Website Terms and Conditions
Please click on the links below to view the relevant sections
I Website Terms and Conditions
II Copyright Notices
III Legal & Regulatory Information
I Website Terms and Conditions
1. Access to this Site and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important and are for the protection of both you and us. Please take the time to read the terms and conditions carefully. By proceeding further you will be deemed to have accepted them.
2. Please note that a reference to 'we' and 'us' means AIB Bank (CI) Limited, Allied Irish Banks, p.l.c. and their subsidiaries and associates.
3. This Site is governed by the laws of Jersey or the Isle of Man, as we may elect at our sole discretion. When you use the Site, you accept that your use of the Site and any information on the Site, are also governed by the laws of these jurisdictions and if any dispute arises from your use of the Site or any of the information on it, you agree to allow such dispute to be heard in the courts of Jersey or the Isle of Man, as we may elect at our sole discretion. You may also be subject to applicable laws in force in countries in which you are resident or if relevant, from which you access this Site.
4. We have provided the contents of this Site for your information only. The distribution of information on the Site may be restricted by local law or regulation in certain jurisdictions. This information is not intended for distribution to, or use by, any person or entity in any such jurisdiction and persons accessing these pages should inform themselves about and observe any such restrictions. If you are in any doubt as to whether this Site can be lawfully used by you please do not proceed further.
5. The information contained in the pages of this Site is not an invitation or offer to invest in the shares of Allied Irish Banks, p.l.c., or any product or service of AIB Bank (CI) Limited, Allied Irish Banks, p.l.c. or their subsidiaries or associated companies, or otherwise to deal in these or enter into a contract with us or any other company. The information is provided for general information purposes only and should not be relied upon in connection with any investment decision.
6. Information about the products and services on this Site is subject to specific restrictions concerning the persons to whom such information may be made available. In particular, but without limiting the generality of the foregoing, the information is not directed at persons in the Republic of Ireland, the United States of America or Canada. Furthermore the products and services are not available or offered to persons who are resident and domiciled in the United States, Canada or the Republic of Ireland. Where details of restrictions are set out on pages to which they relate you should read those details carefully before proceeding to the rest of the relevant page.
7. The Credit products and services described on this Site and offered by AIB Bank (CI) Limited are not designed for persons resident in the United Kingdom and the content of this Site relating to Credit products and services is not intended for persons resident in the United Kingdom. This website should not be regarded as a solicitation for Credit business in the United Kingdom.
8. Information about some of the products and services on this Site is subject to additional Legal Notices and / or Warning Notices. These notices are important and are for the protection of both you and us. Please take the time to carefully read the Notices and Warnings on, or that you are directed to from, the pages of this Site that you visit.
9. We have given the information on the Site in good faith. Although we have made all reasonable efforts to ensure that all of the information on the Site is accurate at the time of inclusion, we do not represent that this is the case and it should not be relied upon as such. Please note that we may update or alter the information on this Site at any time without giving notice of the alterations. Any opinions and estimates expressed reflect our judgement at this date and are also subject to change without notice. Accordingly you agree not to hold us responsible for any inaccuracies or omissions. If you do not understand or if you have any queries on any of the information on the Site, we recommend that you consult a professional financial adviser.
10. AIB Bank (CI) Limited recommends that you seek independent professional tax and other financial advice.
11. Please note that the sending of personal information via email over the internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the Internet unless you are using a secure or encrypted communications technology.
12. Some pages on this Site contain hypertext links to websites not maintained by us. You are reminded that when you enter other websites via such hypertext links, you will not be subject to these terms and conditions and you will not benefit from the protections afforded to you in using our Site. We will not be liable in any way for the content, availability or use of such linked websites and you use such links entirely at your own risk.
13. Some of the pages on this Site contain hypertext links to websites of Allied Irish Banks, p.l.c., or its business units, subsidiaries or associates. You are reminded that when you enter such Sites, you will be subject to the terms and conditions of those Sites.
14. No third party is permitted to link any other website to this Site without obtaining our prior written consent.
15. Access to and use of this Site is at the user's own risk and we do not represent or warrant that the use of this Site or any material downloaded from it will not cause damage to property, including but not limited to loss of data or computer virus infection. Under no circumstances do we accept liability of any description including liability for negligence for any damages whatsoever resulting from loss of use, data or profits arising out of or in connection with the access, use or performance of this Site or any its contents.
16. Cookies are files which are transferred to your computer's hard disk by a website. Cookies can store information about your preferences and other information which you need when you visit a website. AIB Group uses cookies to monitor our website traffic, to ensure better service levels and in order to provide you with certain features such as the customised delivery of certain information. To prevent the use of cookies you should activate the facility which is available in most web browsers that enables a user to deny or accept cookies. Find out how to enable/disable cookies.
Statistical and analytical information collected through the standard operation of our internet servers and logs provides us with general and not individually specific information.
17. The information contained in this Site is for information purposes only. Whilst reasonable care has been taken in its preparation we do not make any warranties or representations as to the completeness, accuracy or reliability of the contents of this Site. We neither accept nor assume any responsibility to you in relation to the contents of this Site.
18. The contents of this Site, including these terms and conditions, are subject to change by us without notification. The information in this Site may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in this Site up to date or liability for any failure to do so.
19. Copyright in the Site and the information set out on it belongs to us and may not be copied, transmitted or reproduced without our prior consent.
1. Main copyright notices
Save where otherwise specified the contents of all the pages contained in this Site are © AIB Bank (CI) Limited 2001-2009. All rights reserved.
Reproduction of part or all of the contents of the pages in any form is prohibited other than in accordance with the following permissions. You may make an electronically stored, transient copy of the pages of this Site for the exclusive purpose of personal on-line viewing.
2. Licence to copy to paper, hard disk or diskette for personal use
You may print or download to disk the contents of the AIB Jersey & Isle of Man Site pages for the purpose of private study. However, you may only make one copy thereof.
3. General exclusions from licence
This licence to copy does not permit incorporation of the material or any part of it in any other work or publication, whether in hard copy or electronic or any other form. In particular (but without limitation) no part of this Sites' pages may be distributed or copied for any commercial purpose.
No part of this Site may be reproduced on or transmitted to or stored in any other website or other form of electronic retrieval system.
Below we provide you with information about AIB Bank (CI) Limited and its subsidiaries that provide products and services described on this Site. We also set out details of relevant dispute resolution schemes and financial compensation schemes.
1. AIB Jersey & Isle of Man is a registered business name of AIB Bank (CI) Limited. AIB Bank (CI) Limited and its wholly owned subsidiary, AIBJerseytrust Limited, are both regulated by the Jersey Financial Services Commission.
2. AIB Bank (CI) Limited is regulated by the Jersey Financial Services Commission to carry on deposit-taking and investment business. Portfolio Management Services are provided by AIB Bank (CI) Limited.
3. The Isle of Man branch of AIB Bank (CI) Limited is regulated and licensed by the Isle of Man Financial Supervision Commission.
4. If your account is held with the Jersey office of AIB Bank (CI) Limited, the home jurisdiction of that account is Jersey. AIB Bank (CI) Limited is incorporated in Jersey, its principal place of business; Registered number 22189. Its registered office is at AIB House, 25 Esplanade, St Helier, Jersey JE1 2AB. Its audited, consolidated paid up capital and reserves exceeded GBP124.1 million as at 31 December 2009.
5. If your account is held with the Isle of Man branch of AIB Bank (CI) Limited, the home jurisdiction of that account is the Isle of Man. AIB Bank (CI) Limited is registered in the Isle of Man as a foreign company having a place of business in the Isle of Man with registered number 004689F. The business address of the Isle of Man branch is 10 Finch Road, Douglas, Isle of Man IM1 2PT.
6. AIB Bank (CI) Limited and all of the companies referred to below are wholly owned subsidiaries of Allied Irish Banks, p.l.c., which is incorporated in Ireland where it is regulated by the Financial Regulator. The term AIB Group comprises Allied Irish Banks, p.l.c., and its subsidiaries.
7. AIB Bank (CI) Limited places funds with other parts of the AIB Group and thus its financial standing is linked to that of the Group. Depositors may wish to form their own view on the financial standing of AIB Bank (CI) Limited and the Group based on publicly available information. The latest audited Summary Financial Statement of AIB Bank (CI) Limited may be obtained by contacting AIB Bank (CI) Limited at the addresses above or by clicking the download at the foot of this page. The latest report and accounts for the Group are available on the AIB Group website at www.aibgroup.com.
8. The terms 'secure', 'safe', 'full capital protection', 'capital security' or similar used anywhere on this Site in relation to capital protected products, also referred to as tracker deposits, refer only to the ordinary contractual obligation of AIB Bank (CI) Limited to repay your deposit and any minimum return, if applicable, in full following the maturity date. Capital protected products are not guaranteed by any third party and your rights to repayment in the event of the liquidation of AIB Bank (CI) Limited are the same as for any other unsecured depositor of the Bank. AIB Bank (CI) Limited's capital protected products operate for a fixed term. No withdrawals may be made before maturity. These products will not be suitable for you if you require access to your capital before maturity or an income from your capital.
9. Financial Compensation Schemes: The Jersey office of AIB Bank (CI) Limited is subject to the Banking Business (Depositors Compensation) (Jersey) Regulations 2009. The Isle of Man branch of AIB Bank (CI) Limited is a member of the Isle of Man Depositors? Compensation Scheme as set out in the Compensation of Depositors Regulations 2008.
10. Dispute Resolution Schemes: If you are dissatisfied with the service you receive please contact us at the relevant address given above. AIB Bank (CI) Limited has an internal complaints procedure. We treat all complaints seriously and will investigate and aim to resolve any complaint made. Complaints made by private individuals that cannot be settled by the Isle of Man branch of AIB Bank (CI) Limited can be referred to the Financial Services Ombudsman Scheme for the Isle of Man which may be contacted at: The Financial Services Ombudsman Scheme, Government Buildings, Lord Street, Douglas, Isle of Man. There is no equivalent dispute resolution scheme in Jersey, however customers with accounts held with the Jersey office of AIB Bank (CI) Limited may refer any complaint to the Jersey Financial Services Commission, PO Box 267, 14-18 Castle Street, St Helier, Jersey JE4 8TP.
11. Deposits made with the offices of AIB Bank (CI) Limited in Jersey or with its branch in the Isle of Man are not covered by the Financial Services Compensation Scheme under the UK Financial Services and Markets Act 2000 (FSMA). Neither AIB Bank (CI) Limited nor its branch in the Isle of Man are authorised by the UK Financial Services Authority under the FSMA. The protections conferred by the FSMA do not apply to any promotion of our services nor to any activity that may be engaged in as a result of the promotion of our services.
12. Trust and company administration services are provided in Jersey by AIBJerseytrust Limited which is regulated by the Jersey Financial Services Commission to carry on trust company business. It is incorporated in Jersey and has its registered office at AIB House, 25 Esplanade, St Helier, Jersey JE1 2AB. AIBJerseytrust Limited is a wholly owned subsidiary of AIB Bank (CI) Limited.
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To view the latest audited Summary Financial Statement of AIB Bank (CI) Limited please click on the link below.
We have taken all reasonable steps to exclude viruses from this file, but we cannot guarantee such exclusion and you should therefore take appropriate steps in respect of any such risk.
