Terms of Use

Welcome to ftbb.ie — First Time Buyer's Bible Ireland ("FTBB", "we", "us" or "our"). By accessing or using this website, you agree to be bound by the following Terms of Use. If you do not agree, please do not use this website.

1. Acceptance of Terms

These Terms of Use govern your access to and use of ftbb.ie, including any content, features and services offered on or through the website. By using the website you confirm that you are at least 18 years old and that you accept these terms in full.

2. Nature of the Service

FTBB is an editorial information platform. Our content is designed to educate and inform Irish first-time property buyers about mortgages, government grant schemes, the legal purchase process and related topics. We are not:

• A regulated financial adviser or mortgage broker.
• A legal services provider or solicitor.
• A representative of any lender, government body or property developer.

Content on this site reflects our editorial understanding at the time of publication and may not reflect the most current market conditions, legislation or scheme eligibility rules. Always verify information directly with the relevant official source (e.g. Revenue.ie, FirstHomeScheme.ie, your lender or a qualified financial adviser).

3. No Financial or Legal Advice

Nothing on this website constitutes financial advice, mortgage advice, legal advice, investment advice or any other form of regulated professional advice. Any guides, tools, comparisons or commentary provided by FTBB are for general informational and educational purposes only.

We strongly recommend that you seek independent professional advice from a qualified mortgage broker, financial adviser, or solicitor before making any mortgage application, property purchase or financial commitment.

4. Partner and Third-Party Links

FTBB may feature links to, or information about, third-party partners including mortgage brokers, solicitors, surveyors, insurers and financial service providers. These are provided for information purposes only. FTBB does not endorse any specific product, provider or service. Third-party websites have their own terms and privacy policies, and we are not responsible for their content or practices.

Some partner introductions may result in FTBB receiving a referral fee. This does not affect the editorial independence of our guides and information.

5. Intellectual Property

All content on this website — including text, images, graphics, logos, icons and editorial material — is the property of FTBB or its licensors and is protected by Irish and international copyright and intellectual property law.

You may read and share links to content for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written permission.

6. User Conduct

When using this website, you agree not to:

• Use the site for any unlawful purpose or in breach of any applicable law.
• Attempt to gain unauthorised access to any part of the site or its infrastructure.
• Transmit any harmful, offensive, defamatory or misleading content.
• Use automated means (bots, scrapers) to access or collect data from the site without our permission.
• Interfere with the proper functioning of the website.

7. Accuracy of Information

We make reasonable efforts to ensure the accuracy and currency of information on ftbb.ie. However, we do not warrant that the content is complete, accurate, up to date or free from errors. Scheme rules, lending criteria, interest rates and legal requirements change regularly. Always verify the most current position with official sources before acting.

8. Limitation of Liability

To the fullest extent permitted by applicable Irish and EU law, FTBB and its officers, employees and affiliates shall not be liable for any direct, indirect, incidental, consequential or special loss or damages arising from:

• Your use of, or inability to use, this website or its content.
• Any reliance you place on information provided on this website.
• Any decision made or action taken in reliance on content from this website.
• Interruption, suspension or termination of the website.

Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under Irish law.

9. Disclaimers

This website is provided on an "as is" and "as available" basis without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose or non-infringement.

We do not guarantee that the website will be error-free, secure, or uninterrupted. We reserve the right to modify, suspend or discontinue any part of the website at any time without notice.

10. Privacy and Cookies

Your use of this website is also subject to our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Ireland. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the Irish courts.

12. Changes to These Terms

We reserve the right to amend these Terms of Use at any time. Updated terms will be posted on this page with a revised "Last updated" date. Continued use of the website after any changes constitutes your acceptance of the revised terms.

13. Contact Us

If you have any questions about these Terms of Use, please contact us at info@ftbb.ie or write to us at 57 Clontarf Road, Dublin 3.