This page outlines the Terms and Conditions under which you may use the website of mycash ltd. (the "Website"). If you do not read and accept these Terms and Conditions, you should not use the Website. Mycash ltd. may revise these Terms and Conditions at any time and will update this page with those revisions.

This Website is operated by mycash Ltd. with its registered office at 4 Percy Place, Dublin 2.

Information Contained on this Website

While we are careful to ensure that all information is accurate, mycash Ltd. does not accept any liability for errors, omissions, defects, unauthorised access or alterations to this Website.

All information, prices and rates quoted on this Website are for guidance only and do not form any part of a legal contract, agreement or understanding. You should not take any action on foot of information appearing on this Website before taking appropriate professional advice.

No legally binding loan agreement shall come into existence between a Lender and a potential customer until such time as a Letter of Offer of a loan (which contains the Lender's general Terms & Conditions) has been signed by both The Lender and that potential customer.

This Website includes calculators and quotation engines which allows users to calculate returns, make projections and repayment schedules. Such information and rates which may be quoted on this Website are non-binding and are provided for guidance purposes only.

Intellectual Property

The contents of this Website, such as articles, other text, trade marks, service names, business and trading names, logos, graphics, images, software and other material, are protected by copyright, trade mark and other intellectual property rights under Irish and foreign laws and treaties.

Mycash ltd. grants you a limited, personal, non-exclusive license (subject to your agreement to, and compliance with, these Terms and Conditions) to view and download the contents and material contained on this Website on a single computer subject to these Terms and Conditions.

Any unauthorised use of the contents and material contained on this Website (including, without limitation, by way of copying or reproduction) may violate copyright, trade mark and other laws.

You may not sell, decompile, reverse engineer or modify the contents and material or reproduce, display, publicly perform, distribute, or otherwise use the contents and material in any way for any public or commercial purpose.

Except where expressly permitted in writing by mycash ltd., the use of the contents and material of this Website on any other website or in a networked computer environment for any purpose is prohibited.

Use of this Website

You agree not to use this Website or cause or permit any contents or materials to be used:

• so as to jeopardise or prejudice the operation, quality or integrity of this Website or contents and materials, or the operation, quality or integrity of any telecommunications network;
• to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
• to distribute, download, upload or transmit any contents and materials which contains viruses, Trojan horses, worms, time bombs, cancel bots, or any other harmful or deleterious programs;
• contrary to the terms and conditions of any Internet Service Provider whose services you may use.

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

Registered Users

Access to certain parts of this Website is restricted to registered users. This access is controlled by usernames and passwords. Any person who enters the restricted areas of the Website is deemed to be a registered user. By entering these areas they have accepted these Terms and Conditions and agreed to be bound by them.

Exclusions for Liability

Mycash ltd. has taken care to ensure that the information contained on this Website is accurate.

Mycash Ltd does not represent or warrant the accuracy of any information contained on this Website or any website linked to this Website.

We accept no liability whatsoever for the content of any other website once you have left this Website. We will not be liable for any penalties, injuries, losses, claims, damages, costs, expenses and/or interest arising from:

• any use or inability to use this Website from any unauthorized access to or alteration of this Website;
• having relied on any information or opinions obtained from this Website;
• any event which corrupts, interrupts or otherwise affects the administration of this Website, or the security of any aspect of this Website.

Use of this Website is at your own risk. You assume complete responsibility for all losses which you may suffer as a result of using this Website, downloading materials from this Website or relying on the content of this Website.

You acknowledge that there are risks in using the internet, and you agree and accept that we make no representations or warranties to you in relation to anything contained on this Website. Information that passes over the internet may not be secure and the confidentiality of such information cannot be guaranteed. You should ensure that you use the most secure technology possible when passing confidential information over the internet.

We are not responsible for, and cannot control, the content or privacy policies of other websites. Where this Website contains links to other websites, these are clearly identifiable and you should note that different terms and conditions will apply to those websites. We do not endorse or approve the content of such websites, nor do we provide you with any representation or warranty in relation to such websites. You access such websites solely at your own risk, and all liability for any matters arising in connection with your access to such websites is expressly excluded.

Third Party Service Providers

Where this Website includes references to any third party services providers such as valuers, mortgage intermediaries, etc, unless stated to the contrary, this does not indicate that Mycash Ltd. endorses or recommends any such service providers. If you choose to engage a service provider featured on this Website, you do so at your own risk.

Governing Law and Jurisdiction

The information appearing in this Website is provided in accordance with and subject to the laws of Ireland.

The courts of Ireland have exclusive jurisdiction over all claims and disputes arising in relation to, out of, or in connection with these Terms and Conditions. The courts of Ireland shall have exclusive jurisdiction for the purpose of any proceedings arising out of or in any way relating to the contents and materials of this Website.

Privacy, Security and Communications to Us

See our Privacy Policy for details on how we comply with our obligations under the Data Protection Acts, 1988 and 2003. Please note that any communications to us will be retained in electronic form in accordance with our electronic document retention policy.

Data Protection Acts 1988 and 2003

Under Section 4 of the Data Protection Acts 1988 and 2003, a customer has rights in relation to any 'Personal Data' that Mycash Ltd. holds about them, whether in paper or electronically, those rights can be summed up as follows:

• The customer has the right to request a copy of any of his/her personal data held by Mycash Ltd.
• The customer has the right to have any inaccuracies in relation to their personal data corrected.
• The customer has the right to have any inaccurate personal data in relation to them erased.
• The customer has the right to have their personal data removed from a direct mailing or direct marketing list.
• The customer has the right to complain to the Data Protection Commissioner.

Customers who wish to make a data access request should apply in writing, giving full details, such as account numbers, previous addresses etc for ease of location of their information that is held by mycash ltd. Please note that a statutory charge of €6.35 may be charged by mycash ltd. for processing these requests and the reply will take no longer than 40 days. The contact details for applying for a data access request are:

The Compliance Officer,
mycash ltd.,
4 Windmill Lane,

Dublin 2

General

If any provision of these Terms and Conditions 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, which shall remain in full force and effect.

No waiver of any term or condition contained in these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Mycash ltd. may at any time and without liability modify, suspend or discontinue this Website or any contents or materials (or any part thereof), with or without notice, for any valid technical, operational or commercial reasons.

Mycash ltd. shall not be liable, and shall not otherwise be deemed to be in breach of these Terms and Conditions, for any failure to perform (or delay in performing) any of its obligations hereunder caused by circumstances beyond its reasonable control.