1. The terms
1.1 What these terms cover. These are the terms and conditions on which we supply products and services to you via our online prescription service.
These terms apply specifically to our online ordering, click & collect and delivery services.
1.2 Why you should read them. Please read these terms carefully before you use our digital service and submit your order to us. These terms tell you who we are, how we will provide products and services to you, how you and 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 to discuss. By using our digital service and placing an order, you agree to these terms and conditions.
2. Information about us and how to contact us
2.1 Who we are. We are Gorgemead Limited, a company registered in England & Wales, trading as Cohens Chemist. Our company registration number is 01425062 and our registered office is at Lynstock House, Lynstock Way, Bolton BL6 4SA. Our registered VAT number is 457 4634 24. The Superintendent Pharmacist for this pharmacy group is Zoe Serrant, GPhC registration number 2043703.
2.2 What we do. We are a pharmacy group offering both distance selling pharmacy services as well as bricks and mortar pharmacy services we also provide other NHS essential services, including the facility to request from your NHS GP surgery via our digital service and the NHS Electronic Prescription Service (EPS) prescriptions to be dispensed by us. You can read more about EPS by visiting the NHS website. All orders accepted by us will be processed by our distance selling pharmacy which is based at our Head Office at Lynstock House, Lynstock Way, Bolton BL6 4SA (General Pharmaceutical Council registration number 1103343). Or by one of our bricks and mortar pharmacies (a list of their General Pharmaceutical Council registration numbers can be found here). This dispensing pharmacy’s detail will be given to you during the ordering process.
2.3 How to contact us. You can contact us by using our live comment facility once an order is placed or by contacting the dispensing store from the details on your order (a full list of contact numbers can be found here). You can also write to us at the address of our Head Office (2.1) or telephone us on 01204 473 100
2.4 How we may contact you. If we have to contact you we will usually do so by using our comment facility or by emailing you at the email address you provided to us when you registered. We may also contact you by telephone or by post using the contact details you provided to us when you registered.
2.5 “Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails and communication through our comment facility or other electronic notification.
3. How to register for and use our services
3.1 Registration. To be able to place orders through our online service, you must first register your details and create an account with us. You can register yourself for and use our services provided that you are at least sixteen (16) years old and a resident of England. If you are registering on behalf of a vulnerable adult or child, you must not use an email address that is already linked to an active account. You must also be currently registered with an NHS GP practice in England, Wales or Scotland. If you pay for your prescriptions, you must also hold and provide us with the details of a valid UK credit or debit card in your name. You cannot register two accounts using the same email address.
3.2. You must provide all details that we request during the registration process to use our services. From the point at which you nominate one of our pharmacies, all prescriptions issued by your GP surgery will be sent to that nominated pharmacy for dispensing. You can change your nominated pharmacy at any time by contacting your GP surgery. Your nominated pharmacy will also change automatically if, at any time, you ask another pharmacy to request a prescription on your behalf or choose another fulfilment option at checkout.
3.3 How we will accept your order. Our acceptance of your order will take place when we notify you that we have accepted it, at which point a contract will come into existence between you and us.
3.4 If we cannot accept your order. If we are unable to accept your order, we will notify you of this and will not charge you for the product. This might be because:
- You do not meet the eligibility criteria relevant to the product;
- The pharmacists consider that the product is not suitable for you;
- Your GP surgery has not accepted our prescription request;
- The product is out of stock and we would not be able to obtain the item in a reasonable timeframe;
- Of unexpected limits on our resources which we could not reasonably plan for;
- We have identified an error in the price or description of the product;
- The item you have requested may not be dispensed via a pharmacy; or
- We are unable to meet a delivery deadline you have specified.
3.5 How to request repeat prescriptions. Where you have given us the authorisation that we need in compliance with these terms and conditions, we will pass on your request for a prescription to your NHS GP surgery. We will forward all requests for prescriptions to your NHS GP surgery as soon as possible; however, due to the technology involved in transmitting your request, we cannot guarantee that your request will be received or accepted by your NHS GP surgery or that they will respond to your request within a particular timeframe. If your NHS GP surgery will not accept prescription requests from third parties, you will be responsible for submitting your request for a prescription to your NHS GP surgery directly and requesting that it is sent to us to dispense and dispatch to you in sufficient time to allow your prescription to be processed.
3.6 How to request paper prescriptions. If you would like us to dispense a paper prescription from our distance selling pharmacy, you must send it to; Digital Pharmacy, Lynstock House, Lynstock Way, Bolton BL6 4SA. Alternatively you can request a local bricks and mortar pharmacy to collect it from your GP, by placing on order online and informing us you have already ordered it, or by walking into one of our stores and handing it to a member of staff. We do not accept walk in prescriptions to our distance selling pharmacy.
3.7. Where you are using our services to request prescriptions, our pharmacy team will confirm your details by checking the information that we hold about you against information accessible to us on the NHS systems and your NHS Summary Care Record, where appropriate, and forward your request to your NHS GP surgery. The request will include your personal details provided to us when you register for your account with us. Your request may not be processed immediately and you may be contacted by your GP surgery before we are able to process your prescription.
3.8. We have no control over any delays to the processing of your prescription which are caused by your GP surgery’s delay in issuing it. If your prescription appears to be delayed, we would recommend that you contact your GP surgery directly to make sure that it has been issued to us before contacting us to see where your order is, we will automatically notify you if there has been a delay if we have not seen a prescription from your GP past 48 hours since the order was placed.
3.9. Our distance selling dispensing services are not suitable for urgently required prescriptions, as the process of delivering your order to you will always take at least 24 hours. If you require urgent prescriptions you should use the click & Collect options, or contact your pharmacy directly.
3.10. Once your prescription has been received by us, we will dispense it in accordance with the same strict rules and regulations covering all pharmacy dispensing, whether from our bricks and mortar or distance selling pharmacies. If you require your prescription urgently and cannot wait for delivery, we can transfer it to an alternative Cohens Chemist close to your home. If there is no Cohen’s pharmacy nearby, we will return your prescription to the NHS spine and cancel your order. It is then your responsibility to have that prescription fulfilled at a pharmacy of your choosing. Please note, once your prescription has been dispatched by our distance selling pharmacy it will be too late to do this, however you can still request the return of the prescription from any of our bricks and mortar pharmacies at any time.
3.11. By signing up to and using our services:
- Where appropriate, you agree to appoint a Cohens Chemist as your EPS nominated pharmacy;
- You give your consent for us to share your personal information with your GP surgery, if necessary, with regards to your prescription(s);
- You also give us your consent for us to share your personal information with regards to your prescription(s) with NHS England, the NHS Business Services Authority (NHSBSA) and the Secretary of State for Health to make sure we are correctly paid by the NHS for the service we give to you; and
- Where appropriate, you agree that you understand EPS and that you have been provided with clear information that explains nomination.
- Where appropriate, you agree that you can be contacted regarding the new medicines service by one of our specialist pharmacists to discuss your newly prescribed medication
3.12. You agree that our pharmacist or pharmacy technician responsible for your order can access your NHS Summary Care Record (SCR) if clinical and/or safety information is needed. This permission is valid for 12 months from the date of your last order or until you withdraw consent. All access is automatically logged and recorded by the NHS for audit purposes. You can read more about the SCR by visiting the NHS website. You can opt-out of having an SCR altogether and you should contact your NHS GP surgery who will record this, if this is your preference.
3.13. Our distance selling pharmacy deals primarily with customers based in England. We can accept orders from or deliver to addresses outside England excluding Norther Ireland providing that the customers GP are based in England. For customers who’s GP is not based in England and would still like to use our distance selling pharmacy this will be at the discretion of the pharmacy team and will be discussed with you the patient, you may be referred to one of our bricks and mortar pharmacies in you location in the first instance.
3.14 Your responsibilities.
- You are responsible for the information you provide to us about yourself, your GP surgery and your medical conditions and medication. You are responsible for letting us know if there are any changes to this information and for keeping it up to date. In particular, you need to tell us about any changes in your medical conditions, medication and your delivery address. You promise that this information is accurate and acknowledge that if you do not provide accurate and up to date information you could be putting your health at serious risk. You must check the spelling and dosage information review the patient information leaflet and follow the clinical directions provided with your prescription. If at any point the information that appears on our products, website, app, or other material provided by us, contradicts information provided by your GP surgery, please contact us immediately.
- If you do not pay for your prescriptions, you will be required to provide us with evidence of your exemption status by uploading your proof of exemption, for example proof of disability or receipt of benefits when you place your order. It is your responsibility to ensure that you meet the exemption criteria. By uploading evidence of your exemption, you acknowledge and agree that we will share the evidence with appropriate NHS authorities for verification.
- You are responsible for ensuring that your payment and exemption details are kept up to date. We reserve the right not to process your order or prescription if your payment or exemption details have expired or are invalid in any way. In such cases, we will attempt to contact you to enable you to provide updated information to allow us to process your order or prescription.
- You agree to keep any details that you use to login to the digital service confidential and not to share them with any other person.
- You agree that you will only use our services and request prescriptions for your own personal use or for the exclusive use of a third party named on a prescription, who has provided consent for you to order prescriptions on their behalf, or in respect of whom you hold parental responsibility, guardianship or power of attorney. Prescription medicines should never be shared with any other person.
- You agree not to use our services for any unlawful purpose. We will not be responsible for any misuse or abuse of any products.
- By placing an order with us you confirm that:
- you do not have any known allergies, sensitivities or intolerance to any products ordered;
- you do not have any known medical conditions which predispose you to adverse reactions to any products ordered;
- you are not taking any concurrent medications with which the products ordered are likely to interact; and
- you have the ability to consent to your order being posted through your letterbox and confirm that there is no risk to children, pets, vulnerable adults or other third parties as a result of your order being delivered in this way
- You agree not to use our service in any way that will damage, impair or render it less efficient.
- You acknowledge that your use of our services does not grant you any rights in relation to our intellectual property.
3.15 How to return any unwanted medicines. Any unwanted medicine should be safely disposed of by returning it to a physical pharmacy. You can find your nearest pharmacy by searching the NHS Choices website .
4. Your rights to make changes
If you wish to make a change to your order please contact us as soon as possible. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change. If we cannot make the change or the consequences of making the change are unacceptable to you, you may be able to end the contract (7.0).
5. Our rights to make changes
5.1. Changes to your order. We may make changes to or substitute the product that you order:
- if, for example, your prescription request is for a particular brand of product but your GP surgery prescribes the generic product;
- to reflect changes in relevant laws and regulatory requirements; and
- to implement minor technical adjustments and improvements, for example to address a security threat
- The item on your prescription has fallen under a “serious shortage protocol” and has had a form, quantity or item adjustment in accordance with government SSP instructions
These changes will not usually affect your use of the product.
5.2. Changes to these terms. We may make the following changes to these terms, but if we do so we will notify you and you may then contact us to end the contract before the changes take effect and receive a refund for any products paid for but not received:
- to reflect the availability of products, product recalls and customer safety;
- to add new services or products; or
- to improve your experience of our digital service, the products and/or our services
6. Providing the products
6.1. Delivery costs. The costs of delivery (if applicable) will be as displayed to you at the checkout stage before you place your order.
6.2. Delivery of the products via Royal Mail. We will deliver the products to you as soon as reasonably possible. All products are sent by us using Royal, and should be delivered to you within 48 hours of us dispatching your order. Control drugs and fridge line items will be sent via Royal Special Delivery and will require you to sign for the delivery (6.5)
6.3. Delivery of the products via Patient Delivery service. We will deliver the products to you as soon as reasonably possible. All products sent via our stores patient delivery service will be handled by delivery driver operating on behalf of the pharmacy the products where dispensed. They may require a signature or ID from you for certain items outlined in [6.6]. Where permitted based upon a signed agreement between yourself and the dispensing pharmacy the delivery driver may post the products through your door if they fit, or leave them with a neighbour, if this is not in place we will leave a calling card. It is your responsibility to arrange re-delivery or call into the pharmacy to collect the products.
6.4. Collection of the products. You can collect the products from your chosen Click & Collect store once you receive a ready to collect notification. You will be asked to confirm your identity to a member of staff before receiving your order at the counter. For orders containing Control drugs we can also ask to see a form of identification if you are collecting on behalf of the patient. You will be required to pay any prescription charges due upon collection or if you are exempt, tick and sign the back in accordance to NHSBSA exemption rules, failure to do so may result in a penalty issued to you from the NHSBSA.
6.5. Controlled Drugs and Fridge Line Items via Royal Mail. Due to the nature of these items we may contact you before they are due to be dispatched to arrange delivery as we need you to be able to sign for the parcel, we cannot leave these items with a neighbour or leave them in a designated safe place. We will send these orders out via Royal Mail Special Delivery guaranteed before 1pm. If you miss the delivery, Royal Mail will notify you via SMS or calling card. You may also receive a call or message from our customer care team to ensure the missed delivery is collected by yourself, please remember to follow the instruction from Royal Mail when collecting from a depot.
6.6. Controlled Drugs and Fridge Line Items via Store based Patient Delivery Service. If you are using this service, the stores delivery driver will require a signature upon you receiving the products. If you are not in they will not leave it with a neighbour or attempt to post through the letterbox or leave in a safe place. By default they will return to the dispensing pharmacy with the products and leave you a calling card. It will be up to you to arrange a re-delivery by contacting the number on the calling card alternatively you can collect the undelivered products from the dispensing store on the calling card. Ensuring you follow the steps for collection in [6.4]
6.7. We cannot guarantee the exact time and day of delivery and recommend that you allow for up to three working days for your order to arrive once it has been processed. There may be additional delays in processing your order if we are waiting for your GP surgery to issue your prescription or require further information from you or your GP surgery. We will notify you of any delays
6.8. If you are not at home when the product is delivered. If no one is available at your address to take delivery and the products cannot be posted through your letterbox, they may be left with a neighbour and, if that’s not possible, the courier should leave you a note informing you of how to rearrange delivery or collect your order from a local depot. If the delivery is a controlled drug or fridge line (6.3)
6.9. If you do not re-arrange delivery. If you do not collect the products from the courier or if, after a failed delivery to you, you do not re-arrange delivery or collect them from a delivery depot we will contact you for further instructions and may charge you for storage costs and any further delivery costs. If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection we may end the contract.
6.10. We are not responsible for delays outside our control. If our supply of the products is delayed by an event outside our control then we will contact you as soon as 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 the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any products you have paid for but not received.
6.11. When you become responsible for the products. The products will be your responsibility from the time that they are delivered to you or once you collect them.
6.12. When you own goods. You own a product once we have received payment in full or, if you don’t pay for your prescriptions, when the product is delivered to you or once you collect it.
6.13. What will happen if you do not give required information to us? We need certain information from you so that we can supply the products and services to you, for example, proof of your entitlement to free NHS prescriptions. If you do not give us this information or if you give us incomplete or incorrect information, we may not be able to process your order and may end the contract. We will not be responsible for any failure to supply products if this is caused by you not giving us the information we need to process your order.
6.14. Reasons we may suspend the supply of products and services to you. We may have to suspend the supply of a product or service to:
- deal with technical problems or make minor technical changes;
- update the product or service to reflect changes in relevant laws and regulatory requirements;
- make changes to the product as requested by you or notified by us to you (5.0)
6.15. Your rights if we suspend the supply of products. We will contact you in advance to tell you we will be suspending supply of the product, unless the problem is urgent or an emergency. We may need to suspend the supply of products if, for example, the card details that you provided when you registered are no longer valid or your payment isn’t authorised. You may contact us to end the contract for a product if we suspend it, or tell you we are going to suspend it, in each case for a period of more than 30 working days and we will refund any sums you have paid in advance for the product in respect of the period after you end the contract.
7. Your rights to end the contract and cancel your order
7.1 You can always end your contract with us. Your rights when you end the contract will depend on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:
- If what you have bought is faulty or “not as described” you may have a legal right to end the contract (or to get the product repaired or replaced or to get some or all of your money back), (9.0); or
- If you want to end the contract because of something we have done or have told you we are going to do, (7.3).
7.2. You can cancel your order at any time before we dispense your prescription by contacting us via the orders section on your online account or email and you will receive a full refund using the method of payment that you used to pay for the products (if applicable). In some cases, you may also be able to cancel your order after your prescription has been dispensed but before we dispatch it to you. Unfortunately, due to the nature of medicinal products, this will not always be possible and we reserve the right to exercise our discretion in this regard.
7.3 Ending the contract because of something we have done or are going to do. If you are ending a contract for a reason set out at (a) to (e) below the contract will end immediately and we will refund you in full for any products which have not been provided and you may also be entitled to compensation. The reasons are:
- we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 5.2);
- we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;
- there is a risk that supply of the products may be significantly delayed because of events outside our control;
- we have suspended supply of the products for technical reasons, or notify you that we are going to suspend them for technical reasons, in each case for a period of more than 30 working days; or
- you have a legal right to end the contract because of something we have done wrong
8. Our rights to end the contract
8.1 We may end the contract if you break it. We may end the contract for a product at any time by writing to you if you do not:
- within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the products or services; or
- within a reasonable time, allow us to deliver the products to you
8.2 We may withdraw the products or services. We may write to you to let you know that we are going to stop providing certain products or services. We will let you know at least 30 working days in advance of our stopping the supply of the product or service and will refund any sums you have paid in advance for products which will not be provided.
8.3. We reserve the right to suspend or terminate your access to our services at any time without notice if we have reasonable grounds to believe that you have breached any of these terms.
9. If there is a problem with the products
9.1 How to tell us about problems. If you have any questions or complaints about the product, please contact us. The fastest way to contact us is using our comment facility if your query is regarding a live order. You can fill out the contact form on our website, telephone our customer service team on 01204 473 090 or write to us at Digital Pharmacy, Lynstock House, Lynstock Way, Bolton, BL6 4SA. We may refer you to one of our pharmacists if our customer services team cannot provide the information that you need (for example, if your question relates to a medicine). Depending on the nature of your question or complaint, we may also direct you to your GP surgery, Click & Collect store or Royal Mail if appropriate.
9.2. We operate a complaints procedure as part of the NHS system for dealing with complaints. Our system meets national criteria. Our Pharmacist will be able to help you should you wish to complain or contact Operations on 01204 473100. Our aim is to give you the highest possible standards of service and we try to deal swiftly with any problems that may occur.
You may also seek advice from the local Patient Advice and Liaison Service (PALS). PALS are not part of the complaints procedure itself but they might be able to resolve your concerns informally or they can tell you more about the complaints procedure and independent complaints advocacy services.
An independent complaints advocacy service (ICAS) is available to provide advice and support to people who wish to complain about the NHS.
9.3. Summary of your legal rights. We are under a legal duty to supply products that are in conformity with this contract. The Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. These are subject to certain exceptions. For detailed information about your legal rights please visit the Citizens Advice website or call 03444 111 444. Nothing in these terms will affect your legal rights.
10. Price and payment
10.1. Price of prescriptions. If you pay for your prescriptions, then you will be charged the prevailing NHS prescription charge, which from 1 April 2020 is currently £9.15 per item. Please note that NHS prescription charges increase on 1 April each year and we will always charge the NHS prescription charge in force at the time that your prescription is dispensed. This will appear on your bank statement as Gorgemead Ltd. No medical information will be passed to your bank or Credit Card Company.
10.2 When you must pay and how you must pay. We accept payment by all major debit and credit cards. You must pay for the products in full (if they are subject to a charge) before we dispatch them with the Royal Mail or hand them over to you in store. We use a third party platform to process our online payments. When you provide your credit or debit card details, the third party may perform a pre-authorisation on your card to ensure that the payment details that you provide are correct. We do not process, handle or retain any card details that you provide but the third party platform that we use may ask for your consent to remember your card details for future purchases.
10.3 If you do not pay for your prescriptions, you must declare to us the reason for your exemption and we will ask you to provide evidence. If you fail to do so, we will notify the NHS that we have not seen valid evidence, which could result in you incurring NHS penalty charges.
11. Refund Policy
11.1 We may issue a refund for the reasons outlined below:
- any Change in terms listed in (5.2)
- Delays outside of our control resulting in a substantial delay or subsequent termination of contract (6.7)
- Suspension of products or service resulting in termination of contract (6.15)
- You have cancelled the order within the notice terms (7.2)
- The termination of contract due to something we have done (7.3)
- We have withdrawn a service or product you have paid for (8.2)
11.2 Issuing a refund. When a refund is issued we will only refund for the amount taken in each instance, i.e. separate payments on a single order will result in separate refunds should the full amount be requested as a refund. We will also only issue a refund to the original payment card, this cannot be changed and you cannot have the amount refunded as physical cash as an alternative.
12. Our responsibility for loss or damage suffered by you
12.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable or for any failures or delays caused by you or your GP surgery. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.
12.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products as summarised at clause 9.2; and for defective products under the Consumer Protection Act 1987.
12.3 We are not liable for business losses. We only supply the products for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
12.4 You are responsible for the orders you place, the information you provide and for checking and taking any prescription medicine correctly. You are responsible for ensuring that you comply with these terms and conditions.
12.5 Your GP surgery is responsible for issuing your prescriptions.
12.6 We are responsible for dispensing your prescription correctly and complying with the legal requirements placed upon pharmacies, including those of the General Pharmaceutical Council, NHS (Pharmaceutical and Local Pharmaceutical) Regulations 2013, Human Medicines Regulations 2012 and Medicines Act 1968. We are not responsible for the accuracy of the diagnosis, treatment or medication prescribed by your NHS GP surgery or correct use of products supplied. We cannot guarantee that a prescription request will result in a prescription being issued by your NHS GP surgery.
13. How we may use your personal information
13.1 How we may use and process your personal information. We will only use or process your personal information as set out in our Privacy Notice.
13.2 Marketing material. We will from time to time contact you about important changes to our service that we provide. These changes may affect how you interact with our services and as such we think it is important that you know about them. We will never send you marketing information that is not relevant to the service you are receiving from us. Marketing information we may send you can include:
- Changes to the terms of service
- New features or services that are available to you
- Reminders and prompts when you may be due to re-order your medication.
13.3 Consent. By agreeing to the terms of our service when you place an order you also agree to receive the marketing information listed above. If you wish to no longer receive marketing information about the services you use. please use the contact form on the website to inform us of your wish to opt out.
14. Other important terms
14.1 We may transfer this contract to someone else. We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
14.2 Nobody else has any rights under this contract (except someone you pass your guarantee on to). This contract is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these terms.
14.3 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
14.4 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.
14.5 Which laws apply to this contract and where you can bring legal proceedings? These terms are governed by the laws of England, Wales and Scotland and you can bring legal proceedings in respect of the products or services in the English, Welsh and Scottish courts.