Terms of Business

THE TERMS OF BUSINESS IS PROVIDED IN ACCORDANCE WITH THE CONSUMER PROTECTION CODE ISSUED BY THE CENTRAL BANK OF IRELAND. EFFECTIVE FROM 9TH FEBRUARY 2015.

1. ABOUT US

Our legal name is Fire Financial Services Limited (‘FFSL’). Our registered office is at The Observatory, 7-11 Sir John Rogerson’s Quay, Dublin 2 and its company registration number is 464819.

FFSL is regulated Central Bank of Ireland and is a licenced Payment Institution (‘PI’) under the Payment Services Directive in accordance with Regulation 18 of the European Communities (Payment Services) Regulations 2009 on 4th June 2010.

You may contact us at any time by writing to us as the above address or sending an email to our Support Team. Contact details may be found on the FAQ section of our website.

2. REGULATED ACTIVIES

FFSL is authorised to provide the following payment services:

  1. Execution of direct debits, including one-off direct debits;
  2. Execution of payment transactions through a payment card or a similar device;
  3. Execution of credit transfers, including standing orders;
  4. Issuing and/or acquiring of payment instruments;
  5. The provision of operational and closely related ancillary services such as ensuring the execution of payment transactions, foreign exchange services, safekeeping activities and the storage and processing of data;
  6. The provision of a currency conversion service

3. CENTRAL BANK CODES

FFSL is subject to the Payment Service Regulations, Prudential Requirements for Payment Institutions and the Consumer Protection Code. These codes offer protection to consumers and can be found on the Central Bank of Ireland website www.centralbank.ie

4. FEES AND CHARGES

FFSL charges its customers fees and charges in connection with the products and services provided by it. Information on Fees and charges can be found in our Fees and Charges section of the website. Fees and charges may be amended from time to time by FFSL.

5. DATA PROTECTION NOTICE

The personal information requested from you is required for account opening checks. We will gather and process your personal data in compliance with (a) Data Protection Acts 1998 and 2003 (as amended) and (b) the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (as amended).

6. CONFLICTS OF INTERESTS

It is the policy of FFSL to avoid any conflict of interest in its dealings with customers and within the context of its authorisation. Where an unavoidable conflict arises we will advise you of this before providing our service to you. If you have not been advised of any such conflict you are entitled to assume that none arises.

7. COMPLAINTS

You may make a complaint by any of the following methods:

  • In writing, whether by letter, fax or email, or
  • verbally.

Your complaint will be fully investigated by FFSL. An acknowledgment letter will be sent to you upon receipt of your complaint and we will provide you with regular written updates. If you are dissatisfied with the outcome or if the complaint is not resolved within 40 business days, you are entitled to refer your complaint to the Financial Services Ombudsman’s Bureau, Lincoln House, Lincoln Place, Dublin 2.

8. CHANGES TO TERMS OF BUSINESS

Where there are any material changes to these Terms of Business we will give you notice of any proposed change by any combination of an e-mail, posting a notice on our Website or through the Fire App.

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