Whereby the following terms and conditions are agreed. The Talkback service is provided by First National Telecom Services, hereafter referred to as FNTS.

1 First National Telecom Services Limited (FNTS) shall issue the account number/pin number and access number to the person applying for the service. (The Account Holder).

2 The account will operate on a ‘prepaid’ basis, minimum pre-payment £20. All prepaid amounts will be entered into the account and each call will be deducted from the credit balance.

3 When the account is within £5 of a zero balance, or goes into a negative balance situation before the next payment is taken, FNTS will automatically make another charge to the Account Holder’s credit card. This amount will be credited into the account. If the Account Holder does not want an automatic top-up, they will notify FNTS in writing that they require manually authorised charges only.

4 The Account Holder shall not disclose the account number/pin number/access number to any other person.

5 The Account Holder will immediately notify FNTS verbally on becoming aware that account number/access number or pin number has been lost or stolen, or has been or is likely to be put to an unauthorised use and confirm the same in writing to FNTS within 24 hours.

6 The Account Holder shall be responsible for all calls made through the account, and charged in accordance with our call records.

7 The Account Holder will undertake to protect FNTS against all liabilities, claims, damages, losses and expenses arising from any breach of the Agreement.

8 The Account Holder agrees not to use the service to transmit any material which may be abusive, offensive, obscene, indecent, menacing, defamatory, or which might cause annoyance, inconvenience or needless anxiety to anyone, or to commit a fraud or other criminal offence.

9 The Account Holder will notify FNTS of any change of address or change in credit card details.

10 The Account Holder may close the account at any time. This must be confirmed in writing within 7 days of the verbal instruction.

11 If this Agreement is terminated by either party hereto, the Account Holder shall:
(a) pay to FNTS all arrears of charges payable under this Agreement up to the date of termination, and
(b) immediately cease to make use of the service.

12 FNTS shall be entitled to alter any Pin or Access number(s) or any other Account Holder specific name, number or code as may be issued by FNTS from time to time to the Account Holder and/or the User(s) for use with the service.

13 FNTS reserves the right to vary any rates without prior notice.

14 FNTS reserves the right to close any account, if such account has not been used for a period of one year or more or in the event of breach of this Agreement, without prior notice.

15 FNTS reserves the right to suspend any account if a dispute arises and until any dispute is resolved.

16 FNTS reserves the right to terminate the Agreement forthwith if the Account Holder fails to make payment when it becomes due.

17 FNTS shall not be liable to the Account Holder, if it is in any way unable to provide the service for reasons beyond its control.

18 FNTS shall not in any way be liable for any direct, indirect or consequential loss including, without limitation, loss of profit, costs, damages and other liabilities of whatsoever nature arising from its provision of the service or its failure to provide the service to the Account Holder.

19 FNTS will supply the Account Holder with a detailed monthly call usage report on request.

20 Use of the service constitutes acceptance of the FNTS Terms & Conditions.

21 Customers will be able to make use of FNTS’ International toll-free access numbers. There is a surcharge for using these access numbers which will be levied against the Account Holder’s account.

22 The Agreement shall be governed by and construed in all respects according to English Law. The parties shall submit to the exclusive jurisdiction of the English Courts.