Grado Financial Services Limited t/a ZINC Mortgages is registered in Registered Office: 5 Upper Baggot Street, Dublin 4. Registered Number 400175. Grado Financial Services Limited t/a ZINC Mortgages is regulated by the Irish Financial Services Regulatory Authority as a Multi-Agency Intermediary and a Mortgage Intermediary.

1. This site is established in Ireland in accordance with the laws of Ireland and is governed by Irish law. By using the site, it is deemed you accept that your use of the site and any information on it, will also be governed by Irish law 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 have exclusive jurisdiction over all such claims or disputes. If you live in a jurisdiction where distribution of information on the site may be restricted by local law or regulation, or if you have any doubts about the foregoing, please do not proceed any further

2. Information about some of the products and services on this site may be subject to specific restrictions concerning the persons to whom such information may be made available. Details of any such restrictions are given on the pages they relate to and please read these carefully before continuing to the rest of the relevant page.

3. The information on the site is given in good faith, taken from industry, trade and other sources believed to be reliable. Although we have made all reasonable efforts to ensure that 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 judgment 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 contact one of our professional financial advisers directly.

4. 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. We neither accept nor assume any responsibility to you in relation to the contents of this Site.

5. The information contained in this site should not be relied upon to enter into any investment or property purchase decision either by placing a deposit or going to auction on the basis of this information.

6. Be aware 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. It is not advised to divulge personal information over the Internet unless you are using a secure or encrypted communications technology.

7. There are some hypertext links on our site to web sites not maintained by us. You are reminded that when you enter other web sites through these hypertext links, you will not be subject to these terms and conditions. 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.

8. There are also some hypertext links to web sites of business units, subsidiaries and associates of Simply Mortgages Ltd. You are reminded that when you enter such sites, you will be subject to the terms and conditions of those particular sites.

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 your own risk. 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 contents of the site, including these terms and conditions, are subject to change by us without prior notification. Information 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 current or liability for any failure to do so.

12. 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.

COPYRIGHT NOTICES

(i) Main copyright notices

Save where otherwise specified, the contents of all the pages contained within this Site are © Grado Financial Services Ltd 2007.

Reproduction of part or all of the contents of the pages in any form is prohibited other than in accordance with the following permissions. You may make an electronically stored, transient copy of these pages of this Site for the exclusive purpose of personal on-line viewing.

(ii) License to copy to paper hard disk or diskette for personal use

You may print or download to disk the contents of the pages of this site for the purpose of private study. However, you may only make one copy thereof.

(iii) General exclusions from licenser

This license to copy does not permit incorporation of the material or any part of it in any other work or publication, whether in hard copy or electronic or any other form. In particular (but without limitation) no part of this site may be distributed or copied for any commercial purpose.

No part of this site may be reproduced on or transmitted to or stored in any other web site or other form of electronic retrieval system.