Terms & Conditions

Terms & Conditions2018-11-06T16:23:10+00:00

The following terms and conditions are applicable to the use of this website. Please read the terms in full before you start using the site as continuing with use of the website implies that you accept these terms. These terms are subject to change without notice. Within this document, “APT” refers to APT Workplace Pensions Limited and APT Wealth Management Limited.

Use of this site is acceptance of the following terms and conditions.

1. Basis of Use

Information appearing on this website is provided in accordance with and subject to the laws of Ireland and you are hereby advised that, by virtue of your browsing or accessing this website you have accepted the laws of Ireland as the law governing the conduct and operation of this website. The courts of Ireland shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with this website and its use. This website is for the purposes of providing information to users only (that is, you, and such expression “you” shall include but is not limited to all your employees, representatives and other persons acting with your authority express or implied, those acting with your knowledge and/or under your direction) of this website but excepting any of such users who are prohibited under the applicable laws of their citizenship, domicile or residence from receiving such information and/or receiving such information in the format presented on this website.

2. Use of Information

The information contained on this website is provided for information purposes and is not intended to constitute an offer or solicitation of services to you to buy or sell any products or services of APT. The information provided on this website is subject to change and update from time to time. Whilst we have taken all reasonable steps to ensure that the information is correct, neither APT nor any other person involved with the provision and maintenance of this website takes any responsibility in respect of any inaccuracy, incorrectness or incompleteness in such information provided. The use of such information is at your sole risk. APT does not accept liability for any loss or damage arising out of negligence or otherwise howsoever as a result of use of or reliance on this information, whether authorized or not. Any content or information received via this website should not be relied on for personal, financial or business decisions and you should consult an appropriate professional for advice which is specifically tailored to your particular circumstances.

3. Privacy

In accessing this website you accept that the electronic mail and other transmissions passing over the Internet may not be free from interference by outside third parties and may not remain confidential:

4. Limitation of liability

APT nor any member of the APT companies provides any warranties or representations of any kind whether express or implied that this website will be free from, inaccuracies, incompleteness, incorrectness or defects, including but not limited to viruses or other harmful elements

APT shall not accept liability for any infection by computer virus, bug, tampering, unauthorised access, intervention, alteration of use, fraud, theft, technical failure, error, omission, interruption, deletion, defect or delay which corrupts or affects the administration, security, fairness and integrity or proper conduct of any aspect of this website. To the fullest extent permissible by applicable law APT hereby disclaims all warranties, express or implied. To the fullest extent permitted by applicable law, neither APT , nor any member of the APT companies, nor any of their directors, employees, agents, representatives or contractors will be liable for loss or damages arising out of or in connection with your use of, or your inability to use this website and/or facilities or services offered through this website, including but not limited to, indirect or consequential loss or damages, loss of data, income, profit or opportunity, loss of or damages to property and claims of third parties. If this clause is unenforceable in whole or in part in any jurisdiction then in no event will APT or APT representatives’ total liability to you for all damages, losses and claims whether in contract, tort (including but not limited to negligence) or otherwise exceed the amount paid by you, if any, for accessing this website.

5. Accuracy of Information

APT uses all reasonable skill and care in compiling the information shown on this website. However, errors or omissions in the information may occur because of several factors which are inherent in any Internet access system and are not within our reasonable control, for example (without limitation), unauthorised access to this service, or the effects of machine, software or operator error or malfunction in connection with data transmission. APT does not accept any responsibility and will not be liable for any such errors or omissions. Information is updated regularly. However, certain inaccuracies may occur and, APT advises you to confirm the accuracy of any information with APT before seeking to rely on such information. APT will use reasonable effort to ensure the accuracy and completeness of all such information. Accordingly, you agree not to hold APT responsible for any inaccuracies or omissions.

6. Availability of Website

The website may be temporarily unavailable or restricted for administrative or other reasons and APT does not accept any responsibility and will not be liable for any loss or damage arising out of or in connection with loss of use of the website. Access to the website may also be prevented by certain factors outside the reasonable control of APT (a ‘Service Disruption Event’) including, without limitation, the in-operation, inefficiency or unsuitability of the hardware or software used to access the website and the unavailability, in-operation or interruption of Internet or other telecommunication services. APT does not accept any responsibility and will not be liable for any loss or damage arising out of or in connection with such a Service Disruption Event.

7. Links

APT accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these websites not being available at all times. APT is not responsible for anything mentioned on or linked to this website by any third party over which we have no control. Where a link to a non-APT website exists, which has not been authorised by APT, APT will not be responsible or liable in any way for the content of such linked website including any products, services or other items offered through that website. The inclusion of hyperlinks to websites does not imply any endorsement by use of the material on such websites.

8. Use of the Website

You undertake to indemnify APT in respect of any loss or damages which may arise because of your non-compliance with these conditions. APT shall not be, in any circumstances, liable to you for any special, indirect loss or any loss of data or loss of profit suffered or incurred by you.

9. Use of the Online service

The APT Online Service can be accessed through the APT website or through an application on a hand-held device. An individual who accesses the Online Service through the APT Website or through an application on a hand held device (hereinafter called “the User”) undertakes to comply strictly with the conditions and the operating instructions set out in the APT Online Service (which are designed to minimise the risk of unauthorised use of the APT Online Service ) and to indemnify APT in respect of any loss or damages which may arise as a consequence of the User’s non-compliance with the conditions and the operating instructions set out in the APT Online Service. APT shall not be, in any circumstances, liable to the User of the Online Service for any special, indirect loss or any loss of data or loss of profit suffered or incurred by the User of the Online Service.

10. Alteration to these Terms & Conditions

APT may at any time amend, supplement or replace these Terms and Conditions as a result of changes in the company’s policies, changes in technologies, to cater for new products, to comply with legal, taxation, or regulatory requirements or other circumstances affecting APT or the services it offers.

11. Indemnity

APT shall not be held liable for any loss or damage suffered by any person as a result of your breach of any of the aforementioned Terms and Conditions.

12. Disclaimer

While APT uses reasonable efforts to ensure that the information contained on its website is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. APT, therefore, cannot be held liable for any loss or damages arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website, whether this information is provided directly by APT, a sponsor or other information provider. In addition, no warranty is given as to the freedom of this website from errors, defects, viruses or other malicious programs or macros. APT reserves the right to suspend or withdraw access to the pages of this website without notice at any time and accepts no responsibility for these pages not being available at all times.

13. Severability

If any clause of these terms and conditions is declared to be invalid, it shall be deemed to be severable and shall not affect the validity or enforceability of the remainder.

14. Headings

The headings and numbering conventions of these terms and conditions are used solely for convenience and will not be used in interpreting the contents of this agreement.

15. Entire Agreement

These terms and conditions constitute the entire agreement between you and APT in relation to the use of this website, save as amended or modified by other terms and conditions within this website or other modifications published on this website in the future from time to time and shall supersede any and all prior promises, representations, agreements, statements and understandings whatsoever which existed or may have existed in relation to the use of this website, between you and APT.

16. Registered Offices

APT Workplace Pensions Limited and APT Wealth Management Limited have registered office addresses at Apex Business Centre, Blackthorn Road, Sandyford, Dublin 18.

APT Wealth Management Limited is regulated by the Central Bank of Ireland.