Terms & Conditions

Welcome to IOMST Ltd

These terms and conditions outline the rules and regulations for the use of IOMST Ltd’s Website.
IOMST Ltd is located at:
Bushfield House, Bushfield Square,
Philipsburgh Avenue, Fairview Dublin 3, Ireland
Registered in Ireland No 549979

 

By accessing this website, you accept these terms and conditions in full. Do not continue to use IOMST Ltd’s website if you do not accept all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of Ireland. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring too same.

Cookies

We employ the use of cookies. By using IOMST Ltd’s website you consent to the use of cookies in accordance with IOMST Ltd’s privacy policy.
Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

Services Provided

We provide membership of IOMST which includes liability insurance placed with AIG by Richardson Insurance Solutions Limited. Richardson Insurance Solutions Limited is regulated by the Central Bank of Ireland.

Membership

All membership through our website will be subject to our acceptance.
When you submit an order to us on our website, you will receive a ‘bounce back’ email of this order saying that “Your order has been received and is now being processed. You will then receive a second email from us acknowledging your membership and giving you confirmation of cover. You should check both emails for accuracy and let us know immediately if there are any errors. Your order will be accepted by us and your documents will be despatch to you by post.
Please note: You are responsible for all purchases made on your account and are personally liable for the full outstanding balance.
Please note: Payment is minimum and deposit.
How do we protect your information?
All payments are through relax payment services

Cancellation

You, the customer can cancel your policy by notice in writing at any time. It may be that a rebate of premium is due to you, but this is not always the case. For example, the policy may be subject to a Minimum and Deposit premium or Short Period rates may apply during the first period of insurance or if a claim is notified or in other circumstances as advised to you.
Product Producers (Insurers) normally reserve the right to cancel a policy at any time by sending written notification to your last known address. For full details you should refer to the policy document.
In the event of cancellation of a policy, we will, on request, send you any documentation or provide you with any information to which you have an entitlement. Disclosure of Information It is your responsibility to provide complete and accurate information for Product Producers (Insurers) when arranging an insurance policy and/or where a Statement of Fact is prepared or completed on your behalf. Failure to disclose any material information to the Product Producer (Insurer) could invalidate your policy cover or a claim may not be paid.

Failure to pay

We reserve the right to instigate cancellation proceedings in the event of the following:
your non-payment of the premium due at inception, renewal or following a mid-term adjustment
your bank returns your cheque due to insufficient funds or any other reason (please note that any bank charges incurred will be passed on to you)
non-disclosure of relevant information.
If this happens, your policy(ies) will be cancelled and you will not have insurance cover
Your insurer may cancel your policy in certain circumstances. These conditions are clearly outlined on all policy documents. Please read your policy document carefully. When your policy ends or is cancelled, we will send you any documentation and information that you are entitled to on request. We reserve the right to take legal action to recover any monies due to us.

Duty of disclosure

It is your responsibility to provide complete and accurate information for insurers when arranging an insurance policy, throughout the life of that policy, and when you are renewing it. It is important that you ensure that all information provided and all statements made on proposal forms, claim forms, and other documents are, to your knowledge and belief, complete and accurate. Failure to disclose any material information to your insurers could invalidate your insurance cover and could mean that all or part of a claim will not be paid.

Disclosure of Information
It is your responsibility to provide complete and accurate information for Product Producers (Insurers) when arranging an insurance policy and/or where a Statement of Fact is prepared or completed on your behalf. Failure to disclose any material information to the Product Producer (Insurer) could invalidate your policy cover or a claim may not be paid.

License
Unless otherwise stated, IOMST Ltd and/or it’s licensors own the intellectual property rights for all material on IOMST Ltd All intellectual property rights are reserved. You may view and/or print pages from http://iomst.ie for your own personal use subject to restrictions set in these terms and conditions.

You must not:
Republish material from http://iomst.ie
Sell, rent or sub-license material from http://iomst.ie
Reproduce, duplicate or copy material from http://iomst.ie
Redistribute content from IOMST Ltd (unless content is specifically made for redistribution).

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:
limit or exclude our or your liability for death or personal injury resulting from negligence;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

 

Privacy

Introduction

We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.

By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

Collecting personal information

We may collect, store and use the following kinds of personal information:

  • information about your computer and about your visits to and use of this website including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths.
  • information that you provide to us when registering with our website including your email address.
  • information that you provide when completing your profile on our website including your name, profile pictures, gender, date of birth, relationship status, interests and hobbies, educational details and employment details.
  • information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters your name and email address.
  • information that you provide to us when using the services on our website, or that is generated in the course of the use of those services including the timing, frequency and pattern of service use.
  • information relating to any purchases you make of our products OR services or any other transactions that you enter into through our website including your name, address, telephone number, email address and card details.
  • information that you post to our website for publication on the internet including your user name, your profile pictures and the content of your posts.
  • information contained in or relating to any communication that you send to us or send through our website including the communication content and metadata associated with the communication; and
  • any other personal information that you choose to send to us

Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this policy.

 

Using personal information

Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

We may use your personal information to:

  • administer our website and business;
  • personalise our website for you;
  • enable your use of the services available on our website;
  • send you goods purchased through our website;
  • supply to you services purchased through our website;
  • send statements, invoices and payment reminders to you, and collect payments from you;
  • send you non-marketing commercial communications;
  • send you email notifications that you have specifically requested;
  • send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);
  • send you marketing communications relating to our business which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);
  • provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);
  • deal with enquiries and complaints made by or about you relating to our website;
  • keep our website secure and prevent fraud; and
  • verify compliance with the terms and conditions governing the use of our website.

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.

We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party’s direct marketing.

All our website financial transactions are handled through our payment services provider, realex payments. You can review the provider’s privacy policy at www.globalpaymentsinc.com/en-ie/accept-payments/ecommerce/privacy. We will share information with our payment services provider only to the extent necessary for the purposes of processing payments you make via our website, refunding such payments and dealing with complaints and queries relating to such payments and refunds.

 

Disclosing personal information

We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information: to the extent that we are required to do so by law;  in connection with any ongoing or prospective legal proceedings; in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);  to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this policy, we will not provide your personal information to third parties.

 

Retaining personal information

This Section 5 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.

 

Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

 

Notwithstanding the other provisions of this Section 7, we will retain documents (including electronic documents) containing personal data:

  • to the extent that we are required to do so by law;
  • if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
  • in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

 

Security of personal information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

All electronic financial transactions entered into through our website will be protected by encryption technology.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

 

Amendments

We may update this policy from time to time by publishing a new version on our website.

You should check this page occasionally to ensure you are happy with any changes to this policy.

We may notify you of changes to this policy by email or post.

 

Your rights

You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

  • the payment of a fee (currently fixed at EUR 6.35); and
  • the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

 

We may withhold personal information that you request to the extent permitted by law.

You may instruct us at any time not to process your personal information for marketing purposes.

In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

 

Third party websites

Our website includes hyperlinks to, and details of, third party websites.

We have no control over, and are not responsible for, the privacy policies and practices of third parties.

 

Updating information

Please let us know if the personal information that we hold about you needs to be corrected or updated.

 

Cookies

Our website uses cookies.

 

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

 

Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

 

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

 

We use both session and persistent cookies on our website.

 

The names of the cookies that we use on our website, and the purposes for which they are used, are set out below:

  • we use woocommerce_cart_hash, woocommerce_items_in_cart, wp-settings-1, wp-settings-time-1 and wp_woocommerce_session_ to recognise a computer when a user visits our website OR track users as they navigate the website OR enable the use of a shopping cart on the website OR improve the website’s usability OR administer the website OR prevent fraud and improve the security of the website OR personalise the website for each user OR target advertisements which may be of particular interest to specific users OR validate authenticated users sessions OR facilitate the use of our website search engine.
  • 11.7     Most browsers allow you to refuse to accept cookies; for example:
  • in Internet Explorer (version 11) you can block cookies using the cookie handling override settings available by clicking “Tools”, “Internet Options”, “Privacy” and then “Advanced”;
  • in Firefox (version 47) you can block all cookies by clicking “Tools”, “Options”, “Privacy”, selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”; and
  • in Chrome (version 52), you can block all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Content settings”, and then selecting “Block sites from setting any data” under the “Cookies” heading.

 

Blocking all cookies will have a negative impact upon the usability of many websites.

 

If you block cookies, you may not be able to use all the features on our website.

 

You can delete cookies already stored on your computer; for example:

  • in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);
  • in Firefox (version 47), you can delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history” from the drop-down menu, clicking “Show Cookies”, and then clicking “Remove All Cookies”; and
  • in Chrome (version 52), you can delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Clear browsing data”, and then selecting “Cookies and other site and plug-in data” before clicking “Clear browsing data”.

 

Deleting cookies will have a negative impact on the usability of many websites..

 

Our details

This website is owned and operated by IOMST Ltd.

We are registered in the Republic of Ireland under registration number 549979 and our registered office is at Bushfield House, Bushfield Square, Philipsburgh Avenue, Fairview, Dublin 3.

Our principal place of business is at Bushfield House, Bushfield Square, Philipsburgh Avenue, Fairview, Dublin 3

You can contact us:

  • by post, using the postal address given above;
  • using our website contact form;
  • by telephone, on 01 8360945; or 01 8360952
  • by email, at info@iomst.ie