Please read the following terms and conditions of use carefully and completely before using this site.

Access to No Nonsense's website is provided on the understanding that you expressly agree to be bound by these terms and conditions and to be subject to all additional disclaimers and caveats that may appear throughout the site. If you proceed to access the site, you are deemed to have accepted and are bound by these terms and conditions.

No Nonsense will attempt to keep the information contained on or accessible through this site timely and accurate, but makes no guarantees, and disclaims any implied warranty or representation, about its accuracy, relevance, timeliness, completeness, or appropriateness for a particular purpose. No Nonsense may change or modify the information, services and any other resources contained on or accessible through this site, or discontinue this site altogether, at any time without notice.

No Nonsense may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement. Accordingly, you agree to review this agreement periodically, and your continued use of this site shall be deemed your acceptance of the modified agreement.

Disclaimer of Warranty

No Nonsense disclaims all express or implied representations or warranties regarding the information, services, and any other resources available on or accessible through this site, including (without limitation) any implied warranties. All such information, services and other resources are made available "as is" and "as available" without warranty of any kind.

No Nonsense disclaims all responsibility and liability of any description, including without limitation liability for negligence, incidental or consequential damages and/or loss suffered by any person acting or refraining from action as a result of or in connection with material on this site, to include any reliance placed by such person on such material, or the viewing or use or performance of this site.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall No Nonsense be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages or any damages whatsoever, resulting from any loss of use, loss of data, loss of profits, business interruption, litigation, or any other pecuniary loss, whether based on breach of contract, tort (including negligence), product liability or otherwise arising out of or in any way connected with the use or performance of this site with the delay or inability to use this site, including for the avoidance of doubt reliance on information provided on this site, with the delay or inability to use this site, or with the provision of, or failure to make available any information, services, products, materials or other resources available on or accessible through this site, even if advised of the possibility of such damages.

No Nonsense does not guarantee the sequence, accuracy, or completeness of any information or content on this or any other internet sites and shall not be liable in any way to you or anyone else who may use the information or content or to whom the information or content may be furnished, for any delays, inaccuracies, unavailability, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damage arising therefrom or occasioned thereby.

You acknowledge and agree that the limitation set forth above are fundamental elements of this agreement and the site would not be provided to you in the absence of such limitations.

Indemnification

You agree to indemnify, defend, and hold harmless No Nonsense from any liability, loss, claim, and expense (including reasonable legal fees) related to your violation of this agreement.

Miscellaneous

No Nonsense's failure to insist upon strict enforcement of any provision(s) of this agreement shall not be construed as a waiver of any provision or right.

No Nonsense serves No Nonsense customers, Irish residents and employers whose principal place of business is in Ireland. No Nonsense is licensed to underwrite insurance in the Republic of Ireland only and does not engage in the business of insurance outside Ireland, except as may be permitted by law.

This agreement and the resolution of any dispute related to this agreement or this site shall be governed by and construed in accordance with the laws of Ireland. Any legal action or proceeding between No Nonsense and you, related to this agreement or this site shall be brought exclusively in a court of competent jurisdiction sitting in Ireland.

Copyright

All materials on this server and this web site, including the site's design, layout and organisation are owned or licensed by No Nonsense and protected by copyright.

Only personal use of such materials is permitted, which means that you may access, download, or print such materials for your personal, non-commercial use only. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this site or any site accessible through this site.

Without the prior written permission of No Nonsense you may not publish, copy, reproduce, distribute, transfer, or otherwise use any materials contained on this site, or any materials accessible through this site, in whole or in part. Requests for permission to publish, copy, reproduce, distribute, transfer or otherwise use such materials should be e-mailed to No Nonsense.

We process information provided by you, which may include your personal data and that of third parties.  You allow us to collect your personal data and to monitor your driving behaviour if you avail of an insurance policy from No Nonsense (with or without the SmartDriver device) or when you download and activate the TopDriver Application (TopDriver App).

If you choose to avail of a SmartDriver device, we will provide you with a device to fit to your vehicle which will record anonymised data about your driving behaviour including the time, date, location coordinates, braking frequency and force, cornering and acceleration and those of any person driving your vehicle. Our Service Providers (DriverProfile Ireland Limited (DriverProfile)) who are located outside the European Economic Area will process and securely transmit the anonymised data over the internet to us to match with your personal data.

If you download the TopDriver App to your iphone or android mobile device we will provide you with a summary of your driving behaviour in the form of a score which will be displayed on your handset. We will process the personal data provided by you and gathered by your mobile device which comprises includes the time, date and location of your journey. The TopDriver App only records this data when you activate the TopDriver App and will continue to record until it is deactivated. The TopDriver App uses GPS data to locate your mobile device and GPRS data to transmit information to our Service Provider (MyDrive Solutions Limited (MyDrive)) who are located in Ireland and registered with the Information Commissioner’s Office in the United Kingdom (registration number Z3137794) as a Data Controller. MyDrive will process your personal data and securely transmit it to us over the internet.

Who we are and your Access Rights

Your insurance policy is administered and underwritten by FBD Insurance plc. If you have any enquiry about our data protection and privacy practices please contact us at: The Data Protection Officer, FBD Insurance plc, FBD House, Bluebell, Dublin 12.

You have a right to request a copy of your personal data held by us. A request should be made in writing and accompanied by a fee of €6.35 (cheques should be payable to FBD Insurance plc), to The Data Protection Officer at FBD Insurance plc, FBD House, Bluebell, Dublin 12. If you believe that there are inaccuracies in the data we hold about you, you can contact Our Data Protection Officer to have the data corrected and can block or erase your data.  You can also object to the processing of your personal data. You may be asked to prove your identity before a request is granted.

Why we collect and how we use personal data

All personal data is held in accordance with the standards required by data protection law. The information that you provide or which we collect will be held and used by us and the FBD group (which includes the No Nonsense brand and FBD Hotels (Ireland) Limited) for the purposes of: confirming your identity; quoting for, calculating, providing, servicing and administering insurance and other financial services products provided by us and/or other members of the FBD group; for activities such as underwriting, processing, claims handling and the provision of services such as Car Breakdown Assistance; installing, maintaining and contacting you with regard to the SmartDriver device or TopDriver App; undertaking market research; statistical and actuarial analysis; marketing (see further below); to protect us, the FBD group, our affiliates and our customers from and to prevent and detect fraud; to check against non-disclosure and fraudulent claims; and to comply with legal obligations imposed on us or other members of the FBD group. We may aggregate information for the purposes of understanding behaviours in driving, anonymous profiling and to develop our product offerings.

To detect, prevent and protect FBD group companies from, fraud and to ensure that any payments or refunds can be paid to you, we keep your credit card and bank details for the duration of your insurance policy. By providing us with your financial details, you are consenting to us doing so.

We will retain information and personal data for as long as is permitted by law.  Information and data collected via the SmartDriver Device or TopDriver App will be kept for up to six years after the conclusion of your relationship with FBD.

If you make a claim under your insurance policy, the information provided to us in connection with your claim application will be processed by us to confirm your identity and process your application. To this end it may be necessary to share your information with our service providers, private investigators and with certain third parties, and to cross-reference this information against relevant insurance industry registries (such as those mentioned in this notice) and publicly available databases. These third parties may retain a record of your information.

If you do not incept a quote or application for an insurance policy or if your policy ceases, the personal data obtained by us will be retained for as long as is permitted by law and may be shared as outlined in this notice.

We may monitor and record telephone calls in order to administer insurance policy, improve our service and for the purposes in this notice.

Disclosures of personal data

For the purposes referred to in this notice, FBD group companies may share information (including claims information) with third parties who are located both inside and outside the European Economic Area (such as the USA and South Africa), with other FBD group companies; agents or service providers (including DriveProfiler Ireland Limited and MyDrive Solutions Limited); other insurers and their agents; industry, trade or regulatory bodies; the Insurance Link database and other databases of operated by the Irish Insurance Federation (see also http://info.insurancelink.ie/). Information may also be shared with private investigators in accordance with Code of Practice on Data Protection for the Insurance Sector.

IMPORTANT: Sensitive Personal Data and Data Relating to Other Persons: For the purposes of providing an insurance quotation, underwriting and administering insurance policies and for claims, we will need to collect sensitive data about you and other persons connected to the insurance policy. Such sensitive data may relate to health conditions and/or criminal convictions. By accepting this notice you are representing to us that you explicitly consent to the processing of your data as set out in this notice and confirm that you have explained to each person for whom cover/quotations are required how their data is used and to whom it is disclosed (including their sensitive personal data). Accordingly all references in these statements which apply to you shall also apply to any other person named for whom cover/quotation is required and details are given.

Direct Marketing

FBD Insurance plc would like to use the details you have given to us to provide you with information about other products and services from FBD group companies, including special offers of FBD Hotels. To do this we would like to be able to contact you through a variety of means depending on the information we would like to let you have. These include: mobile phone, landline, email, SMS (mobile messages) and post. We will only do this while you are a customer with us and for up to 12 months afterwards or if you do not accept a quotation from us. Your choice will not affect any of the services we provide to you, now or in the future.

If you do not wish to receive this type of information in this way please let us know by calling us on 1800 25 27 37.

All calls to and from FBD, may be recorded for training, policy administration and verification purposes.