Online Terms & Conditions - Claddagh Credit Union Ltd. - Galway

1. These Terms

1.1. CU Online+ and the Online Services are only made available to you in respect of Irish Accounts you have with us and which you have registered for CU Online.

1.2. We provide and make available, and you use and access, CU Online+ and the Online Services subject to these Terms. By clicking the “I accept” icon in respect of these Terms (or fulfilling another form of process designated by us), you are agreeing to fully accept and comply with the Terms and Conditions set out below, and You are also agreeing to comply fully with the conditions for use for Claddagh Credit Union Limited.

1.3. None of these Terms will be interpreted so as to deprive you of any rights you have under mandatory Irish law.

2. Your Online Account

2.1. To access and use CU Online+ and the Online Services, you must:

(a) have an active Account with us in your name and be the beneficial owner of the monies in the account (not holding it in trust for on behalf of anyone else);
(b) have successfully registered for CU Online;
(c) have successfully been given an Online Account;
(d) be 16years of age or older with an active senior account; and
(e) complete any other procedure we require –we can, for instance, require you to follow a procedure to register and use a particular Online Service.

2.2. You must provide accurate and complete information when registering with us. It is your responsibility to update your Online Account with any changes to your information.

2.3. You must use the Username and Password created by you and PIN given to you as a part of the registration process, and any other security device we give you, to access your Online Account and use CU Online +and the Online Services. We can reject, revoke, replace or reissue Passwords, Usernames or PINs or restrict your choice of any of them.

2.4. The Credit Union can accept, refuse or revoke any registration for CU Online, and/or your Online Account, from time to time.

2.5.If you have a joint Account: For the purposes of CU Online +usage and online services, we will act on instructions received from either member. Members with joint accounts should ensure they have a mandate set up with equal operating instructions on their Credit Union account.

2.6. If your Account is maintained in joint names, each person in whose name the account is held is jointly and severally liable for any debits or other sums due on your Account.

3. Security

3.1. You must keep your PIN, Password, Username and memorable word, and any other security device we give you, safe and secure. You must not disclose them to any other person and must take all reasonable precautions to prevent unauthorised or fraudulent use of them on your Online Account. If you think any of them have become known to anyone else, you must tell us immediately.

3.2. For your continued data security, we recommend you to always log out of CUOnline+ when not using the service.”.

3.3. The use of the Internet, by its nature, is not always secure. As a result, while we have reasonable IT security measures in place, we cannot guarantee the security or privacy of communications made over the Internet including any related to CU Online, the Online Services or your Online Account.

3.4. You are responsible for providing all you require to safely and properly access and use CU Online +and the Online Services including a computer, an Internet connection and security software.

4. Instructions

4.1. You are responsible for all instructions given through your Online Account. If your Account is held in joint names, either person may issue instructions in respect of your Account through their own Online Account.

4.2. We rely on any instruction issued through your Online Account as being an accurate, binding and final instruction coming from you to undertake a particular online service, including but not limited to crediting or debiting an account or any other transaction. We are not obliged to check your mandate before processing a transaction. If we are requested, to modify or cancel an instruction and it is feasible to do so, we will use our best endeavours to facilitate although we are not in any way obliged to do so.

4.3. You must ensure that all instructions are accurate and complete and, where appropriate, correctly identify the amount and details of the account to which any amount is to be credited or debited or any other details relevant to the transaction.

4.4. There may be a security process which must be followed for certain types of transactions while in other cases there is no security process. We choose whether or not there is one. If there is no security process, we may not (and don’t have to) make any further enquiry to authenticate the transaction. Where there is a security process, once this has been completed we may not (and don’t have to) make any further authentication or enquiry.

4.5. If you give us an instruction within our opening hours of 10.30am to3.30pm on a Business Day and, if applicable, by any earlier cut off time for that type of transaction, we treat the instruction as having been made on that Business Day. If you give us an instruction outside our operating hours or after any cut off time which is applicable, we treat the instruction as having been made on the next Business Day starting at 10.30am.

4.6. We can, though we don’t have to, record all communications and instructions from you to us and all messages from us to you. This is so that we can keep an accurate record of your instructions, as well as for quality, regulatory and training purposes.

4.7. You agree not to use the terms of any other agreement between us (save as provided for under clause 1.3) in relation to your Account to withdraw or contest the validity of any instructions issued through your Online Account.

5. Transactions on the Account

5.1. You authorise us to accept and act on instructions made through your Online Account and to pay to and from your Account the amounts involved in relation to any transaction or action authenticated by the use of your Online Account and, if applicable, any security process we require you to follow.

5.2. All transactions using CU Online +are subject to acceptance and verification by us and, where applicable, our security processes. Any record of a transaction generated by your personal computer is for your convenience only, and is not binding on us.

5.3. If your instructions or the required information is incomplete, the transaction will not be processed. We are not responsible or liable for any consequence of this. If the wrong details are entered by you, we will equally not be liable for any loss.

5.4. All transactions on your Account are subject to the balance on the Account having sufficient cleared and available funds to complete the transaction. You may not create an unauthorised overdraft or exceed an approved limit on your Account.

5.5. You are liable for all debits or other sums due on your Account (including if you breach any of these Terms), even if you instruct us to pay money into the wrong account.

5.6. All payments made by us at the debit of any Account are valid and binding upon you and, in the case of your death or incapacity, your estate or legal representative if made prior to the receipt by us of written notice of such death or incapacity.

5.7. We may refuse or fail to process a transaction if required to do so by law or where otherwise permitted by these Terms.

6. Transaction Cut Off Times, Standard Timelines and Financial Limits

6.1. The cut off times for receipt of instructions are available on our website or in any of our branches.

6.2 Upon receipt of complete instruction for a transaction, we will process the transaction instructions within our standard timelines. Our standard timelines are available on our website at We do not control the timing of payment to any destination account –this is controlled by the relevant financial institution at which the destination account is held. Foreign payments may also be subject to other delays outside our control.

6.3. There are maximum amounts which you may transfer or pay during specific periods and in respect of specific types of transactions full details of which are set out on our website

6.4. We can change any cut off times, standard timelines and maximum amounts from time to time in which case any revisions will be published at the same link –we may not give you advance notice of such changes but we will endeavour to ensure they will be available at the relevant link at the time of your instruction.

7. Cancelling Direct Debits and Standing Orders

7.1. If you want to cancel a direct debit or a standing order, you must instruct us to do so at least five full Business Days before the payment is due to be made. If you do not instruct us by then, the payment may be made and you will be responsible for any consequent debit from your Account.

8. Account Information

8.1. We will make reasonable efforts to ensure the information provided via CU Online +is accurate and complete. However, you may not take this information as a conclusive statement of the balance, or any other information, pertaining to your Account. You should contact us directly to receive this information.

8.2. The balance of an Account quoted on CU Online +may be the balance at close of the previous Business Day and the balance may not have been adjusted to include transactions processed since the end of that Business Day. Balances will not reflect transactions completed on-line immediately.

8.3. We will not pay compensation or damage for any loss or expense incurred as a result of inaccuracies in information provided through CU Online+ or the Online Services.

9. Loans

9.1 We can make information in relation to applications for loans and the terms on which credit are generally available from us. While you can submit a loan application through CU Online, you must attend in person at our local branch in order to obtain a loan and the specific terms which may apply will be determined at that or a later point.

10. Charges

10.1. We currently do not charge for access to and use of CU Online+ but may do so in the future. We will notify you in advance before introducing any such charges in accordance with clause 16 and details of the said charges will be recorded on our webpage If and when such charges are introduced, they will be debited from your Account in order to progress the transaction. We can change these charges from time to time. If we do so, we will follow any applicable legal requirements at that time before introducing them

11. Data Protection

11.1. For information in relation to how we collect personal information about you, how we use it and how you can interact with us about it please refer to our Privacy Policy and Privacy Notice both available online at

12. Termination

12.1. We may terminate these Terms and/or your Online Account at any time e.g. in the event of death, incapacity, solvency issues, non-use of service, law, reckless use etc. You may terminate these Terms at any time by terminating your Online Account. In either case, this will not affect your Account or any outstanding liabilities on your Account.

12.2. These Terms do not have a minimum or finite duration and will continue to be binding on both you and us until they are terminated.

12.3. We reserve the right to process or cancel any transactions in progress on termination of these Terms or on suspension or withdrawal of the Online Services or your Online Account.

12.4. We are not responsible for any loss you may incur as a result of any transaction being or not being processed or cancelled as part of the Online Services upon or after termination of these Terms or suspension or withdrawal of the Online Services or your Online Account.12.5. The termination of these Terms does not affect any accrued rights or liabilities of either party or any provisions of these Terms which are intended to survive or commence after termination.

13. Liability

13.1 We make reasonable efforts to keep CU Online +and the Online Services available. However, we do not guarantee that they will be fault-free, error-free, available 100% of the time, free of degradation or free of other problems.

13.2 You are liable to us for any loss, damage or harm suffered or incurred by us as a result of your negligent, deliberate or reckless breach of these Terms.

13.3 We are not liable to you for (i) any loss of business, income, revenue or profits; (ii) any loss or corruption of data; (iii) any corruption or damage to equipment; or (iv) any loss or damage which was not foreseeable to both you and us. If we have any liability to you, it is in all cases limited in aggregate to one thousand euro (€1,000) only (except in the case of death or personal injury). We will not be liable for any increased costs arising or consequential loss of any kind.

14. Confidentiality

14.1. You must use reasonable endeavours to keep our confidential information safe and secure. Personal data held by SACU for the operation of CUonline will be governed by the terms of our Privacy Statement & Privacy Notice both available online

15. Changes to CU Online

15.1. We may, from time to time, stop providing or change certain or all of the Online Services or CU Online+ or the way in which you access or use them. We do not have to give you advance notice of any such changes, but will notify you of them.

16. Changes to the Terms

16.1. We can amend these Terms at any time by giving at least 28 days advance notice, except where an amendment must be made sooner than that to comply with applicable law or security/system requirements. We will post a notice of any amendment on our website.

16.2. If you do not agree to the amendment, you may exercise your right to terminate in accordance with clause 12.1. If you do not do so, you will be deemed to have accepted the variation as of the published effective date of the change.

17. Suspension

17.1. We may suspend or withdraw access to and use of CU Online+ and the Online Services (in whole or in part) if there is a breakdown, fault or malfunction of, or connected to, any system or software used in connection with them, or where there is a real or potential security risk or for any other reason whatever we feel justifies doing so. We are not liable to you for any suspension or termination of CU Online +or the Online Services.

17.2. We secure the right to suspend the service to carry out routine maintenance. We will endeavour to limit this suspension as far as possible and we will provide you with notice as far as is practical.

18. Events Beyond our Control

18.1. We are not in breach of these Terms or liable to you if there is any total or partial failure of performance of any of our duties and obligations resulting from any act or matter beyond our reasonable control. This may include where such results from any act of God, fire, act of government or state, war, civil commotion, insurrection, embargo, inability to communicate with third parties for whatever reason, failure of any computer dealing or settlement system, failure of or delay in the transmission of communications, prevention from or hindrance in obtaining any energy or other supplies, labour disputes of whatever nature, late or mistaken payment by an agent or any other reason (whether or not similar in kind to any of the above) beyond our reasonable control.

19. Notices

19.1. You must send any formal notice under these Terms to us by sending it in writing to our postal address, namely: Claddagh Credit Union, 8-9 Mainguard Street, Galway

19.2. We must send any formal notice under these Terms to you by sending it in writing to the postal or email address for your Account or in the manner otherwise provided for under these Terms or by such other means as it is reasonable efficacious and lawful.

19.3. We may contact you by post, phone or email address supplied or in person as is efficient and lawful.

20. Severability

20.1. If, at any time, any provision of these Terms is or becomes illegal, invalid or unenforceable, that shall not affect or impair the legality, validity or enforceability of the remainder of these Terms (including the remainder of a provision where only part of it is or has become illegal, invalid or unenforceable).

21. Waiver

21.1. The exercise by us of any of our rights under these Terms is without prejudice to any of our other rights and remedies. The provisions of these Terms may only be waived by either of us in writing by express reference to the provision in question. No delay, neglect or forbearance on the part of either of us in enforcing any provision of these Terms is a waiver, or in any way prejudices any right of either of us under these Terms. A waiver by either of us of any breach of any of the provisions of these Terms does not constitute a general waiver of such provision or of any subsequent act contrary to it.

22. Transfers

22.1. Your Online Account is personal to you and you may only obtain an Online Account on your own behalf.

22.2. We may assign, transfer or otherwise dispose of all or any of our rights or obligations under these Terms, in whole or in part, by prior notice to you, provided that in doing so we do not materially prejudice your interests under these Terms.

23. Compliance with Law

23.1 We can take whatever action we consider appropriate to meet our legal obligations anywhere in the world relating to the prevention of fraud, money laundering or terrorism and to the provision of financial and other services to persons who may be subject to sanctions. If this results in a delay or failure to process instructions, we are not liable for any resulting loss, damage or other liability suffered by you or any third party.

24. Entire Agreement

24.1 Subject to clause 1.3, the Terms represents the entire understanding of the parties concerning their subject matter and override and supersede all prior agreements concerning it (whether written, oral or implied) which are hereby revoked by our mutual consent. Neither of us has relied upon, or has any remedies in respect of, any representations, terms or conditions except those set out in these Terms. This does not exclude any liability for fraud and/or fraudulent misrepresentations.

25. Governing Law

25.1. The laws of Ireland apply to the Terms (and any matter or dispute arising out of or in connection with them) and the courts of Ireland have jurisdiction in connection with the Terms and all such matters and disputes.

26. Improper use of our website

26.1. You may not use the website in any manner that could damage, disable, overburden, or impair it, its server, or the network (s) connected to the server, or interfere with any other party’s use and enjoyment of the website and services on it.

26.2. You may not attempt to gain unauthorized access to any services, parts of the website, other accounts, computer systems or networks connected to any server through hacking, password mining or any other means.

26.3. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you.26.4. Illegal and/or unauthorized use of the website or services on it will be investigated and appropriate legal action will be taken.

27. Making A Complaint

27.1. To make a complaint please use the contact form on our website

28. Definitions and Interpretation
28.1 The masculine gender includes the feminine and neuter and the singular number include the plural and vice versa and words importing persons include firms or companies. The section headings to the provisions are inserted for convenience of reference only and are not a part of, and do not or affect the construction or interpretation of, the Terms.

28.2 The following expressions have the meanings given to them below:

Account means a euro account maintained by you (whether in sole or joint names) with us.

Business Day means a day on which we are open for general business.

CUOnline+ means the online system made available by us through our website for, broadly speaking, approximately 24 hours a day (subject to these Terms) to enable you to access and use the Online Services.

Memorable Word means a word created by you, the member, to be used to reset your pin or password on CU Online+.

Password means the password number given to you as a part of the registration process for CU Online +and which you need to access your Online Account, CU Online +and the Online Services .

PIN means the personal identification number given to you as a part of the registration process for CU Online +and which you need to access your Online Account, CU Online +and the Online Services.

Privacy Statement means the document we call our “Privacy Notice” which is available on our website

Online Account means the online user account given to you so that you can access and use the Online Services through CU Online +and which is accessed in accordance with your PIN, Password and Username -the Online Account is not a credit union financial account but rather is a user account for accessing CU Online.

Online Services means the services which we may provide and make available from CU Online +from time to time, at our discretion, to you through your Online Account which may include allowing you to:
(a) access information on an Account, including the balance of, and details of recent transactions on, the Account;
(b) print statements on an Account;
(c) make a funds transfer by debiting your Account and crediting another account designated by you;
(d) make a bill payment by debiting your Account and crediting another account designated by you;
(e) make a lodgement transfer by crediting your Account and debiting another account designated by you;
(f) apply for information regarding personal loan facilities and apply for loans;
(g) access balance and other statement information in relation to other services we provide to you; and/or
(h) provide a means of communicating with us. “Username” means the username for your Online Account which is given to you as a part of the registration process for CU Online +and which you need to access your Online Account, CU Online +and the Online Services. Terms means the terms and conditions which are set out in this document, and such other terms and conditions as may be added to or substituted for them from time to time pursuant to these Terms. “we” means Claddagh Credit Union, 8-9 Mainguard Street, Galway and cognate terms are construed accordingly.
WebsiteTerms” means the document we call our “Website Terms” (or similar) which is published on our website from time to time.

you” means you in your capacity as the holder of an Account with us (and includes, as the context admits or requires, any person using your Online Account and/or your personal representatives and successors).

If you would like more information please contact us today.

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