Terms & Conditions

Effective Date: 30th March 2026

Last Updated: 15th April 2026

About Us

These Terms and Conditions (“Terms”) are issued by Aimgold Limited, a company

registered in England and Wales under company number 15242854, whose registered

office is at 15 Half Moon Street, London, W1J 7DZ (“Aimgold”, “we”, “us”, “our”). Our

VAT registration number is GB462134220. You can contact us at help@aimgold.co.uk

or +44 (0)20 8153 3326.

These Terms govern your use of the Aimgold platform (including the website at

https://aimgold.co.uk/ and any associated mobile application) (the “Platform”) and

your relationship with Aimgold as the operator of the Platform.

By accessing or using the Platform, you confirm that you have read, understood and

agree to be bound by these Terms and our Privacy Policy, available at

https://aimgold.co.uk/policies/privacy-policy. If you do not agree to these Terms,

you must not use the Platform.

Aimgold’s platform is designed to promote transparency, consistency and fair

outcomes for Sellers through the use of data-driven valuation tools and a network of

professional Dealers.

Important Notice — How Transactions Work

Aimgold operates a technology platform that connects individuals wishing to sell

precious metal items (“Sellers”) with independent, authorised precious metals dealers

(“Dealers”). It is important that you understand the following:

The contract for the sale of your items is between you and the relevant Dealer. The

Dealer is the buyer of record in all transactions. Aimgold does not buy, sell or take

ownership of any items at any stage. Aimgold acts solely as a technology platform that

facilitates introductions, provides valuation tools, and processes certain administrative

functions (such as self-billing) on behalf of Dealers. Nothing in these Terms creates a

contract of sale between you and Aimgold, nor does Aimgold act as agent for either

party to any sale transaction, except where expressly stated.

1. Definitions

In these Terms, the following words have the following meanings:

“Approved Postal Method” means the postal or courier method specified by Aimgold

from time to time on the Platform for the submission of items, including any required

packaging, labelling and insurance requirements.

“Dealer” means an independent, authorised precious metals dealer who is registered

on the Platform and who may make offers to purchase items from Sellers.

“Final Offer” means the binding offer to purchase an item made by a Dealer following

physical inspection and testing.

“KYC” means know-your-customer identity verification.

“Platform” means the Aimgold website, mobile application and any related technology

systems operated by Aimgold.

“Privacy Policy” means our privacy policy, available at

https://aimgold.co.uk/policies/privacy-policy, as updated from time to time.

“Seller” means an individual who uses the Platform to obtain valuations for, or to sell,

precious metal items.

“Transaction” means a completed sale of an item from a Seller to a Dealer via the

Platform.

2. Eligibility and Identity Verification

2.1. To use the Platform, you must be at least 18 years of age and resident in the United

Kingdom or the Republic of Ireland. By using the Platform, you confirm that you meet

these requirements.

2.2. Before you can submit items for sale, you must complete our KYC identity

verification process. This may require you to provide:

(a) a valid government-issued photographic identity document (such as a passport or

driving licence);

(b) proof of address;

(d) such additional information as we or our Dealers may reasonably require for the

purposes of compliance with applicable anti-money laundering legislation.

2.3. Our collection and processing of your personal data, including identity documents

and biometric data, is governed by our Privacy Policy. Biometric data is special category

data under the UK General Data Protection Regulation, and we will only process it on

the basis of your explicit consent or as otherwise permitted by law. You may withdraw

your consent to biometric processing at any time, but this may prevent you from

completing the verification process and using the Platform.

2.4. If your identity verification is incomplete, unsatisfactory, or gives rise to concerns,

we may:

(a) refuse to allow you to submit items;

(b) delay or cancel a pending transaction; or

Where we refuse or cancel a transaction before a Final Offer has been accepted, any

items already submitted to us or to a Dealer by post will be returned to you at the

address you have provided, at our cost, within fourteen (14) days.

2.5. You must ensure that all information you provide to us is accurate, complete and

up to date. You must notify us promptly if any of your details change.

3. Seller Declarations and Warranties

3.1. By submitting any item through the Platform, you warrant and represent to Aimgold

and to the relevant Dealer that:

(a) you are the sole legal and beneficial owner of the item, or you have the full authority

of the owner to sell it;

(b) the item is free from any charge, lien, encumbrance, hire purchase agreement,

finance agreement or other third-party interest;

(d) you are not acting on behalf of any undisclosed third party; and

(e) the sale of the item will not breach any applicable law or regulation.

3.2. If any of the warranties in clause 3.1 is untrue, inaccurate or misleading, and

Aimgold or any Dealer suffers loss as a result (including, without limitation, the cost of

returning, quarantining or surrendering items to law enforcement or regulatory

authorities), you shall be liable to Aimgold and/or the relevant Dealer for all direct

losses, costs and expenses reasonably incurred as a consequence. This clause 3.2

does not require you to compensate Aimgold or any Dealer for losses that are not

caused by a breach of your warranties.

4. Valuations and Pricing

4.1. Estimated Values. The Platform may provide estimated values for items based on

information you provide (such as photographs, descriptions, weight and item type),

together with AI-assisted estimation tools and market data. Any estimated value

displayed on the Platform is indicative only, is not a valuation by a qualified valuer, and

does not constitute an offer to purchase. Actual values may differ materially from

estimated values.

4.2. Indicative Values. The Platform may display an indicative value for items based on

live market pricing, Aimgold’s internal pricing methodologies, and estimated weight

and composition. This indicative value is provided for guidance only. It is non-binding,

does not constitute an offer, and should not be relied upon as a guarantee of the price

you will receive. The word “indicative” reflects the fact that the value shown is an

estimate and not a confirmed or guaranteed figure.

4.3. Final Offers. Final Offers are made by the relevant Dealer (not by Aimgold)

following physical inspection and testing of your item. A Final Offer will be determined

by the Dealer based on:

(a) physical inspection;

(b) weight measurement;

(d) prevailing market conditions.

A Final Offer is made at the Dealer’s sole discretion. Aimgold does not determine,

guarantee or underwrite any Final Offer.

4.4. You acknowledge that estimated values and indicative values provided through the

Platform are generated using automated tools and market data, and that Aimgold does

not guarantee the accuracy, completeness or reliability of any such values. You should

not rely on any estimated or indicative value as a basis for any financial decision.

4.5. You acknowledge that the Platform is designed to assist decision-making and

provide guidance, but does not replace independent judgement.

5. Methods of Sale

5.1. Postal Transactions

5.1.1. You may submit items for sale by post using the Approved Postal Method. Details

of the current Approved Postal Method, including packaging requirements, labelling

instructions and insurance coverage, are set out on the Platform. You must follow the

Approved Postal Method in full. If you send items by any method other than the

Approved Postal Method, you do so at your own risk and Aimgold accepts no liability for

loss, theft or damage in transit.

5.1.2. Items submitted by post will be received, logged and securely stored on behalf of

the relevant Dealer. The Dealer will inspect, test and assess each item and, if the

Dealer wishes to make an offer, a Final Offer will be communicated to you via the

Platform.

5.1.3. If you accept the Final Offer, the Dealer will purchase the item and payment will

be processed in accordance with clause 7. If you decline the Final Offer, or if no Final

Offer is made, your item will be returned to you by the Approved Postal Method at the

address you have provided within fourteen (14) days of your decline or of the Dealer’s

decision not to make an offer. You will not be charged for the return of items in these

circumstances, unless the item has been submitted in breach of these Terms (for

example, in breach of the warranties in clause 3.1).

5.1.4. Ownership of items submitted by post remains with you at all times until a Final

Offer has been accepted by you and payment has cleared in accordance with clause 7.

5.2. In-Person Dealer Transactions

5.2.1. You may attend an appointment with an authorised Dealer at the Dealer’s

premises. The Dealer will conduct physical inspection and testing of your item and may

make a Final Offer.

5.2.2. If you accept the Final Offer, the Dealer will purchase the item. If you decline, you

retain your item. The transaction is directly between you and the Dealer.

5.2.3. Aimgold is not a party to any in-person transaction. Aimgold’s role is limited to

facilitating the introduction and providing the Platform tools used during the

transaction.

6. Risk, Loss and Insurance — Postal Transactions

6.1. Risk in Transit — Outbound. Where you send items using the Approved Postal

Method, risk of loss, theft or damage passes from you to Aimgold at the point the item is

properly handed over to the approved postal operator or deposited in an approved

parcel locker, provided that:

(a) you have followed the Approved Postal Method in full, including all packaging,

labelling and submission requirements; and

(b) you have obtained and retained valid proof of posting or deposit.

If you do not use the Approved Postal Method, or you fail to obtain proof of posting or

deposit, risk remains with you until the item is actually received at the designated

receiving address.

6.2. Risk While in Our Possession. While items are in Aimgold’s or the Dealer’s

possession (from receipt until the item is either purchased or dispatched back to you),

Aimgold shall be responsible for loss, theft or damage to items caused by its negligence

or the negligence of the Dealer, subject to the limitations in clause 14. Aimgold shall

maintain appropriate security and insurance arrangements for items held at its

premises or the Dealer’s premises.

6.3. Transit Insurance. Items sent using the Approved Postal Method are covered by

transit insurance up to a maximum value equal to the upper value of the valuation range

quoted to you on the Platform for the relevant item or items at the time the relevant

postal submission is generated on the Platform. This insurance covers loss, theft and

accidental damage in transit only, and is subject to the terms and conditions of the

insurer. Insurance applies only where the item has been sent using the Approved Postal

Method and valid proof of posting or approved locker deposit has been obtained.

6.4. Claims. If an item is lost or damaged in transit, you must notify Aimgold within

seven (7) days of the expected delivery date (for lost items) or within seven (7) days of

delivery (for damaged items). Aimgold will process the insurance claim on your behalf

and, subject to the insurer’s acceptance of the claim, will arrange payment to you of the

insured amount. Aimgold shall not be liable for any amount in excess of the insured

value, except to the extent that the loss or damage was caused by Aimgold’s

negligence.

6.5. In-Person Transactions. For in-person transactions, risk of loss, theft or damage

to items remains with you until the point at which a Final Offer is accepted and the item

is handed to the Dealer.

7. Transaction Completion, Ownership and Payment

7.1. A Transaction is completed when:

(a) the Dealer has made a Final Offer;

(b) you have accepted the Final Offer via the Platform or in person; and

7.2. Ownership of the item transfers from you to the Dealer upon clearance of the

payment into your nominated bank account. Until that point, ownership remains with

you.

7.3. Payment is made directly by the Dealer, typically by bank transfer to the bank

account you have provided on the Platform. Aimgold does not hold or process

transaction funds. Payment will ordinarily be initiated within one (1) Business Day of

acceptance of the Final Offer.

7.4. Dealers may, at their discretion, permit settlement by cash for lower-value

transactions. However, for compliance, fraud prevention and risk management

purposes, a Dealer may require payment to be made by bank transfer only, and

transactions at or above any applicable regulatory threshold may not be settled in

cash.

7.5. Aimgold is not responsible for delays in payment caused by the Dealer’s bank, your

bank or any third-party payment provider, provided that Aimgold has correctly

processed the transaction on the Platform. If payment has not been received within five

(5) Business Days of acceptance of the Final Offer, you should contact us at

help@aimgold.co.uk and we will investigate on your behalf.

8. Self-Billing

8.1. By using the Platform and accepting a Final Offer, you agree to a self-billing

arrangement under which the Dealer (as buyer of record) will issue a self-billing invoice

on your behalf in respect of each Transaction.

8.2. The self-billing invoice will be generated via the Platform and will include:

(a) the Dealer’s name, address and VAT registration number (where applicable);

(b) your name, address and VAT registration number (if you are VAT-registered);

(d) the final agreed price;

(e) the date of the Transaction; and

(f) a unique invoice reference number.

8.3. You agree that:

(a) you will not issue a separate sales invoice in respect of any Transaction covered by a

self-billing invoice;

(b) each self-billing invoice shall be valid for accounting and tax purposes; and

(14) days of the invoice date, specifying the grounds for dispute.

8.4. If you are VAT-registered, you must notify us of your VAT registration number before

completing any Transaction. You must also notify us promptly if your VAT registration

status changes at any time while you have an active account on the Platform, or within

twelve (12) months of your last Transaction.

8.5. This self-billing arrangement is maintained in accordance with HMRC’s

requirements. Details of the self-billing agreement between the Dealer and the Seller

are available on request.

9. Dealer Role and Independence

9.1. Each Dealer is an independent business. Dealers are not employees, agents,

partners or franchisees of Aimgold. Aimgold does not control or direct Dealers’

commercial decisions.

9.2. The Platform may provide Dealers with market data, pricing information and

analytical tools, including system-generated valuations, to assist them in making Final

Offers. Dealers will typically rely on these outputs to ensure consistency across the

Aimgold network. However, each Dealer retains full and sole discretion over whether to

make a Final Offer and the price at which any offer is made.

9.3. Aimgold does not guarantee that any Dealer will make a Final Offer for any item.

The availability and terms of any offer are matters for the relevant Dealer.

9.4. If you have a complaint or dispute about a Final Offer, a Transaction, or the

conduct of a Dealer, please contact us using the details in clause 16, and we will assist

in facilitating a resolution. However, Aimgold is not liable for the acts or omissions of

Dealers, except to the extent that such acts or omissions are directly caused by a

failure of the Platform.

10. Precious Metal Items — Dealer Offers

10.1. Where an item submitted through the Platform contains recoverable precious

metal (including gold, silver, platinum or palladium), the relevant Dealer will generally

seek to provide a Final Offer following inspection and testing. This reflects the nature of

the Aimgold Dealer network, which specialises in the purchase of precious metals and

aims to ensure that Sellers are able to realise value from such items.

10.2. This clause does not constitute:

(a) a guarantee that a Final Offer will be made for any item;

(b) a guarantee of any particular price; or

10.3. A Dealer may decline to make a Final Offer where:

(a) your identity verification is incomplete or unsatisfactory;

(b) the item is suspected to have been obtained unlawfully or to be connected with

criminal activity;

(d) the item is not commercially viable to process;

(e) the Dealer is required by law, regulation or regulatory guidance to decline; or

(f) the Dealer otherwise exercises its commercial discretion not to offer.

11. Anti-Money Laundering and Regulatory Compliance

11.1. Aimgold and its Dealers are subject to applicable anti-money laundering, counterterrorist

financing and related legislation and regulatory requirements, including where

applicable the Money Laundering, Terrorist Financing and Transfer of Funds

(Information on the Payer) Regulations 2017 (as amended).

11.2. You acknowledge that Aimgold and its Dealers may be required to:

(a) carry out enhanced due diligence in certain circumstances;

(b) refuse, delay, suspend or cancel transactions where required by law, regulation or

internal compliance policies; and

without notifying you.

11.3. Aimgold shall not be liable for any loss, delay or inconvenience you suffer as a

result of the exercise of its obligations under applicable anti-money laundering

legislation.

12. Acceptable Use of the Platform

12.1. You agree that you will:

(a) use the Platform only for lawful purposes and in accordance with these Terms;

(b) provide accurate, truthful and complete information at all times; and

12.2. You agree that you will not:

(a) provide false, misleading or fraudulent information, including inaccurate

descriptions of items;

(b) attempt to manipulate or interfere with any valuation, pricing or analytical tool on

the Platform;

(d) use the Platform to facilitate any illegal activity, including money laundering, fraud,

handling stolen goods or tax evasion;

(e) use any automated system, script, bot or scraper to access the Platform or extract

data from it;

(f) attempt to gain unauthorised access to the Platform, its servers or any connected

systems;

(g) introduce any virus, malware, trojan or other harmful code to the Platform; or

(h) use the Platform in any way that could damage, disable, overburden or impair its

operation.

12.3. We reserve the right to suspend or terminate your access to the Platform if we

reasonably believe that you have breached any provision of this clause 12, or if we are

required to do so by law or regulation. Where reasonably practicable, we will give you

notice and an opportunity to address the issue before suspending or terminating your

access, unless we reasonably consider that immediate action is necessary to protect

Aimgold, a Dealer, or any third party from harm or legal liability.

13. Data Protection and Privacy

13.1. We take the protection of your personal data seriously. Our Privacy Policy,

available at https://aimgold.co.uk/policies/privacy-policy, sets out in full how we

collect, use, store, share and protect your personal data, including your rights under

the UK General Data Protection Regulation (“UK GDPR”) and the Data Protection Act

2018.

13.2. By using the Platform, you acknowledge that we will process your personal data in

accordance with our Privacy Policy. In particular, you acknowledge that:

(a) we will collect and process personal data (including identity documents and, where

applicable, biometric data) for the purposes of identity verification, anti-money

laundering compliance, transaction processing and the administration of your account;

(b) we may share your personal data with the relevant Dealer for the purpose of

completing a Transaction, including your name, contact details, identity verification

status and item details;

you may withdraw at any time; and

(d) KYC and transaction records may be retained for the periods required by applicable

anti-money laundering legislation (currently five years from the date of the relevant

transaction), after which they will be securely deleted unless further retention is

required by law.

13.3. Your rights under the UK GDPR, including the right of access, rectification,

erasure, restriction, portability and objection, are set out in our Privacy Policy.

14. Limitation of Liability

14.1. Nothing in these Terms excludes or limits the liability of Aimgold or any Dealer for:

(a) death or personal injury caused by negligence;

(b) fraud or fraudulent misrepresentation;

Part 1 of the Consumer Rights Act 2015; or

(d) any liability arising under clause 6.2 for loss of or damage to items caused by

Aimgold’s negligence while in Aimgold’s possession.

14.2. Subject to clause 14.1, Aimgold’s total aggregate liability to you under or in

connection with these Terms, whether in contract, tort (including negligence), breach of

statutory duty or otherwise, shall not exceed the higher of:

(a) the value of the relevant Transaction; and

(b) one thousand pounds (£1,000),

except in the case of items lost or damaged in Aimgold’s possession, where Aimgold’s

liability shall be as set out in clause 6.

14.3. Subject to clause 14.1, Aimgold shall not be liable to you for any:

(a) loss of profits, revenue, anticipated savings or business opportunity;

(b) indirect, special or consequential loss or damage;

in each case whether or not foreseeable and even if Aimgold has been advised of the

possibility of such loss.

14.4. Aimgold is a technology platform. Aimgold does not inspect, test or value items,

and does not make or guarantee any offer. To the extent permitted by law, Aimgold is

not liable for:

(a) the accuracy of any estimated or indicative value generated by the Platform;

(b) the amount of any Final Offer made by a Dealer;

(d) the acts, omissions or solvency of any Dealer; or

(e) any dispute between you and a Dealer.

14.5. Your statutory rights as a consumer are not affected by these Terms.

15. Intellectual Property

15.1. All content on the Platform, including text, graphics, logos, images, software,

algorithms, data, pricing methodologies and underlying code (the “Platform Content”),

is owned by or licensed to Aimgold and is protected by copyright, trade mark and other

intellectual property laws. All rights are reserved.

15.2. We grant you a limited, non-exclusive, non-transferable, revocable licence to

access and use the Platform for your personal, non-commercial use in accordance with

these Terms. You may not:

(a) copy, reproduce, distribute, modify, adapt, create derivative works from, publicly

display or exploit any Platform Content;

(b) use any data mining, scraping, crawling or similar automated data-gathering tools

on the Platform; or

of the Platform, except to the extent expressly permitted by applicable law.

15.3. Where you upload photographs, descriptions or other content to the Platform in

connection with your use of the service (“User Content”), you grant Aimgold a nonexclusive,

royalty-free, worldwide licence to use, store, reproduce and display the User

Content for the purposes of operating the Platform and facilitating Transactions. You

retain ownership of your User Content. You warrant that you have the right to grant this

licence and that your User Content does not infringe any third party’s intellectual

property rights.

16. Complaints and Dispute Resolution

16.1. If you have a complaint about the Platform, a Transaction, or the service you have

received, please contact us at help@aimgold.co.uk or by post to 15 Half Moon Street,

London, W1J 7DZ. We will acknowledge your complaint within five (5) Business Days

and will aim to resolve it within fourteen (14) days. If we need more time, we will let you

know and keep you updated on progress.

16.2. If we are unable to resolve your complaint internally, we will provide you with any

consumer dispute resolution information that we are required to provide by applicable

law at that time.

16.3. Nothing in this clause prevents you from bringing proceedings in court if you wish

to do so.

17. Cancellation and Cooling-Off

17.1. If you submit items by post, the postal submission process constitutes a distance

contract for the purposes of the Consumer Contracts (Information, Cancellation and

Additional Charges) Regulations 2013 (the “Consumer Contracts Regulations”).

17.2. You have the right to cancel your use of the Platform at any time before a Final

Offer has been accepted by you. If you wish to cancel after submitting items by post but

before accepting a Final Offer, your items will be returned to you in accordance with

clause 5.1.3.

17.3. Once you have accepted a Final Offer, the Transaction involves the sale of goods

(precious metals) the price of which is dependent on fluctuations in the financial

market which cannot be controlled by the Dealer and which may occur within the

cancellation period. You therefore acknowledge that, pursuant to Regulation 28(2) of

the Consumer Contracts Regulations, the right to cancel under those Regulations does

not apply to completed Transactions. This does not affect your other statutory rights.

18. Hallmarking

18.1. You acknowledge that items described by reference to precious metal content

may be subject to the Hallmarking Act 1973. Aimgold does not provide assay or

hallmarking services. Any description of metal type or composition on the Platform is

based on your input or on the Dealer’s testing and is provided for the purposes of

valuation and sale only. The Dealer is responsible for ensuring compliance with the

Hallmarking Act 1973 in relation to any onward sale of items purchased.

19. Platform Availability

19.1. Aimgold will use reasonable endeavours to ensure the Platform is available and

operational. However, we do not guarantee uninterrupted, continuous or error-free

access to the Platform.

19.2. We may suspend or restrict access to the Platform (in whole or in part) for

maintenance, updates, security reasons or any reason beyond our reasonable control.

Where reasonably practicable, we will give advance notice of planned downtime on the

Platform.

19.3. Aimgold shall not be liable for any loss or damage arising from any period of

unavailability of the Platform.

20. Changes to These Terms

20.1. We may update these Terms from time to time to reflect changes in our services,

legal requirements or business practices. Where we make material changes, we will

notify you by email to the address associated with your account, or by a prominent

notice on the Platform, at least thirty (30) days before the changes take effect.

20.2. If you do not agree to the updated Terms, you may close your account and stop

using the Platform before the changes take effect. Your continued use of the Platform

after the effective date of the updated Terms constitutes your acceptance of those

Terms.

20.3. Changes to these Terms will not affect any Transaction that has already been

completed before the effective date of the change.

21. Force Majeure

21.1. Aimgold shall not be liable for any failure or delay in performing its obligations

under these Terms to the extent that such failure or delay is caused by circumstances

beyond its reasonable control, including acts of God, fire, flood, severe weather,

pandemic, epidemic, government action, war, terrorism, civil unrest, power failure,

failure of telecommunications networks, postal disruption or industrial action.

22. General Provisions

22.1. Severability. If any provision of these Terms is held by a court or competent

authority to be invalid, illegal or unenforceable, the remaining provisions shall continue

in full force and effect. The invalid provision shall be deemed modified to the minimum

extent necessary to make it valid and enforceable, reflecting the original intention as

closely as possible.

22.2. Entire Agreement. These Terms, together with our Privacy Policy, constitute the

entire agreement between you and Aimgold in relation to your use of the Platform, and

supersede all prior agreements, understandings, representations and discussions

(whether written or oral) relating to its subject matter. You acknowledge that you have

not relied on any statement, representation or warranty not expressly set out in these

Terms. Nothing in this clause excludes liability for fraudulent misrepresentation.

22.3. Assignment and Transfer. Aimgold may assign, transfer, novate or sub-contract

any of its rights or obligations under these Terms at any time. You may not assign,

transfer or sub-contract any of your rights or obligations under these Terms without

Aimgold’s prior written consent.

22.4. Waiver. A failure or delay by Aimgold in exercising any right or remedy under these

Terms shall not constitute a waiver of that right or remedy, nor shall it prevent or restrict

the further exercise of that or any other right or remedy.

22.5. Third-Party Rights. No person other than you and Aimgold shall have any rights

under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of these

Terms. This does not affect any right or remedy of a third party that exists or is available

apart from that Act.

22.6. Notices. Any notice given under these Terms shall be in writing. Notices to

Aimgold should be sent to help@aimgold.co.uk or by post to 15 Half Moon Street,

London, W1J 7DZ. Notices to you will be sent to the email address or postal address

associated with your Platform account. Notices sent by email shall be deemed received

on the next Business Day after sending. Notices sent by post shall be deemed received

on the second Business Day after posting by first-class post.

23. Governing Law and Jurisdiction

23.1. These Terms and any dispute or claim arising out of or in connection with them or

their subject matter or formation (including non-contractual disputes or claims) shall

be governed by and construed in accordance with the laws of England and Wales.

23.2. The courts of England and Wales shall have non-exclusive jurisdiction to settle

any dispute or claim arising out of or in connection with these Terms. This means that

you may bring a claim in the courts of England and Wales, or, if you are resident in Scotland, in the Scottish courts, or, if you are resident in Northern Ireland, in the courts of Northern Ireland.

23.3. If you are resident in the Republic of Ireland, you may also bring proceedings in

the courts of the Republic of Ireland. These Terms are governed by English law, but

nothing in these Terms deprives you of the protection of the mandatory provisions of

the law of your country of residence.

23.4. If you are a consumer, your statutory rights are not affected by these Terms.