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SGB Gold
45, Greywell Shopping Centre
HAVANT
Hampshire
PO9 5AH
45, Greywell Shopping Centre
HAVANT
Hampshire
PO9 5AH
SGB Gold
Terms and Conditions
Buy
Borrow
Sell
Terms & Conditions.
Welcome to the SGB Gold website. By continuing to use this website you accept these Terms & Conditions of use.
Please also read our Privacy policy section about Data Protection and how we use the information you give us.
On this website.
"We" and "us" means SGB Gold.
"You" means the person using the website.
The website is intended for UK users only.
By using the website to buy goods online, you confirm that you are at least 18 years old, or, if you are under 18, that you are placing an order on this website with the consent of your parent or guardian. We do not sell goods to children online, but we do sell children's goods for purchase
Terms & Conditions of use of this website
Website content.
We own the copyright to all the contents and materials of this website, including images. All trademarks and other intellectual property are owned or licensed by us (unless otherwise specified) or are the property of third parties offering goods for sale through this website.
You may not copy, reproduce, distribute, republish, download, display, post or transmit any part of the website without written consent from us (except as stated below).
You may print or download any page(s) for your own personal and non-commercial use only. If you have any doubts about what you can do, please go to our Contact us page to apply for permission to reproduce the website.
While our website is as accurate, current, complete or error free as possible, we cannot accept responsibility for any inaccuracies or errors beyond our reasonable control. We cannot guarantee that colours in our images will be rendered correctly on different computer monitors. The product dimensions supplied are intended to give an approximate indication of the size of individual products. Products shown may not be actual size.
Unless we have been negligent, we cannot accept any liability for loss or damage arising from any action you may take relying on the information contained on this Website.
External material.
We cannot guarantee that the website is free from computer viruses, and you should take your own precautions in this respect.
We will try to make sure that the website is always available. However, this is not always possible, and we are not liable if the website is unavailable at any time or for any period. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.
Links.
The website may contain links to other websites; these external websites are not under our control. We cannot be held responsible for such websites and cannot make any guarantees about them. We provide these links because we think they might interest you, but we do not monitor or endorse these other websites.
Termination of the website or services
We reserve the right to terminate the website or remove any of the services on it with immediate effect at any time, for example if:
• There is a change in the law that limits our ability to provide the website
• An event beyond our control stops us providing the website.
Changes to Terms & Conditions.
We reserve the right to change these Terms & Conditions of use from time to time. If this happens, we will notify you by posting the new Terms & Conditions of use on the website. If you do not wish to be governed by the revised Terms & Conditions of use, please stop using the website.
Liability
We take no responsibility for any loss or damage suffered as a result of our "gold recycling/buying" service, our "order online" service, or goods supplied using it, except as required by law, even if we could have foreseen the loss, or the possibility of it was brought to our attention.
We remain liable for:
• Loss, damage, death or personal injury resulting from our negligence
• Fraudulent misrepresentations
• The quality of our goods
Please note that whilst we will make every effort to deliver your goods by the estimated delivery date, due to circumstances beyond our reasonable control, such as adverse weather conditions we cannot guarantee that your goods will arrive by the estimated date.
General.
These Terms & Conditions of use are governed by the law of England and you and we agree to use the English courts if there is any dispute between us.
If any part of these Terms & Conditions of use is found to be invalid by law, the rest of them remain valid and enforceable.
BUY .
Welcome to the SGB Gold online service. By placing an order using this service you are accepting these Terms & Conditions. Please read these Terms & Conditions before placing an order. These Terms & Conditions only apply to goods purchased online using this website.
In these Terms & Conditions
"We" and "us" means SGB Gold
"You" means the person placing an order.
"The contract is agreed" - by completing and submitting an electronic order form, you are making an offer to purchase goods which, if accepted by us, will result in a binding contract - See Ordering process below.
"Working days" excludes Saturdays, Sundays and English statutory and public holidays.
By using the website to buy goods online, you confirm that you are at least 18 years old, or, if you are under 18, that you are placing an order on this website with the consent of your parent or guardian. We do not sell goods to children online, but we do sell children's goods for purchase by people over 18.
Ordering, cancelling before dispatch and returning after dispatch.
Ordering.
By completing and submitting an electronic order form, you are making an offer to purchase goods, which, if accepted by us, will result in a binding contract.
Orders will only be dispatched once we have authorization from your payment card issuer. We will not be liable if there is a delay, and we will not accept your order if payment is not authorised.
Certain steps must be followed for a contract to be formed, as described below.
After you have placed your order:
1. We will send you, as soon as possible, an email to acknowledge your order. It will confirm which goods you have ordered. This email is not an order acceptance from us.
2. When we dispatch your goods from the warehouse, we will send you a confirmation email. This email constitutes a formal acceptance of your order by us. This also means that a contract between us is agreed and we are obliged to fulfill our obligations under this contract.
We do not have to accept your order, and for example, we will not accept your order if:
• We do not have the goods in stock
• Your payment is not authorised
• There is an error on our website regarding the price or other details of the goods
• You have cancelled it in accordance with the instructions below
We reserve the right to refuse any order.
Cancelling an order before dispatch.
If you change your mind after placing an order, you can cancel it at any time before we dispatch it. Please see the Contact us page for our telephone number. You will need to give us your name and address details, as well as your order number to cancel your order.
Returning goods after dispatch
Cooling off period
When you order from us online, you are entitled to a cooling off period after dispatch, when you can return your goods without any penalty. Our cooling off period is 7 days, which includes any statutory cooling off period.
This period starts the day the contract is agreed (i.e. you receive an email from us saying we have dispatched your order) and ends 7 days after the day following delivery of the goods.
Please refer to our Returns & Exchanges page for details of how and where to return goods.
If you wish to return goods you have a duty to keep them in your possession and to take reasonable care of them until you return them. Returns costs are at your expense, unless faulty, and we recommend using a fully tracked and insured service. Goods must be returned in their original condition, with tags still in situ, including immediate packaging, within the cooling off period.
We accept refunds or exchanges of pierced items in original packaging. If you would like to return your purchase please ensure the plastic bag containing your order remains sealed. If the items have been removed from the bag or if the bag has been tampered with, we cannot refund or exchange the item due to hygiene reasons.
Our returns policy does not affect your statutory rights.
For further information on your statutory rights look at www.consumerdirect.gov.uk.
Product availability.
Our website only shows goods available for purchase in the UK, including Northern Ireland.
We are unfortunately unable to dispatch goods to addresses outside the UK, or in the Channel Islands.
Some goods indicated on our website as such, are not available to buy online, but are available to buy at your local SGB Gold store.
Pricing and payment.
Prices throughout the website are quoted in Pounds Sterling, and payment can only be accepted in Pounds Sterling. Prices quoted on the website are applicable exclusively to goods purchased through this website.
While we make every effort to ensure that the goods shown on our website are currently available at the price shown on the website, we cannot guarantee that this will always be the case. If goods you have ordered online are unavailable, you will be notified as soon as possible.
If a pricing error is made on our website or in the ordering process we will inform you as soon as possible and give you the option of buying the goods at the correct price or cancelling the order. Your order will be cancelled if we cannot get in contact with you to notify you of the error.
Your payment card will be debited for your order on the day that we dispatch your goods.
• Due to hygiene reasons, earrings must be returned in the original sealed packaging to receive a refund.
• All reduced items have been offered at a higher price in store for 28 days or more.
• SGB Gold reserves the right to amend these terms and conditions or withdraw the promotion as necessary due to circumstances beyond its control.
• These offer terms and conditions together with our general terms and conditions of sale shall apply to all purchases.
Delivery information.
• All delivery is free and fully insured.
• We use the Royal Mail Special Delivery service and all deliveries will require to be signed for.
• We reserve the right to change or discontinue free delivery at any time.
When will I receive my order?
We will email you as soon as your order has been dispatched. You will receive your order on the next working day.
You will need someone to sign and accept delivery.
Refund policy.
Faulty goods.
The procedures set out here, to return goods do not affect your statutory rights.
Further information on your statutory rights can be found at www.consumerdirect.gov.uk.
Returning a gift.
Cash refunds for gifts can only be made to the payment card used to purchase the goods. So if you buy a gift online, the recipient will not be able to get a cash refund if they want to return the goods.
Changes to Terms & Conditions for buying goods online.
We reserve the right to change these Terms & Conditions for buying goods online from time to time. If this happens, we will notify you by posting the new Terms & Conditions for buying goods online on the website. If you do not wish to be governed by the revised Terms & Conditions for buying goods online, you must not place any further orders.
These Terms & Conditions for buying goods online are governed by the law of England and you and we agree to use the English courts if there is any dispute between us.
If any part of these Terms & Conditions for buying goods online is found to be invalid by law, the rest of them remain valid and enforceable.
Borrow.
SGB Gold provisional offer is based on the original pledge description received from the customer. SGB Gold values the pledge in good faith, according to accepted industry standards and prevailing market rates, and on the assumption that the description provided by the customer is completely accurate.
On receiving the pledge from the customer, SGB Gold inspects the pledge, and compares the actual pledge to the original description supplied by the customer, in order to confirm they match.
Should a pledge prove to vary from the original description in a manner which affects the valuation, SGB Gold reserves the right to adjust the loan offer either upwards (in the case of higher actual quality compared with original description) or downwards (in the case of lower actual quality compared with original description).
Confirmed offers are contracted between the customer and SGB Gold.
In order to set up the loan, SGB Gold may require proof of the customer’s identity, which must be a copy of photo ID (e.g. passport, national identity card or driving license), and documentation verifying the customer’s current mailing address (e.g. a utility bill, council tax bill or bank statement less than three months old).
Loan contracts between SGB Gold and the customer are not legally binding until after we inspect the pledge, make a revised, and, if necessary adjusted offer, and the customer confirms via e-mail that they have read, understood and agreed the contract on offer.
All loans will run for Twenty Eight (28) days, with interest charged daily.
A redemption fee to cover postage will be charged at the end of the contract in addition to the loan value and any interest accrued. The redemption fee will be clearly stated in the loan balance. The redemption fee is a one-off charge, is not part of the loan and will not accrue interest.
To redeem a pledge, the customer pays off all outstanding charges – the redemption fee, the loan value plus all interest charges – at any point of their loan term.
The customer can redeem their pledge before the end of the contract by paying off the redemption fee; the loan value and any interest accrued to the date of redemption. Interest owed is calculated on a daily basis; part days are charged as full days. No other charges will be due.
Should a loan not be extended or paid off with interest within the 28-day loan period, the customer will be informed in writing of the intention to sell. The goods will then become the full property of SGB Gold.
All loan costs are accompanied by an APR quote.
Should the customer decline the confirmed offer, SGB Gold reserves the right to request the customer to settle any shipping costs incurred by SGB Gold in shipping the pledge from and back to the customer.
Sell.
Requirements for Use
Customer must be at least eighteen (18) years of age in order to conduct a SGB Gold transaction. In addition, every customer of SGB Gold must be the actual owner of any and all property sold or attempting to be sold to SGB Gold.
The customer must be acting on his or her own behalf and not as the agent or representative of another person.
Online / Verbal Quotation.
All valuations are subject to the Gold being weighed and tested by us.
Gold Valuations.
Providing the final valuation does not differ by more or less than 10% of our initial quotation, payment will be automatically made using the customer's preferred payment method. Valuations are based on the published Gold price the day we receive the gold.
If however the final valuation differs by more or less than 10% of the initial quote, authorization will be sought before payment is made.
SGB Gold reserves the right to return gold to the customer.
Gold Testing.
It is important to note the items may become tarnished where testing takes place.
Such tarnishing is however superficial and can be polished out.
In some circumstances, it may be necessary to scrape a very small sample of metal from the item.
If this occurs, we will always do our best to ensure this is done on an area of the item that is not usually visible. Also any non Gold, stones etc., will be removed prior to weighing.
If, following testing, we determine an item is not Gold, it will be returned to the customer using Royal Mail Recorded Delivery.
Deliveries.
SGB Gold will not be held liable for any loss or damage to items whilst in transit to us. Please therefore ensure that you obtain a receipt from the Post Office for your pre-paid Royal Mail Special Delivery envelope. All envelopes are insured for £500.00, should you require further insurance please ask when you send your envelope at the Post Office.
If you are not using our pre-paid envelope please ensure you use an insured, traceable service.
SGB Gold reserves the right, in its sole discretion, to reject delivery of any mail, envelope or package, which appears to be damaged, opened, or tampered with and any such mail, envelope or package will be returned by the post office to the customer.
SGB Gold shall have no liability to any customer for any such attempted delivery or return of any such items.
Consumer law.
SGB Gold meets all obligations under the consumer protection laws currently in force including:
The Sale of Goods Act 1979
The Supply of Goods and Services Act 1982
The Consumer Credit Act 1974
The Trade Descriptions Act 1968
The Unfair Contract Terms Act 1977
The Regulations 1994
The Consumer Protection Act 1987
Disagreements Governing Law and Jurisdiction.
We will try to solve any disagreements quickly and efficiently.
If you are not happy with the way we deal with any disagreement and you want to take court proceedings, you must do so within England or Wales and the laws of England and Wales will apply
