Own4Less

General Terms of Use

These Terms of Use, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.own4less.co.uk ("Our Site"). Please read these Terms of Use carefully and ensure that you understand them. Your agreement to comply with and be bound by these Terms of Use is deemed to occur upon your first use of Our Site. If you do not agree to comply with and be bound by these Terms of Use, you must stop using Our Site immediately. These Terms of Use do not apply to sales or purchases made on Our Site. Please refer to Our Seller Terms of Use or Buyer Terms of Use for more information.

1. Definitions and Interpretation

1.1 In these Terms of Use, unless the context otherwise requires, the following expressions have the following meanings:

(a) "Account" means an account required to access and/or use certain areas of Our Site, as detailed in Clause 4;

(b) "Buyer" means a User who makes a purchase on Our Marketplace;

(c) "Content" means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site;

(d) "Marketplace" means Our platform for Buyers and Sellers on Our Site;

(e) "Seller" means a User who sells on Our Marketplace;

(f) "Third Party Advertising" means advertising displayed on Our Site, provided by third parties;

(g) "Third Party Advertiser" means a party responsible for Third Party Advertising displayed on Our Site;

(h) "User" means a user of Our Site;

(i) "User Content" means any Content added to Our Site by a User; and

(j) "We/Us/Our" means Nosco Management Solutions Ltd, a limited company registered in England under company number 07953780, whose registered address is 5 High Street, Pontypridd CF37 1QJ.

2. Information About Us

2.1 Our Site is owned and operated by Nosco Management Solutions Ltd.

2.2 Our Site is available to other businesses who subscribe to be able to offer products for sale on Our Site, subject to Our verification process — see Our Seller Terms of Use.

3. Access to Our Site

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend, or discontinue Our Site (or any part of it) at any time and without notice. Subject to the remainder of these Terms of Use, Our Terms for Buyers, and Our Terms for Sellers, We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

4. Accounts

4.1 Certain parts of Our Site (including the ability to buy and sell through the Marketplace) require an Account in order to use them.

4.2 Our Site, and Our Marketplace in particular, involves financial transactions and identity/fraud checks. You may not create an Account, and We will not knowingly permit any person to hold an Account, if you are under 18 years of age. There is no parental or guardian exception to this restriction — Accounts and Our Marketplace are for adult use only.

4.3 When creating an Account, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.

4.4 We require that you choose a strong password for your Account, consisting of the characters prompted to you at the time of creating an Account.

4.5 It is your responsibility to keep your password safe. You must not share your Account with anyone else.

4.6 If you believe your Account is being used without your permission, please contact Us immediately at admin@own4less.co.uk. We will not be liable for any unauthorised use of your Account.

4.7 You must not use anyone else’s Account.

4.8 All personal information provided in your Account will be collected, used, and held in accordance with your rights and Our obligations under the law, as set out in Clause 15.

4.9 If you wish to delete your Account, you may do so at any time by sending an email to admin@own4less.co.uk. If you delete your Account, We will remove your information from Our systems and will remove your User Content from Our Site (where applicable), subject to any retention We are required or permitted to apply for fraud-prevention, accounting, or legal purposes (see Our Privacy Policy). Deleting your Account will also remove access to any areas of Our Site requiring an Account for access.

5. Intellectual Property Rights and Use of Our Site

5.1 With the exception of User Content, all Content included on Our Site and the copyright and other intellectual property rights in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content, including User Content, is protected by applicable United Kingdom and international intellectual property laws and treaties.

5.2 Subject to sub-Clause 5.3, you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content (including User Content) from Our Site unless given express written permission to do so by Us or the relevant User.

5.3 You may: (a) access, view, and use Our Site in any web browser (including in-app web browsers); (b) download Our Site (or any part of it) for caching; (c) print one copy of any pages from Our Site; (d) download extracts from pages on Our Site; and (e) save pages from Our Site for later and/or offline viewing.

5.4 The owner and author of any Content (including User Content) must always be acknowledged when re-using that Content.

5.5 You may not use any Content (including User Content) printed, saved, or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or Our licensors, or the relevant User, as appropriate) to do so. This does not prohibit the normal access, viewing, and use of Our Site for general purposes whether by business users or consumers.

6. User Content

6.1 User Content on Our Site includes (but is not limited to) products (including previously-owned products) that are available to buy and sell.

6.2 You agree that you will be solely responsible for your User Content. Specifically, you agree, represent, and warrant that you have the right to submit the User Content and that it will comply with Our Acceptable Usage Policy (Clause 13).

6.3 You agree that you will be liable to Us and will, to the fullest extent permissible by law, indemnify Us for any breach of the warranties given by you under sub-Clause 6.2. You will be responsible for any loss or damage suffered by Us as a result of such breach.

6.4 You (or the licensors who own the Content in question, as appropriate) retain ownership of the User Content that you submit to Our Site and all the intellectual property rights in that User Content. By submitting User Content to Our Site, you grant Us an irrevocable, unconditional, non-exclusive, fully transferable, royalty-free, perpetual, worldwide licence to use, store, archive, syndicate, publish, transmit, adapt, edit, reproduce, distribute, prepare derivative works from, display, perform, and sub-licence your User Content for the purposes of operating and promoting Our Site.

6.5 If you wish to remove User Content, you may do so by following the instructions provided within your User portal. We will use reasonable efforts to remove the User Content from Our Site, though caching or references may not be made unavailable immediately.

6.6 We may reject, reclassify, or remove any User Content from Our Site where it violates Our Acceptable Usage Policy, or if We receive a complaint from a third party about it and determine that it should be removed in response to that complaint. If any of your User Content is removed, you will be informed of the removal and the reasons for it in writing.

7. Links to Our Site

7.1 You may link to Our Site provided that: (a) you do so in a fair and legal way; (b) you do not suggest any form of association, endorsement, or approval where none exists; (c) you do not use any logos or trademarks displayed on Our Site without Our express written permission; and (d) you do not do so in a way intended to damage Our reputation or take unfair advantage of it.

7.2 You may link to any page on Our Site.

7.3 Framing or embedding of Our Site on other websites requires Our express written permission. Please contact Us at admin@own4less.co.uk for further information.

7.4 You may not link to Our Site from any other site whose main content contains material that is unlawful, discriminatory, deceptive, infringing, or otherwise objectionable, or which misleadingly implies any form of affiliation with Us where none exists.

8. Links to Other Sites

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third-party sites.

9. Third Party Advertising

9.1 We may feature Third Party Advertising on Our Site.

9.2 You agree that you will not attempt to remove or hide any Third-Party Advertising using HTML/CSS or by any other method.

9.3 Each Third-Party Advertiser is responsible for the content of their own Advertising. We will not be responsible for any Third-Party Advertising on Our Site.

10. Disclaimers and Legal Rights

10.1 Nothing on Our Site constitutes advice on which you should rely. Information and other materials on Our Site are provided for general information purposes only.

10.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

10.3 We make reasonable efforts to ensure that Our Content on Our Site is complete, accurate, and up-to-date, but do not make any representations, warranties, or guarantees (whether express or implied) that it is.

10.4 We are not responsible for the content or accuracy of any User Content, nor for any opinions, views, or values expressed in any User Content.

11. Our Liability

11.1 Please note that the provisions of this Clause 11 are subject to Our Terms for Buyers and Terms for Sellers.

11.2 To the fullest extent permissible by law, We accept no liability to any User for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site, or the content of, use of, or reliance upon any Content (including User Content) included on Our Site.

11.3 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or to any Content (including User Content) included on Our Site.

11.4 If you are a business (i.e. a User using Our Site in the course of business and/or for commercial reasons), We accept no liability for loss of profits, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

11.5 We use all reasonable skill and care to ensure that Our Site is free from viruses and other malware, but accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event.

11.6 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes.

11.7 Nothing in these Terms of Use seeks to exclude or restrict Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other liability that cannot be excluded or restricted by law. For full details of consumers’ legal rights, please contact your local Citizens Advice Bureau or Trading Standards Office.

12. Viruses, Malware, and Security

12.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware, including scanning User Content uploaded by Users. We do not guarantee that Our Site is free from viruses or other malware and accept no liability in respect of the same, subject to sub-Clause 11.7.

12.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.

12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

12.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

12.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

12.6 By breaching the provisions of sub-Clauses 12.3 to 12.5, you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

13. Acceptable Usage Policy

13.1 You may only use Our Site in a manner that is lawful and that complies with the provisions of this Clause 13. Specifically: (a) you must comply fully with all applicable local, national, or international laws and/or regulations; (b) you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; (c) you must not use Our Site to knowingly send, upload, or transmit data containing a virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and (d) you must not use Our Site in any way, or for any purpose, intended to harm any person or persons in any way.

13.2 When using Our Site, you must not communicate or otherwise do anything that: is sexually explicit; is obscene, deliberately offensive, hateful, or otherwise inflammatory; promotes violence; promotes or assists in any form of unlawful activity; discriminates against, or is in any way defamatory of, any person, group, or class of persons on the basis of race, gender, religion, nationality, disability, sexual orientation, or age; is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person; is calculated or is otherwise likely to deceive; is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy or otherwise misuses their personal data; misleadingly impersonates any person or otherwise misrepresents your identity or affiliation; implies any form of affiliation with Us where none exists; infringes, or assists in the infringement of, the intellectual property rights of any other party; or is in breach of any legal duty owed to a third party.

13.3 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause 13 or any other provision of these Terms of Use. We may also remove your User Content, issue a written warning, pursue legal proceedings and further action against you as appropriate, disclose information to law enforcement authorities, and take any other action We deem reasonably necessary, appropriate, and lawful.

13.4 We hereby exclude any and all liability arising out of any actions that We may take in response to breaches of these Terms of Use.

14. Privacy and Cookies

Our Site uses Cookies, and use of Our Site is also governed by Our Privacy Policy and Cookie Policy, available on Our Site.

15. How We Use Your Personal Information (Data Protection)

15.1 All personal information that We may use will be collected, processed, and held in accordance with the provisions of the UK GDPR and the Data Protection Act 2018, and your rights under that legislation.

15.2 For complete details of Our collection, processing, storage, and retention of personal data, including the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (including with Sellers and Fraud Prevention Agencies for the prevention and detection of fraud), please refer to Our Privacy Policy.

16. Communications from Us

16.1 If We have your contact details, We may send you important notices by email. Such notices will only relate to important matters including service changes; changes to these Terms of Use, Our Terms for Sellers, Terms for Buyers, Privacy Policy, or Cookie Policy; and changes to your Account.

16.2 We will never send you marketing emails of any kind without your express permission. If you do give Us permission, you may opt out at any time.

17. Contacting Us

To contact Us, please email Us directly at admin@own4less.co.uk, telephone Us on 01443 485880, or using any of the options provided on Our contact page.

18. Changes to these Terms of Use

18.1 We may alter these Terms of Use at any time. Any such changes will become binding on you upon your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.

18.2 In the event of any conflict between the current version of these Terms of Use and any previous version(s), the current version shall prevail unless specifically stated otherwise.

19. Law and Jurisdiction

19.1 These Terms of Use, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, the law of England & Wales.

19.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in sub-Clause 19.1 above takes away or reduces your rights as a consumer to rely on those provisions.

19.3 If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms of Use, or the relationship between you and Us, shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

19.4 If you are a business, any disputes concerning these Terms of Use, the relationship between you and Us, or any matters arising therefrom or associated therewith shall be subject to the exclusive jurisdiction of the courts of England & Wales.

Buyer Terms of Use

These Terms for Buyers, together with any and all other documents referred to herein, set out the terms under which Users ("Buyers") buy from Sellers on Our Marketplace. Please read these Terms for Buyers carefully and ensure that you understand them before purchasing anything on Our Marketplace. You will be required to read and accept these Terms for Buyers when you first transact on Our Marketplace. If you do not agree to comply with and be bound by these Terms for Buyers, you will not be able to purchase anything on Our Marketplace. These Terms for Buyers, as well as any and all contracts, are in the English language only.

1. Definitions and Interpretation

1.1 In these Terms for Buyers, unless the context otherwise requires, the following expressions have the following meanings:

(a) "Account" means an account required to access and/or use certain areas of Our Site, including Our Marketplace;

(b) "Buyer" means a User who makes a purchase on Our Marketplace;

(d) "Listing" means a listing on Our Marketplace advertising an item or items for sale;

(e) "Marketplace" means Our platform for Buyers and Sellers on Our Site;

(f) "Our Site" means this website, www.own4less.co.uk;

(g) "Payment Service" means the payment service provided by Ryft Pay, or by any other Payment Service Provider that We may appoint from time to time;

(h) "Seller" means a User who sells on Our Marketplace;

(i) "Third Party Payment Service Provider" means Ryft Pay, or any other payment service provider that We may make available on Our Site from time to time;

(j) "User" means a user of Our Site;

(k) "User Content" means any Content added to Our Site by a User; and

(l) "We/Us/Our" means Nosco Management Solutions Ltd, a limited company registered in England under company number 07953780, whose registered address is 5 High Street, Pontypridd CF37 1QJ.

2. Information About Us

2.1 Our Site is owned and operated by Nosco Management Solutions Ltd.

2.2 Our Site is available to other businesses who subscribe to be able to offer products for sale on Our Site.

3. Access to and Use of Our Site

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend, or discontinue Our Site (or any part of it) at any time and without notice. Subject to the remainder of these Terms for Buyers, We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

3.4 Use of Our Site is also subject to Our General Terms of Use and Terms for Sellers. Please ensure that you have read them carefully and that you understand them.

4. Age Restrictions

You may only make purchases on Our Marketplace if you are at least 18 years of age.

5. Our Marketplace

Our Marketplace is provided solely as an online venue for Buyers and Sellers. We are not a party to any transactions or other relationships between Buyers and Sellers. You hereby acknowledge and agree that:

(a) You are not making a purchase from Us and are not entering into a contract with Us. Your purchase is from the Seller in question, and your contract is with that Seller;

(b) We will not be a party to any dispute between you and any Seller or another Buyer, and any claims must be made directly against the party concerned. However, We reserve the right — but are under no obligation — to intervene in any such dispute, including by investigating the matter, requesting information or evidence from either party, facilitating communication between the parties, or taking any action available to Us under Our Terms for Sellers, where We consider this necessary or appropriate to uphold the integrity, safety, or reputation of Our Marketplace. Any such intervention is undertaken entirely at Our discretion, does not make Us a party to the dispute or to the underlying contract between you and the Seller or other Buyer, and does not affect Our position under this Clause 5 or Our liability position under Clause 17;

(c) All Sellers are verified UK-registered businesses before they are permitted to list on Our Marketplace, but We do not otherwise pre-screen Sellers or any items that Sellers advertise in Listings on Our Marketplace, and We are not, therefore, responsible for any items sold or for the content of any Listings; and

(d) While all Sellers are required to comply with Our Terms for Sellers, which include provisions covering important matters such as payment methods, processing times, and delivery methods, all Sellers are different and may not accept the same payment methods, process transactions within the same time frame, or offer the same delivery methods (or prices).

6. Intellectual Property Rights

6.1 The provisions of Clause 5 of Our General Terms of Use apply to all User Content submitted to Our Site, including any and all User Content submitted to Our Marketplace in Listings.

6.2 Buyers must, at all times, respect the intellectual property rights of Sellers on Our Marketplace. Under no circumstances may you use intellectual property belonging to another party without that party’s express permission.

7. Buyer Rules and Acceptable Usage Policy

7.1 When using Our Marketplace, you must do so lawfully, fairly, and in a manner that complies with the provisions of this Clause 7. Specifically: (a) you must comply fully with all applicable laws and/or regulations; (b) you must not use Our Marketplace unlawfully or fraudulently; (c) you must not knowingly transmit any virus or other malware; (d) you must not use Our Marketplace to harm any person; (e) you must always provide accurate, honest information to Sellers; and (f) you must not engage in any form of price fixing with other Users.

7.2 When using Our Marketplace, you must not submit anything, or otherwise do anything, that is sexually explicit, obscene, deliberately offensive, hateful or inflammatory; promotes violence or unlawful activity; is discriminatory or defamatory; is intended to threaten, harass, or embarrass another person; is deceptive; infringes another person’s privacy rights or misuses their personal data; misleadingly impersonates any person; implies affiliation with Us where none exists; infringes another party’s intellectual property rights; or breaches any legal duty owed to a third party.

7.3 We reserve the right to suspend or terminate your access to Our Marketplace if you materially breach the provisions of this Clause 7 or any other provision of these Terms for Buyers. Further actions We may take include removing offending material, issuing a written warning, legal proceedings for reimbursement of relevant costs on an indemnity basis, further legal action, disclosure to law enforcement authorities, and any other reasonable and lawful action.

7.4 We hereby exclude any and all liability arising out of any actions that We may take in response to breaches of these Terms for Buyers.

8. Purchasing from Sellers

8.1 As set out above in Clause 5, all transactions on Our Marketplace are between Buyers and Sellers only. We are not a party to such transactions.

8.2 When making a purchase from a Seller, you expressly agree that: (a) you have read the description and all details within the relevant Listing carefully and that you understand and agree to any specific policies stated to apply by the Seller; (b) you will pay for the item(s) purchased in full and on time, using one of the Seller’s accepted payment methods via Our Payment Service, details of which are provided below in Clause 9; and (c) you have provided complete and accurate delivery details to the Seller.

9. Payment Service

9.1 All payments on Our Marketplace are made through the Payment Service provided by Our Third Party Payment Service Provider — currently Ryft Pay, though We reserve the right to use any other payment service provider(s) from time to time.

9.2 Your use of the Payment Service may require an account with the Third-Party Payment Service Provider and will be subject to its own terms and conditions and privacy policy. You will be required to read and accept those terms and conditions and privacy policy before making payments to Sellers on Our Marketplace.

9.3 By using the Payment Service, you acknowledge and agree to Us sharing your personal information and/or information about your transactions on Our Marketplace with the Third-Party Payment Service Provider insofar as it is required in order to facilitate and make possible the payment, and, where relevant, to help prevent and detect fraud (see Clause 19 and Our Privacy Policy).

9.4 If We receive notice from the Third Party Payment Service Provider that your use of Our Marketplace or the Payment Service is in breach of their terms or of any agreement between you and them, We may take actions including those necessary to rectify your breach, removing your ability to use the Payment Service, and/or the suspension or termination of your Account.

9.5 The Third-Party Payment Service Provider reserves the right to refuse the use of the Payment Service to anyone, for any reason, and at any time.

10. Payments to Sellers

10.1 All payments are processed using the Payment Service described above in Clause 9.

10.2 If you do not pay, the Seller may cancel the transaction. Please refer to Clause 15 for more information on the Seller’s cancellation rights.

10.3 We will not make any of your payment details (including card numbers, bank account numbers, and sort codes) available to Sellers at any time, or for any reason. All payment details are held securely and shared only with Our Third-Party Payment Service Provider.

11. Taxes

11.1 It is the responsibility of Sellers to collect and pay taxes on any sales made through Our Marketplace.

11.2 Where any tax, for example VAT, forms a part of the price of any item on Our Marketplace, the tax must be included in the price of the item.

11.3 If a Seller is VAT registered, they may be required to charge VAT on the items that they sell on Our Marketplace.

11.4 For further information on VAT and other taxes in your location, please contact your local tax authority.

12. Delivery

12.1 Sellers are required to ship items to you as soon as is reasonably possible upon receipt of payment. Unless a Listing states otherwise, or unless you have agreed otherwise with the Seller, the Seller must dispatch items no later than 30 calendar days after the date on which the sale takes place.

12.2 You must provide complete and accurate delivery details to the Seller. If dispatched items do not reach you due to an incorrect address provided by you, it is your responsibility and not the Seller’s.

12.3 Sellers are free to determine the delivery charges for their items; however, delivery charges must be reasonable, not excessive, and genuinely reflect the actual cost to the Seller of delivering the item to you.

12.4 Sellers must also provide a ships-from address, displayed in the Listing, at Checkout and in any confirmation email.

12.5 Different delivery methods may be offered by different Sellers. The final choice of delivery service is to be agreed between you and the Seller.

12.6 Once an item has been dispatched, the Seller will inform you by way of an update to the email address or other contact details you provided at Checkout.

12.7 Our Marketplace allows Sellers to share tracking information with you.

12.8 Sellers are responsible for ensuring that they check, are aware of, and comply with all applicable shipping and customs regulations when shipping items to you.

13. Your Rights to Cancel and Return Items

13.1 If you are a consumer (that is, not a business), you may be entitled to a "cooling-off" period within which you may cancel your contract with a Seller and return an item for any reason. If applicable, the cooling-off period ends 14 calendar days after the day on which you (or someone nominated by you) receive(s) the item.

13.2 The cooling-off period does not apply if: the item is sealed for health or hygiene reasons and you have unsealed it after receiving it; the item consists of sealed audio, video, or software and you have unsealed it; the item is digital content that has been downloaded or accessed; the item is likely to deteriorate quickly; the item has been personalised or made-to-order for you; or the item has been inseparably mixed with another item after you have received it.

13.3 If you wish to exercise your right to cancel during the cooling-off period, you must inform the Seller of your decision within the cooling-off period. We provide a cancellation form on Our Site for convenience. Cancellation by email or post is effective from the date on which you send the Seller your message.

13.4 Items must be returned to the Seller no more than 14 calendar days after the day on which you inform the Seller that you wish to cancel. You will be responsible for the costs of returning items if you cancel under the cooling-off period.

13.5 When you cancel under the cooling-off period, the Seller must issue a refund within 14 calendar days of: (a) the day the Seller receives the item(s) back; (b) the day you inform the Seller (supplying evidence) that you have sent the item(s) back, if earlier; or (c) if the Seller has not yet dispatched the item(s), the day you inform the Seller that you wish to cancel.

13.6 The Seller may make certain limited deductions from refunds under this Clause 13: (a) reducing a refund for diminished value resulting from your excessive handling of an item; and/or (b) only reimbursing standard delivery charges where you have chosen a premium delivery method.

14. Problems with Transactions and Your Rights

14.1 By law, Sellers must provide goods and/or digital content that are/is of satisfactory quality, fit for purpose, as described at the time of purchase, and that match any samples or models shown to you.

14.2 If items do not conform with the requirements outlined in sub-Clause 14.1, you must contact the Seller as soon as reasonably possible. The following remedies are available: (a) a 30-calendar-day right to reject the item(s) for a full refund; (b) if that period does not apply or has expired, a right to request a repair or replacement at the Seller’s cost; (c) if a repair or replacement fails or cannot be carried out, a right to keep the item(s) at a reduced price or to reject them for a refund.

14.3 If you exercise your final right to reject the item(s) more than six months after receiving them, the Seller may reduce any refund to reflect the use you have had of them.

14.4 You will not be eligible to claim under this Clause 14 if: the Seller informed you of the fault before you purchased the item(s); you used the item(s) for an unsuitable purpose not made known to the Seller; or the problem results from normal wear and tear, misuse, or intentional or careless damage.

14.5 Refunds under this Clause 14 must be issued within 14 calendar days of the day on which the Seller agrees you are entitled to a refund, and will include all delivery costs paid by you when the item(s) were originally purchased.

14.6 Further information on legal rights can be obtained from your local Citizens Advice Bureau or Trading Standards Office.

15. Further Transaction Cancellation Rights

15.1 The Seller has the right to cancel a transaction and issue a full refund (including delivery charges) if: you and the Seller have mutually agreed to cancel before or after dispatch/return; you have failed to pay; or the Seller has chosen to refuse service to you.

15.2 Refunds under this Clause must be made within 7 days of the date of the agreed cancellation, or the date the Seller informs you of the cancellation.

16. Your Account Cancellation Rights

16.1 You may close your Account at any time by emailing admin@own4less.co.uk.

16.2 Any outstanding sums due and payable to any Seller(s) will remain payable and your Account will not be fully closed until all sums due have been paid and the relevant transaction(s) completed or cancelled.

17. Our Liability to You

17.1 As stated in Clause 5, We are not a party to any transactions, other relationships, or disputes between Buyers and Sellers, and Our right to intervene in a dispute under Clause 5(b) does not make Us such a party. We make no warranties as to the quality, safety, or legality of any item(s) purchased from Sellers on Our Marketplace. Any claims pertaining to a transaction must be made directly against the Seller concerned.

17.2 We will be responsible for any foreseeable loss or damage that you may suffer as a result of Our breach of these Terms for Buyers or as a result of Our negligence.

17.3 Subject to sub-Clause 17.2, to the fullest extent permissible by law, We will not be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.

17.4 Nothing in these Terms for Buyers seeks to limit or exclude Our liability for death or personal injury caused by Our negligence, or for fraud or fraudulent misrepresentation.

17.5 Nothing in these Terms for Buyers seeks to limit or exclude consumers’ legal rights.

18. Communication and Contact Details

18.1 For matters relating to specific transactions, or issues with items you have purchased, please contact the relevant Seller directly using the details in your confirmation email.

18.2 If you wish to contact Us with general questions or complaints about Our Site, you may contact Us by email at admin@own4less.co.uk, by telephone on 01443 485880, or by post at 5 High Street, Pontypridd CF37 1QJ.

18.3 For matters relating to the performance of Our Site or Our Marketplace, including these Terms for Buyers, Our Terms for Sellers, or Our Privacy Policy, please contact Us using the contact form on Our Site, or by email at admin@own4less.co.uk.

19. Data Protection

19.1 All personal information that We may use will be collected, processed, and held in accordance with the UK GDPR and the Data Protection Act 2018, and your rights under that legislation.

19.2 For complete details of Our collection, processing, storage, and retention of personal data, including our lawful bases, your rights, and how We share personal data — including with Sellers and with Fraud Prevention Agencies for the prevention and detection of fraud — please refer to Our Privacy Policy.

19.3 Sellers will also collect, hold, and process your personal information in the course of transactions (for example, your name, email address, and postal address). Sellers are required to have their own privacy policies in place and are, therefore, also considered data controllers under the UK GDPR.

19.4 You must only use the personal data of other Users to the extent necessary to complete a transaction, communicate about it, or respond to messages. You may not add any User to a mailing list, use their data for marketing, or retain any payment details, without their consent.

19.5 Where We, a Seller, Our Payment Service Provider, or a Fraud Prevention Agency reasonably suspects that a transaction is fraudulent, We may share relevant information about you (including with Sellers and Fraud Prevention Agencies), decline to process a payment, suspend your Account, or refuse to allow a transaction to proceed. Further detail is set out in Our Privacy Policy.

20. Other Important Terms

20.1 We may transfer (assign) Our obligations and rights under these Terms for Buyers to a third party. If this occurs, you will be informed by Us in writing. Your rights will not be affected and Our obligations will be transferred to the third party who will remain bound by them.

20.2 You may not transfer (assign) your obligations and rights under these Terms for Buyers without Our express written permission.

20.3 If any of the provisions of these Terms for Buyers are found to be unlawful, invalid, or otherwise unenforceable, that provision shall be deemed severed and the remainder shall be valid and enforceable.

20.4 No failure or delay by Us in exercising any of Our rights means that We have waived that right.

20.5 We may revise these Terms for Buyers from time to time in response to changes in relevant laws and other regulatory requirements.

21. Law and Jurisdiction

21.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, the law of England & Wales.

21.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in sub-Clause 21.1 above takes away or reduces your rights as a consumer to rely on those provisions.

21.3 If you are a consumer, any dispute, controversy, proceedings or claim between you and Us shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

21.4 If you are a business, any disputes shall be subject to the exclusive jurisdiction of the courts of England & Wales.

Seller Terms of Use

These Terms for Sellers, together with any and all other documents referred to herein, set out the terms under which Users ("Sellers") sell on Our Marketplace. Please read these Terms for Sellers carefully and ensure that you understand them before selling on Our Marketplace. You will be required to read and accept these Terms for Sellers when you first use Our Marketplace. If you do not agree to comply with and be bound by these Terms for Sellers, you will not be able to sell on Our Marketplace. These Terms for Sellers, as well as any and all contracts, are in the English language only.

1. Definitions and Interpretation

1.1 In these Terms for Sellers, unless the context otherwise requires, the following expressions have the following meanings:

(a) "Account" means an account required to access and/or use certain areas of Our Site, including Our Marketplace;

(b) "Buyer" means a User who makes a purchase on Our Marketplace;

(d) "Listing" means a listing on Our Marketplace advertising an item or items for sale;

(e) "Listing Fee" means a fee payable for submitting and/or renewing a Listing;

(f) "Marketplace" means Our platform for Buyers and Sellers on Our Site;

(g) "Marketplace Fee" means the element of the Transaction Fee that We charge for the use of Our Marketplace, which is subject to VAT — see Clause 10;

(h) "Our Site" means this website, www.own4less.co.uk;

(i) "Payment Gateway Processing Fee" means the element of the Transaction Fee that reflects the cost of processing payment through Our Payment Service, which is exempt from VAT — see Clause 10;

(j) "Payment Service" means the payment service provided by Ryft Pay, or by any other Payment Service Provider that We may appoint from time to time;

(k) "Payment Service Account" means an account for the holding of funds provided as part of the Payment Service and administered by the Third-Party Payment Service Provider;

(l) "Seller" means a User who sells on Our Marketplace;

(m) "Third Party Payment Service Provider" means Ryft Pay, or any other Payment Service Provider that We may make available to Sellers and Buyers on Our Site from time to time;

(n) "Transaction Fee" means the single fee applied to each sale made on Our Marketplace, comprising the Payment Gateway Processing Fee and the Marketplace Fee (inclusive of any VAT chargeable on the Marketplace Fee), as further described in Clause 10;

(o) "User" means a user of Our Site;

(p) "User Content" means any Content added to Our Site by a User; and

(q) "We/Us/Our" means Nosco Management Solutions Ltd, a limited company registered in England under company number 07953780, whose registered address is 5 High Street, Pontypridd CF37 1QJ.

2. Information About Us

2.1 Our Site is owned and operated by Nosco Management Solutions Ltd.

2.2 Our Site is available to other businesses who subscribe to be able to offer products for sale on Our Site, subject to Our Seller verification process (Clause 3.5).

3. Access to and Use of Our Site

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend, or discontinue Our Site (or any part of it) at any time and without notice. Subject to the remainder of these Terms for Sellers, We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

3.4 Use of Our Site is also subject to Our General Terms of Use and Terms for Buyers. Please ensure that you have read them carefully and that you understand them.

3.5 Seller verification. Before you are permitted to list any item on Our Marketplace, We will carry out a verification process to confirm that you are an established UK-registered business. We may ask you to provide, and We may independently check, information including your company registration details, trading address, VAT registration (if applicable), and identity information for your business’s owners or directors, and We may use Fraud Prevention Agencies to assist with this (see Clause 24 and Our Privacy Policy). We may decline to verify, or may suspend or withdraw the verified status of, any prospective or existing Seller at Our reasonable discretion.

4. Age Restrictions

You may only sell on Our Marketplace if you are at least 18 years of age, and, where you sell on behalf of a business, you must be duly authorised to bind that business.

5. Our Marketplace

(a) Buyers are not making purchases from Us and are not entering into a contract with Us. A Buyer’s purchase is from you, and their contract is with you;

(b) We will not be a party to any dispute between you and any Buyer or another Seller, and any claims must be made directly against the party concerned. However, We reserve the right — but are under no obligation — to intervene in any such dispute, including by investigating the matter, requesting information or evidence from either party, facilitating communication between the parties, or taking any action available to Us under these Terms for Sellers (such as suspending a Listing or an Account under Clause 20), where We consider this necessary or appropriate to uphold the integrity, safety, or reputation of Our Marketplace. Any such intervention is undertaken entirely at Our discretion, does not make Us a party to the dispute or to the underlying contract between you and the Buyer or other Seller, and does not affect Our position under this Clause 5 or Our liability position under Clause 21;

(c) Save for Our verification process under Clause 3.5, We do not pre-screen Sellers or any items that you advertise in Listings on Our Marketplace, and We are not, therefore, responsible for any items sold or for the content of any Listings; and

(d) While you are required to comply with these Terms for Sellers, which include provisions covering important matters such as payment methods, processing times, and delivery methods, We recognise that all Sellers are different and may not process transactions within the same time frame, or offer the same delivery methods (or prices).

6. What Can and Cannot be Sold on Our Marketplace

6.1 The following are permitted on Our Marketplace: new and used consumer goods and other items, subject to the restrictions below.

6.2 The following are not permitted on Our Marketplace, and any Listing for such items may be removed without notice:

(a) items of pornography;

(b) firearms, ammunition, explosives, offensive weapons, and replica or imitation weapons;

(d) items that are restricted for sale by law (other than by age restriction) or that require a specific licence, permit, or registration for sale which you do not hold;

(e) age-restricted items (including alcohol, tobacco and vaping products, and knives) unless you hold all licences required by law and operate suitable age-verification checks at the point of sale and delivery;

(f) prescription-only or pharmacy medicines, and any item subject to recall or safety notice by a UK regulator or Trading Standards;

(g) stolen goods, or goods you do not have good title to sell;

(h) live animals;

(i) hazardous, flammable, corrosive, or toxic substances not suitable for consumer sale or delivery by ordinary courier;

(j) counterfeit, replica, or unauthorised-branded goods, or goods that otherwise infringe a copyright, trademark, patent, or other intellectual property right;

(k) items that are offensive or promote racism, terrorism, or other illegal acts; and

(l) any other item which We reasonably believe may cause reputational, legal, or regulatory harm to Our Site or to Buyers.

6.3 The list of prohibited and restricted items at sub-Clause 6.2 is not exhaustive, and We may update it from time to time by notice on Our Site to reflect Our current category rules. The Seller acknowledges that We may remove any Listing under this Clause 6 at Our absolute discretion.

6.4 We reserve the right to remove any Listing that breaches the provisions of this Clause 6. In addition, We may also suspend or terminate your Account. All sums due will remain due and payable notwithstanding any suspension or termination for any reason.

7. Descriptions Policy

When selling on Our Marketplace, it is important that all descriptions of items are truthful and accurate, and that all visual representations are true representations of what you are selling. You agree that all Listings submitted by you will comply with the following: if an item is not new, it must not be described as such; if an item is used, the description must give as much detail as is reasonably possible about the grade of the item, its age, its condition, and any damage or defects; if an item is not in full working order, it must be clearly described as such, stating "For spares or Repair" and describing the specific fault(s); if an item is not original, it must not be described as such; you may only describe something as being made or done by you if that is truly the case; photographs must be of what you are selling and give a true representation of the item, including any wear or defect, save that for multiples of the same item you need not photograph every unit provided your description makes this clear; your Listing must include delivery costs, or reasonable estimates, where possible; and for made-to-order or customised items, you must provide full details of the options, pricing, and reasonable estimated timescales available to Buyers.

8. Intellectual Property Rights

8.1 The provisions of Clause 5 of Our General Terms of Use apply to all User Content submitted to Our Site, including any and all User Content submitted to Our Marketplace in Listings.

8.2 Sellers must, at all times, respect the intellectual property rights of other Sellers on Our Marketplace. Under no circumstances may you use intellectual property belonging to another party without that party’s express permission.

8.3 If you feel that another User has infringed your intellectual property rights in any way, please contact Us at admin@own4less.co.uk. If another party contacts Us accusing you of infringing their intellectual property rights, We will contact you, may remove the User Content that is the subject of the complaint, and will not be a party to any dispute concerning the intellectual property.

8.4 Notwithstanding the restrictions in this Clause 8, We will make available to Sellers historical listing information to use as templates for listing identical or similar items. We do not guarantee the accuracy of such templates and it is the Seller’s responsibility to check accuracy. Sellers consent to the use of Listings they create for this purpose.

9. Seller Rules and Acceptable Usage Policy

9.1 When using Our Marketplace, you must do so lawfully, fairly, and in a manner that complies with the provisions of this Clause 9. Specifically, you must: comply fully with all applicable laws and regulations, including any applicable to the item(s) you wish to sell; ensure any second-hand electronic items have been appropriately wiped and reset so that all historical content, including personal data and passwords, is permanently erased; use reasonable endeavours to ensure products are physically cleaned and prepared to uphold the reputation of Our Marketplace; not use Our Marketplace unlawfully or fraudulently; not knowingly transmit any virus or other malware; not use Our Marketplace to harm any person; always provide accurate, honest information about yourself and your items; not charge excessively for delivery; and state the price of an item accurately and clearly, and not change it in order to avoid paying the applicable Transaction Fee.

9.2 When using Our Marketplace, you must not submit anything (including in a Listing) or otherwise do anything that is sexually explicit, obscene, deliberately offensive, hateful or inflammatory; promotes violence or unlawful activity; is discriminatory or defamatory; is intended to threaten, harass, or embarrass another person; is deceptive; infringes another person’s privacy rights or misuses their personal data; misleadingly impersonates any person; implies affiliation with Us where none exists; infringes another party’s intellectual property rights; or breaches any legal duty owed to a third party.

9.3 We reserve the right to suspend or terminate your access to Our Marketplace if you materially breach the provisions of this Clause 9 or any other provision of these Terms for Sellers. Further actions We may take include removing your Listing(s), issuing a written warning, legal proceedings for reimbursement of relevant costs on an indemnity basis, further legal action, disclosure to law enforcement authorities, and any other reasonable and lawful action.

9.4 We hereby exclude any and all liability arising out of any actions that We may take in response to breaches of these Terms for Sellers.

10. Fees

10.1 Listing Fees of £0.00 are currently charged when submitting a new Listing and/or when renewing an existing Listing.

10.2 Listing Fees are payable whether or not your Listing results in a sale.

10.3 A single Transaction Fee currently applies to each sale, calculated on the total price paid at Checkout (which may include the delivery charge). The rate currently charged is 2.5% of that total price, plus 20p.

10.4 Although you are charged one single Transaction Fee, it is made up of two elements: (a) the Payment Gateway Processing Fee, being the cost of processing your payment through Our Payment Service, which is exempt from VAT; and (b) the Marketplace Fee, being Our fee for the use of Our Marketplace, which is subject to VAT at the prevailing rate. The VAT charged on the Marketplace Fee is included within, and forms part of, the single Transaction Fee — you will not see or be charged a separate, additional VAT line for it.

10.5 Your monthly VAT invoice under Clause 13.2 will itemise the Payment Gateway Processing Fee, the Marketplace Fee, and the VAT charged on the Marketplace Fee separately, so that you can see how the Transaction Fee for each sale is made up.

10.6 We may change the rate of, or method of calculating, the Listing Fee or Transaction Fee (including the split between its component elements) from time to time by giving you reasonable notice. If any such change is to your material disadvantage, you may cancel as set out in sub-Clause 19.3.3.

10.7 Any and all actions designed to avoid the payment of any fees described in these Terms for Sellers are strictly prohibited.

11. Payment Service

11.1 All payments on Our Marketplace are made through the Payment Service provided by Our Third-Party Payment Service Provider — currently Ryft Pay, or any other Payment Service Provider We may make available on Our Site from time to time.

11.2 Your use of the Payment Service requires an account with the Third-Party Payment Service Provider and will be subject to its own terms and conditions and privacy policy. You will be required to read and accept those terms and conditions and privacy policy before taking payments from Buyers on Our Marketplace.

11.3 By using the Payment Service, you acknowledge and agree to Us sharing your personal information and/or information about your transactions on Our Marketplace with the Third-Party Payment Service Provider, and, where relevant, with Fraud Prevention Agencies for the prevention and detection of fraud (see Clause 24).

11.4 The Payment Service works with credit and debit cards as supported by the Payment Service Provider, and such other payment methods as the Payment Service Provider may support from time to time.

11.5 If We receive notice from the Third Party Payment Service Provider that your use of Our Marketplace or the Payment Service is in breach of their terms or of any agreement between you and them, We may take actions including those necessary to rectify your breach, removing your ability to use the Payment Service, and/or the suspension or termination of your Account.

11.6 The Third-Party Payment Service Provider reserves the right to refuse the use of the Payment Service to anyone, for any reason, and at any time.

12. Payments from Buyers

12.1 All payments are processed using the Payment Service described above in Clause 11.

12.2 You may choose to allow Buyers to pay you using some or all of the payment methods listed above in sub-Clause 11.4.

12.3 When a Buyer pays for an item, their payment will be credited to your Payment Service Account or transferred directly into your designated bank account within the timescale specified by the relevant Payment Service Provider.

12.4 If a Buyer does not pay, you may cancel the transaction. Please refer to Clause 18 for more information on your cancellation rights.

12.5 We will not make any Buyers’ payment details available to you at any time, or for any reason. All payment details are held securely and shared only with Our Third-Party Payment Service Provider.

13. Payments to Us

13.1 The Transaction Fee due to Us in accordance with Clause 10 will be deducted from the remittance paid to you following each sale.

13.2 We will send you a VAT invoice by email each month showing all transactions, the Transaction Fee charged on each (broken down into the Payment Gateway Processing Fee, the Marketplace Fee, and the VAT charged on the Marketplace Fee, per Clause 10.5), and the total amounts due to Us.

13.3 All sums due must be paid in full within 30 days of the date of Our invoice, without set-off, counterclaim, deduction, or withholding (except where required by law).

13.4 We accept payment for invoices by BACS.

13.5 If you do not make any payment due to Us on time, We reserve the right to suspend any Listings you have on Our Marketplace and may, in addition, suspend or terminate your Account. All sums due will remain due and payable notwithstanding any suspension or termination for any reason.

13.6 If you believe that We have charged you an incorrect amount, please contact Us at admin@own4less.co.uk as soon as reasonably possible.

14. Taxes

14.1 It is your responsibility to collect and pay applicable taxes on any sales made through Our Marketplace.

14.2 Where any tax, for example VAT, forms a part of the price of any item on Our Marketplace, the tax must be included in the price of the item.

14.3 VAT is charged to Sellers on the Marketplace Fee element of the Transaction Fee payable to Us, at the prevailing rate; the Payment Gateway Processing Fee element is exempt from VAT — see Clause 10.

14.4 If you are VAT registered, you may be required to charge VAT on the items that you sell on Our Marketplace.

14.5 For further information on VAT and other taxes in your location, please contact your local tax authority.

15. Delivery

15.1 You must dispatch items as soon as is reasonably possible upon receipt of payment from a Buyer under Clause 12. Unless your Listing states otherwise, or the Buyer has agreed otherwise, you must dispatch items no later than 2 working days after the date on which the sale takes place.

15.2 You must ensure that you dispatch items to the correct address provided by the Buyer. If items dispatched do not reach the Buyer due to an incorrect address provided by the Buyer, it is the Buyer’s responsibility and not yours.

15.3 You are free to determine the delivery charges for your items; however, delivery charges must be reasonable, not excessive, and must genuinely reflect the actual cost to you of delivering the item to the Buyer.

15.4 You must provide an accurate ships-from address in any Listings that you make.

15.5 You are responsible for delivering items to Buyers upon receipt of payment, whether personally, by arranging Buyer collection, or using a postal or delivery service.

15.6 It is strongly recommended that you obtain a tracking reference or proof of postage or dispatch when dispatching items.

15.7 Once an item has been dispatched, you must inform the Buyer, which Our Marketplace enables by way of a system-generated email once you flag an item as dispatched. You must not describe an item as dispatched until it actually has been.

15.8 Our Marketplace allows you to share tracking information obtained from a postal or delivery service with Buyers. By sharing such information, you give Us permission to collect, use, and share it with the Buyer.

15.9 You must comply with any and all applicable shipping and customs regulations when delivering items to Buyers.

16. Buyers’ Rights to Cancel and Return Items

16.1 Buyers who are consumers may be entitled to a "cooling-off" period within which they may cancel their contract with you and return an item for any reason. If applicable, the cooling-off period ends 14 calendar days after the day on which the Buyer (or someone nominated by the Buyer) receives the item.

16.2 The cooling-off period does not apply if: the item is sealed for health or hygiene reasons and the Buyer has unsealed it; the item consists of sealed audio, video, or software and the Buyer has unsealed it; the item is digital content that has been downloaded or accessed; the item is likely to deteriorate quickly; the item has been personalised or made-to-order for the Buyer; or the item has been inseparably mixed with another item after the Buyer has received it.

16.3 If a Buyer exercises their right to cancel during the cooling-off period, they must inform you of that decision within the cooling-off period, and We provide a cancellation form on Our Site for their convenience.

16.4 Items must be returned to you by the Buyer no more than 14 calendar days after the day on which the Buyer informs you that they wish to cancel. The Buyer will be responsible for the costs of returning items if they cancel under the cooling-off period.

16.5 When a Buyer cancels under the cooling-off period, you must issue a refund equivalent to the price paid for the items and the standard carriage cost, within 14 calendar days of: (a) the day you receive the item(s) back; (b) the day the Buyer informs you (supplying evidence) that they have sent the item(s) back, if earlier; or (c) if you have not yet dispatched the item(s), the day the Buyer informs you that they wish to cancel.

16.6 You may make certain limited deductions from refunds under this Clause 16: (a) reducing a refund for diminished value resulting from the Buyer’s excessive handling; and/or (b) only reimbursing standard delivery charges where the Buyer chose a premium delivery method.

17. Problems with Transactions and Buyers’ Rights

17.1 By law, you must provide goods and/or digital content that are/is of satisfactory quality, fit for purpose, as described at the time of purchase, and that match any samples or models shown to the Buyer.

17.2 If items do not conform with the requirements outlined in sub-Clause 17.1, the Buyer must contact you as soon as reasonably possible. The following remedies are available to the Buyer: (a) a 30-calendar-day right to reject the item(s) for a full refund; (b) if that period does not apply or has expired, a right to request a repair or replacement at your cost; (c) if a repair or replacement fails or cannot be carried out, a right to keep the item(s) at a reduced price or to reject them for a refund.

17.3 If the Buyer exercises the final right to reject the item(s) more than six months after receiving them, you may reduce any refund to reflect the use the Buyer has had of them.

17.4 The Buyer will not be eligible to claim under this Clause 17 if: you informed the Buyer of the fault before purchase; the Buyer used the item(s) for an unsuitable purpose not made known to you; or the problem results from normal wear and tear, misuse, or intentional or careless damage.

17.5 Refunds under this Clause 17 must be issued within 14 calendar days of the day you agree the Buyer is entitled to a refund, and must include all delivery costs paid by the Buyer when the item(s) were originally purchased.

17.6 Further information on legal rights can be obtained from your local Citizens Advice Bureau or Trading Standards Office.

18. Further Transaction Cancellation Rights

18.1 You have the right to cancel a transaction and issue a full refund of any sums paid (including delivery charges) if: you and the Buyer have mutually agreed to cancel before or after dispatch/return; the Buyer has not paid; or you have chosen to refuse service to the Buyer.

18.2 Refunds must be made within 48 hours of the date of the agreed cancellation, or the date you inform the Buyer of the cancellation.

19. Your Account Cancellation Rights

19.1 You may close your Account and cancel your agreement with Us by emailing admin@own4less.co.uk.

19.2 Any outstanding sums due and payable to Us (including Listing Fees and Transaction Fees) will remain payable by the original due date, and your Account will not be fully closed until all sums due to Us have been paid.

19.3 You may be entitled to cancel and receive a refund of certain sums paid for services not provided to you, and may also be entitled to compensation, where: (a) We have breached these Terms for Sellers in a material way and fail to remedy the breach within 28 days of you asking Us in writing to do so; (b) We go into liquidation or have a receiver or administrator appointed over Our assets; (c) We change Our service or these Terms for Sellers (including the Fees under Clause 10) to your material disadvantage; or (d) We are adversely affected by an event outside Our control that continues for more than 14 days (sub-Clause 22.2.5).

20. Our Intervention and Cancellation Rights

20.1 In order to uphold and maintain the reputation of Our Site, We reserve the right to suspend or remove any Listings that breach the requirements set out in Clause 4 or Clause 6, or that do not meet an acceptable standard in terms of description or imagery.

20.2 We reserve the right to suspend or terminate this Agreement in the case of repeated breaches of this Agreement; repeated complaints from Buyers; repeated late deliveries; excessive refunds; confirmed instances of fraud identified through Our processes under Clause 24; or for any other reason We believe is damaging to the reputation of Our Site.

20.3 We reserve the right to prevent any Seller from listing items or using Our Marketplace for any reason whatsoever at Our absolute discretion.

20.4 As set out in Clause 5(b), We also reserve the right to intervene in disputes between Users where We consider this necessary or appropriate to uphold the integrity, safety, or reputation of Our Marketplace, using any of the tools described in this Clause 20 or otherwise available to Us under these Terms for Sellers.

21. Our Liability to You

21.1 As stated in Clause 5, We are not a party to any transactions, other relationships, or disputes between Buyers and Sellers, and Our right to intervene in a dispute under Clause 5(b) or Clause 20.4 does not make Us such a party.

21.2 We will be responsible for any foreseeable loss or damage that you may suffer as a result of Our breach of these Terms for Sellers or as a result of Our negligence.

21.3 Subject to sub-Clause 21.2, to the fullest extent permissible by law, We will not be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.

21.4 Nothing in these Terms for Sellers seeks to limit or exclude Our liability for death or personal injury caused by Our negligence, or for fraud or fraudulent misrepresentation.

21.5 Nothing in these Terms for Sellers seeks to limit or exclude consumers’ legal rights.

22. Events Outside of Our Control (Force Majeure)

22.1 We will not be liable for any failure or delay in performing Our obligations to you where that failure or delay results from any cause beyond Our reasonable control.

22.2 If such an event occurs that is likely to adversely affect Our performance: (1) We will inform you as soon as reasonably possible; (2) Our obligations will be suspended and any time limits extended accordingly; (3) We will inform you when the event is over; (4) if it continues for more than 14 days We may suspend all Listings and/or temporarily close Our Site; and (5) if it continues for more than 14 days, you may exercise your right to cancel under sub-Clause 19.3.4.

22.3 If you wish to exercise your right to cancel under sub-Clause 22.2.5, you may do so by emailing admin@own4less.co.uk, by telephone on 01443 485880, or by post to 5 High Street, Pontypridd CF37 1QJ. Any refunds due will be paid as soon as reasonably possible and, in any event, no later than 14 calendar days after your Account is cancelled.

23. Communication and Contact Details

If you wish to contact Us with general questions or complaints, you may contact Us by telephone on 01443 485880, by email at admin@own4less.co.uk, or by post at 5 High Street, Pontypridd CF37 1QJ.

24. Data Protection

24.1 All personal information that We may use will be collected, processed, and held in accordance with the UK GDPR and the Data Protection Act 2018, and your rights under that legislation.

24.2 For complete details of Our collection, processing, storage, and retention of personal data, the purpose(s) for which it is used, Our lawful basis or bases, your rights, and personal data sharing (including for fraud-prevention purposes), please refer to Our Privacy Policy.

24.3 As a Seller, you will also collect, hold, and process Buyers’ personal information in the course of transactions (for example, buyers’ names, email addresses, and postal addresses). You must have your own privacy policy in place to govern your collection, processing, and holding of Buyers’ personal data. Sellers are, therefore, also considered data controllers under the UK GDPR and are responsible for complying with their own legal obligations and protecting Buyers’ rights. You must only use the personal data of other Users to the extent necessary to complete a transaction, communicate about it, or respond to messages. You may not add any User to a mailing list or use their data for marketing without their prior consent. You may not retain any Buyers’ payment details. You may only use another User’s personal data for additional purposes with their consent.

24.4 Fraud prevention. In order to protect Our Marketplace, Buyers, and other Sellers from fraud, money laundering, and other financial crime, We, Our Payment Service Provider, and any Fraud Prevention Agency We or they engage may share information about you and your transactions with each other, and with you as a Seller where this is reasonably necessary to verify a transaction, investigate a suspected fraudulent order, or prevent loss. This processing is carried out on the basis of Our legitimate interests and the substantial public interest in the prevention and detection of crime. Where you receive personal data from Us or a Fraud Prevention Agency for this purpose, you must only use it for the fraud-prevention purpose for which it was shared, keep it secure, and not retain it for longer than necessary. Further detail, including your and Buyers’ rights, is set out in Our Privacy Policy.

24.5 If a Seller and Us are found to be joint data controllers of any Buyers’ personal data, and We are sued, fined, or otherwise incur any expense because of something you have done with a Buyer’s personal data, you agree to indemnify Us for any expenses incurred by Us in connection with your actions in respect of that personal data. Further details of the requirements of the UK GDPR can be obtained from the Information Commissioner’s Office.

25. Other Important Terms

25.1 We may transfer (assign) Our obligations and rights under these Terms for Sellers to a third party. If this occurs, you will be informed by Us in writing. Your rights will not be affected and Our obligations will be transferred to the third party who will remain bound by them.

25.2 You may not transfer (assign) your obligations and rights under these Terms for Sellers without Our express written permission.

25.3 If any of the provisions of these Terms for Sellers are found to be unlawful, invalid, or otherwise unenforceable, that provision shall be deemed severed and the remainder shall be valid and enforceable.

25.4 No failure or delay by Us in exercising any of Our rights means that We have waived that right.

25.5 We may revise these Terms for Sellers from time to time in response to changes in relevant laws and other regulatory requirements. If any changes are to your material disadvantage, you may cancel as set out in sub-Clause 19.3.3.

26. Law and Jurisdiction

26.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, the law of England & Wales.

26.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in sub-Clause 26.1 above takes away or reduces your rights as a consumer to rely on those provisions.

26.3 If you are a consumer, any dispute, controversy, proceedings or claim between you and Us shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

26.4 If you are a business, any disputes shall be subject to the exclusive jurisdiction of the courts of England & Wales.