Terms and Conditions: Consumers

This page (together with our Privacy Policy, Terms of Website Use, Website Acceptable Use Policy and Cookie Policy) tells you information about us and the legal terms and conditions, on which we sell to you any of the products, listed on our website www.binderdirect.uk (our site).

These Terms will apply to any contract between us for the sale to you of Products if you are a consumer (NB: a 'consumer' means an
individual, acting for purposes, which are wholly or mainly outside that individual's trade, business, craft or profession).

Our Terms and Conditions: business customers will apply to any contract between us for the sale to you of Products if you are a business.

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.


OUR TERMS


1.  THESE TERMS

  1.1  What these terms cover

        These are the terms and conditions, on which we supply products to you.

  1.2  Why you should read them

    1.2.1  Please read these terms carefully before you submit your order to us.

    1.2.2  These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract,
               what to do if there is a problem and other important information.

    1.2.3  If you think that there is a mistake in these terms, please contact us to discuss.

2.  INFORMATION ABOUT US AND HOW TO CONTACT US

  2.1  Who we are

    2.1.1  We are BINDER DIRECT UK LIMITED, a company registered in England and Wales.

    2.1.2  Our company registration number is 10119566 and our registered office is at Unit 16A John Bradshaw Court, Alexandria Way,
               Congleton, Cheshire, CW12 1LB

    2.1.3  Our registered VAT number is GB 239 1260 17.

  2.2  How to contact us

        You can contact us by telephoning our customer service team at 01260 285895, or by writing to us at info@binderdirect.uk or at
        Unit 16A John Bradshaw Court, Alexandria Way, Congleton, Cheshire, CW12 1LB

  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 e-mail address or postal address,
        which you provided to us in your order.

  2.4  "Writing" includes e-mails

        When we use the words "writing" or "written" in these terms, this includes e-mails.

3.  OUR CONTACT WITH YOU

  3.1  How we will accept your order

        Our acceptance of your order will take place when we e-mail 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

    3.2.1  If we are unable to accept your order, we will inform you of this and will not charge you for the product.

    3.2.2  This might be because the product is out of stock; because of unexpected limits on our resources, for which we could not
               reasonably plan; because a credit reference, which 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 because we are unable to meet a delivery
               deadline, which you have specified.

  3.3  Your order number

    3.3.1  We will assign an order number to your order and tell you what it is when we accept your order.

    3.3.2  It will help us if you can tell us the order number whenever you contact us about your order.

  3.4  We sell only to the UK or Eire.

    3.4.1  Our website is solely for the promotion of our products in the UK.

    3.4.2  Unfortunately, we do not deliver to addresses outside the UK or Eire.

4.  OUR PRODUCTS

  4.1  Products may vary slightly from their pictures

    4.1.1  The images of the products on our website are for illustrative purposes only.

    4.1.2  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 products.

    4.1.3  Your product may vary slightly from those images.

    4.1.4  Although we have made every effort to be as accurate as possible, all sizes, weights, capacities, dimensions and measurements
               indicated on our website have a 2% tolerance.

  4.2  Product packaging may vary

        The packaging of the product may vary from that, shown in images on our website.

5.  OUR RIGHTS TO MAKE CHANGES

  5.1  Minor changes to the products

        We may change the product:

    5.1.1  to reflect changes in relevant laws and regulatory requirements; and

    5.1.2  to implement minor technical adjustments and improvements (for example, to address a security threat);

        but these changes will not affect your use of the product.

  5.2  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,
        which we provided to you before you bought it.

6.  PROVIDING THE PRODUCTS

  6.1  Delivery costs

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

  6.2  When we will provide the products

        We will deliver the products to you as soon as reasonably possible and, in any event, within 30 days after the day, on which we
        accept your order.

  6.3  We are not responsible for delays outside our control

    6.3.1  If our supply of the products is delayed by an event outside our control, we will contact you as soon as possible in order to let
               you know and we will take steps to minimise the effect of the delay.

    6.3.2  Provided that we do this, we will not be liable for delays, caused by the event, but, if there is a risk of substantial delay, you may
               contact us to end the contract and receive a refund for any products, for which you have paid, but which you have not received.

  6.4  If you are not at home when the product is delivered

        If no one is available at your address to take delivery and the products cannot be posted through your letterbox, we will leave you
        a note, informing you how to rearrange delivery or collect the products from a local depot.

  6.5  If you do not re-arrange delivery

    6.5.1  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.

    6.5.2  If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection, we may end the contract and
               clause 9.2 will apply.

  6.6  When you become responsible for the goods

        A product will be your responsibility from the time, at which we deliver the product to the address, which you gave us.

  6.7  When you own goods

        You own a product once we have received payment in full.

  6.8  Reasons we may suspend the supply of products to you. We may have to suspend the supply of a product in order:

    6.8.1  to deal with technical problems or to make minor technical changes;

    6.8.2  to update the product in order to reflect changes in relevant laws and regulatory requirements; and

    6.8.3  to make changes to the product, as notified by us to you (in which respect see clause 5).

  6.9  Your rights if we suspend the supply of products

    6.9.1  We will contact you in advance to tell you we will be suspending supply of the product, unless the problem is urgent or an
               emergency.

    6.9.2  If we have to suspend the product, we will adjust the price so that you do not pay for products while they are suspended.

    6.9.3  You may contact us to end the contract for a product if we suspend it, or if we tell you that we are going to suspend it, in each
               case for a period of more than 3 months, and we will refund any sums, which you have paid in advance for the product
               in respect of the period after you end the contract.

  6.10  We may also suspend supply of the products if you do not pay

    6.10.1  If you do not pay us for the products when you are required to do so (in which respect see clause 11.4) and you still do not make
               payment within 28 days of our reminding you that payment is due, we may suspend supply of the products until
               you have paid us the outstanding amounts.

    6.10.2  We will contact you to tell you that we are suspending the supply of the products.

    6.10.3  We will not suspend the products where you dispute the unpaid invoice (in which respect see clause 11.6).

    6.10.4  We will not charge you for the products during the period, for which they are suspended.

    6.10.5  As well as suspending the products, we can also charge you interest on your overdue payments (in which respect see
               clause 11.5).

7.  YOUR RIGHTS TO END THE CONTRACT

  7.1  You can always end your contract with us

        Your rights when you end the contract will depend on the product, which you have bought; whether there is anything wrong with it;
        how we are performing; and when you decide to end the contract, as follows:

    7.1.1  If the product, which you have bought, is faulty or misdescribed, you may have a legal right to end the contract (or to get the
               product repaired or replaced or a service re-performed or to get some or all of your money back), see clause 10).

    7.1.2  If you want to end the contract because of something, which we have done, or which we have told you that we are going to do,
               see clause 7.2.

    7.1.3  If you have just changed your mind about the product, see clause 7.3 (NB: 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.

    7.1.4  In all other cases (if we are not at fault and if there is no right for you to change your mind), see clause 7.7.

  7.2  Ending the contract because of something, which we have done or are going to do

    7.2.1  If you are ending a contract for a reason, set out in clause 7.2.2.1 to 7.2.2.4 below, the contract will end immediately, and we will
               refund you in full for any products, which have not been provided, and you may also be entitled to compensation.

    7.2.2  The reasons are as follows:-

      7.2.2.1  We have told you about an error in the price or description of the product, which you have ordered, and you do not wish
                    to proceed.

      7.2.2.2  There is a risk that supply of the products may be significantly delayed because of events outside our control.

      7.2.2.3  We have suspended supply of the products for technical reasons, or we notify you that we are going to suspend them for
                    technical reasons, in each case for a period of more than 3 months.

      7.2.2.4  You have a legal right to end the contract because of something, which we have done wrong.

  7.3  Exercising your right to change your mind (Consumer Contracts Regulations 2013)

    7.3.1  For most products, which are bought online, you have a legal right to change your mind within 14 days and receive a refund.

    7.3.2  These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.

  7.4  Our goodwill guarantee

    7.4.1  Please note that these terms reflect the goodwill guarantee, offered by BINDER DIRECT UK LIMITED of Unit 16A John Bradshaw
               Court, Alexandria Way, Congleton, Cheshire, CW12 1LB to its UK customers, which is more generous than your legal rights under
               the Consumer Contracts Regulations 2013 in the ways, set out below.

    7.4.2  This goodwill guarantee does not affect your legal rights in relation to faulty or misdescribed products (in which respect see
               clause 10.2):

Right under the Consumer Contracts Regulations 2013 How our goodwill guarantee is more generous


14-day period to change your mind. 28-day period to change your mind.
Consumer to pay costs of return. We pay the costs of return.

  7.5  When you do not have the right to change your mind

        You do not have a right to change your mind in respect of any products, which become mixed inseparably with other items after their
        delivery.

  7.6  How long do I have to change my mind?

        If you have bought goods, you have 14 days after the day, on which you (or someone, whom you nominate) receives the goods,
        unless:

    7.6.1  your goods are split into several deliveries over different days, in which 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.

    7.6.2  your goods are for regular delivery over a set period, in which case you have until 14 days after the day, on which you (or
               someone, whom you nominate) receives the first delivery of the goods.

  7.7  Ending the contract where we are not at fault and there is no right to change your mind

    7.7.1  Even if we are not at fault and you do not have a right to change your mind (in which respect see clause 7.1), you can still end the
               contract before it is completed, but you may have to pay us compensation.

    7.7.2  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.

    7.7.3  The contract will end immediately and we will refund any sums, paid by you for products, not provided, but we may deduct from
               that refund (or, if you have not made an advance payment, charge you) reasonable compensation for the net costs, which we
               will incur as a result of your ending the contract.

8.  HOW TO END THE CONTRACT WITH US (INCLUDING IF YOU HAVE CHANGED YOUR MIND)

  8.1  Tell us you want to end the contract

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

    8.1.1  Phone or e-mail

      8.1.1.1  Call customer services on 01260 285895 or e-mail us at info@binderdirect.uk.

      8.1.1.2  Please provide your name, home address, details of the order and, where available, your phone number and e-mail address.

    8.1.2  Online

               Complete the form on our website.

    8.1.3  By post

               Either:

      8.1.3.1  print off the form and post it to us at the address on the form; or

      8.1.3.2  simply write to us at that address, including details of what you bought, when you ordered or received it and your name and
                    address.

  8.2  Returning products after ending the contract

    8.2.1  If you end the contract for any reason after products have been dispatched to you or you have received them, you must return
               them to us.

    8.2.2  You must post them back to us at Unit 16A John Bradshaw Court, Alexandria Way, Congleton, Cheshire, CW12 1LB.

    8.2.3  Please call customer services on 01260 285895 or e-mail us at info@binderdirect.uk for a return label.

    8.2.4  If you are exercising your right to change your mind, you must send off the goods within 14 days of telling us that you wish to end
               the contract.

  8.3  When we will pay the costs of return

    8.3.1  We will pay the costs of return:

      8.3.1.1  if the products are faulty or misdescribed; or

      8.3.1.2  if you are ending the contract because we have told you of an upcoming change to the product or to these terms; because of
                    an error in pricing or description; because of 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, which we have done wrong.

    8.3.2  In all other circumstances (including where you are exercising your right to change your mind), you must pay the costs of return.

  8.4  How we will refund you

    8.4.1  We will refund you the price, which you paid for the products, including delivery costs, by the method, which you used for payment.

    8.4.2  However, we may make deductions from the price, as described below.

  8.5  Deductions from refunds if you are exercising your right to change your mind

        If you are exercising your right to change your mind, the following will apply:

    8.5.1  We may reduce your refund of the price (excluding delivery costs) in order 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 (NB: See our returns page
               for information about types of handling, which are acceptable, and examples).

    8.5.2  If we refund you the price paid before we are able to inspect the goods and later discover that you have handled them in an
               unacceptable way, you must pay us an appropriate amount.

    8.5.3  The maximum refund for delivery costs will be the costs of delivery by the least expensive delivery method, which we offer:
               for example, if we offer delivery of a product within 3-5 days at one cost, but you choose to have the product delivered within
               24 hours at a higher cost, we will refund only what you would have paid for the cheaper delivery option.

  8.6  When your refund will be made

    8.6.1  We will make any refunds, which are due to you, as soon as possible.

    8.6.2  If you are exercising your right to change your mind the following will apply:

      8.6.2.1  If the products are goods 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 back from you (or, if earlier, from the day, on which you provide us with evidence that you have
                    sent the product back to us).

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

9.  OUR RIGHTS TO END THE CONTRACT

  9.1  We may end the contract if you break it

        We may end the contract for a product at any time by writing to you:

    9.1.1  if you do not make any payment to us when it is due and you still do not make payment within 28 days of our reminding
               you that payment is due;

    9.1.2  if you do not, within a reasonable time of our asking for it, provide us with information, which is necessary for us to provide the
               products; or

    9.1.3  if you do not, within a reasonable time, allow us to deliver the products to you.

  9.2  You must compensate us if you break the contract

        If we end the contract in any of the situations, set out in clause 9.1, we will refund any money, which you have paid in advance for
        products, which we have not provided, but we may deduct or charge you reasonable compensation for the net costs, which we will
        incur as a result of your breaking the contract.

10.  IF THERE IS A PROBLEM WITH THE PRODUCT

  10.1  How to tell us about problems

    10.1.1  If you have any questions or complaints about the product, please contact us.

    10.1.2  You can telephone our customer service team at 01260 285895 or write to us at info@binderdirect.uk or Unit 16A John Bradshaw
                 Court, Alexandria Way, Congleton, Cheshire, CW12 1LB.

  10.2  Summary of your legal rights

    10.2.1  We are under a legal duty to supply products, which are in conformity with this contract.

    10.2.2  See the box below for a summary of your key legal rights in relation to the product.

    10.2.3  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 at www.adviceguide.org.uk or call 03454 040506.

        The Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. During the expected
        lifespan of your product, your legal rights entitle you to the following:

        up to 30 days: if your goods are faulty, then you can get an immediate refund.

        up to six months: if your goods can't be repaired or replaced, then you're entitled to a full refund, in most cases.

        up to six years: if your goods do not last a reasonable length of time you may be entitled to some money back.

        See also Exercising your right to change your mind (Consumer Contracts Regulations 2013).

  10.3  Your obligation to return rejected products

    10.3.1  If you wish to exercise your legal rights to reject products, you must post them back to us.

    10.3.2  We will pay the costs of postage.

    10.3.1  Please call customer services on 01260 285895 or e-mail us at info@binderdirect.uk for a return label or to arrange collection.

11.  PRICE AND PAYMENT

  11.1  Where to find the price for the product

    11.1.1  The price of the product (which includes VAT) will be the price, indicated on the order pages when you placed your order.

    11.1.2  We take all reasonable care to ensure that the price of the product, of which you are notified, is correct.

    11.1.3  However, please see clause 11.3 for details of the procedure, which we follow if we discover an error in the price of the product
                 you order.

  11.2  We will pass on changes in the rate of VAT

        If the rate of VAT changes between your order date and the date, on which we supply the product, we will adjust the rate of VAT,
        which you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.

  11.3  What happens if we got the price wrong?

    11.3.1  It is always possible that, despite our best efforts, some of the products, which we sell, may be incorrectly priced.

    11.3.2  We will normally check prices before accepting your order so that, where the product's correct price at your order date is less
                 than our stated price at your order date, we will charge the lower amount.

    11.3.3  If the product's correct price at your order date is higher than the price, stated to you, we will contact you for your instructions
                 before we accept your order.

    11.3.4  If we accept and process your order where a pricing error is obvious and unmistakeable and could reasonably have been
                 recognised by you as a mispricing, we may end the contract, refund you any sums, which you have paid, and require the return
                 of any goods, provided to you.

  11.4  When you must pay and how you must pay

    11.4.1  We accept payment with Visa, Visa Debit, MasterCard, Diners Club or JCB.

    11.4.2  You must pay for the products before we dispatch them.

    11.4.3  We will not charge your credit or debit card until we dispatch the products to you.

  11.5  We can charge interest if you pay late

    11.5.1  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
                 4% per year above the base lending rate of National Westminster Bank plc from time to time.

    11.5.2  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.

    11.5.3  You must pay us interest together with any overdue amount.

  11.6  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 and we will not charge you interest until we have resolved
        the issue.

12.  OUR RESPONSIBILITY FOR LOSS OR DAMAGE, SUFFERED BY YOU

  12.1  We are responsible to you for foreseeable loss and damage caused by us

    12.1.1  If we fail to comply with these terms, we are responsible for loss or damage, which you suffer, and which is a foreseeable result
                 of our breaking this contract or of our failing to use reasonable care and skill, but we are not responsible for any loss or damage,
                 which is not foreseeable.

    12.1.2  Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time, at which the contract was made, both we
                 and you knew that it might happen.

  12.2  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 by the negligence of our employees, agents or
        subcontractors:

    12.2.1  for fraud or fraudulent misrepresentation;

    12.2.2  for breach of your legal rights in relation to the products, as summarised at clause 10.2; and

    12.2.3  for defective products under the Consumer Protection Act 1987.

  12.3  We are not liable for business losses

    12.3.1  We supply the products only for domestic and private use.

    12.3.2  If you use the products for any commercial, business or re-sale purpose, we will have no liability to you for any loss of profit,
                 loss of business, business interruption or loss of business opportunity.

13.  HOW WE MAY USE YOUR PERSONAL INFORMATION

  13.1  How we will use your personal information

        We will use the personal information, which you provide to us:

    13.1.1  to supply the products to you;

    13.1.2  to process your payment for the products; and

    13.1.3  (if you agreed to this during the order process) to give you information about similar products, which we provide, but you may stop
                 receiving this at any time by contacting us.

  13.2  We may pass your personal information to credit reference agencies

        Where we extend credit to you for the products, we may pass your personal information to credit reference agencies and they may
        keep a record of any search, which they do.

  13.3  Passing your personal information to other third parties

        We will give your personal information to other third parties only where the law either requires or allows us to do so.

14.  OTHER IMPORTANT TERMS

  14.1  We may transfer this agreement to someone else

    14.1.1  We may transfer our rights and obligations under these terms to another organisation.

    14.1.2  We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

  14.2  You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee)

    14.2.1  You may transfer your rights or your obligations under these terms to another person only if we agree to this in writing.

    14.2.2  We may not agree:

      14.2.2.1  if arise extra costs of shipping; or

      14.2.2.2  if the delivery should go outside the UK or Eire.

    14.2.3  However, you may transfer our guarantee in clause 7.4 to a person, who has acquired the product.

    14.2.4  We may require the person, to whom the guarantee is transferred, to provide reasonable evidence that he or she is now the
                 owner of the relevant item or property.

  14.3  Nobody else has any rights under this contract (except someone you pass your guarantee on to)

    14.3.1  This contract is between you and us.

    14.3.2  No other person shall have any rights to enforce any of its terms, except as explained in clause 14.2 in respect of our guarantee.

    14.3.3  Neither of us will need to get the agreement of any other person in order to end the contract or to make any changes to these
                 terms.

  14.4  If a court finds part of this contract illegal, the rest will continue in force

    14.4.1  Each of the paragraphs of these terms operates separately.

    14.4.2  If any court or relevant authority decides that any of them is unlawful, the remaining paragraphs will remain in full force and effect.

  14.5  Even if we delay in enforcing this contract, we can still enforce it later

    14.5.1  If we do not insist immediately that you do anything, which 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.

    14.5.2  For example, if you miss a payment and we do not chase you, but we continue to provide the products, we can still require you
                 to make the payment at a later date.

  14.6  Which laws apply to this contract and where you may bring legal proceedings

    14.6.1  These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts.

    14.6.2  If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts.

    14.6.3  If you live in Northern Ireland, you can bring legal proceedings in respect of the products in either the Northern Irish or the English
                 courts.