Fortnight Publications Ltd.
Mixed Marriages: Can the Problem Be Solved?Source: Fortnight, No. 108 (Jul. 4, 1975), pp. 4-7Published by: Fortnight Publications Ltd.Stable URL: http://www.jstor.org/stable/25545464 .
Accessed: 28/06/2014 18:26
Your use of the JSTOR archive indicates your acceptance of the Terms & Conditions of Use, available at .http://www.jstor.org/page/info/about/policies/terms.jsp
.JSTOR is a not-for-profit service that helps scholars, researchers, and students discover, use, and build upon a wide range ofcontent in a trusted digital archive. We use information technology and tools to increase productivity and facilitate new formsof scholarship. For more information about JSTOR, please contact [email protected].
.
Fortnight Publications Ltd. is collaborating with JSTOR to digitize, preserve and extend access to Fortnight.
http://www.jstor.org
This content downloaded from 141.101.201.138 on Sat, 28 Jun 2014 18:26:19 PMAll use subject to JSTOR Terms and Conditions
4/FORTNIGHT > ?????' I ? ' ?? ?????????? III IH. I ??? I .I. I ii ??I II I II ?i?? ,
Mixed Marriages: Can the Problem Be Solved? The clash of personalities between Father Des Wilson and Bishop Philbin has obscured the more important issues which lie beneath Father
Wilson's resignation. The most
important of these is the need in the
present political situation far the Roman Catholic Church to give leadership to its members on the vexed issues of mixed marriage and
segregated education. In this issue we
look in depth at the position of each of the main churches on mixed
marriages, and at the real and irrational fears of the Protestant
community North and South of the border. . . . A
* * * *
1. The Problem The issue of mixed marriage and
separate education has arisen in every country where there are substantial Roman Catholic and Protestant communities. The fundamental prob lem is the claim of the Roman
Catholic Church to be the one true
Church; in the words of Father Devine in a recent article on mixed marriage (Reality, May 1975), 'God's plan for the salvation of mankind through his Church, which subsists only in its fullness in the Roman Catholic
Church' imposes an obligation of divine law on the Catholic to bring up his children as Catholics. This law, as
explained by the recent International Consultation on Mixed Marriage held in Dublin last autumn, is not created
by the Pope's decrees but merely given human and practical effect by them. Protestant denominations make no, such claim to exclusive religious truth and find it impossible to accept the Roman Catholic position.
It is this basic clash which has
prevented any real progress being made at the Ballymascanlon talks. The Roman Catholic position has been eased in recent years, as shown in the panel opposite, but it is still a rule of the Church that any' Roman Catholic must have permission from his or her bishop before entering into a
marriage with a non-Catholic, whether in a Catholic church or anywhere else. If he or she proceeds to get married in a registry office or in a Protestant
church without permission the
marriage is not recognised by the Roman Catholic Church, and the Roman Catholic is technically living in
sin, and may be debarrred from communion and other benefits of church membership.
The problem in Ireland has been made worse by the extremely conservative attitude taken by many Roman Catholic bishops on the
granting of dispensations, particularly in the Cork diocese under Bishop Lucy and to a lesser extent in Down and Connor under Bishop Philbin. In areas like these a written undertaking
may still be required from the Catholic
party to secure the promise which is
required under Canon Law about the education of the children. The only ground on which a dispensation will be readily granted allowing the Roman Catholic to be married in a Protestant Church is when the Protestant party is son or daughter of a clergyman. Before any dispensation is granted, even if the marriage is to take place in the Roman Catholic
Church, the priest must fill in the form
printed opposite, which requires him to report on the likelihood of the Catholic's promises being carried out.
2 Protestant fears Protestants' reaction to this attitude is a mixture of annoyance and fear.
They are annoyed at the inconsisten cies of the Roman Catholic position which adopts broad statements about freedom of conscience and mutual
respect, as in Vatican II and even in the report of the Ballymascanlon Con
ference, but seems in practice to deny the equal rights of the Catholic and Protestant partners. And they are afraid that the results of the'hard line attitude of the Roman Catholic Church on granting dispensation will be a progressive weakening of the Protestant community both North and South of the border. It is is this fear which in the words of the Irish Foreign Minister, Dr Garret FitzGerald
speaking to the International Consul tation last September, makes the issue of mixed marriages one of the most divisive in Protestant/Catholic rela
tions both in the Republic and in Northern Ireland.
In the Republic the fear is very simply that the Protestant community
will slowly and inexorably be
extinguished, a fear which is expressed primarily by Church of Ireland
ministers. The plain figures are hard to contest on this issue: in 1901 there
were 343,000 Protestants in the
Twenty Six Counties; in 1961 the figure had declined to a mere 144,000 and appeared to be dropping by upwards of 10% each decade. In an
important article in 1971, on Religion
THE CHURCH OF IRELAND POSITION: INSTRUCTION TO CLERGY FROM THE HOUSE OF BISHOPS, JANUARY 1975
/. Initially there should be consultation with both partners of the intended marriage. At this consultation the Church of Ireland
doctrine of Holy Matrimony should be
explained, and it should be clearly indicated that the marriage can be solemnised in a
Church of Ireland Church according to the rites prescribed in the Book of Common
Prayer, with all legal and spiritual propriety, and without the requirement of any prior promises concerning the baptism and
upbringing of any children ofthe marriage. 2. Further, where possible, there should be
joint consultation involving both partners with the respective Church of Ireland and Roman Catholic clergy in which assurance should be sought that the 'pro viribus' clause in the Motu Proprio regulations .. . will not be interpreted as to exclude the partners
from exercising freely their responsibility in conscience regarding the baptism and
upbringing of any children ofthe marriage. 3. At this joint consultation arrangements
for the joint pastoral care of the family should be discussed and agreed by the
respective clergy, recognising the equal responsibility of both churches and the
equal responsibility of both partners for the
religious upbringing of the children. 4. If the partners freely decide to be married in a Church of Ireland Church . . . the
Church of Ireland clergyman may, in consultation with the partners . . . invite the
clergyman ofthe Roman Catholic partner to assist in the marriage ceremony, remember
ing that the administration ofthe vows must be reserved in all cases . .. to the Church of Ireland clergyman.
If the partners decide freely to be married in a Roman Catholic church and the Church
of Ireland clergyman be invited to take part in the marriage service he should accept such invitation only if the assurance sought in section 2 is given and if the arrangement
for joint pastoral care in section 3 is agreed.
^ ^ ^ VHHHB
This content downloaded from 141.101.201.138 on Sat, 28 Jun 2014 18:26:19 PMAll use subject to JSTOR Terms and Conditions
FRIDAY 4th JULY 1975/5 I- -'
and Demographic Balance in Ireland Brendan Walsh isolated four main factors in the decline of the Protestant
population in the Republic: high age, low fertility and marriage rates, and the mixed marriage phenomenon. By 1975 he had amended his position somewhat in claiming that mixed
marriages as such have not had an
important impact on Protestant
birthrates. But his original view is
supported by a study of what happens in mixed marriages in the Ferns
diocese in the Wexford area. In 1973 H W Robinson published a very detailed study of the Church of Ireland community in the diocese
which showed that of the 94 children of the 61 mixed marriages covered in the study 86 were being brought up as
Roman Catholics and only eight as
Protestants. Whether these figures are the natural result of a small minority community intermarrying with a
majority community or are directly due to the Roman Catholic position on
mixed marriages is arguable. But the Protestant community in the Republic certainly feels itself to be at risk,
particularly in rural areas, and the conservative attitude of the Roman Catholic hierarchy seems to many to be deliberately geared towards
continuing the process of absorption.
3, The Northern position Fears of the extinction of the Protestant community in Northern Ireland are clearly irrational. But the
equally emotive fear that Roman Catholics will increase sufficiently to outvote the Unionists is quite enough to make mixed marriages an even
more divisive issue than in the South. The figures which are available do
not suggest that this is a very rational
fear, at least in the short term. In the
country areas, as exemplified by the Roman Catholic diocese of Armagh, the proportion of mixed marriages celebrated in Roman Catholic churches is relatively low: between 1971 it declined from just over 5% to 3% of all Roman Catholic marriages. In Belfast and other urban areas the
figure is almost certainly higher; in some parishes it has been estimated that up to 25% of marriages in Roman
Catholic churches are mixed, though the overall figure is probably more like 10% of 15%. In contrast the
proportion of mixed marriages celebrated in Protestant churches is
much lower, as indicated by the Church of Ireland figure for Antrim, Down and Belfast, in 1974, of a mere
THE ROMAN CATHOLIC POSITION: MATRIMONIA
MIXTA (1970) (Extracts from Reality, May 1975)
The Roman Catholic attitude to mixed
marriage is often but inaccurately referred to as the Ne Temere decree. This decree was
originally issued by Pope Pius IX in 1907 and was primarily directed against secret
marriages by Roman Catholics; to
discourage this it declared that all Roman
Catholics were ipso facto excommunicated if they attempted marriage before a
non-Catholic minister. This was later
incorporated in the Code of Canon Law of 1918, which prescribed the following requirements for mixed marriages: (a) The non-Catholic pam> had to guarantee
to remove the danger of perversion ofthe Catholic party.
(b)Both parites had to give guarantees to
baptise and educate the children in the Roman Catholic faith alone,
(c) There had to be moral certainty that these guarantees would be fulfilled,
which was usually secured by demanding the promises in writing,
(di The Catholic was bound to strive with
prudence to convert the non-Catholic.
In 1966 a new instruction, Matrimonii Sac ramentum, was issued by Pope Paul VI.
Under this the Catholic party was to be instructed on the serious obligation of baptising the children and bringing them up in the Roman Catholic faith, and had to
make an express promise to do so; the non-Catholic was to be informed of the Catholic's obligation and had to promise .
sincerely hot to put any obstacle in the way of its fulfilment, a promise normally given in
writing; if the non-Catholic could not in conscience make such a promise the matter was to be referred to Rome.
In 1970 Pope Paul issued his Motu Proprio Matrimonia Mixta which modified still
further the conditions of dispensation under which the Catholic is permitted to marry a non-Catholic under the Code of Canon Law: (a) The'Catholic party must declare himself
ready to remove all dangers to his own
faith. (b) He must promise to do all in his power to
have the children baptised and educated in the Roman Catholic Church. .
(c) The non-Catholic is to be informed of these obligations of the Catholic, but he
himself is not required to make any promise.
This rule is currently enforced in Northern Ireland by requiring the priest who is
approached about a mixed marriage to
complete the following form which is sent to the Bishop of the diocese who may then
grant the. necessary dispensation.
FORM OF APPLICATION FOR 1 DISPENSATION FOR MIXED MARRIAGES'
My Lord Bishop, I request permission so that., a Catholic,
aged.of the Parish of..may lawfully and validly marry.not a Catholic, who was
baptised in the.denomination/has not been baptised. These two people have known each other for about.
They first came to make arrangements for marriage on.-.
and they would like the marriage to take place in the Church of
.on.at. The required instructions have been given; the Prenuptial Enquiry
form has been completed; and I have established their freedom to
marry. The Catholic has made the following declaration and promise
I DECLARE THAT I SHALL REMAIN STEADFAST IN THE CATHOLIC FAITH AND THAT I SHALL GUARD AGAINST ALL DANGERS OF FALLING AWAY FROM IT. ALSO I SINCERELY PROMISE TO DO EVERYTHING POSSIBLE TQ ENSURE THAT ALL THE CHILDREN BORN OF OUR MARRIAGE WILL BE BAPTISED IN THE CATHOLIC CHURCH AND CAREFULLY BROUGHT UP IN THE KNOWLEDGE AND PRACTICE OF THE CATHOLIC RELIGION.
Signed.Date. This declaration and promise has been explained by me/ and by the Catholic Party to the non-Catholic Party, whose reaction was.
I think the likelihood ofthe children being baptised and brought up as Catholics is very good/good/slight. I am satisfied that the ends and essential properties of marriage,
particularly its indissolubility, are not being excluded by either party. The circumstances ofthe case and the reasons why I recommend this
request are.
Signature of priest. Date.
People in need of Advice and Assistance may contact the NORTHERN IRELAND MIXED MARRIAGE ASSOCIATION
c/o 8 Upper Crescent, Belfast BT7 INT. Telephone 25008
This content downloaded from 141.101.201.138 on Sat, 28 Jun 2014 18:26:19 PMAll use subject to JSTOR Terms and Conditions
6/FORTNIGHT _
BALLYMASCANLON INTER-CHURCH MEETING
Report of Working Party on
Social and Community Problems
MIXED MARRIAGES ! Yb. As long as our Churches remain divided
Mixed Marriages will bring tensions, both
for the marriage partners and their children.
The acuteness of these tensions and of the
problems they create is likely to be in
proportion to the depths of the divisions
between the respective Churches and the
degree of Commitment felt toward their
teachings and disciplines by the parties concerned.
| 2. In some Mixed Marriages the members
I have indeed found an enriched sense of
j mutual respect and responsibility which has
strengthened rather than weakened personal i faith and the Church allegiance of each
party. In other cases such marriages have led
I to a weakening or even loss of personal faith
i and Church allegiance, bringing with it
grave harm to the spiritual welfare^ of the
children. Out of their experience, both the
Roman Catholic and Protestant Churches in
Ireland continue to advise their members
about the difficulties inherent in a mixed
marriage. 3. In Ireland where social and political division is often associated with ecclesiastical
affiliation, the pressures on Mixed
Marriages% can be intensified by non-theo
logical factors. This can have an injurious
effect not only upon the partners but also
upon their families, relatives and friends. We recognise that the Churches have a duty
j to help mitigate such situations by a more
effective education of their clergy and laity in respect for the rights both of those who
belong to their own Church and of those
whose traditions and convictions are
different. The responsibility for this falls upon the different Christian communities in
proportion to the influence they exercise in
any particular area.
4. Because of the deeply personal nature of the marriage relationship and of the way in
which it impinges upon Church members in
their daily lives it must be recognised that
Church teaching and attitudes in this field
I have a special importance for community relations. Should the tensions and problems
of mixed marriages be compounded by any*
failure to act in a spirit of sympathetic
understanding and pastoral care, those
responsible for such failure would be
neglecting a fundamental Christian duty. 5. Pastorally it is important that those who
intend to enter a mixed marriage should do so with genuine understanding for the
conscientious religious beliefs of the other
party. Pressures upon either partner to
I change Church membership simply to fulfil I marriage requirements and without real
conviction must be repudiated. 6. Full recognition should be given to the
basic principle that in a mixed marriage husband and wife alike have a Christian
duty to contribute spiritually to the
marriage, to their children's upbringing and to the general life of the home. Their
obligations in conscience towards God and
in relation to Church membership are
essentially of the same nature, whether
explicitly declared or not. Each party must
respect the inviolability of the conscientious
convictions of the other and seek to resolve
conflicts with the fullest regard for Christian
truth and love.
7. The tensions arising from Mixed
Marriages must be seen in the context ofthe
obligation on all Christians to be faithful to
the Will of Christ for His Church. To see the
problem only in terms of obstacles to
personal and community harmony, and not
also as a challenge to each Christian to
remain true, above all else, to his calling as a
member of Christ's Church, is to miss the
full range and seriousness of the issues with
which it confronts the Christian conscience.
A truly Christian approach to the problem also demands that in the delicate decisions
which have to be taken in this field considerations relating to Christian faith and love and the Christian understanding of
Marriage and parenthood should take
priority over social and economic factdrs. 8. We see no easy way in which to resolve the
basic problems of Mixed Marriages, such as
those arising from the Churches' different
ways of understanding the nature and
identity of the Church, the principles for
interpreting Scripture, obligations arising
from the demands of the moral law and the
relationship between Church Authority and
the freedom ofthe individual Inevitably the
impact of these differences on Mixed
Marriages is affected, also, by the approach
of the clergy involved. Pastoral instruction
and care should be undertaken by them in a
spirit of mutual respect and trust. Where
such a spirit exists it cannot but have a
beneficial effect on the relationship of the
married partners to each other.
9. We recommend that the Churches
establish a small joint Standing Committee to report annually to them on such general trends in Church practice concerning Mixed
Marriages as appear to involve difficulties or
misunderstandings calling for resolution or
clarification. 10. While differences between our Churches
in Marriage teaching and discipline, as
indicated in last years interim Report, remain unresolved, much even now depends
upon the spirit and the- degree of sensitivity in which traditions and directives are
interpreted and applied. We believe
therefore that each Church should review its
own practice in this light and frame directives and give guidance, both for their
ministers or priests and for their people, so
as to demonstrate concern for the Christian
conscience not only of their own members
but of those ofthe other Churches. It is our
opinion that this, supported by developing evidence of mutual goodwill and a cessation
of recrimination, would make an important contribution to the Christian life of our
country.
3% ; and of these most involved either
non-practising Roman Catholics or soldiers and other non-local Catholics. Nor has there been any substantial increase in Registry Office marriages. I
Overall the total proportion of Roman '
Catholic marriages has been creeping up, as shown by the Registrar
General's figures, while marriages in Protestant churches have been static or have declined proportionally. But even if the promises as to Catholic
upbringing are fully implemented, the net effect in terms of the balance of
political power is negligible, given the fact that other social pressures operate to ensure a higher Roman Catholic j emigration rate. If present trends continue there is no reason to suppose that the Protestant majority in
political terms is under any genuine threat.
On the other hand the maintenance of the restrictive attitude by Catholic
bishops to mixed marriages being celebrated in Protestant churches does I almost certainly help to maintain communal tensions. Churches with a Northern Irish outlook like the
Presbyterians respond by maintaining an almost equally disapproving attitude to mixed marriages. Some Protestants explicitly or unconsciously feel it necessary to maintain
discriminatory practices in employ- j ment to offset the effect of mixed
marriages. It is even possible to attribute the warded thinking which i
results in sectarian assassinations to the view that one Catholic less will
help to keep the voting power of the two communities in balance. The *j
explicit expression of the idea that Roman Catholics should keep up a
high marriage and birth rate in order to outbreed the Protestants by such
| Catholic propagandists as Father Faul in Dungannon does nothing to help the situation. In this sense the exclusive attitude of the Roman Catholic Church is part and parcel of the continuing political and social
problem of the two communities in Northern Ireland.
4. The need for a gesture It is in an attempt to break this reli-
j gious and political stalemate that
Father Desmond Wilson and others
have been campaigning for a more
open and understanding attitude on
the part of the hierarchy. The kind of
solution which he looks forward to, as a devout Christian, is one in which the
parties to a mixed marriage are
genuinely left to decide for themselves
m where to get married and how to bring I
This content downloaded from 141.101.201.138 on Sat, 28 Jun 2014 18:26:19 PMAll use subject to JSTOR Terms and Conditions
FRIDAY 4th JULY 1975/7 t
up their children. Much, could be
achieved, in his view, simply by
adopting the liberal interpretation of
existing Roman Catholic regulations which is applied in Britain and in most
European countries. He has suggested that both parties to the marriage be asked 'to use their best efforts of wisdom and grace in order to make sure that their children will have the benefit of worship and knowledge of
God.' If this were adopted and if as a
result there was greater equality in the number of mixed marriages celebrat ed in Protestant and Roman Catholic churches, and in the upbringing ofthe children, then the fears of the Protestants, both rational and irrational, and the hard political and social attitudes which go with them
might begin to decline. This is what Father Wilson means by calling on the
hierarchy to give a lead to the Roman Catholic people by making a gesture of friendship and understanding on
mixed marriage and on integrated education. In another sense he is
calling for the hierarchy to play their
part in the search for new attitudes and greater partnership which John Hume has been calling for in the
political sphere. The other path which churchmen
and believers on both sides fear is the drift towards the secular approach to
I
marriage which has overtaken even
the Roman Catholic community in Britain. A recently published study by Tony Spencer of the Social Studies
Department of Queen's showed that there had been a steady decline in.
England of all forms of religious observance among Catholics from
marriage to baptism and perseverance in worship; though the proportion of
mixed marriages in Catholic Churches in England had risen from 30% in 1958 to more than 46% in 1972, there
had been no corresponding increase in
practising members of the Catholic
community there, as would be
expected if the Matrrmonia Mixta
promises were being fu filled. As one Swedish minister attending an lnterchurch consultation on mixed
marriages in Ireland remarked, the churches in Ireland are lucky to have so many people bothering to get
married in church at all. If they continue with their present antiquated attitudes all we can look forward to is
continuing political and social confrontation. The only church which can really break the log-jam and solve the problem of mixed marriages is the
Roman Catholic Church. Is it too much to hope that Cardinal Conway and Bishop Philbin are seriously considering the issues which Father
Wilson has raised?
-1
MIXED MARRIAGES IN NORTHERN IRELAND
No official figures are collected of the number of mixed marriages. The Registrar-General publishes figures of marriages in the various denominational churches and in registry offices. The latest available figures are for 1973 and show a slight shift from church to registry office marriages since 1%5, but also a shift towards a greater proportion of marriages in Roman Catholic churches.
Marriages in 1965 1971 1973 RC Churches 3707 35% 4672 38% 4340 39% Cofl Churches 2388 22% 2446 20% 2161 19% Presbvterian Ch. 3207 29% 3138 26% 2932 26% Other Churches 938 9% 1035 8% 929 8% Registry- Offices 545 5% 861 7% 825 7%
Total 10735 12152 11212
Part of the reason for this may be a great number of mixed marriages taking place in Roman Catholic Churches. Figures were not obtainable for the number of mixed marriages in Roman Catholic Churches?the Belfast area, but a spokesman for the RC diocese of Armagh supplied the following table, showing a substantial decline since 1971.
MIXED AND ALL RC MARRIAGES IN RC CHURCHES IN THE ARMAGH DIOCESE
1971 1972 1973 1974 Mixed 76 49 51 43
BothRC 1317 1177 1331 1247
It has been estimated that some parishes of the RC diocese of Down and Connor have a proportion of mixed marriages in RC Churches maybe as high as 25%, though the average figure is probably lower. The number of mixed marriages in Protestant churches is much less. A survey in the Church of Ireland dioceses of Down/Dromore and Connor for 1974 gave the following figures:
MIXED AND ALL PROTESTANT MARRIAGES ON CHURCH OF IRELAND CHURCHES IN 1974
Down/Dromore Connor (S Belfast/ Down) (N Belfast/ Antrim)
Both Protestant 2% 387 Mixed 7 13 Almost all oi the mixed marriages were of non-attending Catholics or serving soldiers.
THE PRESBYTERIAN POSITION: MARRIAGE. HOME AND CHURCH
Greater problems arise where either ;he man or woman is a member of some special sect or ofthe Roman Catholic Church. Here ! the divisions are greater with serious
differences in teaching and in discipline, both over the meaning of our Christian faith and over some of its practical applications to
marriage and the home, to the birth and
education ofthe children. It is not enough in
these cases just to agree to differ, not to push
religion into a corner. This will not only '
impoverish the home but will imperil it in
many ways. It will lack the bond of shared
Christian life and faith which may Jielp in
times of stress. It may provide grounds for
adding to personal disputes and additional I
problems in bringing up the children. \ It is for reasons like these that all
Churches agree in warning against the
dangers of such mixed marriages and in
trying to discourage their members for their own sakes from entering into them. If in
spite of all they feel called to go ahead it he
couple) should try to work out some sort of
religious framework for their relationship
together, for their home and for the
upbringing of their children. Unless one
joins the other's Church it means that the
consciences and obligations of both husband
and wife must be respected in these matters.
The Roman Catholic Church does not
allow its members to enter into such a
marriage without dispensation. Since 1970 there is provision for such dispensation
provided that the Roman Catholic declares that he is ready to remove dangers of falling away from the faith' and makes 'a sincere \
promise to do all in his power to have all the i children baptised and brought up in the \
j Catholic Church'. The other partner 'must \ be informed of these promises' and made
I clear about the Roman Catholic's obliga tions, though, at least in theory, the
I non-Roman Catholic is no longer obliged to
promise that the children be brought up \
Roman Catholics. Theoretically a Roman j Catholic marrying without the permission of his own Church authorities need no longer be excommunicated, but he would still have I to make the promises afterwards if he wishes j
I his marriage to be recognised and to I continue a fully practising member of his I Church. i
Presbyterians-do not lay down any such
specific promises of Church penalties: vet this does not mean that they are any less concerned. Our Church accepts the
marriages performed by any Church or faith as well as civil marriages, but does not
approve a double religious marriage ceremony before the one God
If your attachment to the Protestant faith and the Presbyterian Church means
something to you, do not renounce your
religious convictions and practice even if you \ are marrying a Roman' Catholic and
member of some special sect. Do not agree j to any undertaking about the children you
will have, except to say that they will be
baptised and brought up in the knowledge and faith of our Lord Jesus Christ'. In due course you must yourselves decide, in the
light of your own home and religious development together, how best they may be
taught about God and helped to grow up as
good Church members.'
This content downloaded from 141.101.201.138 on Sat, 28 Jun 2014 18:26:19 PMAll use subject to JSTOR Terms and Conditions