Terms of Use

These Terms of Use govern your access to and use of the website cigese-fihopu.info, operated by Cigese Fihopu. By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree, please do not use this website.

A. Nature of the Content

This website is an editorial reading collection. All content published here is informational and educational in nature. It describes research findings, academic frameworks, and published writing about the psychology of saving. Nothing on this website constitutes financial advice, investment advice, tax advice, or any other form of regulated financial guidance. The content is not tailored to any individual's financial circumstances and should not be treated as a substitute for qualified professional advice.

Cigese Fihopu is not a regulated financial adviser, financial planner, investment firm, or credit institution. We do not hold authorisation from the Central Bank of Ireland or any other financial regulatory body. Users seeking personalised financial guidance should consult a regulated financial adviser authorised by the Central Bank of Ireland.

B. Intellectual Property

All original content on this website — including text, design elements, printable tools, and editorial writing — is the intellectual property of Cigese Fihopu and is protected by Irish copyright law and the Copyright and Related Rights Act 2000. You may read and use the content for personal, non-commercial purposes. You may not reproduce, republish, distribute, or adapt the content without prior written permission, except where permitted by applicable law.

Where the collection refers to or summarises third-party research and publications, the intellectual property in those works remains with their respective rights holders. References to academic works are made for the purpose of description and commentary, consistent with fair dealing provisions under Irish copyright law.

C. Accuracy and Completeness

We make reasonable efforts to ensure that the content on this website is accurate, current, and drawn from credible sources. However, we do not warrant that the content is free from error, complete, or up to date at all times. Academic research in behavioural economics and related fields is ongoing, and findings can be revised, extended, or superseded. Readers are encouraged to consult original sources where precision is important.

The printable tools available on this website are based on published research frameworks and are provided as thinking aids. They are not diagnostic instruments, clinical assessments, or financial planning documents. Their accuracy and applicability to any individual situation cannot be guaranteed.

D. External Links

This website may contain links to external websites and publications. These links are provided for informational purposes. Cigese Fihopu does not control the content of external websites and accepts no responsibility for the accuracy, legality, or appropriateness of content found on linked sites. The inclusion of a link does not constitute endorsement of the linked site or its content.

E. Limitation of Liability

To the fullest extent permitted by Irish law, Cigese Fihopu accepts no liability for any loss or damage — direct, indirect, incidental, or consequential — arising from your use of this website or reliance on its content. This includes but is not limited to financial loss, loss of data, or loss of opportunity. The content is provided on an "as is" basis without warranties of any kind, express or implied.

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

F. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Ireland. Any dispute arising from or related to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of Ireland. If any provision of these terms is found to be unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

G. Modifications

We reserve the right to update or modify these Terms of Use at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

H. Contact

Questions about these Terms of Use may be directed to [email protected] or by post to Cigese Fihopu, 24 O'Connell St, Trinity Without, Waterford, X91 A891, Ireland.