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Terms & Conditions, Disclaimer, Terms of Use, Privacy Policy and Copyright Information

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Terms & Conditions

This page (together with the documents referred to on it) tells you the terms and conditions ("Terms & Conditions") on which we supply any of the products or services ("Products") listed on our website www.whichwayhome.com (the "Site") to you. Please read these Terms & Conditions carefully before ordering any Products from the Site. You should understand that by ordering any of the Products, you agree to be bound by these Terms & Conditions. You can print a copy of these Terms & Conditions by selecting the print option from the "File" menu of your browser. Please also note that the use of the Site is subject to the terms contained in the Disclaimer document below, which apply whether or not you order any Products from the Site. You should also read our Privacy Policy, also included below.

1. Information about us
The Site is operated by WhichWayHome Limited ("we" / "us"). We are registered in England and Wales under company number 7104994 and with our registered office at 10 Virginia Court, Virginia Water, Surrey, GU25 4AF.

2. How the contract is formed between you and us
2.1 You may place an order to purchase a Product advertised for sale on the Site by following the onscreen prompts after clicking on the item you are interested in. You will have an opportunity to check and correct any input errors in your order up until the point at which you submit your order by clicking the "Make Payment" button on the "Payment Details" page.
2.2 After placing an order, you will receive an e-mail from us acknowledging that we have received your order and giving an order number and a summary of your order. Please note that this does not mean that your order has been accepted. Your order constitutes an offer to us to buy a Product. All orders are subject to acceptance by us, and we will confirm such acceptance to you by sending you an e-mail that confirms that the Product has been dispatched (the "Dispatch Confirmation"). The contract between us will only be formed when we send you the Dispatch Confirmation.
2.3 The contract will relate only to those Products whose dispatch we have confirmed in the Dispatch Confirmation. We will not be obliged to supply any other Products which may have been part of your order until the dispatch of such Products has been confirmed in a separate Dispatch Confirmation.
2.4 We may choose not to accept your order for any reason and we will not be liable to you or to anyone else in those circumstances.
2.5 We may be unable to process your order if:
(i) the Product you ordered is out of stock or discontinued; or
(ii) there is a problem with authorisation of the payment on your credit card.

3. Delivery
3.1 We will deliver the Products to you in accordance with the delivery option specified by you when you placed your order (e.g. Standard Delivery or Next Day Delivery).
3.2 We will usually deliver all Products comprised in your order in one delivery. We will deliver directly to the delivery address specified in your order. Please see Delivery Information for details of where we deliver and the available delivery options. We cannot deliver items within the same order to multiple addresses. Deliveries will be made to your door. We are not responsible for any additional carrying or positioning of Products ordered. Deliveries must be signed for at the delivery address.

4. Risk and Ownership
4.1 Once delivered, the Products ordered will become your responsibility and, except in relation to Products that are damaged or faulty when delivered or have been incorrectly delivered, we will not accept any liability for their loss, damage or destruction after they have been delivered.
4.2 Ownership of the Products will only pass to you on: delivery of the Products to you; or us receiving full payment of all sums due in respect of the Products (including delivery charges), whichever is the later.

5. Price and Payment
5.1 The price of any Products will be as quoted on our Site from time to time, except in cases of obvious error.
5.2 These prices include VAT but exclude delivery costs, which will be added to the total amount due once you have selected a delivery service from the available options as set out in Delivery Information.
5.3 Prices are liable to change at any time, but changes will not affect orders in respect of which we have already sent you a Dispatch Confirmation.
5.4 We cannot complete your order until you have paid for it in full. Payment can be made by most major credit or debit cards, by completing the relevant details on the "Payment Details" page.
5.5 By using a credit/debit card to pay for your order, you confirm that the card being used is yours. All credit/debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your card refuses to authorise payment we will not accept your order and we will not be liable for any delay or non-delivery and we are not obliged to inform you of the reason for the refusal. We are not responsible for your card issuer or bank charging you as a result of our processing of your credit/debit card payment in accordance with your order.
5.6 Our Site contains a large number of Products and it is always possible that, despite our best efforts, some of the Products listed on our Site may be incorrectly priced. We will rectify any such errors as soon as possible once we become aware of them. If a Product’s correct price is different from the price stated on our Site, we will normally, at our discretion, either contact you for instructions before dispatching the Product, or reject your order and notify you of such rejection.

6. Our Cancellation, Returns and Refund Policy
6.1 Except in relation to the Products specified in the next paragraph, you may cancel your order (or any part of it) at any stage before the Products are despatched to you. You may do so by contacting us using the “Contact Us” link in the footer of every page.
6.2 If any Product you purchase is damaged, faulty or incorrect, when delivered to you we may offer an exchange or refund as appropriate, in accordance with your legal rights. If you believe a Product is faulty, you should return the Product to us in accordance with the Returns Procedure. If you have any questions regarding returns, please use the “Contact “Us” link in the footer of each page.
6.3 After you cancel your order or return a damaged, faulty or incorrect Product, any sum debited by us to your credit/debit card will be refunded in full. We will notify you of your refund via e-mail within a reasonable period of time. We will usually refund any money received from you using the same method originally used by you to pay for your purchase. We will usually process the refund due to you as soon as possible and, in any case, within 30 days of receiving the cancellation request and, where applicable, the order back from you.
6.4 Under the U.K. Distance Selling Regulations 2000, consumers have a cooling-off period of seven working days in which to cancel the contract, starting from when the goods are received.
6.5 Our policy on cancellations, returns and refunds does not affect your statutory legal rights.

7. Our liability
7.1 We accept no liability for losses, and no liability and offer no warranties or conditions in relation to this Site or its content, to the fullest extent such liability can be excluded by law.
7.2 This does not include or limit in any way those liabilities that cannot, under English law, be excluded.
7.3 Nothing in this section 7 or elsewhere in our Terms & Conditions affects your statutory legal rights.

8. Notices
Any formal legal notices should be sent to us at our registered office detailed above.

9. Events outside our control
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations that is caused by events outside our reasonable control.

10. General
10.1 If any of these Terms & Conditions are declared invalid, unlawful or unenforceable, then that provision shall be deemed to be deleted from these Terms & Conditions and the remaining provisions shall remain in full force and effect.
10.2 We have the right to revise and amend these Terms & Conditions from time to time without prior notice by changing them on the Site, provided that any such change will not affect any purchases you have made before the change is implemented.
10.3 Failure by us to enforce a right does not result in waiver of such right. You may not assign or transfer your rights under these Terms & Conditions.
10.4 You and we agree that English law applies to these Terms & Conditions and that any dispute between us arising out of or in connection with these Terms & Conditions will only be dealt with by the English courts, unless you are resident in another part of the United Kingdom, in which case the applicable law of that part of the United Kingdom will apply and any dispute will be brought before the courts there. We are required by law to inform you that purchases can be concluded in English only and that no public filing requirements apply.

11. Contact Us
If you experience problems with ordering from the Site or have any questions with regard to an order, please let us know using the “Contact Us” link in the footer of each page.

12. Updates
These Terms & Conditions were last updated in December 2009.

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Disclaimer & Terms of Use

Introduction
www.whichwayhome.com (the "Site") is operated by WhichWayHome Limited ("we" and "us" and "our"). Use of the Site is on the terms contained in this document ("Terms of Use"). If you do not agree to these Terms of Use, stop using the Site immediately. By accessing and using this Site you are indicating your acceptance to be bound by these Terms of Use. They are a legal agreement between you and us and can only be amended with our consent. They should be read in conjunction with any details provided on the Site about how the Site operates and the services which are available.

The supply of any products or services you order from this Site is subject to our Terms & Conditions. You should also read our Privacy Policy.

We reserve the right to change these Terms of Use from time to time without prior notice by changing them on the Site.

Financial Decisions
All material published here is intended to inform your thinking, not to lead it. Only you can decide the best place for your money, and any decision you make will put your money at risk. Any opinions expressed herein are statements of judgement and are subject to change without notice. Any action taken as a result of reading this site is solely the responsibility of the reader. Information or data included here may have already been overtaken by events – and must be verified elsewhere – should you choose to act on it.

Movements in financial assets such as shares and commodities can be very volatile and sudden. The past is not a reliable indicator of future performance. Financial assets are by their nature speculative investments. You should never invest more than you can safely afford to lose and appropriate independent advice should be obtained before making any such decision. Should you choose to a particular financial asset after using this site – and then doing further research before judging your own financial situation and opinions – you will be exposed to the risk of potential losses arising from a fall in the value of that asset during the time in which you own it. WhichWayHome Limited does not accept liability for any loss suffered by readers as a result of any such decision.

No information contained on this Site constitutes either an offer or a solicitation to buy or sell financial securities, commodites, or any other financial product. Physical gold bullion owned outright is not an investment "security". For that reason, advice regarding gold bullion is specifically excluded, for example, from financial regulation in the United Kingdom.

The information contained in the Site is for general information only and is not intended to be relied upon by individual readers in making (or not making) specific investment decisions. Individual investment objectives vary and the information contained in this site should not be construed as advice to meet the particular needs of the reader.

Although we hope this Site will be of interest to users (and except to the extent that our Terms & Conditions apply), we accept no liability for any losses, and no liability and offer no warranties or conditions in relation to this Site or its content, to the fullest extent such liability can be excluded by law.

By its nature the content of this Site challenges you to think about economic matters and their consequences. The result of your thinking could be action or inaction regarding your personal finances.

You therefore:
> Accept the duty to check with independent sources any information published on this Site before consequentially acting, or deciding not to act;
> Accept full credit for profits, as well as full responsibility for losses arising out of any decision made after reading the news and views presented here;
> Acknowledge that all opinions about future price movements are uncertain, and also that even wrong views must be presented for the process of intelligent debate, analysis and criticism to occur.

Accessing the Site
We cannot guarantee that the Site will operate continuously or without interruptions or be error-free. You must not attempt to interfere with the proper working of the Site and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt the Site or any computer system, server, router or any other internet-connected device.

You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Site and is compatible with the Site. You also understand that we cannot and do not guarantee or warrant that any content of the Site will be free from infection, viruses and/or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the safety and reliability of data input and output.

From time to time, we may restrict access to some features or parts of the Site, or the entire Site, to users who have registered with us. 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 such information as confidential, and 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 opinion you have failed to comply with any of the provisions of these Terms of Use.

Accuracy of Information
We will use reasonable endeavours to ensure that information on the Site is accurate, but commentary and other material posted on the Site are not intended to amount to advice on which reliance should be placed. Except to the extent that our Terms & Conditions apply, we make no representation or warranty that any information is accurate, complete or up-to-date and, to the fullest extent permitted by law, we accept no liability for any loss or damage caused by any reliance placed on such information by you or anyone to whom you communicate such information.

If you find any inaccurate information on the Site please let us know and we will endeavour to correct it, where we agree, as soon as reasonably practicable.

Links to this & other websites
We may from time to time provide links that will enable you to access the websites of third parties directly from the Site. Such third party sites are not under our control and, unless otherwise stated, we have no relationship with the third parties and no contribution is made by us to the content of such websites. When you click through to these sites you leave the area controlled by us, so we cannot therefore accept responsibility for any issues arising in connection with either the third parties' use of your data, the sites’ content or the services offered to you by these sites.

We may receive payment and/or commission from links or advertisements placed on the Site. This includes, but is not limited to, links and adverts for GoldMoney and BullionVault, through which we earn a commission if you choose to open an account and buy precious metal after following a link or advert placed on our Site.

We reserve the right, at our discretion, to prohibit any link from another internet site to materials or information on this Site. Without prejudice to that right, if you wish to link to the Site, you may only do so on the basis that you link to, but do not replicate, the pages of the Site, and subject to the following conditions:
> you do not remove, distort or otherwise alter the size or appearance of our logo;
> you do not create a frame or any other browser or border environment around the Site;
> you do not in any way imply that we endorse any products or services other than our own;
> you do not misrepresent your relationship with us nor present any other false or misleading information about us;
> you do not otherwise use any of the trade marks displayed on the Site without our express written permission;
> you do not link from a website that is not owned by you; and
> any website from which you link to the Site does not contain any content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

General
Failure by us to enforce a right does not result in waiver of such right. You may not assign or transfer your rights under these Terms of Use.

If any part of these Disclaimer and Terms of Use is found to be unenforceable as a matter of law, all other parts of these Terms of Use shall be unaffected and shall remain in force.

You and we agree that English law applies to these Terms of Use and that any dispute between us regarding the Site or arising out of or in connection with these Terms of Use will only be dealt with by the English courts, unless you are resident in another part of the United Kingdom, in which case the applicable law of that part of the United Kingdom will apply and any dispute will be brought before the courts there.

Contact Us
If you experience problems with the Site or would like to comment on it, please feel free to contact us using the “Contact Us” link in the footer of each page.

Updates
This Disclaimer & Terms of Use were last updated in December 2009.

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Privacy Policy

At www.whichwayhome.com, we respect your privacy and are committed to maintaining it. A summary of our current privacy policy is given below.

We use the information you provide us:
To administer your account and may disclose your details to our third party service providers for the purpose of processing your order.

If you subscribe to any of our email services, we will store your email address along with any other information you may provide. This information may include, but is not limited to, details such as your name and address. Only WhichWayHome Limited has access to this data and will use it to send you your selected email service, WhichWayHome articles, information and occasionally, information about our other associated services.

To unsubscribe from our emails at any time simply click the "Unsubscribe" link at the bottom of any email.

Disclosure of information to third parties:
We may also make details available only to carefully screened companies (and these companies may be based outside of the EEC) whose products or services we feel may interest you. If you wish to receive such contacts, please check the relevant box before submitting your details. We will never disclose your payment details to these third parties. We may pass on non-personal aggregated information about sales and site usage to reputable organisations for research or analysis purposes only.

We use cookies for the following purposes:
Cookies are small pieces of information that are stored by your browser on your computer hard drive. They contain no recognisable personal information. These cookies are used:

To ensure that items are placed into your Shopping Basket and orders processed correctly.
To identify you as you travel around our site.
To provide site usage information, which together with purchase information, will further help us improve and develop the products and services we offer.

By using this Site you consent to:
The information you provide being processed for any of the above purposes, except where you have chosen to opt out of being contacted by us or third parties.

More Information:
If you have any comments, queries or complaints relating to our privacy policy, please contact us using the “Contact Us” link in the footer of each page.

Updates: This Privacy Policy was last updated in December 2009.

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Copyright

All Web site design, text, graphics, and the selection and arrangement thereof, Copyright © 2007-2012 WhichWayHome Limited. All rights reserved.

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