Terms and Conditions


The following definitions apply in these Website Terms and Conditions (the “Terms and Conditions”):“Business Day” means a day other than a Saturday or Sunday on which banks are generally open for business in Dublin;“Data Privacy Notice” means the Data Privacy Notice available here;“We”, “us”, “our” and “Pepper” means Pepper Finance Corporation (Ireland) DAC;“Website” means the website, www.peppermoney.ie;“you/User” means the person using the Website from time to time.


1. Terms and Conditions

Your use of the Website, which includes visiting and/or casual browsing, is subject to these Terms and Conditions. By accessing or using any part of the Website, you are deemed to have accepted these Terms and Conditions in full.


2. Information about Us

Pepper Finance Corporation (Ireland) DAC is registered in Ireland under company number 34927, and its registered office is at 4th Floor, Two Park Place, Upper Hatch Street, Dublin 2, Ireland. Our main business address is at 4th Floor, Two Park Place, Upper Hatch Street, Dublin 2, Ireland. Pepper Finance Corporation (Ireland DAC) trading as Pepper Money and Pepper Asset Servicing, is regulated by the Central Bank of Ireland.


3. Services


We may, at our discretion, provide you with services through the Website, information services and customer support. You agree to comply with the terms and conditions on which any such services will be provided to you as set out in these Terms and Conditions or elsewhere on the Website.


We reserve the absolute right to terminate, withdraw, restrict, vary, extend or re-introduce any or all of the services and update, alter, suspend or discontinue any aspect of the Website, including your access to it, without notice at any time and for any reason and without liability. We assume no obligation to keep the information on the Website up to date and we accept no liability for any failure to do so.


4. Use of the Website


We own or are licensed to use all intellectual property rights, including all copyrights, patents, trademarks, trade secrets and design rights whether registered or unregistered which subsist in the Website, its contents and its underlying software. You may make an electronically stored transient copy of the Website or extracts or portions thereof for the purposes of viewing them online only but otherwise, unless expressly authorised by us to do so, you may not change, copy, store, publish, rent, license, sell, resell, re-transmit, distribute, including distribution by caching, linking, framing or similar means, or otherwise deal in any way in or with any of the Website, its contents or its underlying software.


You must not misuse the Website by knowingly or recklessly introducing viruses, malware, trojans, worms, logic bombs or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack.


5. Information contained on the Website


We do not make or give any representation, warranty or undertaking as to the lawfulness, accuracy, reliability, timeliness or completeness of the contents of the Website. Commentary and other materials posted on the Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to, or user of, the Website, or by anyone who may be informed of any of its contents.


6. Data Privacy Notice

The Data Privacy Notice on the Website forms part of these Terms and Conditions.


7. Hypertext Links


We may provide hypertext links to websites on the internet which are operated by other parties. Using a hypertext link means that you may be leaving the Website and we take no responsibility in respect of any other websites.


You may link to our Website home page provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you. The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page. We reserve the right to withdraw linking permission without notice.


8. Indemnity

You agree to indemnify us and hold us harmless from and against any claims, actions or demands, including any legal fees incurred, resulting from your misuse of the Website or its services or your breach of these Terms and Conditions.


9. Limitation of Liability


Subject to your rights under applicable laws and regulations, we will not be liable for any claim, loss and/or damage of any nature resulting from: (a) your use or inability to use the Website or its services; (b) unauthorised access to or alteration of your transmission of data; (c) your use of any other website or any third party services; or (d) any arrangement or agreement agreed with, or statement or conduct of, any third party.


You agree that:


Your use of the Website and its services is at your sole risk. The Website and its services are provided on an “as is” and “as available” basis. Subject to your rights under applicable laws and regulations, we expressly exclude all warranties of any kind, including but not limited to warranties of title, fitness for a particular purpose, satisfactory quality and non-infringement of proprietary or third party rights;


We make no warranty that (i) the Website and its services and/or any information will meet your requirements, (ii) your access to and use of the services will be error-free, or (iii) any errors or inaccuracies will be corrected; and


No advice or information, whether oral or written, obtained by you through or from the Website or through or from its services will create any warranty not expressly stated in these Terms and Conditions.


10. General


These Terms and Conditions and/or the Data Privacy Notice may be changed by us from time to time at our discretion. We will endeavour to give reasonable notice to you on the Website of any change that may affect you, but you are responsible to inform yourself of any such change by reviewing these Terms and Conditions before using the Website or availing of any service through it or from it.


These Terms and Conditions shall be governed by the laws of Ireland. The courts of Ireland shall have exclusive jurisdiction over any claim or dispute arising in relation to, out of or in connection with these Terms and Conditions.