Terms and Conditions

1. Introduction 

Thank you for visiting FSCO Group. These terms and conditions (“Terms of Service”), together with our Privacy Policy, govern the use of the broking service (“Service”) provided by FSCO Group (“we”, “us”, “our”) to any business registered with us (“you”, “your”). 

FSCO Group is registered in Ireland (company number [Company Number]). 

FSCO Group may engage with various third-party providers and partners to deliver our services to you.

2. Limitations of What We Offer 

FSCO Group is a broker, not a direct finance provider. 

Our services are intended solely for business-related purposes. We do not offer debt counselling or financial advice. 

We cannot guarantee that our services will lead to a successful outcome, and we are not obligated to provide our services to you at any given time. 

Our services rely on information from third-party sources, over which we have no control. This information may contain errors or inaccuracies. 

If we are not aware of your specific requirements, it is your responsibility to ensure that any options presented to you meet your business needs. 

The content and information we provide as part of our services may not always be current or accurate and may change without prior notice. Therefore, all content is provided for general informational purposes only. 

To enable free access to our services, we exclude liability to the maximum extent allowed by law for any inaccuracies, service failures, or errors. We do not offer any warranty or guarantee regarding the accuracy, completeness, timeliness, performance, or suitability of the information provided through our services. 

To the extent permitted by applicable law, both parties are only liable for direct losses that are a foreseeable consequence of their breach or negligence (excluding fraud or intentional misconduct). 

Nothing in these terms will limit or exclude liability for death, personal injury, or any other liability that cannot be excluded or limited by law. 

While our services are generally free of charge to you, FSCO Group may receive commission or compensation from financial providers for successful introductions. 

Our services are not intended as advice, and should not be relied upon as the basis for any decision. We recommend you seek independent financial, legal, and/or tax advice regarding any finance application or agreement. 

You use and download any information from our service at your own risk. It is your responsibility to ensure that your software is capable of detecting and removing any potential viruses in any downloaded data. 

The presence of third-party sites, links, or information via our service does not imply endorsement, recommendation, or any responsibility for their content. 

We reserve the right to modify, suspend, or discontinue our services at any time without notice. 

3. Your Usage and Responsibilities 

By using the FSCO Group service, you agree to promptly notify us of any changes to the details you have provided. It is your responsibility to ensure that all information you provide is complete, accurate, up-to-date, and truthful. You are solely responsible for creating backup copies and replacing any information you provide via our service, at your own cost. 

You agree that FSCO Group (and our service providers) may conduct identity verification and credit checks on you, as well as your owners or directors. You and your owners or directors acknowledge that credit reference agencies link records of you and anyone you have designated as a financial associate (e.g., someone with whom you share a joint credit account). These links will remain on your and your associate’s credit reference files until you or your associate successfully request disassociation with the credit reference agencies. FSCO Group (and any finance provider) may consider this information when assessing credit references. 

You are responsible for keeping your username and password secure. When these credentials are used to log in, we will assume that you are the person providing instructions, and you will be liable for any actions unless and until you notify us of any changes. You are responsible for any activity resulting from failure to protect your login details. We may refuse or disable access at our sole discretion, without notice, if it is lawful to do so.
 

If you wish to cease using our service at any time, you may contact us to request deactivation of your account. We will remove any third-party data access you have provided within a reasonable timeframe. We will retain historical data as described below. 

If you have agreed to pay for any aspect of our service, you acknowledge that failure to make payment may result in the withdrawal of your rights to use the service. 

You agree not to use our service in a way that harms our reputation, and you agree to comply with all applicable laws and regulations, including the General Data Protection Regulation (GDPR). 

You agree to indemnify and hold FSCO Group, our staff, officers, group companies, and partners harmless from any loss, damage, or claims made by third parties because of your breach of these terms. 

We will make reasonable efforts to provide support for the service during office hours by email at support@fsco.group, via web chat, or by phone.



4 Your Usage and Responsibilities 

By using the FSCO Group services, you agree to notify us immediately of any changes to the details you have provided. You are responsible for ensuring that all information you provide is complete, accurate, up-to-date, and true in every respect. It is your responsibility to bear the cost of backing up any data or information you submit via our services. 

You agree that we (and our Providers) may conduct identity verification and credit checks on you, your business owners, or directors. You acknowledge that credit reference agencies may link records about you with anyone you have identified as a financial associate, such as joint account holders. These associations will remain on your credit record until you or your associate successfully request disassociation from the relevant credit reference agencies. 

You are responsible for keeping your account username and password secure. Any activity through the FSCO Group services will be assumed to have been conducted by you when accessed with your login credentials. You are liable for all actions taken under your account unless you notify us promptly of any unauthorized access. We may suspend or disable your access to the service at our sole discretion if necessary. 

If you choose to stop using the services, you may request to deactivate your account, and we will remove any third-party data access you’ve provided within a reasonable timeframe. However, we will retain historical data as required by law. 

If you have agreed to pay for certain services, non-payment may result in the withdrawal of your access to FSCO Group services. 

You agree not to misuse our services in a way that damages our reputation or violates any applicable laws, including the General Data Protection Regulation (GDPR). You are also responsible for ensuring compliance with all relevant legal requirements. 

You agree to indemnify FSCO Group, its employees, officers, affiliates, and partners against any loss, damage, or claims arising from your violation of these terms. 

For any issues related to the service, FSCO Group is available for support during office hours via email or phone as specified on our website.


5. Our Intellectual Property 

You acknowledge that FSCO Group retains all intellectual property rights related to the services we provide, unless otherwise specified. These rights include, but are not limited to, copyrights, trademarks, patents, database rights, domain names, and design rights. 

The materials and content available through the FSCO Group services, including but not limited to source code, algorithms, databases, designs, graphics, and other proprietary content, are owned by FSCO Group or our licensors. Unless explicitly stated in writing, you are not granted any rights to these intellectual properties. 

You may link to the homepage of FSCO Group’s services, but you must not frame, display, or otherwise alter the content or pages within the service. Any such modifications, framing, or surrounding of content must not involve any material that is not owned by FSCO Group unless we have granted prior written consent. 

You are prohibited from using our services to: 

• Collect data about other users for unsolicited communications outside of FSCO Group services. 
• Create or store databases of information obtained from our services for any purpose other than your own internal use. 
• Transfer any information obtained via FSCO Group services to third parties, except where explicitly permitted by us. 
• Use automated tools or scripts to collect information from, or interact with, our services. 
• Use our services in an unlawful manner or in a way that could cause damage to the service or its servers. 
• Register individuals or entities on the service without their prior written consent. 
• Misrepresent yourself or others, create false identities, or engage in misleading activities within FSCO Group services. 

Any unauthorized use or infringement of our intellectual property rights could result in the termination of access to our services and legal action. 

6. Our Management of Data 

At FSCO Group, we take data protection seriously and are committed to safeguarding your business data in line with the provisions outlined in our Privacy Policy, which can be found on our website. 

As part of providing our services, our systems will collect data provided by you, including, in certain instances, data from your systems such as accounting software, as well as from third-party sources. We may process and use this data to support your engagement with FSCO Group and to provide the services you request. 

In delivering our services, we may share the data you provide with our panel of approved providers. These providers, in turn, will share relevant information with us about your case, including its status and outcome. This sharing of data ensures that we can effectively facilitate the service and monitor its progress. 

Our use of your data may include interfacing with third-party systems to improve our database, enhance the services we provide, monitor performance, conduct statistical analysis, and identify areas for improvement. 

By providing your data to FSCO Group, you grant us an irrevocable, royalty-free, sub-licensable, transferable, perpetual license to use, copy, reformat, translate, excerpt (in whole or in part), and distribute this data for any purpose related to or in connection with the services we offer. Additionally, we may prepare derivative works from the data or incorporate it into other works. Any third parties assisting us with our services may also have access to your data. In such cases, we will ensure the data remains anonymous unless we receive your explicit consent to identify you as the source. 

If you choose to remove your data from our systems, this license will expire, but you acknowledge that (a) we may retain archived copies, and (b) we are required to maintain records in accordance with relevant regulations for no less than five years from the date the records were created. 

Client Money 

For clarification, FSCO Group (or any of its subsidiaries) does not hold or manage client funds under any circumstances. 

7. Client Money 

For the avoidance of doubt, FSCO Group (or any of its subsidiaries) does not hold, manage, or handle any client funds or monies under any circumstances. Any transactions or financial dealings relating to funds or payments are solely managed by the relevant third-party financial institutions, and we do not take responsibility for the handling or safeguarding of client money.

8. Complaints 

If you wish to make a complaint, please contact us via email at info@fsco.group. We will review your complaint and respond as soon as possible.

9. Complaint Resolution Timeline 

Upon receipt of your complaint, we will promptly initiate an independent review and aim to provide a written response within three business days. 

If we are unable to resolve your complaint within this timeframe, we will take the following steps based on the nature of the matter: 

• If your complaint concerns the functionality of our website or the provision of information services, we will respond within an additional five working days, either confirming the actions taken to resolve the issue or acknowledging receipt of your complaint with an estimated timeline for a full resolution. We will provide ongoing updates until the matter is fully addressed. 
• If your complaint relates to our role as a credit broker, it will be referred to our internal complaints resolution team for a detailed review. Once the investigation is complete, we will communicate the findings and any proposed resolutions to you. 

If we are unable to provide a resolution to your satisfaction within eight weeks of your initial complaint, or if you are dissatisfied with our final response, you may have the right to escalate your complaint to the relevant regulatory authority, subject to the applicable eligibility criteria.

10. Additional Terms 

We reserve the right to amend these terms and conditions at our discretion, including the ability to transfer our rights and obligations under these terms. 

Any notices or communications may be sent to you via email using the address provided upon registration or as subsequently updated by you within the Service. You acknowledge and agree that such electronic communication, including in-service notifications, shall constitute valid notice. 

Should any provision of these terms be deemed invalid or unenforceable, the remaining provisions shall continue to apply in full force. The failure to enforce any right or provision shall not be considered a waiver of such rights. 

These terms shall be governed by and construed in accordance with the laws of Ireland. Both parties agree to submit to the exclusive jurisdiction of the Irish courts in relation to any dispute arising from these terms. 

11. Required Information 

To facilitate the provision of our Services, we require the following details from any business seeking assistance: 

• The registered name of the business. 
• The business’s postal address, email address, and telephone number. 
• The amount of financing requested (except where the request relates to a credit card account unless a specific limit has been requested). 
• The type of financing sought, if specified by the business. 
• The legal structure of the business (e.g., limited company, limited partnership, partnership, sole trader, or other). 
• The duration for which the business has been trading and generating income (expressed in years and months). 
• The date by which financing is required or, if unknown, the date by which the request has been made. 

Provision of this information is essential for us to assess and facilitate financing options suitable to the business’s needs.