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Terms and Conditions of Website Use

Using our Website

This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website at

www.RamsdensForCash.co.uk

www.RamsdensCurrency.co.uk

www.RamsdensJewellery.co.uk

(the "Website"), whether as a guest or a registered user. Use of the Website includes accessing, browsing, or registering to use the Website.

Please read these terms of use carefully before you start to use the Website, as these will apply to your use of the Website. We recommend that you print a copy of this for future reference.

By using the Website, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use the Website.

Please note that any purchases you make on this Website will be governed by our Terms & Conditions for Buying Goods Online.

Please also read our Privacy Policy for details about data protection and how we use the personal information you give us through this Website.

You can print out any page from this Website, including any of its Terms & Conditions, by selecting Print from the File menu of your internet browser.

The Terms & Conditions quoted here also apply to any of our content displayed on agreed third party websites.

For the avoidance of doubt, the Conditions do not apply to any orders for goods or for travel money placed in a Ramsdens branch.

Information about us

Our site operated by Ramsdens Financial Limited ("We"). We are registered in England and Wales under company number 03045495 and have our registered office and main trading address at our store at Unit 16, Parkway Centre, Coulby Newham, Middlesbrough, Cleveland, England, TS8 0TJ. Our VAT number is 654256431.

Website content

All copyright, trademarks and other intellectual property rights in all materials or content contained in the Website are owned or licensed by us (unless otherwise specified) or are the property of third parties offering goods for sale or posting details through this Website. All works are protected by copyright laws and treaties around the world. All such rights are reserved. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

Except as specifically authorised below, you may not do any of the following without obtaining our prior written consent: copy, reproduce, distribute, republish, download, display, post, transmit, commercially exploit or create derivative works of any part of the Website.

This prohibition applies, but is not limited, to the text, graphics, animations, photographs, pictures, data, images, audio and video clips available from the Website; download, edit, reproduce or use any material and content contained within the Website for the purpose of advertising, promoting, endorsing or implying any connection with you or any third party; utilise any data mining, robots, or similar data gathering/extraction tools to extract (whether once or many times) for re-utilisation, any substantial parts of the Website; or create and/or publish your own database that features substantial parts of this Website (including without limitation prices and product listings).

You may print or download any page(s) for your own personal and non-commercial use only. If you have any doubts about what you can do, please go to our Contact Us page to apply for permission to reproduce the Website or any part of it.

Your obligations

You will not:

• use the Website (or any part of it) for any illegal purpose and agree to use it at all times in accordance with all relevant laws;
• upload or transmit through the Website (i) any computer viruses, macro viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer or (ii) any material, including without limitations, any comments which are defamatory, offensive, or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
• use the Website in a manner which (i) may cause the Website to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the Website is in any way impaired or (ii) violates or infringes the rights of any person, firm or company (including, but not limited to, rights of intellectual property, rights of confidentiality or rights of privacy);
• create or publish a hypertext link to any part of the Website without our express written consent except that you may create a hypertext to the Website as long as the link does not portray us or our affiliates, or their products or services in a false, misleading, derogatory, or offensive matter. You may not use any of our logos or proprietary marks as part of the link without our express written consent (which consent we may withdraw at any time);
• frame or use framing techniques to enclose any part of the Website or any content accessible on it without our express written consent. You will not use any meta tags or any other hidden text using our (or our affiliates') names, logos, brands or marks without our express written consent. Any unauthorised use terminates the permission or license granted by us to use this Website in addition to our other rights; or
• attempt any unauthorised access to any part or component of the Website.

You warrant that by accessing and using the Website you will not be in breach of any laws or regulations that apply to you.

By using the Website you confirm that you are at least 18 years old, or, if you are under 18, that you are accessing the Website with the consent of your parent or guardian. We do not sell products to children, but we do sell children's products for purchase by adults.

We may monitor any activity and content associated with the Website. We will investigate any reported violation of these Terms & Conditions of Use or complaints relating to the Website and take any action that we believe is appropriate.

Our liability to you

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

While we make every effort to ensure our Website is as accurate, current, complete or error free as possible, unless we are at fault we are not liable for any inaccuracies or errors which are beyond our reasonable control. In particular, we cannot guarantee that colours in our images will be rendered correctly on different computer monitors. The product dimensions and weight supplied are intended to give an approximate indication of individual products. Products shown may not be actual size. If you have any doubts about the colour, size, weight or any other specification of the goods you wish to order, we recommend you Contact Us prior to placing an order on the Website.

The Website is provided, on an "as is" and "as and when available" basis without any representation or endorsement and we make no warranties of any kind, whether express or implied, in relation to the Website or its content offered on the Website.

We cannot guarantee that the Website is free from computer viruses, and you should take your own precautions in this respect. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it. If a fault occurs in the service you should report it to CustomerServices@RamsdensForCash.co.uk and we will attempt to correct the fault as soon as we reasonably can.

We will try to make sure that the Website is always available. However, this is not always possible and access to the Website may be suspended temporarily and without notice in the case of any system failure, maintenance or repair or for any other reasons outside our control, as well as for any breach by you of these Terms & Conditions of Use.

We will not be responsible to you or any third party for any business loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure) or any indirect or consequential loss in connection with your use of the Website.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods by use to you, which will be set out in our Terms and Conditions of Online Sales.

We remain liable however for:

• loss, damage, death or personal injury resulting from our negligence;
• fraud or fraudulent misrepresentations; and
• any other matter for which it would be illegal or unlawful for us to exclude or attempt to exclude our liability.

Links and third party e-commerce

The Website may contain links to other websites; these external websites are not under our control. We provide these links because we think they might interest you, but we do not control, monitor or endorse these other websites. We are not liable for such websites and cannot make any guarantees about them.

If you use our Website to deal with a third party (for example to enter a competition), it is up to you to read and comply with the Terms & Conditions and Privacy Policies of such third parties.

Please also see our Privacy Policy for more details of how we use your information.

Suspension or termination of the Website or services

We reserve the right to suspend or terminate the Website or remove any of the services on it with immediate effect at any time, and without notice, for example if:

• there is a change in the law that limits our ability to provide the Website;
• an event beyond our control stops us providing the Website (e.g. technical difficulties).

Changes to Terms & Conditions of Use of this Website

We reserve the right to change these Terms & Conditions of Use from time to time. If this happens, we will post the new Terms & Conditions of Use on the Website. It is your responsibility to ensure you regularly check these Terms & Conditions of Use to familiarise yourself with their terms and check any updates. If you do not wish to be governed by the revised Terms & Conditions of Use, please stop using the Website.

General

If you are a consumer, please note that these terms of use, its subject matter and its formation, are 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 resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

If any part of these Terms & Conditions of Use is found to be invalid by law, the rest of them remain valid and enforceable.

These Terms & Conditions were last updated on 5th November 2015.

Ramsdens Privacy, Data Protection and Cookie Policy

Ramsdens Financial Limited ("We") are committed to protecting and respecting your privacy.

This policy (together with our terms of use and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Ramsdens Financial Limited are registered with the Information Commissioners Office under the Data Protection Act, Registration Number Z6066000.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Ramsdens Financial Limited, Unit 16, The Parkway Centre, Coulby Newham, Middlesbrough, TS8 0TJ.

If you have any requests concerning your personal information or any queries with regard to our processing please contact us at enquiries@ramsdensfinancial.co.uk

We may collect and process the following data about you

• Information that you provide by filling in forms on our site. This includes information provided at the time of registering to use our site where registration is required, subscribing to our service, posting material or requesting further services. We may also ask you for information if you report a problem with our site.
• If you contact us, we may keep a record of that correspondence.
• Details of transactions you carry out through our site and of the fulfilment of your orders.
• Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.
• We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
• All telephone calls made to our Head Office are recorded for training and security purposes.
• Google Analytics collects and uses data from our company websites so we can track visitor's data. Click here to find out more on how Google Analytics collects and uses this data.

Where we store your personal data

The data that we collect from you will be stored within the European Economic Area ("EEA"), if you utilise the Western Union service using a Ramsdens branch then this data may be stored at a location outside of the EEA. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Uses made of the information

We use information held about you in the following ways:

• To ensure that content from our site is presented in the most effective manner for you and for your computer.
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to participate in interactive features of our service, when you choose to do so.
• To notify you about changes to our service.

If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.

If you are a new customer, we will contact you by electronic means only if you have consented to this.

Disclosure of your information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may disclose your personal information to third parties:

• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
• If Ramsdens Financial Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property, or safety of Ramsdens Financial Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
• Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.  You can also exercise the right at any time by contacting us at Ramsdens Financial Limited, Unit 16, The Parkway Centre, Coulby Newham, Middlesbrough, TS8 0TJ.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

This privacy policy was last updated on 14th November 2016.

RAMSDENS COMPANY INFORMATION

Ramsdens Financial Limited
PO Box 211
Middlesbrough
TS8 8AU

Registered office:

Unit 16, The Parkway Centre
Coulby Newham
Middlesbrough
TS8 0TJ

Registered in England no. 3045495. VAT Registration no. 654256431 Money Service Business Registration 12115794

Contact Us

If you have any questions relating to this website, please contact us:
Email: CustomerServices@RamsdensForCash.co.uk
Write to: Ramsdens Financial Limited, PO Box 211. Middlesbrough TS8 8AU

Emails will be acknowledged within 24 hours, Monday to Friday 9am – 5pm. Emails sent on a weekend will not be picked up until the following Monday.

Information about our use of cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

What is a cookie?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests. The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide. A list of all the cookies used on this website by category is set out below, and then some details of the actual cookies on the site, their purpose, and what to do if you do not consent to any specific cookies being used. Please note however that since we only use cookies where they will be of benefit, any failure to consent may limit your use of this site.

Category 1: Strictly necessary cookies: These cookies enable services you have specifically asked for.

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Category 2: Performance Cookies: These cookies collect anonymous information on the pages visited.

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Category 3: Functionality Cookies: These cookies remember choices you make to improve your experience.

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

These are the cookies that we use on our website:

Note: Mobile users may need to scroll right to view the full table

You may be able to block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our site.

If you do not consent to cookies being placed, you must notify us of the cookies to which you do not consent.

Except for essential cookies, all cookies will expire after twelve months.