These Terms and Conditions govern access to and use of soltiveara.sbs, a website publishing general financial information, practical guides, and related resources. They explain acceptable use, intellectual property, external links, limitations, and how concerns are handled. Please read them with the Privacy Policy, Cookie Policy, and Disclaimer. If you do not accept these terms, do not use the Website.

August 3, 2026

Acceptance of these terms

By accessing or using soltiveara.sbs, you confirm that you have read, understood, and accepted these Terms and Conditions. If you do not agree with any provision, please stop using the website. These terms apply to visitors, readers, and anyone submitting information through available contact features.

Definitions and interpretation

These terms use certain words with specific meanings. Reading the definitions first can make the remaining provisions easier to understand and helps distinguish Soltiveara’s Website and general Content from third-party services or personal professional guidance.

• “Website” means soltiveara.sbs, including its pages, text, graphics, features, forms, and other materials made available by Soltiveara. It does not include third-party websites or services that may be referenced for context. External providers remain responsible for their own content, availability, privacy practices, and terms.
• “Content” means general financial information, explanations, examples, articles, guides, illustrations, and other material published through the Website. Content is provided for informational purposes only and does not constitute personal advice, a recommendation, an offer, or an invitation to enter a transaction.
• “User”, “you”, or “your” means any person who accesses, browses, reads, submits an enquiry to, or otherwise interacts with the Website. You are responsible for ensuring that your use complies with applicable law and these terms, including where you access the Website from outside Ireland.
• “Soltiveara”, “we”, “us”, or “our” means the operator of soltiveara.sbs and the people or service providers authorised to maintain, publish, secure, or administer the Website. These terms do not create an adviser-client, broker-client, employment, partnership, or fiduciary relationship.

Using the Website

You may browse and use the Website for lawful, personal, and non-commercial information purposes. Use the Content as a starting point for questions and verification, not as a substitute for advice tailored to your circumstances. We may change, suspend, restrict, or discontinue parts of the Website without prior notice where operational, security, or legal considerations require it.

Eligibility and access

You may use the Website only if you can form a legally binding agreement under the law that applies to you. If you are under the age required to enter such an agreement, please use the Website only with appropriate permission from a parent or legal guardian. You must provide accurate information when using a contact feature and must not impersonate another person or organisation.

The Website is intended for general audiences seeking financial information. Access does not establish that any product, service, transaction, or content is suitable for you. Check local requirements and obtain appropriate professional guidance before making a significant decision.

Your responsibilities

Using the Website thoughtfully helps keep information useful and protects other visitors. You should read relevant notices, verify important details, respect intellectual property, and avoid sharing information that is unnecessary for your enquiry. The following responsibilities apply whenever you access or interact with Soltiveara.

• You are responsible for reading relevant pages and checking whether information remains current before relying on it. Rates, fees, repayment terms, regulations, provider conditions, and circumstances may change after publication.
• You are responsible for protecting your devices, passwords, contact details, and any information you choose to provide. Do not send payment details, account credentials, or sensitive personal data through an unsuitable channel.
• You are responsible for applying independent judgement and obtaining suitable professional guidance when a decision concerns your personal finances, legal position, tax circumstances, obligations, or tolerance for uncertainty.
• You are responsible for ensuring that your access and use of the Website comply with applicable law, these terms, and the rights of other people. If you use Content for another person or organisation, you must have authority to do so.

Prohibited uses

Responsible use protects visitors, contributors, and the integrity of the Website. The following activities are not permitted, whether carried out directly or through another person, service, device, or automated process.

• You must not use the Website to break the law, infringe rights, deceive another person, impersonate an individual or organisation, or submit information that you know is false, misleading, or materially incomplete.
• You must not interfere with Website security, test vulnerabilities without permission, introduce malicious material, overload infrastructure, bypass access controls, or attempt to gain unauthorised access to systems or data.
• You must not copy, scrape, harvest, reproduce, publish, sell, license, or commercially exploit Website Content without permission, except where a limited use is expressly allowed by law or these terms.
• You must not use the Website to send unsolicited promotions, distribute harmful material, collect another person’s personal data without lawful authority, or encourage conduct that could cause injury, loss, or unlawful harm.
• You must not treat general Content as personal advice, conceal important circumstances, rely on outdated information, or use examples, historical material, or illustrations as a promise about a future outcome.

Intellectual property

Unless stated otherwise, Website Content, layout, branding, graphics, and original materials belong to Soltiveara or are used with permission. You may view and print reasonable extracts for personal, non-commercial reference. You must not copy, adapt, republish, sell, license, distribute, scrape, frame, or create derivative material without prior written permission, except where applicable law allows it.

User submissions

If you submit text, questions, feedback, images, or other material through a Website feature, you confirm that you have the right to submit it and that it does not unlawfully infringe another person’s rights. Do not include confidential, sensitive, or unnecessary personal information. You remain responsible for the material you provide and its accuracy.

Privacy and cookies

Our Privacy Policy explains how Soltiveara collects, uses, stores, shares, and protects personal data. The Cookie Policy explains cookies and similar technologies. Please review both notices before submitting information or using features that involve personal data. Read the Privacy Policy

Important disclaimer

The Website provides general financial information to support clearer questions and more careful review. Content is not personal advice, a recommendation, or a promise about any result. Rates, fees, repayment terms, regulations, and circumstances can change, so verify important details before relying on them.

Limitation of liability

To the extent permitted by law, Soltiveara is not liable for indirect, incidental, or consequential loss arising from reliance on general Content, interruptions, technical faults, or third-party material. Nothing in these terms excludes liability that cannot legally be excluded or limits mandatory consumer rights.

Your responsibility

To the extent permitted by applicable law, you agree to protect Soltiveara and its officers, workers, and service providers from reasonable claims, losses, or costs arising from your unlawful use of the Website, breach of these terms, infringement of another person’s rights, or material submitted by you.

Resolving concerns

We encourage users to raise concerns directly with Soltiveara before pursuing a formal route. A clear written explanation gives us an opportunity to investigate, correct an error where appropriate, and explain the relevant position.

Applicable law

These terms are governed by Irish law, subject to mandatory consumer protections and legal rights that cannot be excluded or limited.

Suspension and termination

We may suspend or end access where we reasonably believe that use breaches these terms, threatens Website security, harms another person, or creates a legal or operational concern. You may stop using the Website at any time. Provisions concerning intellectual property, responsibility, limitations, disputes, and accrued rights continue where their nature requires.

Changes to these terms

We may update these terms when the Website, our practices, or applicable legal requirements change. The revised version will be published on this page with a new effective or updated date. Continued use after publication means you accept the revised terms, unless applicable law requires another form of notice or consent.

Severability

If any provision of these terms is found unlawful, invalid, or unenforceable, it will apply to the fullest extent permitted or be adjusted only as necessary. The remaining provisions will continue in effect. A failure to enforce a provision immediately does not waive the right to enforce it later.

Entire agreement

These terms, together with any page-specific notices and policies expressly referenced here, form the agreement governing your use of the Website. They replace earlier descriptions of the same subject matter, except where a later written agreement or mandatory law applies. If a specific page contains additional conditions, those conditions apply to the relevant feature or material.

Contact information

Questions about these terms, website content, or a possible issue should be sent to Soltiveara using the contact details provided below. Please include the relevant page and a concise description of your concern. Do not include passwords, payment information, account credentials, or other sensitive personal data in a general enquiry. Our team can clarify how the website operates, but cannot provide advice tailored to your personal financial circumstances. If your question concerns an important decision, consider speaking with an appropriately qualified professional and checking current provider documents, APR rates, fees, and repayment terms before acting.