useragreement

Welcome to Making-Cents, your gateway to the following information and services:
The Making Cents website is operated by Harmoney Croke Finance Limited, a company registered in Ireland under company registration number 703631 and having its registered office at Amalfi, Mount Catherine, Co. Clare.

By using our service, you are agreeing with Making-Cents Ltd to be bound by these Terms of Use in relation to the, making-cents.ie website and those services which are provided by Making-Cents Ltd.

Registration

By registering, you certify that all information you provide in the registration is accurate. Employees may only maintain one active registration. In other words, it's one registration per person. By accepting this agreement, you certify that you have no other registration with making-cents.ie

You must have a valid email registered with us at all times. If an email that we send to you should bounce for some reason, your account may be temporarily suspended until you contact us with a verifiable address.

Accessing our site

Access to our site will be permitted on the approval of Your Employer, and we reserve the right to withdraw or amend the service we provide on our site, on their instruction without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

Our content

In this section, 'Content' means any information, mode of expression, or other material and services found on making-cents.ie. This includes question, answer, review, comment, tip or other piece of user-generated content, as well as software, our writings, graphics and any and all other features that may be found on the site.

Except as expressly provided in these Terms of Use, all of the Content on this site is the property of Making-Cents Ltd or its licensors and is protected by Irish and international copyright laws.

Our Content is intended for individual, personal use only. Accordingly, you may make one copy of our content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: "Copyright 2013 Making-Cents Ltd." Any other copying, distribution, storing or transmission of any kind, or any sort of commercial use of our content, is strictly prohibited without our prior written permission.

The information provided on making-cents.ie is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. You should not rely on the information you find here to inform your decisions; rather, use it as a starting point for doing your own independent research.

In the material we make available on our site, we rely on a wide variety of sources and other websites. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be. Making-Cents Ltd. makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site. Nor is Making-Cents Ltd. liable for any errors or delays in the content or transmission of the data on our site.

Conduct

making-cents.ie are champions of active and open debate. All that we ask is that it's done in a lawful and civil manner – be it in the asking or answering a question on Q and A or using any other interactive feature on our site.
Accordingly, you agree to use making-cents.ie for lawful purposes only. You may not use, or allow others to use, your making-cents.ie membership to:

post or transmit any content that is abusive, vulgar, obscene, hateful, fraudulent, unlawful, threatening, harassing, or defamatory or which discloses private or personal matters concerning any person
post or transmit any material that you do not have a right to transmit under law (such as copyright, trade secret or securities) or under contractual or fiduciary relationships (as in nondisclosure agreements)
post, transmit, or link to sexually explicit material
impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with anyone or entity
post or transmit statements that are intentionally false or misleading, or use such statements to manipulate the market for any security
post or transmit any advertising, promotional materials, or other forms of solicitation including chain letters or pyramid schemes
intentionally violate the laws, rules and regulations of the Financial Regulator and the national or other securities exchanges
intentionally violate any other applicable law or regulation while accessing and using our site;
collect or store personal data about other site users
post or transmit any file that contains viruses, corrupted files, 'Trojan Horses', or any other contaminating or destructive features that may damage someone else's computer or attempt to gain unauthorised access to our site. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We reserve the right to monitor any information transmitted or received through our service. Making-Cents Ltd, at our sole discretion and without prior notice, may at any time review, remove, or otherwise block any question or terminate your membership for violating the above provisions.
Please notify us immediately if you have been harassed in any manner or you feel that anything done by any other user of making-cents.ie is in violation of the Terms of Use.
You are responsible for all statements made and acts that occur through the use of your membership and password. You must not disclose your password to anyone. If your password has been stolen, you must let us know immediately.

Indemnification

You agree to indemnify, defend, and hold harmless Making-Cents Ltd/Your Employer, affiliates, directors, officers and employees from and against any claim, liability, cost, damage or loss we may incur (including, without limitation, solicitors’ fees) as a result of any material you post on our site or any violation by you of your obligations under these Terms of Use.

Disclaimer of warranties and liability

Making-Cents Ltd cannot and does not warrant the completeness or accuracy of the news, information, or other content found on our site, or its usefulness for any particular purpose.

You agree that Making-Cents Ltd and Your Employer shall not be liable for any decision made or action taken by you or others based upon reliance on news, information, or any material published at making-cents.ie.
All information provided on making-cents.ie is to be used on an 'as is, with all faults' basis. We make no promises that our content or the service itself will be delivered to you uninterrupted, secure, error-free or delivered in a timely manner.

Now what does all this mean? It means that you agree that under no circumstances shall Making-Cents Ltd and Your Employer be liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of any content on the making-cents.ie site. This includes, but is not limited to, loss or injury caused by contingencies beyond our control in creating or delivering any portion of making-cents.ie. Nothing herein excludes or limits making-cents.ie’s liability for death or personal injury caused by its proven negligence, or excludes or limits our duties or any liability under any applicable law.

Making-Cents Ltd and Your Employer will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site or to your downloading of any material posted on it, or on any website linked to it.

General information

If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. These Terms of Use shall be governed by the laws of Ireland as if the Agreement was a contract wholly entered into and wholly performed within Ireland. The courts of Ireland shall have exclusive jurisdiction in relation to any disputes arising under or in connection with these Terms of Use, but without prejudice to Making-Cents Ltd ability to bring proceedings against a user in the courts of any jurisdiction.

Provide accurate information

You, the end user, agree to provide true, accurate, current and complete information about yourself if and when you ask a question on the making-cents.ie website and you agree to not misrepresent your identity or your information. You agree to keep your information up to date and accurate.

Proprietary rights

You are permitted to use content delivered to you through the service only on the service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology.

Disclaimer of warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Making-Cents LTD AND YOUR EMPLOYER EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM making-cents.ie THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Limitation of liability

YOU AGREE THAT Making-Cents LTD AND YOUR EMPLOYER NOR ANY OF ITS AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF Making-Cents LTD AND YOUR EMPLOYER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE;
(ii) ANY BREACH OF THE SERVICE’S SECURITY MEASURES
(ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES,
(iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED, THROUGH OR FROM THE SERVICE;
(iv) UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA;
(v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE;
(vi) THE USE, INABILITY TO USE, UNAUTHORISED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR
(vii) ANY OTHER MATTER RELATING TO THE SERVICE.

Indemnification

You agree to protect and fully compensate Making-Cents Ltd and Your Employer and its affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable legal fees) caused by or arising from your use of the service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

Disclaimer

Watching out for your money
making-cents.ie is designed to help you manage and take control of your money. While we offer plenty of information and ideas on how to do this, the power to act on this information, and the responsibility that comes with it, lies with you. Following that, this disclaimer protects you as much as it does us. So below we set out some key points you should bear in mind when using our site. These incorporate the terms of use of our service and should be read in conjunction with them.
For the purposes of the Data Protection Act 1998, Making-Cents Limited, a company registered in Ireland under company registration number: 515503 and having its registered office at 21 Newtown Mews, Annacotty, Co. Limerick is the data controller in relation to the personal data you disclose at making-cents.ie.

Your money, your decision

The information provided on making-cents.ie is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. We strongly caution you not to solely rely on the information you find here to inform your decisions; rather, use it as a starting point for doing your own independent research.

Exclusion of liabilities

making-cents.ie does not guarantee the accuracy, veracity, or completeness of any information provided on our site, and we will not be responsible for any errors or omissions in articles or postings, or for links embedded in messages. making-cents.ie will not be liable for any loss or damage caused by a reader's reliance on information obtained in our area, or in a hyperlinked area. Nothing in this disclaimer excludes or limits making-cents.ie’s liability for death or personal injury caused by its proven negligence, or excludes or limits our duties or any liability under any applicable law.

Terms of service violations

Please notify us immediately if you have been harassed in any manner or you feel that anything is in violation of the terms and conditions of our service.

Data and analysis

In the material we make available on our site, we rely on a wide variety of sources and other websites. We believe these sources of data to be accurate and reliable, but sometimes they may not be. making-cents.ie makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our site.