End-User Licence Agreement

Last updated: 28 May 2026

This End-User Licence Agreement ("Agreement") is a legal contract between you ("you", "your", or "Merchant") and FireBuddy ("we", "us", or "FireBuddy") governing your access to and use of the FireBuddy payments dashboard, websites, dashboards, APIs, integrations and related services (collectively, the "Service").

By creating an account, signing in, or using the Service, you agree to be bound by this Agreement. If you don't agree, don't use the Service.

Plain-English summary. FireBuddy is a dashboard you use on top of your Fire bank account and other connected tools (e.g. QuickBooks). We don't hold your money. You're responsible for the data you put in. We're responsible for keeping the service running and your data secure. Either of us can end the relationship at any time. Irish law governs this Agreement.

1. The Service

FireBuddy provides a software-as-a-service dashboard that connects to your Fire Open Banking account and other third-party services (such as QuickBooks Online and email providers) to help you create payment links, send invoices, manage bookings, reconcile transactions, and tag expenses. We are not a bank, payment institution, or money transmitter — your funds remain in your Fire account at all times.

2. Account & eligibility

You must be at least 18 years old and able to enter into a legally binding contract.
You must operate a legitimate business with a valid Fire account.
You're responsible for the security of your sign-in credentials and any activity performed under your account, including by team members you invite.
You must notify us promptly if you suspect any unauthorised access to your account.

3. Acceptable use

You agree not to:

use the Service for fraud, money laundering, terrorism financing, or any unlawful activity;
misrepresent your identity or business;
attempt to gain unauthorised access to other merchants' data, our systems, or our connected partners;
reverse-engineer, decompile, or attempt to extract source code from the Service;
introduce malware or use automated tools to overload, scrape or disrupt the Service;
resell, sublicence or expose the Service to third parties without our written permission.

4. Third-party integrations

The Service connects to third-party services on your behalf, including Fire (the bank), QuickBooks Online (accounting), Mailcub (email delivery), WhatsApp Business (messaging), and others as we add them. Each integration is subject to that provider's terms. We are not responsible for outages, errors, or changes to third-party services.

5. Your data & data protection

Your business records, customer details, and payment metadata that you store in FireBuddy remain your data. Our handling of personal data is described in our Privacy Policy, which forms part of this Agreement.

You are the data controller for any personal data of your customers that you store in FireBuddy. FireBuddy is the data processor. We will only process that data on your documented instructions and in accordance with the GDPR.

6. Fees & subscriptions

Some features of the Service are offered as paid subscription tiers. Pricing is shown on the public website and the in-app subscription page at the time of sign-up. Subscriptions renew automatically until cancelled. You can cancel at any time from your dashboard; you'll retain access to paid features until the end of the billing period you've paid for. We don't refund partially-used periods unless required by law.

7. Service availability

We aim to keep the Service available 24/7 but do not guarantee uninterrupted access. Planned maintenance is announced where possible. We are not liable for outages caused by third-party providers (Fire, QuickBooks, hosting providers, etc.) or by force majeure events.

8. Intellectual property

The Service — including software, design, documentation, brand and the FireBuddy name — is owned by us or our licensors and protected by intellectual property laws. We grant you a non-exclusive, non-transferable, revocable licence to use the Service for your own internal business purposes for the duration of this Agreement.

If you provide feedback or suggestions, you agree we may use them without restriction or compensation to you.

9. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

FireBuddy is not regulated financial, tax or legal advice. You remain responsible for your own VAT, PAYE, corporation tax and any other regulatory filings. Where the Service computes a figure (e.g. an input VAT calculation), you are responsible for verifying it before relying on it for filings.

10. Limitation of liability

To the maximum extent permitted by law, FireBuddy's aggregate liability under this Agreement is limited to the greater of (a) the amount you paid us for the Service in the 12 months immediately preceding the event giving rise to liability, or (b) €100. We are not liable for indirect, consequential, special, incidental, punitive damages or for loss of profits, revenue, data, or goodwill.

Nothing in this Agreement limits liability that cannot be limited under applicable law (e.g. death or personal injury caused by negligence, or fraud).

11. Indemnity

You agree to indemnify and hold harmless FireBuddy and its officers, employees and agents from any claim, loss, liability or expense (including reasonable legal fees) arising from your breach of this Agreement, your misuse of the Service, or your violation of any law or the rights of any third party.

12. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access immediately if you breach this Agreement, if we're required to by law, or if continuing to provide the Service would expose us to legal or financial risk.

On termination, sections that by their nature should survive (data protection, limitation of liability, governing law, etc.) will continue to apply.

13. Changes to this Agreement

We may update this Agreement from time to time. Material changes will be notified to you by email or in-product notice at least 30 days before they take effect. Continuing to use the Service after a change takes effect means you accept the updated Agreement.

14. Governing law & disputes

This Agreement is governed by the laws of Ireland. The courts of Ireland have exclusive jurisdiction to settle any dispute arising under or in connection with it, subject to your mandatory rights as a consumer where applicable.

15. Contact

Questions about this Agreement: hello@firebuddy.info.

Data-protection questions: see the Privacy Policy for our designated contact.