Furnished pursuant to the Central Bank of Ireland’s Consumer Protection Code 2025 and Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium-Sized Enterprises) Regulations 2015.

COMPANY INFORMATION
Legal name: First Citizen Finance DAC (FCF)
Trading names: First Citizen Finance
Address: Bloom House, Gloucester Square, Railway St,
Dublin 1, D01 C576
FCF is regulated by the Central Bank of Ireland as a Retail Credit Firm.
To contact FCF, please write to the address above, email info@firstcitizen.ie, visit www.firstcitizen.ie, or call by phone on 01-8846700.


REGULATED ACTIVITIES
FCF primarily engages in the provision of Asset Finance and Commercial Real Estate loans. These products are regulated by the Central Bank of Ireland.


CENTRAL BANK OF IRELAND CODE(S) CODES OF CONDUCT
FCF is subject to various regulations issued by the Central Bank of Ireland, including the Consumer Protection Code 2025 and the Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium-Sized Enterprises) Regulations 2015, which offer protection to customers. Information on the Consumer Protection Code 2025 and the SME Regulations can be found on the Central Bank’s website at www.centralbank.ie.


FEES AND CHARGES
Certain fees and charges are applicable to the products provided by FCF. For further information on the current fees and charges that are applicable please refer to your Facility Letter, or contact FCF through the contact channels listed at the beginning of this document. Information on fees and charges may also be found on our website at https://www.firstcitizen.ie/fe...


TREATMENT OF PERSONAL DATA
FCF has in place comprehensive data protection policies and procedures, and is committed to the security and appropriate use of customer information. FCF is compliant with all current data protection regulation and legislation. Full information can be found in FCF’s privacy policy, located at: www.firstcitizen.ie/privacy-po...


CONFLICTS OF INTEREST
FCF has in place a Conflict of Interest policy, this ensures that FCF monitors, avoids, and discloses conflicts of interests, should they arise during the course of business. This policy contains guidance to staff on identifying conflicts of interest, and the procedure to be followed should it be suspected that there is a conflict of interest.


IN THE CASE OF DEFAULT OF REPAYMENT / OTHER OBLIGATIONS
Should you default on your payment, or other obligations relating to a product provided by FCF, FCF may notify you of such a default and request that you take action to remedy the situation. Subsequent to such a default, FCF may seek to enforce your obligations to FCF via legal proceedings or the enforcement of any guarantee or security given in relation to the agreement. Any actions taken by FCF will be in accordance to the terms and conditions of the agreement, as well as any applicable Central Bank of Ireland Code, Regulations or applicable law. In addition to this, a default on your payment will cause the arrears on your account to be reported to the Central Credit Register, which may affect your future access to credit. Other agreements with FCF may also be affected in this situation, additional contact may be necessary, FCF may seek to recover possession of any assets financed by FCF, and default fees and charges may apply.


COMPLAINTS
Should you wish to file a complaint relating to this agreement, or the provision of a service by FCF, you can email us at info@firstcitizen.ie. Alternatively, you can call on (01) 884 6700. 
FCF has a Complaints Policy in place, and endeavours to respond to all complaints within 5 days of receipt. Where possible, we intend to investigate and resolve all complaints within 40 workings days, and you will receive regular updates on progress every 20 working days. If we cannot resolve the issue within 40 working days we will write and explain the reason for the delay and indicate when we might expect to have resolution.
Once a complaint has been investigated and addressed, you should be informed of the outcome within 5 days of the decision.
Should you remain dissatisfied with the proposed resolution of your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman for adjudication.
The Financial Services and Pensions Ombudsman may be contacted at the following address:
Lincoln House,
Lincoln Place,
Dublin 2,
D02 VH29
Telephone: 01 567 7000
Email: info@fspo.ie