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URC Front Row Loyalty – Terms and Conditions 

1. Front Row Loyalty operator

1.1 The loyalty programme described in these Terms and Conditions is operated by Pro Rugby Championship DAC, trading as the United Rugby Championship and URC, a company incorporated in Ireland with company number 660252 and registered office at 3rd Floor, Millbank House, Arkle Road, Sandyford Industrial Estate, Dublin 18, D18 C6R3, Ireland (URC, we, us, our).

1.2 These Terms and Conditions govern Front Row Loyalty, the opt-in loyalty programme available within URC Front Row. They apply to individuals who hold a URC Front Row account and opt in to Front Row Loyalty.

1.3 In short, and to explain how the names used in this document fit together: creating a URC account automatically makes you a URC Front Row member, at no cost, giving you access to Front Row features such as Advanced Stats. Front Row Loyalty is an additional, optional programme within Front Row that you must separately opt in to. These Terms and Conditions govern Front Row Loyalty only; your URC account and other Front Row features are governed by the separate terms applicable to them.

1.4 For customer service queries relating to Front Row Loyalty, Members may contact URC at frontrow@unitedrugby.com.

2. Key definitions

2.1 In these Terms and Conditions:

URC Front Row (or Front Row) means the URC digital membership programme, automatically available at no cost to any individual who creates and holds a URC account. Front Row includes Advanced Stats and other features made available to all Front Row members.

Front Row Loyalty means the opt-in loyalty programme made available within Front Row and governed by these Terms and Conditions. Front Row Loyalty requires separate opt-in and is not automatically part of Front Row membership.

Account means the individual Front Row account held by a Member, within which the Member’s Front Row Loyalty participation, Points balance and Membership Tier are recorded.

Member means an individual who holds a Front Row account and has successfully opted in to Front Row Loyalty, and whose participation has not been suspended or terminated. An individual who holds a Front Row account but has not opted in to Front Row Loyalty is a Front Row member but is not a Member for the purposes of these Terms and Conditions.

Points means the promotional loyalty points credited to a Member’s Account under Front Row Loyalty.

Membership Tier (or Tier) means the Starter, Captain, Elite or Legend status level allocated to a Member based on the number of Points earned by that Member. These Terms and Conditions use the single term Membership Tier throughout.

Partner means a third-party commercial partner, supplier, brand, club, venue, broadcaster, ticketing partner or other person that makes offers, benefits or earning opportunities available through or in connection with Front Row Loyalty.

Front Row Platform means the URC website, mobile application, membership portal, fan platform or other digital service through which Front Row and Front Row Loyalty are accessed.

Consent Record means the record maintained by URC against a Member’s Account evidencing the Member’s opt-in to Front Row Loyalty, including the date and time of opt-in, the version of these Terms and Conditions accepted, and (where applicable) the date of any opt-out.

3. Eligibility and registration

3.1 Front Row Loyalty is open only to individuals who:

are at least 18 years old on the date they opt in to Front Row Loyalty. By opting in, the Member confirms that they meet this requirement. URC may request proof of age or eligibility at any time, and may suspend or cancel the participation and Points of any Member it reasonably believes was under 18 when they opted in;
have legal capacity to enter into these Terms and Conditions;
provide accurate and complete registration information; and
comply with these Terms and Conditions and all Front Row Loyalty rules published by URC from time to time.

3.1A Holding a URC Front Row account is not itself age-restricted; the 18+ requirement applies to Front Row Loyalty only. Individuals under 18 may continue to use their Front Row account and any other Front Row features available to them.

3.2 Front Row Loyalty is intended for personal and consumer use only. Businesses, agencies, clubs, organisations, syndicates and automated accounts may not participate unless URC has given prior written approval.

3.3 URC may refuse registration, suspend an Account, or require additional verification where it reasonably considers this necessary to protect the integrity, security or lawful operation of Front Row Loyalty.

3.4 Each individual may hold only one Account. URC may merge, suspend or close duplicate Accounts.

3.5 Members are responsible for keeping their Account login details secure and for all activity carried out through their Account, except where unauthorised activity results from URC’s failure to take reasonable care.

4. Acceptance of these Terms and Conditions

4.1 By opting in to Front Row Loyalty in accordance with clause 5.1, the Member agrees to be bound by these Terms and Conditions. Continuing to participate in Front Row Loyalty or to earn Points after opting in is on the basis of that acceptance.

4.2 The Member should read these Terms and Conditions carefully before joining Front Row Loyalty. If the Member does not agree to them, the Member must not register for or participate in Front Row Loyalty.

4.3 These Terms and Conditions apply in addition to any other terms that apply to URC websites, apps, ticketing, competitions, promotions, events, merchandise, content subscriptions or Partner offers. If there is a conflict, the more specific terms for the relevant product, service, offer or feature will apply to that item, unless these Terms and Conditions say otherwise.

5. Consent and Consent Records

5.1 Participation in Front Row Loyalty is by express opt-in only. A Member joins Front Row Loyalty by completing the opt-in process on the Front Row Platform, which includes actively confirming acceptance of these Terms and Conditions (for example by ticking an acceptance box or pressing a clearly labelled join or opt-in button). By accepting these Terms and Conditions the Member also confirms that they meet the eligibility requirements in clause 3.1, including the requirement to be aged 18 or over. Holding a URC Front Row account does not by itself enrol an individual in Front Row Loyalty.

5.2 When a Member opts in, URC will create and maintain a Consent Record against the Member’s Account. The Consent Record includes the Member’s opt-in status, the date and time of opt-in, and the version of these Terms and Conditions the Member accepted. If the Member later leaves Front Row Loyalty, the date of opt-out will also be recorded.

5.3 The Member’s acceptance of these Terms and Conditions is enduring. Once given, it applies to the Member’s participation in Front Row Loyalty across all sessions, visits, devices and channels, and does not need to be re-confirmed each time the Member logs in to or uses the Front Row Platform. Acceptance remains in force until: (a) the Member leaves Front Row Loyalty or closes their Account under clause 17; (b) the Member’s participation is terminated under clause 16; or (c) URC requires re-acceptance following a material change to these Terms and Conditions under clause 14.

5.4 The Member’s acceptance of these Terms and Conditions is separate from, and operates differently to, any consent the Member gives for cookies and similar technologies. Cookie and similar-technology consent is governed by URC’s cookie notice and applicable law, and may be requested on a per-device or per-session basis and changed by the Member at any time through their cookie settings. Changing or withdrawing cookie consent does not end the Member’s participation in Front Row Loyalty, and leaving Front Row Loyalty does not change the Member’s cookie settings. However, because some Points-earning activity is recorded using cookies and similar technologies, withdrawing that consent may mean activity is not recorded and Points are not credited, as explained in clause 6.7.

5.5 The Member’s acceptance of these Terms and Conditions is also separate from any consent the Member gives to receive direct marketing communications, which is managed in accordance with clause 19 and the Member’s marketing preferences.

5.6 A Member may review their Front Row Loyalty participation status at any time through the Front Row Platform and may withdraw from Front Row Loyalty at any time under clause 17.

6. Earning Points

6.1 Members may earn Points by completing actions, activities or purchases specified by URC from time to time. These may include, for example:

registering for Front Row Loyalty;
attending or engaging with URC matches, events or digital experiences;
purchasing eligible tickets, merchandise or other eligible products;
engaging with URC content, surveys, campaigns, quizzes, games or communications;
participating in Partner activities or offers; or
any other action that URC identifies as eligible for Points.

6.2 URC will specify the number of Points available for each eligible action, and any applicable conditions, limits or exclusions, through the Front Row Platform or related communications.

6.3 Points may be credited automatically or manually, depending on the relevant activity. Points may take a reasonable period to appear in a Member’s Account.

6.4 URC may withhold, reverse or deduct Points where:

the underlying activity is cancelled, refunded, reversed, invalid, incomplete or fraudulent;
Points were credited in error;
the Member breached these Terms and Conditions;
the activity was carried out by automated, deceptive, bulk or abusive means; or
URC reasonably considers that the integrity or lawful operation of Front Row Loyalty requires it.

6.5 Unless URC expressly states otherwise, Points cannot be earned retrospectively for activities completed before the Member joined Front Row Loyalty.

6.6 URC may apply earning limits, caps, frequency restrictions, territorial restrictions or time limits to particular activities.

6.7 Some Points-earning activities are recorded using cookies, software development kits (SDKs) and similar technologies on the Front Row Platform. Those technologies only operate where the Member has given the relevant consent through their cookie or privacy settings on the device or browser they are using. If a Member declines or withdraws that consent, clears their cookies, or uses a device or browser on which consent has not been given, URC may be unable to record the Member’s activity and Points for that activity will not be credited. URC will not credit Points retrospectively for activity that was not recorded for this reason. Declining or withdrawing cookie consent does not remove a Member from Front Row Loyalty or affect Points already credited.

7. Nature of Points

7.1 Points are promotional loyalty points only. They are not money, e-money, stored value, a gift card, a deposit, a financial product, property or any other form of cash equivalent.

7.2 Points have no cash value and cannot be exchanged for cash.

7.3 Points are personal to the Member and may not be sold, transferred, assigned, pooled, inherited, auctioned, bartered, brokered or otherwise dealt with except as expressly permitted by URC.

7.4 URC may cancel Points that have been obtained, transferred, sold, used or attempted to be used in breach of these Terms and Conditions.

7.5 Points do not create any vested right or entitlement to any particular benefit or monetary value.

8. Using Points

8.1 At launch, Front Row Loyalty operates on an earn-only basis: Members can earn and accumulate Points and progress through Membership Tiers, but Points cannot currently be spent, exchanged or used to obtain any product, service or benefit.

8.2 URC intends to introduce ways for Members to use their Points in a future phase of Front Row Loyalty. Before any such features are made available, URC will publish updated or additional terms describing how Points can be used and any applicable conditions, and will notify Members in accordance with clause 14.

8.3 Nothing in these Terms and Conditions, and no statement made in Front Row Loyalty marketing or communications, creates any right or entitlement to any particular future use of Points before such features and their terms are published.

9. Membership Tiers

9.1 Front Row Loyalty has four Tiers: Starter, Captain, Elite and Legend.

9.2 A Member’s Membership Tier is determined by the number of Points earned by that Member, as follows:

Membership Tier Points required
Starter 0 to 999 Points
Captain 1,000 to 5,999 Points
Elite 6,000 to 11,999 Points
Legend 12,000 or more Points

9.3 Points count towards a Member’s Membership Tier from the date the Member joins Front Row Loyalty. URC intends to operate Front Row Loyalty on a season basis: at the end of each URC season, the Points balance used to determine a Member’s Membership Tier will reset to zero, but the Member will retain the Membership Tier they held at the end of that season and will not be moved to a lower Tier as a result of the reset. URC may also record a Member’s career Points (the total Points earned since joining Front Row Loyalty) separately; career Points do not reset. URC may in future introduce qualification periods, tier-retention rules, tier-review mechanics or additional Tiers; any such change will be made in accordance with clause 14, and URC will give Members reasonable notice before it takes effect.

9.4 URC will allocate a new Member to the Starter tier when the Member first joins Front Row Loyalty, unless URC offers a different joining tier or joining Points balance as part of a specific promotion or campaign.

9.5 If a Member earns enough Points to qualify for a higher Membership Tier, URC may upgrade the Member’s Account to that higher tier. Tier upgrades may take a reasonable period to appear in the Member’s Account.

9.6 URC may specify different benefits, earning opportunities, access rights, offers or promotional features for Starter, Captain, Elite and Legend Tiers. Any tier-specific benefits are subject to availability, eligibility, these Terms and Conditions, and any additional terms published by URC or the relevant Partner.

9.7 A Membership Tier is a promotional status only. It has no cash value, is personal to the Member, and cannot be transferred, sold, assigned, exchanged for cash or separated from the Account.

9.8 URC may correct a Member’s Membership Tier where Points have been credited, deducted, reversed or cancelled, or where the tier was allocated in error or as a result of fraud, misuse or breach of these Terms and Conditions.

10. Expiry of Points and Account inactivity

10.1 Points do not currently have a fixed expiry date. URC may in future introduce Points expiry rules in accordance with clause 14. If URC introduces expiry rules, it will give Members reasonable advance notice through the Front Row Platform, email, push notification or other reasonable means, and expiry rules will not be applied retrospectively to expire Points without such notice.

10.2 URC may close an Account or cancel unused Points if the Account has been inactive for 24 months, provided that URC gives the Member reasonable prior notice where required by applicable law or where reasonably practicable.

10.3 If Points expiry rules are introduced, URC may notify Members of upcoming Point expiry through the Front Row Platform, email, push notification or other reasonable means, but Members remain responsible for monitoring their Points balance and any expiry dates.

11. Partner offers and third-party placements

11.1 Some offers, benefits and earning opportunities may be provided by Partners. Partner offers may be subject to separate Partner terms and conditions, privacy notices, eligibility rules, booking processes, fulfilment processes and cancellation rules.

11.2 Front Row Loyalty may include a dedicated third-party offers placement, through which a partner (such as a voucher, discount or benefits partner) displays offers, vouchers or benefits to Members. The following applies to any such placement:

the placement is available only to Members (who, under clause 3.1, are aged 18 or over);
offers shown in the placement are provided by the relevant partner, not by URC, and are subject to the partner’s own terms and conditions;
when a Member accesses or takes up an offer, the Member may leave the URC environment and interact directly with the partner or the relevant merchant, and the partner processes any personal data it collects in that interaction as an independent controller in accordance with its own privacy notice, which the Member should review; and
URC does not sell the Member’s personal data to the partner, and any sharing of data between URC and the partner in connection with the placement will be described in URC’s privacy notice.

11.3 URC is responsible for operating Front Row Loyalty in accordance with these Terms and Conditions. Where a Partner supplies an offer or benefit directly, the Partner is responsible for the supply, quality, performance and fulfilment of that offer or benefit, subject to applicable law.

11.4 URC is not responsible for a Partner’s website, app, systems, products, services, acts, omissions, representations or terms, except to the extent required by applicable law or where URC has expressly accepted responsibility.

11.5 Members should review Partner terms before taking up a Partner offer.

12. Prohibited conduct

12.1 Members must not:

provide false, misleading or incomplete information;
create multiple Accounts or use another person’s Account without permission;
use bots, scripts, macros, automation, scraping, bulk-entry tools or similar technology;
manipulate, abuse, exploit or interfere with Front Row Loyalty or the Front Row Platform;
obtain or attempt to obtain Points, offers or benefits by fraud, deception, unauthorised access or misuse;
sell, transfer, broker or commercially exploit Points, offers or benefits without URC’s permission;
use Front Row Loyalty in a way that is unlawful, offensive, abusive, harassing, discriminatory, defamatory or harmful;
infringe URC’s or any third party’s intellectual property, privacy, publicity or other rights; or
act in a way that may damage the reputation or goodwill of URC, its competitions, clubs, Partners, players, officials or fans.

12.2 If URC reasonably believes that a Member has breached this clause, URC may take action under clause 16.

13. Consumer rights, paid features and purchases

13.1 Nothing in these Terms and Conditions limits or excludes any rights that a Member has under applicable consumer protection law, including where applicable the Consumer Rights Act 2022, the Consumer Protection Act 2007, the European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013, the Consumer Rights Act 2015 (United Kingdom) and the Consumer Protection Act 68 of 2008 (South Africa).

13.2 Front Row Loyalty may include free features and may also be connected with paid products or services, including tickets, merchandise, subscriptions, memberships, digital services or Partner offers.

13.3 Any paid product or service will be subject to the purchase terms presented at the time of purchase. Those terms will set out the price, payment arrangements, delivery or performance details, cancellation rights, refund rights and other legally required information.

13.4 If a paid transaction is refunded, cancelled, reversed or charged back, URC may deduct or cancel any Points earned in connection with that transaction.

13.5 Where cancellation or cooling-off rights apply to any paid product, service, membership, subscription or digital content connected with Front Row Loyalty, those rights will be explained in the terms applicable to that product, service, membership, subscription or digital content.

14. Changes to Front Row Loyalty

14.1 URC may update, vary, suspend, replace or discontinue Front Row Loyalty, these Terms and Conditions, earning opportunities, Points values, Partner arrangements, Front Row Loyalty features or any part of Front Row Loyalty from time to time.

14.2 URC will act reasonably when making changes and will not make changes that unfairly remove rights that Members have already accrued, except where necessary for legal, regulatory, security, fraud-prevention, operational, technical, commercial or Partner-related reasons.

14.3 Where a material change is likely to disadvantage Members, URC will give reasonable notice through the Front Row Platform, email or other reasonable means, unless immediate change is required for legal, security, fraud-prevention or urgent operational reasons.

14.4 Where URC makes a material change to these Terms and Conditions, URC may require Members to re-confirm their acceptance through the Front Row Platform. Where re-acceptance is required, the Member’s Consent Record will be updated to reflect the new version accepted and the date of re-acceptance.

14.5 If a Member does not accept a material change, the Member may stop participating in Front Row Loyalty and may leave Front Row Loyalty under clause 17.

15. Liability

15.1 Nothing in these Terms and Conditions excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, breach of statutory rights that cannot be excluded, or any other liability that cannot lawfully be excluded or limited.

15.2 Subject to clause 15.1, URC is not responsible for:

losses that were not reasonably foreseeable when the Member joined Front Row Loyalty;
losses caused by the Member’s breach of these Terms and Conditions;
business losses, loss of profit, loss of revenue, loss of business opportunity or loss of goodwill, because Front Row Loyalty is provided for personal consumer use;
failure, delay or disruption caused by events outside URC’s reasonable control; or
Partner acts or omissions, except to the extent URC is responsible under applicable law or has expressly accepted responsibility.

15.3 URC will use reasonable care and skill in operating Front Row Loyalty but does not guarantee that the Front Row Platform will always be available, uninterrupted, error-free or free from technical issues.

16. Account suspension and termination by URC

16.1 URC may suspend, restrict or terminate a Member’s Account, cancel Points, or take other reasonable action if URC reasonably believes that:

the Member has breached these Terms and Conditions;
the Member has engaged in fraud, misuse, abuse or prohibited conduct;
the Account has been compromised or used without authorisation;
continued participation could harm URC, other Members, Partners, clubs, venues or Front Row Loyalty;
URC is required to do so by law, regulation, court order, competent authority, Partner requirement or platform-security requirement; or
Front Row Loyalty or the relevant part of it has been suspended or discontinued.

16.2 Where reasonably practicable and appropriate, URC will notify the Member of the reason for suspension or termination and give the Member an opportunity to respond. URC may withhold notice where doing so would prejudice an investigation, security, fraud prevention, legal compliance or the rights of another person.

16.3 If an Account is terminated because of serious or repeated breach, fraud, misuse or prohibited conduct, unused Points may be cancelled without compensation, subject to applicable law.

17. Leaving Front Row Loyalty or closing your Account

17.1 A Member may leave Front Row Loyalty at any time by following the opt-out process on the Front Row Platform or by contacting URC. Leaving Front Row Loyalty ends the Member’s participation in Front Row Loyalty and cancels any unused Points, but does not close the Member’s wider URC Front Row account or affect any other URC Front Row features (such as Advanced Stats) available to the Member.

17.2 A Member may separately close their URC Front Row account at any time by following the account-closure process on the Front Row Platform or by contacting URC. Closing a URC Front Row account will also end the Member’s participation in Front Row Loyalty and cancel any unused Points.

17.3 When a Member leaves Front Row Loyalty, the date of opt-out will be recorded in the Member’s Consent Record. A Member who has left Front Row Loyalty may re-join at any time by completing the opt-in process again, in which case a new Consent Record entry will be created; unless URC expressly states otherwise, Points cancelled on leaving will not be restored on re-joining.

17.4 Once a Member leaves Front Row Loyalty or closes their URC Front Row account, the Member will no longer be able to earn Points. Any unused Points may be cancelled, unless URC is required by applicable law to provide a different remedy.

17.5 Leaving Front Row Loyalty or closing an Account does not affect rights or obligations that arose before that point, including any payment obligations, legal claims, fraud investigations or data-retention obligations.

18. Privacy and data protection

18.1 URC will process personal data relating to Members in accordance with applicable data-protection law, including the Data Protection Act 2018, the EU General Data Protection Regulation, and URC’s privacy notice.

18.2 URC’s privacy notice will explain, among other things:

what personal data URC collects;
why URC uses it;
the legal bases for processing;
how URC shares data with Partners, service providers, clubs, venues and other partners;
international transfers, if any;
how long data is retained;
Members’ data-protection rights; and
how Members can contact URC about privacy matters.

18.3 URC will retain the Member’s Consent Record (including opt-in and opt-out dates and the version of these Terms and Conditions accepted) for as long as necessary to administer Front Row Loyalty and to evidence the Member’s participation, in accordance with URC’s privacy notice and applicable law.

18.4 Where a Partner provides an offer or benefit, the Partner may process the Member’s personal data as an independent controller or as otherwise described in the relevant privacy information. Members should review the Partner’s privacy notice before taking up a Partner offer.

18.5 URC may use cookies, pixels, SDKs, device identifiers and similar technologies in connection with the Front Row Platform in accordance with its cookie notice and applicable law. Consent for cookies and similar technologies is managed separately from acceptance of these Terms and Conditions, as described in clause 5.4, and the effect of that consent on Points earning is described in clause 6.7.

19. Marketing communications

19.1 URC may send Front Row Loyalty service messages to Members where necessary to administer Front Row Loyalty, including messages about Account activity, Points, changes to these Terms and Conditions, security and operational updates.

19.2 URC will send direct marketing communications only where permitted by applicable law and in accordance with the Member’s marketing preferences.

19.3 Members may opt out of marketing communications at any time by using the unsubscribe link in the relevant message, updating preferences on the Front Row Platform, or contacting URC. Opting out of marketing communications will not stop essential Front Row Loyalty service messages, and does not end the Member’s participation in Front Row Loyalty.

20. Intellectual property and content

20.1 All intellectual property rights in Front Row Loyalty, the Front Row Platform, URC names, logos, marks, content, data, software, graphics, video, audio, designs, text, images, statistics and related materials belong to URC or its licensors.

20.2 Members may use Front Row Loyalty and the Front Row Platform for personal, non-commercial purposes only and must not copy, reproduce, modify, distribute, sell, license, scrape, reverse engineer, create derivative works from or commercially exploit any Front Row Loyalty content except as expressly permitted by URC.

20.3 Partner names, logos and marks belong to the relevant Partners and may not be used without permission.

21. Member content and community features

21.1 If Front Row Loyalty allows Members to upload, submit, post, share or create content, the Member is responsible for that content and must ensure that it is lawful, accurate where stated as fact, and does not infringe any third-party rights.

21.2 By submitting content through Front Row Loyalty, the Member grants URC a non-exclusive, worldwide, royalty-free licence to use, reproduce, display, publish, adapt and share that content for the purposes of operating, promoting and improving Front Row Loyalty, URC competitions and related fan engagement activities, subject to applicable law and URC’s privacy notice.

21.3 URC may moderate, remove or disable access to Member content where URC reasonably considers that it breaches these Terms and Conditions, applicable law, platform rules or community standards.

22. Complaints and support

22.1 If a Member has a complaint or query about Front Row Loyalty, Points or an Account, the Member should contact URC using the details in clause 1.4 and provide reasonable information to help URC investigate the issue.

22.2 URC will use reasonable efforts to respond to complaints within a reasonable time.

22.3 If a complaint relates to a Partner offer supplied directly by a Partner, URC may refer the Member to the Partner while also providing reasonable assistance where appropriate.

23. Notices

23.1 URC may give notices under these Terms and Conditions by email, in-Account message, push notification, notice on the Front Row Platform, or any other reasonable method.

23.2 A notice sent by email will be treated as received when sent, unless URC receives an automated delivery-failure notice.

23.3 Members are responsible for keeping their contact details up to date.

24. Assignment and transfer

24.1 URC may transfer its rights and obligations under these Terms and Conditions to another organisation, including in connection with a restructuring, merger, sale, transfer of assets, outsourcing, change of Front Row Loyalty operator or similar transaction, provided that the transfer does not materially reduce the Member’s statutory rights.

24.2 Members may not transfer their rights or obligations under these Terms and Conditions without URC’s prior written consent.

25. Severance

25.1 If any provision of these Terms and Conditions is found to be invalid, unlawful or unenforceable, that provision will be treated as deleted to the minimum extent necessary, and the remaining provisions will continue in force.

26. Waiver

26.1 If URC does not enforce any provision of these Terms and Conditions immediately, that does not mean URC has waived the right to enforce that provision later.

27. Entire agreement

27.1 These Terms and Conditions, together with any purchase terms, privacy notices and policies referred to in them, set out the terms that apply to Front Row Loyalty.

27.2 Nothing in these Terms and Conditions excludes liability for fraud, fraudulent misrepresentation or any statement that cannot lawfully be excluded.

28. Governing law and jurisdiction

28.1 These Terms and Conditions are governed by the laws of Ireland.

28.2 If the Member is resident in another country, the Member may have the right to bring proceedings in the courts of the Member’s country of residence or to rely on mandatory consumer protections under the laws of that country. Nothing in these Terms and Conditions affects any mandatory consumer rights that apply to the Member.

29. Version and effective date

29.1 These Terms and Conditions are effective from 14th September 2026.

29.2 The current version of these Terms and Conditions will be made available on the Front Row Platform. Each version will carry a version number and date, which is the version reference recorded in a Member’s Consent Record under clause 5.2. This version is Version 1.0 – 9th September.