Terms & Conditions

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

These terms tell you the rules for using our website at www.phineybanks.com (our site).

www.phineybanks.com is a site operated by Phiney Banks (We). Our registered office is at 71-75 Shelton Street, London, Greater London WC2H 9JQ, United Kingdom. To contact us, please email hello@phineybanks.com

These terms of use refer to the following additional terms, which also apply to your use of our site:

• our Privacy Policy at www.phineybanks.com/privacy-policy; and
• our Cookie Policy at www.phineybanks.com/privacy-policy, which sets out information about the cookies on our site.

If you purchase goods from our site, our terms and conditions of supply at www.phineybanks.com/terms-conditions will apply.

We may amend these terms from time to time and you agree that the terms displayed on the website at the time you make use of it will apply. These terms were most recently updated on 19 February 2019.

We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities.

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Failure to comply with these terms of use may result in our taking all or any of the following actions:

• Immediate, temporary or permanent withdrawal of your right to use our site.
• Immediate, temporary or permanent removal of any Contribution (as defined below in Content Standards) uploaded by you to our site.
• Issue of a warning to you.
• Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
• Further legal action against you.
• Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

We exclude our liability for all action we may take in response to breaches of these terms of use by you. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat that information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that someone else knows your user identification code or password, you must promptly notify us at hello@phineybanks.com

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use.

You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

This website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

If you wish to complain about information and materials uploaded by other users please contact us on hello@phineybanks.com

• 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 and for fraud or fraudulent misrepresentation.
• Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our Terms and Conditions of supply at www.phineybanks.com/terms.

• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.
• In particular, we will not be liable for:
• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or

• Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

We will only use your personal information as set out in our privacy policy at www. phineybanks.com/privacy-policy.

You may use our site only for lawful purposes. You may not use our site:

• In any way that breaches any applicable local, national or international law or regulation.
• In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To send, knowingly receive, upload, download, use or re-use any material which does not comply with our Content Standards.
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

• Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms of use.
• Not to access without authority, interfere with, damage or disrupt:
• any part of our site;
• any equipment or network on which our site is stored;
• any software used in the provision of our site; or
• any equipment or network or software owned or used by any third party.

These content standards apply to any and all material which you contribute to our site (Contribution), and to any interactive services associated with it.

The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.

Phiney Banks will determine, in its discretion, whether a Contribution breaches the Content Standards.

A Contribution must:

• Be accurate (where it states facts).
• Be genuinely held (where it states opinions).
• Comply with the law applicable in England and Wales and in any country from which it is posted.

A Contribution must not:

• Be defamatory of any person.
• Be obscene, offensive, hateful or inflammatory.
• Promote sexually explicit material.
• Promote violence.
• Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
• Infringe any copyright, database right or trade mark of any other person.
• Be likely to deceive any person.
• Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
• Promote any illegal activity.
• Be in contempt of court.
• Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
• Be likely to harass, upset, embarrass, alarm or annoy any other person.
• Impersonate any person, or misrepresent your identity or affiliation with any person.
• Give the impression that the Contribution emanates from Phiney Banks, if this is not the case.
• Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.
• Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.
• Contain any advertising or promote any services or web links to other sites.

You warrant that any Contribution complies with the Content Standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but, by uploading it, you grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the Content Standards. You are solely responsible for securing and backing up your content.

We may from time to time provide interactive services (interactive services) on our site including:

• Chat rooms.
• Live chat.
• Bulletin boards.

We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not. Where we do moderate an interactive service, should a concern or difficulty arise, please contact our moderator at hello@phineybanks.com.

The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

Whilst we do everything we reasonably can to keep our site secure and free from bugs and viruses, we do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the Content Standards.

If you wish to link to or make any use of content on our site other than that set out above, please contact us at hello@phineybanks.com

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

You are not permitted to use it without our approval, unless it is part of material you are using as permitted under How you may use material on our site.

When you place an order via the Site for a product, we will send you an order confirmation email listing each product you have requested to buy and an estimated delivery or collection date for those items. Our order confirmation email is not acceptance of your order by us.

Once payment has been made for the products you have ordered, we will arrange for the products to be delivered to you or made ready for collection (depending on which option you select when placing your order) and to send you a dispatch/ready for collection email. This email confirms that your order has been accepted by us and that a contract is formed.

Where products are dispatched/made ready for collection separately, our acceptance of your offer in respect of each product takes place when we dispatch such product/make such product available for collection.

We reserve the right not to accept your order. This may occur where we are unable to obtain authorisation for payment, shipping restrictions apply to a particular item, or the item ordered is out of stock or does not satisfy our quality control standards and is withdrawn.

1. These terms
   1. What these terms cover. These are the terms and conditions of sale which apply to any order which you place through www.phineybanks.com (the Site).
   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.
2. Information about us and how to contact us
   1. How to contact us. You can contact us by writing to us at hello@phineybanks.com
   2. 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.
   3. “Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.
3. Our contract with you
   1. How we will accept your order. When you place an order via the Site for a product, we will send you an order confirmation email listing each product you have requested to buy and an estimated delivery or collection date for them. Our order confirmation email is not acceptance of your order by us.
   2. Once payment has been made for the products you have ordered, we will arrange for the products to be delivered to you or made ready for collection (depending on which option you select when placing your order) and send you a dispatch/ready for collection email. This email confirms that your order has been accepted by us and that a contract is formed. Our contract with you is made in England.
   3. If we cannot accept your order. If we are unable to accept your order, we will inform you of this in writing. This might be because: we have decided to stop supplying the product; the product is out of stock; there are unexpected limits on our resources which we could not reasonably plan for; we have identified an error in the price or description of the product; the item does not satisfy our quality control standards; or because we are unable to meet a delivery deadline you have specified. We will not charge you for the product and will refund any money which you have paid us for it within 14 days.
   4. Your order number. We will assign an order number to your order and tell you what it is when you place your order. It will help us if you can tell us the order number whenever you contact us about your order.
   5. Orders for delivery outside the United Kingdom.
      1.  If the fulfilment of an order (or any aspect of it) would be illegal or unlawful, including because of breach of export controls or sanctions rules, we have the right to stop or cease to fulfil the order at any time, including after the dispatch of products or notification to you that the order has been received and is being processed. We will not incur any liability in such circumstances.
      2. You may be responsible for Import duty and taxes. Import duty or tax costs may be invoiced to you directly from an import broker appointed by us, your local courier company, your national Government, or any local Government or controlling body that has the power to raise such duties or taxes in accordance with the law in your country. We have no control over how much tax or duty any such body may charge, and we recommend that you contact your local customs authority to determine a landed cost price prior to completing your purchase.
      3. It is your responsibility to ensure that any products which you order comply with the laws of the country where they will be used.
4. Our products
   1. Products may vary slightly from their pictures. The images of the products on our website are for illustrative purposes only. Although we have made every effort to display the colors and patterns accurately, we cannot guarantee that a device’s display of the colors or patterns accurately reflects the color or pattern of the product. Your product may vary slightly from those images.
   2. Product packaging may vary. The packaging of the product may vary from that shown in images on our website.

5. Your rights to make changes

   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.

6. Our rights to make changes
   1. Minor changes to the products. We may change the product:
      1. to reflect changes in relevant laws and regulatory requirements;
      2. to implement minor technical adjustments and improvements, for example, to address a security threat. These changes will not affect your use of the product.
   2. More significant changes to the products and these terms. We may make 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.
7. Providing the products
   1. Delivery costs. The costs of delivery will be as displayed to you on our website. Where orders need to be split and sent in multiple parcels, additional delivery charges may apply. Our Customer Service team will be in touch to confirm this with you.
   2. Free shipping campaigns. From time to time, we may offer free delivery in selected countries or with certain promotions for orders that meet a specified order value threshold. In this instance, the order value threshold only includes the value of the products and EXCLUDES any charges for services, fees, or taxes.
   3. Delivering the products. We will deliver them to you as soon as reasonably possible and in any event within 30 days after the day on which we accept your order or, if we believe that delivery will take longer than this, we will contact you to agree on an estimated delivery date.
   4. 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 minimize 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.
   5. Collection by you. If you have asked to collect the products from our shop, you can collect them from us during our working hours of 10:00 to 17:00 on Mondays to Saturdays (excluding bank holidays).
   6. If you are not at home 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 leave you a note informing you of how to rearrange delivery or collect the products from a local depot.
   7. If you do not rearrange delivery. If you do not collect the products from us as arranged or if, after a failed delivery to you, you do not rearrange 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 rearrange delivery or collection we may end the contract and clause 10.2 will apply.
   8. When you become responsible for the goods. A product that is goods will be your responsibility from the time we deliver the product to the address you gave us or you collect it from us.
   9. When you own goods. You own a product that is goods once your order has been accepted and we have received payment in full.
   10. 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, your name, address, telephone, email, passport details, or other proof of identity and required size. We will contact you in writing 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 if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
   11. Reasons we may suspend the supply of products to you. We may have to suspend the supply of a product to:
       1. deal with technical problems or make minor technical changes;
       2. update the product to reflect changes in relevant laws and regulatory requirements;
       3. make changes to the product as requested by you or notified by us to you (see clause 6).
   12. Your rights if we suspend the supply of products. We will contact you in advance to tell you we will be suspending supply of the product unless the problem is urgent or an emergency. If we have to suspend the product, we will adjust the price so that you do not pay for products while they are suspended. You may contact us to end the contract for a product if we suspend it or tell you we are going to suspend it. In each case, we will refund any sums you have paid in advance for the product in respect of the period after you end the contract.
   13. We may also suspend the 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 11.4) and you still do not make payment within 14 days of us reminding you that payment is due, we may suspend the 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.

8. Your rights to end the contract
   1. Ending your contract with us. Your rights to 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:
      1. If you have just changed your mind about the product, see clause 8.2. 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 goods;
      2. If you want to end the contract because of something we have done or have told you we are going to do, see clause 8.3;
      3. If what you have bought is faulty or misdescribed, you may have a legal right to end the contract or to get some or all of your money back, see clause 8.4.
   2. Exercising your right to change your mind (Consumer Contracts Regulations 2013). Under the Consumer Contracts Regulations 2013, you have a right to change your mind within 21 days (“the cooling-off period”) after receiving the goods and to receive a refund. If you want to do this, you must follow the procedure set out in clause 9, but you do not have a right to change your mind in respect of products sealed for health protection or hygiene purposes if these have been unsealed after you receive them.
   3. Ending the contract because of something we have done or are going to do. If you are ending the contract for a reason set out in this clause, then 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:
      1. we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 6.2);
      2. 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;
      3. there is a risk that the supply of the products may be significantly delayed because of events outside our control;
      4. we have suspended the supply of the products for technical reasons or notify you we are going to suspend them for technical reasons; or
      5. you have a legal right to end the contract because of something we have done wrong.
   4. If there is a problem with the product:
      1. How to tell us about problems. If you have any questions or complaints about the product, please contact us. You can write to us at hello@phineybanks.com
      2. Summary of your legal rights. We are under a legal duty to supply products that conform with their contract of sale. If they do not, you can ask us to repair or replace them or, if this is not possible, for a refund. Nothing in these terms will affect your legal rights.
      3. Your obligation to return rejected products. If you wish to exercise your legal rights to reject products because they are faulty or misdescribed, you must post them back to us. We will pay the costs of postage or collection. Please email us at hello@phineybanks.com.
9. How to end the contract with us (including if you have changed your mind)
   1. Tell us you want to end the contract. To end the contract with us, please let us know by doing the following:
      1. Email us at hello@phineybanks.com. Please provide your name, home address, details of the order and, where available, your phone number and email address.
      2. By post. Simply write to us at our address including details of what you bought, when you ordered or received it and your name and address.
   2. Returning* products after ending the contract. If you end the contract for any reason after products have been dispatched to you or you have received them, you must return them to us. You must post them back to us at Phiney Banks, Returns Department, 71-75 Shelton Street, London, Greater London, WC2H 9JQ, United Kingdom. Please email us at hello@phineybanks.com for a return label or to arrange collection. If you are exercising your right to change your mind you must send off the goods within 14 days of telling us you wish to end the contract. * Please note that all toiletries products are non-returnable.
   3. When we will pay the costs of return. We may offer free or subsidized returns in certain countries or with certain promotions. Otherwise, we will pay the costs of return only:
      1. if the products are faulty or misdescribed; or
      2. 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 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.
   4. How we will refund you. If you are entitled to a refund, 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.
   5. Deductions from refunds if you are exercising your right to change your mind. If you are exercising your right to change your mind:
      1. We may reduce your refund of the price (excluding delivery costs) to reflect any reduction in the value of the goods, if this has been caused by your handling them in a way which would not be permitted in a shop. See our Delivery and Returns page at www.phineybanks.com/delivery-returns for information about what is acceptable. If we refund you the price paid before we are able to inspect the goods and later discover you have handled them in an unacceptable way, you must pay us an appropriate amount.
      2. 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.
   6. 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 your refund will be made within 5 business days from the day on which we receive the product back from you or the day on which you inform us that you have changed your mind or, if earlier, the day on which you provide us with evidence that you have sent the product back to us. For information about how to return a product to us, see clause 9.2.
   7. Please refer to Delivery and Returns page on our website for more details at www.phineybanks.com/delivery-returns.

10. Our rights to end the contract
    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:
       1. you do not make any payment to us when it is due and you still do not make payment within 14 days of us reminding you that payment is due;
       2. 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, for example, delivery information; or
       3. you do not, within a reasonable time, allow us to deliver the products to you or collect them from us.
    2. You must compensate us if you break the contract. If we end the contract in the situations set out in clause 10.1 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.
11. Price and payment
    1. Where to find the price for the product. The price of the product in Sterling, Euros or US Dollars (payment currency) (which includes VAT) will be the price indicated on the order pages when you placed your order. We take all reasonable care to ensure that the price of the product advised to you is correct. However, please see clause 11.3 for what happens if we discover an error in the price of the product you order.
    2. 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.
    3. What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product’s correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product’s correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we accept your order. If we accept and process your order where a pricing error is obvious and unmistakeable and could reasonably have been recognized by you as a mispricing, we may end the contract, refund you any sums you have paid, and require the return of any goods provided to you.
    4. When you must pay and how you must pay. We accept payment with most major credit and debit cards, for example, American Express, Visa, and MasterCard. We also accept PayPal, Apple Pay, Klarna, and Bank Transfers. You must pay for the products before we dispatch them. If you wish to place an order using Bank Transfer, please contact us for further details. Please note we do not accept cheques.
    5. 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 3% 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.
    6. 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. You will not have to pay any interest until the dispute is resolved. Once the dispute is resolved, we will charge you interest on correctly invoiced sums from the original due date.
    7. You are responsible for bank charges and exchange rate changes. Prices shown in any currency other than Payment Currency may be an approximation at the existing currency exchange rate. In this case, the final price you pay will be calculated in accordance with the applicable exchange rate on the day your card issuer processes the transaction. Please note that we do not have any control over how much your card issuer may charge for such transactions.
12. Our responsibility for loss or damage suffered by you
    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.
    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, 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; and for defective products under the Consumer Protection Act 1987.
    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.
13. How we may use your personal information
    1. How we may use your personal information. We will only use your personal information as set out in our www.phineybanks.com/privacy.

14. Other important terms
    1. We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this. If you are unhappy with the transfer, you may contact us to end the contract within 14 days of us telling you about it and we will refund you any payments you have made in advance for products not provided.
    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.
    3. Nobody else has any rights under this contract (except someone you pass your guarantee on to). 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.
    4. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    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.
    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.
    7. Alternative dispute resolution. This is a process under which an independent body considers a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you can submit a dispute for online resolution to the European Commission’s online dispute resolution platform.

https://ec.europa.eu/consumers/odr/main/index.cfm?event=