Terms and Conditions of Use

Please read the following terms and conditions carefully. Access to and the use of this website (the “site” or “Harcourt Life Ireland site”) is subject to these Terms and Conditions. This website is owned and operated by Harcourt Life Ireland dac (“Harcourt Life”), a company incorporated in the Republic of Ireland.

By using this Harcourt Life website or by downloading materials from the website, you acknowledge your agreement with and your understanding of the Terms and Conditions set forth in this notice. By using this website you will be deemed to have irrevocably agreed to these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use this website. These Terms and Conditions are subject to change at any time.

The information contained within the website is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorised to access or use any of the information contained within this Harcourt Life website.

Please ensure that you have read and understood these Terms and Conditions before proceeding any further.

Access to Site and User Conduct

The contents of Harcourt Life’s website pages are the property of Harcourt Life. All rights reserved. No part of the contents of Harcourt Life’s website pages may be copied, reproduced, transferred, uploaded, published or distributed in any way without Harcourt Life’s prior written permission.

The trademarks and logos displayed on this website are the property of Harcourt Life and its affiliates. They cannot be used on any website without the prior written consent of Harcourt Life. The Harcourt Life name cannot be incorporated into an Internet address without the prior written consent of Harcourt Life.

Harcourt Life reserves the right to suspend or withdraw access to this website without prior notice at any time and accepts no responsibility for the web pages or website not being available at all times. We reserve the right to deny users access to this website or any part of it without prior notice and to decline to provide the service to any users that are in breach of these Terms and Conditions.


The information on this website is provided in good faith and Harcourt Life believes it to be accurate. Harcourt Life will do its utmost to ensure that the information presented in the website fully conforms to the requisites of reliability, truthfulness and accuracy. However, Harcourt Life does not undertake any obligation or responsibility to update or amend any data, that appear in this website exclusively for the purpose of providing information on the activities of Harcourt Life.

In no event shall the Company, nor any of its subsidiaries or affiliates, be liable for any costs or damages, including any direct, indirect, special, incidental, or consequential damages arising out of, or in connection with the access or use of, or the inability to access or use, this website or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this website or any website linked to, or linking into this website.

It is the responsibility of the user of this website to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided in this website is under the condition and understanding of it not being interpreted or relied on as professional advice. Users of this website should consult their professional advisors with respect to their personal circumstances. Harcourt Life accepts no responsibility for the reliability, truthfulness accuracy and validity of any information in the content of the website which cannot be ascribed to Harcourt Life.

The information contained in this website is produced by internal Harcourt Life sources. Harcourt Life reserves the right to modify the said information and the functional and operational use specifications applying to the website as and when it chooses to do so, at its own discretion and with no forewarning.

Harcourt accepts no responsibility for any errors or imprecision in the content of the site resulting from circumstances that cannot be ascribed to Harcourt Life.

No liability

In using this website you specifically agree that you will not hold Harcourt Life liable to you or any party for any direct, indirect, special, punitive or other consequential damages of any kind arising out of any use by you of this website (or any other linked website), whether those damages are financial in nature or result from lost, corrupted, incomplete or interrupted data or transactions. The information contained within this website is by necessity of a general nature and further information should be sought by contacting us with your specific requirements.

Not an Offer

No information contained in this website constitutes a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction by Harcourt Life or its affiliates. Some information may be found on the Harcourt Life site as its publishing is required or recommended by law, regulations and provision of self-regulatory codes.

Governing Law and Jurisdiction

The website, these Terms and Conditions and any claim in connection herewith shall be governed in accordance with the laws of the Republic of Ireland without reference to principles of conflicts of laws. In the event of any disputes in relation to the website, all parties will be subject to the jurisdiction of the courts of the Republic of Ireland.

The website is not directed for the use of any person that is in any jurisdiction that the publication or availability of the website and its content is contradictory to local laws or regulations.

Links to Other Sites

The links from this website to other websites are provided for your information and conveniences purposes only. Harcourt Life assumes no responsibility or liability for material created or published by third parties that Harcourt Life’s website pages have a link to. Harcourt Life does not review or monitor these links. If you decide to visit any linked sites, you do so at your own risk and it is your own responsibility to take measures against viruses and other destructive elements. Some websites may be outside your country and subject to different rules and regulations.

Links do not imply that Harcourt Life sponsors, refers, endorses, approves, advertises, offers or solicits or is affiliated with any entity whose products or services are described thereon.

The links provided to other publicly accessible websites is legally permissible and is consistent with the common expectations of those who make use of the Internet.

Without the written consent of Harcourt Life, no person or website may create a link to this website.

Updating to E-mail

There is no guarantee we will receive any e-mail you send us. E-mails may not be protected by privacy security and should not be used for confidential information. If you have any concerns, you may wish to telephone or write to us instead.

General User Conduct

When accessing or making use of any part of this website, you may not:

  • Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind that may give rise to civil liability or otherwise violate any national or international law;
  • Post or transmit any information or software which contains any form of virus;
  • Interfere with the functioning of this website or restrict or inhibit other users from using this website;
  • Post, publish, transmit, reproduce, distribute or exploit any information obtained through this website for commercial purposes without the prior written consent of Harcourt Life.
Information Updates

All contents included within this website, including these Terms and Conditions, are subject to being updated and changed at any time, without notice.

Website Property Rights

The intellectual property rights and all other rights relating to all content on this website belong to Harcourt Life. Harcourt Life retains all rights, title, interest and intellectual property rights in the content of this website. Use of the content of this website is restricted to personal use by you. Any storing, reprocessing, reutilising, reproduction, distribution, dissemination or transmission of all or part of the content of this website is prohibited except where expressly permitted by Harcourt Life.

Warning Notice