Terms and Conditions
General Terms and Conditions of Sale
Pay Smart Carpets Ltd. Trading as Pay Smart Home
4th September 2024
Terms Overview
Thank you for choosing Pay Smart Home (referred to as ‘Pay Smart’, ‘we’, ‘us’, or ‘our’ in these terms and conditions). We are committed to providing you with a great shopping experience and take our responsibilities to our customers seriously. These terms and conditions apply to all purchases made from us and have been designed to be clear and easy to understand. If you have any questions about these terms or how they apply to your order, please don't hesitate to contact us using the details provided below:
- Phone: 0330 041 2999
- Email: hello@paysmarthome.com
- Post: 251 Europa Blvd, Westbrook, Warrington. WA5 7TN
These terms and conditions (referred to as ‘Terms’) apply to all purchases made from us. Please review them carefully, as you must agree to these Terms before placing an order. References to ‘you’ or ‘your’ in these Terms refer to the person reading them or making a purchase. These Terms apply to orders placed through the Pay Smart Home Website, or through Websales, the telephone sales department and do not affect your statutory rights.
We may, from time to time, change and update these Terms to ensure that they remain current, comply with legal requirements, and protect both parties. Any changes we make to these Terms will take effect as soon they are published on our website and will not apply retrospectively to any Orders placed prior to them coming into effect.
By using and placing orders through the Website or via Websales, you confirm that you accept these Terms and that you agree to comply with them.
1. Definitions
1.1. Throughout these terms we use words with the first letter capitalised. Where we do this it’s to indicate that the word in question has a very specific meaning. The table below outlines what each of these words are, and the meaning that they have in these terms.
| "Bespoke Items" and "Made to Measure Items" | Goods which are made-to-measure or made to your specifications, custom-made or made-to-measure, or otherwise customised or personalised. |
| "Contract" | The legally binding contract for the purchase and sale of the Goods through the Website and Websales. |
| "Goods" | Any products which we make available for sale through the Website or Websales. |
| "Event(s) Outside Our Control" | Any act or event beyond our reasonable control which may hinder or prevent production or delivery of your Goods. These acts and events may include, but aren’t restricted to, supply chain issues, strikes, lock-outs or other industrial action, war (whether declared or not) or threat or preparation for war, natural disasters, pandemics, lack of availability of raw materials or production capacity, and/or failure of public or private telecommunications networks. |
| "Order" | An order for Goods which you submit to us through the Website using our online ordering system, or by placing a purchase over the phone through Websales. |
| “Snap Finance” | Snap Finance Ltd, the provider of a credit facility. |
| “Lender” | Any provider of credit facilities available on our Website or Websales. This includes, but is not limited to, companies authorised and regulated by the Financial Conduct Authority that offer credit to customers for purchases made from us. |
| “Supplier” | Any provider of goods or services available for purchase on our Website or Websales. This includes, but is not limited to, manufacturers, distributors, or vendors who offer products to customers through our platform. |
| “Website” | The Pay Smart Home website found at www.paysmarthome.com. |
| “Websales” | The Pay Smart Home telephone sales department. |
2. Placing an Order
2.1. After selecting the items you wish to purchase, you must complete the checkout process on our Website. This requires providing accurate details such as your name, contact information, delivery and billing addresses, and payment information. Please review your basket to ensure you're satisfied with your selections before clicking the ‘Place Order’ button. It's important to verify that all the information you provide is correct. While we will make every effort to address any errors, we cannot guarantee that changes can be made, and we accept no liability for issues arising from inaccurate information.
2.2. Prior to placing your Order you will need to have read, and agreed to, these Terms. If you do not agree to these Terms you must not proceed. These Terms will apply to you once you have confirmed, by selecting “Pay now”, “Place order”, “Pay with PayPal” or any other applicable payment option that you have read and agreed to these Terms.
2.3. We recommend that you print and retain a copy of these Terms for future reference. If you have any questions relating to these Terms please contact us by email or call us free of charge on 0330 041 2999 for further assistance.
2.4. We do not sell to individuals under the age of 18 and reserve the right to verify your age before accepting any Order. Additionally, to protect our customers and business from fraud, we reserve the right to request confirmation of your identity and or address if we suspect an Order may be fraudulent. Failure to provide satisfactory proof of age, identity or address may result in the cancellation of your Order.
2.5. We only sell and ship to customers within the United Kingdom, subject to geographical restrictions. For more details, please refer to our delivery policy at https://paysmarthome.com/pages/delivery.
2.6. Shipping charges will be calculated during the checkout process on the Website. Please note that certain products cannot be shipped to some of the remote parts of the United Kingdom. If this applies to your order, the Website will notify you during the purchase process where possible. Alternatively, we will contact you to inform you where this applies.
2.7. We do not sell business to business. If we have reason to believe that you are making a purchase from us, not as a consumer, but as a business, we reserve the right to reject your order and we will have no liability to you arising from this decision.
2.8. By placing an Order you are making us an offer to purchase the Goods in the Order. We do not have to accept this offer. If we do not accept your Order we will tell you that we have done so, but do not have to explain why. If we have taken any form of payment from you prior to rejecting your Order we will refund all money paid without delay and, in any event, within 30 days.
2.9. If we accept your Order we will send to you, via email, an Order Confirmation. Please review this carefully to ensure that it reflects what you have Ordered and, if you are ordering any Bespoke Items, or Made to Measure Items, the bespoke elements, or measurements, are correct. A binding contract, on these Terms, only comes into existence upon us providing you with the Order Confirmation.
2.10. We reserve the right to alter the Goods or the specification of the Goods at any point prior to them being despatched if we are required to do so by law. If this happens, we will notify you as soon as possible. We will not process your Order until you have confirmed your wish to proceed.
2.11. If, following us confirming that we accept your Order, you wish to make any changes, please get in contact with us and we will do what we can to accommodate this. Except for where you are exercising your rights of cooling-off (as described below) we cannot guarantee that we can accommodate any specific request or change and will have no liability to you if we cannot. If the request relates to the bespoke, or made to measure, elements of any Bespoke Items, or Made to Measure Items we may be unable to agree to the changes, or may have to charge you extra money, if our suppliers have already started manufacturing your Goods using this information.
3. Price and Payment
3.1. All prices for Goods listed on our Website are inclusive of any VAT.
3.2. We try our best to ensure that the prices on our Website are correct. Mistakes can happen, though, and if at any time during the order process we notice that Goods you have ordered are priced incorrectly what we do depends on the nature of the mistake.
3.3. If the actual price of the Goods is higher than what was stated on the Website and in your Order, we will cancel your Order and refund any money that you have paid up to that point. We will explain to you why this has happened, and you will have the opportunity to purchase the Goods at the correct, higher, price.
3.4. If the actual price of the Goods is lower than what was stated on the Website and in your Order, we will notify you of this and refund you the difference between the price you have paid, and the correct, lower, price that you should have paid.
3.5. Any promotional offers or discounts apply only during the specified promotion period and are subject to the terms of that promotion. If we identify any pricing errors during the checkout process, we will notify you as soon as possible. We reserve the right to cancel any orders placed at an incorrect price and refund any payments made.
3.6. We offer two ways of paying for your Goods, paying upfront, or paying using credit. Details of both methods are outlined below.
3.7. You can pay for your Goods, in full, up front. The price payable, including any delivery charges, will be indicated at the ordering stage of the order process. We accept payment from all major credit and debit cards.
3.8. All credit and debit card payments that are made on our Website are protected by a secure connection. This secure connection ensures that your credit and debit card is encrypted prior to transfer to the bank for authorisation.
3.9. As an additional security measure, no credit or debit card details submitted online are stored directly by us once your Order has been processed. They may be stored in encrypted form by our payment providers.
3.10. Alternatively, you may choose to pay for your Order via credit. This allows you to pay for the Goods in instalments over an agreed period of time. Depending on the credit terms, you may either pay interest on the total value of the Goods or opt for an interest-free arrangement, if available.
3.11. We work with multiple Lenders including Snap Finance. Pay Smart Carpets Ltd acts as an Introducer Appointed Representative of Snap Finance. This means that it’s not actually us assessing your credit history or making any decisions regarding whether to provide you with credit or not. This responsibility is at the Lenders sole discretion, and we have no liability to you if they do not offer you credit for your purchase, or if the terms of any credit offered are not what you were wanting or expecting.
3.12. If you wish to make payment for your Order via credit then you should select this option during the checkout process. You will be redirected to the Lenders credit application process, which is hosted by the Lender.
3.13. You must complete the Lender's credit application process, providing all requested information. The Lender may perform several checks, including credit, identity, address, and income verification, to assess the credit they are willing to offer, if any. Please refer to the Lender's published information for further details on these checks.
3.14. If the Lender rejects your credit application, you will be notified and redirected back to our Website, where you will have the option to select an alternative payment method or choose not to proceed with your Order.
3.15. If the Lender offers you credit then you must review the offer and ensure you are happy with it, and can afford it, prior to accepting the offer. Once you have accepted the offer you will be entering into a contract with the Lender for the finance provided, and you will pay the Lender directly on an ongoing basis.
3.16. The Lender will notify us once you have accepted their offer of credit and this will then trigger us sending to you your Order Confirmation. The Lender will then pay us for the value of the Goods they are financing, and we will continue with providing you with your Goods in accordance with these Terms.
3.17. If you fail to pay any instalment due to the Lender, this may affect your credit record. If you have concerns about your ability to make payments, you must contact the Lender directly to discuss the matter. Once your Goods have been delivered, our contractual obligations to you are complete, except for any warranty issues that may arise, and we will be unable to assist further.
4. Delivery
4.1. We aim to deliver the Goods in your Order as soon as we can after we have sent your Order Confirmation.
4.2. The costs of your delivery will be clearly shown during the Order process.
4.3. We will send you an email to confirm when the Goods in your Order have been despatched and will, if possible, provide you with tracking information so that you know when to expect delivery.
4.4. Some Goods in your Order may be fulfilled directly by our Suppliers through a supplier-direct shipping arrangement. In these cases, the Supplier will handle the delivery of the Goods to you. Delivery times and methods may vary depending on the Supplier, and tracking information will be provided where available. Please note that Goods shipped directly from Suppliers may arrive separately from other items in your Order. Any specific delivery terms for Supplier-shipped items will be communicated to you during the Order process. If you have any questions regarding delivery, we encourage you to contact us as indicated in the order confirmation.
4.5. If your Order comprises a number of different Goods your delivery may be completed in a number of instalments. If any additional delivery charges are due this will be clearly shown during the Order process. In some cases, depending on your location, our delivery partners may incur additional costs that surpass our standard delivery charges. Although these extra fees might not be visible during the checkout process, we assure you of our commitment to promptly inform you of any such charges. Before we proceed with your order, we will reach out to you to detail any additional fees and obtain your approval.
4.6. Some deliveries will require pre-booking and must be signed for, while others will be dispatched via courier services. If you are unavailable when our delivery partners, or our Suppliers or their delivery partners, attempt delivery, they may leave a card, send an email, or text message with contact details for you to arrange a new delivery date. If delivery is attempted on multiple separate occasions and you are not available to accept it, your order may be cancelled, and we will refund any payments made, minus the delivery or return shipping costs.
4.7. In cases where multiple delivery attempts fail, we reserve the right to charge an additional delivery fee to cover the costs of redelivery. Where we offer "Free Delivery" or “Delivery Included”, it applies only to the first delivery attempt. If further delivery attempts are required, and we incur additional charges from our delivery partners, we reserve the right to pass these costs on to you. Any additional fees will be clearly communicated to you before scheduling further deliveries.
4.8. Premium Delivery Services: For certain Goods, our Suppliers, their contractors, courier services, or authorised representatives may contact you to offer an enhanced ‘Premium, Expedited Delivery or Installation/Unpacking Service’ for an additional fee. Any charges for this service will be outlined to you directly by the Supplier. Payment for this service should be made directly to the Supplier. If you choose to use this service, the Supplier or their representative is responsible for providing the agreed-upon service (subject to access). You may be required to sign once the service is complete to confirm your satisfaction.
4.9. Premium Delivery or Installation Limitations: The Supplier's Premium Delivery Service team is limited to basic setup tasks, such as plugging electrical items into existing wall sockets. They will not perform any electrical work beyond this, nor will they install or handle gas mains. If the Goods require additional electrical or gas installation, it is your responsibility to arrange for professional assistance at your own expense.
4.10. Disclaimer: Please note that any Premium Delivery or Installation Service is provided directly by the Supplier, and we are not responsible for any issues or failures related to the service. If you encounter any problems with the delivery or installation, please contact the Supplier directly to resolve the matter.
4.11. Some of our Goods require you to assemble them. Where this is the case, we will make this clear to you on the Goods’ description on the Website. When self-assembly Goods are delivered, please unpack them as soon as you can to check that all relevant parts are included and in undamaged condition.
4.12. We kindly request that you inspect your Goods within 48 hours of delivery and report any damage or discrepancies to us immediately, so we can resolve the issue for you. Please note that this request does not affect your statutory rights under the Consumer Rights Act 2015, which entitle you to a remedy if your Goods are faulty or not as described.
4.13. You will become the owner of the Goods at the time of delivery provided we have received payment in full.
4.14. All deliveries are subject to the clearance of funds and stock availability. Delivery is usually made within 30 days of order confirmation unless a different lead time is advertised for specific products on our website. Where a lead time is advertised, that timeframe will take precedence over the 30-day period. Due to the involvement of third-party courier services, while we make every effort to meet the estimated delivery dates, reasonable delays may occasionally occur due to Events Outside Our Control. As a result, we cannot guarantee specific delivery dates and cannot be held liable for any losses or inconveniences caused by delayed deliveries. If we are unable to meet the advertised lead time due to unforeseen circumstances, we will notify you as soon as possible, and you will have the option to cancel the order for a full refund.
5. Order Amendments and Cancellation
5.1. Once your Order has entered our system, making changes may be difficult due to the tight timelines we work within, as fulfilment or production may have already started. However, if you wish to make a change, please contact us as soon as possible, and we will inform you if a change can be made.
5.2. If changes are possible, we will notify you of any adjustments to the price, delivery timing, or other affected aspects of your Order. You will then be asked to confirm whether you wish to proceed with the amendment.
5.3. If you have already paid for your Order in full, you will be responsible for paying any additional costs before the requested changes can be made. If the change reduces the total cost, we will refund the difference to you.
5.4. If your Order was placed using a credit facility, you may be required to sign an updated credit agreement to reflect the changes before we can proceed.
5.5. If we are unable to make the requested changes or if the resulting consequences (such as price changes or delays) are unacceptable to you, you may choose to cancel your Order. However, please note that cancellations are not permitted for Made to Measure or Bespoke items once production has begun, as these items are produced specifically to your requirements. This does not affect your statutory rights if the goods are faulty or not as described.
5.6. If your Order has already been dispatched and you choose to cancel it, you must reject the Goods at the point of delivery. Please note that cancellations prior to delivery and acceptance do not apply to Made to Measure or Bespoke items once they have been dispatched, unless the Goods are faulty or not as described. In such cases, your statutory rights under the Consumer Rights Act 2015 still apply.
6. Your Rights
6.1. As a consumer, you are entitled to various protections under the Consumer Rights Act 2015 and related regulations.
6.2. Summary of your key legal rights: The Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. During the expected lifespan of your Goods your legal rights entitle you to the following:
- 6.2.1. Up to 30 days: if your Goods are faulty, then you can get a refund.
- 6.2.2. Up to six months: if your Goods can't be repaired or replaced, then you're entitled to a full refund, in most cases.
- 6.2.3. Up to six years: if your Goods do not last a reasonable length of time, you may be entitled to some money back.
6.3. If you believe your Goods are faulty or not as described, please contact us immediately to report the issue. We may require photographs or other evidence of the fault before processing your return or offering a replacement or repair, as applicable.
6.4. In addition to the above, you may have the right to ‘cooling-off’. Cooling-off gives you a period of 14 days, running from the day on which your Goods are delivered to you, during which time you can change your mind about your purchase and return the Goods to us for a full refund.
6.5. You will not have the right to Cooling-Off in relation to the following types of Goods:
- 6.5.1. Bespoke Items and/or Made to Measure Items: These are Goods that have been produced to unique specifications provided by you. For example, a watch with a custom engraving would be considered a Bespoke Item, and a piece of furniture made to your specific measurements would qualify as a Made to Measure Item. Similarly, if you customise a standard item, such as a sofa, by selecting non-standard options—such as changing the fabric, cushions, trim, feet, or other components—this would also fall under Bespoke or Made to Measure Goods. Don’t worry though, simply choosing a standard colour or size from available options does not make the item bespoke or made to measure. We will always make it clear if the product you are ordering is a Bespoke or Made to Measure Item, and in such cases, the right to cancel under the cooling-off period will not apply. However, this does not affect your rights if the Bespoke or Made to Measure Item is faulty, damaged, not made to the agreed specifications, or not as described.
- 6.5.2. Pillows or mattress protectors that have been taken out of their sealed packaging.
- 6.5.3. Mattresses or divan beds that have been used.
- 6.5.4. Self-assembly items that have been damaged during assembly.
- 6.5.5. Semi-fitted wardrobes, whether or not assembled by us.
- 6.5.6. Goods that have been installed or integrated into your property, such as built-in appliances, flooring, or other home improvement products that are no longer in a resalable condition after installation.
6.6. If you wish to exercise your right of cooling-off, then please get in contact with us to let us know. THIS MUST BE COMPLETED WITHIN 14 DAYS OF YOU HAVING RECEIVED THE GOODS.
6.7. If you exercise your rights to cooling-off, it is your responsibility to ensure that the Goods are returned to us in a saleable condition. You will be responsible for the costs of returning the Goods to us unless otherwise agreed. If we agree to collect the Goods, you will be responsible for the collection costs which may vary depending on location and service required. The Goods must be returned to us or collected within 14 days of notifying us that you wish to return them.
6.8. If the Goods arrive back with us and they are damaged, or are not in a saleable condition, we will deduct from any refund a reasonable sum of money to compensate us for the damage, or reduction in sale price we can achieve for the Goods in question.
6.9. Where you have paid for your Goods upfront, we will refund any money due to you, including any delivery charges paid, but less any deductions as outlined above, within 30 days of us having received the Goods back.
6.10. Where you have paid for your Goods using a credit facility, we will notify the Lender that you have returned the Goods to us and the Lender will liaise with you regarding the termination / refund of your finance arrangement with them, and any charges that may be payable as a result of such termination. We strongly recommend that you read the Lenders terms and conditions carefully, paying particular attention to terms relating to withdrawing from your agreement with them.
7. Warranties
7.1. All Goods we sell come with a standard warranty, guaranteeing that the Goods will be free from defects in materials and workmanship for a specified period, usually 12 months unless otherwise stated. If any Goods fail during the standard warranty period, please contact us, and we will assist you in obtaining a repair, replacement, or refund in accordance with your statutory rights.
7.2. Some Goods may also be covered by an extended warranty, either offered by us, the manufacturer or third-party. If you have purchased or received an extended warranty, the terms and duration of the warranty will be specified separately. In the event of a failure during the extended warranty period, please contact us, and we will help you pursue a warranty claim. However, in some cases, you may need to deal directly with the manufacturer or Supplier to arrange the repair or replacement. If this is necessary, we will provide reasonable assistance in facilitating the process.
7.3. If you take out a third-party warranty independently, the terms of that warranty will be governed by the third-party provider. Any claims, repairs, or replacements under such a warranty must be pursued directly with the third-party provider. We will not be responsible for any claims or obligations under warranties that are not provided by us, the manufacturer, or our Suppliers.
7.4. For both standard and extended warranties, please retain your proof of purchase, as this may be required when making a warranty claim. If the Goods are covered under the warranty, we will work with you to ensure that the necessary repairs or replacements are arranged in a timely manner.
7.5. Where applicable, you are advised to register your warranty directly with the manufacturer or Supplier. This step may be required to activate extended warranty coverage and ensure prompt service in the event of a warranty claim. Details on how to register your warranty are typically provided in the product documentation or packaging. If you have any questions regarding the registration process, please contact us or the Supplier for guidance.
7.6. If you sell or donate the Goods to another party, the standard or extended warranty may not transfer to the new owner, depending on the specific terms of the warranty provided by the manufacturer or Supplier. You are responsible for checking the warranty documentation to confirm whether it is transferable. If applicable, the new owner may need to register the Goods with the manufacturer or Supplier in their name to activate or maintain warranty coverage. Please note that any assistance we provide will be limited to the original purchaser unless the warranty explicitly allows for transfers.
7.7. Warranties typically do not cover damage caused by misuse, wear and tear, neglect, or unauthorised modifications or attempted repairs to the Goods. Please follow the care and usage instructions provided with your Goods to maintain warranty coverage.
7.8. Please note that any warranty provided is in addition to, and does not affect, your statutory rights under the Consumer Rights Act 2015.
8. Our Website
8.1. Images of Goods displayed on our Website, including photographs, videos, and 3D visuals, are for illustrative purposes only and may not accurately represent the actual size of the Goods. Additionally, we cannot guarantee that the colours displayed on your screen will perfectly match the colours of the actual Goods. The images are intended as a general guide, and the specific details of the Goods you select, including any options or customisations, will be summarised on the product detail page and confirmed in your shopping basket prior to submitting your Order.
8.2. As far as reasonably possible all Goods featured to buy on our Website are either in stock and available at the time of placing an Order or are produced specifically upon us receiving an Order for them. Where this is the case the anticipated lead-time for delivery of those Goods will be published on our Website.
8.3. We may, on occasion, make special online discounts and promotional offers. These discounts and offers may be subject to their own specific terms and conditions stated on the Website as well as these Terms.
9. Liability
9.1. We are liable to you for any losses that you may suffer arising from us breaching our obligations to you under these Terms, or as a result of our negligence (for example, if we, or our delivery partners, cause damage to your home when delivering or assembling your Goods).
9.2. We are not liable to you where the loss in question is:
- 9.2.1. Unexpected. It was not obvious that it would happen and nothing you said to us before we accepted your order meant we should have expected it (so, in the law, the loss was unforeseeable).
- 9.2.2. Caused by an Event Outside Our Control. As long as we have taken the steps set out in section 12.2.
- 9.2.3. Avoidable. Something you could have avoided by taking reasonable action, including following our reasonable instructions for use.
- 9.2.4. A business loss. It relates to your use of Goods for the purposes of your trade, business, craft or profession. We only supply products for domestic and private use.
- 9.2.5. Losses that were not caused by any breach on our part.
- 9.2.6. Losses that were not foreseeable to both you and us when the Contract was formed.
- 9.2.7. Our Website may contain links to third-party websites or resources that are provided for your convenience. We do not have control over the content of these websites or resources, and we are not responsible for any loss or damage that may arise from your use of them. Your interactions with third-party websites are governed by the terms and policies of those sites.
- 9.2.8. Nothing in these Terms will exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by law.
10. Your information
10.1. We understand how important your personal data is to you, which is why we take its protection very seriously.
10.2. Our privacy notice, available at https://paysmarthome.com/pages/privacy-policy, outlines what personal data we collect, how we use it, who we share it with (including third-party service providers), how we store and protect it, and your rights in relation to your personal data.
10.3. If you have any questions about how we handle your personal data, wish to make a complaint, or would like to exercise any of your rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, please contact us at 251 Europa Blvd, Westbrook, Warrington, WA5 7TN or email us at hello@paysmarthome.com.
10.4. We may collect and use your personal data in accordance with applicable data protection legislation and our privacy notice.
11. Complaints and Remarks
11.1. If you have a complaint or any comments, please contact us immediately. We are committed to providing the best possible service and treat all complaints with the utmost seriousness. We also welcome positive feedback and would be delighted to hear from you if you'd like to share your experience.
11.2. Any complaint will be dealt with fairly, effectively and confidentially. Your statutory rights as a consumer are unaffected.
11.3. For further details on how we handle complaints, please refer to our published complaints procedure at https://www.paysmarthome.com/pages/complaints.
12. Other Important legal terms
12.1. If any part of these Terms is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these Terms will not be affected.
12.2. We will not be responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms which are caused by an Event Outside Our Control. If an Event Outside Our Control takes place that affects our ability to comply with our obligations to you under these Terms we will contact you as soon as we can to notify you. In these circumstances our obligations to you under these Terms will be suspended for the duration of the Event Outside Our Control. However, we will still take reasonable steps to mitigate the effects of such events, as required by law.
12.3. Each section of these Terms operates separately. If any of these sections (or any part of any section) is found by any court or relevant authority to be unlawful or unenforceable, the other sections (or part of the section in question) shall not be affected and shall remain in full force and effect. If any section of these Terms is found to be unlawful or unenforceable but would be lawful and enforceable if some part of the section were deleted, the section in question shall apply with such deletion as may be necessary to make it lawful and enforceable.
12.4. If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a breach by you, we will do so only in writing, but that will not mean that we automatically waive any later breach by you.
12.5. We may perform any of our obligations or exercise any of our rights under the Contract ourselves or where applicable, through any other persons (legal or otherwise) or entities.
12.6. We may transfer our rights and obligation under a Contract to another organisation, but this will not affect your rights or our obligations under these Terms. You may only transfer your rights or your obligations under these Terms to another person if we agree in writing to such a transfer. These Terms together with our current Website prices, delivery details, contact details and privacy notice set out the whole of our agreement relating to the supply of Goods to you by us.
12.7. Neither of us may change the Terms of the contract between us, once it has been created, without the agreement in writing of the other.
13. Financial Ombudsman Service
13.1. We aim to offer our customers complete peace of mind. If you have a query or concerns about your credit agreement, or an application which was referred or declined by Snap Finance Ltd, please contact Snap Finance Ltd on 03300 109381. For any other lender, please contact the lender directly.
13.2. For any other queries or complaints about the provision of credit please contact us at hello@paysmarthome.com. If you are still dissatisfied, you are entitled to contact the Financial Ombudsman Service. Find out about the Financial Ombudsman Service and specific dispute queries at financial-ombudsman.org.uk.
14. Governing law and jurisdiction
14.1. We really hope there is no reason for either of us to need to worry about this. But in the event there is a problem, and we are unable to sort it out between us, then these Terms will be read in accordance with the laws of England and Wales.
14.2. If either of us has to go to court against the other, the courts of England and Wales shall have the non-exclusive right to hear that dispute. What this means for you is that you can choose to bring a claim against us in England and Wales but, if you are resident in Northern Ireland or Scotland, you can choose your more local court should you want to do so.
Contact us
For any queries, please visit https://www.paysmarthome.com/pages/contact.
Registered Office
Pay Smart Carpets Limited
Unit 3, Building 2, The Colony Wilmslow, Altrincham Road, Wilmslow, Cheshire, United Kingdom, SK9 4LY
Company registration number: 10991413
ICO registration number: ZA294190
VAT registration number: GB280403430