We are Nod don Eolach Teoranta, trading as Simple Search. We are an Irish company carrying out our business at the simplesearch.ie website and these terms of use apply to all our services carried out via this website.
These Terms of Use together with our Privacy Policy and the legal statements in the search tool record the contractual relationship between you and us in relation to our services and how we process your information.
For the purposes of the Data Protection Acts, Nod don Eolach Teoranta is a data controller for the personal data that you provide to us.
By using our services, you are agreeing with Nod don Eolach Teoranta to be bound by these Terms of Use and Privacy Policy (as each is amended and suplemented from time to time).
We may change or update these Terms of Use and our Privacy Policy at any time without prior notice. If the changes are changes that we regard as material we will put a notification on website that the changes have been made. Your continued use of our website or our services means that you accept any new or modified terms.
We provide an advanced search tool to help people find the health insurance plan that meets their needs.
We do not provide advice to customers on what features or benefits they should look for in a health insurance plan.
We do not sell insurance, we are neither a broker nor an intermediary.
We do not provide financial services.
It is not possible to switch your health insurance plan via our website.
We rely on the data provided by the Health Insurance Authority (HIA) on their health insurance comparison tool and on other sources of data for the data we provide via our search tool. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be, and we cannot accept any responsibility for any errors or incorrect data. We strongly recommend using the HIA's comparison tool to check the detailed information about any health insurance plans you are interested in and contacting the relevant insurer directly to verify the details of any plan you are considering before taking any action.
Our website is designed to help you find the health insurance plan from that best suits you and to help you get value for money from your health insurance plan. While we allow advanced search and calculation functionality to help you do this, the power and responsibility to act on this information lies entirely with you.
Our website and our services are for your non-commercial, personal use only and not for business purposes. You may access our services only through our website, standard web and mobile browsers and similar consumer applications and any app that we may develop, but not with any robot, spider, offline reader, site search/retrieval application or other manual or automatic device, tool, or process to retrieve, index, or mine data from our website. We reserve the right to take any technical steps we deem necessary to prevent any use by businesses or any other use that we do not permit.
If you have joined Simple Search us we may send you information regarding your account activity, as well as updates about our website and our services or other offers. You can opt-out of our newsletters and/or promotional e-mails at any time by clicking the unsubscribe link at the bottom of any of our e-mail or by contacting us. Please see our Privacy Policy for further information relating to how we process information relating to you.
We rely on the data provided by the Health Insurance Authority (HIA) on their health insurance comparison tool and on other sources of data for the data we provide via our search tool. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be, and we cannot accept any responsibility for any errors or incorrect data. We strongly recommend using the HIA's comparison tool to check the detailed information about any health insurance plans you are interested in and contacting the relevant insurer directly to verify the details of any plan you are considering before taking any action.
Access to our website and any registration/account with us is permitted on a temporary basis, and we reserve the right to withdraw, suspend or amend all or part of our services that we provide on our website without notice for any reason. We will not be liable if for any reason our website or any account is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our website, or our entire website to some or all users.
In this section, 'Content' means any information, mode of expression, or other material and services found on simplesearch.ie. This includes questions and answers, reviews, comments, tips or any other user-generated content, as well as software, our writings, graphics and any and all other features that may be found on the website.
Except as expressly provided in these Terms of Use, all of the Content on this website is the property of Nod don Eolach Teoranta or its licensors and is protected by Irish and international copyright and other intellectual property laws.
Our Content is intended for individual, personal use only. You are permitted to use content delivered to you through our website only for our services or in order to apply for and acquire any of the products or services appearing on our website. You may not copy, reproduce, distribute, or create derivative works from our content. Further, you agree not to reverse engineer or reverse compile any of the software or other technology that we use. Any other copying, distribution, storing or transmission of any kind, or any sort of commercial use of our content, is strictly prohibited without our prior written permission.
We make no claims or representations as to the accuracy, completeness, or truth of any material contained on our website. Nor are we liable for any errors or delays in the content or transmission of the data on our website.
The content and services Nod don Eolach Teoranta provide are not aimed at or for the use of children or minors. All users must be at least 18 years of age.
You may link to our 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.
Our website must not be framed on any other website. We reserve the right to withdraw linking permission without notice at any time at our sole discretion.
Please review this section carefully as it is very important and it takes priority over the other provisions of these Terms of Use relating to our services and any other obligations that we may have to you from time to time under these Terms of Use, under any statutory provisions or other law or otherwise.
In summary, it means that you agree that, save only to the extent that we cannot by law exclude our liability, under no circumstances shall we be liable for any Liability (as defined below) resulting from (i) any information or content that appears on our website or that we send to you, (ii) your use of, or downloading of, any content on our website, (iii) any information that you provide (or do not provide) to us, (iv) the time at which we provide (or do not provide) our services, (v) the manner in which we provide (or do not provide) our services (ie through our website, call centre, email or otherwise), (vi) any decision that you make to regarding any health insurance plans that appear on our website, (vii) your use of those services and products and (viii) any acts or omissions of third parties. Further, you will pay to us any amounts that we, our team and group of companies may incur in relation to those Liabilities (as defined below).
Save to the extent that we are required to do so by law, we are not making any guarantees, promises or warranties except that we won't intentionally mislead or lie to you and that we will exercise reasonable care and skill in delivering our services to users of our website generally.
As we have stated above, it is up to you to decide whether what features or benefits of health insurance plans are right for you. We strongly caution you not to solely rely on the information you find here to inform your decisions.In particular, you should ensure that you fully understand (i) how those products and services work, (ii) whether or not they are appropriate for you given your / your family’s personal circumstances and (iii) their price. If you decide to choose any health insurance plan, it is very important that you are aware of all of the terms and conditions that apply.
The terms and conditions in this Section have been prepared to reflect the fact that (i) we only provide our services, (ii) we have no control over you or any health insurance company or the Health Insurance Authority or any other third parties who are mentioned on our website and (iii) we are reliant on, and do not have the means to verify, most of the information that is provided to us by, or obtained by us from, third parties.
"Information" means the news, data, content and other information in our comparison centres or other content found on, embedded in (whether through links or otherwise) or referred to on our website and in newsletters, emails and other communications that we issue to you;
"Liability" and "Liabilities" means any, direct or indirect, claim, liability, cost, damage or loss or other liabilities (including, without limitation, legal and other professional fees) that are incurred, including, but not limited to, (i) those arising out of any cause of action (including breach of contract, tort, misrepresentation, restitution or any other cause of action whatsoever and (ii) liabilities expressly provided for under this Agreement.
Your use of our services and all Information whether provided by us or third parties that is included in or accessible from our service or our website is at your sole risk and such Information is provided on an "as is" and "as available" basis.
Without prejudice to the foregoing, we do not warrant or represent or give you any form of guarantee or commitment relating to the following:
We do not accept, and expressly exclude, responsibility for any and all Liabilities incurred by you or by any third party, arising, directly or indirectly, from:
Without prejudice to the foregoing, we will not be liable for (i) loss of income or revenue, (ii) loss of actual or anticipated profits, (iii) indirect or consequential loss (whether or not they are known, foreseen, foreseeable or otherwise (iv) loss of goodwill, loss of opportunity or loss of other intangible rights and (v) loss of data.
Nothing in this Section shall exclude or limit our Liability for (i) fraud; (ii) death or personal injury caused by our negligence; (iii) serious misconduct by us (other than serious or other misconduct not conducted by us); or (iv) any Liability or warranty or representation only to the extent that it cannot be excluded or limited by law and this is finally determined having regard to, among other things, whether or not you are a consumer.
You are obliged to take reasonable steps to mitigate/reduce any loss that is or may be suffered by you.
You agree to indemnify, defend, and hold us harmless against any Liability arising directly or indirectly (both during and after the termination of this agreement) from (i) any violation by you of your obligations to us under these Terms of Use, (ii) your decision to choose or not choose any particular health insurance plan or policy, and (iii) your use (and the use of anyone in your household) of any services products or services supplied by us.
If any provision or word or sentence in these Terms of Use is invalid or unenforceable, it shall be deemed severed and where capable the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.
These Terms of Use shall be governed by the laws of Ireland as if the Agreement was a contract wholly entered into and wholly performed within Ireland. You agree that save as provided for below the courts of Ireland shall have exclusive jurisdiction in relation to any disputes arising under or in connection with these Terms of Use and the use by you of our website and our services. We reserve the right to bring proceedings against you in the courts of any jurisdiction should we consider it appropriate for us to do so in order to enforce, or protect, our rights under these Terms of Use.
These Terms of Use and the Privacy Policy (as each is amended and supplemented from time to time), along with the legal statements contained within the advanced search tool, represent the entire agreement between us at the time that you use our website or our services.
Nothing in these Terms of Use constitutes a joint venture, partnership or agency relationship between you and us and neither party shall have the right or authority to incur any liability, debt or cost or enter into any contracts or other arrangements in the name of or on behalf of the other.
You may not assign or delegate or otherwise deal with all or any of your rights or obligations under these Terms of Use. We shall have the right to assign or otherwise delegate all or any of our rights or obligations under these Terms of Use to any person.
We shall not be liable for any breach of our obligations under these Terms of Use, the Cookie Policy or the Privacy Policy where we are hindered or prevented from carrying out our obligations by any cause outside our reasonable control.
No waiver by us of any default of yours under these Terms of Use, the Privacy Policy, or the legal statements in the advanced search tool, shall operate or be construed as a waiver by us of any future defaults, whether of a similar or different character. No granting of time or other forbearance or indulgence by us to you shall in any way release, discharge or otherwise affect your Liability under this Agreement.
Notices to be given to either party shall be in writing and shall be delivered by electronic mail (other than, if you are sending a notice to us for the purpose of legal process) or by pre-paid post, to you at the address you supplied to us (if applicable) or to us at our registered office.
All provisions of these Terms of Use apply equally to and are for the benefit of our Affiliates and each shall have the right to enforce such provisions directly or on its own behalf. Subject to the foregoing, no term of these Terms of Use is otherwise enforceable by any person who is not a party to it.
Those provisions of these Terms of Use, the Privacy Policy, and the legal statements in the advanced search tool, that either are expressed to survive the expiry or termination of this agreement or from their nature or context it is contemplated that they are to survive such termination, shall survive termination of this agreement. In the event you use our Services or our website again, then the provisions of these Terms of Use, the Privacy Policy and the Cookie Policy that then apply will govern your re-use of our services or our website..
In the event that we reorganise our business, you agree that we may transfer your information to another company owned and controlled us. In the event that we propose to sell any business or assets to a third party, you agree that we may (i) transfer anonymised information relating to you to one or more prospective third party purchasers and (ii) and transfer your personal information to the purchaser(s) of the business or assets if the transaction is completed.
In the event that Nod don Eolach Teoranta proposes to sells any business or assets to a third party, we may disclose your personal information to a prospective purchaser on a confidential basis and to any ultimate purchaser.
If you use (or anyone other than you, with your permission uses) our services or our website in breach of these Terms of Use and our Privacy Policy, or, on reasonable grounds, we suspect that you have, might or will breach them, we may suspend your use of our services and/or your account and/or our website (in whole or in part).
Notwithstanding anything else in these Terms of Use, our Cookie Policy and our Privacy Policy: