is for general information purposes only and does not constitute the giving of insurance, investment or risk management advice. For any specific advice to suit your particular circumstances please use the “Contact Us” facility.
Content
While Phelan Caswell Insurances believe the Content of this Site to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Phelan Caswell do not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Phelan Caswell may make changes in the products and/or services described herein, but, Phelan Caswell make no commitment to update the information and expressly disclaims liability for errors or omissions in it.
Exclusion of Liability
Phelan Caswell Insurances will not be liable for anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site or any third-party site accessed through the site in terms of their correctness, accuracy, timeliness, reliability, or otherwise.
In no event shall our total liability to you for all damages, losses, and causes of action whether in contract, tort (including, but not limited to, negligence) exceed the amount paid by you to us, if any, for accessing our website or in making a purchase thereon. If you are dissatisfied with any portion of our website, or with any of these terms & conditions, your sole and exclusive remedy is the discontinuation of your use of this website.
Availability of Site
Neither, any of our affiliates, nor any of our or their respective licensors, licensees, service providers or suppliers warrant that the site or any function contained in the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the servers that make the site available are free of viruses or other harmful components. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such product, offering, content or material.
Third Party Sites
The Site contains links to third party websites. Some of the sites listed as links herein are not under the control of Phelan Caswell. Accordingly, Phelan Caswell Insurances make no representations whatsoever concerning the content or accuracy of those sites. The fact that Phelan Caswell Insurances have provided a link to a site is not an endorsement, authorisation, sponsorship or affiliation by Phelan Caswell with respect to such site, its owners or its providers, unless otherwise stated. Phelan Caswell are providing these links only as a convenience to you. Phelan Caswell have not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Phelan Caswell caution you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.
Local Laws
Although this site is accessible worldwide, not all products or services discussed or referenced herein are available to all persons or in all geographic locations. Phelan Caswell reserve the right to limit, in its sole discretion, the provision and quantity of any product or service to any person or geographic area it so desires. Any offer for any product or service made in or through this site is void where prohibited.
Linking
Phelan Caswell generally welcomes the hyper-linking to the Site from other appropriate websites provided such links are to the Site’s homepage (and no deeper within the Site) and provided we give our 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 the Site from another website must be presented in such a manner that the viewing of the Site is not impaired by framing or similar techniques that may impair the visitor’s user experience.
Intellectual Property
The Contents of this Site, including but not limited to the text and images herein and their arrangement, are the exclusive property of Phelan Caswell Insurances or are used with permission or under license and may not be copied or distributed for any commercial use, in whole or in part, without the express written consent of Phelan Caswell Insurances Limited. Phelan Caswell and the Phelan Caswell Insurances logo are Irish registered trademarks of Phelan Caswell Insurances Limited. The trademark or any other trademark (registered or unregistered) of Phelan Caswell may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Phelan Caswell.
Phelan Caswell hereby authorise you to copy and display the content herein, but only for your personal and non-commercial use. The Content of this Site herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. Limited quotations from the Content of this Site are permitted if attribution to Phelan Caswell is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the Content of this Site without the prior written permission of Phelan Caswell. No modifications of the Content of this Site may be made.
Posting Information on the Site
When accessing or using any service on the Phelan Caswell web pages you must not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law, or any information or software which contains a Trojan horse, worm or virus or other harmful component, or restrict or inhibit any other user from using the Site.
Your Submissions to Us
You agree not to use the Site or cause or permit the Site to be used:-
- so as to jeopardise or prejudice the operation, quality or integrity of the Site, or the operation, quality or integrity of any telecommunications network;
- for any commercial purpose including any direct marketing, surveys, contests or pyramid schemes, nor to use the Site to participate in or cause others to participate in sending chain letters, junk e-mail, spam, duplicative or unsolicited messages, advertising or promotional material;
- to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
- to distribute, download, upload or transmit any material which contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs;
- contrary to the terms and conditions of any Internet Service Provider whose services you may use.
Governing Law and Jurisdiction
The Site has been created and is controlled by Phelan Caswell Insurances Limited in Ireland. These Terms will be governed by, and construed and enforced in accordance with, the laws of Ireland. You hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Irish courts.
Cookie Policy
Like most websites, we use some cookies.
Cookies are small text files stored on your computer by your browser. They’re used for many things, such as remembering whether you’ve visited the site before, so that you remain logged in – or to help us work out how many visitors we get on the site over a given period of time. These cookies contain information about the use of your computer but they don’t include personal information about you .
What Cookies do we use
Session Cookies As you travel around our site, there are times when we need to remember technical information about you as you go from page to page. We use this technical information in many ways to Phelan Caswell Insurances your user experience. This cookie contains no personally identifiable information and only stays in place until you end your session ( usually when you leave our site. )
We use web analytics services to recognise your browser or device and, for example, to identify whether you have visited specific services we offer previously. This information is anonymous and only used for statistical purposes. It allows us to track information, such as how many individual users we have and how often they visit our website
Persistent or Login Session Cookie When you log into a restricted area, we may set a cookie on your PC, to remember your login details. This can be used for your convenience so that on subsequent visits, you aren’t required to provide the entire log-in information again. This cookie will remain on your computer indefinitely, even after you leave our site.
Controling your cookies
We do not use cookies to collect personally identifiable information about you although, we may combine information from your registration with the data we get from the web analytics services we use and their cookies to analyse how you and other people use our Online Services.
Managing analytics cookies
Along with logfiles, we use Google Analytics to analyise what people view on our website. Google Analytics isn’t personal information – it doesn’t know who you are.
For more information about Google Analytics’ privacy policy and opt out of Google Analytics completely by using the Google Analytics Opt-out Browser Add-on (https://tools.google.com/dlpage/gaoptout ) You should be also able to use your browser in “private” or “incognito” mode, to look like a brand new user every time you browse the web.
Third-party service cookies
Social sharing, video and other services we offer are run by other companies. If you are already logged in to these companies services when you visit our site they may place cookies on your computer .
Entire Agreement
These Terms constitute the entire agreement between Phelan Caswell and you with respect to your access to and use of the Site and any third-party site accessed through the Site. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.
These Terms and Conditions are updated and altered from time to time. You should check our Terms and Conditions every time you access any Phelan Caswell web pages.
If for any reason you wish to contact us, we can be reached at: