Terms and Conditions

By placing an order (‘Order’) through Our website You (the customer) acknowledge and agree to the following Terms and Conditions. The Terms and Conditions and the Order form the Agreement between us.  

You must be aged 18 or over to place an Order for bullion or coins.

If you do not wish to accept these Terms and Conditions, please do not place an Order.

1.  Orders

You may submit Orders for Goods by completing the relevant request using Our webpages located at handt.co.uk.

Harvey & Thompson Limited (We/Us/Our) agree to supply the Goods ordered subject to availability.

2.   The Goods

3.   We use a third party supplier, Baird & Co Limited (‘Baird’s) to fulfil your Order and therefore there may be occasions when the item you have ordered is not available from Baird’s.

Timing of Orders

We will use our best endeavours to process your order within 7 business days of receipt. Please note your Order will only be accepted upon receipt payment of cleared funds and until we receive such sums your Order will be pending.

We shall use our best endeavours to ensure that the Goods;

(a) correspond with their description on our website.

(b) are of satisfactory quality within the meaning of the Sale of Goods Act 1979 (as amended) and fit for such purpose as might reasonably be expected for an item of its type

(c) are free from defects and remains so for at least 30 business days after your receipt of them and

(d) comply with all applicable, statutory and regulatory requirements concerning such Goods.

3. Supply and Delivery

3.1 We have engaged Baird’s to deliver the Goods to you and it is a condition of this agreement that you permit Us to share your personal details sufficient to fulfil your order with Baird’s. Details of how we keep your personal data safe are included at section https://handt.co.uk/pages/privacy-policy  concerning Data Protection.

In most cases Baird’s will supply your Goods by post and in accordance with the method specified in the Order Form.

3.2   Unless otherwise stated, delivery will be made by Royal Mail Special Delivery, or another pre-selected provider if the Goods are below £2,500 in value. If the value of your order is above £2,500, it may be delivered by UPS or another provider of our choice.

3.3   Once you have been notified of a delivery, it is your responsibility to be available to accept deliver at the specified time.

3.4   We only accept liability for parcels that are lost or damaged whilst in the care of Royal Mail or other pre-selected provider. Once the provider confirms delivery, and the parcel is no longer in their care, our liability and that of Baird’s, will cease.

3.5   It is imperative that you ensure you provide accurate postal address details. Royal Mail or any other provider shall have no liability to pay any compensation if the reason a parcel could not be delivered successfully was due to it not containing a full and accurate name and address, including postcode.

3.6   We strongly recommend ensuring that household insurance cover is in place in the event that items are lost whilst on your property.

4.   Title to Goods and Passing of Risk

Title to the Goods you have ordered shall pass to You at the point on time that We receive cleared funds from You in respect of the purchase price for the Goods. The risk of loss or damage to the Goods remains with Us until the delivery of the Goods to your delivery address by our agent Baird’s.

New section price and payment you will pay the price described on the H&T website for the Goods and will be asked to choose your delivery options for which variable pricing will apply.

5.  General

 5.1   Force measure

Neither H&T, nor Bairds shall be liable for any delay or failure to provide the Goods where such delay or failure arises as a result of events, circumstances or causes beyond their reasonable control.

5.2   Variation
H&T reserves the right to make changes to this Agreement from time to time. 

6.  Complaints

If You wish to raise any concerns or have any complaints about your order please email us at complaints@handt.co.uk.

7.   Data Protection

You acknowledge that H&T is a data controller and that Baird’s is a data processor with whom We have in force a Data Processing Agreement which sets out the contractual arrangements between us so as to safeguard your personal data in accordance with applicable Data Protection legislation.

8.   Cancellation Rights

You have no statutory right to cancel Your order if You change Your mind, this is because the price of the goods is set at the time of the contracted Order, and due to the fact that the goods are constituted in gold and other precious metals there is a significant risk of price fluctuation.

9.   Description of the goods

It is Our responsibility to supply you with Goods that meet your consumer rights. If you have any concerns that we have not met our legal obligations please contact us.

11 Rights of Third Parties

A person who is not a party to this Agreement shall not be able to enforce any of the terms and conditions contained in it. 

10.   Applicable law

This Agreement is subject to the laws of England, and Wales.

11.   Click and Collect

If you select to use this service, the terms and conditions of our Click and Collect service apply to this Agreement.

Investment advice

Neither H&T, nor Baird’s are authorised to give investment advice concerning Goods and by placing an Order You acknowledge that you have not received any investment advice in relation to your purchase. 

12.   Our Rights to Refuse to Supply

13.   We reserve the right to refuse to supply any individual or company and to limit the maximum quantities of individual Goods which may be purchased by any individual or company (whether per individual order or in aggregate).

14.   Refunds and cancellation
Please note these Goods are not subject to the Financial Services (Distance Marketing) Regulations 2004. Once an Order has been placed for Goods and these have been despatched to You, You have no right to cancel and You will NOT BE ENTITLED TO A REFUND ONCE YOU HAVE PLACED AN ORDER so please consider carefully prior to placing an Order with Us; this is because the price of the Goods is subject to changes in market value on a continuous basis.

The price of the Goods is fixed at the point in time Your Order is placed.

15.   Instore purchases - Refunds and Cancellation
Please note these goods are not subject to the Financial Services (Distance Marketing) Regulations 2004. Once an instore purchase has been placed for Goods, you have no right to cancel and You will NOT BE ENTITLED TO A REFUND ONCE YOU HAVE PURCHASED THE ITEM so please consider carefully prior to buying an item instore this is because the price of the Goods is subject to changes in market value on a continuous basis.

The price of the Goods is fixed at the point in time your purchase is made.

General

1. Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.
2. The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.
3. Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details. 
4. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
5. We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested. 
6. Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

Consequences of Processing

1. If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services or financing you have requested, or to employ you, or we may stop providing existing services to you.  
2. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.  

Data Transfers

1. Fraud prevention agencies may allow the transfer of your personal data outside of the UK. This may be to a country where the UK Government has decided that your data will be protected to UK standards, but if the transfer is to another type of country, then the fraud prevention agencies will ensure your data continues to be protected by ensuring appropriate safeguards are in place.

Your Rights

1. Your personal data is protected by legal rights, which include your rights to object to our processing of your personal data; request that your personal data is erased or corrected; request access to your personal data. 
2. For more information or to exercise your data protection rights, please contact us using the contact details above. 
3. You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data.

Delivery/collection restrictions

Delivery for all services may be restricted in certain areas, please contact us for further information.

Collection for orders placed via handt.co.uk is available from selected stores.

We reserve the right to restrict deliveries in certain areas. This includes the right to withdraw our services to individual customers' addresses.

Delivery and collection arrangements

Deliveries and collection times vary by area. All orders from handt.co.uk will be sent within three working days by Royal Mail Special Delivery service.

All deliveries must be signed for at the delivery address (or upon collection), by you, or by your nominated representative who must be aged 18 or above. Under no circumstances will goods be left unattended, for example in a garage, or with anybody below the age of 18.

In the event that there is no one available to accept and sign for your delivery, a card will be left by the courier with instructions on what to do next.

General payment provisions

Any of the following cards may be used to pay Visa Debit (Delta), Maestro UK, MasterCard, Visa Credit.

All customers collecting their purchase, whether the registered customer or a third party, will be asked to provide a form of identification for the person who paid for the item. The identification must match the cardholder name shown in the payment details on the checkout page. The card itself will not be required.

Payment Security Policy

H&T.co.uk is run by H&T.  We are a company that our customers trust, both on the high street and online.  We understand your concerns with security and your peace of mind and safety are of the utmost importance to us.

As a result, we have developed highly secure online facilities.  This is specifically intended to give you confidence when you use your credit or debit card to make payments or to shop with us and when you tell us your personal details, such as your address or phone number.

Credit Card safety

The H&T websites use Secure Sockets Layer (SSL) technology to encrypt your details as they are being transmitted to us.  This prevents anyone from eavesdropping on your transactions with us and keeps your card and personal details private.

We allow you the option to store your card details with us, so that you can order from us again without needing to type your details in.  We only ever show you the last four digits of your card number on our public internet site and of course, this information is 'for your eyes only'.

If you do not wish to store your card details with us, you can enter these each time you carry out a payment or order.

Your payment details are held in a secure encrypted server which is not accessible from the Internet.  Access to this data is also secured internally within H&T and all card numbers are encrypted using a highly secure system that financial and banking institutions rely on, called Triple DES (Data Encryption Standard).  This is widely acknowledged as being a very secure way to protect your data.

Once your order is processed, the payment details associated with your order are removed from our files.

Verified by Visa and MasterCard® SecureCode™

To give you even more confidence in transacting online with H&T, we have introduced Verified by Visa and Mastercard® SecureCode™. These services enhance your existing card account security against unauthorised use when you shop with us.

To use this service, you must first register with the bank or other organisation that issued your card. To find out more about these services:

Visit the Verified by Visa website

Visit the MasterCard® SecureCode™ website

Once you've registered and created your own private password with your bank, you will be automatically prompted at checkout to provide this password each time you make a purchase online.

General Pricing Policy

VAT will be applied to all applicable products.

Cancellation Rights – Loan & Buyback Products

The details of cancellation rights will be supplied to you on application of a consumer credit agreement.

Returns Policy

We want you to be happy with your purchase. If you're not, please return the product to the shop where you purchased it within 30 days.

Vintage/Antique/Secondhand jewellery and watches are sold as seen and as such may show signs of wear and tear. This is to be expected for items of this nature.

Please note that your right to return retail products does not apply to goods made to your specification, that have been personalised on your behalf or which have in anyway been altered at your request.

If you wish to return retail items to us, they must be in the same condition that they were bought and have all accompanying packaging, guarantees and certification. Along with the original purchase receipt.

H&T Shop Online guarantees and returns

Customers are covered by our quality guarantee on every product. Should the customer not be entirely satisfied, H&T Shop Online will refund and replace any item subject to due compliance by the customer with these Terms and Conditions. Please contact the Customer Service team with any queries.

Nothing in these Terms and Conditions will reduce your statutory rights relating to faulty or misdescribed goods. For further information about your statutory rights contact your local authority, Trading Standards Department or Citizens Advice Bureau.

If you placed an order for collection at a H&T Store, this order can be cancelled at any time prior to collection by calling us using the telephone number found on the contact us page on www.handt.co.uk. Cancelled orders will be refunded at the full Sterling amount that you paid for your Travel Money. If you have placed an order for collection and you fail to collect your order from the nominated H&T store within 7 days of the collection time given to you then your order will be marked as uncollected and your order will be cancelled. The full Sterling amount that you paid for the Travel Money will be refunded to the card you used to place your order. If, after your order is cancelled you still want to purchase Travel Money from us, you will need to re-submit an order.

This section of the Terms and Conditions applies (in addition to the remaining Terms and Conditions) when you access this website using a mobile application or a version of this website optimised for use on mobile devices (the "Mobile Access Channel").If you do not agree to be bound by any of these Terms and Conditions, you may not use or access the Mobile Access Channel and should, if applicable, delete any mobile application used to access the Mobile Access Channel.

The Mobile Access Channel is data intensive.  You are responsible for any carrier or other data charges incurred when using it, and we will be liable for any charges you incur.  We recommend you check with your network provider if you are unsure of the charges that may apply.

The Mobile Access Channel will use your device's cellular and/or Wi-Fi connection to synchronise content.

As we have no control over your device's network connection, we cannot represent or warrant that any information (including prices, product availability, and store information) is correct or up to date. In the event of a discrepancy, content and prices published on the main website/s will take precedence.  Prices shown on the Mobile Access Channel may also differ from those shown in H&T stores.

By using the Mobile Access Channel to locate an H&T store in your vicinity, you consent to H&T collecting location data from your mobile device solely for the purposes of providing you with details of your closest store.  H&T Waitrose uses this location data anonymously and will not use it for any other purpose.

The Mobile Access Channel is only intended for use by users located in the United Kingdom [and the Channel Islands].  Users accessing the Mobile Access Channel from outside [these jurisdictions][the UK] are responsible for confirming the legality of doing so under local law.

You must be aged 18 years or over to participate in any of the promotions that we operate. Underage entries will automatically be voided.

Fraudulent, multiple or incorrectly completed applications will not be accepted, neither will applications made in breach or non-compliance with these terms and conditions.

H&T reserves the right to exclude any applicant from competitions, promotions, events if we believe that an applicant has tried to engage in the promotion via fraudulent or illegal activity (including participation that would be in breach of the law).

H&T in its sole discretion reserves the right to withdraw or vary the terms of competitions and promotions and/or any offer made in connection with them in order to comply with the decision of any relevant judicial or regulatory body and shall not be held liable to any applicant for so doing.

The decision of H&T in respect of any matter concerning or related to competitions and promotions is final and no correspondence will be entered into.

H&T accepts no responsibility whatsoever for system damage or connection problems that might affect any end user during any of these promotions.

H&T and its affiliates and subsidiaries, or any of their employees, officers or directors shall not be liable for any damages howsoever arising as a result of a participant's in an event or any such modification, alteration, discontinuance or termination of any offer or promotion, and any such liability shall be borne solely and exclusively by the participant or winner, as the case may be.

You agree that these terms and conditions shall be governed by and construed in accordance with the laws of England and Wales and you submit to the exclusive jurisdiction of the Courts of England.

These terms & conditions refer to the competition draw for the customer survey.

1. The Promoter is: Harvey & Thompson Limited (company no.02636684) whose registered office is at Times House, Throwley Way, Sutton, Surrey SM1 4AF.

2. The competition is open to residents of the United Kingdom aged 18 years or over except employees of the Promotor and their close relatives and anyone otherwise connected with the organisation.

3. There is no entry fee to enter this competition.

4. By responding to this survey an entrant will be automatically entered into this competition draw and is indicating his/her agreement to be bound by these terms and conditions.

5. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.

6.  Prizes will be drawn each month, customers must enter the competition within 28 days of receiving the survey.

7. One winner will be drawn at random on first working day of every month and notified in writing or by phone within 28 days of the draw taking place.

8. If the winner cannot be contacted or does not claim the prize within one calendar month, we reserve the right to withdraw the prize from the winner and pick a replacement winner.

9. The Promoter will notify the winner when and where the prize can be collected / will be delivered.

10. The winner agrees to the use of his/her name and image in any publicity material. Any personal data relating to the winner or any other entrants will be used solely in accordance with current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.

11. The Promoter also reserves the right to cancel the competition if circumstances arise outside of its control.

1. We will beat the exchange rate of any local competitor within 3 miles of your local H&T.  Just confirm the name and location of the other provider, the currency, exchange rate, and time and date rate the offer was made.
2. The offer is only available in-store when you purchase foreign currency and must be redeemed on the same day as seeing the competitor exchange rate, before your transaction is completed.
3. Only applies to ‘like for like’ transactions under standard exchange rates, where you are exchanging currency for personal use. Cannot be used with any other offer or staff rate.

We will beat the amount paid for gold of any local competitor, excluding bullion dealers within a 3 miles radius of your local H&T store.  Just provide a written quotation and confirm the name and location of the other provider inclusive of the carat, weight and time and date the offer was made.

The offer is only available in-store when you are selling gold and the competitors rate must be on the same day as you are transacting in a H&T store. Online rates are excluded. The distance is measured using Google Maps and our decision is final.

We will beat any competitor rate by the nearest 10p, and we will not pay over the daily spot price of gold.cribe a product, share announcements, or welcome customers to your store.