Terms & Conditions

These Terms together with Our Privacy Policy, Terms of Website Use and Website Acceptable Use Policy will apply to any contract between Us and You for the sale of Products to You (“Contract”). Please read these Terms carefully and make sure that You understand them, before ordering any Products. Please note that before placing an Order You will be asked to agree to these Terms. We amend these Terms from time to time as set out in clause 2.7 and whenever We revise them, We will set out on this page the date upon which the Terms were most recently revised. Every time You wish to order Products, please check these Terms to ensure You understand the terms which will apply at that time. These Terms were most recently updated on 15 September 2017. 

You should print a copy of these Terms for future reference. 

These Terms, and any Contract between us, are only in the English language. 

Terms and Conditions of Sale

1. THESE TERMS
1.1 What these terms cover. These are the terms and conditions on which we supply products to you.
1.2 Why you should read them. Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss. 

  1. INFORMATION ABOUT US AND HOW TO CONTACT US
    2.1 Who we are. We operate the website www.urbaneliving.co.uk (“Website”). We are Adwinma Limited a company registered in England and Wales. Our company registration number is 05011542 and our registered office is at 42-44 Chiswick High Road, London W4 1TE. Our registered VAT number is GB855517015.
    2.2 Use of our website. Your use of our Website is governed by our Terms and Website Use which can be found at www.urbaneliving.co.uk. Please take the time to read these, as they include important terms which apply to you.
    2.3 How to contact us. To contact us, please see our ‘contact us’ page at www.urbaneliving.co.uk.
    2.4 How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
    2.5 ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails. 
  2. OUR CONTRACT WITH YOU
    3.1 How we will accept your order. Our acceptance of your order will take place when we call or email you to accept it, at which point a contract will come into existence between you and us. You must ensure that the details of your order for the products are complete and accurate before you submit your order. If you think that there is a mistake, please contact us as soon as possible to discuss this.
    3.2 If we cannot accept your order. If we are unable to accept your order, we will inform you of this in writing and will not charge you for the product. This might be because the product is out of stock, because of unexpected limits on our resources which we could not reasonably plan for, because a credit reference we have obtained for you does not meet our minimum requirements, because we have identified an error in the price or description of the product or because we are unable to meet a delivery deadline you have specified.
    3.3 Your order number. We will assign an order number to your order and tell you what it is when we accept your order (“Order Confirmation”). It will help us if you can tell us the order number whenever you contact us about your order. 
  3. OUR PRODUCTS
    4.1 Description and material specification. The quantity and description of the products shall be as set out in our quotation or Order Confirmation.
    4.2 Products may vary slightly from their pictures. Any samples, drawings, images, descriptive matter, or advertising produced by us and any descriptions or illustrations contained in our catalogues, websites (including the Website) or brochures are produced for the sole purpose of giving an approximate idea of the products described in them. They shall not form part of the contract or have any contractual force. The images of the products are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that your computer’s display of the colours will accurately reflect the colours of the products. Your products may vary slightly from those images.
    4.3 Product packaging may vary. The packaging of the products may vary from that shown on images.
    4.4 Making sure your measurements are accurate. If we are making the product to measurements you have given us you are responsible for ensuring that these measurements are correct. Although we have made every effort to be as accurate as possible, all sizes, weights, capacities, dimensions and measurements indicated in our catalogues, websites (including the Website) or brochures or elsewhere are approximately only save that:
    (a) the thickness of wooden flooring products is quoted as accurate plus or minus 2mm; and
    (b) the width of wooden flooring products is quoted as accurate plus or minus 5mm.
    4.5 Products may vary. Due to the nature of wooden flooring products, we cannot guarantee:
    (a) the moisture content of the wooden flooring products which may vary from batch to batch;
    (b) the profiles of tongue and groove which may vary from batch to batch;
    (c) the colour and consistency of wooden flooring products, which may vary from any samples and change as a result of the passage of time.
    4.6 Supplying alternative products. We are entitled to supply an alternative product to match as closely as possible to the products that you have ordered. We will provide you with reasonable notice as soon as this becomes apparent and you will have the option to accept the alternate product or cancel your order.
    4.7 Who is responsible for installing the product? You and/or your installer shall be responsible for determining whether the products are fit for purpose where they are to be used for a particular or special purpose and whether they are suitable for the intended installation and location you agree, acknowledge and accept that we are a supplier of products only and nothing is to be taken as a warranty, representation or otherwise that we have provided any design advice or installation instruction upon which you are entitled to place any reliance. We are not responsible for installing the products and subject to clause 16.2, we shall have no liability for any damage to the products or any other property, person or otherwise caused during the installation of the products. Any guidelines or instructions that we may provide in relation to installation are to act as a manufacturer’s guide only, are not installation location or product specific and should not be relied upon for the proper installation of the products, which should be carried out by an appropriately skilled professional.
    4.8 Your responsibility to maintain the product. You shall be responsible for ensuring that the products are fully and properly maintained, including but limited to:
    (a) by ensuring that the products are stored and maintained in accordance with any manufacturer’s guidance or instructions and good practice (including, but not limited to, being kept at the appropriate humidity level);
    (b) by ensuring that wooden flooring products are adequately protected against damage (including but not limited to scratches, dents and scuff marks) including but not limited to by sanding, sealing and using cloth furniture protectors in accordance with manufacturers guidance or instructions or good practice.
    4.9 How our timber products are sourced. We are committed to comply with EU Timber Regulations. All timber and timber products provided by us to you are in line with the EU regulations on timber contained in Regulations (EU) No 995/2010 of the European Parliament (the “Regulations”) and of the council to the best of our knowledge and belief. However, many details are ambiguous and it is not possible in every case to secure absolute certainty on every detail in the supply chain. Some decisions have to be taken in good faith based on reasonable balance of available evidence. In accordance with Article 4(2) of the Regulations we exercise all necessary due diligence procedures outlined in Article 6 of the same to ensure that any timber or timber product provided by us to you has been legally harvested in accordance with the Regulations and the applicable legislation of its origin country (be it member state or not). 
  4. YOUR RIGHTS TO MAKE CHANGES
    You may be able to make changes to your order. If you wish to make a change to the product you have ordered please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change. If we cannot make the change or the consequences of making the change are unacceptable to you, you may want to end the contract (see clause 8). 
  5. OUR RIGHTS TO MAKE CHANGES
    6.1 Minor changes to the products. We may change the product to reflect changes in relevant laws and regulatory requirements.
    6.2 More significant changes to the products and these terms. In addition, as, we may make the following changes to these terms or the product, but if we do so we will notify you and you may then contact us to end the contract before the changes take effect and receive a refund for any products paid for but not received. 
  6. PROVIDING THE PRODUCTS
    7.1 Delivery costs. The price of the products does not include delivery charges. Our delivery charges are as quoted at the time of order or can be quoted for in advance by request.
    7.2 International delivery. We can deliver to countries outside of the United Kingdom. However, there are restrictions on some products for certain countries, so please contact us before ordering products to check whether we are able to deliver to your preferred country or location and for details as to delivery charges. If you order products for delivery outside of the United Kingdom, your order may be subject to import duties and taxes which are applied when the delivery reaches that destination. Please note that we have no control over these charges and we cannot always predict their amount. You will be responsible for payment of any and all such import duties and taxes. Please contact your local customs office for further information. You must comply with all applicable local laws and regulations and we will not be liable or responsible if you break any such law.
    7.3 When we will provide the products. During the order process we will let you know when we will provide the products to you. We shall deliver the products to the address that you have provided us within your order, or such other locations as we shall agree in writing (“Delivery Location”) provided always that we are permitted to do so by law. If you wish to collect the products from us, you must notify us of this upon placing your order.
    When is the delivery completed? Delivery of the order shall be completed when we deliver the products to the Delivery Location or make the order available to you for collection (“Delivery”) and we shall use reasonable endeavours to deliver each of the orders for the products by the estimated delivery date which we shall notify you of on the order confirmation. We shall notify you of the estimated date upon which we will deliver the products, or make them available for collection by you by email or by telephone or in person prior to dispatch. Time of delivery shall not be of the essence of the contract and the products may be delivered up to 15 Business Days after the estimated delivery date and if we are unable to meet the estimated delivery date because of an Event Outside Our Control (which has the meaning given in given in clause 14), we will contact you with a revised estimated delivery date. Subject to clause 7.4, we do not handle or unload the products on arrival at the Delivery Location. You must ensure that adequate assistance and personnel are available to unload the products on Delivery.
    7.4 We are not responsible for delays outside our control. If our supply of the products is delayed by an Event outside Our Control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any products you have paid for but not received.
    7.5 Collection by you. If you have asked to collect the products from our premises, you can collect them from us at any time during our working hours of 0900 to 1600 on weekdays (excluding public holidays).
    7.6 If you are not at the delivery location when the product is delivered. If no one is available at your address to take delivery and the products cannot be posted through your letterbox, we will contact you to arrange re-delivery.
    7.7 If you do not re-arrange delivery. If you do not collect the products from us as arranged or if, after a failed delivery to you, you do not re-arrange delivery or collect them from a delivery depot we will contact you for further instructions and may charge you for storage costs and any further delivery costs. If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection we may end the contract and clause 10.2 will apply.
    7.8 Your legal rights if we deliver products late. You have legal rights if we deliver any products late. If we miss the delivery deadline for any products then you may treat the contract as at an end straight away if any of the following apply:
    (a) we have refused to deliver the products;
    (b) delivery within the delivery deadline was essential (taking into account all the relevant circumstances); or
    (c) you told us in writing before we accepted your order that delivery within the delivery deadline was essential, and this was confirmed in our Order Confirmation.
    7.9 Setting a new deadline for delivery. If you do not wish to treat the contract as at an end straight away, or do not have the right to do so under clause 7.8, you can give us a new deadline for delivery, which must be reasonable, and you can treat the contract as at an end if we do not meet the new deadline.
    7.10 Ending the contract for late delivery. If you do choose to treat the contract as at an end for late delivery under clause 7.8 or clause 7.9, you can cancel your order for any of the products or reject products that have been delivered. If you wish, you can reject or cancel the order for some of those products (not all of them), unless splitting them up would significantly reduce their value. After that we will refund any sums you have paid to us for the cancelled products and their delivery. If the products have been delivered to you, you must either return them in person to where you bought them, post them back to us or (if they are not suitable for posting) allow us to collect them from you. We will pay the costs of postage or collection. Please call customer services telephone line or email us at info@urbaneliving.co.uk for a return label or to arrange collection.
    7.11 When you become responsible for the products. A product will be your responsibility from the time we deliver the product to the address you gave us or you or a carrier organised by you collect it from us.
    7.12 When you own the products. You will own a product once we have received payment in full.
    7.13 What will happen if you do not give required information to us? We may need certain information from you so that we can supply the products to you, for example, site address, contact etc.. If so, this will have been told to you, set out in our brochure or on our website. We will contact you to ask for this information. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may either end the contract (and clause 10.2 will apply) or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the products late or not supplying any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
    7.14 Reasons we may suspend the supply of products to you. We may have to suspend the supply of a product to:
    (a) deal with technical problems or make minor technical changes;
    (b) update the product to reflect changes in relevant laws and regulatory requirements;
    (c) make changes to the product as requested by you or notified by us to you (see clause 6).
    7.15 We may also suspend supply of the products if you do not pay. If you do not pay us for the products when you are supposed to (see clause 15.5), we may suspend supply of the products until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the products. We will not suspend the products where you dispute the unpaid invoice (see clause 15.7). We will not charge you for the products during the period for which they are suspended. As well as suspending the products we can also charge you interest on your overdue payments (see clause 15.6). 
  7. YOUR RIGHTS TO END THE CONTRACT
    8.1 You can always end your contract with us. Your rights when you end the contract will depend on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:
    (a) If the product is faulty or mis-described you may have a legal right to end the contract (or to get the product repaired or replaced or to get some or all of your money back), see clause 13;
    (b) If you want to end the contract because of something we have done or have told you we are going to do, see clause (d);
    (c) If you have changed your mind about the product, see clause 8.3. You may be able to get a refund if you are within the cooling-off period, but this may be subject to deductions and you will have to pay the costs of return of any products;
    (d) In all other cases (if we are not at fault and there is no right to change your mind), see clause 8.6.
    8.2 Ending the contract because of something we have done or are going to do. If you are ending a contract for a reason set out at (a) to (e) below the contract will end immediately and we will refund you in full for any products which have not been provided and you may also be entitled to compensation. The reasons are:
    (a) we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 6.2);
    (b) we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;
    (c) there is a risk that supply of the products may be significantly delayed because of events outside our control;
    (d) we have suspended supply of the products for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than 7 days; or
    (e) you have a legal right to end the contract because of something we have done wrong (including because we have delivered late (see clause 7.8)).
    8.3 Exercising your right to change your mind (Consumer Contracts Regulations 2013). For most products bought over the telephone, by mail order or by exchange of emails you have a legal right to change your mind within 14 days and receive a refund. These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.
    8.4 When you don’t have the right to change your mind. You do not have a right to change your mind in respect of bespoke or custom-made products supplied by us specifically for you to your specifications. It should be noted that the majority of our products are made to order and constitute a bespoke product.
    8.5 How long do I have to change my mind? You have 14 days after the day you (or someone you nominate) receives the products, or where the products are split into several deliveries over different days, 14 days after the date of the last delivery) to notify us that you wish to cancel the contract for the products.
    8.6 Ending the contract where we are not at fault and there is no right to change your mind. Even if we are not at fault and you do not have a right to change your mind (see clause 0), you can still end the contract before it is completed, but you may have to pay us compensation. If you want to end a contract before it is completed where we are not at fault and you have not changed your mind, just contact us to let us know. The contract will end immediately and we will refund any sums paid by you for products not provided but we may deduct from that refund (or, if you have not made an advance payment, charge you) reasonable compensation for the net costs we will incur as a result of your ending the contract. 
  8. HOW TO END THE CONTRACT WITH US (INCLUDING IF YOU HAVE CHANGED YOUR MIND)
    9.1 Tell us you want to end the contract. To cancel a contract, please contact our customer services telephone line or email us at info@urbaneliving.co.uk advising the order number and contact information. Telephone cancellations must be confirmed in writing. You may wish to keep a copy of your cancellation notification for your own records. If you send us your cancellation notice by email or by post, then your cancellation is effective from the date you sent us the email or posted the letter to us. If you call us to notify us of your cancellation, then your cancellation is effective from the date you telephone us.
    9.2 Returning products after ending the contract. You must return the products to us as soon as reasonably practicable and in any event within 30 days of ending the contract. If the products require collection, we will collect the products from the address to which they were delivered. We will contact you to arrange a suitable time for collection.
    9.3 When we will pay the costs of return. We will pay the costs of return:
    (a) if the products are faulty or incorrectly described;
    (b) if you are ending the contract because we have told you of an upcoming change to the product or these terms, an error in pricing or description, a significant delay in delivery due to events outside our control or because you have a legal right to do so as a result of something we have done wrong.
    In all other circumstances you must pay the costs of return.
    9.4 What we charge for collection. If you are responsible for the costs of return and we are collecting the product from you, we will charge you the direct cost to us of collection.
    9.5 How we will refund you. We will refund you the price you paid for the products including delivery costs, by the method you used for payment. However, we may make deductions from the price, as described below.
    9.6 Deductions from refunds if you are exercising your right to change your mind. If you are exercising your right to change your mind:
    (a) We may reduce your refund of the price (excluding delivery costs) to reflect any reduction in the value of the products, if this has been caused by your handling them in a way which would not be permitted in a shop. If we refund you the price paid before we are able to inspect the products and later discover you have handled them in an unacceptable way, you must pay us an appropriate amount.
    (b) The maximum refund for delivery costs will be the costs of delivery by the least expensive delivery method we offer. For example, if we offer delivery of a product within 3-5 days at one cost but you choose to have the product delivered within 24 hours at a higher cost, then we will only refund what you would have paid for the cheaper delivery option.
    9.7 When your refund will be made. We will make any refunds due to you as soon as possible. If you are exercising your right to change your mind then:
    a) if we have not offered to collect the products, your refund will be made within 14 days from the day on which we receive the product back from you or, if earlier, the day on which you provide us with evidence that you have sent the product back to us; and
    (a) in all other cases, your refund will be made within 14 days of your telling us you have changed your mind. 
  9. OUR RIGHTS TO END THE CONTRACT
    10.1 We may end the contract if you break it. We may end the contract for a product at any time by writing to you if:
    (a) you do not make any payment to us when it is due and you still do not make payment within 7 days of us reminding you that payment is due;
    (b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the products;
    (c) you do not, within a reasonable time, allow us to deliver the products to you or collect them from us.
    10.2 You must compensate us if you break the contract. If we end the contract in the situations set out in clause 0 we will refund any money you have paid in advance for products we have not provided but we may deduct or charge you reasonable compensation for the net costs we will incur as a result of your breaking the contract.
    10.3 We may withdraw the product. We may write to you to let you know that we are going to stop providing a product that you have ordered. We will let you know at least 14 days in advance of our stopping the supply of the product and will refund any sums you have paid in advance for products which will not be provided. 
  10. MANUFACTURER GUARANTEES
    Does the product come with a manufacturer guarantee? Some of the products we sell come with a manufacturer’s guarantee. For details of the applicable terms and conditions, please refer to the manufacturer’s guarantee provided with the products. A manufacturer’s guarantee is in addition to your legal rights in relation to the products that are faulty or not as described. Advice about your legal rights is available from your local Citizen’s Advice Bureau or Trading Standards office. 
  11. OUR WARRANTY FOR THE PRODUCTS
    12.1 Our warranty for the products. For products which do not have a manufacturer’s guarantee, we provide a warranty that the products shall be free from material defect and remain so until the earlier of:
    (a) 12 months after Delivery; or
    (b) the “use by”, “expiry” or “best before” period stated on the packaging, labelling or other documentation accompanying the products on Delivery, however, this warranty in this clause 0 does not apply in the circumstances described in clause 12.2.
    12.2 What isn’t covered by our warranty? Our warranty in clause 0 does not apply to any defect in the products arising from:
    (a) fair wear and tear;
    (b) wilful damage, abnormal storage or working conditions, accident, negligence by you or by any third party including but not limited to upon the installation of the products;
    (c) where you or any third party fails to operate, install, protect, maintain or use the products in accordance with our oral or written instructions, user or manufacturer’s guidelines or good trade practice;
    (d) any alterations or repair to the products by you or by a third party; or
    (e) us following any drawing, design, instruction or specification supplied by you in supplying the products.
    12.3 Our warranty does not affect your legal rights. Our warranty is in addition to your legal rights in relation to products that are faulty or not as described. Advice about your legal rights is available from your local Citizen’s Advice Bureau or Trading Standards office. 
  12. IF THERE IS A PROBLEM WITH THE PRODUCT
    13.1 How to tell us about problems. If you have any questions or complaints about a product, please contact our customer services telephone line or email us at info@urbaneliving.co.uk.
    13.2 Summary of your legal rights. We are under a legal duty to supply products that are in conformity with this contract. See the box below for a summary of your key legal rights in relation to the product. Nothing in these terms will affect your legal rights. 

Summary of your key legal rights
This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens
Advice website www.adviceguide.org.uk or call 03454 04 05 06.
The Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. During the expected
Lifespan of your product your legal rights entitle you to the following:
· up to 30 days: if your goods are faulty, then you can get an immediate refund.
· up to six months: if your goods can’t be repaired or replaced, then you’re entitled to a full refund, in most cases.
· up to six years: if your goods do not last a reasonable length of time you may be entitled to some money back.
See also clause 8.3. 

13.3 Your obligation to return rejected products. If you wish to exercise your legal rights to reject products you must either return them in person to where you bought them, post them back to us or (if they are not suitable for posting) allow us to collect them from you. We will pay the costs of postage or collection. Please call our customer services line or email or write to us at info@unbaneliving.co.uk for a return label or to arrange collection. 

  1. EVENTS OUTSIDE OUR CONTROL
    14.1 What is an Event outside Our Control? An “Event Outside Our Control” means any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation of war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
    14.2 Our liability for an Event outside Our Control. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a contract that is caused by an Event outside Our Control. An Event outside Our Control is defined in clause 0.
    14.3 If an Event Outside Our Control occurs. If an Event Outside Our Control takes place that affects the performance of our obligations under a contract:
    (a) We will contact you as soon as reasonably possible to notify you; and
    (b) Our obligations under the contract will be suspended and the time for performance of our obligations will be extended for the duration of the Event outside Our Control. Where the Event outside Our Control affects our delivery of products to you, we will arrange a new delivery date with you after the Event outside Our Control is over.
    14.4 You’re right to cancel following an Event outside Our Control. You may cancel the contract if an Event outside Our Control takes place and continues for more than 6 weeks and you no longer wish us to provide the products. 
  2. PRICE AND PAYMENT
    15.1 Where to find the price for the product. The prices of the products will be as quoted by us to you in writing, on our Website or as published from time to time. We take all reasonable care to ensure that the prices of products are correct at the time when the relevant information was entered onto the system, provided to you, or published, however if we discover an error in the price of products you ordered, please see clause 15.4 for what happens in this event.
    15.2 Value added tax (“VAT”). The price of the products shall be exclusive of any VAT and all costs or charges in relation to packaging, loading, unloading, carriage and insurance, all of which amount you shall be payable in addition when you are due to pay for the products.
    15.3 We will pass on changes in the rate of VAT. If the rate of VAT changes between your order date and the date we supply the product, we will adjust the rate of VAT that you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.
    15.4 What happens if we got the price wrong? Our Website and brochures contain a large number of products. It is always possible that, despite our reasonable efforts, some of the products on our Website and/or brochures may be incorrectly priced. We will normally check prices as part of our dispatch procedures so that:
    (a) where the products’ correct price is less than the price stated on our Website, as provided to you or as published, we will charge the lower amount when dispatching the products to you; and
    (b) if the products’ correct price is higher than the price stated on our Website, as provided to you or as published, we will contact you as soon as possible to inform you of this error and we will give you the option of continuing to purchase the products at the correct price or cancelling your order. We will not process your order until we have your instructions. If we are unable to contact you using the contact details you provided during the order process, we will treat the order as cancelled and notify you in writing. If we have already accepted your order and given you an Order Confirmation where the pricing error is obvious and unmistakable and could have reasonably been recognised by you as a mispricing, we may end the contract, refund you any sums you have paid and require the return of any products already delivered to you.
    15.5 When you must pay and how you must pay. You can pay for the products in cash or by making a direct bank transfer in our account, by using a debit or credit card, by cheque. We accept payment by the following credit cards: MasterCard; Visa; Switch; Solo; Visa Delta; Maestro; American Express and Visa Electron. Payment for the product and all applicable delivery charges, Additional Payment and International Payment must be made at the time you place your order for the products.
    15.6 We can charge interest if you pay late. If you do not make any payment to us by the due date we may charge interest to you on the overdue amount at the rate of 4% a year above the base lending rate of The Bank of England from time to time. This interest shall accrue on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You must pay us interest together with any overdue amount.
    15.7 What to do if you think an invoice is wrong. If you think an invoice is wrong please contact us promptly to let us know and we will not charge you interest until we have resolved the issue. 
  3. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
    16.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.
    16.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products as summarised at clause 13.2 or including the right to receive products which are: as described and match information we provided to you and any sample or model seen or examined by you; of satisfactory quality; fit for any particular purpose made known to us; supplied with reasonable skill and care and, where installed by us, correctly installed; and for defective products under the Consumer Protection Act 1987.
    16.3 We are not liable for business losses. We only supply the products for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. 
  4. HOW WE MAY USE YOUR PERSONAL INFORMATION
    17.1 How we will use your personal information. We will use the personal information you provide to us:
    (a) to supply the products to you;
    (b) to process your payment for the products; and
    (c) if you agreed to this during the order process, to give you information about similar products that we provide, but you may stop receiving this at any time by contacting us.
    17.2 We may pass your personal information to credit reference agencies. Where we extend credit to you for the products we may pass your personal information to credit reference agencies and they may keep a record of any search that they do.
    17.3 We will only give your personal information to other third parties where the law either requires or allows us to do so.

    18. OTHER IMPORTANT TERMS
    18.1 We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
    18.2 You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
    18.3 Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these terms.
    18.4 If a court finds part of this contract illegal, the rest will continue in force. Each of the clauses of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining clauses will remain in full force and effect.
    18.5 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.
    18.6 Which laws apply to this contract and where you may bring legal proceedings? These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.