Terms and Conditions
1. THESE TERMS
1.1 What these terms cover. These are the terms and conditions upon which you:
(a) purchase Travel Money (ie. non-sterling currency) from us referred to in these terms as a “Buy Travel Money Transaction”; and
(b) sell Travel Money to us, referred to in these terms as a “Sell Back Transaction”, through https://www.eurochange.co.uk/travel-money (the “Website”) or in one of our branches.
1.2 Why you should read them. Please read these terms carefully before you confirm your order. These terms tell you who we are, how we will provide Travel Money or pounds sterling (“GBP”) (as applicable) to you, how you and we may end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.
2. INFORMATION ABOUT US AND HOW TO CONTACT US
2.1 Who we are. We are eurochange Limited, being a company incorporated in England & Wales with company number 02519424 and registered address at Russell House, Elvicta Business Park, Crickhowell, Powys, NP8 1DF.
2.2 How to contact us. You can contact us by writing to us at firstname.lastname@example.org or Administration, eurochange Limited, PO Box 435, Stevenage, SG1 9GA.
2.3 How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
2.4 ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.
3. OUR CONTRACT WITH YOU
3.1 How we will accept your order.
In branch: Once you have signed your transaction receipt, which will be after the sales advisor has counted out your currency / GBP, a contract will come into existence between you and us. Before the transaction is confirmed the sales advisor would have already agreed the rate and amount, including any other products or services by explaining the receipt.
Website: Our acceptance of your order will take place when the confirmation page on the website is displayed and/or you receive your email confirmation at which point a contract will come into existence between you and us. Before confirmation you would have reviewed and agreed to these terms and conditions by checking the box, then clicking the “confirm order” button. When we accept your order, we agree to keep the agreed exchange rate open for a certain period of time, pending payment by you. It is important that you pay us on time, otherwise we may not be able to provide you with your required Travel Money and/or GBP and you may be liable for any losses we incur.
3.2 Your order number. We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.
3.3 Online we only sell to persons who are over 18 and located the UK. The Website is solely for the promotion of Travel Money in the UK. Unfortunately, we do not accept orders from or deliver to addresses outside the UK.
3.4 Do not use our service in breach of applicable laws. You must not use our service (as described in these terms) in breach of any applicable law, rule and/or regulation. In submitting orders, you warrant that you are not breaching and do not intend to breach any applicable law, rule and/or regulation whilst availing of the services set out in these terms.
3.5 We are not under an obligation to accept orders. We reserve the right not to accept orders placed with us, at our sole discretion, for any reason.
4. TERMS APPLYING TO BUY TRAVEL MONEY AND SELL BACK TRANSACTIONS
4.1 Website Buy Travel Money Transactions. There are three types of Buy Travel Money Transaction which you are able to enter into on the Website, namely:
(a) a Home Delivery Transaction – this is where your exchange rate is agreed online, you pay online via debit card or via bank transfer and your Travel Money are posted via Royal Mail Special Delivery to a residential address within the UK;
(b) a Post Office Local Collect Transaction – this is where your exchange rate is agreed online, you pay online via debit card or via bank transfer and your Travel Money are posted to a Post Office Branch or Royal Mail Customer Service Point of your choice for you to collect.
(c) a Pay & Collect Transaction – this is where your exchange rate is agreed online, you pay online via credit or debit card or via bank transfer and collect your purchased Travel Money from your requested eurochange branch; and
4.2 In Branch Buy Travel Money Transactions. There are two types of Buy Travel Money Transaction which you are able to enter into in a eurochange branch, namely:
(a) an In Branch Transaction – this is where your exchange rate is agreed in branch, you pay in branch via credit or debit card or via cash and your Travel Money, Multi-Currency Cash-Passport received by you immediately after the transaction has been completed.
(b) a Home Delivery Transaction – this is where your exchange rate is agreed in branch, you pay in branch via credit or debit card or via cash and your Travel Money are posted via Royal Mail Special Delivery to an address within the UK;
4.3 Website Sell Back Transactions. There are two types of Sell Back Transaction which you are able to enter into on the Website, namely:
(a) a Postal Sell Back Transaction – this is where your exchange rate is agreed online, we send you a pre-paid self-addressed Royal Mail Special Delivery envelope for you to send us the currency you wish to sell us. We in turn make payment to you via BACS once your currency has been received. Only available in relation to notes (not coins) and to a residential address within the UK (and subject to the conditions set out in clause 4.10 and 9 below);
(b) a Sell Back & Collect Transaction - this is where your exchange rate is agreed online and you visit your chosen eurochange branch and exchange at the agreed rate in branch.
4.4 Exchange Rates. Before placing your order, we shall provide you with exchange rates on the Website or in branch, based on the currency and amount of Travel Money you wish to purchase from us or sell to us. You may, using these exchange rates, place an order for entering into a Home Delivery Transaction, a Pay & Collect Transaction, a Post Office Local Collect Transaction, a Postal Sell Back Transaction and/ or a Sell Back & Collect Transaction by following the instructions on the Website or by speaking to the sales advisor in branch.
4.5 Payment - you must pay us on time.
If you enter into a Home Delivery, Post Office Local Collect or a Pay & Collect Transaction, you may:
(a) pay us by cash in branch
(b) pay us by debit card on the Website or in branch in which case confirmation of your payment should be instantaneous;
(c) pay us via bank transfer on the website in which case you must ensure that we receive the correct amount of cleared funds into the bank account set out in the order confirmation including the correct reference and by the date and time set out in the order confirmation. The funds must be sent from a bank account in the name of the person placing the order.
Payments by debit or credit card will not incur a surcharge from eurochange but you may be charged by your card issuer – please check their terms & conditions if you are unsure. Debit and credit card payments that are declined by your bank may lead to the funds being set aside as on ‘hold’ by your card issuer. We have no control of this process and are not liable for any difficulties that arise from this.
If your bank transfer is via the faster payments service then we should receive your funds within 2 hours. If your bank transfer is not made by faster payments then we should receive your funds within 2 to 3 working days.
If you enter into a Sell Back & Collect Transaction you must attend the eurochange branch noted on your order confirmation and pay us by the time set out in your order confirmation. Your order will be held by the branch for 4 calendar days.
Failure to pay on us on time is a breach of contract by you and will result in us being unable to deliver the Travel Money, and/or GBP to you at the agreed exchange rate. The agreed exchange rate will expire. We reserve the right to charge you for any losses we incur in keeping the exchange rate open for the period set out in the order confirmation.
4.6 Delivery of Travel Money and/or GBP
(a) you enter into a Home Delivery Transaction, the purchased Travel Money will be delivered to you through Royal Mail’s Next Day Delivery Service;
(b) you enter into a Post Office Local Collect Transaction, the purchased Travel Money will be delivered to your chosen collection point using Royal Mail’s Special Delivery service;
(c) you enter into a Pay & Collect Transaction, you shall collect the purchased Travel Money from the eurochange branch set out in your order confirmation;
(d) you enter into a Sell Back & Collect Transaction, you shall collect your GBP from the e
eurochange branch set out in your order confirmation; and
(e) you enter into a Postal Sell Back Transaction, we shall make payment to you in GBP via BACS once your currency has been received by us.
4.7 Minimum and maximum order amounts. Buy Travel Money Transactions and Sell Back & Collect Transactions have no minimum order amount, except for the minimum available denominations, which will be made clear when placing your order. However:
(a) Home Delivery Transactions and Post Office Local Collect have a maximum order amount of £2,500 sterling;
(b) Online Pay & Collect Transactions have a maximum order amount of £2,500 sterling;
(c) Sell Back & Collect Transactions have a maximum order amount of £2,500 sterling;
(d) Postal Sell Back Transactions have a minimum order amount of £100 and maximum order amount of £750 sterling; and
(e) In branch transactions there is no maximum order amount but we will require additional information to comply with Anti Money Laundering legislation.
We reserve the right to amend these amounts at any time at our discretion.
4.8 How we make a profit. We do not charge any commission for your purchase or sale of Travel Money. We make a profit based on the difference between the exchange rate at which we buy and sell currency from our suppliers and the exchange rate at which we buy and sell currency to you.
4.9 Option to purchase our Original Rate Buy Back.
When placing an online order to enter into a Buy Travel Money Transaction you will be given the option, in return for the payment of £4, of being able to sell back to us up to 30% of your unused Travel Money at the same exchange rate as you bought the Travel Money for, within 30 days of placing that Order. This is referred to in these terms as the “Original Rate Buy Back”.
In branch we have different options for the Original Rate Buy Back, these will be explained to you at the point of purchase and will be confirmed upon acceptance.
4.10 Receipt of Travel Money from you.
Upon our receipt of the Travel Money, all notes will be verified to ensure that they are current, valid and usable. Any forged notes, outdated, outmoded or unusable notes will not be exchanged and may be retained. We reserve the right to refuse to buy back any denomination of foreign currency notes that we do not sell or that have a value of less than £1.
5. GENERAL TERMS
5.1 All orders where we sell currency to you will be rounded up to the nearest suitable
5.2 Orders for ‘next day’ delivery for Home Delivery Transactions, Post Office Local Collect and Pay & Collect Transactions must be completed before 4pm Monday to Friday. Please note that deliveries are not available on public holidays or Sundays. You must allow adequate time before you travel for your delivery.
5.3 By placing an order, you warrant that you are acting on your own behalf and that the information that you provide to us is true and accurate in all respects, that you will not withhold any material information from us, and you will provide us with any information that we may reasonably require.
5.4 We may need certain information and/or documentation from you so that we can supply the Travel Money, GBP (as applicable) to you, for example, verification of your identity or address. We will contact you in writing or when you attend a eurochange branch to ask for this information and/or documentation. If you do not give us this information and/or documentation within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may refuse service, end the contract or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the Travel Money and/or GBP late or not
supplying all or any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
6. DELIVERY FOR THE HOME DELIVERY TRANSACTIONS
6.1 All Home Delivery Transaction purchases will be delivered by Royal Mail Special Delivery service (http://www.royalmail.com/personal/uk-delivery/special-delivery).
6.2 We are responsible for your Home Delivery Transaction up to the point of collection by Royal Mail. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.
6.3 You accept responsibility for your Home Delivery Transaction when your Travel Money are signed for at your home delivery address or when the Travel Money are collected from a Royal Mail sorting office.
6.4 We do not guarantee next day delivery or that the requested delivery date will be met. We will however use our best endeavours to deliver your order on your requested date. We will not be held liable for any issues, expenses or costs as a result of a delivery not arriving on the date you have stated.
6.5 You can track your order any time by visiting www.royalmail.com/trackdetails, once you receive your confirmation email with tracking details provided which we will send to you as part of the confirmation that your order has been dispatched.
6.6 Failed or missing deliveries will not be immediately refunded and they will be dealt with under the Royal Mail’s claims procedure. A refund will only be payable following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf.
6.7 Except for Bank Holidays, where a Monday delivery date has been requested, your order will be dispatched on a Friday as Royal Mail do not collect from us on a Saturday or Sunday. As such you may receive your package on a Saturday.
6.8 An option is available to request a Saturday delivery for an additional fee. However, we cannot guarantee Royal Mail will fulfil this request. We will be unable to refund the additional fee should your delivery not arrive on a Saturday.
6.9 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.
6.10 We cannot accept any responsibility for fraudulent acts committed by a third party.
6.11 There is no delivery charge for Home Delivery Transactions with a value equal to or more than £600. If you enter into a Home Delivery Transaction with a value of less than £600, you will be charged a delivery fee of £4.99. An additional delivery fee will be payable for delivery on a Saturday. This additional fee will be detailed during the order process.
6.12 Home Delivery Transactions can only be delivered to residential addresses in the United Kingdom. It is important that you are present to sign and accept delivery for your order.
6.13 If the delivery address is that of a multiple occupancy building then be aware that Royal Mail will deliver to the reception or other delivery point. We are not responsible for deliveries for which Royal Mail has obtained a signature at your delivery address but which you have not received.
6.14 The Royal Mail has some restrictions on its Special Delivery service, please refer to the Royal Mail website www.royalmail.com for details of up to date restrictions.
6.15 If no one is available at your address to take delivery, Royal Mail will leave you a note informing you of how to rearrange delivery or collect the Travel Money from a local depot. It is your responsibility to arrange this.
7. POST OFFICE LOCAL COLLECT
7.1 All Post Office Local Collect purchases will be delivered by Royal Mail Special Delivery service (https://www.royalmail.com/personal/uk-delivery/special-delivery).
7.2 We are responsible for your Post Office Local Collect Transaction up to the point of collection by Royal Mail. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.
7.3 You accept responsibility for your Post Office Local Collect Transaction when your Travel Money are signed for and collected from your chosen point.
7.4 We do not guarantee next day delivery or that the requested delivery date will be met to your collection point and we will not be held liable for any issues, expenses or costs as a result of a delivery not arriving on the date you have stated.
7.5 You can track your order any time by visiting https://www3.royalmail.com/track-your-item#/, once you receive your confirmation email with tracking details provided which both us and Royal Mail will send to you as part of the confirmation that your order has been dispatched.
7.6 Failed or missing deliveries will not be immediately refunded and they will be dealt with under the Royal Mail’s claims procedure. A refund will only be payable following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf.
7.7 Except for Bank Holiday’s, where a Monday delivery date has been requested, your order will be dispatched on a Friday as Royal Mail do not collect from us on a Saturday or Sunday. As such your package may not arrive to your collection point on a Saturday.
7.8 An option is available to request a Saturday delivery for an additional fee. However, we cannot guarantee Royal Mail will fulfil this request. We will be unable to refund the additional fee should your delivery not arrive on a Saturday.
7.9 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.
7.10 We cannot accept any responsibility for fraudulent acts committed by a third party.
7.11 There is no delivery charge for Post Office Local Collect Transactions with a value equal to or more than £600. If you enter into a Post Office Local Collect Transaction with a value of less than £600, you will be charged a delivery fee of £4.99. An additional delivery fee will be payable for delivery on a Saturday. This additional fee will be detailed during the order process.
7.12 To collect your Post Office Local Collect order you will be required to show valid ID (for the person the parcel is addressed to) and proof of delivery address. Proof of ID includes: Cheque Guarantee or Cheque Book, Credit or Debit Card, Bank/Building Society Book, Valid Passport, Cheque Book, Driving Licence, Photo Identity Card (Foreign National, Military, Police Warrant, Royal Mail Employee).
7.13 We are not responsible for deliveries for which Royal Mail has obtained a signature but which you have not received.
8. ADDITIONAL TERMS APPLICABLE TO THE PAY & COLLECT TRANSACTIONS
8.1 If you enter into a Pay & Collect Transaction Transaction you will be required to produce the relevant order confirmation page or confirmation email.
8.2 For Pay & Collect Transactions only, you will be required to produce:
(a) the debit or credit card that you used to make your payment; and
(b) one of the following forms of identification:
(ii) Photo card driving licence; and
(iii) National ID card.
We reserve the right to PIN authenticate the credit or debit card used for payment. There will be no additional charge for this PIN authentication.
8.3 We are unable to accept any other forms of identification other than those listed. We are not able to release Travel Money for Pay & Collect Transactions to anyone other than the cardholder.
9. POSTAL SELL BACK
9.1 A Postal Sell Back Transaction can be initiated by completing an online request form. We will provide you with an indicative exchange rate which will remain valid for 10 days.
9.2 The minimum value of a Postal Sell Back Transaction is £100 and a maximum of £750 sterling.
9.3 The GBP sterling value is based upon the stated total value of the currency notes being returned, subject to all the notes being current, valid and usable. Any forged notes, outdated, outmoded or unusable notes will not be exchanged and may be retained. We reserve the right to refuse to buy back any denomination of foreign currency notes that we do not sell or that have a value of less than £1. We do not accept coins via Postal Sell Back.
9.4 We will send you a pre paid envelope and an order form to complete. You should complete the order form, and enclose it in the pre-paid envelope along with the currency you wish to sell back to us. The pre-paid envelope must be handed into a Post Office who will provide a receipt and tracking reference. Only our pre-paid envelope can be used to send your currency and Sell Back order form to us
9.5 The maximum envelope value is £750.00. It is your responsibility to ensure that this value is not exceeded. Your envelope will only be insured up to the value of £750.00.
9.6 We are responsible for the currency in your Postal Sell Back Transaction from the point the envelope is signed for by us at our processing centre. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.
9.7 We do not guarantee next day delivery to us of the pre-paid envelope you send back to us. We will not be held liable for any issues, expenses or costs as a result of delivery not arriving with us or its delivery to us being delayed or lost.
9.8 You can track your envelope by visiting www.royalmail.com/trackdetails using the tracking reference provided to you by the Post Office.
9.9 We have no responsibility for any failed or missing deliveries which will be dealt with under the Royal Mail’s claims procedure. Payment to you will only be made following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf and only up to the value of £750.00 per envelope. You will need to provide us with the Post Office receipt and tracking reference and any other assistance which we may need in order to process the insurance claim with the Royal Mail. In these circumstances we will only pay you what we actually receive from the Royal Mail in relation to your envelope.
9.10 If you have purchased Original Rate Buy Back, please also include confirmation of your purchase when completing your Postal Sell Back order form. Providing your Original Rate Buy Back is valid on the date we receive your currency, it will be applied to Postal Sell Back order.
9.11 If your currency is not received by us within 10 days of completion of the online request form, the indicative exchange rate provided when you completed the online request form will be replaced with the online Postal Sell Back rate on the day that your currency is actually received by us.
9.12 Payment will be made via BACS to the nominated account details provided by you. Payment may take up to 5 days to credit your account.
9.13 It is not possible to cancel a Postal Sell Back Transaction once you have handed the pre-paid envelope containing your currency and order form into a Post Office.
Should you wish to cancel your Home Delivery, Post Office Local Collect or Pay & Collect order you will be issued a refund minus a £10 cancellation charge. If you fail to collect your Pay & Collect order within 4 days of your chosen collection date, you will also be charged the cancellation fee. Please note that any charges applied by your card provider to you will not be refunded. If after your order is cancelled you still want to purchase Travel Money from us a new order will need to be placed. Home Delivery orders cannot be cancelled after 1pm on the day of dispatch.
Orders can be cancelled by sending a cancellation request to email@example.com
If your order was placed in branch you will need to contact your local branch.
Please note that the provision of foreign currency involves special risks which may affect the value of an order placed by virtue of fluctuation in exchange rate as a result of changes in financial markets. Please note that such changes are outside of the control of eurochange and, in extreme situations and without prior warning, may affect the provision of this Service. In such cases, eurochange shall have the right to cancel your order. If this occurs, eurochange will endeavor to notify you as soon as is reasonably possible by telephone or email to enable you to re-enter your order. You will not be charged the £10 cancellation fee in these instances.
11. FEEDBACK / COMPLAINTS PROCEDURE
11.1 We are committed to providing high quality and great value foreign exchange services. We pride ourselves in the high standard of service we offer so your feedback is very important
11.2 To feedback your comments or register a complaint please email firstname.lastname@example.org outlining your comments or complaints, please quote any reference numbers that have been issued to you to enable us to handle your comments / complaint effectively.
12. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
12.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you made us aware of the risk during the sales process.
12.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.
12.3 We are not liable for business losses. We only supply our services for domestic and private use. If you use our services for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
13. FOREIGN CURRENCIES AND RATES
13.1 The eurochange online travel money service is only available for the currencies listed at the moment of order on the website. Currencies may be unavailable from time to time. The exchange rates quoted by eurochange on the website are updated daily but may be updated at any time. Should extreme fluctuation in the exchange rate occur between you placing your order and the dispatch of your order, eurochange shall have the right to cancel your order as per Section 10 (Cancellations). In this instance the £10 cancellation charge would not apply.
13.2 Currencies are subject to availability - if not in stock currencies can be ordered in. To secure the rate you will need to pay for the currency at the time of the order.
You should be aware that the historical performance of a foreign currency is no indicator of its future performance.
Please note that foreign currency availability may be subject to monetary limits, currency exchange restrictions and anti–money laundering regulations
14. PROMOTION CODES
Throughout the year we offer various promotional codes giving special rates on Travel Money. Promotional codes can be used online or in branch if applicable until they expire. Only one promotional code can be used per transaction and per customer.
15. HOW WE MAY USE YOUR PERSONAL INFORMATION
15.2 In line with GDPR requirements, the following details why we collect your personal information and how we process it:
(a) to supply the Travel Money (as applicable) to you;
(b) to arrange for the delivery of your Travel Money and/or Postal Sell Back pre-paid envelope including passing your name and address onto Royal Mail;
(c) to process your payment;
(d) to send GBP to your bank account; and
(e) to send you information about services from the NoteMachine Group of companies if you have registered with us and have opted in to marketing preferences.
You may stop receiving such information by updating your marketing preferences via our website or by contacting us at email@example.com outlining what you would like to stop receiving.
(f) MasterCard for the Multi-Currency Cash-Passport
(g) NM Mortgages if you request a Mortgage appointment
(h) Western Union for their terms and conditions of processing a transaction
15.3 We will only give your personal information to third parties where the law either requires or allows us to do so.
When placing an order your identity is verified using electronic systems in accordance with anti-money laundering regulations.
In addition to electronic verification, documentary proof of identity may be required.
If we have requested personal data it has been recorded in connection with your transaction and only for the purposes of preventing money laundering or terrorist financing, unless you have given permission otherwise as part of our customer registration process.
15.4 Upon completition of your transaction with eurochange, both online and in branch, you will be sent an email request for a review of your experience via the third party Trustpilot. This is not a marketing email, it is a request for a review of our service. You will receive a follow up email if you do not respond to the first review request. You can unsubscribe from Trustpilot at any time by clicking the link in the footer of the email – this includes all review invitation emails from all merchants using Trustpilot’s review invitation service.
16. OTHER IMPORTANT TERMS
16.1 We may transfer our rights and obligations under these terms to another organisation.
16.2 You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
16.3 This contract is between you and us. No other person shall have any rights to enforce any of its terms.
16.4 All conditions, warranties and remedies imposed or implied by any applicable laws are expressly excluded.
16.5 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
16.6 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not provide us with information or pay us on time and we do not chase you but still provide the Travel Money, GBP (as applicable), we can still require you to provide the information or make the payment at a later date.
16.7 These terms are governed by English law and you can bring legal proceedings in respect of these terms in the English courts. If you live in Scotland you can bring legal proceedings in respect of these terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms in either the Northern Irish or the English courts.