Terms of Use

These Terms of Use govern your access to and use of the Emerald Ledger Ireland website (the "Site"), operated by Emerald Ledger Ltd., registered in Ireland with its registered office at 24 Fitzwilliam Square, Dublin 2, D02 XK58, Ireland (Company No. 712345).

1. Purpose of the Site

The Site provides educational content about financial literacy, budgeting, saving, and financial planning for individuals in Ireland. All content is for general informational purposes only and does not constitute financial, tax, legal, or investment advice.

2. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site immediately.

3. No Professional Advice

Emerald Ledger is an educational platform, not a regulated financial adviser, broker, or tax consultant. You should consult qualified professionals before making financial decisions. We make no guarantees regarding outcomes from applying information found on the Site.

4. Intellectual Property

All text, graphics, worksheets, logos, and other materials on the Site are owned by or licensed to Emerald Ledger Ltd. You may download worksheets for personal, non-commercial use. Reproduction, distribution, or modification for commercial purposes without written consent is prohibited.

5. User Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of applicable Irish or EU law
• Attempt to gain unauthorised access to our systems or other users' data
• Transmit malware, spam, or harmful code through contact forms or other channels
• Misrepresent your identity when contacting us or requesting resources

6. Third-Party Links

The Site may link to external websites (e.g. Revenue, CCPC, Citizens Information). We are not responsible for the content, accuracy, or privacy practices of third-party sites.

7. Disclaimer of Warranties

The Site and its content are provided "as is" without warranties of any kind. While we strive for accuracy, financial rules and rates change. We do not warrant that information is complete, current, or error-free.

8. Limitation of Liability

To the fullest extent permitted by Irish law, Emerald Ledger Ltd. shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content.

9. Governing Law

These Terms are governed by the laws of Ireland. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ireland.

10. Changes to Terms

We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance. The "Last updated" date at the top reflects the most recent revision.

11. Contact

Questions about these Terms: [email protected] or Emerald Ledger Ltd., 24 Fitzwilliam Square, Dublin 2, Ireland.