The attached document lays out our general terms of business for personal financial services.

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Web Site Terms and Conditions of Use

All information shown on web pages that have an address commencing www.arkfinance.ie constitutes the Ark Finance web site (“the web site”).Access to the information on these web site pages is provided by ArkFinance in accordance with the following terms and conditions of use. By accessing the web site you agree to those terms and conditions.

Use of the Web Site

The entire content of the web site is subject to copyright with all rights reserved. You may download or print out a hard copy of individual pages and/or sections of the web site, provided that you do not remove any copyright or other proprietary notices. Neither downloading nor otherwise copying from the web site will transfer title to any material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the web site without the prior written permission of Ark Finance.

The web site is only intended to give information about services provided by Ark Finance and to outline the products available from Ark Finance. While Ark Finance uses reasonable efforts to obtain information from sources which it believes to be reliable, ArkFinance makes no representation that the information or opinions contained in the web site are accurate, reliable or complete. The information and opinions contained in the web site are provided by ArkFinance for personal use and informational purposes only and are subject to change without notice. The information and opinions contained on the web site are provided without any warranty of any kind, express or implied. Ark Finance does not guarantee that this site is free from any virus or other harmful element and will not be responsible for any damage you may suffer from any such virus or material.

Limitations of Liability

In no event, including (without limitation) negligence, will Ark Finance be liable for any loss or damage of any kind, including (without limitation) any direct, special indirect or consequential damages, even if expressly advised of the possibility of such damages, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the web site or reliance on any information contained on the web site.

Applicable Law

Republic Of Ireland law governs access to and use of the web site. If you access this site from outside the Republic Of Ireland you are responsible for compliance with any local laws relating to access.

Data Protection and Privacy Policy

ArkFinance is committed to protecting your privacy in all our dealings with you, whether through our web site or through direct contact. When using our web site, we want you to have a safe and secure experience. We will endeavour to ensure that the information you submit to us remains private, and is only used for the purposes set out in this policy.

Statistical Information

We gather statistical information about all visitors to this web site regarding page and service usage. This information helps us to improve the services we offer our visitors.

Except in the case of complying with a legal or regulatory requirement, the Company does not and will not disclose your information to third parties.

Pension Calculator

The primary pension calculator on this website is based upon a calculator built by Irish Life. It is designed to provide guideline indicators forpension requirements. It is recommended that you speak to your financialadvisor before buying any financial product.

Copyright Notice

All information incorporated within this web site is © Copyright of ArkFinance 2016, except where third party copyright content has been obtained by Ark Finance under licence or by permission, this content will be marked with the third party copyright information.

This website has been created by, for and on behalf of the Company. Unauthorised use of Ark Finance trademarks, trade names and logos, and media is prohibited.