Important Legal Information

REGULATORS

Seaspray Financial Services Ltd is regulated by the Central Bank of Ireland. 

AUTORISED STATUS

Seaspray Financial Services Ltd is regulated by the Central Bank of Ireland (CBI) and authorised as an Investment Business firm under section 10 of the Investment Intermediaries Act 1995 (as amended). The firm is also registered as an insurance/reinsurance intermediary under the European Communities (insurance Mediation) Regulations, 2005 (as amended). The firm is an investment Product Intermediary holding letters of appointment from investment product producers such as insurance companies or banks.

The company’s regulatory number with the CBI is C165527. The Central Bank of Ireland keeps a register of all authorised advisers, and this can be viewed at registers.centralbank.ie
Seaspray Financial Services Ltd, of 25 Lower Leeson Street, Dublin 2 specialises in the provision of independent financial advice to private individuals and corporate clients. We pride ourselves on the in-depth, client-focused, professional service we offer to our clients. Building client relationships is core to any advice we can offer, enabling us to get to know what is important in our clients’ lives.

Seaspray Financial Services Ltd is subject to the following codes of conduct issued by the Central Bank of Ireland. These codes offer protection to consumers and can be found on the Central Bank’s website, www.centralbank.ie.

  • Consumer Protection Code 2012
  • Minimum Competency Code 2011
  • Prudential Handbook for Investment Intermediaries
  • Fitness and Probity Standards
  • Consumer Credit Act 1995, as amended

PRIVACY

See: Seaspray Financial Services Privacy Notice – March 2022

RISK WARNINGS

PLEASE NOTE

Reference to any product on this site does not constitute a solicitation for the purchase or sale of any investment.

FEES

Upfront fees may apply to certain products offered by Seaspray Financial Services ltd which are mentioned on this site.

INVESTMENTS

Past performance is not necessarily a guide to future returns. The value of investments and the income from them can fall as well as rise. Investments denominated in foreign currencies are subject to fluctuations in exchange rates, which may have an adverse affect on the value of the investments, sale proceeds, and on dividend or interest income. Investors may not necessarily recoup the full value of their original investment. Not all recommendations are necessarily suitable for all investors and we recommend intending investors consult Seaspray Financial Services Ltd for professional advice prior to investing. Specific advice should always be sought prior to investment, based on the particular circumstances of the investor.

NEW ACCOUNTS

We have a legal obligation to ask all new account holders for acceptable identification, e.g. Current passport, full driving license or employee identity, which bears your photograph. In addition we require separate verification of your current permanent address before opening an account, e.g. Utility bill, bank or building society statements (originals). If you are unable to provide any of the above please contact us.

TAXATION

Tax levels, basis of taxation and tax relief’s can change. We suggest that you take professional tax advice prior to investing.

TERMS & CONDITIONS

These terms and conditions (the “Terms and Conditions”) govern the use of www.seasprayfinancialservices.ie (the “Site”). This Site is owned and operated by Seaspray Financial Services Ltd.This Site is a financial adviser.
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
THESE TERMS AND CONDITIONS CONTAIN A DISPUTE RESOLUTION CLAUSE THAT IMPACTS YOUR RIGHTS ABOUT HOW TO RESOLVE DISPUTES. PLEASE READ IT CAREFULLY.
Intellectual Property
All content published and made available on our Site is the property of Seaspray Financial Services Ltd and the
Site’s creators. This includes, but is not limited to images, text, logos, documents, downloadable
files and anything that contributes to the composition of our Site.
Age Restrictions
The minimum age to use our Site is 18 years old. By using this Site, users agree that they are over
18 years old. We do not assume any legal responsibility for false statements about age.
Acceptable Use
As a user of our Site, you agree to use our Site legally, not to use our Site for illegal purposes, and not to:
– Harass or mistreat other users of our Site;
– Violate the rights of other users of our Site;
– Violate the intellectual property rights of the Site owners or any third party to the Site;
– Hack into the account of another user of the Site;
– Act in any way that could be considered fraudulent; or
– Post any material that may be deemed inappropriate or offensive.
If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend or terminate your access to our Site. We also reserve the right to take any legal steps necessary to prevent you from accessing our Site.
Links to Other Websites
Our Site contains links to third party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third party website or service linked to on our Site. It is your responsibility to read the terms and conditions and privacy policies of these third party websites before using these sites.
Limitation of Liability
Seaspray Financial Servi ces Ltd and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Seaspray Financial Services Ltd and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of Ireland.
Dispute Resolution
Subject to any exceptions specified in these Terms and Conditions, if you and Seaspray Financial Services Ltd are unable to resolve any dispute through informal discussion, then you and Seaspray Financial Services Ltd agree to submit the issue before a mediator. The decision of the mediator will not be binding. Any mediator must be a neutral party acceptable to both you and Seaspray Financial Services Ltd.
Notwithstanding any other provision in these Terms and Conditions, you and Seaspray Financial Services Ltd
agree that you both retain the right to bring an action in small claims court and to bring an action for injunctive relief or intellectual property infringement.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
Contact Details
Please contact us if you have any questions or concerns. Our contact details given below:

  1.