Access to this website and use of the information on it is subject to the terms and conditions outlined in our legal notice. By proceeding further you will be deemed to have understood and agreed to be bound by these terms and conditions. If this is not acceptable by you, please exit this site now.
Terms and Conditions
Please read these terms and conditions carefully.
This page sets out the terms and conditions under which Acorn Brokerage Limited, trading as Acorn Insurance, provides information on the acorninsurance.ie website as well as the terms and conditions governing your use of this website and any e-mail correspondence between you and Acorn Insurance.
By entering this website, you are deemed to have read and consented to being bound by these terms and conditions by reason of your continued use of this website. We reserve the right to change these terms and conditions or policies regarding the use of this website at any time and to notify you by posting an updated version of the terms and conditions on this website. Your continued use of the website following the posting of changes to the terms and conditions will mean that you accept those changes.
The website is directed at residents of Ireland (excluding Northern Ireland) and our products and services are only for use by persons resident in Ireland (excluding Northern Ireland). No representations are made as to whether the information is appropriate for any other country. The distribution of information on this website may be restricted by local laws or regulations 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 website can be lawfully used by you, please do not proceed further.
Whilst Acorn Insurance endeavours to ensure that this website is available 24 hours a day, Acorn Insurance will not be liable if, for any reason, any part of the website is unavailable at any time or for any period. Access to the website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, or for reasons beyond Acorn Insurance 's control. The website is provided on an "as is" and "as available" basis.
Downloading information from the Website
If you download information from this website and use that information otherwise than in accordance with any restrictions of use notified to you, you hereby agree to indemnify Acorn Insurance against any loss or damage incurred by Acorn Insurance (including, without limitation, any legal fees) arising directly or indirectly from your non-authorised use of any such information.
Accuracy of Information
This website contains information. Although Acorn Insurance has made all reasonable efforts to ensure the information on the website is accurate at the time of inclusion, neither Acorn Insurance nor any contributors to the website represent that this is the case and it should not be relied upon as such. Acorn Insurance and contributors to the website exclude all express or implied conditions, warranties and other terms, including without limitation, any relating to the accuracy, correctness, completeness, timeliness, reliability or otherwise of the website. If you discover an error on the website, please let us know by sending an email to email@example.com.
The information on the website may be changed or updated without notice. Acorn Insurance may also make improvements and/or changes in the products and/or services described on the website at any time without notice. Any opinions or estimates reflect Acorn Insurance 's view at the time given and are also subject to change without any notice.
All intellectual property rights in the website (including but not limited to all copyrights in text and graphic images and trade marks) are owned by or licensed to Acorn Insurance.
You may cite or refer to the information on the website and make copies of the information for your own personal use provided that all copyright and other proprietary notices are retained. When you cite or refer to that information, you do not obtain any ownership rights in that information. You may not:
(a) distribute the text or graphics for any purposes to others without the express written permission of Acorn Insurance;
(b) duplicate, reproduce or adapt in any form or media this information on any other website without the express written permission of Acorn Insurance;
(c) modify, adapt or revise the text, graphic designs or images on this website.
To request the permission referred to in (a) and (b) above, please email us at firstname.lastname@example.org. Please include your name, address and telephone number, and a description of the proposed extent, purpose and distribution of your copying.
Some pages on this website may provide hypertext links to other sites not maintained by Acorn Insurance.
Links to other sites are provided as a free service and when you enter these sites, you will not be subject to these terms and conditions. Because those other sites are not under our control, we cannot guarantee the quality, accuracy or performance of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold or advertised on those sites. Questions about the content of those sites should be directed to their authors. Please note that under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any of those other sites.
If you would like to provide a hypertext link from your site to the Acorn Insurance website, please request our permission before doing so. To request such permission, please email us at email@example.com. Please include your name, address and telephone number, a description of your site and the reason why you would like to establish a link to this website.
If you do include a hypertext link from your site to the website, you hereby agree to indemnify Acorn Insurance against any loss or damage incurred by Acorn Insurance (including, without limitation, any legal fees) arising directly or indirectly as a result of including such hypertext link on your site. In addition, we reserve the right to rescind any permission granted by us, whether express or implied, and to require termination of any such link to the website, at our discretion at any time.
Marketing: Your Conduct
You may not misuse the website (including, without limitation, by hacking). You are prohibited from posting or transmitting to or from the website any information:
(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience of any kind or nature; or
(b) for which you have not obtained all licences and/or approvals that may in the circumstances be necessary; or
(c) which constitutes or encourages conduct that would be considered a criminal offence, gives rise to civil liability, or is otherwise contrary to the law of, or infringes the rights of any third party which are enforceable in Ireland or any other country in the world; or
(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious or deleterious software or harmful data).
Acorn Insurance will fully cooperate in accordance with Irish law with any law enforcement authorities or court order requesting or directing Acorn Insurance to disclose the identity or locate anyone posting any information in breach of (a) to (d) above.
Products and Services
Please note that the information contained in the website should not be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products and services Acorn Insurance generally offers. Insurance coverage statements on the website are for general description purposes only. The website does not amend, modify or supplement the policies. Furthermore, not all insurance coverages are available to every customer. Consult the actual policy, if applicable, or email us at firstname.lastname@example.org and we will provide you with a contact person who can supply you with details regarding terms, conditions, coverages, exclusions, products, and services.
Acorn Insurance, its holding company and any company in the Acorn Life Group from time to time, any other party (whether or not involved in creating, producing, maintaining or delivering the website) and any officers, directors, employees, shareholders or agents of Acorn Insurance its holding company and any Acorn Life Group companies exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive, special exemplary or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption and whether in tort, (including without limitation, negligence) contract or otherwise) in connection with the website in any way or in connection with the use, inability to use, or the results of use of the website, any sites linked to the website, or the information on such sites, including but not limited to loss or damage due to viruses that may affect your computer equipment, software, data or other property.
The information provided on the website is distributed with the understanding that Acorn Insurance is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of a qualified professional in the relevant field.
Enforceability of These Provisions
Should any of these terms and conditions be held invalid, that invalid provision shall be construed to be consistent with the applicable law, and in a manner so as to remain consistent with the original intent. Provisions not otherwise held invalid shall remain in force.
Please refer to our Data Protection Policy and Privacy Statement for terms and conditions relating to Data Protection. By using this website you consent to the processing of personal information, described in these terms and conditions.
If you provide us with contact information relating to third parties, you will, through your direct contact with the data subjects, take all steps necessary to legitimise your processing of their personal information as described in these terms and conditions (including by obtaining consent of the data subject to processing, to provide information to the data subjects to ensure fair processing of their information (including information as to our name and address, your disclosure of information to us for the purposes as described above, our possible further disclosure of information as necessary for the purposes described above, and the data subject's rights of access and correction as described above) and otherwise to ensure the fairness and lawfulness of all processing of information relating to the data subject. By providing Acorn Insurance with any information originating from a third party data subject, you confirm that you have taken and completed these steps.
"Acorn Insurance " is a trading name of Acorn Brokerage Limited.
Acorn Insurance is registered in Ireland; the company number is 513124; registered office is at NZI Plaza, St. Augustine Street, Galway, Ireland.
Acorn Brokerage Limited, trading as Acorn Insurance, is regulated by the Central Bank of Ireland.
We will be entitled to immediately terminate your use of the website if we consider that you have failed to comply with any of these terms and conditions.
Our failure to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed by us in writing. You are not entitled to assign all or any of your rights or obligations under these terms and conditions. The section titles in these terms and conditions are solely used for yours and our convenience and have no legal or contractual significance.
Governing Law and Jurisdiction
These terms and conditions and any dispute, action, suit, controversy, proceeding or claim of whatever nature arising out of or in any way relating to these terms and conditions ("Proceedings") shall be governed by and construed in all respects in accordance with the laws of Ireland. It is irrevocably agreed that the Irish Courts are to have jurisdiction to settle any Proceedings which may arise out of or in connection with these terms and conditions or their performance and, accordingly, that any Proceedings so arising may be brought in such Courts. This clause is for the exclusive benefit of Acorn Insurance and nothing in this clause will limit that party or the parties' right(s) to take any Proceedings against you in any other Court(s) of competent jurisdiction.
As an Insurance Broker we work with various insurers who use automated decision-making, using information including customer details and claims experience, in the underwriting of your insurance policy. Underwriting is the process by which an Insurance company examines, accepts or rejects risks and classifies those selected in order to charge an appropriate premium. Insurers use algorithms which uses complex mathematical and actuarial methods of calculating and pooling risk, for insurance underwriting purposes. An example on how this affects a motor insurance premium would be the more penalty points on an individual’s driving license the high the premium quoted. Where an insurer uses automated decision-making, you are entitled to human intervention to express your interests and contest automated decisions.