This document (the “Terms and Conditions”) sets out the terms and conditions of use of the Republic of Ireland elements of the website. Please read these Terms and Conditions carefully. Together with the Privacy Policy, they govern the relationship between Investec and you in relation to your use of the Republic of Ireland elements of the website. All users who are not based in the Republic of Ireland should refer to the appropriate legal terms and conditions and privacy policy prepared for their home country.

If you have any questions about the Terms and Conditions or do not wish to accept them, please contact Investec at The Harcourt Building, Harcourt Street, Dublin 2. Using or accessing this website indicates your acceptance of these Terms and Conditions.

Please note that references in these Terms and Conditions to this website refer to the Republic of Ireland elements of the website. References to “we” or “us” means Investec.

Investec reserves the right to update both these Terms and Conditions and the Privacy Policy from time to time and without notice to you. Investec accepts no responsibility for keeping the information on this website, whether in these Terms & Conditions or otherwise, up-to-date and accepts no liability if it fails to do so.

We have made this website available to you for your non-commercial use. We may modify, withdraw or deny access to this website at any time.

  • Intellectual Property Rights

    All copyright and other intellectual property rights in any material contained on this website are owned by Investec or members of the Investec group of companies. Any trade marks and logos contained on this website are owned by Investec or members of the Investec group of companies.

    The contents of all pages on this website are the property of Investec unless otherwise expressly stated. Investec reserves all rights fully.

    You may not reproduce any of the contents of this website in any form unless expressly permitted to do so. You may print or download one copy of each page on this website for your own personal non-commercial use, provided that:

    • no materials are modified in any way;
    • no graphics are used separately from accompanying text;
    • our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material; and
    • if you have our permission to provide these materials to another person, you ensure they are made aware of these restrictions.


    You may not alter, add to, further copy or amend any copied information, any printed information or any downloaded information unless expressly permitted to do so.

    You agree not to, unless expressly permitted to do so by Investec, copy, modify, transmit, display, distribute, perform, reproduce, licence, publish, create derivative works from, transfer or sell any information, content or software contained on or forming part of this website, or otherwise use such content of this website for any other commercial use including, but not limited to, resale and redistribution. You will not use this website or any of its facilities and/or services for any illegal or unlawful purpose or for any purpose that is prohibited. On no account shall access to this website or any information contained on this website constitute the transfer of any intellectual property rights to you.

    You will not use this website in any manner which could damage, disable, overburden or impair this website or interfere with any other party’s use or enjoyment of this website.

    You may not attempt to gain unauthorised access to this website or any computer systems and networks connected to this website through hacking, password miming or any other means.
    Some of the information and content on this website comes from third-party suppliers believed by Investec to be reliable. However, the information and content on this website is not guaranteed by these sources, Investec or any other person or entity and may not be complete. You assume complete responsibility for, and for all risk of loss resulting from, the downloading and/or using of, or referring to or relying on, any information or content on this website.

  • Content

    This website is intended to provide general information regarding us, our products and services, and other financial information which may be of interest to you. It is not intended to provide exhaustive treatment of any subject dealt with.

    The information on this website including all research, opinions or other content is not intended to and does not constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action which might affect you personal finances or business you should take appropriate advice from a suitably qualified person.

    The website may include technical, typographical or other inaccuracies and you are urged to contact us to confirm all information contained on this website before placing any reliance on it. 
    Changes are periodically made to the information on this website and these changes will be incorporated in new editions of this website. We reserve the right to alter or amend any criteria or information set out in this website without notice.

    If the website contains statements or information which relate to projections, plans or objectives or future economic performance you should be aware that these projections are only predictions and that actual events or results may differ materially. Past performance of any investment or security is not necessarily an indication of future performance. Value of investments may go up as well as down.

  • No offer

    Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these Terms and Conditions which govern the relationship between us in relation to your use of the website.

    No information or content contained on this website should be taken as an offer by us. All services offered by us are subject to completion (in the manner required) of the requisite application forms and other documentation and are governed by our relevant terms and conditions. We reserve the right to reject at our absolute discretion any application submitted for services contained on this website.

    If you make a contract with a third party who is named or referred to on this website, it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

  • Security of Information

    Your attention is drawn to the fact that information transmitted via the Internet is susceptible to monitoring and interception. You will bear all risk of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. We reserve the right to request independent verification of any information transmitted via e-mail.

    Please be aware that any unsolicited confidential or proprietary information sent to us via the Internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information please contact us and we will advise you of the most appropriate method of transmission.

  • Exclusion of Liability

    Investec has taken care to ensure that all information contained on this website is accurate and up to date. Investec does not however warranty the accuracy of any information contained on this website. You should not rely on the information contained on this website, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website. Our liability to you as explained below remains unaffected by this.

    We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of you use of the website. Use of this website is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the website to the maximum extent permitted by law.

    We do not guarantee that this website will be compatible with all or any hardware and software which you may use. We do not guarantee that this website will be available all the time or at any specific time, that access will be uninterrupted, that there will be no delays, failure, errors or omissions or loss of transmitted information. We reserve the right to withdraw or modify this website at any time.

    Investec makes no representations, warranties or undertakings that this website, or the server that makes it available, will be free from defects, including, but not limited to viruses or other harmful elements. Investec expressly excludes liability for any infection by computer virus, tampering, unauthorised access, intervention, alteration or use, fraud, theft, technical failure, error, omission, interruption, deletion, defect, delay, or any event or occurrence beyond the control of Investec, which corrupts or affects the administration, security, fairness and integrity or proper conduct of any aspect of this website. You have sole responsibility for adequate protection and back up of data and/or equipment.

    To the fullest extent permitted by law, Investec shall not be liable for any loss, damage, claim, costs, expense, interest, penalty or injury arising from any use of, or inability to use, this website, from any unauthorised access to this website, from any alteration of this website, or from reliance on any information in any form obtained from this website.

    These Terms and Conditions do not exclude our liability (if any) to you for:

    • personal injury or death resulting from our negligence;
      fraud; or
    • any matter which it would be illegal for us to exclude or to attempt to exclude our liability.

    Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.

  • Limited Jurisdiction

    We do not make representation that information and materials on this website are appropriate for use in all jurisdictions available on the web, or that transactions, securities, products, instruments or services offered on this website are available or indeed appropriate for sale or use in all jurisdictions, or by all investors or other potential clients. The distribution of information on this website may be restricted by local law or regulation in certain countries. This information is not intended for distribution to, or use by, any person or entity in any country other than the Republic of Ireland and you should inform yourselves about and observe any restrictions which apply in the country in which you are located. Those who access this website do so on their own initiative, and are therefore responsible for compliance with applicable locals laws and regulations. By accessing the website, the entrant has agreed that he/she has reviewed the website in its entirety including any legal or regulatory terms.

    If you are in any doubt as to whether this website can be lawfully used by you, please do not proceed further.

  • Links to other websites and services

    The website may contain links to other websites, which are not under our control. The links to other sites are for your convenience and we do not accept any responsibility or liability for enabling you to link to any other website, for the contents of any other website, for the security of any other website, or for any consequence of your acting upon the contents of such website. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the website.

  • Governing Law and Jurisdiction

    This website complies with the laws of Ireland.

    Use of this website and the information contained on this website is and shall be governed by the laws of Ireland.

    The courts of Ireland shall have jurisdiction over any dispute arising in connection with this website and the information contained on this website.