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Access to this website and the use of the information contained on it is governed by the disclaimer below. This disclaimer is important and is for the protection of both Harvest Financial Services Ltd (“HFS”) and its clients. Please take the time to read it carefully. By proceeding further you will be deemed to have accepted the terms and conditions described herein. Please note that references to the website mean HFS’s website. The website is issued and approved by HFS.

This website is intended for access only by clients in the Republic of Ireland. HFS is not authorised to, and does not through this website, offer its services in any other jurisdiction. Accordingly this website does not constitute an offer or solicitation of investment services by HFS in any other jurisdiction or in any circumstances in which such offer would be unlawful or unauthorised.

Information appearing on this website is provided in accordance with and subject to the laws of the Republic of Ireland and the laws of the Republic of Ireland are the laws governing the conduct and operation of this website. The courts of the Republic of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connect with this website, the information contained on this website and its use.

The information contained on this website is not intended to be provided to, and should not be used in, any state or jurisdiction where accessing or use or such information is prohibited, whether in the format in which it is presented on this website or otherwise. The information on this website is updated periodically, however the information contained here should be treated as indicative only. HFS does not make any representation or warranty as to the accuracy or completeness of the contents of this website, or any warranty or representation of any other nature. For precise real time information you should contact HFS directly.

While HFS believes the information posted to this site is correct, this cannot be guaranteed and HFS is not responsible for any inaccurate or incorrect information which is posted for guidance only and should not be relied upon. HFS assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft, destruction or unauthorised access to, or alteration of entries posted to the site. HFS is not responsible for any problem or technical malfunction or any telephone network or computer online system, server or provider, computer equipment, software, failure of email on account of technical problems, or traffic congestion on the internet, or at any website, or any combination thereof, injury or damages to visitors or any other persons computer related to or resulting from access to or downloading material from this site. HFS accepts no liability for any infection by a computer virus, bug, tampering, unauthorised intervention, fraud, technical failure, or any other cause, beyond the control of HFS which corrupts or affects the administration, security, fairness, integrity, or proper conduct of any access of this website. HFS reserves the right in its sole discretion to cancel, terminate, modify or suspend this website. This website contains facts, views, opinions and recommendations of individuals and organisations deemed by HFS to be of interest to its visitors. HFS gives no guarantee as to the correctness or accuracy thereof, nor does it endorse these views, opinions or recommendations. None of the information posted on this site is to be taken as constituting investment advice, or as encouragement to purchase or sell any particular investment.

The calculator on this website is provided by the Pensions Board and any assumptions and calculations are provided by the Pensions Board.  The calculator is designed to provide guidance indicators for pension requirements only.