These terms and conditions (“Agreement”) govern the use of
the Payment Services defined in Clause 1, which are supplied by PFS Card Services (Ireland)
Limited, Front Office, Scurlockstown Business Park, Trim, Co. Meath, C15 K2R9, Ireland
whose details are in Clause 2 (“we”, “us”, “our”) to any person whose application we
approve (“Customer”, “you”, “your”). Words that begin with a capital letter have the
meaning given either where they first appear in this Agreement or in Clause 1. This
By activating your Card, you agree that you have read and understood the terms of this Agreement (a
copy of which you may download and store at any time). This Agreement shall commence at that time
and continue unless cancelled under Clause 10 or terminated under Clause 12. We reserve the right
to change this Agreement by giving 2 months’ notice to you in accordance with Clause 18. If we do
this, you may terminate this Agreement immediately and without charge before the proposed changes
take effect, otherwise you shall be deemed to have accepted such changes when the 2 months’ notice
expires. However, you agree that changes to the Applicable Exchange Rate may be applied
immediately and at the rate quoted via the Payment Service at the time of the relevant Transaction.Please also read the conditions of redemption, in Clause 11 before activating your Card.
We will communicate with you in English (the language in which this Agreement was agreed with you
on registration for your Account). Key information relating to your Transactions will be provided to
you at the email address you register with us and/or in your Account. You may access, download and
print this information at any time by logging in to your Account. In addition, you agree that we may
provide notices or other information to you from time to time by posting it in your Account, emailing
it to your registered email address, mailing it to your registered physical address, calling you by phone
or sending you mobile messages. Notices to you by email or mobile messages shall be deemed given
24 hours after the email is sent, unless the sending party is notified that the email address is invalid.
Notices sent by registered mail shall be deemed to have been received three days after the date of
mailing. You may contact us as specified in Clause 2.
You may request a copy of any legally required disclosures (including this Agreement) from us via the
contact details in Clause 2, and we will provide this to you in a form which enables you to store the
information in a way that is accessible for future reference for a period of time adequate for the
purposes of the information and which allows the unchanged reproduction of the information stored
via, for example; our website, your Account or by email.1. Definitions & Interpretation
In this document, if we use words that start with a capital letter, that means the word has been defined in this ‘Definition & Interpretation’ section.