Effective Date: 22 June 2026
These Terms of Use govern your access to and use of the website located at kunolu-pasopo.info (the "Website"), operated by Kunolu Pasopo, an editorial project based at 31 Eyre Square, Galway, H91 P5Y8, Ireland. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website.
These Terms are governed by Irish law and, where applicable, the laws of the European Union, including but not limited to the European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013, the Electronic Commerce Act 2000, and the Consumer Rights Act 2022.
This Website is an independent editorial information project. Its purpose is to present published research and publicly available information about the psychological and emotional aspects of personal debt, and to signpost publicly funded support services in Ireland and the European Union.
Nothing on this Website constitutes financial advice, investment advice, legal advice, psychological counselling, or any other form of professional advisory service. We are not regulated by the Central Bank of Ireland, the Financial Conduct Authority, or any other financial regulatory body. We are not registered as a debt management company.
All content is provided for general informational and educational purposes only. You should not act on information obtained from this Website without first seeking appropriate professional advice from a qualified and regulated professional.
All original content on this Website, including editorial text, design elements, and visual materials, is the intellectual property of Kunolu Pasopo and is protected by copyright under Irish law (Copyright and Related Rights Act 2000) and applicable EU copyright law.
You may access and view content on this Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Website without our prior written permission.
Where we reference or summarise third-party research, we do so in accordance with fair use principles and with attribution where appropriate. We do not claim ownership of third-party research findings.
We make reasonable efforts to ensure that information on this Website is accurate and up to date at the time of publication. However, we do not warrant that all information is complete, accurate, or current. Research findings, service details, contact information, and regulatory frameworks may change.
In particular, information about third-party services (such as MABS, ISI, FLAC, ECC Ireland, and others) is provided for reference only. You should verify current details directly with those organisations before relying on them. We have no affiliation with, control over, or responsibility for any third-party service described on this Website.
To the fullest extent permitted by applicable Irish and EU law, Kunolu Pasopo accepts no liability for any loss or damage, whether direct, indirect, incidental, or consequential, arising from your use of or reliance on information published on this Website.
This limitation applies to losses arising from inaccurate information, decisions made based on information from this Website, inability to access the Website, or any other matter relating to your use of the Website. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other matter that cannot be excluded under Irish law.
This Website may contain links to external websites. We do not control those websites and accept no responsibility for their content, privacy practices, or availability.
You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not use this Website to transmit harmful, offensive, or unlawful content; to attempt to gain unauthorised access to any part of the Website or its underlying systems; or to interfere with the operation of the Website in any way.
We reserve the right to restrict or terminate access to this Website at any time, without notice, where we have reason to believe these Terms have been violated.
Your use of this Website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. Please read those documents carefully. They explain how we collect, use, and protect personal data, and how we use cookies and similar technologies.
These Terms are governed by the laws of Ireland. Any dispute arising in connection with these Terms or your use of this Website shall be subject to the non-exclusive jurisdiction of the courts of Ireland.
If you are a consumer in the EU, you may also have rights under the applicable law of your country of residence, and you may be entitled to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
We may revise these Terms from time to time. Changes will be indicated by an updated effective date. Continued use of this Website after revised Terms are posted constitutes acceptance of those Terms. We recommend reviewing this page periodically.
For any questions about these Terms, please contact us at [email protected] or at our postal address: 31 Eyre Square, Galway, H91 P5Y8, Ireland.