Travelex Online Services Terms and Conditions Travelex Online Services Terms and Conditions This website, www.travelex.co.uk (the "Website"), is operated by Travelex Foreign Coin Services Limited (“we" or "us" or "our") on behalf of itself and its holding companies and subsidiaries (together the "Travelex Group"). Access is provided only in accordance with our Website Terms and Conditions. Please read the Website Terms and Conditions carefully before you start to use the Website. By using the Website, you confirm that you accept the Website Terms and Conditions and that you agree to abide by them. If you do not agree to the Website Terms and Conditions, please refrain from using the Website. Contents Information About Us These Terms Purchase of Travel Money Delivery and Collection Replacements and Returns Pre-paid Cards Charges Travelex Money App Personal Information and Payment Security Limiting Our Liability Our Right to Cancel Other Terms These Online Services Terms and Conditions were last updated on 25th August 2021. 1. Information About Us 1.1 Who are we? We are Travelex Foreign Coin Services Limited, a company registered in England and Wales. Our company registration number is 02884875 and our registered office address is at Worldwide House, Thorpe Wood, Peterborough, PE3 6SB. Our VAT registration number is 755419120 1.2 How to contact us? You can contact the customer service team by: (i) emailing us at helpdesk.onlinetravelmoney@travelex.com; (ii) by telephoning us on 0345 872 7627; or (iii) by writing to us at Travelex, Customer Services, Worldwide House, Thorpe Wood, Peterborough, PE3 6SB. 2. These Terms 2.1 What these terms cover. These are the Online Terms and Conditions on which we supply Travel Money, the Travelex Money Card or reloads of Cash Passports to you via our Website. 2.2 Why you should read them. Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products and services to you, how we may change or 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 (see 1.2) to discuss. 3. Purchase of Travel Money 3.1 Use of the service. This internet ordering service (the "Service") is provided by us. These Online Terms and Conditions apply to the Service, which consists of an online ordering facility for foreign currency banknotes (“Travel Money”) and pre-paid cards (including Cash Passports and the Travelex Money Card). You can also purchase our Buy Back Plus offer from the Website. Separate terms and conditions apply. Please click on this link Buy Back Plus to view the relevant terms and conditions. Please note that the Buy Back Plus is not available for the purchase of our Travelex Money Card products. 3.2 How to place an order. Follow the instructions on the ordering screen. Once you have entered the ordering screen you must complete your order within 45 minutes otherwise your session may time out and you will have to restart the order process. 3.3 If we cannot accept your order. If we are unable to accept your order, we will contact you and will reimburse you for your order. This might be because: (i) the Travel Money, or Travelex Money Card is out of stock; (ii) because of unexpected limits on our resources which we could not reasonably plan for; (iii) because we have identified an error in the price or description of the Travel Money, or Travelex Money Card; or (iv) because we are unable to meet a delivery deadline you have specified. 3.4 When to pay. You will be required to pay for the Travel Money, reload of Cash Passport or Travelex Money Card at the time of ordering by credit or debit card. 3.5 How to correct an error. You can correct errors on your order up to the point at which you click on "Submit Now " on the payment details screen. You may not make any changes to your order after you have clicked "Submit Now" on the payment details screen. You may however be able to cancel your order. Please contact us as soon as possible via one of the following methods: by email at helpdesk.onlinetravelmoney@travelex.com or by telephone at 0345 872 7627. 3.6 Exchange rate. The exchange rates we quote are subject to change. We will use the exchange rate (as set by us) that appears on the ordering screen at the time we receive your order. Please note that the rates available on the Website are set separately from the rates provided in-store and for Cash Passports or Travelex Money Card, and therefore may vary. You will not be able to get our Website rates in-store unless you have pre-ordered your currency through the Website. 3.7 Provision of information by you. You must provide all the requested information for us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order, to comply with regulatory requirements or to ensure that these Online Terms and Conditions have been complied with. 3.8 Authenticating your order. We will use various procedures to authenticate each transaction and we may, at any time and for any reason, decline to process your order or any part of your order. 3.9 Confirmation of your order. By placing an order with us, you confirm that the details contained in your order are correct in all respects. The system will display a confirmation screen setting out the details of your order. This confirms receipt of your order. A legally binding contract between you and us is only formed when we send you a confirmation email that your credit or debit card payment has been accepted. Please print a copy of the confirmation screen for your records and print or store the confirmation email in a safe place, as it will be the only record of your transaction. Please note that pursuant to clause 11 of these Online Terms and Conditions we have a right to cancel your order once the contract has come into existence. 3.10 Who can use the Service? The Service is only available to individuals aged 18 years or over, and who are residents of the United Kingdom. The Service may only be used for holiday or business travel and not for speculative, investment or any other purposes. By ordering Travel Money, the Travelex Money Card, or reloading Cash Passports from us, you confirm that you accept the Online Terms and Conditions and agree to be bound by them and to comply with all applicable laws and regulations. 3.11 What currencies are available? The Service is only available for the currencies listed from time to time on the online ordering screen. Currency availability may also be subject to further monetary limits, currency exchange restrictions and to customers complying with all applicable laws and regulations (including those relating to anti-money laundering regulations). 4. Delivery and Collection 4.1 When you place your order for Travel Money or any pre-paid card you will be given the option of whether you want to place an order for collection by you, or delivery to your home. Orders for Collection 4.2 When to collect. When you are purchasing Travel Money or any pre-paid card online to collect it from one of our locations, we have the right to stipulate the dates that you can collect any order (this will vary depending on the currency selected and the collection location). The available dates that you can collect the Travel Money are subject to change at our sole discretion and will be shown on the ‘My Order’ page of our Website when you are placing an order. 4.3 Who can collect your order and the identification required? If you choose to place an order for collection, orders can only be collected by the card holder who paid for the Travel Money or a pre-paid card. At the time of collecting the order the cardholder will need to produce the card used to make the purchase plus either a valid passport or a full UK Photographic Driving Licence for identification purposes. Depending on your order, we reserve the right to ask for further information and identification (such as proof of residential address) in accordance with our anti-money laundering policies. The name on the card used to make the purchase must match that on the identification document(s) used. To enable us to comply with our anti-money laundering, internal risk and fraud policies and other legal obligations, we reserve the right to take a copy for our records of your identification document(s) at the time of collection. 4.4 Where to collect your order from. You can collect your order from our locations listed on the ordering screen. Collection is subject to the opening times of the collection location. Details for the opening times of the collection location will be notified to you at the time of the order and can be obtained on the Website. The risk and responsibility for collecting your order before you depart on your travel’s rests with you. Please remember to allow sufficient time to make your collection before departing on your travels. 4.5 Payment on collection. If your online order is unsuccessful you may be offered our pay on collection service. With pay on collection you can take advantage of our online rates by selecting a date and location to collect your order, with payment not being taken until you collect your order. You will receive the rates you would have received had your initial online order been successful, rather than the walk-up rates of your chosen collection location. 4.6 Non-collection. If you fail to collect your order from your nominated locations within 72 hours of the collection time, then your order will be marked as non-collected, and your order will be cancelled and treated in the same way as a cancellation made less than 24 hours in advance of the collection time as outlined in clause 4.10 below. 4.7 Collection of Euros and US Dollars. You can order Euros and US Dollars on the same day that you intend to collect it, provided that we confirm your order at least 4 hours prior to collection. 4.8 Collection of all other currencies. The time period between making your order and collecting it for all other currencies depends on the specific currency ordered and the collection location selected. 4.9 Minimum and maximum order value. Orders for collection are subject to a minimum value equivalent to the lowest denomination note that we have available in the selected currency, and to a maximum value equivalent to £5,000 per person per day. 4.10 Your right to cancel orders for collection. If you placed an order for collection then this order can be cancelled at any time, provided that there are more than 24 hours to go before your collection time. You can do this by calling our customer services on 0345 872 7627 (Monday to Friday 24/7) or by email on helpdesk.onlinetravelmoney@travelex.com. The full sterling amount will be refunded to you, However, in the event that you cancel an order less than 24 hours before the collection time, we reserve the right to charge you a £10 cancellation fee. 4.11 When you will receive a refund. Pursuant to clauses 4.6 and 4.10, we will process cancelled or non-collected orders as soon as reasonably practicable and will organise refunds. Refunds may take from 2 to 10 days. Please note that we do not refund cash advance charges made by your card issuer. Orders for Delivery 4.12 Where can currency be delivered? Subject to clause 4.18, when you are purchasing Travel Money online, it will be delivered to your home. 4.13 What dates can you get it delivered? We have the right to stipulate the dates that your order can be delivered. The available dates will vary depending on the currency selected and your delivery location. The available dates that your order can be delivered to your home are subject to change at our sole discretion and will be shown on the ‘My Order’ page of our Website when you are placing an order. Orders will not be delivered on Sundays and public holidays. 4.14 Minimum and maximum home delivery order. Orders for home delivery are subject to a minimum value of £100 and a maximum value of £2,500 per person per day. 4.15 Delivery times. The following delivery times will apply if you choose to have your Travel Money delivered to your home address. Please note that if your order includes a Pre-paid Card, this will be delivered separately, normally within 3 to 5 working days. Order Confirmed* Order Delivered* Before 1.30 p.m. Monday to Thursday Next working day after your order After 1.30 p.m. Monday to Wednesday Second working day after your order After 1.30 p.m. Thursday and before 1.30 p.m. Friday Saturday or Monday** After 1.30 p.m. Friday and anytime Saturday or Sunday On a Tuesday *Days quoted are dependent on the day being a working day. If one of these days is a public holiday, then additional day(s) will be added accordingly. ** For orders placed after 1.30 p.m. on Thursday up until 1.30 p.m. on Friday, there is a possibility that Royal Mail may deliver your order to your home address on the Saturday, however this is not guaranteed. Please note that there will be no delivery of orders to office addresses. 4.16 We will send your Travel Money via Royal Mail Special Delivery. All Travel Money home delivery orders are sent by Royal Mail Special Delivery (unless we advise you otherwise). For details and exceptions visit royalmail.com. 4.17 Risk and responsibility with home deliveries. We accept responsibility for your home delivery order up to the point of collection by Royal Mail. Problems at Royal Mail such as service disruptions, delays, or failure to deliver are therefore outside our control. The risk and responsibility for your Travel Money will pass to you when the Travel Money package is delivered at your home delivery address or when the Travel Money is collected from a Royal Mail sorting office. Upon the delivery of your Travel Money, please ensure that the Travel Money package is not torn, has not been opened and does not appear to have been tampered with before accepting and signing. If you are not happy with the condition of the package do not accept it or sign for it and inform us immediately of any problems. 4.18 Home delivery - Orders can only be sent to your credit or debit card billing address. A valid UK telephone number is required for home delivery. 4.19 Your right to cancel. If you have placed an order for home delivery this cannot be cancelled or amended once your order has been confirmed by us to you in accordance with clause 3.9 above. The provisions of this cancellation clause do not affect your statutory rights. 5.Replacements and Returns 5.1 Failure to accept delivery of your order. If you fail to accept delivery of your Travel Money order for any reason and wish your order to be re-delivered you will have to pay additional delivery charges. 5.2 Order not received or incorrect. If you do not receive your order or it is incorrect because of a fault on our part, we will send a replacement order. You agree to return the original order (if received) to us by Royal Mail Special Delivery within 7 days and we will reimburse the return postage to you. If we provide a replacement order and the original order is received by you and not returned within 7 days, we reserve the right to charge you in full for the replacement order as well as any other fees that we may reasonably incur. 5.3 Replacement orders required urgently. If you have not received your order and are travelling imminently and need the delivery as a matter of urgency, then we will try to make alternative arrangements including collection from one of our airport retail outlets. This service will be provided at our cost where the delay in delivery or any error is our fault. If the delay is not our fault, we reserve the right to make an additional charge. If we provide an alternative order and the original order is subsequently received by you and not returned within 14 days, we reserve the right to charge you in full for the replacement order as well as any other fees that we reasonably incur. 5.4 Order received greater than order placed. If the value of the Travel Money is as a result of our error, greater than the amount you ordered, you will return the excess to us by Royal Mail Special Delivery within 14 days of receiving the order and we will reimburse the return postage to you. 6.Pre-paid Cards Travelex Money Card 6.1 What we offer. You can apply for a Travelex Money Card and top up the balance on your Travelex Money Card on the Website. 6.2 Delivery. Your Travelex Money Card will be delivered by First Class Royal Mail post and should arrive within 3-5 working days from receipt of your confirmation email from us. 6.3 Returns and cancellation. Please consult clause 6.5 below for your card’s terms and conditions relating to your rights and obligations should you wish to cancel or return the Travelex Money Card after purchasing it. 6.4 Minimum load amount. Reloads of the Travelex Money Card are subject to a minimum load amount. Please consult clause 6.6 below for the Travelex Money Card’s terms and conditions and for further information. 6.5 Travelex Money Card terms and conditions. If you buy a Travelex Money Card (whether on the Website or elsewhere), you will be subject to the terms and conditions set by the issuer of the Travelex Money Card. Travelex Money Card is issued by PrePay Technologies Limited pursuant to license by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 6.6 Access to Travelex Money Card terms and conditions: Please click here for a copy of terms and conditions for the Travelex Money Card. Cash Passport 6.7 Reload only. You can only reload for the following types of Cash Passports via the Website: a) Travelex Multi-currency Cash Passport; b) Travelex Globe Cash Passport; and c) Travelex Single Currency Cash Passport, together being the “Cash Passports”. 6.8 Minimum load amount. Reloads of the Cash Passports listed above at clause 6.7 are subject to a minimum load amount. Please consult clause 6.10 below for your card’s terms and conditions and for further information. 6.9 Cash Passport terms and conditions. If you reload a Cash Passport (whether on the Website or elsewhere), you will be subject to the terms and conditions set by the issuer of the Cash Passport. Cash Passport is issued by PrePay Technologies Limited pursuant to license by Mastercard International. PrePay Technologies Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money and payment instruments. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 6.10 Access to Cash Passport terms and conditions: a) Please click here for a copy of the terms and conditions for Travelex Single Currency Cash Passport and the Travelex Globe Cash Passport. b) Please click here for a copy of the terms and conditions for the Travelex Multi-currency Cash Passport. c) These terms and conditions will have been provided to you when you purchased your Cash Passport in store or if you bought your Cash Passport online. They will also have accompanied your Cash Passport when it was delivered to you. 7.Charges 7.1 If you choose to place an order for Travel Money or for the Travelex Money Card to be delivered to your home, we may charge you a home delivery fee. The home delivery fee applicable to your order will be displayed on the ordering screen at the time you place your order. 7.2 Travel Money, Cash Passports and the Travelex Money Card are sold commission free. 7.3 You can pay for orders with most credit or debit cards issued in the United Kingdom registered in your name and with sufficient funds available to cover your order and any applicable fees. 7.4 You will not be charged a card processing fee by us if you choose to pay by debit or credit card. However, your card issuer may apply additional charges and we recommend you check this with them before you buy your Travel Money. 8.Travelex Money App 8.1 The Travelex Money App (the “App”) is available for Android and Apple iOS mobile phone operating systems. We do not commit to continuously updating the App so that it works with your device. The App is provided over the internet and mobile networks and therefore we have no control over these third-party networks. 8.2 From time to time we may issue updates to the App which may affect your use of the App. These will be made available through the Apple App Store and Play Store and we recommend that you download and install all updates issued. We do not accept any liability for loss of use or loss of access to the App on the issuance of an update. 8.3 Certain functions of the App are available to use when you are not connected to your data provider, but you should be aware that the information displayed without a data connection, including currency prices and card balances and transactions, will not be live or real time information. 8.4 We may at any time and with immediate effect change, suspend, restrict access to, or withdraw the App where: a) there are concerns about the security of the App; b) we need to implement technical adjustments or make improvements to the App; c) we need to reflect changes in relevant laws and regulatory requirements; d) if we suspect your use of the App is illegal, fraudulent, or otherwise unauthorised; or e) if we reasonably believe that there are any other urgent reasons for suspending the use of the App. Where the App is being suspended or withdrawn, if it is not possible to notify you in advance, we will endeavour to notify you within a reasonable time period afterwards. 8.5 All content and services on or available through the App are provided on an "as is" basis and we do not make any representation or give any warranty of any kind (implied, statutory, or otherwise) in respect of the App or its contents. We do not give any warranty as to the accuracy, suitability, reliability, completeness, performance, fitness, freedom from viruses or other harmful content or timeliness of the content or services contained on the App. In addition, The App’s spending recommendation function should be treated as an indicative guide only, based on consumer research commissioned by us and actioned by a third-party research agency. Not all products and services are available in all geographic areas, and your eligibility for particular products and services is subject to our final determination and acceptance. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information. 8.6 We grant you a worldwide, non-exclusive, royalty-free revocable licence to download and use the App for your personal, non-commercial use in accordance with these Online Terms and Conditions. Copyright, database rights, trademarks and other intellectual property rights of any nature contained in the App, including but not limited to all software, design, text, images, sound recordings, animations, and video sequences, are owned or licensed, except as otherwise expressly stated, by us. You may access the App for your own use of the facilities offered, but you may not otherwise copy, transmit, display, perform, distribute (for compensation or otherwise), license, alter, store, reproduce, unzip, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the App or any of its content. 8.7 We may terminate your access and use of any part of the App at any time without notice if in our reasonable opinion you are in serious breach of any of these Online Terms and Conditions. If we terminate your right to use the App or withdraw the App in the event that you are in serious breach of these Online Terms and Conditions, all rights you have to use the App will end and you should delete the App from your device. We will notify you of the termination as soon as possible after the event. 8.8 You can end your rights to use the App at any time by deleting the App from your device. Once you no longer have access to the App, you will not have access to the data on the App. 8.9 By downloading or using the App in any way, you agree to these Online Terms and Conditions and our Privacy Statement. However, please note the following differences in respect of orders placed on the App: a) exchange rates may vary from the beginning of your search within the App to the completion of an order. However, you will be asked to confirm the final rate prior to committing to and paying for your order; and b) certain functions of the App may require you to log in using a password, biometric data, or other secure form of identification. 8.10 We use reasonable care and skill in providing the App. However, if we fail to do so and as a direct result of the App’s functioning damage is caused to your device or other digital content, we will pay for a repair or we may choose instead to make an appropriate payment. We would always recommend that you back up the content on your device. If you believe the App has caused damage to your device or to digital content on the device on which you use the App, please contact our customer services team immediately (see clause 1.2 above). 8.11 Other than as set out in clause 8.10 above, we shall not be liable to you in any way for: a) any losses, claims or damages you suffer as a result of us breaching the Online Terms and Conditions or incurred from your use of the App (whether or not such losses are foreseeable and could be contemplated by you and us at the time of entering these Terms); b) any indirect, or consequential losses, claims or damages suffered by you or incurred from your use of the App or the services provided however caused; c) if we are unable to perform any of our obligations to you due to a failure of any technical systems or for any other reasons beyond our reasonable control including, amongst other things, war, terrorism, government action, natural disaster, and industrial dispute; and d) any loss of information or unauthorised use of data arising as a result of your use of the App. However, nothing in the preceding is intended to exclude any liability for damage where such exclusion is prohibited by law. 9. Personal Information and Payment Security 9.1 Privacy Statement. Please click on this link Privacy Statement to find out how we use your personal information. By using the Website, you consent to such use and warrant that all information provided by you is accurate. 9.2 Our servers. We use secure server software to make our internet transactions secure. 9.3 Validation checks and authorisation. All credit and debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment, your order will not be accepted. 9.4 3D Secure. 3D Secure is a payment authentication protocol used by major card issuers, branded as 'MasterCard Secure Code' and 'Verified by Visa' to prevent credit card fraud. Depending on the card issuer, 3D Secure require the user to enter a Personal Identification Number (PIN) code or password whilst making internet purchases as a security step. This PIN code is not the same PIN code issued with the card. 3D Secure verifies the card details provided by you. The system is completely automated, and we do not store or process any of the data provided by the 3D Secure system. 10. Limiting Our Liability 10.1 No representation or warranty. All content and services on or available through the Website are provided on an “as is" basis and we do not make any representation or give any warranty in respect of the Website or its content. 10.2 No warranty. We do not give any warranty as to the accuracy, suitability, reliability, completeness, performance, fitness, freedom from viruses or timeliness of the content or services contained on the Website. 10.3 Use of site. Without limiting the exclusions at 10.1 and 10.2, the information services on the Website are intended for use by holiday or business travellers or by individuals or companies seeking to make payments abroad in foreign currencies, and should not be used for speculative gain, investment, or business purposes. 10.4 No reliance. These information services and other content of the Website are not intended to amount to advice on which reliance should be placed. We accept no responsibility or liability arising from any reliance placed on such services by any visitor to the Website or by anyone who may be informed of any of its contents. In addition, we give no assurances that you will receive the services for which you register. 10.5 Our provision of the Service. We use reasonable care and skill in providing the Service. However, we shall not be liable to you for the following: a) any failure by you to provide us with correct information when you place your order; b) any failure on the part of Royal Mail or any other carrier we use to send your order to deliver your order on time; c) if we are unable to perform any of our obligations to you due to failure of any technical systems or for any other reasons beyond our reasonable control including, amongst other things, war, terrorism, government action, natural disaster, pandemics, or other sanitary crises and industrial dispute; d) subject to 8.10, any damage to your computer equipment as a result of using the Website, the Service or the App; e) any loss of information or unauthorised use of data arising as a result of you using encryption systems below our recommended level; or f) any indirect, or consequential losses, claims or damages suffered by you or incurred from your use or delay or inability to use the Website or the Service however caused. 10.6 Cap on our liability. Our maximum liability to you in respect of each use of the Service for a Travel Money order shall be to refund the purchase price of that Travel Money order. 10.7 Statutory liability. The disclaimers and limitations of liability in these Online Terms and Conditions shall not apply to any damages arising from death or personal injury caused as a result of our negligence or that of any of our employees or agents or for fraud. 10.8 Unlawful and unenforceable terms. If any provisions of these Online Terms and Conditions including any disclaimers and limitations is found to be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. This does not affect your statutory rights. 11.Our Right to Cancel 11.1 We may refuse, withdraw, or cancel your Travel Money order at any time for any reason, including: (i) if we reasonably suspect that your Travel Money order has been placed for speculative gain, investment, or business purposes; or (ii) if there have been significant fluctuations in the exchange rate market following the placing of your Travel Money order. (iii) to ensure regulatory requirements are met; (iv) if your order fails our internal security checks. 11.2 If we do cancel your order in accordance with clause 11.1 above then we will notify you of this as soon as reasonably possible and provide you with a refund for any Travel Money that you paid for but did not receive. 12. Other Terms 12.1 Alteration of terms. We may, at any time and with immediate effect, in respect of future orders, change, suspend or withdraw the Website, the App, the Service and these Online Terms and Conditions without notice and without liability to you. If we revise these terms, we will post the revised version on the Website. You are expected to check our Online Terms and Conditions from time to time to take notice of any changes we make, as they are binding on you. By using the Website, the Service or by placing orders after we have changed these terms, you will be accepting the changes. 12.2 We are not responsible for delays outside our control. If our supply of the Services is delayed by an event outside our control, then we will contact you as soon as reasonably possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this, we will not be liable for delays caused by such event, but if there is a risk of substantial delay you may contact us to cancel your Order and receive a refund for any Services you have paid for but not received. 12.3 You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing. 12.4 Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms. 12.5 If a court finds part of these terms and conditions 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. 12.6 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. 12.7 Which laws apply to this contract and where you may bring legal proceedings if you are a consumer? These terms are governed by English law and you can bring legal proceedings in respect of the Service in the English courts. If you live in Scotland, you can bring legal proceedings in respect of the Service in either the Scottish or the English courts. If you live in Northern Ireland, you can bring legal proceedings in respect of the Service in either the Northern Irish or the English courts. 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