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Get you debts written off!

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Comments

  • Posts: 5,079 ✭✭✭ [Deleted User]


    Take a look at the range of incomes of the people who will avail of this

    http://www.thepropertypin.com/viewtopic.php?f=4&t=1859


  • Registered Users, Registered Users 2 Posts: 2,800 ✭✭✭voxpop


    I dont get this - why is there a push to allow ppl who have gotten into debt to write a big chunk of it off ? I had a large amount of debt over me from college loans, etc. I paid them all off, I had to take a cut in my living standards, but paid everything off none the less.

    I didnt buy a house over the past few years because common sense told me that the prices were way too high, 800k for a 3 bed near templeogue!! I dont see why someone with large amounts of debt should suddenly get a part written off. Its their own fault for getting into debt in the first place.


  • Closed Accounts Posts: 4,025 ✭✭✭Tipp Man


    voxpop wrote: »
    I dont get this - why is there a push to allow ppl who have gotten into debt to write a big chunk of it off ? I had a large amount of debt over me from college loans, etc. I paid them all off, I had to take a cut in my living standards, but paid everything off none the less.

    I didnt buy a house over the past few years because common sense told me that the prices were way too high, 800k for a 3 bed near templeogue!! I dont see why someone with large amounts of debt should suddenly get a part written off. Its their own fault for getting into debt in the first place.

    Agree completly and this is something that i feel very strongly about, I like you looked at house price these last 5-6 years and laughed at how stupid people were to buy these properties, now when the s''t hits the fan these guys are going to have their debts written off is ridiculous. Where has the responsibility for 1's own finances gone?

    If this does come to fruitition then let me tell you this country will have learned nothing from the last 7 years of gross overindulgence. For people to simply go out and live like kings and then not suffer the consequences of having to pay them off is mind boggling. Why should i have to pay off my loans when someone else doesn't??

    there are very few things that would have me marching in the streets but let me tell you if this happens it is 1 thing i would march about


  • Registered Users, Registered Users 2 Posts: 4,236 ✭✭✭Dannyboy83


    The scheme is only binding if creditors representing 75 per cent of the total debts agree to its terms.

    Why would the banks possibly be interested in IVAs when they already have NAMA?
    The Government become the creditor, so therefore it will be a bail out for the private homer owner if the government agree to write off a percentage.

    So, my tax will be paying for
    A) the banks who caused the mess - NAMA
    B) the clients who overborrowed and contributed to the mess - IVAs

    Whos getting stuffed?
    Me <- the one who was financially responsible and didn't buy a house.

    I swear to God, if that happens, the government can either i) agree to give me the deposit for my house, or ii) the banks can lock me into a 0% interest rate.

    Or I can just fcuk off to another country where I'm not a peon under the Irish Feudal system.


  • Registered Users, Registered Users 2 Posts: 4,236 ✭✭✭Dannyboy83


    Or failing that, I'll just go have my own little Celtic Tiger and get a bailout next year when the parties over.


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  • Posts: 6,219 ✭✭✭ [Deleted User]


    What a joke, I should of racked up a load of debt and bought myself an overpriced house. If this goes ahead I would like to get back all of the money I lost in my PRB Fund due to the banks mess.


  • Moderators, Entertainment Moderators, Politics Moderators Posts: 14,568 Mod ✭✭✭✭johnnyskeleton


    I know I say this with every new innovation that this government brings in to deal with the crisis, but it seems to me that such a piece of legislation is unconstitutional.

    Let's say that I am one of 5 people who are owed money by Joe Soap. We are all owed 20k and Joe owes 100k in total. But, he only has 50k to offer to his creditors in total (or so he says anyway). The other 4 look at it and decide to take the 10k and cut their losses. But I know Joe quite well and know that he has some money stashed away or that he is just about to open up a new business with assets from his wife/son etc. So I say to Joe that I want all my money in full.

    However, because such agreements are legally binding if 75% of the creditors agree to it (or whatever amount is ultimately specified in the legislation) I lose my right to sue for the money or seek it against his new business at a later date and so I get shafted (either by being forced to take the 10k or, seeing as it's Ireland, possibly being left out in the cold if I do not accept it). I lose 10k and Joe gets to keep that 10k because he outwitted the other 4 creditors.

    This seems to me to violate my right to private property, to enter into contractual arrangements and to enforce same through the courts. Even if it wasn't strictly speaking unconstitutional, I wouldn't be interested in giving anybody an unsecured personal loan because I would lose my right to claim it back if they invoked this new legislation.


  • Moderators, Entertainment Moderators, Politics Moderators Posts: 14,568 Mod ✭✭✭✭johnnyskeleton


    voxpop wrote: »
    I dont get this - why is there a push to allow ppl who have gotten into debt to write a big chunk of it off ? I had a large amount of debt over me from college loans, etc. I paid them all off, I had to take a cut in my living standards, but paid everything off none the less.

    I didnt buy a house over the past few years because common sense told me that the prices were way too high, 800k for a 3 bed near templeogue!! I dont see why someone with large amounts of debt should suddenly get a part written off. Its their own fault for getting into debt in the first place.

    Secured personal debts aren't covered it seems, only unsecured debts.


  • Registered Users, Registered Users 2 Posts: 17,789 ✭✭✭✭peasant


    Secured personal debts aren't covered it seems, only unsecured debts.

    hang on ...hang on ...

    So the hard working young family that just about managed to buy an overprized carboard box in the arsehole of nowhere and now can't pay for it due to losing one (or two!) incomes gets a re-negotiaton of their repayment terms so that they don't and up in the street (instead their grandchildren will be paying off the mortgage) ...

    but all the smug fucckers who maxxed out on 15 credit cards to buy three new cars and five flat screen TV's get to keep their glitter and walk away grinning even more smugly?

    You MUST be kiddin' me :mad:


  • Posts: 5,079 ✭✭✭ [Deleted User]


    peasant wrote: »
    hang on ...hang on ...

    So the hard working young family that just about managed to buy an overprized carboard box in the arsehole of nowhere and now can't pay for it due to losing one (or two!) incomes gets a re-negotiaton of their repayment terms so that they don't and up in the street (instead their grandchildren will be paying off the mortgage) ...

    but all the smug fucckers who maxxed out on 15 credit cards to buy three new cars and five flat screen TV's get to keep their glitter and walk away grinning even more smugly?

    You MUST be kiddin' me :mad:

    Who says these are different people? Who is being bailed out with NAMA?
    Who will be bailed out with this.......... we dont know the full details of this plan yet only an obscure reference to the UK system. I wouldnt be holding out on it being an equitable show at all


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  • Registered Users, Registered Users 2 Posts: 17,789 ✭✭✭✭peasant


    Who says these are different people?

    Well, the way I see it there were four different kind of people during the property boom:

    1) people who stayed out of it and lived prudently and within their means
    2) ordinary people, young families, who needed a home and due to our miserable tennancy laws were more or less forced to buy a family home, pretty much regardless of the price
    3) ordinary people who lost the run of themselves, believed that they were rich (because the price of thier one and only house had gone up) and went on a spending splurge
    4) property speculators ...some of them with the cash to play the market, lots of them without.

    If anyone thinks that I (member of group one) will sit quietly while my money is used to bail out the 3's and 4's ...they've got another thing coming


  • Registered Users, Registered Users 2 Posts: 6,584 ✭✭✭PCPhoto


    this is simply the government trying to ensure that they manage to keep their jobs ...claiming we're helping out "the people" too.

    if anyone from the government reads this (how about punishing the people responsible instead of being so nice to them - yerselves included)

    This country needs serious overhaul - how can our Taoiseach earn so much more than the president of the USA, or even how can our TV presenters earn that much, most of our politicians earn as much as president of USA (if you include their "expenses")


  • Registered Users, Registered Users 2 Posts: 23,283 ✭✭✭✭Scofflaw


    It's a way of alleviating impossible situations. I'm sure there will turn out to be ways in which it can be abused (isn't everything?), but it's mostly a recognition that recovery becomes all the more difficult if people have a perpetual open liability to their creditors if they can't settle all debts in full.

    Taking this example:
    Let's say that I am one of 5 people who are owed money by Joe Soap. We are all owed 20k and Joe owes 100k in total. But, he only has 50k to offer to his creditors in total (or so he says anyway). The other 4 look at it and decide to take the 10k and cut their losses. But I know Joe quite well and know that he has some money stashed away or that he is just about to open up a new business with assets from his wife/son etc. So I say to Joe that I want all my money in full.

    In that situation you would persuade the other creditors that Joe Soap has the money. However, let's say he really doesn't have it:
    However, because such agreements are legally binding if 75% of the creditors agree to it (or whatever amount is ultimately specified in the legislation) I lose my right to sue for the money or seek it against his new business at a later date and so I get shafted (either by being forced to take the 10k or, seeing as it's Ireland, possibly being left out in the cold if I do not accept it).

    That's kind of the point - you've lost your ability to hold your debt permanently over Joe's head, so that if he manages to crawl back from the abyss, nobody's waiting for him. He has settled his debts, and that settlement, unlike the informal arrangements he might otherwise have come to, is legally binding. You might not be the kind of person who would agree to "settle" for €10K now, but come after Joe the minute he looked like he had money again, but there's plenty who are.

    This also has nothing to do with people like developers - anyone with the nous to incorporate as a limited liability company already has their debts covered by better arrangements.

    cordially,
    Scofflaw


  • Posts: 6,219 ✭✭✭ [Deleted User]


    This country is turning more and more into a badly run circus everyday :mad:

    Like many other sensible people in this country I worked my arse off for years, was sensible with my money, got myself a PRB fund that is now 90% gone :mad:, I didn't / don't live beyond my means, no debts, and now on top of the government asking me to bail out the banks, building developers, a budget that will no doubt see my taxes go up and new ones come in, water rates, welfare cuts etc... I'm now been asked to bail out all the idiots that lived way beyond their means and thought the boom would never end, the wannbe yuppies with their overpriced houses, second homes they rent out, BM's and Mercs that now find themselves shopping in Aldi & Lidl every week, what a joke.

    It's true what I've been told for years about this country, "the rich get rich and the poorer get poorer, if you're not rich and a crook you will be walked all over".


  • Closed Accounts Posts: 4,124 ✭✭✭Amhran Nua


    Somebody is going to take the hit on a scheme like this. If its the banks, why are we recapitalising them on one hand and removing their income with the other? More details are needed methinks.


  • Closed Accounts Posts: 12,382 ✭✭✭✭AARRRGH


    Amhran Nua wrote: »
    Somebody is going to take the hit on a scheme like this. If its the banks, why are we recapitalising them on one hand and removing their income with the other? More details are needed methinks.

    I'm going to make a wild guess and say the tax payer will pay for it. It would not surprise me at all to hear Brian Lenihan announce a "Debt Repayment" fund or something which of course is made up of a few billion of the tax payers money.

    Thank god I am emigrating next year. It's the only thing keeping me going in this banana republic!


  • Closed Accounts Posts: 4,124 ✭✭✭Amhran Nua


    AARRRGH wrote: »
    Thank god I am emigrating next year. It's the only thing keeping me going in this banana republic!
    Its the sensible option. If all the people who know whats wrong leave though, who will be left to fix it?


  • Registered Users, Registered Users 2 Posts: 18,448 ✭✭✭✭Idbatterim


    i cant believe this latest propsal, everyone who saw what was going on with the ridiculous house prices and held off buying, are now being rewarded for their foresight and correct thinking! Now this proposal! let them pay back every red cent! I couldnt care less how they do it! if they borrowed incomprehensible sums for the sh*t heaps let them pay for it for years to come! God I wish I had finnished my college course, so I could get out of this joke of a country easier!


  • Banned (with Prison Access) Posts: 2,087 ✭✭✭Festus


    Of course you could just get a job in RTE. The more like a plank you are the more money you make. All debts cleared within a couple of months.


  • Closed Accounts Posts: 10,007 ✭✭✭✭thebman


    It is ridiculous but was always likely to happen.

    One guy I used to work with when I said, I wouldn't buy a house with the market the way it was (just as it start to collapse), he said, sure there are too many people involved now, the state can't let it fail, might as well get in now as they'll have to bail everyone out if it all falls apart.

    Guess he was right :-/


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  • Registered Users, Registered Users 2 Posts: 3,553 ✭✭✭lmimmfn


    Amhran Nua wrote: »
    Its the sensible option. If all the people who know whats wrong leave though, who will be left to fix it?
    those in the public sector, the politicians and those on the dole, im sure they'll sort it out amongst themselves lmao

    In the context if you move though would you really give a $hit?

    its something im keeping an eye on doing personally, i dont want my family to grow up in a long term Nama/overtaxed workforce/poor economy.

    Ignoring idiots who comment "far right" because they don't even know what it means



  • Closed Accounts Posts: 12,382 ✭✭✭✭AARRRGH


    lmimmfn wrote: »
    those in the public sector, the politicians and those on the dole, im sure they'll sort it out amongst themselves lmao

    In the context if you move though would you really give a $hit?

    its something im keeping an eye on doing personally, i dont want my family to grow up in a long term Nama/overtaxed workforce/poor economy.

    I only have one life, so there's no way in hell I'm going to spend it in (let's be honest) a country that can be quite miserable at the best of times. When I try to imagine post-NAMA Ireland, all I can see is a shit hole.

    Barcelona here I come.


  • Registered Users, Registered Users 2 Posts: 3,553 ✭✭✭lmimmfn


    AARRRGH wrote: »
    I only have one life, so there's no way in hell I'm going to spend it in (let's be honest) a country that can be quite miserable at the best of times. When I try to imagine post-NAMA Ireland, all I can see is a shit hole.

    Barcelona here I come.
    If you have the opportunity mate, then seriously go for it and dont look back

    Ignoring idiots who comment "far right" because they don't even know what it means



  • Closed Accounts Posts: 12,382 ✭✭✭✭AARRRGH


    lmimmfn wrote: »
    If you have the opportunity mate, then seriously go for it and dont look back

    That's the plan! :pac:


  • Registered Users, Registered Users 2 Posts: 3,553 ✭✭✭lmimmfn


    AARRRGH wrote: »
    That's the plan! :pac:
    nice one, good for some :), a few of my colleagues have already left, its currently not so easy for myself but something im seriously considering, the next 6 months will tell.

    Ignoring idiots who comment "far right" because they don't even know what it means



  • Closed Accounts Posts: 4,124 ✭✭✭Amhran Nua


    lmimmfn wrote: »
    In the context if you move though would you really give a $hit?
    Yes, I would. ;) I think we should keep AARRRGH here and put the politicos on the next boat out of here.


  • Registered Users, Registered Users 2 Posts: 3,553 ✭✭✭lmimmfn


    Amhran Nua wrote: »
    Yes, I would. ;)
    well the majority of those that moved to another country would have enough to deal with in their new adopted country with politics/laws/tax etc. to be concerned about whats going on at home( thats not to say they wouldnt read the papers/web out of curiousity

    If i moved then the fact that i moved would be enough for me not to give a crap anymore, its such an extreme step to take in the current climate that not giving a crap would come in around the point of having a job to go to in another country.

    Ignoring idiots who comment "far right" because they don't even know what it means



  • Closed Accounts Posts: 10,007 ✭✭✭✭thebman


    Yeah I'd need a job secured before I left but I'd love to leave this country at this stage TBH.

    You can grass is greener on other side bla bla bla but the reality is there is less corruption in many other countries. This is a cosy little backwater where those with power have a close circle of friends. The whole country is too small and too easy for this to form. Combined with an electorate that don't seem to care and a state broadcaster which seems to have a monopoly on interviews with political leaders and never asks hard questions and your left with a system that doesn't ever look like changing.


  • Closed Accounts Posts: 4,124 ✭✭✭Amhran Nua


    thebman wrote: »
    This is a cosy little backwater where those with power have a close circle of friends. The whole country is too small and too easy for this to form. Combined with an electorate that don't seem to care and a state broadcaster which seems to have a monopoly on interviews with political leaders and never asks hard questions and your left with a system that doesn't ever look like changing.
    Ah we're still shaking off the detritus of the bad old days, give us a chance and we'll get there. I may be a fairly optimistic person, but I feel Ireland is just getting started.


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  • Closed Accounts Posts: 10,007 ✭✭✭✭thebman


    Amhran Nua wrote: »
    Ah we're still shaking off the detritus of the bad old days, give us a chance and we'll get there. I may be a fairly optimistic person, but I feel Ireland is just getting started.

    Unfortunately the state is bankrupt, its too late to get started. Even if it wasn't too late, the government are incapable of managing us out of the crisis.

    We have a serious infrastructure deficit and no money to improve it. Our only hope is th EU pities us and decides to give us free money and I don't really want that to happen or be relying on it.

    If they do, we'll be back here in 20 years again waiting for an EU handout. We are the welfare bums of Europe as a nation or at least it seems that way at times :(

    Like I say to my friends, its time to move to a real country.


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  • Occasionally users may speculate about the identity of anonymous or pseudonymous users. Such speculation is against our Terms of Use and we delete all such posts which are brought to our attention. However please be aware that we cannot guarantee that other users will not be able to determine your identity. There should be no expectation of complete anonymity anywhere on the internet.
  • We reserve the rights to change usernames at our discretion. You cannot change your username after registration unless you become a subscriber.



6.2 Accounts and passwords

Boards.ie reserves the right to log off or deactivate accounts that are inactive for more than 6 years.

You cannot create more than one personal profile. You may not share your account with anyone. You agree not to provide any false information to Boards.ie or to create an account for anyone other than yourself without the express permission of that other person or entity. You agree not to use the account or password of another user and not to disclose your password to any third party. You agree to notify us immediately if you suspect any unauthorised use of your account or access to your password.

Boards Software Limited will not be liable for any loss that you may incur as a result of someone else using or accessing your password or account, either with or without your knowledge.

You may be held liable for losses incurred by us or any other party as a result of someone else using or accessing your password or account if you have not taken reasonable steps to keep your password or account secure.

Boards.ie may at its absolute discretion refuse you access to the site, delete posts by you or suspend/terminate your account without prior notice for any reason and you shall not be entitled to any compensation in respect of this. If we disable your account you will not be entitled to create another account without our permission.

These Terms of Use, including, in particular, the indemnities contained herein, shall survive any suspension or termination of your account.


6.3 User status

Please note that your user status will appear in connection with your username. For example, should you receive a warning then a yellow card will appear on the post. Similarly, should you receive an infraction relating to your use of boards.ie, a red card will appear. Should you be banned from using boards.ie, the word \'Banned\' will appear under your username.


6.4 Your interactions with other users

Boards SoftwareLimited has no obligation to verify the identity of any users when they are connected to the site or to monitor Material provided by them.

Your interactions with other users, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and the other user.

As with any web-based interaction, we suggest that you use caution and good judgment. If there is a dispute between you and any third party (including any advertiser), we are under no obligation to become involved.

You are encouraged to exercise discretion when providing personal information about yourself on boards.ie. Any personal information which you volunteer in your public profile or post on the forums will be available worldwide to anyone with access to the website.

We recommend you never post your name, address, telephone number, email address or anything else that may lead someone to identify you if this is something you are uncomfortable with.

Please note that certain information (such as photographs) which you may choose to provide might reveal your gender, ethnic origin, nationality, religion and/or sexual orientation.

If you have an active boards.ie account you can request that your Personal Data be edited or deleted. This can be done by sending a Private Message (PM) to “Boards.ie: GDPR” (if for any reason you are unable to access or send a PM please email datarequests@boards.ie and we will get back to you with further instructions).

For closed accounts, all Personal Data will be deleted. Posts made by users whose accounts were subsequently closed cannot be associated with other information held by Boards.ie that relates to an identified or identifiable natural person and as such are not considered Personal Data.

In specific instances where the content of a post contains sensitive data or data that could be used to identify an individual and where the original poster no longer has an active boards.ie account you can request that we edit or delete the post; these requests will be dealt with on a case-by-case basis.


  1. Closing your account and our right to ban accounts or remove user privileges

You can close your user account at any time. This process is irreversible and permanent.

Closing your account means we will delete your password, remove any email subscriptions or notifications you may receive, delete all Personal Data we hold about you and turn off your Private Messages. This process does not remove any posts you have made on the site and does not remove the IP address that is captured when each post is submitted.

The posts are retained as they are an intrinsic part of the thread in which they are posted and removing them may make the thread unreadable or make the other posts difficult to understand or follow. The IP addresses captured with each post are retained for anti-spamming purposes. It should be noted that post IP address cannot be linked with other data to identify the individual who made the post as all other data concerning that individual will have been permanently deleted upon account closure.

Boards.ie may at its absolute discretion refuse you access to the site and/or cancel/terminate your user privileges without prior notice for any reason and you shall not be entitled to any compensation in respect of cancellation/termination of your user privileges. If we disable your account you will not be entitled to create another account without our permission.

These Terms of Use, including our proprietary rights, disclaimer of warranties, indemnities, limitations of liability, choice of law and choice of forum, and miscellaneous provisions shall survive any termination of your user privileges.

Without limiting the foregoing, the following will lead to a suspension of your privileges on boards.ie:


  • breaches or violations of these Terms of Use or other Boards.ie guidelines
  • requests by law enforcement or other government agencies
  • unexpected technical issues or problems or
  • extended periods of inactivity

  1. Posting on boards.ie


8.1 Content posted on boards.ie

You are solely responsible for your conduct and any Material that you submit, post, and/or display on boards.ie. You agree not to post Material contrary to these Terms of Use or any applicable law.

Due to the real-time nature of boards.ie, Boards.ie cannot and is not required to review the contents of posted Material, nor does it confirm the validity of information submitted. Boards SoftwareLimited hereby notifies you that it does not actively monitor Material posted by users and, as such, is not responsible for and gives no warranty or representation in relation to Material posted by users.

Because community standards vary and individuals sometimes may not comply with our policies and guidelines, in the process of using boards.ie, you may be exposed to content that you find offensive or objectionable. Users are encouraged to bring any Material they deem offensive or objectionable to the attention of forum moderators by using the Report Post Feature identifying the specific Material you consider is objectionable. You must be logged in to boards.ie in order to report a post. For material that you consider objectionable you will be asked to give your reasons for wanting the Material removed.

Users are informed that if they deem Material to be defamatory or an infringement of their intellectual property rights they should inform boards.ie by emailing hello@boards.ie.


Do not use the Report Post Feature to report defamatory Material or Material which infringes your intellectual property rights.

You will be asked to give your reasons for wanting the Material removed. Please note that the Boards.ie offices are open for business from 9am to 5.30pm Monday to Friday, excluding national and public holidays in the Republic of Ireland. Any notifications received from users outside of the aforementioned hours will only be addressed upon the re-opening of the Boards.ie offices.

If another user defames, abuses, harasses, stalks, or threatens you or otherwise violates your rights on boards.ie please report the post to Boards.ie by emailing hello@boards.ie or by using the Report Post Feature identifying the specific Material you consider is objectionable.

Whilst we do not monitor Material posted by users, we reserve the right to take down Material that comes to our attention via a complaint or otherwise. Members who repeatedly flout our guidelines or these Terms of Use will be barred from joining discussions on boards.ie. You will not necessarily be notified when Material is removed or when you have been banned. Boards.ie will not enter into any correspondence with or about users who have been banned.

Boards.ie reserves the right to immediately ban a user if there has been a serious breach of our guidelines or these Terms of Use. All decisions in relation to these matters are carried out at the sole discretion of Boards.ie.

Boards.ie may be required to disclose your Personal Data (as such term is defined under the General Data Protection Regulation) when legally obliged to do so or when otherwise compelled to disclose such Personal Data – please see our Privacy Notice for further details.

We may, but are not obliged to, remove or limit access to Material from any user which breaches these Terms of Use.

You own all of the Material you post on Boards.ie and we do not claim ownership of that Material. However, we need your permission to be able to display that Material and in some cases to modify it for best display – for different browsers, for our mobile site, and so on.

Consequently, by posting any Material on or through boards.ie, you grant Boards SoftwareLimited a limited licence to use, modify, publicly perform, publicly display, reproduce, and distribute such Material. The licence you grant to Boards SoftwareLimited is non-exclusive, royalty free and fully paid, sub-licensable, and worldwide. This licence applies only to use of the Material for the purpose of providing the Boards.ie service. You also waive to the fullest extent permissible by law any moral rights in such Material. You are responsible for making sure that you have all rights to what you post, including the rights necessary for you to grant the licence above.

By posting any Material on boards.ie you represent and warrant that: (i) you own the Material posted by you or otherwise have the right to grant the licence above, and (ii) the posting of the Material does not violate the privacy rights, publicity rights, intellectual property rights, confidentiality, contract rights or any other rights of any person. You agree to pay all royalties, fees, or any other monies owing any person by reason of any Material posted by you to or through boards.ie.

From time to time we may seek to use users\' Material for the purpose of advertising or marketing boards.ie.

Please do not post any information you are not happy to have publicly viewable on the site.

In order to ensure that threads and conversations are not disrupted, we do not generally remove Material which is uploaded to us. Consequently, you agree that your Material displayed on boards.ie may continue to appear on boards.ie, even after you have terminated your user privileges, closed your account or have had your user privileges terminated by boards.ie. This provision does not affect your rights under data protection law, as set out in our Privacy Notice.

To have original creative Material deleted, please contact the relevant forum moderator (by using the private messaging system available to all registered users when they are logged onto boards.ie) with a direct link to the relevant item and your request. We will delete it within 30 working days of your request, as far as is reasonably possible.

Please note that deletion of original creative Material applies only to Material you have uploaded to boards.ie. If you have posted a link on boards.ie to Material hosted elsewhere (such as Flickr or YouTube) then, as Boards.ie is not the host, you will have to contact the other site to have that Material deleted.

We cannot guarantee that other users will not use the ideas and information that you share. Therefore, if you have an idea or information that you would like to keep confidential and/or don\'t want others to use, you must not post it on boards.ie. We are not responsible for a user\'s misuse or misappropriation of any content or information you post on boards.ie.


8.2 Defamatory Content

Boards.ie operates on a "notice and takedown" basis. If you believe that any content on boards.ie contains a defamatory statement, please notify Boards.ie immediately by emailing hello@boards.ie. Once this notification has been received, Boards.ie will use all reasonable endeavours to remove the defamatory content complained about within a reasonable period of time.

In the case of a genuine grievance which requires a legal response, Boards.ie can only release personal data about any of our members when requested by an investigating member of An Garda Síochána or on receipt of a court order.

Please note, if you threaten legal action against Boards.ie, by extension against Boards SoftwareLimited, your account will be site-banned by an Administrator until such time as the issue is resolved. This is strict site policy and is enforced by all moderators and Administrators.

Please note also that Boards.ie offices are open for business from 9am to 5.30pm Monday to Friday. Take down requests received outside of the aforementioned hours will only be addressed upon the re-opening of Boards.ie offices.


8.3 Content infringing Intellectual Property Rights.

Boards.ie operates on a "notice and takedown" basis. If you believe that any content on boards.ie infringes your intellectual property rights, please notify Boards.ie immediately by emailing hello@boards.ie. Once this notification has been received, Boards.ie will use all reasonable endeavours to remove the infringing content complained about within a reasonable period of time.


8.4 Nuisance posts

Our first line of defence against nuisance posts is to delete them and to ban the user. Nuisance posts include potentially defamatory material, surreptitious advertising, any other posts which breach the posting guidelines and/or our Terms of Use and any form of messages, posts or emails deemed offensive by the administrators or moderators. In addition, where a user recommends the products or services of their employer, they should state their conflict of interest. Where they do not do so, we reserve the right to point out that the user appears to have a conflict of interest.

Where a nuisance poster persists, we reserve the right to use email addresses and IP addresses to identify the user and halt the nuisance.

Boards.ie does not condone personal abuse or harassment towards any member. Boards.ie does not condone defamatory posts directed at any individual or company. If someone else has posted material about you on boards.ie without your permission and you would like to request that it be removed please contact us at hello@boards.ie.


  1. Feedback, suggestions and submissions about boards.ie

From time to time users contact us with feedback, suggestions and submissions about boards.ie and how to improve the site and services we offer. Boards.ie welcomes the input, and the following terms ensure that we can use your contributions to improve boards.ie.

You do not have to submit anything to Boards.ie about boards.ie, but if you do you acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or any other submissions to Boards.ie which may improve our products, services, or offerings shall become the property of Boards SoftwareLimited unless otherwise agreed by Boards SoftwareLimited.

By making a submission to boards.ie about boards.ie, you grant a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sub licensable, fully paid up and royalty-free right to Boards SoftwareLimited to copy, prepare derivative works from, improve, distribute, publish, remove, retain, add, and use and commercialise, in any way now known or in the future discovered, anything that you submit to Boards.ie, without any further consent, notice and/or compensation to you or to any third parties.

If you do not want to grant Boards SoftwareLimited the rights set out above, please do not make 

submissions to Boards.ie.


  1. Content of advertisements on boards.ie

You acknowledge that Material presented to you by boards.ie, advertisers, or other users may be protected by copyrights, trademarks, patents or other proprietary rights or other intellectual property right and laws. All copyright and other proprietary notices in the Material must be left intact.


  1. Links to and content of third party sites


11.1 Links to other websites

Boards.ie contains links to other websites operated by third parties over whom Boards SoftwareLimited has no control. Such links are provided for your convenience only and Boards Software accepts no responsibility or liability in respect of the content or use of other websites. Such links do not amount to an endorsement or recommendation of these sites by Boards Software. Boards Software Limited does not exercise any control or supervision over the content of these linked sites.

Boards Software Limited is not responsible for the content or accuracy of or for the opinions expressed in these third party websites and these websites are not investigated, monitored or checked for accuracy or completeness by Boards.ie.

Some of these sites may contain materials that are objectionable, unlawful, or inaccurate. The fact that these links appear does not mean that Boards.ie endorses these third party sites or services.

If you do decide to leave the boards.ie site and access third party sites you do so at your own risk. Third party sites linked via the boards.ie site are not covered by these Terms of Use or the Boards.ie Privacy Notice.


11.2 Links to boards.ie and Associated Websites

Boards.ie and its parent company and associated companies permit third parties to link to boards.ie so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party\'s site.

By linking to boards.ie you hereby authorise Boards.ie to link to any website owned or controlled by you.


11.3 Third Party Content

The inclusion of any content from other sites, either quoted directly or linked to ("Third Party Content") on boards.ie does not imply any affiliation or endorsement of such Third Party Content by Boards SoftwareLimited.

You understand that by using boards.ie you may be exposed to Third Party Content that is offensive, indecent or objectionable.

Because Boards.ie does not control third party sites, you agree that Boards SoftwareLimited is not responsible for any such Third Party Content and that this is the sole responsibility of the person from which such Third Party Content originated, and Boards.ie has no obligation to monitor such Third Party Content.

Notwithstanding the foregoing, Boards Software reserves the right, but shall have no obligation, to pre-screen, filter, remove, refuse to accept, post, display or transmit any Third Party Content in whole or part at any time for any reason or no reason with or without notice and with no liability of any kind.


  1. Intellectual property

All intellectual property rights in the website design, text, graphics, the selection and arrangement thereof and all software vest in Boards SoftwareLimited unless otherwise indicated. Boards Software reserves all of its rights.

The above does not include Materials which are the property of advertisers or users.

You acknowledge that all trademarks, trade names, service marks, rights (registered or unregistered) in any designs, applications for any of the foregoing; trade or business names; innovations, inventions whether or not capable of protection by patent or registration, registered design and topography rights; know-how, including data specifications, drawings and instructions; secret formulae and processes; rights protecting goodwill and reputation; database rights and rights under licences and consents in relation to such things, rights in the nature of unfair competition rights, and rights to sue for passing of and all rights or forms of protection of a similar nature to any of the foregoing or having equivalent effect anywhere in the world and all copyright, trademarks and other intellectual property rights in and relating to boards.ie (collectively "Intellectual Property") are solely owned by Boards Software Limited.

You may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, the Material at boards.ie without the written permission of Boards SoftwareLimited.


Advertising on boards.ie


  1. Advertising and Verified Representatives.

Boards.ie is a free service offered to our users and, as such, Boards.ie solely relies on revenue generated from advertisements served on the site to be financially sustainable and continue in business. Therefore, in agreeing to these Terms of Use you agree that Boards SoftwareLimited may serve advertisements on site or work with a third party to serve the advertisements, including personalised ads, and may implement anonymised site analytics functionality on the site. Advertisements placed on boards.ie may include but are not limited to banner ads, paid links, pop-up windows, buttons and sponsorships. These advertisements use "non personally identifiable information". They do not use personal data about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. For further information, please see our Cookie Policy.

You agree that Boards SoftwareLimited has the right to run such advertisements and promotions on boards.ie.


13.1 For users:

Boards.ie does not control services which are supplied by third parties and the inclusion of advertising or sponsorship does not imply endorsement or recommendation of the third party by us or any association with that third party. Advertisers and sponsors are responsible for ensuring that Material complies with international and national law. Boards SoftwareLimited does not give any warranty, guarantee nor make any representation regarding any advertisement or any merchandise, product or service offered or provided by third party companies advertising or interacting on boards.ie.

You may report any advertisement or content you feel is unsuitable for boards.ie to us, on the understanding that its removal is at our sole discretion.

You can choose to opt in or opt out of the serving of personalised advertisements on boards.ie, however you cannot opt out of the serving of non-personalised ads. To change your preferences regarding personalised ads please go to http://www.youronlinec...m/ie/your-ad-choices. Please note that these changes will apply not just to boards.ie but to other sites you may also visit.

Your correspondence or business dealing with, or participation in promotions of, advertisers or third parties found on or through boards.ie, including payment for and delivery of related goods or services, and any other representations associated with such dealings, are solely between you and such advertiser or third party.

You agree that Boards SoftwareLimited shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers or third parties on boards.ie.




13.2 Commercial Activity, Verified Representatives and "Talk to..." Forums:

You must seek permission from Boards SoftwareLimited before carrying out any commercial activity on boards.ie. Any person or company attempting to advertise or otherwise promote themselves who has not been authorised by us will have their user accounts banned and their posts deleted. By using boards.ie for any commercial activity you agree to the following additional terms.

Boards.ie provides a platform for commercial representatives ("Verified Representatives") to engage with users on boards.ie. We allow authorised Verified Representatives to post relevant, appropriate content to our forums or blog on the understanding that we make no guarantee of traffic, engagement and/or uptake by Boards.ie users. We reserve the right to choose whom we allow to take part.

All content posted by Verified Representatives must be in compliance with these Terms of Use and our guidelines. The charter of each forum must also be followed in relation to the type of content and level of commercial interaction which is acceptable there. The charter will be displayed prominently in the relevant forum.

We reserve the right to remove any Material that contravenes these Terms of Use, our guidelines, other boards.ie rules or forum charters.

By becoming a Verified Representative, you agree that:

  1. You are responsible for your presence on boards.ie, for your adherence to the rules and guidelines on boards.ie and for the content you post. Boards SoftwareLimited is not responsible for the content posted by Verified Representatives
  2. You are subject to the rules of boards.ie (including these Terms of Use) as well as the forum charters and boards.ie guidelines. Your presence as an advertiser or Verified Representative does not grant you any privileges to break rules in the forums.
  3. You will use the personal information you receive from boards.ie users only for the purpose of answering a question, resolving an issue or other specified action. Under no circumstances will you use this data for any marketing activity without the express permission of the boards.ie user.
  4. You will make it clear to users what user data you are going to use and how you will use, display, or share that data.
  5. You will delete all user data you received from boards.ie if we disable your account or ask you to do so
  6. You will provide customer support. You will make it easy for users to contact you. You will deal with any questions or issues on thread where appropriate. You will not try to evade answering reasonable queries. We can also share your email address with users if appropriate, and with your prior consent
  7. You will not show ads on your boards.ie presence except with the prior permission of Boards Software Limited
  8. You will not misrepresent your relationship with boards.ie to others.
  9. You may use the logos we make or issue a press release or other public statement relating to your use of boards.ie only with the prior written permission of Boards.ie
  10. Boards SoftwareLimited can issue a press release describing our relationship with you.
  11. Boards SoftwareLimited can measure your content, data and interaction on Boards.ie for any purpose, including commercial (such as for case studies and presentations).
  12. For all enquiries about advertising or commercial activity on boards.ie, please contact hello@boards.ie 


Rights of Boards.ie


Our rights and responsibilities


14.1 Liability and accuracy:

Boards Software Limited does not give any warranty or make any representation as to the accuracy or completeness of the information contained on boards.ie. Material posted on boards.ie is not intended to amount to advice on which reliance should be placed. Boards SoftwareLimited therefore disclaims all liability and responsibility arising from any reliance placed on such Material by any user, or by anyone who may be informed of any of its contents. Although rigorous protocols are applied to boards.ie we do not make any warranty that boards.ie is free from infection by viruses or anything else that has contaminating or disruptive properties. Under no circumstances shall we be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in electricity or other utility supply.

  1. Boards SoftwareLimited does not give any warranty or make any representation as to the identity of any user on boards.ie. Any use of, or reliance placed on, any content or Materials posted to boards.ie by any user, or obtained by you through boards.ie, is at your own risk.
  2. Boards.ie may offer Verified Representative Accounts to individuals that represent organisations. We may obtain certain documentation to reasonably establish authenticity and to satisfy ourselves of these individuals\' identity and authority to represent organisations. We do not give any warranty or make any representation that Verified Representatives express the views or opinions of the organisations which they represent. Users who purport to represent organisations, but do not have a Verified Representative account are operating outside of these Terms of Use and have not attempted to establish their authenticity with us.
  3. Users of boards.ie should satisfy themselves as to the accuracy, completeness and reliability of the information contained on boards.ie and, where applicable, as to the identity of other users.
  4. Under no conditions and in no event shall Boards SoftwareLimited be liable for any direct or indirect, incidental, consequential, special or exemplary damages or loss howsoever arising, (including but not limited to negligence or breach of these Terms of Use or otherwise) or for any loss of data, profit, revenue, goodwill or business howsoever caused even if that loss or damage was foreseeable by us, or the possibility of it was brought to our attention.

  5. 14.2 Users:
  6. Boards SoftwareLimited may at its sole discretion for any reason (i) disable or deactivate your account, block your email or IP address, or otherwise terminate your access to or use of boards.ie, (ii) remove and discard any posts or Material within any thread or anywhere on boards.ie or (iii) shut down a discussion, thread or forum that you are involved in, with or without notice, and with no liability of any kind to you.

  • 14.3 Availability of service:
  • Boards SoftwareLimited may at its sole discretion and at any time, discontinue temporarily or permanently providing boards.ie, or any part thereof, with or without notice.
  • You agree that any termination of access to boards.ie under any provision of these Terms of Use may be effected without notice, and acknowledge and agree that Boards SoftwareLimited may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or boards.ie.
  • Boards.ie may be temporarily unavailable from time to time for maintenance or other reasons. We accept no responsibility for any error, omission, interruption, deletion, defect, delay in transmission, communication line failure, theft or destruction or unauthorized access to, or alteration of user communications.
  • Where possible, we will use reasonable efforts to give users fair notice of technical difficulties or termination or suspension of their access to boards.ie. However you agree that Boards SoftwareLimited shall not be liable to you or any third party for any inability to access boards.ie, termination or suspension of access to boards.ie or modification of the service provided by boards.ie.

  • 14.4 Indemnity and waiver
  • You agree to indemnify, defend (at the request of Boards SoftwareLimited), and hold harmless Boards SoftwareLimited our investors, successors, assigns, subsidiaries, affiliates, co-branders, contractors, employees, servants, moderators, third-party advertisers, technology providers, service providers or other partners, and each of their respective officers, directors, agents, shareholders, employees and representatives, from and against any third party claim, demand, loss, damage, cost, or liability including reasonable legal expenses, made or brought by any third party due to or arising out of:
  • Your use of boards.ie or any part thereof
  • The violation of these Terms of Use, our Privacy Statement, our guidelines by you
  • The infringement or misappropriation by you, or a third party using your computer, of any account or password to access and/or use boards.ie
  • The infringement of any intellectual property rights of any person or entity

You acknowledge that your use of boards.ie including any material downloaded or otherwise obtained through boards.ie is at your own discretion and risk and you agree to waive any right to bring any claim or action against Boards SoftwareLimited, our investors, successors, assignees, subsidiaries, affiliates, co-branders, contractors, employees, servants, third-party advertisers, technology providers, service providers or other partners, and each of their respective officers, directors, agents, shareholders, employees and representatives for any loss, damage, costs or injury arising from such use.


15. Entire agreement

These Terms of Use and our Privacy Notice make up the entire agreement between you and Boards.ie and Boards SoftwareLimited and supersede any prior agreement.


16. No partnerships/joint ventures

Nothing in these Terms of Use, our Privacy Statement and/or our Comments Policy shall be construed as forming a partnership or joint venture with you. No third party shall have the right or ability to create any obligation on our behalf.


17. Governing law

The agreement shall be governed by Irish law and you consent to the exclusive jurisdiction of the Irish courts in all matters regarding this agreement and your use of boards.ie.


18. Severability

If any provision of these Terms of Use is found to be void, invalid or unenforceable the remaining provisions will continue to be of full force and effect.


19. No waiver

Any amendment to or waiver of these Terms of Use must be in writing and signed by an authorised representative of Boards SoftwareLimited. Failure to enforce any provision of these Terms of Use shall not amount to a waiver of such provision.


21. Additional information

These Terms of Use should be read in conjunction with the Boards.ie Privacy Notice and Cookie Policy.


22. Contacting Boards.ie

You can contact us in relation to these Terms of Use in the following ways:

Using our contact page: Contact pageEmail: hello@boards.ie

By post: Boards.ie Limited, 4th Floor, Latin Hall, Golden Lane, Dublin 8

We welcome your feedback on this document and thank you for using Boards.ie!

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