Terms and Conditions

Requirements for Use

Customers must be at least eighteen (18) years of age in order to conduct a Ramsdens Premier Pawnbroking transaction. In addition, every Premier Pawnbroking customer must be the actual owner of any and all property offered as security and every customer must be acting on his or her own behalf and not as an agent or representative of another person.

Shipping

Ramsdens Premier Pawnbroking provides basic packaging for your jewellery which comprises a padded envelope and a tamper proof Royal Mail Special Delivery bag. It is your responsibility to ensure that your items are securely and appropriately packaged, including the use of additional and /or item specific packaging. Ramsdens Premier Pawnbroking cannot be held responsible for damage to items sent in inappropriate packaging.

The Royal Mail Special Delivery Service provides an insurance cover for loss or damage to your jewellery in transit up to a market replacement value of £2500. If you think the market replacement value of your jewellery is more than £2500, it is your sole responsibility to take out additional insurance. If you choose to despatch jewellery of a replacement value that exceeds £2500 via the free Royal Mail Special Delivery Service without arranging any additional insurance cover, you agree that you are doing this at your own risk, and that you will have no claim on us and/or the Royal Mail for any amount exceeding £2500 of the replacement value of any goods lost, damaged or devalued in any way in the course of the Royal Mail Special Delivery service.

Ramsdens Premier Pawnbroking reserves the right, in its sole discretion, to reject delivery of any mail, envelope or package which appears to be damaged, opened, or tampered with and any such mail, envelope or package will be returned by the Royal Mail to the customer.

Ramsdens Premier Pawnbroking shall have no liability to any customer for any such attempted delivery or return of any such items.

It is your responsibility to obtain and retain a receipt for shipping your jewellery to us. This receipt should include a unique tracking code. This receipt is required for any insurance claim. You must also ensure that you can produce photographs of your jewellery as well as at least one document per item which will prove ownership and the current replacement value of your jewellery. Please note that it is your responsibility to keep safe all documentation relating to your jewellery that would be useful in support of an insurance claim, including, but not limited to purchase receipts, shipping receipts, certificates, valuations, insurance documents or photos.

Furthermore, you agree that we are not liable in any way if the Royal Mail refuses any insurance claim in relation to your jewellery.

Should any insurance claim arise out of any loss or damage suffered in shipping your jewellery back to you, the replacement value(s) claimed will be according to our valuation of your jewellery as described below, whether you accept any loan offer or not.

On receiving your jewellery from you, we inspect the item(s), and compare your jewellery to the description supplied by you, in order to confirm that they match. We value your jewellery in good faith, according to accepted industry standards and prevailing market rates, and on the assumption that the description provided by you is completely accurate. Should your jewellery vary from the description provided by you in a manner that affects the valuation, we may, at our absolute discretion, decline to make an offer or make an offer to you that is higher or lower than the initial indication given to you for any reason. Any offer that we make to you is subject to you signing a formal online credit agreement at www.premierpawnbroking.co.uk/

You agree that all documents that we are entitled to send you electronically may be delivered to you at the latest email address provided.

Limitation of Liability

This limitation of liability shall be binding on each and every customer and any third party, including, but not limited to, the customer and the customer's successors, assigns, insurance carriers and any other individual or entity asserting any right or claim relating to the customer's transaction with Ramsdens Premier Pawnbroking.

In no event shall Ramsdens Premier Pawnbroking be liable to any third party, including any insurance carrier. Ramsdens Premier Pawnbroking shall not be liable for any subrogation claim brought by customer's insurance carrier, and, by submitting an item to Ramdens Premier Pawnbroking, the customer expressly and specifically waives any such subrogation claim on his or her behalf as well as on the behalf of his or her insurance carrier. Ramsdens Premier Pawnbroking shall not be liable to anyone for any damages, including but not limited to, incidental, consequential, punitive, loss of profit or opportunity, other than as set forth herein above.

By submitting the item, the customer explicity and expressly accepts this limitation of liability.

Copyright and Other Intellectual Property Rights in the Site

For the purpose of these terms and conditions the expression "Site Information" means any images, graphics, photographs, text, information, data, animations, videos, applets, computer programs, computer code and scripts operating within, appearing in, published on or which form part of, this site (the "Site").

Unless otherwise expressly stated, all intellectual property rights (including, without limitation, copyright, trade marks, service marks, database rights and trading names) in the Site Information are owned by us, Ramsdens Financial Limited (a company incorporated under the Companies Acts (Company No. 03045495) and having its registered office at 103/105 Acklam Road, Middlesbrough, Cleveland, TS5 5HR). We may publish photographs, images or text on the Site in which the copyright is not owned by us. Where this is done, and where practicable, we acknowledge the copyright owner.

You may view the Site Information in a web browser for private browsing purposes only. Copying the Site Information into a computer cache or storage device for private on or off-line browsing purposes is also permitted. You may not make a copy of the Site Information or any part of it for any other purpose without our prior written consent, which may be granted at our sole discretion (or where we do not own the copyright, we will direct you to the oweners themselves for such consent (where reasonable practicable)). Furthermore, and without prejudice to the foregoing, you are not permitted to use, display or otherwise incorporate the Site Information into any web page which does not form part of the Site by hypertext link, or by any other means other than copying, without our prior written consent. Nothing in these terms and conditions or on the Site constitutes a license to use or copy the Site Information in any way.

Changes to these Terms and Conditions 

We may, from time to time, amend these Terms and Conditions, in whole or in part, at our sole discretion. Any changes to these Terms and Conditions will be effective immediately upon the posting of the revised Terms and Conditions on the Site. Depending on the nature of the change, we may announce the change (1) on the home page of the Site, or (2) provide such notice via e-mail to users. By continuing to use the Site following any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or in part, you must terminate your site usage.