GRIT EDUCATION – TERMS AND CONDITIONS

1. THESE TERMS

1.1  What these terms cover. These are the terms and conditions on which we supply product or services to you, whether these are goods or service, services or digital content.

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 product or services 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 or require any changes, please contact us to discuss.

2. INFORMATION ABOUT US AND HOW TO CONTACT US

2.1  Who we are. We are Mayfair Education Consultants Ltd, a company registered in England and Wales. Our company registration number is 10406741 and our registered office is 207 Regent Street, London, W1B 3HH. ‘Grit Education’ is a trading name of Mayfair Education Consultants Ltd.

2.2  How to contact us. You can contact us by telephoning us at 020 7062 5719 or by writing to us at Mayfair Education Consultants Ltd, 207 Regent Street, London, W1B 3HH.

 

2.3  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.

 

2.4  ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

 

3. OUR CONTRACT WITH YOU

3.1  How we will accept your order. Our acceptance of your order will take place when we email you to accept it, at which point a contract will come into existence between you and us.

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 or service. This might be because the product or service 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 service 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. It will help us if you can tell us the order number whenever you contact us about your order.

 

4. OUR PRODUCT OR SERVICES

4.1  Product or services may vary slightly from their pictures. The images of the product or services on our website are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that a device’s display of the colours accurately reflects the colour of the product or services. Your product or service may vary slightly from those images. 

4.2  Product or service packaging may vary. The packaging of the product or service may vary from that shown in images on our website.

4.3  Making sure your measurements are accurate. If we are making the product or service to measurements you have given us you are responsible for ensuring that these measurements are correct. You can find information and tips on how to measure on our website or by contacting us.

 

5. YOUR RIGHTS TO MAKE CHANGES 

If you wish to make a change to the product or service 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 or service, 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 – Your rights to end the contract).

 

6. OUR RIGHTS TO MAKE CHANGES 

6.1  Minor changes to the product or services. We may change the product or service:

(a)  to reflect changes in relevant guidance, laws and regulatory requirements; and

 

(b)  to implement minor technical adjustments and improvements, for example to address a security threat. These changes will not affect your use of the product or service.

 

6.2  More significant changes to the product or services and these terms. In addition, as we informed you in the description of the product or service on our website, we may make the following changes to these terms or the product or service, 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 product or services paid for but not received.

 

6.3  Updates to digital content. We may update or require you to update digital content, provided that the digital content shall always match the description of it that we provided to you before you bought it.

 

7. PROVIDING THE PRODUCT OR SERVICES

7.1  Delivery costs. The costs of delivery will be as displayed to you on our website.

7.2  When we will provide the product or services. During the order process we will let you know when we will provide the product or services to you. If the product or services are ongoing services or subscriptions, we will also tell you during the order process when and how you can end the contract.

 

(a)  If the product or services are goods or service. If the product or services are goods or service 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 we will contact you with an estimated delivery, which will be within 30 days after the day on which we accept your order.

 

(b)  If the product or services are one-off services. We will begin the services on the date set out in the order. The estimated completion date for the services is as told to you during the order process.

 

(c)  If the product or service is a one-off purchase of digital content. We will make the digital content available for download by you as soon as we accept your order.

 

(d)  If the product or services are ongoing services or a subscription to receive goods or service or digital content. We will supply the services, goods or service or digital content to you until either the services are completed or the subscription expires (if applicable) or you end the contract as described in Clause 8 or we end the contract by written notice to you as described in Clause 10.

7.3  We are not responsible for delays outside our control. If our supply of the product or services 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 product or services you have paid for but not received.

 

7.4  Collection by you. If you have asked to collect the product or services from our premises, you can collect them from us at any time during our working hours of 9am till 5pm on weekdays (excluding public holidays)

 

7.5  If you are not at home when the product or service is delivered. If no one is available at your address to take delivery and the product or services cannot be posted through your letterbox, we will leave you a note informing you of how to rearrange delivery or collect the product or services from a local depot.

 

7.6  If you do not re-arrange delivery. If you do not collect the product or services 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.

 

7.7  If you do not allow us access to provide services. If you do not allow us access to your property to perform the services as arranged (and you do not have a good reason for this) we may charge you additional costs incurred by us as a result. If, despite our reasonable efforts, we are unable to contact you or re-arrange access to your property we may end the contract and Clause 10.2 will apply.

 

7.8  Your legal rights if we deliver goods or service late. You have legal rights if we deliver any goods or service late. If we miss the delivery deadline for any goods or service 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 goods or service;

 

(b)  delivery within the delivery deadline was essential (taking into account all the relevant circumstances); or

 

(c)  you told us before we accepted your order that delivery within the delivery deadline was essential.

 

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 goods or service or reject goods or service that have been delivered. If you wish, you can reject or cancel the order for some of those goods or service (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 goods or service and their delivery. If the goods or service 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. 

 

7.11  When you become responsible for the goods or service. A product or service which is goods or service will be your responsibility from the time we deliver the product or service to the address you gave us or you or a carrier organised by you collect it from us.

7.12  When you own goods or service. You own a product or service which is goods or service 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 product or services to you. If so, this will have been stated in the description of the product or services on our website. 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 product or services 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 product or services to you. We may have to suspend the supply of a product or service to:

 

(a)  deal with technical problems or make minor technical changes;

 

(b)  update the product or service to reflect changes in relevant laws and regulatory requirements;

 

(c)  make changes to the product or service as requested by you or notified by us to you (see Clause 6).

 

7.15  Your rights if we suspend the supply of product or services. We will contact you in advance to tell you we will be suspending supply of the product or service, unless the problem is urgent or an emergency. If we have to suspend the product or we will adjust the price so that you do not pay for product or services while they are suspended. You may contact us to end the contract for a product or service if we suspend it, or tell you we are going to suspend it, in each case for a period of more than 14 days and we will refund any sums you have paid in advance for the product or service in respect of the period after you end the contract.

 

7.16  We may also suspend supply of the product or services if you do not pay. If you do not pay us for the product or services when you are supposed to (see Clause 12.4) and you still do not make payment within 14 days of us reminding you that payment is due, we may suspend supply of the product or services until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the product or services. We will not suspend the product or services where you dispute the unpaid invoice (see Clause 12.6). We will not charge you for the product or services during the period for which they are suspended. As well as suspending the product or services we can also charge you interest on your overdue payments (see Clause 12.5).

 

8. 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 what you have bought is faulty or misdescribed you may have a legal right to end the contract (or to get the product or service repaired or replaced or a service re-performed or to get some or all of your money back), see Clause 11;

 

(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 8.2;

 

(c)  If you have just changed your mind about the product or service, 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 goods or service;

 

(d)  In all other cases (if we are not at fault and there is no right to change your mind), see Clause 8.7 OR  Clause 8.8.

 

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 product or services 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 service 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 or service you have ordered and you do not wish to proceed;

 

(c)  there is a risk that supply of the product or services may be significantly delayed because of events outside our control;

 

(d)  we have suspended supply of the product or services for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than 14 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 product or services bought online 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  Our goodwill guarantee. Please note, these terms reflect the goodwill guarantee offered by Mayfair Education Consultants Ltd of 207 Regent Street, London, W1B 3HH to its UK customers, which is more generous than your legal rights under the Consumer Contracts Regulations in the ways set out below. This goodwill guarantee does not affect your legal rights in relation to faulty or misdescribed product or services (see Clause 11.2):

 

8.5  When you don’t have the right to change your mind. You do not have a right to change your mind in respect of:

 

(a)  digital product or services after you have started to download or stream these;

 

(b)  services, once these have been completed, even if the cancellation period is still running;

 

(c)  sealed audio or sealed video recordings or sealed computer software, once these product or services are unsealed after you receive them; and

 

(d)  any product or services which become mixed inseparably with other items after their delivery.

 

8.6  How long do I have to change my mind? How long you have depends on what you have ordered and how it is delivered.

 

(a)  Have you bought services? If so, you have 14 days after the day we email you to confirm we accept your order. However, once we have completed the services you cannot change your mind, even if the period is still running. If you cancel after we have started the services, you must pay us for the services provided up until the time you tell us that you have changed your mind.

 

(b)  Have you bought digital content for download or streaming? if so, you have 14 days after the day we email you to confirm we accept your order, or, if earlier, until you start downloading or streaming. If we delivered the digital content to you immediately, and you agreed to this when ordering, you will not have a right to change your mind.

 

(c)  Have you bought goods or services?, if so you have 14 days after the day you (or someone you nominate) receives the goods or service, unless:

 

(i)  Your goods or service are split into several deliveries over different days. In this case you have until 14 days after the day you (or someone you nominate) receives the last delivery to change your mind about the goods or service.

 

(ii)  Your goods or service are for regular delivery over a set. In this case you have until 14 days after the day you (or someone you nominate) receives the first delivery of the goods or service.

 

8.7  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 8.1), you can still end the contract before it is completed, but you may have to pay us compensation. A contract for goods or service or digital content is completed when the product or service is delivered, downloaded or streamed and paid for. A contract for services is completed when we have finished providing the services and you have paid for them. 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 product or services not provided but we may deduct from that refund (or, if you have not made an advance payment, charge you).

 

9. 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 end the contract with us, please let us know by doing one of the following:

(a)  Phone or email. Call us on 020 7062 5719 or email us at contact@griteducation.co.uk. Please provide your name, home address, details of the order and, where available, your phone number and email address.

 

(b)  By post: Simply write to us at our registered address, including details of what you bought, when you ordered or received it and your name and address.

 

9.2  Returning product or services after ending the contract. If you end the contract for any reason after product or services have been dispatched to you or you have received them, you must return them to us. You must either return the goods or service 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. Please call us on 020 7062 5719 or email us at contact@griteducation.co.uk for a return label or to arrange collection. If you are exercising your right to change your mind you must send off the goods or service within 14 days of telling us you wish to end the contract.

 

9.3  When we will pay the costs of return. We will pay the costs of return:

 

(a)  if the product or services are faulty or misdescribed;

 

(b)  if you are ending the contract because we have told you of an upcoming change to the product or service 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; or

 

(c)  if you are exercising your right to change your mind.

 

In all other circumstances (including where you are exercising your right to change your mind) 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 or service 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 product or services 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 goods or service, 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 goods or service 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 or service within 3-5 days at one cost but you choose to have the product or service delivered within 24 hours at a higher cost, then we will only refund what you would have paid for the cheaper delivery option.

 

(c)  Where the product or service is a service, we may deduct from any refund an amount for the supply of the service for the period for which it was supplied, ending with the time when you told us you had changed your mind. The amount will be in proportion to what has been supplied, in comparison with the full coverage of the contract.

 

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 the product or services are goods or service and we have not offered to collect them, your refund will be made within 14 days from the day on which we receive the product or service back from you or, if earlier, the day on which you provide us with evidence that you have sent the product or service back to us. For information about how to return a product or service to us, see clause 9.2.

 

(b)  In all other cases, your refund will be made within 14 days of your telling us you have changed your mind

 

10. 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 or service 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 14 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 product or services;

(c)  you do not, within a reasonable time, allow us to deliver the product or services to you or collect them from us;

 

(d)  you do not, within a reasonable time, allow us access to your premises to supply the services; or

 

10.2  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 product or services we have not provided but we may deduct or charge you.

 

11. IF THERE IS A PROBLEM WITH THE PRODUCT OR SERVICE

 

11.1  How to tell us about problems. If you have any questions or complaints about the product or service, please contact us. You can telephone our customer service team at 020 7062 5719 or write to us at contact@griteducation.co.uk or Mayfair Education Consultants Ltd, 207 Regent Street, London, W1B 3HH.

11.2  Summary of your legal rights. We are under a legal duty to supply product or services that are in conformity with this contract. See the box below for a summary of your key legal rights in relation to the product or service. 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. If your product or service is goods or service, for example furniture or a laptop, the Consumer Rights Act 2015 says goods or service must be as described, fit for purpose and of satisfactory quality. During the expected lifespan of your product or service your legal rights entitle you to the following: a) Up to 30 days: if your goods or service are faulty, then you can get an immediate refund. b) Up to six months: if your goods or service can’t be repaired or replaced, then you’re entitled to a full refund, in most cases. c) Up to six years: if your goods or service do not last a reasonable length of time you may be entitled to some money back. See also Clause 8.3. If your product or service is digital content, for example a mobile phone app or a subscription to a music streaming service, the Consumer Rights Act 2015 says digital content must be as described, fit for purpose and of satisfactory quality: b) If your digital content is faulty, you’re entitled to a repair or a replacement. c) If the fault can’t be fixed, or if it hasn’t been fixed within a reasonable time and without significant inconvenience, you can get some or all of your money back. d) If you can show the fault has damaged your device and we haven’t used reasonable care and skill, you may be entitled to a repair or compensation See also Clause 8.3. If your product or service is services, for example, the Consumer Rights Act 2015 says: a) You can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if we can’t fix it. b) If you haven’t agreed a price beforehand, what you’re asked to pay must be reasonable. c) If you haven’t agreed a time beforehand, it must be carried out within a reasonable time.

 

11.3  Your obligation to return rejected product or services. If you wish to exercise your legal rights to reject product or services 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 us on 020 7062 5719 or email us at contact@griteducation.co.uk for a return label or to arrange collection.

 

12. PRICE AND PAYMENT

 

12.1  Where to find the price for the product or service. The price of the product or service (which includes VAT) will be the price indicated on the order pages when you placed your order. We take all reasonable care to that the price of the product or service advised to you is correct. However please see Clause 12.3 for what happens if we discover an error in the price of the product or service you order.

12.2  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 or service, we will adjust the rate of VAT that you pay, unless you have already paid for the product or service in full before the change in the rate of VAT takes effect.

 

12.3  What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the product or services we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product or service’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 or service’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.

 

12.4  When you must pay and how you must pay. We accept payment with most UK bank debit and credit cards. When you must pay depends on what product or service you are buying:

 

(a)  For goods or service, you must pay for the product or services before we dispatch them. We will not charge your credit or debit card until we dispatch the product or services to you.

 

(b)  For digital content, you must pay for the product or services before you download them.

 

(c)  For services, You must pay each invoice within 7 calendar days after the date of the invoice.

 

12.5  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 8% a year above the base lending rate of 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.

 

12.6  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.

13. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU  

 

13.1  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.

13.2  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 product or services as summarised at Clause 11.2. 

 

13.3  When we are liable for damage to your property. If we are providing services in your property, we will make good any damage to your property caused by us while doing so. However, we are not responsible for the cost of repairing any pre-existing faults or damage to your property that we discover while providing the services.

 

13.4  If defective digital content which 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. However, we will not be liable for damage which you could have avoided by following our advice to apply an update offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

 

13.5  We are not liable for business losses. We only supply the product or services for domestic and private use. If you use the product or services 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.

 

14. HOW WE MAY USE YOUR PERSONAL INFORMATION

 

14.1  How we may use your personal information. We will only use your personal information as set out in our [LINK TO PRIVACY POLICY].

15. OTHER IMPORTANT TERMS

 

15.1  We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation.

15.2  You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing. We may not agree. However, you may transfer our guarantee at Clause 8.4 to a person who has acquired the product or service or, where the product or service is services, any item or property in respect of which we have provided the services. We may require the person to whom the guarantee is transferred to provide reasonable evidence that they are now the owner of the relevant item or property.

 

15.3  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, except as explained in Clause 15.2 in respect of our guarantee. 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.

 

15.4  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.

 

15.5  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 product or services, we can still require you to make the payment at a later date.

 

15.6  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 product or services in the English courts. If you live in Scotland you can bring legal proceedings in respect of the product or services in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the product or services in either the Northern Irish or the English courts.

 

15.7  Alternative dispute resolution. Alternative dispute resolution is a process where an independent body considers the facts of 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 may want to contact the alternative dispute resolution provider we use.