Terms of Service

Last updated: April 17, 2026

These Terms of Service govern your use of ojakunnla.org and its services. By accessing and using our website and resources dedicated to money management education for adults in Ireland, you agree to be bound by these terms. We reserve the right to modify these terms at any time, and continued use of our services constitutes acceptance of any changes. If you do not agree with any portion of these terms, please discontinue use of our website immediately.

Acceptance of Terms

Your use of our website and services indicates your acceptance of all terms and conditions outlined in this document. We provide educational resources, tools, and information related to money management, expense tracking, smart spending habits, banking services, and financial routines for adults throughout Ireland. By registering or accessing our content, you confirm that you are at least 18 years of age and possess the legal authority to enter into this agreement. We may require additional verification of your identity at our discretion.

All information, content, and materials provided on our platform are intended for educational and informational purposes only. We make no representations or warranties regarding the accuracy, completeness, or suitability of the information for your specific financial situation. Users are encouraged to seek professional financial advice from qualified advisors before making significant financial decisions based on information obtained from our resources.

User Obligations and Responsibilities

You agree to use our services only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment of our website. Specifically, you agree not to harass, abuse, or harm any person or group. Prohibited behaviour includes publishing defamatory, offensive, or malicious comments, posting spam or unsolicited promotional content, and attempting to gain unauthorised access to our systems or infrastructure.

As a user, you are responsible for maintaining the confidentiality of any account credentials and passwords you create. You agree to notify us immediately of any unauthorised use of your account or any other breach of security. We are not responsible for losses or damages arising from your failure to protect account information. You must comply with all applicable laws and regulations when using our services, including data protection regulations and consumer protection laws applicable in Ireland.

Intellectual Property Rights

All content available on our website, including text, graphics, logos, images, audio files, video content, and software, is the exclusive property of our organisation or licensed to us by content providers. This includes our curated resources on daily expense tracking, banking services in Galway and Dublin, and financial routines for Irish adults. You may not reproduce, distribute, transmit, display, or perform any content without our prior written permission.

We grant you a limited, non-exclusive, non-transferable license to access and view our content for personal, educational use only. Commercial use, redistribution, or modification of our materials is strictly prohibited. Your use of our educational resources does not grant you ownership rights. We protect our intellectual property vigorously and reserve the right to take legal action against any infringement of our rights or unauthorised use of our proprietary materials.

Limitation of Liability

Our website and services are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services.

This includes damages resulting from financial losses, business interruption, or reliance on information provided through our platform. We are not responsible for third-party content, links to external websites, or any actions taken based on educational materials provided on our site. Your use of our services is at your own risk, and we strongly recommend consulting with qualified financial professionals before implementing any strategies or decisions based on information obtained from our resources.

Termination of Service

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms, engage in prohibited behaviour, or if we determine that your continued access poses a risk to our services or other users. Upon termination, your right to use our website and services ceases immediately, and you must discontinue all access and use of our content.

We may also discontinue or modify our services, features, or content at our discretion. We are not liable for any loss of access, data, or services resulting from termination or modification. If you wish to terminate your account voluntarily, you may do so by ceasing use of our services. Any provisions of these terms that by their nature should survive termination, including intellectual property rights and liability limitations, will continue in effect after termination of your access to our platform.