Aon Ireland Legal Notice

Aon.ie Legal Notice

Aon.ie ("the Site") is owned and operated by Aon Ireland Limited ("Aon Ireland") whose registered office is 15 George’s Quay, Dublin 2, D02 VR98, Ireland. Aon.ie content ("the Content") is owned or licensed by Aon Ireland. Aon Ireland is a wholly owned subsidiary of Aon plc and references to "Aon" include references to Aon plc and other companies in the Aon group.

Please read these terms and conditions. By accessing and using the Site you are agreeing to these terms and conditions (including the Aon.com Legal and Privacy Notice). You must read the important disclaimers which follow as they affect your use of the Site.

These terms and conditions may be amended by Aon Ireland from time to time. Your use of the Site following such changes constitutes your acceptance of these changes.

Aon Ireland reserves the right at any time and without notice to enhance, modify, alter, suspend, or permanently discontinue all or any part of the Site and to restrict or prohibit access to it.

Copyright

The content contained in this Website, including but not limited to all design, text, sound recordings, and images, is owned, except as otherwise expressly stated, by Aon plc or one of its subsidiaries ("Aon"). Except as otherwise expressly stated herein or to the extent permitted by law, the content may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Aon’s prior written consent. Users of this site may be permitted to download certain material posted on this site (e.g. white papers). When using downloadable materials, all copyright, trade mark, and other proprietary notices must be kept intact and remain in effect.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Aon or of any third party.

Trademarks

The trademarks, service marks, trade names, and logos (“Marks”) associated with this Website are owned by Aon, or third parties who have authorized their use. Nothing contained on this Site should be construed as granting any license or right to use any Mark displayed on the Side without the written permission of Aon or such third party that may own the Mark. Misuse of any Marks, or any other content, displayed on this website is prohibited.

Content, Limitation  Liability

Aon makes no representations or warranties of any kind, express or implied, regarding the content, accuracy, reliability, or availability of this Site or any materials contained herein. All implied warranties, including but not limited to warranties of merchantability, title, non-infringement, and fitness for a particular purpose, are hereby expressly disclaimed by Aon to the fullest extent permitted by law.

Except as expressly provided by applicable law, Aon shall not be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages, including but not limited to loss of profits, revenue, data, goodwill, use, or other intangible losses, arising out of or in connection with:

• access to, use of, or inability to use the Site,
• reliance on any information presented on the Site,
• the performance or non-performance of the Site,
• suspension, interruption, modification, or termination of access to the Site,
• or any information, content, or materials appearing on or linked to the Site, regardless of the form of action (including but not limited to contract, or negligence or other tortious actions).

This limitation of liability shall apply to the fullest extent permitted by applicable law and does not exclude liability which cannot be excluded or limited under such law.

While Aon believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Aon does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Aon may make changes in the products and/or services described herein, however, Aon makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites

Some of the sites listed as links herein are not under the control of Aon. Accordingly, Aon makes no representations whatsoever concerning the content of those sites. The fact that Aon has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Aon with respect to such site, its owners or its providers. Aon is providing these links only as a convenience to you. Aon has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Aon cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Recommendation Disclosure

Aon plc, including all of its subsidiaries and affiliates, maintains relationships with clients and business partners around the world. When Aon recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of Aon's clients or business partners.

Aon maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. Aon also files necessary disclosures with all governmental regulators.

If you have any questions about an Aon recommendation or mention of another business entity (or about an entity with whom Aon conducts business), please follow-up with your Aon contact person. Aon is committed to serving our clients in a transparent manner.

Fee/Commission Disclosure

Subsidiaries of Aon plc that provide retail, wholesale and reinsurance brokerage, risk management, underwriting management, captive management and benefits consulting may receive remuneration as commissions or fees paid by an insurer; fees paid by a client in lieu of, or in addition to, commissions; and investment income on premiums, claim payments and return premiums temporarily held as fiduciary funds. In certain circumstances, one or more of these affiliates may also receive compensation in the following forms: commissions or fees paid to reinsurance brokerage or captive management companies for placement or management of reinsurance of a client’s risk; commissions or fees paid to a wholesale broker to which a risk has been referred for placement; commissions or fees paid for premium financing; and compensation paid by underwriters for performance of technical or other services.

If you have any questions regarding the nature or amount of the compensation paid to any Aon company on your account, we encourage you to contact the head of the Aon office that services your account.

In addition, Aon has committed to provide, upon request, detailed year-end summary information to our clients on compensation we receive from insurers or other third parties in connection with the placement, renewal, consultation on or servicing of policies.

Export Controls

Some software from this Site may be subject to export controls imposed by the United States of America and may not be downloaded or otherwise exported or re-exported: (a) into (or to a national resident of) any country to which the U. S. has placed an embargo; (b) to everyone on the U. S. Treasury Department's Specially Designated Nationals list; or (c) the U. S. Commerce Department's Table of Denial Orders. If you download or use the software, you represent and warrant that you are not located in, or under the control of, or a national of any such country or on such list.

Collection & Storage of Data

Aon gathers data containing information about its clients and their insurance placements, including, but not limited to, names, industry codes, policy types, and policy expiration dates, as well as information about the insurance companies that provide coverage to its clients or compete for its clients’ insurance placements. This information is maintained in one or more databases.

Aon may use or disclose information about its clients, if required to do so by law, Aon policy, pursuant to legal process or in response to a request from law enforcement authorities or other government officials. In addition to being used for the benefit of Aon’s clients, these databases also may be accessed by other Aon affiliates for other purposes, including providing consulting, and other services to insurance companies for which Aon or its affiliates may earn compensation.

Due to the global nature of services provided by Aon, the personal information that clients may provide may be transmitted, used, stored and otherwise processed outside the country where clients submitted that information. For further information regarding Aon's data privacy practices, please see Aon's Privacy Statement.

Safe Harbor Statement

The content contained in this website contains certain statements related to future results, or states Aon’s intentions, beliefs and expectations or predictions for the future, all of which are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from either historical or anticipated results depending on a variety of factors. These forward-looking statements include information about possible or assumed future results of Aon’s operations. All statements, other than statements of historical facts, that address activities, events or developments that Aon expects or anticipates may occur in the future, including such things as our outlook, market and industry conditions, including competitive and pricing trends, the development and performance of our services and products, our cost structure and the outcome of cost-saving or restructuring initiatives, including the impacts of the Accelerating Aon United Program, the integration of NFP, actual or anticipated legal settlement expenses, future capital expenditures, growth in commissions and fees, changes to the composition or level of our revenues, cash flow and liquidity, expected tax rates, expected foreign currency translation impacts, business strategies, competitive strengths, goals, the benefits of new initiatives, growth of our business and operations, plans, references to future successes, and expectations with respect to the benefits of the acquisition of NFP are forward-looking statements. Also, when Aon uses words such as “anticipate”, “believe”, “continue”, “could”, “estimate”, “expect”, “forecast”, “intend”, “looking forward”, “may”, “might”, “plan”, “potential”, “opportunity”, “commit”, “probably”, “project”, “positioned”, “should”, “will”, “would” or similar expressions, it is making forward-looking statements.

The following factors, among others, could cause actual results to differ from those set forth in or anticipated by the forward looking statements: changes in the competitive environment, due to macroeconomic conditions (including impacts from instability in the banking or commercial real estate sectors) or otherwise, or damage to Aon’s reputation; fluctuations in currency exchange, interest, or inflation rates that could impact our financial condition or results; changes in global equity and fixed income markets that could affect the return on invested assets; changes in the funded status of Aon's various defined benefit pension plans and the impact of any increased pension funding resulting from those changes; the level of Aon’s debt and the terms thereof reducing Aon’s flexibility or increasing borrowing costs; rating agency actions that could limit Aon’s access to capital and our competitive position; volatility in Aon’s global tax rate due to being subject to a variety of different factors, including the adoption and implementation in the European Union, the United States, the United Kingdom, or other countries of the Organization for Economic Co-operation and Development tax proposals or other pending proposals in those and other countries, which could create volatility in that tax rate; changes in Aon’s accounting estimates or assumptions on Aon’s financial statements; limits on Aon’s subsidiaries’ ability to pay dividends or otherwise make payments to Aon; the impact of legal proceedings and other contingencies, including those arising from acquisition or disposition transactions, errors and omissions and other claims against Aon (including proceeding and contingencies relating to transactions for which capital was arranged by Vesttoo Ltd. or related to actions we may take in being responsible for making decisions on behalf of clients in our investment business or in other advisory services that we currently provide, or may provide in the future); the impact of, and potential challenges in complying with, laws and regulations in the jurisdictions in which Aon operates, particularly given the global nature of Aon’s operations and the possibility of differing or conflicting laws and regulations, or the application or interpretation thereof, across jurisdictions in which Aon does business; the impact of any regulatory investigations brought in Ireland, the U.K., the U.S. and other countries; failure to protect intellectual property rights or allegations that Aon infringes on the intellectual property rights of others; general economic and political conditions in different countries in which Aon does business around the world; the failure to retain, attract and develop experienced and qualified personnel; international risks associated with our global operations, including geopolitical conflicts, tariffs, or changes in trade policies; the effects of natural or human-caused disasters, including the effects of health pandemics and the impacts of climate related events; any system or network disruption or breach resulting in operational interruption or improper disclosure of confidential, personal, or proprietary data, and resulting liabilities or damage to our reputation; Aon’s ability to develop, implement, update and enhance new technology; the actions taken by third parties that perform aspects of Aon’s business operations and client services; Aon’s ability to continue, and the costs and risks associated with, growing, developing and integrating acquired business, and entering into new lines of business or products; Aon’s ability to secure regulatory approval and complete transactions, and the costs and risks associated with the failure to consummate proposed transactions; changes in commercial property and casualty markets, commercial premium rates or methods of compensation; Aon’s ability to develop and implement innovative growth strategies and initiatives intended to yield cost savings (including the Accelerating Aon United Program), and the ability to achieve such growth or cost savings; the effects of Irish law on Aon’s operating flexibility and the enforcement of judgments against Aon; adverse effects on the market price of Aon’s securities and/or operating results for any reason, including, without limitation, because of a failure to realize the expected benefits of the acquisition of NFP (including anticipated revenue and growth synergies) in the expected timeframe, or at all; and significant integration costs or difficulties in connection with the acquisition of NFP or unknown or inestimable liabilities. Any or all of Aon’s forward-looking statements may turn out to be inaccurate, and there are no guarantees about Aon’s performance. The factors identified above are not exhaustive. Aon and its subsidiaries operate in a dynamic business environment in which new risks may emerge frequently. Accordingly, you should not place undue reliance on forward-looking statements, which speak only as of the dates on which they are made. In addition, results for prior periods are not necessarily indicative of results that may be expected 7 for any future period. Further information concerning Aon and its businesses, including factors that could materially affect Aon’s financial results, is contained in Aon’s filings with the SEC. See Aon’s Annual Report on Form 10-K for the year ended December 31, 2024 for a further discussion of these and other risks and uncertainties applicable to Aon and its businesses. These factors may be revised or supplemented in subsequent reports filed with the SEC. Aon is not under, and expressly disclaims, any obligation to update or alter any forward-looking statement that it may make from time to time, whether as a result of new information, future events or otherwise.

General

These terms (including Privacy Policy Notice) shall be governed by, and construed in accordance with, laws of the Republic of Ireland and you irrevocably agree that the Courts of the Republic of Ireland are to have non-exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms.

If any provision of this Notice is determined by a court of competent jurisdiction to invalid or unenforceable in whole or in part, the validity and enforceability of the remainder of the provision in question and of the remaining provisions of this Notice shall be separate and several and construed and enforceable accordingly and shall continue in full force and effect.

The headings contained in this Notice are for reference only and should not be incorporated into this Notice and shall not be deemed to be any indication of the meaning of the clauses to which they relate.