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Terms & Conditions

This page (together with our Privacy Policy, Terms of Use and Acceptable Use Policy) tells you 

 

information about us and the legal terms and conditions (Terms) on which we sell any of the products 

 

(Products) listed on our website (our site) to you. 

 

These Terms will apply to any contract between us for the sale of Products to you (Contract). 

 

Please read these Terms carefully and make sure that you understand them, before ordering any 

 

Products from our site.  Please note that before placing an order you will be asked to agree to these 

 

Terms. If you refuse to accept these Terms, you will not be able to order any Products from our site.

 

You should print a copy of these Terms or save them to your computer for future reference.

 

We amend these Terms from time to time as set out in clause 8. Every time you wish to order Products, 

 

please check these Terms to ensure you understand the terms which will apply at that time. 

 

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

 

1 INFORMATION ABOUT US

 

1.1 We operate the website www.tanbum.com. We are Sunseekers Sunbeds Limited, a company 

 

registered in England and Wales under company number 04697536  and with our registered 

 

office at Richard House, Winckley Square, Preston, Lancashire, PR1 3HP. Our VAT number is 

 

787 8998 18.

 

1.2 We are a limited company.

 

1.3 Contacting us if you are a consumer:

 

1.3.1 To cancel a Contract in accordance with your legal right to do so as set out in clause 9, 

 

1.3.2 If you wish to contact us for any other reason, including because you have any 

 

you just need to let us know that you have decided to cancel. The easiest way to do this 

 

is to complete the cancellation form INSERT LINK TO FORM on our website. A link to 

 

the website cancellation form will be included in our Dispatch Confirmation. If you use 

 

this method we will e-mail you to confirm we have received your cancellation. You can 

 

also e-mail us at info@tanbum.com or by post to Tanbum.com, C/O Sunseekers 

 

Sunbeds Limited, 9-11 Library Street, Wigan, Lancashire, WN1 1NN. If you are emailing 

 

us or writing to us please include details of your order to help us to identify it. If you send 

 

us your cancellation notice by e-mail or by post, then your cancellation is effective from 

 

the date you send us the e-mail or post the letter to us. 

 

complaints, you can contact us by e-mailing us at info@tanbum.com. 

 

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1.3.3 If we have to contact you or give you notice in writing, we will do so by e-mail or by pre-

 

paid post to the address you provide to us in your order.

 

1.4 Contacting us if you are a business. You may contact us by e-mailing us at info@tanbum.com.  

 

If you wish to give us formal notice of any matter in accordance with these Terms, please see 

 

clause 18.3.

 

2 OUR PRODUCTS 

 

2.1 The images of the Products on our site are for illustrative purposes only. Although we have made 

 

every effort to display the colours accurately, we cannot guarantee that your computer's display 

 

of the colours accurately reflect the colour of the Products. Your Products may vary slightly from 

 

those images. 

 

2.2 Although we have made every effort to be as accurate as possible, all sizes, weights, capacities, 

 

dimensions and measurements indicated on our site are approximate only.

 

2.3 The packaging of the Products may vary from that shown on images on our site.

 

3 USE OF OUR SITE

 

Your use of our site is governed by our Terms of Use and Acceptable Use Policy. Please take the 

 

time to read these, as they include important terms which apply to you.

 

4 HOW WE USE YOUR PERSONAL INFORMATION

 

We only use your personal information in accordance with our Privacy Policy. Please take the 

 

time to read our Privacy Policy, as it includes important terms which apply to you.

 

5 IF YOU ARE A CONSUMER

 

This clause 5 only applies if you are a consumer.

 

5.1 If you are a consumer, you may only purchase Products from our site if you are at least 18 years 

 

old.

 

5.2 Certain Products on our site can only be purchased if you satisfy the legal age requirement for 

 

that product. We are not allowed by law to supply these Products to you if you do not satisfy 

 

these age requirements. If you are underage, please do not attempt to order these Products 

 

through our site. 

 

6 IF YOU ARE A BUSINESS CUSTOMER

 

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This clause 6 only applies if you are a business.

 

6.1 If you are not a consumer, you confirm that you have authority to bind any business on whose 

 

behalf you use our site to purchase Products.

 

6.2 These Terms and our Privacy Policy, Terms of Use and Acceptable Use Policy constitutes the 

 

entire agreement between you and us and supersedes and extinguishes all previous agreements, 

 

promises, assurances, warranties, representations and understandings between us, whether 

 

written or oral, relating to its subject matter. 

 

6.3 You acknowledge that in entering into this Contract you do not rely on any statement, 

 

representation, assurance or warranty (whether made innocently or negligently) that is not set out 

 

in these Terms or our Privacy Policy, Terms of Use and Acceptable Use Policy.

 

6.4 You and we agree that neither of us shall have any claim for innocent or negligent 

 

misrepresentation or negligent misstatement based on any statement in this Contract.

 

7 HOW THE CONTRACT IS FORMED BETWEEN YOU AND US

 

7.1 Our shopping pages will guide you through the steps you need to take to place an order with us. 

 

Our order process allows you to check and amend any errors before submitting your order to us. 

 

Please take the time to read and check your order at each page of the order process.

 

7.2 After you place an order, you will receive an e-mail from us acknowledging that we have received 

 

your order.  However, please note that this does not mean that your order has been accepted.  

 

Our acceptance of your order will take place as described in clause 7.3. 

 

7.3 We will confirm our acceptance to you by sending you an e-mail (Dispatch Confirmation).  The 

 

Contract between us will only be formed when we send you the Dispatch Confirmation. 

 

7.4 If we are unable to supply you with a Product, for example because that Product is not in stock or 

 

no longer available or because we cannot meet your requested delivery date or because of an 

 

error in the price on our site as referred to in clause 12.5, we will inform you of this by e-mail and 

 

we will not process your order. If you have already paid for the Products, we will refund you the 

 

full amount including any delivery costs charged as soon as possible.

 

8 OUR RIGHT TO VARY THESE TERMS

 

8.1 We amend these Terms from time to time. Please look at the top of this page to see when these 

 

Terms were last updated and which Terms were changed. 

 

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8.2 Every time you order Products from us, the Terms in force at the time of your order will apply to 

 

the Contract between you and us.

 

8.3 We may revise these Terms as they apply to your order from time to time to reflect changes in 

 

relevant laws and regulatory requirements. 

 

8.4 If we have to revise these Terms as they apply to your order, we will contact you to give you 

 

reasonable advance notice of the changes and let you know how to cancel the Contract if you are 

 

not happy with the changes. You may cancel either in respect of all the affected Products or just 

 

the Products you have yet to receive. If you opt to cancel, you will have to return (at our cost) any 

 

relevant Products you have already received and we will arrange a full refund of the price you 

 

have paid, including any delivery charges.

 

9 YOUR CONSUMER RIGHT OF RETURN AND REFUND

 

This clause 9 only applies if you are a consumer.

 

9.1 If you are a consumer, you have a legal right to cancel a Contract under the Consumer Contracts 

 

(Information, Cancellation and Additional Charges) Regulations 2013 during the period set out 

 

below in clause 9.3. This means that during the relevant period if you change your mind or decide 

 

for any other reason that you do not want to receive or keep a Product, you can notify us of your 

 

decision to cancel the Contract and receive a refund. Advice about your legal right to cancel the 

 

Contract is available from your local Citizens' Advice Bureau or Trading Standards office.

 

9.2 However, this cancellation right does not apply in the case of: 

 

9.2.1 any Products that are sealed and which are not suitable for return due to health 

 

9.2.2 any Products that are liable to deteriorate or expire rapidly;

 

9.2.3 any Products that are made to your specification or are clearly personalised; and

 

9.2.4 any Products which become mixed inseparably with other items after their delivery.

 

9.3 Your legal right to cancel a Contract starts from the date of the Dispatch Confirmation (the date 

 

on which we e-mail you to confirm our acceptance of your order), which is when the Contract 

 

between us is formed. Your deadline for cancelling the Contract then depends on what you have 

 

ordered and how it is delivered, as set out in the table below:

 

protection or hygiene reasons, if the Products become unsealed after delivery;

 

Your Contract End of the cancellation period 

 

Your Contract is for a 

 

single Product (which is 

 

The end date is the end of 14 days after the day on which 

 

you receive the Product. 

 

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not delivered in 

 

instalments on separate 

 

days). 

 

Your Contract is for 

 

either of the following:

 

· one Product which 

 

is delivered in 

 

instalments on 

 

separate days.

 

· multiple Products 

 

which are delivered 

 

on separate days. 

 

Your Contract is for the 

 

regular delivery of a 

 

Product over a set 

 

period. 

 

Example: if we provide you with a Dispatch Confirmation on 

 

1 January and you receive the Product on 10 January you 

 

may cancel at any time between 1 January and the end of 

 

the day on 24 January. 

 

The end date is 14 days after the day on which you receive 

 

the last instalment of the Product or the last of the separate 

 

Products ordered.

 

Example:  if we provide you with a Dispatch Confirmation on 

 

1 January and you receive the first instalment of your 

 

Product or the first of your separate Products on 10 January 

 

and the last instalment or last separate Product on 15 

 

January you may cancel in respect of all instalments and 

 

any or all of the separate Products at any time between 1 

 

January and the end of the day on 29 January. 

 

The end date is 14 days after the day on which you receive 

 

the first delivery of the Products.

 

Example: if we provide you with a Dispatch Confirmation on 

 

1 January in respect of Products to be delivered at regular 

 

intervals over a year and you receive the first delivery of 

 

your Product on 10 January, you may cancel at any time 

 

between 1 January and the end of the day on 24 January. 

 

24 January is the last day of the cancellation period in 

 

respect of all Products to arrive during the year. 

 

9.4 To cancel a Contract, you just need to let us know that you have decided to cancel. The easiest 

 

way to do this is to complete the cancellation form [INSERT LINK TO FORM] on our website. A 

 

link to the website cancellation form will be included in our Dispatch Confirmation. If you use this 

 

method we will e-mail you to confirm we have received your cancellation. 

 

You can also e-mail us at info@tanbum.com or by post to Tanbum.com, C/O Sunseekers 

 

Sunbeds Limited, 9-11 Library Street, Wigan, Lancashire, WN1 1NN.  If you are e-mailing us or 

 

writing to us please include details of your order to help us to identify it. If you send us your 

 

cancellation notice by e-mail or by post, then your cancellation is effective from the date you send 

 

us the e-mail or post the letter to us. For example, you will have given us notice in time as long as 

 

you get your letter into the last post on the last day of the cancellation period or e-mail us before 

 

midnight on that day. 

 

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9.5 If you cancel your Contract we will:

 

9.5.1 refund you the price you paid for the Products. However, please note we are permitted 

 

9.5.2 refund any delivery costs you have paid, although, as permitted by law, the maximum 

 

9.5.3 make any refunds due to you as soon as possible and in any event within the deadlines 

 

by law to reduce your refund 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. 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.

 

refund will be the costs of delivery by the least expensive delivery method we offer 

 

(provided that this is a common and generally acceptable method). 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.

 

indicated below:

 

9.5.3.1 in the event that you have received the Product from us and we have not 

 

offered to collect it from you, the deadline for us making a refund to you will be 

 

14 days after the day on which we receive the Product back from you or, if 

 

earlier, the day on which you provide us with evidence that you have sent the 

 

Product back to us.  For information about how to return a Product to us, see 

 

clause 9.8;

 

9.5.3.2 in  the event that you have not received the Product from us or you have 

 

received it and we have offered to collect it from you, the deadline for us 

 

making a refund to you will be 14 days after you inform us of your decision to 

 

cancel the Contract.

 

9.6 If you have returned the Products to us under this clause 9 because they are faulty or mis-

 

described, we will refund the price of the Products in full, together with any applicable delivery 

 

charges, and any reasonable costs you incur in returning the item to us. 

 

9.7 We will refund you on the credit card or debit card used by you to pay. If you used vouchers to 

 

pay for the Product we may refund you in vouchers.

 

9.8 If a Product has been delivered to you before you decide to cancel your Contract: 

 

9.8.1 then you must return it to us without undue delay and in any event not later than 14 days 

 

9.8.2 unless the Product is faulty or not as described (in this case, see clause 9.6), you will be 

 

after the day on which you let us know that you wish to cancel the Contract;

 

responsible for the cost of returning the Products to us. If the Product is one which 

 

cannot be returned by post, we estimate that if you use the carrier which delivered the 

 

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Product to you, these costs should not exceed the sums we charged you for delivery. If 

 

we have offered to collect the Product from you, we will charge you the direct cost to us 

 

of collection. 

 

9.9 Because you are a consumer, we are under a legal duty to supply Products that are in conformity 

 

with this Contract. As a consumer, you have legal rights in relation to Products that are faulty or 

 

not as described. These legal rights are not affected by your right of return and refund in this 

 

clause 9 or anything else in these Terms. Advice about your legal rights is available from your 

 

local Citizens' Advice Bureau or Trading Standards office. 

 

10 DELIVERY

 

10.1 We will contact you with an estimated delivery date, which will be within 30 days after the date of 

 

the Dispatch Confirmation (the date on which we e-mail you to confirm our acceptance of your 

 

order). Occasionally our delivery to you may be affected by an Event Outside Our Control. See 

 

clause 16 for our responsibilities when this happens. 

 

10.2 Someone must be available at your address to take delivery and sign for the Products. 

 

10.3 Delivery of an Order shall be completed when we or our courier deliver the Products to the 

 

address you gave us and the Products will be your responsibility from that time. 

 

10.4 You own the Products once we have received payment in full, including all applicable delivery 

 

charges. 

 

This clause 10.5 to 10.7 only applies if you are a consumer.

 

10.5 If we miss the 30 days delivery deadline for any Products then you may cancel your Order 

 

straight away if any of the following apply:

 

10.5.1 we have refused to deliver the Products;

 

10.5.2 delivery within the delivery deadline was essential (taking into account all the relevant 

 

10.5.3 you told us before we accepted your order that delivery within the delivery deadline was 

 

circumstances); or

 

essential.

 

10.6 If you do not wish to cancel your order straight away, or do not have the right to do so under 

 

clause 10.5, you can give us a new deadline for delivery, which must be reasonable, and you can 

 

cancel your Order if we do not meet the new deadline.

 

10.7 If you do choose to cancel your Order for late delivery under clause 10.5 or clause 10.6, you can 

 

do so for just some of the Products or all of them, unless splitting them up would significantly 

 

 

reduce their value. If the Products have been delivered to you, you will have to return them to us 

 

or allow us to collect them, and we will pay the costs of this. After you cancel your Order we will 

 

refund any sums you have paid to us for the cancelled Products and their delivery. 

 

11 INTERNATIONAL DELIVERY

 

11.1 We may deliver to the countries outside of the UK (International Delivery Destinations) in our 

 

absolute and sole discretion. 

 

11.2 There are restrictions on some Products for certain International Delivery Destinations, so please 

 

review the information on that page carefully before ordering Products. 

 

11.3 If you order Products from our site for delivery to one of the International Delivery Destinations, 

 

your order may be subject to import duties and taxes which are applied when the delivery 

 

reaches that destination. Please note that we have no control over these charges and we cannot 

 

predict their amount.

 

11.4 You will be responsible for payment of any such import duties and taxes. Please contact your 

 

local customs office for further information before placing your order.

 

11.5 You must comply with all applicable laws and regulations of the country for which the Products 

 

are destined. We will not be liable or responsible if you break any such law.

 

12 PRICE OF PRODUCTS AND DELIVERY CHARGES

 

12.1 The prices of the Products will be as quoted on our site at the time you submit your order. We 

 

take all reasonable care to ensure that the prices of Products are correct at the time when the 

 

relevant information was entered onto the system. However please see clause 12.5 for what 

 

happens if we discover an error in the price of Product(s) you ordered.

 

12.2 Prices for our Products may change from time to time, but changes will not affect any order you 

 

have already placed.

 

12.3 The price of a Product includes VAT (where applicable) at the applicable current rate chargeable 

 

in the UK for the time being. However, if the rate of VAT changes between the date of your order 

 

and the date of delivery, we will adjust the VAT you pay, unless you have already paid for the 

 

Products in full before the change in VAT takes effect.

 

12.4 The price of a Product does not include delivery charges. Our delivery charges are as advised to 

 

you during the check-out process, before you confirm your order. 

 

 

12.5 Our site contains a large number of Products. It is always possible that, despite our reasonable 

 

efforts, some of the Products on our site may be incorrectly priced. If we discover an error in the 

 

price of the Products you have ordered we will contact you to inform you of this error and we will 

 

give you the option of continuing to purchase the Product at the correct price or cancelling your 

 

order. We will not process your order until we have your instructions. If we are unable to contact 

 

you using the contact details you provided during the order process, we will treat the order as 

 

cancelled and notify you in writing. Please note that if the pricing error is obvious and 

 

unmistakeable and could have reasonably been recognised by you as a mispricing, we do not 

 

have to provide the Products to you at the incorrect (lower) price.

 

13 HOW TO PAY

 

13.1 You can only pay for Products using a debit card or credit card, using paypal or any other method 

 

we agree to from time to time.

 

13.2 Payment for the Products and all applicable delivery charges is in advance. 

 

14 OUR LIABILITY IF YOU ARE A BUSINESS

 

This clause 14 only applies if you are a business customer.

 

14.1 We only supply the Products for internal use by your business, and you agree not to use the 

 

Product for any resale purposes.

 

14.2 Nothing in these Terms limits or excludes our liability for:

 

14.2.1 death or personal injury caused by our negligence;

 

14.2.2 fraud or fraudulent misrepresentation;

 

14.2.3 breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and quiet 

 

14.2.4 defective products under the Consumer Protection Act 1987.

 

14.3 Subject to clause 14.2, we will under no circumstances whatever be liable to you, whether in 

 

contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in 

 

connection with the Contract for:

 

14.3.1 any loss of profits, sales, business, or revenue;

 

14.3.2 loss or corruption of data, information or software;

 

14.3.3 loss of business opportunity;

 

14.3.4 loss of anticipated savings;

 

14.3.5 loss of goodwill; or

 

14.3.6 any indirect or consequential loss. 

 

possession); or

 

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14.4 Subject to clause 14.2, our total liability to you in respect of all losses arising under or in 

 

connection with the Contract, whether in contract, tort (including negligence), breach of statutory 

 

duty, or otherwise, shall in no circumstances exceed the price of the Products.

 

14.5 Except as expressly stated in these Terms, we do not give any representation, warranties or 

 

undertakings in relation to the Products. Any representation, condition or warranty which might be 

 

implied or incorporated into these Terms by statute, common law or otherwise is excluded to the 

 

fullest extent permitted by law. In particular, we will not be responsible for ensuring that the 

 

Products are suitable for your purposes.

 

15 OUR LIABILITY IF YOU ARE A CONSUMER

 

This clause 15 only applies if you are a consumer.

 

15.1 If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a 

 

foreseeable result of our breach of these Terms or our negligence, but we are not responsible for 

 

any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious 

 

consequence of our breach or if it was contemplated by you and us at the time we entered into 

 

this contract.

 

15.2 We only supply the Products for domestic and private use. You agree not to use the product for 

 

any commercial, business or resale purposes, and we have no liability to you for any loss of 

 

profit, loss of business, business interruption, or loss of business opportunity.

 

15.3 We do not in any way exclude or limit our liability for:

 

15.3.1 death or personal injury caused by our negligence;

 

15.3.2 fraud or fraudulent misrepresentation;

 

15.3.3 any breach of the terms implied by section 12 of the Sale of Goods Act 1979 (title and 

 

15.3.4 any breach of the terms implied by section 13 to 15 of the Sale of Goods Act 1979 

 

15.3.5  defective products under the Consumer Protection Act 1987.

 

16 EVENTS OUTSIDE OUR CONTROL

 

16.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of 

 

our obligations under a Contract that is caused by an Event Outside Our Control. An Event 

 

Outside Our Control is defined below in clause 16.2.  

 

16.2 An Event Outside Our Control means any act or event beyond our reasonable control, including 

 

without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, 

 

quiet possession); 

 

(description, satisfactory quality, fitness for purpose and samples); and

 

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invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or 

 

preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other 

 

natural disaster, or failure of public or private telecommunications networks or impossibility of the 

 

use of railways, shipping, aircraft, motor transport or other means of public or private transport.

 

16.3 If an Event Outside Our Control takes place that affects the performance of our obligations under 

 

a Contract:

 

16.3.1 we will contact you as soon as reasonably possible to notify you; and

 

16.3.2 our obligations under a Contract will be suspended and the time for performance of our 

 

obligations will be extended for the duration of the Event Outside Our Control. Where 

 

the Event Outside Our Control affects our delivery of Products to you, we will arrange a 

 

new delivery date with you after the Event Outside Our Control is over. 

 

16.4 You may cancel a Contract affected by an Event Outside Our Control which has continued for 

 

more than 30 days. To cancel please contact us. If you opt to cancel, you will have to return (at 

 

our cost) any relevant Products you have already received and we will refund the price you have 

 

paid, including any delivery charges.

 

17 COMMUNICATIONS BETWEEN US

 

17.1 When we refer, in these Terms, to "in writing", this will include e-mail.

 

17.2 If you are a consumer you may contact us as described in clause 1.3. 

 

17.3 If you are a business: 

 

17.3.1 Any notice or other communication given by you to us, or by us to you, under or in 

 

17.3.2 A notice or other communication shall be deemed to have been received: if delivered 

 

17.3.3 In proving the service of any notice, it will be sufficient to prove, in the case of a letter, 

 

17.3.4 The provisions of this clause shall not apply to the service of any proceedings or other 

 

connection with the Contract shall be in writing and shall be delivered personally, sent 

 

by pre-paid first class post or other next working day delivery service or e-mail.

 

personally, when left at our registered office; if sent by pre-paid first class post or other 

 

next working day delivery service, at 9.00 am on the second Business Day after posting 

 

or if sent by e-mail, one Business Day after transmission.

 

that such letter was properly addressed, stamped and placed in the post and, in the 

 

case of an e-mail, that such e-mail was sent to the specified e-mail address of the 

 

addressee. 

 

documents in any legal action.

 

18 OTHER IMPORTANT TERMS 

 

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18.1 We may transfer our rights and obligations under a Contract to another organisation, but this will 

 

not affect your rights or our obligations under these Terms. 

 

18.2 You may only transfer your rights or your obligations under these Terms to another person if we 

 

agree in writing.  

 

18.3 This Contract is between you and us. No other person shall have any rights to enforce any of its 

 

terms.

 

18.4 Each of the paragraphs of these Terms operates separately. If any court or relevant authority 

 

decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in 

 

full force and effect.

 

18.5 If we fail to insist that you perform any of your obligations under these Terms, or if we do not 

 

enforce our rights against you, or if we delay in doing so, that will not mean that we have waived 

 

our rights against you and will not mean that you do not have to comply with those obligations. If 

 

we do waive a default by you, we will only do so in writing, and that will not mean that we will 

 

automatically waive any later default by you. 

 

18.6 If you are a consumer, please note that these Terms are governed by English law. This means 

 

a Contract for the purchase of Products through our site and any dispute or claim arising out of or 

 

in connection with it will be governed by English law. You and we both agree to that the courts of 

 

England and Wales will have non-exclusive jurisdiction. However, if you are a resident of 

 

Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of 

 

Scotland, you may also bring proceedings in Scotland.

 

18.7 If you are a business, a Contract and any dispute or claim arising out of or in connection with it 

 

or its subject matter or formation (including non-contractual disputes or claims) shall be governed 

 

by and construed in accordance with the law of England and Wales. 

 

18.8 If you are a business, we both irrevocably agree that the courts of England and Wales shall 

 

have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with a 

 

Contract or its subject matter or formation (including non-contractual disputes or claims).