(1) In these Regulations, unless the context otherwise requires -
"agent" includes nominee;
"authorised officer" means a person appointed and holding office under Regulation 25;
"automated calling system" means a telephone calling system that is or can be operated without the involvement of a human intermediary;
"the Bank" means the Central Bank of Ireland;
"business" includes trade and profession;
"by electronic means" has the meaning given by Regulation 3 of the European Communities (Directive 2000/31/EC) Regulations 2003 (S.I. No. 68 of 2003);
"cancellation period", in relation to a distance contract for the supply of a financial service, means the period within which the consumer can, in accordance with Regulation 10, cancel the contract without penalty and without giving any reason;
"competent authority", in relation to the State, means - (a) the Bank as regards functions imposed on the Bank by or under the Central Bank Act 1942 (No. 22 of 1942), or (b) the Director of Consu
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