The Amárach Research website (the "Site") and the services offered on and through the Site are offered to you ("You"/"Your") by Amárach Research ("We"/"Us"/"Our").

Please read these Terms and Conditions of Use before using or registering on the Site. You may not use the Site or its contents for any purpose that is unlawful or otherwise prohibited by these Terms and Conditions of Use.

These Terms and Conditions of Use were last updated on 14 May 2009.

1. Acceptance of Terms and Conditions of Use

1.1 By accessing any part of the Site, You shall be deemed to have accepted these Terms and Conditions of Use in full. If You do not accept these Terms and Conditions of Use in full, You must leave the Site immediately.

1.2 We reserve the right to change or update these Terms and Conditions of Use from time to time without prior notice. Revised Terms and Conditions of Use will be published on this Site and any significant changes that affect your rights will be notified to you by email where you are a registered user of the Site.

1.3 Additional terms and conditions apply where you register as a user of the Site in order access Our value-added content ("Registered User" or "Member") and You will be asked to review and accept these additional terms and conditions when You so register.

2. Copyright and Other Intellectual Property Rights

2.1 Your use of the Site grants no rights to You in relation to copyright, trade marks or other of Our intellectual property rights or the intellectual property rights of third parties.

2.2 You may not, without limitation, copy, reproduce, republish, download, post, broadcast, record, transmit, commercially exploit, communicate to the public, or otherwise use the content included in or provided via the Site except for Your own personal, non-commercial use or where We expressly give You a right to do so on a case-by-case basis. Subject to the above, You may download insubstantial excerpts of this content to Your hard disk for the purpose of viewing it provided that no more than one copy of any information is made.

3. Information on the Site

3.1 We are constantly seeking to improve the site and its content and we may therefore change any aspect of the Site, its content or services, including the availability of any suppliers, features, information, database or content.

4. Limitation of Liability

4.1 Whilst We will use all reasonable endeavours to correct any errors or omissions as soon as practicable once they have been brought to Our attention, We do not warrant that the Site will be available uninterrupted and in a fully operating condition nor that the information on and provided via the Site will be free from errors or omissions.

4.2 Access to this Site and its contents may be suspended temporarily and without notice in the case of system failure, necessary maintenance or repair or for reasons beyond Our control.

4.3 Save that nothing in this paragraph 4 shall restrict Your statutory rights (including your rights to receive a reasonable standard of service) all content and services on this Site are provided on an 'as is' and 'as available' basis. We do not make any representation or give any warranty in respect of the Site or its content, including, without limitation, any advice including health or other advice and information given (on a personal or general basis) and statements made by advertisers on the Site. Please note that any opinions, views or advice expressed by guests, contributors, advisers or visitors to the Site or other Registered Users (as the case may be) do not necessarily represent Our own. Any decisions or action taken by You on the basis of information provided on or via the Site is at Your sole discretion and risk and you should obtain individual professional advice where necessary.

4.4 We do not give any warranty as to the accuracy, suitability, reliability, completeness, performance, satisfactory quality, fitness for a particular purpose, or freedom from viruses, or other harmful programs of the content contained in or accessed through this Site.

4.5 From time to time, this Site includes hyperlinks to websites operated by third parties (including in relation to the sale of goods and services offered via the Site). Such hyperlinks are provided for Your reference and convenience only. We do not control such websites and are not responsible for their contents.

Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators. In particular, You acknowledge that We will not be party to any transaction or contract with a third party that You may enter into and that We shall have no liability to You in respect of any such transaction, whether arising in contract, tort, under statute or otherwise.

4.6 We will not be liable for any damages, including indirect or consequential losses and whether in contract, tort (including negligence) or otherwise, arising in connection with a breach of these Terms and Conditions of Use by You or another Registered User or visitor to the Site or that is not directly attributable to Our negligence. Where We are liable for direct loss this will be limited to a maximum of the total price of the products or services acquired or provided via the Site in respect of which a claim is made or the sum of €1,000 whichever is the lesser.

4.7 Nothing in these Terms and Conditions of Use shall exclude or limit Our liability for fraudulent misrepresentation or death or personal injury caused by Our negligence.

5. Denial of Access

5.1 We reserve the right to suspend, restrict or terminate Your access to the Site at any time without notice for any reason.

6. Competitions, Offers and Prize Draws

6.1 Each competition, offer or other promotional features available through this Site may have specific terms and conditions. You will need to read and accept these before making a submission.

7. Data Processing and Privacy

7.1 For details on Our data processing activities and Your rights in relation to same, please see Our Privacy Policy.

8. General

8.1 We shall not be liable for any failure for any suspension, or termination of access to the Site or any content arising out of a force majeure event. A force majeure event shall include, without limitation, failure of infrastructure, government intervention, wars, civil commotion, hijacking, fire, flood, accident, storm, strikes, lockouts, terrorist attacks, or industrial action affecting Us or Our suppliers.

8.2 If any of these Terms and Conditions of Use are determined to be illegal, invalid or otherwise unenforceable by reason of law then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.

8.3 These terms shall be governed by and interpreted in accordance with the laws of Ireland. Disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Ireland.

8.4 Our VAT number is: 4886952N

8.5 If you have any questions or complaints regarding the service, then you can contact us by e-mailing info@amarach.com

Our Insights

Has Consumer Spending Peaked?

17 Jun 2017

Our latest Economic Recovery Index report is out, and there is clear evidence of a plateau in sentiment. Check out ...

Banking on Apple (and Google and Amazon)

17 Jun 2017

The world of banking will be disrupted in the coming years. As often in the case of disruption, it is new entrants from outside the industry who pose the greatest 'threat' to incumbents....

Creating Tomorrow, Today