Life online

Effective from  3rd March 2015 

1.0    Definitions of Terms used in this Document 
2.0    Use of Life online
3.0    Information Provided
4.0    Security and Authentication
5.0    Intellectual Property
6.0    Recording
7.0    Charges
8.0    Changes to these Terms and Conditions
9.0    Reading this Document
10.0    Access to Life online
11.0    Making a Complaint
12.0    Removal of Access
13.0    How Irish Law applies to this Document

These terms and conditions apply to the use of Life online. When you access Life online you accept these terms and conditions and any amendments that we may make to them from time to time. Life online is available via 365 online or such other Digital Banking services through which access may be made available from time to time.

1.    Definitions of Terms used in this Document

Some explanations of common terms used throughout these terms and conditions:

1.1    "365 online" means the Bank of Ireland internet banking service accessed via a web browser.
1.2    “Digital Banking” means Bank of Ireland’s various online banking services which can be accessed via 365 online, Bank of Ireland Mobile Banking and Bank of Ireland Tablet Banking. Any reference to Digital Banking herein shall be deemed to include a reference to 365 online,  Bank of Ireland Mobile Banking and/or Bank of Ireland Tablet Banking as the reference so requires.
1.3    “Policy” means your life assurance or pension contract with New Ireland Assurance Company plc or Bank of Ireland Life.
1.4    "we", "us" and "our" means New Ireland Assurance Company plc which also trades under the name Bank of Ireland Life.  New Ireland Assurance Company trading as Bank of Ireland Life is regulated by the Central Bank of Ireland and is a member of Bank of Ireland Group.
1.5    "you" and "your(s)" means the person or persons who are named as a Policy holder or a sole member of a pension scheme where trustee consent has been provided.

2    Use of Life online

2.1    You can register to view a Policy if you are a Policy holder or you are the sole member of a pension scheme where trustee consent has been provided. Any unauthorised access or use is not permitted.
2.2    If your Policy is held in the name of two or more persons, any of the Policy holders can avail of Life online and as a Policy holder you will have access to all Policy related information.
2.3    Certain Policies may not be available to register and we reserve the right to decline applications for registration.  
2.4    To register or de-register a Policy at any time please notify us by calling on our recorded line 1890 309 309.
2.5    If you wish to issue an instruction, request a change be made, have any queries concerning your Policy or require up to date and more detailed information on your Policy, you should contact us directly by calling on our recorded line 1890 309 309. In certain instances we may require a written request from you to enable us process your instruction or request.
2.6    If you have a pension Policy, the protection benefits will not be displayed on Life online. 
2.7    If you have a unit-linked protection Policy, only the main benefits provided by the Policy will be displayed and any fund value that may exist will not be displayed on Life online. 
2.8    If you use the calculators provided, the results provided are estimates only and are based on a number of assumptions which are detailed in the calculator.

3    Information Provided

3.1    While great care is taken when compiling the information provided via Life online, the information contained on this site is of a general nature only, and should not be considered as conclusive evidence of the state of your Policy or otherwise. 
3.2    We accept no responsibility for the accuracy and completeness of the information displayed on Life online and we will not compensate you or anyone else for any loss or expense which occurs as a result of any inaccuracy or incompleteness in information we display to you via Life online.  It is important to understand that any Policy details provided are indicative only, and the details provided may not include a full list of benefits available under your Policy, be fully up to date or take account of any recent instructions you may have issued to us.
3.3    If your circumstances have changed or you are considering altering the terms of your Policy, before making any decision, we recommend that you review all options available and seek appropriate financial, insurance, investment or other professional advice to make sure that your Policy and any alteration you intend to make meets your needs.
3.4    If you need an up to date Policy statement, please contact us on our recorded line 1890 309 309 or write to us at 9-12 Dawson Street, Dublin 2. You can also call the number provided to request a call back or to arrange a meeting with an Insurance & Investments Manager in your local Bank of Ireland Branch.
3.5    For users with pension or investment policies;

• the Indicative Asset Allocation chart gives an indication only of the exposure to different asset classes which your Policy provides and the information may not be up to date.  While we try to update asset allocation information monthly, information on allocation to certain asset classes may be available less frequently.  For more information on asset allocation please see the Fund Centre accessible via Life online. 

• the Value History chart indicates historic values of your Policy and reflects indicative values over the period set out.  

3.6    The policy, and other, details provided via Life online are for information purposes only and nothing provided via Life online is, or should be considered as, advice, an offer of any kind, or an invitation to invest.

4    Security and Authentication

4.1    Access to Life online is provided via 365 online or such other Digital Banking services through which access may be made available from time to time and relies on the security and authentication credentials provided for, and used in conjunction with, accessing 365 online or such other Digital Banking services.
4.2    When you access Life online via 365 online or other Digital Banking services, it will open in a new, separate browser, and 365 online will remain open in the original web browser as may other Digital Banking services. You are required to log out of 365 online / other Digital Banking services and Life online separately, and we accept no liability arising from your failure to do so.
4.3    You understand that:
a)    there are certain risks involved in using the internet;
b)    accessing and using Life online, or sending and receiving communications via Life online, is not guaranteed to be free from interference by others and may not be private and confidential; and
c)    you access or communicate via Life online at your own risk.

5    Intellectual Property

5.1    The information, content, graphics, text, sounds, images, buttons, trademarks, trade names and logos on Life online are protected by copyright and other intellectual property laws under national laws and international treaties. You are granted a limited viewing licence only for your own personal, non-commercial use to refer to any page within Life online. Any other use without our prior written consent is strictly prohibited. 

6    Recording

6.1    We maintain records of any messages you send us through Life online. If there is a dispute between you and us concerning the messages, you agree to accept our records as accurate unless it is apparent from our records that an occurred on our part.
6.2    To improve our service to you, telephone calls made to us may be recorded.

7    Charges

7.1    We can introduce or make changes to charges for the use of Life online but, if we do, we will tell you in advance. The amount of notice that we will give you will follow any relevant laws and regulations that apply at that time.
7.2    You are responsible for all costs incurred by you in accessing and using Life online, for example, any telecommunications and equipment costs. 

8    Changes to these Terms and Conditions 

8.1    We may add to or change these terms and conditions at any time, for example, to meet new regulatory requirements, to enhance security or where we consider it is in your best interests to do so.
8.2    Where it is considered necessary to make changes we will tell you in advance. The amount of notice that we will give you will comply with any relevant laws and regulations that apply at that time.
8.3    If we change or add to these terms and conditions, and you do not wish to accept the change, you may deregister your Policies.

9    Reading this Document

9.1    Each term and condition is separate from the others. If any of them is illegal or cannot be enforced, the rest will remain in full force and effect.
9.2    If we do not enforce any rights we have under these terms and conditions or we delay enforcing them at any time, we may still enforce those rights in the future. 

10    Access to Life online

While we will try to ensure you have access at all times, we may not be able to provide you with access to Life online because of circumstances beyond our control or otherwise.

11    Making a Complaint

We want to provide you with excellent customer service at all times. If however you are not happy with the service you receive and you wish to make a complaint, please follow these steps:
a)    You can make a complaint by calling 1890 309 309 or writing to Complaint Management Team, Bank of Ireland Life, 11/12 Dawson Street, Dublin 2.
b)    If we have not resolved your complaint within five Banking Days, we will acknowledge it in writing. If the complaint is not resolved within 20 Banking Days, we will give you a written update. If, after a further 20 Banking Days, we still have not resolved the complaint, we will write to you again to explain the delay and to give you an indication of when we expect to resolve the matter. 
c)    When we have completed our investigation, we will write to you with the results.
d)    If you are not satisfied with how we have dealt with your complaint, you may raise it with the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Lo Call: 1890 88 20 90, Telephone: +353 1 6620899, Fax: +353 1 6620890, e-mail: enquiries@financialombudsman.ie, website: www.financialombudsman.ie.

12    Removal of Access

12.1    You may select to deregister a Policy by notifying us by calling on our recorded line 1890 309 309.
12.2    We reserve the right to deregister a Policy, without providing you with a reason, at any time.

13    How Irish law applies to this Document

13.1    These terms and conditions are governed by the laws of the Republic of Ireland and the courts of the Republic of Ireland will have exclusive jurisdiction.
13.2    These terms and conditions were prepared as at 03/03/2015 and do not take into account any legislative or regulatory changes that may have occurred since that time.