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Legal statement

This legal statement was last updated: November 2011

Terms and Conditions

There are risks in using any information, software products on the internet and the National Consumer Agency (NCA) cautions you as the user to make sure you completely understand these before retrieving, using or relying upon any information received on the internet. It is your responsibility to verify any information before relying on it.

The NCA reserves the right to make alterations to any part of this site and these terms.

The terms set out in these pages shall be governed, construed and in accordance with laws of the Republic of Ireland, and users irrevocably agree that the courts of the Republic of Ireland are to have non-exclusive jurisdiction to settle any disputes that may arise out of or in connection with these terms.

If any provision of these terms is determined by a court of competent jurisdiction to be invalid or unenforceable in whole or in part, the validity and the enforceability of the remainder of the provision in question and of the remaining provisions of these terms shall be separate and several and construed and enforceable accordingly and shall continue in full force and effect.

The failure of the NCA to enforce at any time or for any period any one or more of the terms or conditions of these notices shall not be a waiver of them nor of the right at any time subsequently to enforce all terms and conditions of these notices.


The website is owned and operated by the NCA. The materials on this site and its subsites are owned or licensed by the NCA.

Every effort is made to ensure that the information provided on these sites is accurate and up to date. If you notice any errors or omissions please let us know as soon as possible. It is our policy to correct errors within a reasonable period of time.

By accessing and using this site you are agreeing to these terms and conditions. Users must read the important disclaimers which follow, as they affect the use of this site.

The contents of these pages are provided as an information guide only. The NCA does not give any warranties in respect of the site or in relation to the accuracy of the information or materials on the site or in relation to any software or services available through the site. The NCA does not warrant or represent that the site or its contents are accurate, complete, current or virus free.

There may be other sites listed on this site. The NCA does not own, control or monitor such sites and is not responsible for the availability or content of such sites. Links to such sites are provided solely as a convenience to the user and do not constitute any endorsement, authorisation, sponsorship or affiliation by the NCA of such sites, their owners or providers.

While every effort is made in preparing material for publication, no responsibility is accepted by or on behalf of the NCA or its third-party providers for any errors, omissions or misleading statements on these pages or any site to which these pages connect.

The NCA denies all warranties of every nature whatsoever including without limitation, any implied warranties of quality or fitness for a particular purpose, any expressed or statutory warranties, and any warranties or duties regarding accuracy, timeliness, completeness or performance.

The use of this website is at the user's sole risk. The National Consumer Agency shall have no liability for any loss or damage arising out of negligence or otherwise howsoever as a result of use of or reliance on the information on this site. 

The information available on this site is a general guide to common personal financial services products. Nothing on this site is intended to be, or should be construed as:

1. An invitation, offer or inducement to you or any other person to engage in investment activity, or to enter into any type of financial arrangement.


2. Advice on the merits of, or a recommendation in relation to, any particular product or product provider.

The results from our calculators are estimates only and may differ slightly from some financial institutions, as interest may be calculated in a slightly different way.


The copyright in the material available on this site is, unless otherwise specifically stated, the property of the National Consumer Agency. The consent of the National Consumer Agency is required before this material or any part of it may be copied or adapted in any form or made available to the public by any method and any such consent is conditional upon appropriate acknowledgement being given of the National Consumer Agency. In the event of any unauthorised use of  such material, the National Consumer Agency reserves the right to initiate legal proceedings to assert and defend its interests.

You are granted permission (a license) to:

  • browse this material (including making such copies in RAM or other temporary storage device necessary to facilitate such browsing);
  • print out hard copies for personal or business use;
  • create links to the National Consumer Agency's homepage, save files, distribute and reproduce pages - provided the source is stated and the material is not distorted.
    (N.B. In particular, URLs on personal or business sites which point to elements of our website must be configured so that materials accessed on our servers are displayed as the sole element of the browser window);
  • reproduce and/or re-use the information and documents obtained from this website provided that such re-use is subject to your compliance with all terms of the latest public sector information (PSI) licence. You can get more information on the PSI website.

Financial Product Comparisons

Data for the banking product comparisons (day-to-day banking, borrowing and credit, and savings) is provided by financial institutions on an always up-to-date basis.

The content provided is for consumer use. The content's association with the National Consumer Agency website may not be used in a commercial context or for commercial purposes without the prior written approval of the National Consumer Agency. 

Financial Product Comparisons

Data for the banking product comparisons (day-to-day banking, borrowing and credit, and savings) is provided by financial institutions on an always up-to-date basis.

The content provided is for consumer use. The content's association with the National Consumer Agency website may not be used in a commercial context or for commercial purposes without the prior written approval of the National Consumer Agency.

Reproduction of our website content (offline)

If extracting information from our website include this sentence at the beginning;

'This information has been taken from the National Consumer Agency's website' , or indicate 'Source: National Consumer Agency'.

Reproduction of our website content (online)/links to our website.

a.  You will ensure that it is obvious that the link to our information is a link to the National Consumer Agency.

'This information has been taken from the National Consumer Agency's website or indicate 'Source: from the National Consumer Agency' . Where direct hyperlinks to the site are not included, spell out the URL

b.      Use of any illustrations using our official logos or trademarks is not permitted. For further information contact us. 

c.       If links are made from a frames-based website, our pages will not be displayed as frames within that website – or in any way where web-users may misunderstand the true origins of the page.  

d.      Links may not be put in a context that would make web-users believe that we endorse or support the contents or objectives of the other website or any organisation related to it.

e.        We do not permit any unauthorised commercial ventures such as online advertising/promotion on our site.

Reference to the National Consumer Agency – use of abbreviations and acronyms is not permitted.

The name of the organisation for public information purposes is: National Consumer Agency.


This site is subject to change from time to time. While the National Consumer Agency attempts to assure the correctness and timeliness of all material posted on the site, it takes no responsibility for errors or omissions which may be the result of technical causes, or otherwise. This applies to all aspects of the site including data in cost comparisons. Further, the National Consumer Agency specifically disclaims all responsibility for damage or loss arising as a result of use of information provided herein.

The National Consumer Agency maintains the right to delete or modify in part or in full any information on this site without prior notice.

Re-use of Public Sector Information

The National Consumer Agency complies with the regulations on the re-use of Public Sector Information and we encourage the re-use of the information that we produce. The regulations are available at

Information and documents contained on this website are the copyright of the National Consumer Agency unless otherwise stated and may be reproduced and / or re-used subject to the latest PSI licence available at

Re-use includes copying, issuing copies to the public, publishing, broadcasting and translating into other languages. It also covers non-commercial research and study.
Certain conditions apply to the re-use of information:

  • Acknowledge the source and our copyright in cases where you supply the information to others;
  • Reproduce the information accurately;
  • Do not use the information in a misleading way;
  • Information must not be used for the principal purpose of advertising or promoting a particular product or service;
  • Do not use the information for or in support of illegal, immoral, fraudulent, or dishonest purposes.
  • The National Consumer Agency is not liable for any loss or liability associated with the re-use of information and does not certify that the information is up-to-date or error free.
  • The National Consumer Agency does not authorise any user to have exclusive rights to re-use of its information.
  • The links above are provided to improve public access to information and exist only for the convenience of those who use this website.

Please email us with any queries regarding the reuse of information on this website.

NCA Competition Terms and Conditions 

1. To enter any of the NCA’s competitions, you must be: (a) a resident in the Republic of Ireland; and (b) 16 years old or over at the time of entry.

2. Competitions are not open to employees of the NCA or their family members, employees on secondment to the NCA or their family members, at the time of entry or any suppliers with contracts in place at the time of entry.

3. No purchase necessary.

4. Only one entry per person.

5. You must enter each competition in the way stipulated – for example, entries received by email or by post for a Facebook competition will not be accepted.

6. Sending an e-mail is not proof that we have received your entry. No responsibility can be accepted for entries that are lost or delayed, or which are not received for any reason.  

7. The winners will be selected by the judges. In certain circumstances, the NCA may decide to award a shared prize between a number of winners. The judges’ decision is final and no correspondence will be entered into.

8. The closing date is as specified in each competition and the NCA reserves the right to amend the competition end date at any time.

9. If you win a competition, we will notify you as outlined in each competition.

10. By entering the competition the winner agrees to have their name published on our websites and social media channels.

11. By entering the competition the winner agrees to participate in such reasonable promotional activity as the NCA may require.

12. The prize will not be transferable to another person.

13. No part of a prize is exchangeable for cash or any other prize.

14. If an advertised prize is not available, we reserve the right to offer an alternative prize of equal or greater value.

15. Incorrectly completed entries will be disqualified and removed from public view.

16. The NCA reserves the right for good and sufficient reason to disqualify any entrant.

17. All competitions are run by The National Consumer Agency, Harcourt Road, Dublin 2.

18. Some of our competitions use Facebook and may require you to access a third party Facebook approved app. This app may have access to your Facebook details and may post to your wall. You will be asked to agree to this before proceeding. The NCA is not responsible for any data protection compliance measures or issues that may be associated with your entry to the competition.

19. The NCA, for good and sufficient reason, reserves the right to amend these rules at any time. The NCA may also create rules which will apply to a specific competition only. If we do this we will publish the amended competition rules and/or specific competition rules on the relevant competition page.

20. The NCA will endeavour to dispatch prizes to the respective winners within a month of the competition end date.

© National Consumer Agency, 2011. All rights reserved.

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