Please read the following Terms and Conditions carefully. Access to and use of this Website is subject to these Terms and Conditions.
If you do not accept such Terms and Conditions, you should not use this Website.
This Website is operated by Friends First Life Assurance Company dac ("Friends First") which is an incorporated company practicing under the Laws of Ireland. Our registered company number is 165970 and our registered office address is Friends First House, Cherrywood Science and Technology Park, Loughlinstown, Dublin 18.
Friends First is regulated by the Central Bank of Ireland and provides insurance business services.
The Website is only available to individuals and entities who can form legally binding contracts under applicable law. Without limiting the foregoing, this Website is not available to any person under the age of 18 and if you do not qualify please do not use this website.
Friends First reserves the right to deny you access to this Website and Friends First reserves the right to withdraw or amend the service Friends First provides on this Website without notice to you.
Friends First does not accept any liability for any occasions when this website may not be available for your use.
In the event that you choose to pay your premium using our Online Service Centre Website, you will be asked to provide further personal information and payment details. Your payment details will be processed by Friends First's contracted payment processor and will be securely disclosed to its contractors for this purpose. The specific terms and conditions governing your payment(s) will be presented to you for acceptance prior to conclusion of your transaction and, in line with applicable law, you will receive a confirmation email after your payment has been received.
In the event that you chose to cancel your policy, no refund will be given where the policy is paid on a monthly basis. In the event that the policy is paid annually in advance, a pro rata refund will be given from the time the policy is cancelled to the policy renewal date.
By using this Website, you are agreeing, and you are signifying your agreement to be bound by these Terms and Conditions. The information contained on this Website is not intended to constitute an offer and is provided as a service to the users of this Website. Friends First takes all reasonable efforts to provide up-to-date information on this Website; however, in order to ensure that you receive the most accurate information concerning any of the information on this Website you should always confirm the current Terms and Conditions with Friends First.
While Friends First endeavours to ensure that the information is accurate and complete on the website, Friends First do not guarantee that this is the case.
No express or implied representation guarantee, warranty or endorsement of any type is given is relation to the completeness, reliability or accuracy of the information contained on this Website.
Your use of this Website is at your sole risk.
The services on his Website are provided on a "as is" and "as available" basis. Friends First expressly disclaims all warrantees of any kind either express or implied including, although not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement or any content of or any information on any other website referred to or accessed by hyperlink text or otherwise through this website or from which this website is referred to or accessed by hyperlink text or otherwise.
Friends First reserves the right to change the context, presentation, performance, user facilities and availability of any part of this Website at our sole discretion, including these terms and conditions of use and you should check these terms and conditions of use regularly in the event that they may change.
If links to other websites are provided Friends First will not be responsible or liable in any way for any content of such sites and it is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services or other information linked to this Website. Friends First does not endorse or represent the liability, quality or accuracy of any information displayed in such manner. If you choose to access third party services, you do so entirely at your own risk.
To the fullest extent permitted by law in no event shall Friends First or any other person appointed by us involved in creating, installing, delivering, testing or using this Website or services provided in or through such, be liable for any direct or indirect incidental, consequential or special losses or damages resulting from any claim (including without limitation, a claim for breach of contract, in tort, for negligence, under an indemnity, for breach of warranty or otherwise, arising out of the use or inability to use the materials and/or facilities or services offered through this Website including but not limited to damages for loss of profits, loss of data, use or other intangible information even if Friends First has not advised at the possibility of such damages, or such damages were reasonably foreseeable.
The contractual rights which you enjoy by virtue of the Sale of Goods Act, 1893 (as amended), the Sale of Goods and Supplies Services Act, 1980 are in no way prejudiced by anything contained within these terms and conditions save to the fullest extent permitted by law.
While Friends First makes every effort to maintain the security and integrity of the electronic transmissions through our server, please be aware that any information transmitted to or from us by email or otherwise via the internet may be subject to interference by third parties and/or incorrectly delivered or delayed. Email is not a confidential communication channel and any information sent by email via the internet is entirely at your own risk. Your acceptance of this risk will be deemed to have been given your use of email to transmit information to and/or your election to receive information from us these means. For the avoidance of doubt, Friends First shall not be liable for any loss or damage which may accrue as a result of any such interference.
Friends First pride ourselves on our commitment to giving the highest standards of service in everything we do. However, we understand that sometimes not everything we do meets your expectations. Friends First value your feedback and the more that we hear from you, the better we can become at looking after your needs.
If you need to make a complaint here's how.
Unless otherwise noted, license information, content, graphics, layout, text, sounds, images, buttons, trademarks, service marks, trademarks and logos ("the materials") contained in this website are protected by copy right, trademark, data based right, sui generis right and other intellectual property laws under national laws and international treaty. You are granted a limited licence solely for your personal, non-commercial use to refer to, bookmark or point to any page within this website and to download the materials contained on this Website to a single computer and to print a single hardcopy of the materials contained on the website for your own personal reference, provided however that all copyright, trademark and other proprietary notices are left intact. The grant of this limited licence is conditional on your agreement to and complies with all of these terms and conditions of use.
If, for any reason, any part of the terms of this Website are deemed to be unenforceable then the validity of the remaining part shall not be effected.
This Website is intended solely for the residents of Ireland which term will exclude Northern Ireland. Friends First are authorised to conduct insurance services in Ireland and the website is established in Ireland and is subject to the laws of Ireland. In the event of any dispute, all parties shall be bound exclusively by the jurisdiction of the Courts of the Republic of Ireland.
The Brokers Website and its contents is not intended for use by retail clients. Retail clients requiring information on the products and services provided on this aspect of the Website should contact a Financial Broker. The use of the secure Brokers website accessed through the use of the login is solely for brokers and other intermediaries who hold an appointment from Friends First.