Affiliate Section Terms and Conditions

Access to the Affiliate Section of this Site and the use of information contained on it is governed by the terms and conditions set out below. The ILCU Privacy Notices are available here and are incorporated within these terms and conditions. Please take the time to read the terms and conditions carefully. By proceeding further, you will be deemed to have accepted them. References to "we" or "ILCU" means Irish League of Credit Unions and our subsidiaries and associates.

1.       Care has taken in the preparation of the information contained on this website. However, we do not make any representations or warranties as to the accuracy, completeness, timeliness, fitness for a particular purpose of the information contained on this Website. Use of such information is at the user’s sole risk.

2.   The ILCU collects and processes information relating to the use of the Affiliate Section of the website for the purposes of administering the website, maintaining its security and integrity, improving its functionality and user experience, and monitoring the use of services made available to affiliated credit unions.

By accessing and using the Affiliate Section, you acknowledge and agree that the ILCU may collect, record and analyse information relating to your use of the website, including, where applicable:

•             your user account, name, role and affiliated credit union;

•             the dates and times of your logins and other activity;

•             pages viewed, content accessed and documents downloaded;

•             the number of visits, page views and navigation paths;

•             session duration, time spent on individual pages and engagement metrics;

•             device type, browser, operating system and other technical information;

•             IP address and other technical identifiers;

•             referring URLs and other information relating to your interaction with the website;

•             other usage data generated through your use of the website.

The collection and processing of website analytics will be carried out in accordance with the ILCU's Privacy Policy and applicable data protection legislation.

3.   The Affiliate Section of the website includes an AI powered chatbot (the "Chatbot") designed to assist users in navigating the website, locating information and obtaining general guidance regarding the products, services and resources made available by the ILCU.

The Chatbot is provided for convenience and informational purposes only. While the ILCU endeavours to ensure that information provided by the Chatbot is accurate and up to date, responses are generated using AI and may be incomplete, inaccurate or unsuitable for a particular circumstance. The ILCU does not warrant or represent that information provided by the Chatbot is accurate, complete, reliable or current.

The Chatbot does not provide legal, regulatory, financial, compliance or other professional advice and must not be relied upon as such. Users remain responsible for exercising their own professional judgement and should consult the appropriate ILCU guidance, policies or relevant personnel before taking any action or making any decision based on information provided by the Chatbot.

Users must not submit confidential, commercially sensitive or unnecessary personal data when interacting with the Chatbot.

The ILCU may collect and process data relating to users' interactions with the Chatbot, including prompts submitted, responses generated, user feedback and technical usage information, for the purposes of operating the Chatbot, maintaining security, improving functionality, monitoring performance and enhancing the services provided through the website. The ILCU will not use Chatbot conversations, uploaded content or the ILCU's knowledge base to train external AI models.

Chatbot conversations are retained to enable users to review previous interactions and for the administration and improvement of the Chatbot service. Such data may be retained for a limited period, generally not exceeding 30 days, before being deleted.  Users may delete their Chatbot history at any time.

The ILCU reserves the right to modify, suspend or withdraw the Chatbot, or any part of its functionality, at any time and without prior notice.

To the fullest extent permitted by law, the ILCU accepts no liability for any loss, damage, cost or expense arising from or in connection with any reliance placed upon information or responses generated by the Chatbot.

4.   We do not accept any liability for any loss or damage of any nature howsoever arising whether in negligence or for breach of contract or other duty as a result of use of this Website or reliance on the information contained in this Website.  Appropriate professional advice should be taken before acting or refraining to act on the basis of information contained on this site.

5.   To the fullest extent permitted by applicable law, neither ILCU nor any of its officers or employees will be liable for loss or damages arising out of or in connection with your use of, or your inability to use, the information on this website, and/or goods, facilities or services offered through this website or from any unauthorised access or alteration of this website, including, but not limited to, indirect or consequential loss or damages, loss of data, income, profit or opportunity, loss of or damage to property and claims of third parties, even if ILCU has been advised of the possibility of such loss or damages, or such loss or damages were reasonably foreseeable.

6.   This Site may contain links to other Web Sites.  The ILCU does not endorse and is not responsible for the contents of any linked site.  The use by you of such websites is at your sole risk.

7.   ILCU retains the right to terminate your rights to use this website or restrict availability of or to discontinue this website at anytime without cause, and without any liability to you.

8.   The ILCU does not provide any warranty as to the freedom of this site from errors, defects, viruses or other forms of harmful or malicious programs, components or macros.  ILCU expressly disclaims any and all liability for any infection by computer virus, bug, tampering, unauthorised access, intervention, alteration or use, fraud, theft, technical failure, error, omission, interruption, deletion, defect, delay, or any event or occurrence beyond the control of ILCU, which corrupts or affects the administration, security, fairness and integrity or proper conduct of any aspect of this website.  In all circumstances the use by you of this Website is at your sole risk.

9.   The information contained on these webpages is, unless otherwise specifically stated, the property of the ILCU. All intellectual property rights associated with the webpages and their contents are reserved to the ILCU and its licensors.

The information and material contained on these webpages is for personal use only and may not be copied, printed, published, transmitted, amended or reproduced in any form whatsoever without the prior consent of the ILCU. You are granted a limited licence solely for your own personal non-commercial use to browse/ bookmark any page within this website and to download the materials contained in this website to a single personal computer and to print a single hard copy of the Materials contained on this website for your own personal reference. The ILCU reserves the right to pursue any breach of copyright of ILCU material through the Irish Courts.

10.  In the event that any provision in these Terms and Conditions of Use is held to be unenforceable or invalid, such provision shall be severed and the remaining provisions shall be enforceable to the fullest extent permitted by the laws of Republic of Ireland.  Any waiver of any provision of these terms and conditions must be in writing and signed by ILCU to be valid. A waiver of any provision hereunder shall not operate as a waiver of any other provision, or a continuing waiver of the same provision in the future.

11.  The contents of this Website, including these Terms and Conditions of Use, any information contained on this Website and our Privacy Notice are subject to change and to being updated without notice from time to time.

12.  This Site is established in Ireland in accordance with, subject to, and governed by the laws of Ireland and any disputes arising shall be subject to the exclusive jurisdiction of the Irish courts.

13.  Only persons registered as members of ILCU ("Members") may access the "Member Section" of this website.

In consideration of being allowed to use this website provided by ILCU, you agree that you will not use the this website to engage in any activities that:

.            Infringe the proprietary or intellectual property rights or trade secrets of ILCU and/or its licensors and/or third parties;

.            Compromise the privacy of others

.            Are in violation of local, state, or national laws of any country;

.            Destroy the integrity of any data or other computer based information.

Approved and authorised individuals of a member credit union such as employees, volunteers and board members shall submit an access request and be subsequently approved for access to the member Section of this website by the Designated Safety Officer (“DSO”). 

Under exceptional circumstances the ILCU will consider granting third party access to the Member Section of this website. All requests for access by employees, volunteers, board members and in exceptional circumstances, third parties must be submitted via and approved by the credit union’s DSO. Access to third parties will only be granted once the Third-Party Website Access Exceptions Policy is followed and the Exceptions Application Form is fully completed, submitted for review and approved by the ILCU before any access is granted. 

Any failure to adhere to the above requirements regarding access to the Member Section of this website would constitute a breach of these terms and conditions. 

You hereby agree to indemnify and hold harmless ILCU against any claims, proceedings and actions taken and all damages (including costs) that may be awarded or agreed to be paid to any third party in respect of any claim or action arising as a result of your breach of this condition.

14.  You agree:

.            To provide certain current complete and accurate information as prompted to do so by the website, and

.            In the case of Members, to maintain and notify us of updates to this information as required to enable us to keep it current, complete and accurate.