This website is the property of Irish Permanent International. Irish Permanent International is a registered business name of Irish Permanent (IOM) Limited a company incorporated within the Isle of Man whose registered office is situate at 12-14 Ridgeway Street, Douglas Isle of Man and is licensed by the Isle of Man Financial Supervision Commission to take deposits. Copies of our most recent audited accounts are available for inspection on request.

This website is established in the Isle of Man in accordance with the laws of the Isle of Man and will be governed by the laws of that jurisdiction. When you use this site, you accept that your use of this site and any information on this site, will also be governed by the laws of the Isle of Man and if any dispute arises from your use of this site or any of the information on it, you agree to allow such dispute to be heard in the Isle of Man courts. Additionally, your use of the site may be subject to applicable laws in the country in which you are resident, or domiciled, or from which you have access to this site.

You acknowledge and agree that all intellectual property rights (including, without limitation copyright, patents, database rights, trade marks, service marks, designs, know-how, trade secrets and other proprietary rights) which subsist in this website and/or the information contained in it or supplied in conjunction with it are, and will remain, our property (or the property of our licensors) and your right to use it is limited to use for your own internal business purposes.

You may view, print, download or store temporarily extracts from this website for your own personal reference or for the purpose of applying to access or use the products and services featured on this website. No other use (including, without limitation, the alteration, deletion, utilisation or extraction) of the content and materials featured on this website is permitted without our written permission. Otherwise than as provided, this website cannot, whether in whole or as to any part, be copied, reproduced, distributed or transmitted in any medium (including, without limitation, by the internet) without our written permission.

The distribution of information on this 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.

We have provided the contents of this site for your information only. Nothing contained in this site should be construed as an offer or invitation to make deposits or otherwise utilise the services of Irish Permanent International it subsidiaries or associated companies.

All reasonable efforts have been made to ensure that the information contained in this site is accurate when it is placed on this site and to keep it regularly updated. However, we do not represent that the information is complete or accurate and it should not be relied on as such. By your use of this site, you accept that the contents of this site may change without notice and may not be accurate or complete and you agree that you will not hold Irish Permanent responsible for any inaccuracies or omissions from this site. Further Irish Permanent International recommends that you seek independent professional and financial advice before use of any of the products or services advertised on this site. 

Whilst we have taken all reasonable precautions to prevent viruses being transmitted, Irish Permanent International accepts no liability for any problems, loss or damage which arises from use of this site. 

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. 

Within this site we may provide links to sites of relevant third parties. Irish Permanent International provides these links as a convenient way of accessing information that may prove helpful. However, no responsibility can be taken for the security and integrity of third party sites. 

We may record or monitor telephone calls between you and us so that we can check instructions and make sure that we are meeting our service standards.

The terms upon which we provide our services are contained in the relevant page of this site, to which you should refer for further details. 

Interest on Irish Permanent International accounts is paid gross without the deduction of income tax. It is the depositor's responsibility to declare all interest earned to the appropriate tax authority. However, please note, for depositors who are resident in the EU and subject to the EU Savings Tax Directive, a retention tax will be deducted from any interest paid, unless the depositor chooses to elect for the "Exchange of Information" option or is exempt.

Deposits made with Irish Permanent International are covered by the Isle of Man's Depositors Compensation Scheme contained in the Compensation of Depositors Regulations 2008. Please note that the scheme does not cover deposit accounts with an original term to maturity of more than 5 years. 

Complaints that are unable to be settled by Irish Permanent International may be referred to the Financial Services Ombudsman Scheme in the Isle of Man.

Irish Permanent International is not authorised by the Financial Services Authority within the U.K and accordingly you are not covered by the Financial Services Compensation Scheme under the UK Financial Services and Markets Act 2000 when making a deposit with Irish Permanent International.

Meaning of "guaranteed" in relation to guaranteed products. The use of the word "guaranteed" in the name of any issue advertised anywhere in this site refers only to the ordinary contractual obligation of Irish Permanent International to repay your capital and the minimum return in full. In fact, this applies similarly to all deposit account products offered by Irish Permanent International. This product is not guaranteed by any other party and your rights to repayment upon liquidation of Irish Permanent International are the same as for any other unsecured depositor of Irish Permanent International. 

Please note that on the death of a sole account holder, in addition to obtaining either a grant of probate or letters of administration in the country of domicile, it may also be necessary to obtain a grant of probate or letters of administration in the Isle of Man.