Customer-facing terms and conditions define your relationship with your customers. They also illustrate your professionalism, both to your clients and to the Financial Conduct Authority (FCA), HMRC and the Information Commissioner’s Office (ICO).

Terms and conditions must work hard. They should address payment services law,  consumer law and FCA regulations. And they must set out unequivocally how you safeguard funds, what your charges are and when you are liable for unauthorised or incorrectly executed payments.

Creed Solicitors drafts clear, concise terms and conditions that are compliant with regulation and treat customers fairly as required by the FCA.

We draft customer-facing terms and conditions for authorised payment institutions, electronic money institutions and firms that sell currency options. These clients include a start-up that has evolved into a unicorn company.