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Terms Of Use


By accessing and using this 123plus.ie website (the "Site"), you acknowledge and agree to the disclaimers, terms and conditions (“Terms”) set forth below. If you do not agree to these terms, you should not use the site. We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms at any time. You should check these Terms periodically for changes as by using the Site after we post any changes to these Terms, you are agreeing to accept those changes, whether or not you have reviewed them.

The content of this website has been prepared to provide general information about the Rewards Programme offered by 123.ie (the trading name for 123 Money Ltd and hereinafter referred to as “123”, “us” or “we”) to those who access this website. Information contained within this website is not intended to constitute a technical specification.


These terms apply to your use of 123plus.ie website which is operated and owned by 123 Money Limited which is a wholly owned subsidiary of RSA Insurance Ireland Ltd. 123 is an Irish company with its registered office at RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, Ireland. By using the Site, you agree to legally bound by these Terms just as if you had signed them. 


Subject to these terms, we grant you a non-executive, non-transferable, limited right to access and use the site and the material displayed thereon. However, no right, title, or interest in any such materials will be granted or transferred to you as a result of any permitted use of such materials. 

All materials incorporated in or accessible through the Site, including, without limitation, text, photographs, images, graphics, illustrations, logos, button icons, audio clips, video clips, software, and other content, and the compilation, collection, arrangement, and assembly thereof (including the look and feel of the site), are protected by Irish and international intellectual property laws, and are owned, controlled or licensed by 123.ie or by the original creators of such materials or their permitted licensors. Such materials may be used only for viewing the site in the ordinary course or as a resource for purchasing the products offered through the Site. Any other use of such materials, including any copying, reproduction, modification, sale, distribution, extraction, re-utilisation, transmission, republication, downloading, display, posting, performance, or other exploitation thereof by any means or medium without the prior written permission of the intellectual property owner is strictly prohbited. 


We are committed to protecting you privacy and security. You should also review our Privacy Policy and Terms and Conditions.  Our Terms and Conditions and our Privacy Policy are incorporated into these Terms by this reference. 


The site uses cookies. You should review our Privacy Policy for further information. By using this Site you agree that we can place these types of cookies on your device. 


123 generally welcomes the hyper-linking to the site from other appropriate websites provided such links are to the site's homepage (and no deeper within the Site) and provided we give our consent to the establishment of such links. Notwithstanding the foregoing, we reserve the absolute right to refuse to consent to such links without giving reasons. Any links to the Site from another website must be presented in such a manner that the viewing of the Site is not impaired by framing or similar techniques that may impair the visitor's user experience. Screen-scraping or similar unauthorised extraction of data from our site is expressly prohibited.


This site is provided by 123 on an 'as is' basis. To the fullest extent permitted by applicable law, 123 disclaims all warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, compatibility, security, accuracy or non-infringement. 

Neither 123, any of our affiliates, nor any of our or their respective licensors, licensees, service providers or suppliers warrant that the site or any function contained in the site will be uninterrupted or error free, that defects will be corrected, or the servers that make the site available are free of viruses or other harmful components. 

123 does not warrant or make any representations regarding the use or the result of the use of the materials incorporated in this site or any third-party site accessed through the site in terms of their correctness, accuracy, timeliness, reliability or otherwise. Although this site is accessible worldwide, not all rewards discussed or referenced herein are available to all persons or in all geographic locations. 

This site contains links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by 123 of the content on such third party websites. 

123 reserves the right to limit, in its sole discretion, the provision and quantity of any reward or offer to any person or geographic area it so desires. Any offer/ reward made in or through this site is void where prohibited. These disclaims apply to the fullest extent permitted by law. 


You expressly understand and agree that (to the fullest extent permitted by law) 123 shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damage, or any other damages whatsoever, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses (even if we have been advised of the possibility of such damages), arising out of, or resulting from your use of, or the inability to use, the Site. 


You agree not to use the Site or Cause or permit the Site to be used:-

  • so as to jeopardise the operation, quality or integrity of the site, or the operation, quality or integrity of any telecommunications network
  • for any commercial purpose including any screen-scraping, direct marketing, surveys, contests or pyramid schemes, nor to use the Site to participate in or cause others to participate in sending chain letters, junk e-mail, spam, duplicative or unsolicited messages, advertising or promotional material;
  • to harvest or otherwise collect information about others, including e-mail addresses, without their consent;
  • to distribute, download, upload or transmit any material which contains viruses, Trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs;
  • contrary to the terms and conditions of any Internet Service Provider whose services you may use.


The site has been created and is controlled by 123 in Ireland. These terms will be governed by, and construed and enforced in accordance with, the laws of Ireland. You hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Irish courts. 


These terms, the Terms and Conditions, and the Privacy Policy, constitute the entire agreement between 123 and you with respect to your access to and use of the Site and any third-party site accessed through the Site. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. 

All right, registered or unregistered including, without limitation, copyright, contained within this website and in the material published in it, belongs to 123. Neither the trademarks, names, service marks, logos nor any other proprietary rights of 123 maybe used in any way without the prior written consent of 123 and nothing in this website constitutes a licence to use any rights in any way except as expressly provided in paragraph 3 below. 

You may download and print any part of the material on this website provided that you shall only be entitled to use such material for your own personal and domestic use. However, you need to be aware that such material may have changed, may not be applicable and we are under no obligation to update such material. You agree not for yourself or through or by way of assistance to any third party to distribute, decompile, reverse engineer, disassemble or otherwise deal in or with the website or materials therein or otherwise commercially exploit such material or content. 

We reserve the right to change these Terms of Use and any material, products or services and applicable terms to such products or services contained within this website at any time without notice. You are advised to review these terms of Use on a regular basis as you will be deemed to have accepted changes if you continue to use this website after such changes have been made. 

Any reference to any offer or reward which has been or maybe provided by 123 does not amount to a promise that such offer or reward will be available at any time. Changes to or improvements in such offers or rewards may be made at any time without notice. 

If you breach any of these Terms of Use, your right to use this website will cease immediately and you must, at our option, return or destroy any copies of materials you have made. 

These Terms of Use are for the benefit of 123. If any of these provisions should be determined unlawful, invalid or otherwise unenforceable by reason of law then, to the extent and within the jurisdiction which that provision is found to be unlawful, invalid or unenforceable, then that provision shall be deleted and shall not affect the validity and enforceability of the remaining provisions which shall continue to be binding and in force. 

These specific Terms of Use and any claims or disputes arising therefrom (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Ireland and subject to the exclusive jurisdiction of the Irish Courts. A failure or delay by 123 in enforcing compliance with any provision of these terms of Use shall not be a waiver of that or any other provision of these Terms. 

None of these Terms shall be enforceable by any third party under the Contracts (Rights of Third Parties) Act, 1999 or otherwise. You may not assign any of your rights or obligations under these Terms of Use. 


If for any reason you wish to contact us, we can be reached at Customer Care Manager, 123.ie, Mountain View, Central Park, Leopardstown, Dublin 18 or call us at 01 524 6000.