Killarney Credit Union

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Beech Road

064 KillarneyCU6631344

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Park Road

064 KillarneyCU6631344

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Kenmare

064 KillarneyCU6631344

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Killarney Credit Union

Insurance

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Terms and Conditions

Access to this website and the use of information contained on it is governed by the terms and conditions set out below. These terms and conditions are important and are for the protection of both you and Killarney Credit Union Limited. Please take the time to read the terms and conditions carefully. By accessing and using the site you will be deemed to have accepted these terms and conditions. If you do not agree to be bound by these terms and conditions, you may not continue to access and use this website or any of the features hereon.

The Credit Union reserves the right to amend these terms and conditions without notice to you. It is your responsibility, and a fundamental requirement to use this website, to regularly read these terms and conditions carefully and to inform yourself of any amendments.

 

1.  Killarney Credit Union Details

We are Killarney Credit Union Limited or registered address: Beech Road, Killarney, Co. Kerry. We are regulated by the Central Bank of Ireland. We own and operate this website, and provide some of the services of our Credit Union on and through it.

 

 

2.  These Terms

We provide and make available and you use and access, the website and services on it subject to these Terms, the Privacy Statement, our Cookies Policy and where you register to use our services, our CU Online Terms and Conditions. If you do not agree to these Terms please do not use the website.

By browsing the website, registering for CU Online or accessing or using CU Online or the Online Service, you agree to be bound by these Terms.

If you register for CU Online or access or use CU Online or the Online Service, you agree to also be bound by the CU Online Terms also.

These Terms are separate and supplemental to any other agreement between you and us in relation, for instance, to

(i) any of your Accounts with us;

(ii) any loan taken out by you from us; and

(iii) our CU Online Terms; and

(iv) our Privacy Statement, all of which you are also bound by where applicable. Your access and use of the website is always subject to these Terms.

We reserve the right to vary these Terms at any time. If we do so, the updated terms will be posted on the Terms page when the alteration is made. By using the website after that, you agree to these revised Terms.

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

 

3.  Website use

This website and all services on it are provided from Ireland. We do not represent that information or services on it are suitable for use or access from outside of Ireland.

You can use the website for your personal use only.

Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the website or any services on it without notice. We are not liable if for any reason our website or any services on it are unavailable at any time or for any period.

We can restrict access to some parts of our website or services on it, or our entire website, to users who have successfully registered with us for relevant services.

You are responsible for making all arrangements necessary for you to have access to our website.

We may restrict you from linking to our website if we consider that a link is prejudicial to our interests. You may link to the Website 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.

While we may take precautions against security breaches, no website or Internet transmission is completely secure, and as such, you acknowledge that neither we nor third parties connected to us shall be liable for damages, costs or losses, that may result from interruption or interception of communications or unauthorized access or hacking. We cannot guarantee the privacy and security of such communications.

 

4.  Information Purposes Only

The content of the website is provided for information purposes only, is subject to change and will be updated from time to time without notice to you and is not intended to amount to advice on which reliance should be place. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by the visitor to the website or by anyone who may be informed of any of their contents.

Websites may be tampered with by unauthorised persons and, accordingly, you should view the information provided as indicative only and subject to confirmation by us.

 

5.  Intellectual Property

We are the owner or the licensee of all intellectual property rights in the website, its content and the Online Services, including the website’s “look and feel” (collectively the “Content”). The Content is protected by copyright laws and other intellectual property laws (including laws related to trade marks, designs, data base rights, sui generis rights and other proprietary rights). All such rights are reserved.

You may not make alterations, copies, extractions, modifications, or additions to the Content, or sell, copy, distribute, disseminate or licence it, or misuse the Content in any way. If you want to re-publish, extract, reproduce, disseminate or otherwise use the Content, you must contact us in advance for written permission except if otherwise expressly provided in these Terms. This is without prejudice to any rights you may have under applicable mandatory law.

If you breach of either of clauses 5.1 or 5.2, your right to use our website, CU Online and the Online Services ceases immediately.

 

6.  Third Party Websites

You may link to other websites from this website. The linked websites are not under our control and we are not responsible for the contents or actions of any linked site or any link contained in a linked site, or any changes or updates to such websites.

The inclusion of any link does not imply endorsement by us of any website. Your use of third party websites is subject to the terms and conditions of use and privacy policy contained within each of those websites. We may terminate a link to a third party website at any time.

 

7.  Improper use of our website

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.

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.

You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you.

Illegal and/or unauthorized use of the website or services on it will be investigated and appropriate legal action will be taken.

 

8.  Data Protection

We process information about you in accordance with our Privacy Statement which is available on our website. By using our website, you consent to such processing and you confirm that all data provided by you is accurate and up-to-date.

 

9.  Liability

Use of this website is entirely at your own risk and you assume full responsibility and risk of loss resulting from the use of, viewing, access to, relying on or downloading from the website and/or Content.

You agree that we are not liable for loss or damages arising out of your use, or your inability to use this, website or any services through it. This website and Content on it is provided on an “as is” basis and we make no undertaking, representation or warranty:

  • regarding the completeness or accuracy, reliability or timeliness of any of the website or Content;
  • that this website, its server or the Content is free from defects, errors, viruses, bugs or other harmful elements;
  • in relation to availability and/or uninterrupted use of the website or Content.

and we expressly disclaim all such warranties, representations and undertakings.

We are not liable to you for (i) any loss of income, business, 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.

The Credit Union hereby disclaims all liability for the content of such websites and for any damages arising from your use or access of such websites. Take notice; you use such links to such websites entirely at your own risk. 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.

Please note that the sending of personal information via e-mail over the internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.

 

10.  Events Beyond our Control

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.

 

11.  Notices

You must send any formal notice under these Terms to us by sending it in writing to our postal address, namely:

Beech Road, Killarney, Co. Kerry.

 

12.  Severability

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).

 

13.  Waiver

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 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.

 

14.  Transfers

These Terms are personal to you and may not be transferred or assigned to anyone else.

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.

 

15.  Entire Agreement

Subject to clause 2.4, these 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.

 

16.  Governing Law

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.

 

17.  Definitions

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.

The “Terms” means the terms and conditions 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. “You” means the person accessing or using the website. Otherwise, “we” and any capitalised terms which are not defined in these Terms have the meaning given to them in the CU Online Terms.

Data Protection Notice

How we collect data about you

We collect personal information from you at various stages for example when you open an account, lodge or withdraw, apply for a loan, insurance services, use online banking services or look for advice on products or services. We also collect information from others such as the Irish Credit Bureau (ICB) or the Consumer Credit Union Register (CCR) or through our website, apps, social media sites, discussion forums, CCTV footage.

 

How we use information

We use this information to:

Make recommendations about the products or services you hold with us.

Decide what products or services may be suitable for you.

Make decisions based on the information provided by you.

Decide on how we deliver member information to you.

We may use other companies and individuals to work on our behalf to give us information to help us make decisions. For example, analyse data, collect debts, process information, or conduct market research. We have signed agreements with all third parties to whom we give information to be registered a data processor and keep all member information confidential.

 

How you can interact with us

We try and make sure that the information we have about you in accurate and up to date. Sometimes, we may ask you to verify information to check if it is still accurate. If your information is inaccurate and not current please let us know and we can change it. Members are encouraged to update their details should their email, phone number and address details, this is particularly important for the online access service. Data held that is in excess of requirements if volunteered, can be deleted and also if no longer necessary. Data should not be held for longer than is necessary for the purpose(s) for which they were obtained.

 

Consent to Use and Disclosure

Under the Data Protection Acts, 1998 and 2003 (the DPA), the Credit Union Act 1997 (as amended) and the new General Data Protection Regulations. I hereby consent to Killarney Credit Union Limited to processing personal data that it may in its possession concerning me (including disclosure to third parties). I note that this data may include sensitive personal data, such as information about my  health, and credit rating, within the meaning of the legislation, the processing of which requires my explicit consent.

For the purpose of assessing my application for membership, assessing my loan application, applications for new products or services which I may make to you and also for the general administration and monitoring of any accounts I have with Killarney Credit Union, that I give consent.

Under the Data Protection Acts, you have the right to see personal information that we hold on you. You can obtain this in writing to the Data Protection Officer, Killarney Credit Union, Beech Road, Killarney and enclosing the appropriate fee (currently €6.35). If at any time you decide that you no longer wish us to hold the personal information provided, or in the case that the information changes or becomes inaccurate, you should notify us by phone, email or post using the contact details on the site and we will remove or rectify the information as soon as practicable and in any event within 40 days of a request being received.

Online Access

Online access is undergoing an essential IT upgrade which will require members to reregister for online access.  A new online area will rolled out in the coming weeks providing  greater functionality and access to your account. To pre-register for CU Online please insert your email and you will be notified when the new CU Online is live and steps required to access your account.

 

School Savings Scheme

Killarney Credit Union operates a school savings scheme in a number of local national schools. A staff member regularly visits the school and collect money from students and lodges it to their accounts. 

At the start of the school year, a CU representative will visit the school and open accounts, you will be notified of what documentation is required.

You can at any time, come in and join your child up as a member of the credit union. Information on Childrens Account is here.

School Savings Scheme is operated in these schools:

Cullina
Fossa
Firies
Coolick
Kilcummin
Anabla
Tiernaboul
Lissivigeen
Presentation Monastery
Gaelscoil Faithleann
Loughquittane
St Olivers Ballycasheen
Realt na Mara, Tuosist
Bonane
Kilgarvan

Cookie Policy

Killarney Credit Union Limited (“we“, “our“, “us“) has the utmost respect for your right to privacy and is committed to protecting and respecting your privacy. This Cookies Policy (along with our Privacy Policy and Terms and Conditions sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we treat it.

At www.killarneycu.ie we use cookies in order to make the website easier to use, help determine how well our website is performing and to remember you when you return to our site. More information about the type of cookies that we use on www.killarneycu.ie can be found below.

What Are Cookies


A cookie is a block of data that a web server places on a user’s PC. Typically, it is used to ease navigation through the site. However, it is also a useful means of the website identifying the user, tracking the user’s path through the site, and identifying repeat visits to the site by the same user (or user machine). This can then lead to a website owner being able to profile an individual user’s habits.

The Use of Cookies


The Credit Union uses cookies to collect information about visitors’ use of the website, including things like connection speed, operating system details, the time and duration visits and IP addresses. The information collected by cookies enables the Credit Union to understand the use of its site, including the number of visitors it has, the pages viewed per session, time exposed to particular pages etc. This in turn helps to provide visitors with a better experience. The Credit Union will not attempt to personally identify visitors from their IP addresses.
Cookies do not in any way compromise the security of your computer. Visitors can use most of the features on this website with no loss of functionality if cookies are disabled from the web browser. However, some features, including our online banking system – CU Online, require cookies to be enabled in order for the service to function properly.

Which Cookies Do We Use


Following are the cookies we use on the website:

Name of Cookie Purpose of Cookie Reason for Use
__utma Google Analytics This cookie is used by Google Analytics to track of the number of times a visitor has been to the site pertaining to the cookie, when their first visit was, and when their last visit occurred. Google Analytics uses the information from this cookie to calculate things like new sessions/visits
__utmb Google Analytics These cookies work together to calculate how long a visit takes. __utmb takes a timestamp of the exact moment in time when a visitor enters a site, while __utmc takes a timestamp of the exact moment in time when a visitor leaves a site. __utmb expires at the end of the session. __utmc waits 30 minutes, and then it expires. __utmc has no way of knowing when a user closes their browser or leaves a website, so it waits 30 minutes for another pageview to happen, and if it doesn’t, it expires.
__utmz Google Analytics This cookie keeps track of where the visitor came from, what search engine you used, what link was clicked on, what keyword was used, and where they were in the world when you accessed a website. It expires in 15,768,000 seconds – or, in 6 months. This is how Google Analytics knows to whom and to what source / medium / keyword to assign the credit for a goal conversion or an e-commerce transaction.
__utmt Google Analytics This cookies is used to throttle the request rate for the service – limiting the collection of data on high traffic sites.
PHPSESSID Session cookie used for login bp2tv_cookie accepted Long lifespan cookie used to remember that somebody accepted the cookies notification.

The website uses Google Analytics to collect information about how visitors use the website. The Cookies used by this product collect information in an anonymous form and are used by many different websites. If you wish to opt out of being tracked by Google Analytics across all websites, please visit http://tools.google.com/dlpage/gaoptout

Managing Cookies Usage


You may refuse to accept or you may disable cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of the website or unable to avail of our services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the website.

To disable cookies on popular platforms;
Internet Explorer
1. Go to the ‘Tools’ menu
2. Click on ‘Internet Options’
3. Click the ‘Security’ tab
4. Highlight the ‘Internet’ zone (selected by default)
5. Select security level ‘High’ for this zone
6. Click on ‘OK’
Google Chrome
1. Click the Chrome menu button, a button of 3 bold horizontal lines located to the right of the browser toolbar.
2. Select Settings.
3. Click Show advanced settings
4. In the “Privacy” section, click the Content settings button.
5. In the “Cookies” section, click “Block Cookies by default”
Mozilla Firefox
1. Open the Edit menu and choose Preferences.
2. Under the Privacy & Security category, choose Cookies. (If no subcategories are visible, double-click the category to expand the list.)
3. Click the following radio button: Disable cookies
Netscape
1. Go to ‘Edit’ in the menu bar
2. Click on ‘Preferences’
3. Click on ‘Advanced’
4. Select the ‘Cookies’ field
5. Tick either ‘Warn Me Before Accepting a Cookie’ or ‘Disable Cookies’
6. Click on ‘OK’
Safari
1. Choose Safari > Preferences, and then click Privacy.
2. In the “Block cookies” section, specify if and when Safari should accept cookies from websites. To see an explanation of the options, click the Help button (question mark).
3. If you want to see which websites store cookies on your computer, click Details.
If you have any concerns about material which appears on the website, please contact us at any branch or This email address is being protected from spambots. You need JavaScript enabled to view it. or call us on 064 66 31344.

More information about cookies

Further information about cookies can be found on the following websites:

All About Cookies

Microsoft Cookies Guide

 

Contact Us

For more information about our use of cookies please feel free to contact us directly.

 

Loans Overview

Kenmare Credit Union , The Better Way To Borrow

You can really borrow for any purpose with Kenmare Credit Union. When you apply for a loan, you know you will be treated fairly. With free Loan Protection Insurance you will also have peace of mind.

Not only do we offer competitive interest rates, but we genuinely care about your social and financial well being and strive to ensure that:

  • Our loans are of benefit to you
  • You don’t overstretch your finances

 

Who do we provide loans for?

Our primary loan market is small to medium sized personal loans, typically between €200 and €15,000. Our maximum amount for new loans is currently €20,000. Typical loan purposes are:

  • Home Improvements and Repairs
  • Motor Vehicles and Motor Expenses
  • Holidays and Travel
  • Medical, Health and Funeral Expenses
  • Occasions (Christmas, Communions, Confirmations, Weddings)
  • Electrical and White Goods
  • Educational and Student Loans

APR

8.3%

Directors Link 2

This is Directors link 2

How to edit content

To edit content on this site:

1 - log-in using the log-in panel to the left of the page.

2 - Select the section you wish to edit using the menu at the top of the page.

3 - Click the 'edit' button at the top of of the section text, wait for the screen to load. You will now be in the editing window. Enter new text here and click 'save' when finished. Don't worry about the other settings on the page or formatting the text, just simple paragraphs will be fine - I will apply formatting later.

Note: it might be best to first write the text in Microsoft Word or something similar so you can use spell checking etc. - then once the text is ready you can just copy and paste it into the edit screen on the web site.

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Killarney Credit Union Junior Members

 

Have you met Rua yet?

 

He's our friendly new mascott! Come and find out more in our Junior Members section!

Great loan interest rates from as low as 

5.6%

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More Information

For more information about any of our services please feel free to contact us directly.  We will be happy to help in any way we can.

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Loans

Low cost loans

Competitive rates

Fast loan approval

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Killarney Credit Union Home Improvement Loans

Don't miss our great value home improvement loans at a special rate of 8% (8.3% APR).  Click here to find out more!

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Welcome To Killarney Credit Union

Here are a few quick links to help you find the information you need. You can access this menu at any time by clicking on the green grid icon in the top left corner of the screen.

 

Savings

Multiple options

Ease of access

Security & peace of mind

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Other Services

Foreign Exchange

Paypoint

Insurance Products

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