Terms & Conditions

Terms and Conditions of Use

Last updated: 4th September 2018

Legal Information, Disclaimer and Copyright

Please read these terms and conditions carefully before using this website. Evan Hughes t/a PSRA reserves the right, at its sole discretion, to change, modify or remove part of this legal notice at any time. Please check this page periodically for changes.


The material and information in this site and in the sites of other entities of PSRA are provided "as is" and without warranties of any kind, either expressed or implied. PSRA and its subsidiaries and affiliates disclaim all warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. PSRA does not represent or warrant that any of the information presented on its web pages, this website or on the internet generally, will be uninterrupted or error free, that defects will be corrected, or that this website or the server from which it is accessed are free from viruses, worms, trojan horses or other harmful components.

In no event shall PSRA be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of PSRA is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

Intellectual Property

Unless otherwise noted, the graphic images, button, layout, and text contained in this website and in the sites of other PSRA companies or their related, affiliated and subsidiary companies are the exclusive property of PSRA and/or its related, affiliated and subsidiary companies or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of PSRA or its related, affiliated and subsidiary companies. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.


PSRA and its related, affiliated and subsidiary companies can not guarantee that the hyperlinks, pointer or other linking functions ("Hyperlink") set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by Hyperlinks are developed and possibly maintained by persons over whom PSRA or its related, affiliated and subsidiary companies have no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, PSRA and/or its related, affiliated and subsidiary companies assume no responsibility for the content of any sites referenced to by any Hyperlink or otherwise. PSRA and/or its related, affiliated and subsidiary companies believe that their making Hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Some pages on this site contain hypertext links to websites not maintained by PSRA. You are reminded that when you enter other websites via hypertext links you will not be subject to these terms and conditions and you will not benefit from the protection afforded to you by using this site. You may not provide hyperlinks to this website without the prior written consent of PSRA.

Data Protection

PSRA and/or its related, affiliated and subsidiary companies are committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. PSRA and/or its related, affiliated and subsidiary companies are not obligated to monitor any transmission made through the respective web pages and newsgroups. However, PSRA and/or its related, affiliated and subsidiary companies have the right, but not the obligation, to monitor any transmission made to and for this website. PSRA and/or its related, affiliated and subsidiary companies may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and PSRA and/or its related, affiliated and subsidiary companies.

The user accepts that any transmission of mail via the Internet may be subject to interference from third parties or incorrectly delivered and therefore may not continue to remain as confidential. Therefore, PSRA cannot guarantee the privacy or confidentiality of any information, whether or not relating to the User, passing over the Internet. PSRA is not responsible for any loss or damage that could result from interception by third parties of any information made available by you via this site.

The information that you provide via the website to PSRA and/or its related, affiliated and subsidiary companies will be held by PSRA and/or its related, affiliated and subsidiary companies and is not made available to any organisation except as required by law. From time to time we may send you details of other products and services available from PSRA. If you would prefer not to receive details of such offers, please advise us. Please also refer to our privacy policy available on this site.

Software Quality

PSRA and/or its related, affiliated and subsidiary companies do not warrant that any information, software or other material accessible through one of their web pages is free of viruses, worms, trojan horses or other harmful components. PSRA and/or its related, affiliated and subsidiary companies assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through one of its web pages, this website or the website of any linked third parties.

User Conduct

When accessing or making use of any service provided on the web pages you may not:

·         post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;

·         post or transmit any information or software which contains a virus, worm, trojan horse or other harmful components; restrict or inhibit any other user from using the website;

·         post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through our web pages for commercial purposes other than expressly permitted.

Legal and Technical Information

Information contained herein does not constitute an offer or solicitation of investment services or constitute an offer to buy or sell any products of the company or its subsidiaries or associated companies in any jurisdiction in which such distribution or offer is not authorised or which are not available for distribution in the jurisdiction of the reader of this information. If you are in any doubt as to whether this site can be accessed by you, please do not proceed any further.

Information appearing on the pages of this website is provided in accordance with and subject to the laws of the Republic of Ireland and you are hereby advised that by the virtue of your browsing or accessing these pages you have accepted the laws of the Republic of Ireland as the law governing the conduct and operation of this website. The courts of the Republic of Ireland shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with the website and its use and not necessarily any transaction arising therefrom.

The information provided in the pages of the website is subject to change and update from time to time. Every time you access web pages of PSRA and/or its related, affiliated and subsidiary companies, make sure that you check this page. It is important to note that PSRA does not take any responsibility for the accuracy of the information provided and the use of such information is at the User's sole risk. PSRA accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this website.

The use of the website is at the User's sole risk. PSRA accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this website.

PSRA reserves the right to reject any application prior to the issue of the Policy Document. Although the premium is due when you apply for the policy, this does not signify acceptance of your application.

The information contained in this website and any related documentation is based on our understanding of current Irish legislation. The tax and legislative information contained in this website is based on PSRA’s current understanding of tax law and practice which may change in the future. PSRA recommends that you seek your own professional advice.

Details of some of PSRA’s policies are available on this site. You must read these together with the relevant literature before you complete an application.

These pages are updated and modified from time to time. Every time you access web pages of PSRA and/or its related, affiliated and subsidiary companies, make sure that you check this page.

Evan Hughes trading as PSRA is regulated by the Central Bank of Ireland. The registered office address is F3 Maynooth Business Campus, Maynooth, Co Kildare.

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What our clients say
Our Testimonials

“I have been delighted with the service provided by PRSA. Evan Hughes has been a dependable and clear guide through the maze of financial constraints and possibilities in advance of retirement. I've been able to turn to him with every sort of financial question and have been consistently well advised”

Prof Lawrence Taylor, Associate Vice-President for International Affairs, Maynooth University

I've had a very positive experience of PSRA , specifically their representative Joe Murray. Over the course of an advisory session he clarified various matters ranging from life assurance, salary protection and AVCs. Joe also discovered that I was due a tax refund and this, together with savings on two other insurance products, left be better off by €1400 - not bad for an afternoon's work! Joe is patient and extremely clear and he explained pensions to me in a way that was coherent and accurate. I would highly recommend this service.

Leo Hogan, School Principal

It is my pleasure to recommend Clodagh Byrne of PSRA. During the past year, I have been very impressed and pleased with the top-notch professional and personal service Clodagh has provided in the area of retirement planning and investments. She crunches the numbers efficiently and explains all options clearly so that I can make informed, confident choices and decisions. Truly, she has helped me to navigate smoothly and successfully across the complex terrain of pensions and retirement planning. I thank Clodagh Byrne for all her help and highly recommend her to anyone who is looking for sound retirement advice—without any sales pressure. I look forward to working with Clodagh throughout my career as a teacher.

Michael Schwartz, Teacher, Waterford

Original contact with Evan Hughes of PSRA, in Beaumont Hospital. Consistent personal professional attention from Mr Hughes. Sound financial advice and pension planning. I have recommended Mr Hughes to colleagues and friends and no hesitation in doing so again.

Prof Anthony Cunningham, Medical Director Galway Clinic

Ciarán Hughes was recommended by a friend working in the HSE. Starting out in my career I wanted to get salary protection sorted and to find out about my pension situation. Ciarán went through everything with me, and explained the different aspects clearly. It was a relief to get everything sorted and out of the way. I have recommended Ciarán to friends and colleagues.

Jenny Algar, Veterinarian Surgeon, Dept. of Agriculture & Private practice.

I was first introduced to PSRA at a retirement presentation delivered by Evan Hughes. The talk was extremely informative, to the point, and helpful in preparing for retirement. Evan aided me throughout the process of retirement and continues to advise on my finances. I highly recommended that anyone seeking retirement and investment advice turn to PSRA.

Rod Green, Teacher, Dublin

On my recent retirement, PSRA consultant, Ciarán Hughes provided me with clear, concise and sound information on all aspects of financial planning and investments. He explained all my options in detail and was happy to answer any questions I had. He met with me on a number of occasions to tease things out and was also available by phone or e mail to deal with any other concerns I had. I am confident that I received accurate, impartial advice and was facilitated in every way, to plan astutely for my future. I would highly recommend PSRA to anyone requiring financial advice.

Ann Gallagher, Retired Teacher, Sligo

I am delighted to strongly recommend Evan Hughes - PSRA who on the advice of a satisfied colleague, have been managing my financial affairs very effectively with excellent outcome despite the hazards of the economically turbulent previous decade or so.Meetings were easily promptly arranged at times and locations convenient to me during a very busy phase. They are always relaxed, pleasant, interesting and enjoyable. Advice is clear and logical without pressure, obviously based on wide experience. Potential outcomes good and bad are laid out clearly and the outcomes despite the turbulent markets were good and as predicted without unpleasant surprises (and no tendency to churn).I strongly recommend Evan and PSRA to be consulted for guidance before involving themselves in the treacherous financial markets and investments, confident that the advice they receive will definitely be beneficial and profitable.

Michael (& Mary) O’Reilly FRCPI, FACC, FRCP(C), Consultant Cardiologist

While my previous contact with financial consultants had always left me feeling confused, unsure and not fully informed, my experiences with PSRA consultant Clodagh Byrne were dramatically different. Clodagh is a clear thinker, an excellent communicator, very knowledgeable, well informed, patient and understanding. She has a professional manner and willingly invests time in our consultations. I have total confidence in the comprehensive, expert and sound advice I received. As a result I have already and will continue to recommend PSRA to my colleagues.

Vincent McDonnell, Retired Teacher, Wexford.

I got a lot of advice from friends when I was thinking of retirement. Unfortunately it was not accurate, everyone's situation is a little different. I was delighted with the expert help and advice I got from Evan Hughes. PSRA give very efficient and friendly service at a very reasonable cost. It worked well for me.

Christina Quirke, Nurse, Dublin

“I came to PSRA in 2010 the year I retired. It was recommended to me by a colleague at work. I have had very good advice from Evan Hughes initially on setting up the ARF. I have had annual reviews which have been satisfactory and efficient. I am very happy with the service I have had over the years and have no hesitation in recommending PSRA.”

Dr Joseph A. Tracey, formally of Beaumont Hospital.

“I was very happy with my one to one consultation which outlined all the available options to me. I felt my consultant’s knowledge was extensive and he portrayed the information in an easy to understand manner. I feel the independent advice aided my decision-making process and I am very happy with my policy.”

Nicola (surname withheld), Occupational Therapist

I'm delighted to have the opportunity to recommend Clodagh Byrne. From the moment I met her a few years ago I have felt very comfortable with her. She takes time to explain everything very clearly. She has advised me on AVC, life assurance and investment issues. I took early retirement last summer and she has been very helpful in organising my paperwork. She has given me clear advice on investment. She is a very good listener and I have never felt any pressure, just clear advice tailored to my needs. It has always been a pleasure to have meetings with her and I hope to continue to benefit from her advice in the future.

Brid Larkin, Retired Primary Teacher, Waterford

I retired at an earlier age than usual from the Public Health Service five years ago and for the past seven years, Evan Hughes of PSRA has been excellent and indispensable in advising, negotiating and implementing my pension and investments. I would recommend PSRA to my colleagues because Evan is a very nice and patient person who is meticulous and professional in his advice and has provided maximum benefits for my family and continues to review my pension and investments.

Retired Consultant Medical Practitioner (Name withheld)

I first met PRSA consultant Ciaran Hughes when he made a presentation to teachers in The Carrick on Shannon Education Centre where the information he disseminated was clear and easy to understand which was important to me as I was approaching retirement. My husband and I both retired recently and the information he provided was at all times concise, objective and appropriate to our needs. He explained all options in detail and answered all of our many questions. He was patient, courteous and good humoured as he went through the different options and through his sound and at all times impartial advice helped us explore different scenarios and find products that suited our needs. He met with us and was also available by phone and email and I really appreciated the support at this transitional time. I have strongly recommended Ciaran and PRSA to a number of friends and will continue to do so.

Mary (surname withheld), Retired Teacher, Longford.

I joined PSRA to have some reasonable pension at retirement to live a decent lifestyle. My friend introduced Evan Hughes to me. He provided honest and good service to me and is always there to help any concerns or query. Although I have invested in Sharia Compliant funds which have risks, this has been explained to me and well managed. I will certainly recommend friends to take help and services of Mr Evan Hughes.

Dr Tallat Ejaz, Mullingar Hospital

I have been dealing with PSRA consultant, Ciarán Hughes, for approximately six years and I have always been extremely satisfied with the advice rendered. While I was teaching he advised on all matters financial: Salary Protection, Health Insurance, Life Cover. He explained everything very concisely and his recommendations were impartial, based on his vast knowledge and experience. Upon my retirement Ciarán presented comprehensive and wide-ranging options for investment. Ciarán has responded promptly to all queries and has done so with extraordinary patience, clarity and good humour. It remains a pleasure to deal with him.

Bernadette James, Retired Teacher, Sligo

I was very pleased with my recent meeting with Clodagh Byrne. This was the second time in the past few years I have availed of her excellent financial expertise. As always, she was lovely and friendly, explained everything very clearly and was practical and realistic with her advice. I have met with other financial advisors before and always felt they were trying to 'sell' me what they wanted, but with Clodagh I feel she genuinely strives to provide the best advice and service suited to my situation. She has advised both myself and my husband on AVCs, life assurance, salary protection, health insurance and tax. She is always very helpful in organising necessary paperwork and quick to reply to concerns or questions following a visit. I have often felt out of my depth trying to understand pensions and taxes but Clodagh explains everything so well and in a manner where I am comfortable asking any question no matter how simple. I fully intend to have further meetings with her every few years to review my financial situation and will look forward to her pleasant and knowledgeable manner.

Helen Stafford, Teacher