Terms of Business

This Terms of Business sets out the basis upon which Switcher Limited provides services to you, including details of our fees and charges for Mortgage services.

We are Switcher.ie, a trading name of Switcher Limited, a company incorporated in the Republic of Ireland (registration number 592342). Our registered office is 29 Holles Place, Dublin, D02 YY46.

Our contact details are available here.

By using our website, you agree to our Terms of Business

By using our website Switcher.ie, you agree to our Terms and Business and Privacy Policy. If you do not agree to our Terms of Business or Privacy Policy, you must not use our website.

You may also wish to read our Cookies Policy before using our website.

Governing law and jurisdiction

This Agreement is governed by and understood in accordance with the laws of the Republic of Ireland and both parties, therefore, accept any legal matters arising will be adjudicated solely in the courts of the Republic of Ireland.

Changes to our Terms of Business

Switcher Limited keeps its Terms of Business under regular review and places any updates on this web page. Our Terms of Business were last updated on 16th November 2021.

Mortgage Regulatory Status

Switcher Limited (C402187) is regulated by the Central Bank of Ireland as a Mortgage Credit Intermediary under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and as a Mortgage Intermediary under the Consumer Credit Act 1995. A copy of our statement of Authorised Status from the Central Bank of Ireland is available on request. Alternatively, the Central Bank of Ireland holds registers of regulated firms which can be viewed on their website www.centralbank.ie.

Statutory Codes for Mortgage Services

Switcher Limited is subject to and complies with the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards. These Codes offer protection to consumers and can be found on the Central Bank of Ireland website www.centralbank.ie.

Our services to you

Our website is for general information only. By providing this service we are not giving you any financial or other advice or recommendations in respect of any service or product on which you should rely.

Our website allows you to obtain information about products and services listed on this website or selected by us.

We are only providing information regarding suppliers and their services, and you are not contracting directly with us for the provision of those services

If required, we will support an enquiry, order or transaction between you and the suppliers of those products and services.

You are responsible for making all payments due to any supplier on the terms agreed for its services or otherwise, and we have no responsibility for payments to any supplier.

Our Mortgage Services

Switcher Limited offers an online comparison service in relation to mortgage and credit services available in the Irish Market. We also enable consumer referrals to a regulated Mortgage Broker for the provision of Mortgage Advice.

Switcher Limited, whilst regulated by the Central Bank of Ireland, is not a broker for regulated Insurance products or services. We do not provide advice to consumers. By using our service, you determine the most suitable options for you and consent to be contacted by our referral partners.

We do not have any Tied relationships with any financial institution. We do not guarantee nor make representations in regard to, and expressly disclaim responsibility for the financial security of the Financial Services Institutions and Providers referenced on our website.

How you use our services

You may use our website for your own personal and business purposes using a web browser and not for any other purposes.

You agree not to

  • use any automated software to view or access our website or services
  • use our website other than for your own personal use or business use
  • use our website for the purpose of obtaining, collecting or storing data or content from our website
  • attempt to copy our data our reverse engineer our processes
  • use the information for any illegal, immoral, fraudulent or dishonest purposes
  • reproduce or republish information, content or data on our website without our prior written consent

If you do not comply with these terms, your right to use our site will end immediately.

Disclaimer and liability

We do not guarantee that the website will operate continuously, without interruptions or be fault-free.

Our website is for residents of the Republic of Ireland only, the products and services listed may not be available or appropriate for use by those outside of the Republic of Ireland.

We will use reasonable care and skill to ensure that information provided is accurate. However, we obtain this information from third parties and we cannot provide any guarantees as to the quality, accuracy or completeness of the information provided.

Third parties

This website may contain links to third party products, services or websites. We have no control over the products, services or websites of these third parties and we do not guarantee or take responsibility for them.

This website may also contain advertising from third parties and we are not responsible for any misleading or inaccurate advertisements which are the sole responsibility of the advertiser.

If you are obtaining services via the supplier’s website, you must also read the relevant supplier’s own policy, agreement, and terms and conditions.

It is your responsibility to ensure that the services match your requirements and that you agree to the terms and conditions of any service before you apply for it.

We seek to ensure that we accurately pass on the information you have provided, however, we stress that it is your responsibility to check that your details are correct on your application form to the supplier.

Mortgage fees and charges

We do not charge a fee to consumers for the Mortgage services provided via our website.

We may receive a referral fee from a supplier when you click through to their website or purchase services from them.

Conflicts of interest

It is the policy of our firm to avoid conflicts of interest in providing Mortgage services to you. However, where an unavoidable conflict of interest arises, we will advise you of this before providing you with any service.

Complaints

We aim to provide an excellent standard of service, however, if you feel we may have not achieved this please let us know. We take all complaints seriously and use our best efforts to resolve these as quickly as possible.

We ask that you make any complaint relating to services provided by Switcher Limited preferably in writing however, verbal complaints are accepted. If you are dissatisfied with the service you receive from us, please contact complaints@switcher.ie.

Our written complaints procedure:

  1. A formal complaints procedure will start 5 working days from receipt of your complaint.
  2. A written update will be issued to you every 20 days by a nominated individual within our firm.
  3. A comprehensive response to your complaint will be issued within 8 weeks of receipt of your initial complaint.
  4. For complaints relating to our Mortgage services you are entitled to refer the matter to the Office of the Financial Services & Pensions Ombudsman: T: 01-5677000 or E: info@fspo.ie.

If your complaint is regarding a supplier from which you have obtained a service and with which we put you in touch, then you should address your complaint directly to that supplier.