Online Orders terms and conditions (last updated 24 July 2023)

Read these Terms and Conditions carefully as they contain important information about our relationship with you. Please pay particular attention to clause 5 which sets out the limits of our liability to you.

1. THESE TERMS

   1. These terms apply to your online order. These terms and conditions ("Terms") will apply when you ("you" or "Customer") make an online order and reservation (together an "Order") for a vehicle advertised for sale ("Vehicle") by a vehicle retailer ("Dealer") on the Auto Trader website at www.autotrader.co.uk or any other Auto Trader platform (including mobile and tablet) ("Platform").

      Section A below will apply if you request a part exchange valuation of your current vehicle and (at your option and subject to these Terms) put the value towards the cost of buying the Vehicle as part of a part-exchange transaction with the Dealer. Section B below will apply if you choose to apply for a finance quote and (at your option and subject to these Terms) make an application with your preferred finance provider to cover the cost of buying the Vehicle.

   2. Please read these Terms carefully before you make an Order and use the Services (as defined in clause 4 below) on Platform. These Terms form the contract between you and Auto Trader in respect of your Order and your use of the Services and will be binding on all users of the Services. We suggest that you also keep a copy of these Terms for future reference

   3. These Terms may change from time to time so make sure you check these Terms each time you use the Services.

   4. Contract between you and the Dealer. Note that Auto Trader is not a party to the sale of the Vehicle to you (and/or the purchase of your current vehicle if you enter into a part exchange transaction) and accepts no liability or responsibility in respect of such transaction. There will be a separate legal contract between you and the Dealer for the purchase of the Vehicle (and/or the purchase of your current vehicle, as applicable).

2. INFORMATION ABOUT US

   1. Who are we? Auto Trader Limited is a company incorporated and registered in England and Wales (company registration number 3909628) with its registered office address at 4th Floor, 1 Tony Wilson Place, Manchester M15 4FN ("Auto Trader", "we", "us" or "our").

   2. Regulated information. Auto Trader Limited is authorised and regulated by the Financial Conduct Authority in relation to consumer credit and insurance mediated activities (Firm reference number: 735711). Auto Trader is a credit broker, not a lender. Auto Trader’s regulated activity is limited to facilitating introductions via the use of the Platform and it does not offer a source of credit or a finance product directly to Customers and it does not undertake any of the Dealer’s regulatory responsibilities.

3. QUERIES OR COMPLAINTS

   1. Who to contact if you have a query or complaint about these Terms or the Services. If you have any queries or complaints about these Terms or the Services (as defined in clause 4 below), please contact Auto Trader Order Experts at order.experts@autotrader.co.uk. If you have a specific complaint about the Online Finance Application Services, please see Section B below.

4. SERVICES

   1. Our Services. When you make an Order via the Platform, you can choose to use the services listed below, which are available on the Platform, ("Services") as part of your Order.

   2. Part Exchange – you can request a part exchange valuation of your current vehicle and then (if you choose and subject to this Part A of the Terms) put the value towards the cost of buying the Vehicle as part of a part-exchange transaction with the Dealer. Section A will apply;

      • SECTION A

        THE TERMS IN THIS SECTION A ONLY APPLY WHEN YOU USE OUR PART EXCHANGE SERVICE

        The terms set out in this Section A will apply if you choose to obtain a Part Exchange Valuation (as such term is defined below) in respect of your current vehicle that meets the requirements in clause 3 of this Section A below ("Current Vehicle") and, at your option, then choose to sell your Current Vehicle in connection with a part-exchange transaction.

        This Section A of the Terms sets out the contract terms between you and Auto Trader in respect of the Part Exchange Valuation and will be binding on all users of the Part Exchange service.

        If you choose to subsequently sell your Current Vehicle to the Dealer, on the basis of the Part Exchange Valuation (as such may be amended in accordance with this Section A) in connection with a part-exchange transaction, there will be a legal contract between you and the Dealer in respect of the sale of your Current Vehicle which is outside the scope of these Terms. Auto Trader is not a party to the sale of your Current Vehicle and accepts no liability or responsibility in respect of such transaction.

        Please make sure that you carefully check your Current Vehicle and provide accurate information about your Current Vehicle’s condition in the Condition Appraisal Form. If you do not provide accurate information about your Current Vehicle in the Condition Appraisal Form (and/or if you later provide additional relevant information to the Dealer), the Part Exchange Valuation you receive may be reduced at the point of Inspection.

        1. DEFINITIONS

           1. In this Section A, the following terms will have the following meanings unless the context otherwise requires:

              Term	Meaning
              "Assumptions"	means the assumptions that Auto Trader make about the Current Vehicle as set out in clause 2.4 of this Section A, which will be considered (amongst other things) in generating a Part Exchange Valuation;
              "Condition Appraisal Form"	means the online form you complete on the Platform to provide the condition of the Current Vehicle to generate a Part Exchange Valuation;
              "Contract of Sale"	means the contract between you and the Dealer for the purchase of your Current Vehicle in connection with a part-exchange transaction (or as otherwise agreed between you and the Dealer);
              "Final Valuation"	means the valuation the Dealer provides to you confirming the Purchase Price in accordance with clause 5.1 of this Section A, subject to the findings of the Inspection;
              "Inspection"	means the Dealer’s inspection of the Current Vehicle before the Final Valuation in accordance with clause 4.1 of this Section A;
              "Outstanding Finance"	means, in relation to the Current Vehicle, any outstanding finance and/or 'logbook' loan arranged with a third party;
              "Part Exchange Service"	means the part exchange valuation service that Auto Trader will provide to you, if you choose to utilise it as part of your Order, as further described in this Part A of these Terms;
              "Part Exchange Valuation"	means the estimated valuation of your Current Vehicle that Auto Trader will provide to you in accordance with clause 2 and clause 3 of this Section A, subject to the Assumptions and the Condition Appraisal Form having been completed in accordance with these Terms (and which may be varied by the Dealer in accordance with clause 4.3 of this Section A);
              "Purchase Price"	means the price for the Current Vehicle contained in the Final Valuation; and
              "Vehicle Documentation"	all sets of keys, service history documentation, MOT Certificate (if applicable), the V5/logbook showing you as the registered keeper, manuals, and any other documentation you have in relation to your Current Vehicle.

        2. PART EXCHANGE VALUATION SERVICE
           1. No obligation to part-exchange. The Part Exchange Valuation Service is optional and provided free of charge as part of building your Order. You are under no obligation to sell the Current Vehicle to the Dealer (including in connection with a part-exchange transaction) following a Part Exchange Valuation.
           2. Part-exchange contract between you and the Dealer. If you agree with the Dealer to part-exchange your Current Vehicle, there will be a legal contract between you and the Dealer in respect of the sale of the Current Vehicle which is outside the scope of these Terms. Auto Trader is not a party to the sale of the Current Vehicle and accepts no liability or responsibility in respect of such transaction.
           3. Provide accurate information about your Current Vehicle. Please carefully check your Current Vehicle and provide true, accurate and complete information about your Current Vehicle’s condition at the time you complete the Condition Appraisal Form. If you do not provide true, accurate and complete information about your Current Vehicle in the Condition Appraisal Form (and/or if you later provide additional relevant information to the Dealer), the Part Exchange Valuation you receive may be reduced at the point of the Inspection.

           4. The Part Exchange Valuation is based on the following assumptions ("Assumptions"). It is your responsibility to review the Assumptions and inform the Dealer at the time of (or prior to) the Inspection if any of them are incorrect:

              1. the Current Vehicle has not been used by the emergency services, used as a taxi, used by a driving school, or used as a lease vehicle;

              2. the Current Vehicle has not been categorised by insurers as a category S (formally category C, structurally damaged repairable) and/or category N (formally category D, non-structurally damaged repairable);

              3. the Current Vehicle has not sustained substantial accident damage, including damage that would, had it been assessed by an insurer, have rendered the Current Vehicle categorised as category A (scrap), category B (break), category S (formally category C, structurally damaged repairable) and/or category N (formally category D, non-structurally damaged repairable);

              4. any and all safety recalls applicable to the Current Vehicle have been dealt with in accordance with manufacturer instructions and, where required, any defect(s) fully remedied;

              5. where the Current Vehicle has a personalised registration number plate, you have all rights, title, and interest to sell that registration plate; and

              6. the Current Vehicle has an accurate mileage reading.

           5. Email confirmation. Once you have completed the Form and submitted your Order, you will receive an Order confirmation email from us. The email will contain a link to your account area in the Platform. You should check the Platform. You should check that the details in the email are correct and let us know as soon as possible if anything is incorrect (using the contact details in clause 3.1). The email will contain the Dealer’s contact details to enable you to arrange a date and time for the Dealer to conduct the Inspection within 7 days of the date of the Part Exchange Valuation at the location specified by the Dealer.
           6. The Part Exchange Valuation is valid for 7 days, subject to clause 4.3 of this Section A below.
           7. The Part Exchange Valuation is 'subject to contract'. The Part Exchange Valuation is provided strictly on a 'subject to contract' basis and the sale of the Current Vehicle to the Dealer shall only be completed at the point: (i) the Contract of Sale is entered into (following the Inspection and confirmation of Purchase Price); and (ii) a purchase contract is entered into in respect of the Vehicle you are purchasing from the Dealer as part of a part-exchange transaction (where applicable).
           8. Reservation of the Vehicle that you are interested in as part of proposed part exchange transaction. The Dealer will reserve the Vehicle (that you are interested in as part of the proposed part-exchange transaction) for you from the point you complete your Order and make the Reservation Payment (in accordance with clause 5 of these Terms). However, if you or the Dealer cancel the Order at any time before you enter into a purchase contract in respect of the Vehicle (in accordance with the cancellation rights sets out in clause 6 of these Terms), the Dealer will no longer be required to reserve the Vehicle for you. In such circumstances, your purchase of the Vehicle will be subject to the Dealer’s availability once the Inspection has been carried out and the Purchase Price for the Current Vehicle has been confirmed. In circumstances where the Vehicle has been sold by the Dealer, or otherwise becomes unavailable, before you are able to complete your proposed part-exchange transaction, the Dealer may (at the Dealer’s discretion) allow you to part-exchange your Current Vehicle for the Purchase Price in connection with an alternative vehicle or (at the Dealer’s discretion) the Dealer may offer to buy the Current Vehicle for the Purchase Price without a part-exchange transaction.
           9. Part Exchange Valuation is a guide price only. It is not a guaranteed part exchange valuation, so you should not place any reliance upon this guide price. Part Exchange Valuations given at any time are subject to this Part A and also subject to the Dealer’s part exchange terms, and the actual Purchase Price (where the part exchange transaction goes ahead) can vary as a result.The Part Exchange Valuation is not intended to be used as the sole basis for any decision making and we do not guarantee that the Part Exchange Valuation is the best price available for your Current Vehicle. It is your responsibility to satisfy yourself that you are selecting the best option for you.
        3. EXCLUDED VEHICLES

           1. Excluded Vehicles. We are unable to provide you with a Part Exchange Valuation in respect of certain excluded vehicles (as detailed in this clause). To be eligible for a Part Exchange Valuation the Current Vehicle must have a VRM which is registered with the DVLA and must comply with each of the following criteria:

              1. it is not a van, bike or any other non-car vehicle;

              2. it has a valuation of £50,000 or less;

              3. it is of an age of 15 years and 6 months or less;

              4. it has a mileage of 150,000 miles or less;

              5. it does not fall within certain prestige brands and models of vehicle which we notify you are unsuitable for part-exchange;

              6. it has not been imported, registered outside the UK, and/or re-registered (i.e. where the vehicle has been registered outside the UK and then re-registered back in the UK), and it is not a left-hand drive;

              7. it has not been categorised by insurers as a category A (scrap) or category B (break);

              8. it has not been stolen and recovered; and

              9. it has its true and proper registration mark and chassis number and/or vehicle identification number and which corresponds to the car’s registration documents.

           In addition to the above, in some cases, we may not be able to provide a Part Exchange Valuation if the Current Vehicle is an unusual model, has a personalised number plate or has only recently been registered.

        4. VEHICLE INSPECTION
           1. Vehicle Inspection. Before completing the part-exchange of the Current Vehicle or issuing the Final Valuation, the Dealer shall be entitled to check the Vehicle Documentation (which shall include confirming evidence of a service history and the presence of a working key for the Current Vehicle) and conduct an Inspection of the Current Vehicle to confirm and verify the Assumptions and other details you provided in the Condition Appraisal Form. The Inspection may be conducted in-person, online or over the telephone, at the Dealer’s option. You agree to provide the Dealer with the Vehicle Documentation and any further information and/or photographs or imagery of the Current Vehicle that the Dealer reasonable requests. You agree to inform the Dealer, at the time of (or prior to) the Inspection, if any of the Assumptions or other details you provided in the Condition Appraisal Form are untrue, inaccurate and/or incomplete and/or of any other information that you are aware may be relevant to the Part Exchange Valuation. In the event of an in-person Inspection, the Current Vehicle may undergo mechanical examination and/or test driving.
           2. Dealer’s liability for delay or failure to conduct an Inspection. The Dealer accepts no liability for any delay or failure to conduct the Inspection if and to the extent that the delay is due to circumstances beyond the Dealer’s reasonable control.
           3. The Dealer’s right to change or withdraw the Part Exchange Valuation. Even after you have completed your Order, the Dealer reserves the right to change the Part Exchange Valuation or withdraw the Part Exchange Valuation, following the Inspection or other checks in respect of the Current Vehicle. This includes (without limitation) circumstances where: (i) the information you provided in the Condition Appraisal Form is untrue, inaccurate and/or incomplete and/or if you have later provided to the Dealer (or the Dealer has otherwise become aware of) any additional relevant information, as a result of which the Dealer deems that the condition and/or valuation of the Current Vehicle is different to that assessed for the purposes of the Part Exchange Valuation; (ii) any of the Assumptions set out in clause 2.4 of this Section A are incorrect; and/or (iii) in the circumstances described in clause 7.2 of this Part A. If the Dealer decides to withdraw or change the Part Exchange Valuation in accordance with this clause, this will usually be communicated to you in person at the site of the Inspection (or in exceptional circumstances by telephone or email following the Inspection). You are under no obligation to sell the Current Vehicle to the Dealer following a revised Part Exchange Valuation.
        5. VEHICLE PURCHASE
           1. Purchase of the Current Vehicle. Following completion of the Vehicle Inspection, the Dealer will immediately provide you with an on-site Final Valuation, which, subject to clause 4.3 of this Section A, will be the same as the Part Exchange Valuation. For the avoidance of doubt, the Final Valuation will constitute an offer from the Dealer to purchase the Current Vehicle for the Purchase Price subject to the Contract of Sale and your purchase of the Vehicle or, if agreed between you and Dealer, another alternative vehicle from the Dealer as a component part of a part-exchange transaction.
           2. The Final Valuation will be deemed accepted by you at the point you sign the Contract of Sale. The Contract of Sale will be entered into simultaneously with a purchase contract between you and the Dealer in respect of the vehicle you are purchasing as a component part of the part-exchange transaction (where applicable).
           3. Once you have signed the Contract of Sale, the Purchase Price will be applied towards the cost of the vehicle you are purchasing from the Dealer under a purchase contract as a component part of the part-exchange transaction, and such cost shall be reduced accordingly, subject to these Terms.
           4. Title and risk to the Current Vehicle passes from you to the Dealer in accordance with the Contract of Sale. Please confirm this with the Dealer before entering into the Contract of Sale.
           5. You are under no obligation to sell the Current Vehicle to the Dealer following a Final Valuation. If you do not accept the Final Valuation, it will be deemed to be immediately withdrawn. At your option, you will be able to continue with the other elements of your Order (i.e. the purchase of the Vehicle and, if applicable, your Finance Application), without continuing with the part exchange of your Current Vehicle (although this may lead to a change in the amount of credit you require for the purchase of a Vehicle). If you subsequently change your mind and decide that you want to add a Part Exchange Valuation to your Order again, you will need to submit a new Order via the Platform in order to generate a new Part Exchange Valuation and the Dealer will need to carry out another Inspection before making another Final Valuation to confirm that no relevant factors have changed.
        6. VEHICLE HANDOVER

           1. Information for you to provide to the Dealer. At the time the Contract of Sale is made, you agree to provide the Dealer immediately with:

              1. the Vehicle Documentation; and

              2. any accessories that should be present with the Current Vehicle.

           2. You must remove personal possession from the Current Vehicle. You agree to remove any personal possessions from the Current Vehicle and reset any devices on which personal details or information is stored. The Dealer will not be responsible for any personal items in the Current Vehicle once the Current Vehicle is in its possession.

           3. If you fail to comply with any of the handover requirements set out in this clause the Dealer reserves the right to withdraw the Final Valuation.

        7. OUTSTANDING FINANCE ON THE CURRENT VEHICLE.
           1. Inform the Dealer. You agree to inform the Dealer if the Current Vehicle is the subject of any Outstanding Finance.
           2. Dealer may agree to settle any Outstanding Finance. As part of the Final Valuation the Dealer may agree to settle any Outstanding Finance sum on the Current Vehicle where the Outstanding Finance sum is the same as or less than the Purchase Price. However, if the Outstanding Finance sum is more than the Purchase Price the Dealer may not wish to purchase the Current Vehicle and the Dealer reserves the right to withdraw any Final Valuation.
           3. You will remain liable for any Outstanding Finance. If the Dealer agrees to settle any Outstanding Finance sum the Dealer is doing so entirely on your behalf and you will remain fully liable to the lender or finance provider (as appropriate) at all times until the Outstanding Finance sum has been paid in full and the credit agreement has been legally brought to an end. The Dealer accepts no liability whatsoever in relation to any matters relating to Outstanding Finance on the Current Vehicle.
           4. If the Dealer agrees to settle any Outstanding Finance sum, you must provide the Dealer with a valid settlement letter or grant the Dealer authority to discuss your finance with the lender or finance provider. The Dealer shall use reasonable endeavours to settle payment by the due date advised to the Dealer (if any).

      • Finance – you can get a car finance quote and, if you wish, make an application with your preferred finance provider, to cover the cost of buying the Vehicle. Section B will apply;

      • SECTION B

        THE TERMS IN THIS SECTION B ONLY APPLY WHEN YOU USE OUR ONLINE FINANCE APPLICATION SERVICE

        What is the role of Auto Trader? Auto Trader runs a platform allowing its Dealers to display their vehicles for sale and to help facilitate you receiving finance quotes from the Dealer’s panel of lenders based on eligibility, as well as the option to be introduced to a Broker to facilitate finance through the brokers’ panel of Lenders. Once you have started your Order for a Vehicle and decided that you would like to explore car finance, Auto Trader’s platform will provide you with information to help support you making an informed decision on the different types of finance products and to decide on which finance product is the most suitable.

        You will be presented with a choice of finance quotes to select from based on your personal and financial circumstances (including a soft credit search) for you to review and compare. You can then choose if you wish to progress with your chosen Lender to the full application process to receive a decision from the Lender.

        This Section B outlines the way Auto Trader shall carry out its work for you and will form your contract with Auto Trader.

        By completing and submitting your Order, you agree that you:

        1. accept our Terms contained herein;

        2. acknowledge that Auto Trader shall act as a credit broker in making any referral or introduction of you to the Dealer;

        3. acknowledge that in making any such referrals or introductions, no advice or recommendations have been given by Auto Trader;

        4. accept that these Terms shall apply to all activities and transactions arranged by Auto Trader;

        5. are a UK resident and hold a UK bank account; and

        6. have read and understood our Privacy Policy.

        About the Online Application Service. The Online Application Service allows you to obtain Estimates of finance products which may be available on the Vehicle based on some options you select, to obtain Personalised Quotes of credit from Lenders, to make a Credit Application with a Lender in respect of the Vehicle and to receive a response to that Credit Application which may result in an Offer (the "Online Application Service").

        The terms set out in this Section B set out the contract terms between you and Auto Trader in respect of the Online Application Service and will be binding on all users of the Online Applications Service.

        Auto Trader is responsible for presenting Estimates; displaying Personalised Quotes (based on lender terms and eligibility criteria and credit bureau checks); submitting a Credit Application to a lender or broker (on your behalf); and presenting lender decisions back to you. If you proceed with any application for finance this will be subject to the Lender’s terms and conditions. There will be a separate legal contract between you and the Lender for the Credit Application and between you and the Dealer for purchase of the Vehicle.

        Will you have to pay for our services? There is no charge to you by Auto Trader for use of the Online Application Service or for introducing you to Dealers and their panel of Lenders. We will however receive a fee from the Dealer for the service which allows the Dealer to display finance options in respect of the vehicles it advertises on our Platform and we will also receive a fixed fee from the Broker if a Lender from the Broker Panel provides you with the finance to purchase your Vehicle.

        The contract for the Credit Application is as between you and the Lender and purchase of the Vehicle in connection with a Credit Application is as between you and the Dealer.

        1. DEFINITIONS

           1. In this Section B, the following terms will have the following meanings unless the context otherwise requires:

              Term	Meaning
              "Broker"	Means CarMoney Limited, who is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity (FRN 674094) (with registered address: Pioneer House, 2 Renshaw Place, Holytown, ML1 4UF, Scotland Company Number: SC467274);
              "Broker Panel"	Means the service provided by Auto Trader in partnership with the Broker, which (if opted in to by a Dealer) allows Auto Trader to provide details of an alternative Personalised Quote to a Customer by the Broker' lenders, in addition to those supplied by the Dealer' Lenders. The Customer can select a Personalised Quote provided by the Broker' lender and submit a full Credit Application to the Broker' lender;
              "Credit Application"	Means an application for finance made by you in response to a Personalised Quote directly with a Lender;
              "Decision"	Means the decision from the Lender in response to a Credit Application, which may be either an Offer or a decline;
              "Estimate(s)"	Means the estimate(s) provided to you by Dealers, as displayed by Auto Trader on the Platform, giving you an indication of the finance products that may be available to you for purchase of the Vehicle;
              "Finance Agreement"	Means the contract entered into between the Customer and the Lender when the Lender accepts the Customer' Credit Application, which details the terms and conditions upon which Lender is providing finance to the Customer;
              "Lender(s)"	Means the Dealer' lenders (and where applicable, in the context, the Broker' lenders) who provide Personalised Quotes and Decisions (as applicable) as displayed on the Platform, and with whom any Credit Application is made;
              "Offer"	Means an offer for credit provided by the Lender to you in response to a Credit Application, which could be conditional upon the Lender requiring further information or validation;
              "Personalised Quote"	Means the personalised quote and/or (in some case) eligibility score provided to you by Lenders (including, where applicable, the Broker' lenders) after you provide further details (as further described in clause 4 of this Section B), as displayed by Auto Trader on the Platform;
              "Vehicle"	Means the vehicle, in respect of which you are interested in obtaining Estimates, a Personalised Quote and a Decision (as applicable) from the Lenders.

        2. THE ONLINE APPLICATION SERVICE

           1. The Online Application Service allows you to obtain Estimates and Personalised Quotes from the Dealer’s selected Lenders (and, where applicable, the Broker’s lender) in respect of a Vehicle, as part of an Order. You must be a UK resident and aged 18 or over to apply for finance and any Credit Application is subject to status and affordability checks. You may then, as part of an Order, make a Credit Application with a particular Lender in order to finance the potential purchase of the Vehicle and you will receive a Decision.

           2. The Online Application Service is provided free of charge to you and on a no obligation basis. You are under no obligation to use the Online Application Service in connection with an Order or otherwise purchasing the Vehicle from the Dealer.

           3. You may only use the Online Application Service if you are interested in applying for credit as an individual and are not applying for credit for your trade or business. You may only use the Online Application Service on your own behalf. Please be aware that Lenders may apply restrictions as to the use of a Vehicle.

           4. You must ensure that all details you provide as part of the Online Application Service are honest and accurate in all respects.

        3. ESTIMATES

           1. Build your estimate. Once you have selected a Vehicle and started your Order, the first step of the Online Application Service is to ‘build your estimate’. As part of this step, you have the option to select different options to indicate your preferences for the Estimates (for example part exchange, cash deposit, mileage, and duration of the credit). However, you should be aware that the Estimates that you receive may not necessarily include all or any of your desired options, because the Estimates can only be based upon what is actually available by each Dealer.

           2. Estimates are intended to give you a reasonable indication of the finance quotes which could be available for you from Lenders. They are indicative and representative only and are subject to change in accordance with your particular circumstances. All Estimates are provided by the Dealer based on their general information from their panel of lenders and not by Auto Trader. Auto Trader is responsible for the presentation of the Estimates on the Platform in accordance with the responses provided by the Dealer (based on representative rates), but Auto Trader has no responsibility for the content of the Estimates returned by the Dealer (or the data on which they are based) and you should not place any reliance on any Estimate as a guarantee of whether you will be eligible for any credit, or what terms that credit will be offered on.

           3. Where you obtain an Part Exchange Valuation for your Current Vehicle (as described in Section A above), you should be aware that this is a guide price only. It is not a guaranteed part exchange valuation, so you should not place any reliance upon this guide price. The actual Purchase Price (where the part exchange transaction goes ahead) can vary (which may lead to a change in the amount of credit you require for a Vehicle).

           4. The Estimates may reflect different types of finance products that are available. These range from Hire Purchase (‘HP’), Conditional Sale (‘CS’) or Personal Contract Purchase (‘PCP’).  uto Trader provides some general guidance and explanations on the different types of finance products on the Platform, however this is for background information only and does not constitute financial advice or any personalised advice as to what may be suitable for your own needs. Please be aware that the Estimates are not intended to give you an exhaustive overview of every type of finance product that could be available for purchase of the Vehicle. Please also note that it may be that the actual products available via the Dealer’s lending panel are restricted due to the financial purpose, business structure and/or credit appetite of certain Lenders.

           5. We recommend that you seek your own advice as to what financial quotes are best for your individual personal circumstances. Other finance options may be available, and it is your responsibility to satisfy yourself that you are selecting the best option for you.

        4. PERSONALISED QUOTES

           1. Obtain Personalised Quotes. The next step in the process is to choose one of the options available to you as an Estimate and proceed to obtaining Personalised Quotes. Personalised Quotes are an indicative interest rate and/or eligibility score that is personal to you and based on your credit score data and the Lender’s suitability criteria. You will need to insert further details in order to receive Personalised Quotes, which are more tailored to your particular circumstances.

           2. To show you Personalised Quotes, Auto Trader will need to share your details with credit agencies, Experian and Equifax,  who will share only necessary details from your credit file, including your credit score. See clause 8 of this Section B if you need to contact them to find out more about this and also the Privacy Policy  (https://www.autotrader.co.uk/privacy-notice) which explains how Auto Trader shares your details and how they use your details. 

           3. In most cases, the Lenders provide Auto Trader with their suitability criteria terms and conditions in advance (as may be amended from time to time) and Auto Trader uses this information to assess which of the Lenders can offer you suitable credit arrangements. If there are suitable quotes available to you and suited to your circumstances, they will be displayed to you as Personal Quotes. Auto Trader also shares your personal details (but not your credit file) with the Dealer so they can continue the finance enquiry. Subject to clause 4.4, your details are not shared with any Lenders until you make a Credit Application, as described in clause 6 of this Section B.

           4. In some case, where a Lender offers additional capability, we will share your data with the Lender at this stage in order for the Lender to make an assessment based on their complete lending criteria in order to provide: (i) an enhanced Personalised Quote, which could include a "rate for risk" assessment; and/or (ii) an eligibility score, which is the percentage likelihood of you being accepted for a certain finance product.

           5. When you receive Personalised Quotes in accordance with either clause 4.3 and/or clause 4.4 of this Section B, there is no impact on your credit score as only a soft search will be carried out by the credit agencies (as described in clause 4.2 of this Section B above).

           6. Although the Personalised Quotes are more tailored to you than Estimates, they are subject to change in accordance with your particular circumstances. All Personalised Quotes are provided based on the Lender’s eligibility terms and criteria and credit bureau checks obtained from Experian and Equifax. Auto Trader has no responsibility for the Personalised Quote other than to present them to you on the Platform and you should not place any reliance on any Personalised Quote as a guarantee of whether you will be eligible for any credit, or what terms that credit will be offered on.

           7. Personalised Quote are not available for any particular period of time, and they cannot be saved to use for a Credit Application at a later date. If you choose not to apply for a Credit Application in response to a Personalised Quote, you may find that if you use the Online Application Service at another time to obtain Personalised Quotes, the Personalised Quotes may differ to those you have previously received.

           8. The Personalised Quote that you receive may not necessarily include all or any of your desired options, because the Personalised Quote can only be based upon what is actually available by each Lender Each Lender may have a different criteria or available options for Personalised Quotes, so this means that the Personalised Quote that may be returned by one Lender on one vehicle may differ from another Lender and another vehicle. Each Dealer has its own selected panel of lenders (and separately agreed rates), which may change from time to time (the Broker’s panel or lenders and their rates may also from time to time).

        5. BROKER’S PANEL

           1. A Dealer may, at its option, choose to sign up with Auto Trader to offer the Broker Panel service. The Broker Panel service may not be available in respect of all Vehicles.

           2. Auto Trader acts as an introducer to the Broker who is a credit broker, not a lender. The Broker does not form part of the Dealer’s panel of Lenders.

           3. The Broker can introduce you to a limited number of finance providers (a list of these is available on request from Auto Trader) who may be able to provide finance to facilitate the purchase of a Vehicle.

           4. The rates shown for the Broker on the Personalised Quotes page are representative and specific to the Broker’s lender panel and will be based on your credit score. These are for illustrative purposes only and are subject to change based on additional checks by the Lender and the Credit Application.

           5. The Broker will receive a commission for introducing you to one of its lenders if your Credit Application is approved. If your Credit Application is approved with the Broker, when you make the Credit Application as part of your Order, the Broker will pay Auto Trader a fixed fee (such fee will not be dependent on the type of finance you select).

           6. The Broker uses a multiple-proposal approach where it conducts multiple credit searches (which may include multiple hard credit searches), as further described in the Broker’s terms and conditions which are made available to you if you select Personalised Quote from the Broker’s lender or available here: CarMoney T&Cs.

        6. CREDIT APPLICATION AND DECISIONING

           1. Once a Personalised Quote is selected a summary of the Personalised Quote is presented to you. This includes key financial information, an overview of the Lender’s terms and other important information that you should read before choosing to proceed with the Credit Application.

           2. If you choose to apply for a Credit Application in respect of a Personalised Quote, the Lender will assess whether your Credit Application is successful or not (based on its lending criteria and may also complete a hard check against your credit file) and you will receive a Decision from the Lender. If your Credit Application is successful, you will receive an Offer (which may be conditional). If your Credit Application is unsuccessful, you will not receive an Offer, however we will confirm the name and contact details of the party from whom we obtained our information and we may pass your details to the Dealer and/or the Lender who may contact you to discuss other finance options with you. You will have the opportunity to review your other Personalised Quotes (if applicable) and make another Credit Application if you wish.

           3. If you wish to apply for a Credit Application in response to a Personalised Quote from a Lender, Auto Trader will submit your application to the selected Lender and it may result in a hard check for that Lender appearing on your credit report. Please be aware that each hard check is visible to other lenders and if you make multiple Credit Applications it may have an impact on your credit score and may impact your likelihood of getting credit in the future.

           4. You may need to answer a series of questions which enable Lenders to gather further information to help them assess your Credit Application. Auto Trader is not responsible for the selection of questions or the response options available for each question, which are set by Lenders.

           5. If you receive an Offer and submit your Order, the Dealer will contact you(by email or telephone, depending on the contact details you have provided as part of your Order) to finalise your purchase of the Vehicle, using the Credit Application, including issuing you with the necessary paperwork and putting you in contact with the Lender. The Offer may be available for acceptance within a set period only. If this is the case, the Lender will make this clear to you at the time of providing the Offer. The period which an Offer may be available may differ from time to time and as between Lenders.

           6. If the Offer is conditional, it means that it may be subject to further verification (for example, the supply by you of evidence) or information as requested by the Lender.  If you wish to part-exchange your Current Vehicle then the valuation of your Current Vehicle (once inspected by the Dealer) may mean that the amount of credit you actually borrow from the Lender changes.

        7. THE FINANCE PROCESS

           1. By making a Credit Application through our Platform, you are stating your intention to select finance if available to you via one of the Dealer’s panel of Lenders subject to these Terms and the terms of your Finance Agreement.

           2. Once the Lender has confirmed acceptance of your Credit Application, the Lender will notify you of the acceptance and any accompanying terms and conditions.  Acceptances are valid for a limited period. You will need to submit a new Order and Credit Application via the Platform if this period lapses. The Dealer’s lending panel reserve the right to withdraw its acceptance of any finance offer, on up to a maximum of 30 days having elapsed from the date the Offer being made and/or any time if they become aware of any information that adversely affects your financial status. If the Lender approves your Credit Application, you will be provided with the Finance Agreement to be signed and at which point a contract will be formed between you and the Lender for the finance and use of the Vehicle. The Vehicle will not be released to you by the Dealer until the Finance Agreement is signed by both parties.

           3. Once the Finance Agreement has been signed by you and the Lender, the Dealer will be deemed to agree to supply the Vehicle to you. Where you select Hire Purchase, Conditional Sale or Personal Contract Plan finance terms, the Lender will purchase the Vehicle that you have selected from the Dealer for the purpose of financing the Vehicle to you on the finance terms agreed between you and the Lender.

           4. If you do decide to proceed to finance your Vehicle, completion of your order and delivery of your new Vehicle is conditional on you signing the Finance Agreement with your chosen Lender. The Lender will provide instructions and guidance on how to return your signed Finance Agreement.

           5. By signing and returning the Finance Agreement you are making an offer to enter into the Finance Agreement. The Lender’s acceptance of your offer to enter into your chosen finance package will take place after you have signed the Finance Agreement and provided all documentation requested by the Dealer and/or the Lender. The Dealer and/or the Lender will determine if the documentation is completed to its satisfaction and the Dealer and/or the Lender will contact you if there are any issues and the Lender has confirmed acceptance to you.

           6. Where you finance the Vehicle under a Personal Contract Plan, Hire Purchase or Conditional Sale Agreement, you will not own the Vehicle until the Lender has received payment in full, including the optional final payment.  Please refer to your Finance Agreement for further details.

           7. You will be the registered keeper of the Vehicle  and you are responsible for taxing, insuring, and servicing the Vehicle while you remain the registered keeper.

        8. ROLES AND RESPONSIBILITIES

           1. The table below is intended to help you understand the roles and responsibilities that Auto Trader, the Dealer, the Lender and Credit Reference Bureaus each has in the Online Application Service journey, and the contact details should you have a query or issue in relation to each part of the Online Application Service journey:

              Meaning	Term
              Presenting you with Estimates based on the choices you make (i.e. part exchange, cash deposit, mileage and term)	Auto Trader
              Providing Auto Trader with lenders and the data (including representative rates of interest) that form the basis of the Estimates presented to you.	Dealer
              Providing information to you to assist you in making an informed decision about which finance product is right for you.	Auto Trader
              Presenting you with any suitable Personalised Quotes for finance from the Dealer’s lender panel based on your individual circumstances (including the completion of a soft credit search).	Auto Trader
              Providing information to Auto Trader regarding your credit file resulting from a soft credit search.	Experian and Equifax
              Providing Auto Trader with the data (including representative rates of interest) that form the basis of the Personal Quotes presented to you.	Dealer
              Enabling the application process with Dealer’s lenders should you choose to apply through the Platform.	Auto Trader
              Outlining the next steps you need to take with the Dealer should your application for credit be successful.	Auto Trader
              Completing additional credit and affordability checks (which may include a hard credit search) to assess your application for credit.	Lender
              Providing you with all relevant regulatory paperwork and information about the finance product you have applied for (pre-contract information and credit agreement).	Lender
              Introducing you to the Broker Panel Service	Auto Trader
              Providing the Broker Panel Service.	Broker (CarMoney)

           2. Auto Trader always tries to maintain the highest levels of Customer care and is passionate about treating its Customers fairly.  So, if you have any concerns about the Online Application Service please contact us at https://www.autotrader.co.uk/contact-us#complain.

           3. Please contact the relevant parties, based on the responsibilities shown in the table above.

           4. If you wish to contact the Dealer or Lender, based on the responsibilities shown in the table above, their contact details can be found via their websites.

           5. If you have a query about your credit file contact Experian and Equifax via the contact details to be found via their websites.

        9. CONTACTS AND COMPLAINTS RELATING TO THE ONLINE APPLICATION SERVICE.

           1. We aim to resolve your complaint as quickly and fairly as possible.

           2. When we receive your complaint, relating to the Online Application Service, we’ll send you an acknowledgement email within three working days which will explain how we plan to investigate it, including a copy of our complaints handling procedure.

           3. Whilst investigating your complaint we may need to obtain more information from you or any third party involved in the complaint.

           4. We’ll keep in touch while we’re looking into your complaint and we’ll be happy to answer any queries you may have about how we’re progressing.

           5. If the complaint isn’t resolved after a period of 8 weeks we’ll send you an email with either our final response or to explain why we’ve not been able to complete our investigation.

           6. If we haven’t been able to finalise our investigation within 8 weeks, we’ll also let you know when we expect to be able to provide you with a final response. We will also include a copy of the Financial Ombudsman Service (FOS)’s explanatory leaflet, setting out further details of the service they provide and how to refer your complaint to them.

           7. We have the right to decline any complaint received more than 6 years from the date of the incident you’ve complained about, or (if later) more than 3 years after you were (or ought reasonably to have been) aware of a cause for complaint.

           8. We will, however, be happy to consider any exceptional circumstances that you feel have resulted in a delay in raising a compliant to us.

           9. If you are unhappy with Auto Trader’s response to a complaint you have the right to refer it to the Financial Ombudsman Service (FOS),  as follows:

              By post:
              The Financial Ombudsman Service
              Exchange Tower
              London
              E14 9SR

              By telephone:
              0800 023 4567 or 0300 1239 123

              By email:
              complaint.info@financialombudsman.org.uk

              Website:
              https://www.financial-ombudsman.org.uk/

   • Delivery or collection – where this service is offered by the relevant Dealer, you can choose to have the Vehicle delivered to you or collect it from the Dealer. Note that Auto Trader is not a party to the contract for the delivery of the Vehicle (which will be subject to the Dealer’s terms and conditions of service) and Auto Trader accepts no liability or responsibility in respect of such delivery service; and

   • Reservation – to complete your Order, you will be required to pay an amount to reserve the Vehicle (“Reservation Payment”) in accordance with clause 5 below.

5. RESERVATIONS AND COMPLETING YOUR ORDER
   1. DEFINITIONS. In this clause 5, the following terms will have the following meanings unless the context otherwise requires:

      Term	Meaning
      "Reservation"	means the confirmed reservation of the Vehicle, once you have paid your Reservation Payment;
      "Reservation Payment"	means the amount to be paid by you for the Reservation; and
      "Vehicle"	means the vehicle, which you are interested in purchasing from the Dealer in connection with a Reservation.

   2. You will need to pay the Reservation Payment to reserve your Vehicle. Once you have paid the Reservation Payment and submitted your Order, you will receive an Order confirmation email from us confirming the reservation of the Vehicle by the Dealer. The Vehicle is not reserved until you complete your Order and have received the Order confirmation email. Once you have completed and submitted your Order, you are not able to go back and amend your Order via your account on the Platform. If you wish to make changes to your Order once it’s been submitted, you should contact the Dealer direct.
   3. Auto Trader partners with Stripe Payments Europe, Ltd. ("Stripe"). When you make a Reservation Payment it will be processed by Stripe and will be subject to Stripe’s Terms and Conditions. The Reservation Payment will be held by Stripe until it is refunded to you in accordance with clauses 5.6, 5.7 and 5.8 below, and it will not be transferred to the Dealer at any point. Auto Trader does not hold your credit or debit card details.
   4. The Reservation Payment is a sum to be paid for reserving the Vehicle (for a maximum of 21 days) only. It is not a Part payment or deposit towards the price of the Vehicle and it does not guarantee that the Vehicle will be sold to you or that the Vehicle will be available for you to purchase from the Dealer.
   5. The Dealer will contact you. Once you have paid the Reservation Payment in respect of a Vehicle and submitted your Order, the Dealer will contact you by email or telephone (depending on what contact details you have provided as part of your Order) to make an appointment for you to view the Vehicle.
   6. Automatic refund of the Reservation Payment on confirmation of your purchase of the Vehicle or cancellation of your order. Stripe will automatically refund your Reservation Payment on receipt of confirmation that: (i) you have completed the purchase of the Vehicle, which you can do by replying to our email (which will be sent to you within 48 hours of you completing your Order) or by updating your account area on the Platform; (ii) you have cancelled your Reservation in accordance with clause 6.1 below; or (iii) the Dealer has cancelled your Reservations in accordance with clause 6.4 below.
   7. Automatic refund of the Reservation Payment on the 21st day after your Order. If the refund of your Reservation Payment is not triggered earlier in accordance with clause 5.6 above, the Reservation will be cancelled and Stripe will automatically refund the Reservation Payment to you on the 21st day after completion of your Order.
   8. Refunds will be processed by Stripe only and are subject to Stripe’s Terms and Conditions. Refunds will be paid to the same bank account that the Reservation Payment was paid from and may take up to 3 to 5 days to be processed. The exact timing of your refund payment will depend on your bank’s lead times.
   9. You can save and return to uncompleted Orders. You can save and return to uncompleted Orders (including adding and/or removing a Part Exchange Valuation and/or Finance Application) later, by logging into your account on the Platform. The Vehicle will not be Reserved until you have completed your Order and received the Order confirmation email in accordance with clause 5.2.
6. CANCELLATION OF YOUR ORDER
   1. You may cancel your Order at any time (before you enter into a contract with the Dealer to purchase the Vehicle) and obtain a refund of the Reservation Payment in accordance with clause 5.6 or clause 5.7 above. You may cancel your Reservation either by replying to our email (which will be sent to you within 48 hours of you completing your Order) or by updating your account area on the Platform.
   2. Valuations remain valid after cancellation of your Reservation. If, as part of your Order, you obtained a Valuation of your Current Vehicle (in accordance with Section A above), your Valuation will remain valid even after cancellation of your Reservation (subject to Section A above).
   3. Credit Applications remain valid after cancellation of your Reservation. If, as part of your Order, you make a Credit Application, your Credit Application will remain valid even after cancellation of your Reservation and may be transferred to another vehicle, to be arranged off-line with the Dealer (subject to Section B above). If you wish to cancel your Credit Application, please contact the Dealer.
   4. Dealer’s right to cancel a Reservation. The Dealer reserves the right to cancel the Reservation at any time if:

      1. the Vehicle is unavailable for any reason;

      2. despite reasonable attempts, the Dealer has not been able to contact you to discuss the sale of the Vehicle within a reasonable period after your Order is completed; or

      3. you have made multiple Reservations with the same Dealer without purchasing a Vehicle.

   5. If you have not completed the purchase of the Vehicle and the Reservation has not been cancelled any earlier for any reason, the Reservation will be cancelled on the 21st day after completion of your Order and the Reservation Payment automatically refunded in accordance with clause 5.7.
   6. The Vehicle can be readvertised on cancellation of the Reservation. Once the Reservation has been cancelled for any reason, the Dealer is entitled to readvertise the Vehicle on the Platform.
7. USE OF THE PLATFORM AND SERVICES
   1. Use of our Platform. Your use of the Platform is subject to our Terms of Use https://www.autotrader.co.uk/terms-of-use. If you do not agree to the Terms of Use, we ask you to cease using the Platform.
   2. The Services are only available to individual consumers. You are only permitted to use the Services if you are an individual consumer and are not ordering a Vehicle in the course of any trade or business.
   3. You must use the Services in good faith and only seek to use the Services and submit an Order in respect of a Vehicle if you are genuinely interested in purchasing that Vehicle.
   4. You must not provide false information or act unlawfully. You must not provide false information or data, including false names, addresses and/or contact or payment details or engage in any unlawful activity in connection with our Platform, your Order and/or your use of the Services. If we reasonably believe any information or data provided by you is fraudulent or you have otherwise violated any applicable law when placing your Order, using the Services and/or using our Platform, even if you have submitted your Order, we reserve the right to cancel it and in such circumstances, Auto Trader reserves its right to prevent you from using the Services in future. We may also tell the Dealer, the Lender and fraud prevention agencies about your fraudulent application and share the information you provided with them.
8. YOUR ACCOUNT

   1. Keep your account details secure. In order to use the Services, you are required to register for an account. You must keep your account password and any other relevant security details confidential and you must If you know or suspect that anyone other than you knows your account password or if you suspect any fraudulent activity relating to your account, you must promptly notify us at customersecurity@autotrader.co.uk. For any general queries regarding your account, please contact enquiries@autotrader.co.uk.

   2. We have the right to disable any account or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

9. YOUR PERSONAL DATA

   1. We use your personal data as set out in our Privacy Notice. How we use any personal data you give us is set out in our Privacy Notice.

   2. Personal data shared with the Dealer and/or Lender. Any personal data that we share with the Dealer (for the purpose of progressing the Order) and/or Lender (for the purpose of progressing an online finance application) shall be processed in accordance with such third party’s privacy policy (which is available on request from the Dealer or Lender, as applicable).

10. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
    Whether you are a consumer or a business user:
    1. 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 and for fraud or fraudulent misrepresentation.
    2. To the extent permitted by applicable law (and subject to clause 10.1 above), Auto Trader (and its group companies) shall have no liability to you for any loss or damage you suffer or incur in respect of:
       1. your transaction with Stripe to pay the Reservation Payment or any failure to, or delay in the, refund of the Reservation Payment by Stripe;
       2. any cancellation of your order and Order by the Dealer in accordance with clause 6.4 of these Terms;
       3. your transaction for the purchase of the Vehicle (or any other vehicle) from the Dealer;
       4. (where applicable) your part exchange or other transaction for the sale of your Current Vehicle to the Dealer, or any failure of the Dealer to agree to a part exchange transaction in respect of your Current Vehicle for any reason;
       5. (where applicable) any reliance you may place on a Part Exchange Valuation and/or any change to, or withdrawal of, a Part Exchange Valuation by the Dealer in accordance with Section A of these Terms;
       6. (where applicable) any Estimates, Personalised Quotes, Credit Applications, Decisions, Offers and/or Finance Agreements (including any reliance you may place on them and/or change to them following completion of your Order);
       7. (where applicable) any change to your credit history as a result of your using the Online Application Service;
       8. your use of the Platform and Services, including any lack of availability or accessibility of the Platform or Services, where such loss or damage is caused by any event beyond our reasonable control;
       9. your use of or reliance on any third party websites, links to third party websites, or the information or any products or services offered by a third party on or through the Platform or Services or third party websites;
       10. any information or data you provide on the Platform which is not correct, complete, and accurate, or if it is misleading, or if you fail to disclose all relevant facts;
       11. the suitability of (all or any part of) the Services and/or the Vehicle to your requirements;
       12. any acts, omissions, errors, or defaults of any third party in the provision of any product or service in connection with the Platform and/or the Services; or
       13. any other losses which are not foreseeable by us when you accessed or used the Platform and/or the Services. This means it was not obvious that the loss 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).
    3. We will not have any liability to you if our supply of the Services is delayed, prevented, or otherwise affected by an event outside our control, such as failure of transmission, communication, computer or other facilities or your inability to access the Platform and/or the Services for any reason or any failure, error, or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium.
    4. In any event (and subject to clause 10.1), Auto Trader’s liability to you in respect of any and all claims arising from or in connection with these Terms shall not in any circumstances exceed £0 in total.

    If you are a business user:

    5. We exclude all implied conditions, warranties, representations, or other terms that may apply to the Services.
    6. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, our Platform or the Services.
    7. In particular, we will not be liable for:
       1. loss of profits, sales, business, or revenue;
       2. business interruption;
       3. loss of anticipated savings;
       4. loss of business opportunity, goodwill or reputation; or
       5. any indirect or consequential loss or damage.

    If you are a consumer user:

    8. Please note that we only provide the Services for domestic and private use. You agree not to use the Services for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
11. OTHER IMPORTANT TERMS APPLY TO OUR CONTRACT

    1. These Terms set out the entire agreement between you and Auto Trader in respect of the provision of the Services.

    2. You can only transfer your contract with us to someone else if we agree to this.

    3. The contract is between you and us. With the exception of the circumstances described in clause 11.4 below, nobody else can enforce the contract and neither of us will need to ask anybody else to sign-off on ending or changing it.

    4. Auto Trader is entitled (at its sole discretion) to enforce these Terms on behalf of a Dealer and/or Lender in respect of your compliance with these Terms in connection with the Services.

    5. Any notices and communications relating to these Terms shall be made by mail, email, or telephone.

    6. If a court invalidates some of these Terms, the rest of it will still apply. If a court or other authority decides that some of these Terms are unlawful, the rest will continue to apply.

    7. Even if we delay in enforcing these Terms, we can still enforce them later. We might not immediately chase you for not doing something or for doing something you’re not allowed to, but that doesn’t mean we can’t do it later.

    8. These Terms are governed by English law and wherever you live you can bring claims against us in the English courts. If you live in Wales, Scotland, or Northern Ireland, you can also bring claims against us in the courts of the country you live in. We can claim against you in the courts of the country you live in.