Terms Of Use

1. Acceptance of these Terms

This website is owned and operated by Initiative Financial Services Limited, trading as Initiative Ireland and Initiative Financial, a company registered in the Republic of Ireland under company number 563769 ("Initiative Ireland", "Initiative Financial", "we", "us" or "our").

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you should not use this website.

By submitting information to us through this website, including through the Contact Us page or the Discuss a Mandate page, you confirm that you have read and accepted both these Terms of Use and our Privacy Policy.

2. Purpose of this Website

This website is provided for general information purposes only in relation to our business, services and areas of activity. The content of this website does not constitute legal, financial, investment, tax, regulatory or other professional advice, and should not be relied upon as such.

Nothing on this website constitutes an offer, invitation, recommendation or commitment by Initiative Ireland or Initiative Financial to provide services, accept a mandate, arrange funding, introduce investors, introduce lenders, or enter into any contractual relationship.

3. No Mandate, No Contract and No Obligation to Proceed

A submission made through the Contact Us page, the Discuss a Mandate page, or any other form or communication channel on this website is a request for consideration only.

Submission of information to us does not mean that we have accepted a mandate, agreed to provide services, agreed to review a proposal, agreed to seek funding, agreed to introduce any lender, investor or funding partner, or assumed any obligation to take any further action.

No contractual, advisory, fiduciary, broker, agency or other legal relationship shall arise solely as a result of your use of this website or the submission of information through it.

We reserve the right, at our absolute discretion, to decline to respond to any enquiry or submission, to request further information, or to decide not to proceed further for any reason or no stated reason, subject always to applicable law.

4. Accuracy of Information Submitted

If you submit information to us through this website, you are responsible for ensuring that the information provided is true, accurate, complete, not misleading, and not submitted for any improper purpose.

You must not knowingly provide false, misleading, deceptive, incomplete or inaccurate information, whether about yourself, your business, your authority, your project, your financial position, the intended use of funds, the status of assets, liabilities, permissions, ownership, counterparties, or any other relevant matter.

You acknowledge and agree that Initiative Ireland, Initiative Financial, and third parties with whom information may lawfully be shared in connection with a potential mandate, funding discussion, diligence process or business assessment may rely on information provided by you.

To the fullest extent permitted by law, you accept responsibility for any loss, cost, claim, liability, damage or expense arising from or connected with information submitted by you which you knew, or ought reasonably to have known, was false, misleading, deceptive, incomplete or materially inaccurate.

5. Acceptable Use

You may use this website only for lawful purposes and in accordance with these Terms of Use.

You must not:

• use this website in any way that breaches any applicable law or regulation;
• use this website to transmit or submit false, misleading, defamatory, unlawful, obscene, abusive or otherwise objectionable material;
• upload or transmit any virus, malware, malicious code or harmful material;
• attempt to gain unauthorised access to the website, server, hosting environment or any connected systems;
• interfere with, damage, disable or impair the website or its availability;
• scrape, crawl, spider or otherwise harvest data from the website without our prior written consent; or
• impersonate any person or misrepresent your identity, authority or affiliation.

6. Intellectual Property

All content on this website, including text, branding, logos, design, layout, graphics, downloads and other material, is owned by us or licensed to us unless otherwise stated, and is protected by applicable intellectual property laws.

You may view this website and print or download extracts for your own lawful internal and non-commercial use only. You may not reproduce, republish, distribute, modify, exploit or create derivative works from any part of this website without our prior written consent.

7. Submitted Materials

Where you send us information, documents or other materials through this website, you confirm that you are entitled to provide those materials and that doing so does not infringe the rights of any other person or breach any legal, contractual, confidentiality or fiduciary obligation.

You grant us a non-exclusive, royalty-free right to review, copy, store and use materials submitted by you to the extent reasonably necessary to assess your enquiry or submission, conduct internal review, communicate with you, carry out due diligence, comply with legal or regulatory obligations, and protect our legitimate business interests.

We are under no obligation to retain, review, respond to, return or act upon any materials submitted through this website.

8. Third-Party Links

This website may contain links to third-party websites or resources for convenience only. We do not control those sites and are not responsible for their content, availability, legality, security or privacy practices.

The inclusion of any link does not imply endorsement, approval or association by us.

9. Privacy and Data Protection

Our collection and use of personal data is governed by our Privacy Policy. Where you submit information through this website, you agree that such information may be processed in accordance with our Privacy Policy and applicable law.

You should not submit confidential, commercially sensitive or personal information through this website unless you are satisfied that it is appropriate to do so and unless required fields, notices and consent mechanisms have been completed.

10. Disclaimer

This website and its contents are provided on an “as is” and “as available” basis. While we seek to keep information on the website accurate and up to date, we make no representation or warranty, express or implied, that the website, its content, or any information made available through it is accurate, complete, current, reliable, secure or fit for any particular purpose.

We do not guarantee that the website will always be available, uninterrupted, error-free or free from viruses or other harmful components.

Any reliance you place on this website or on any information provided through it is entirely at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, Initiative Ireland, Initiative Financial and their respective directors, officers, employees, agents and service providers shall not be liable for any loss, damage, cost or expense arising out of or in connection with:

• your use of, or inability to use, this website;
• any reliance placed on information contained on this website;
• any interruption, delay, defect, omission, error or unavailability affecting the website;
• any virus, malware or other harmful material transmitted through the website;
• any act or omission taken by us in relation to a submission, enquiry or request made through the website; or
• our decision not to accept, progress, respond to or act upon any submission or request.

Nothing in these Terms of Use shall exclude or limit any liability which cannot lawfully be excluded or limited under applicable law.

12. Indemnity

You agree to indemnify and hold harmless Initiative Ireland, Initiative Financial and their respective directors, officers, employees, agents and service providers from and against any claims, liabilities, losses, damages, costs and expenses, including reasonable legal costs, arising out of or in connection with:

• your breach of these Terms of Use;
• your misuse of this website;
• any information or material submitted by you through this website; or
• any allegation that information or material submitted by you is false, misleading, unlawful, infringing, unauthorised or otherwise in breach of applicable law or the rights of any third party.

13. Changes to the Website or these Terms

We may update or amend these Terms of Use from time to time. Any updated version will be posted on this website and will take effect from the date of posting unless otherwise stated.

We may also modify, suspend or discontinue any part of the website at any time without notice.

14. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them, the website, or its subject matter shall be governed by and construed in accordance with the laws of Ireland.

The courts of Ireland shall have exclusive jurisdiction to determine any dispute or claim arising out of or in connection with these Terms of Use or the use of this website.

15. General

If any provision of these Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall remain in full force and effect.

No failure or delay by us in exercising any right or remedy shall constitute a waiver of that or any other right or remedy.

These Terms of Use govern website use only. Any separate engagement, mandate, advisory relationship or transaction will be subject to separate written terms if and when agreed.