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. Please note that references to “we” mean Health Services Staffs Credit Union Limited and our associates.

Health Services Staffs Credit Union Limited is regulated by the Central Bank of Ireland.

1.  This Site is established in Ireland in accordance with the laws of Ireland and will be governed by the laws of that country. When you use the Site, you accept that your use of the Site and any information on the Site, will also be governed by the laws of Ireland and if any claim or dispute arises from your use of the Site or any of the information on it, you agree that the Irish courts will have exclusive jurisdiction over all such claims or disputes.
2. 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.
3. Information about some of the products and services on this Site is subject to specific restrictions concerning the persons to whom such information may be made available. Details of such restrictions are set out on the pages to which they relate and you should read those details carefully before proceeding to the rest of the relevant page.
4. Information about some of the products and services on this Site are subject to additional Legal Notices and Warnings. These notices and warnings are important and are for the protection of both you and us. Please take the time to carefully read all Legal Notices and Warnings on the pages of this Site that you visit.
5. We have given the information on the Site in good faith. We have taken the information from sources believed to be reliable. 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 the date given 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.
6. The information provided on the website does not constitute any form of advice, recommendation or arrangement by the Credit Union and should not be relied upon by you in connection with any financial or other decision. You should not rely on any information contained on the website in relation to a specific issue or decision without taking independent financial, legal or other advice from an appropriately qualified professional adviser.
7. Please note that the sending of personal information via e-mail 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.
8. Some pages on this Site contain hypertext links to web sites not maintained by us. You are reminded that when you enter other web sites 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 web sites and you use such links entirely at your own risk.
9. No third party is permitted to link any other web site to this Site without obtaining our prior written consent.
10. 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. In no event 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.
11. The information contained in this Site is for information purposes only. Whilst every care has been taken in their preparation we do not make any warranties or representations as to their completeness, accuracy or reliability of the contents of this Site. You should view the information as indicative only and subject to confirmation by us. We neither accept nor assume any responsibility to you in relation to the contents of this Site.
12. 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.
13. 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.
14. Email Policy; Please remember Health Services Staffs Credit Union NEVER asks members to enter their Pin or pass phrase or any other personal web access log-in details or user access codes through email. If you receive an email requesting this information please ignore the email and contact Health Services Staffs Credit Union Ltd.

Online lending terms and conditions;

These terms and conditions apply to all personal term loans. Other specific terms and conditions may apply to this credit agreement between Health Services Staffs Credit Union Limited (‘we’/’us’) and the borrower or accountholder (‘you’).

1. Repayments

The account holder must agree to repay the loan and the interest at regular intervals over a specified term. Unless otherwise agreed, term Loans are subject to regular repayments (weekly, fortnightly and monthly) by way of equal instalments with the aim of repaying the loan principal and interest over the term of borrowing. The amount of the agreed repayment is established at loan application stage, in light of the term, frequency of instalments and interest rate prevailing at the time the Term Loan is granted.

2. Interest

The interest rate is determined by the Credit Union’s Board of Directors and if we change our interest rate we will publish the new rate by way of a notice in the Credit Union offices, Credit Union Newsletter, Credit Union Statement and Credit Union Website. Interest is calculated on the Term Loan Account on a daily basis on the balance outstanding at the end of the day.

3. Default

If a borrower fails to pay a loan instalment or fails to perform or observe any of the terms and conditions of the Loan agreement or if any information provided by the Accountholder is incorrect, incomplete, inaccurate or untrue, the Credit Union may serve the borrower with a notice of default and “call in” the loan.If an Accountholder continues to default on Loan instalments, without the permission of the Credit Union, the Accountholder may be subject to Legal Action by the Credit Union to recover the debt due, including interest.

4. Other terms and conditions

The Credit Union reserves the right to vary the lending terms & conditions if there is any relevant material change in the prevailing legal, tax or regulatory conditions or to enhance the security of the services provided by the Credit Union.

The Credit Union reserves the right at all times to introduce new conditions or to vary or amend existing conditions by giving at least one month’s notice thereof to the Accountholder, by whatever means deemed appropriate by the Credit Union which could include a notice display in the Credit Union Offices.

All borrowers will receive a loan agreement from Health Services Staffs Credit Union at the time of the loan application. The loan agreement will provide the borrower with detailed information on all the Credit Union’s lending terms and conditions. For a full copy or for more information please write to Health Services Staffs Credit Union,5 High Street , Dublin 8.