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Pauls Cycles Terms & Conditions

Welcome to the Pauls Cycles Limited Website terms and conditions for use. These terms and conditions apply to the use of this website at (the “Website”). By accessing this Website and/or placing an order, you agree to be bound by these terms and conditions (“terms”).

Using this Website indicates that you accept these terms regardless of whether or not you choose to register with us or order from us. If you do not accept these terms, you should not use this Website or place an order with us.

In these Terms and Conditions the following terms shall have the meanings set out below:

"Buyer" shall mean any person, firm or company detailed in the appropriate section of the sales invoice/order form/delivery note.

"calendar day" shall mean any day including Saturdays, Sundays and public holidays.

"Goods" shall mean the item(s) detailed in the appropriate section of the sales invoice/order form/delivery note.

"Price" shall mean the sum due to the Seller from the Buyer for the Goods and shall include VAT at the appropriate rate unless otherwise stated.

Profile shall mean any user profile created by you on our Website for placing orders and generally administering your communication with us.

"Seller" shall mean Pauls Cycles Limited, a company registered in England and Wales. Our Company registration number is 03883525 and our registered office is at Pauls Cycles Limited, Unit A, 13 Yaxham Road, Dereham, Norfolk, NR19 1HB.Our registered VAT number is GB 178 2409 87.

"working day" shall mean any day excluding Saturdays, Sundays and public holidays.

General email

Telephone number: 01362 696276

We operate our business in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Rights Act 2015 and any other applicable laws.


1.1 We may revise these terms at any time by updating the Website. You should check this Website from time to time to review the then-current terms, because they are binding on you. Certain provisions of these terms may be superseded by expressly designated legal notices or terms located on particular pages of this Website. If you do not wish to accept any new terms after we have given notice, you should not continue to use this Website or place any orders with us.

1.2 If you have anyquestionsaboutourWebsite, please contact us by email at

1.3 Any reference in these terms to “we” or “us” shall be a reference to the Seller.

1.4 If we have to contact you, we will do so by telephone or by writing to you at the email or postal address you provided to us in your order, or which is stored on your Profile from time to time.

1.5 When we use the words “writing”, “write” or “written” in these terms, this shall include email.


2.1 You are deemed to place an order with us by ordering via our online checkout process (“
order”). As part of our checkout process you will be given the opportunity to check your order and to correct any errors. We will send you an order acknowledgement, detailing the Goods you have ordered.

2.2 Our acceptance of an order takes place when we dispatch the order. When we accept the order, a binding purchase contract will be entered into between you and us (the“Contract”). An order is not accepted if we have notified you that we do not accept your order or you have cancelled your order before our acceptance.

2.3 We may refuse to accept an order:
2.3.1 where Goods, services or information ordered by you are not available;
2.3.2 where there is an unexpected limit on our resources we could not reasonably plan for;
2.3.3 where we cannot obtain authorisation for your payment;
2.3.4 if there has been a pricing orGoods description error;
2.3.5 if you do not meet any eligibility criteria set out in our terms; or
2.3.6 if we do not deliver to your area or cannot meet any delivery deadline specified by you.

2.4 Whilst we may accept orders from outside of the UK (at our sole discretion), any such orders are subject to different terms on how an order is placed when the Contract is formed, and the terms of delivery of any order. Please refer to paragraph 7 if you are placing an order from outside of the UK (“International Order”).


3.1 Any images of the Goods on our Website are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that a device's display of the colours accurately reflects the colour of the Goods. Your Goods may vary slightly from those images.

3.2 Please note, where weights and measurements are shown, these are only approximations which have been supplied by the manufacturer, and each individual Good can vary. Unless otherwise stated, weights and measurements are usually based on a medium size.

3.3 Sizing where shown in cm's or inches (") are rounded to the nearest full cm or half an inch. Please be aware slight mistakes or variations can occur, and you are advised to email or telephone us for more exact measurements. We do not accept any responsibility for slight variations in the weight or measurements of the Goods.

3.4 The packaging of the Goods may vary from that shown in images on our Website.


4.1 The Price of the Goods will be the price indicated on the order pages when you placed the order. We take all reasonable care to ensure that the Price advising to you is correct. However, see paragraph 4.3 for what happens if we discover an error in the Price.

4.2 All Prices include VAT (where applicable) at the current rates and are stated in Pounds Sterling.

4.3 It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the Goods’ correct Price at your order date is less than our stated Price at your order date, we will charge the lower amount. If the Goods’ correct Price at your order date is higher than the Price stated to you, we will contact you for your instructions before we accept your order.

4.4 Where we charge separately for packing, carriage and insurance and other relevant charges, the appropriate rate will be displayed to you prior to you placing your order.

4.5 Please see our Website for method of payment accepted by us.

4.6 You must pay for the Goods before we dispatch them.


5.1 We may change the Goods:
5.1.1 to reflect changes in relevant laws and regulatory requirements; and/or
5.1.2 to implement minor technical adjustments and improvements. These changes will not affect your use of the Goods.

5.2 In addition, we may make further changes to these terms or to the Goods after you have placed an order. However, if we do so we will notify you and you may then contact us to cancel an order before the changes take effect and receive a refund for any Goods paid for but not received.


6.1 Where possible, we aim to dispatch your Goods within two working days of receiving your order and issuing the order acknowledgement. However, during peak periods this can be up to fourteen working days.

6.2 We will deliver Goods ordered by you as soon as possible to the address you give us for delivery in your order and within 60 calendar days of your order except where we contact you to inform you of delays. Please note that the projected periods stated in paragraph 6.1 and this paragraph 6.2, or in any order acknowledgement, are estimates only and the time and date of dispatch and delivery of the Goods for your order shall not be the essence of the Contract.

6.3 If the supply of Goods by us to you is delayed by an event outside of 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. In any case, where we inform you of delays either in accordance with this paragraph 6.3 or paragraph 6.2, you will have the right to cancel your order or accept our revised projections for delivery.

6.4 We will inform you by email when your Goods are dispatched.

6.5 You will be required to sign for the Goods in most circumstances.

6.6 If you have asked to collect the Goods from our premises, you may do so from us at any time during our working hours of 9am to 5.30pm on any working day. If you wish to collect your order instead of it being delivered, you must select this option when you place your order via our online checkout process.

6.7 You are required to inspect Goods immediately upon receipt to check for signs of delivery damage and, where you believe damage has occurred, you must mark the delivery driver's paperwork to indicate that the Goods are "damaged" or, where the Goods are substantially damaged, refuse delivery completely and contact us immediately on 01362 696276. It is very difficult for us to claim against our courier's insurance if you have signed to accept the Goods. In any event, you must notify us as soon as practicable after delivery if the Goods are damaged. By failing to do so, you will have been deemed to accept the Goods.

6.8 If no one is available at your address to take delivery, we will leave you a note informing you of how to rearrange delivery or collect the Goods from our store.

6.9 If you do not collect the Goods from us as arranged or if, after a failed delivery to you, you do not re-arrange delivery 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 cancel your order and paragraph 11 will apply.

6.10 Any Goods we deliver to you will be your responsibility from the time we deliver the Goods to the address you gave us when placing your order, or from the time when a courier organised by you collected them from us. You own the Goods once we have received payment in full.


7.1 An International Order is where the delivery address for the Goods in your order is located outside of the United Kingdom.

7.2 You are deemed to place an International Order with us if you email us at Goods be delivered to you outside of the UK. We will log and create an order for you. You will need to provide us with certain information in order for us to do so, a list of which can be found here: We will then send you an invoice to the email and/or postal address you have provided.

7.3 If you do not give us the information required as above within a reasonable time, or if you give us incomplete or incorrect information, we may either reject your order, end the Contract in accordance with paragraph11, or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the Goods late or not supplying any part of them if this is caused by you not giving us the information we need within a reasonable time.

7.4 Our acceptance of an International Order takes place when we issue you with our invoice in accordance with paragraph 2.5, at which point the Contract will be formed.

7.5 Where you are placing an International Order or you are paying with funds coming from outside the UK, we only accept payment by bank transfer. Account details for payment can be found on our invoice.

7.6 When we issue an invoice for an International Order, we will provide the amount due under the invoice in Pounds Sterling. If you are making payment in a different currency, it is your responsibility to ensure that the amount paid to us by Bank Transfer is sufficient to satisfy the sums due in full. We will not be responsible for any increase in the Price as a result of fluctuations in foreign exchange rates.

7.7 Whilst we may accept an International Order, we do not deliver any Goods outside of the United Kingdom. If you are placing an International Order, it is your responsibility to arrange for a courier to collect your order from us and deliver it to you. For more details, please see here:

7.8 Please note, we will not hand your International Order to your designated courier until payment has been received in full in accordance with our invoice. Please do not arrange for any courier collection prior to payment being made.


8.1 We are under a legal duty to supply Goods that are in conformity with what you have ordered from us. If you think any Good you have received:
8.1.1 do not match their description;
8.1.2 are not of satisfactory quality;
8.1.3 do not meet any relevant guarantee we have made or provided; or
8.1.4 are otherwise faulty or defective,

you must contact us as soon as possible at or by telephone on 01362 696276. We reserve the right to ask you to send us reasonable evidence of any Goods affected by such issues. Consumers who notify us of issues raised under this paragraph 8.1 may, depending on the circumstances, have rights entitling them to a refund, repaired or replacement Goods, or be entitled to some money back.

8.2 If you notify a problem to us under paragraph 8.1, our only obligation will be, at your option:
8.2.1 to make good any shortage or non-delivery;
8.2.2 to replace or repair any Goods that are damaged or defective; or
8.2.3 to refund to you the amount paid by you for the Goods in question by the same means of payment as you made to us when placing your order.

8.3 Where you are purchasing Goods as a consumer, this paragraph 8.3 shall apply. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this Contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the Contract between you and us was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.

8.4 Where you are purchasing Goods other than as a consumer, this paragraph 8.4 shall apply. We shall under no circumstances whatsoever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, for any loss of profit, loss of data, loss of opportunity, loss of anticipated savings, or any indirect or consequential loss arising under or in connection with the contract between you and us. In any event, our total liability to you in respect of all other losses arising under or in connection with the Contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the total amount that you have paid to us under Contract.

8.5 You must observe and comply with all applicable regulations and legislation, including obtaining all necessary customs, import or other permits to purchase Goods from our site. The importation or exportation of certain Goods to you may be prohibited by certain national laws. We make no representation and accept no liability in respect of the export or import of the Goods you purchase.

8.6 Notwithstanding the foregoing, nothing in these terms is intended to limit any rights you might have as a consumer under the law of England and Wales or other statutory rights that may not be excluded, nor in any way to exclude or limit our liability to you for any death or personal injury resulting from our negligence, or for fraud or fraudulent misrepresentation.

8.7 Where you are purchasing Goods as a consumer, and you use the Goods 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. You must expressly state in your order to us, if you wish to purchase Goods for business purposes.


9.1 This section applies to consumers only (and not to businesses or other organisations) who order Goods.

9.2 If you wish to cancel your order:
9.2.1 you can notify us by email to before we have dispatched the Goods to you; or
9.2.2 where Goods have already been dispatched to you, by notifying us in writing either at our registered address or by emailing in accordance with paragraph 9.3 below.

9.3 If you ordered through our Website, you can change your mind and return Goods you have ordered from us for any reason at any time within 14 calendar days of receipt commencing the day after receipt for a full refund or exchange, subject to the following:
9.3.1 you must inform us in writing of your cancellation, at our registered address or by emailing within 14 calendar days of your receipt of the Goods or by completing and returning the standard cancellation form included with your order; and
9.3.2 where the Goods have been delivered to you by post, you must return the Goods to us at your expense and at your own risk

9.4 We will issue a refund of the purchase Price of the Goods and any associated standard initial delivery costs or an exchange credit (as applicable) as required within 14 calendar days of receipt of the return Goods.

9.5 The rights to return the Goods to us as referred to in paragraph 9.3 will not apply in the following circumstances:
9.5.1 to any Goods that we have made or customised specifically for you;
9.5.2 to any Goods that by their nature have a limited lifespan; or
9.5.3 to any Goods where packaging seals have been broken where the seal is required to maintain the Goods.
The provisions of paragraph 9.5 do not affect your statutory rights.

9.6 You may also return Goods for any of the following reasons for a full refund or exchange, at no additional cost, subject to statutory limitations:
9.6.1 where Goods arrive in a damaged or unsatisfactory condition - Please mark the delivery note when you sign for the Goods to indicate that packaging is damaged or the Goods are uninspected as this helps us to recover the cost of damage from our couriers;
9.6.2 where Goods are faulty;
9.6.3 where the Goods do not match the description of the Goods ordered; or
9.6.4 where the quantity of the Goods does not match the quantity ordered.

9.7 If required, we will arrange collection of damaged/faulty Goods at a mutually convenient time on a working day.

9.8 Where a refund is due, we will make refund direct to the payment method you originally used for your purchase.

9.9 We will process your refund (including delivery costs where applicable) within 14 calendar days of receipt of the Goods.

9.10 If you are exercising your right to change your mind in accordance with paragraph 9.3:
9.10.1 we may reduce your refund of the Price paid (excluding delivery costs) to reflect any reduction in the value of the Goods, if this has been caused by your handling them in a way which would not be permitted in a shop. If we refund you the Price paid before we are able to inspect the Goods and later discover you have handled them in an unacceptable way, you must pay us an appropriate amount;
9.10.2 the maximum refund for delivery costs will be the costs of delivery by the least expensive delivery method we offer.


10.1 When you change your mind and/or cancel your order for Goods in accordance with paragraph 9, please note:
10.1.1 that you must return any additional related Goods that may have been joint offers or associated gifts to us;
10.1.2 that you must send our Goods to us within 14 calendar days after the day of your notice of cancellation;
10.1.3 that whilst you have our Goods in your charge, you will take good and reasonable care of them to maintain them in a fully saleable condition even if they are damaged or faulty and you have notified us of the nature of this damage;
10.1.4 that you should not use or attempt to fit/assemble the Goods aside from your need to assess them for suitability;
10.1.5 that wherever possible, all packaging is returned with the Goods;
10.1.6 that you should repackage the Goods appropriately to ensure that they are received in a satisfactory and undamaged condition by us at our registered address; and
10.1.7 that you are advised to use an insured and signed for delivery service when returning the Goods as you remain liable for them until received in a satisfactory condition.

10.2 Where Goods have not been received by us and no proof of posting supplied within 14 calendar days of your notice of cancellation we will:
10.2.1 contact you to check that the Goods have been returned to us in accordance with paragraph 9.1.3;
10.2.2 if the Goods have not been sent by you, arrange to have our Goods collected at a mutually convenient time during the following 10 working days;
10.2.3 advise you of the cost of collecting our Goods;
10.2.4 deduct the cost of collecting Goods from you from any refund we might owe you; and
10.2.5 not be liable to refund you if you have sent the Goods, and these have not been received back and no proof of postage, clearly stating our details is made available.

10.3 If you receive damaged or faulty Goods or we deliver incorrect or substituted Goods where the substituted Goods were not agreed to prior to dispatch:
10.3.1 we will arrange for collection of the Goods at our expense at a mutually convenient time; or
10.3.2 you may return Goods to us, and we will refund the cost of you doing so using the cheapest available method for delivery – therefore, please check with us first as it is often cheaper for us to collect and we will not refund you any difference in cost where you return Goods under this paragraph using a more expensive method of delivery.


11.1 We may cancel an order and end the Contract if:
11.1.1 you do not make any payment to us (or our finance providers in accordance with paragraph 20) when it is due and you still do not make payment within 14 days of us, or our finance partners reminding you that payment is due;
11.1.2 you do not within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the Goods, for example a delivery address;
11.1.3 you do not, within a reasonable time, allow us to deliver the Goods to you, or collect them from us;
11.1.4 you commit a serious breach of any provision of these terms; or
11.1.5 you commit frequent or repeated breaches of these terms.

11.2 If we cancel an order in the situations set out in paragraph 11.1, or otherwise in accordance with these terms due to a breach of these terms by you, we will refund any money you have paid in advance for Goods we have not provided, but may deduct or charge you reasonable compensation for the net costs we will incur as a result of you breaching these terms.


12.1 You are permitted to print and download extracts from this Website for your own use on the following basis:
12.1.1 no documents or related graphics on this Website are modified in any way;
12.1.2 no graphics on this Website are used separately from accompanying text; and
12.1.3 any of our copyright and trade mark notices and this permission notice appear in all copies.

12.2 We (or our licensors) are the owner or the licensee of all intellectual property rights in our Website, in all material published on it, and in any Goods which are displayed thereon. You must not use any part of, or any content on, our Website for commercial purposes or for any purpose outside of which is envisaged in there terms, without obtaining a licence to do so from us or our licensors.

12.3 If you provide any information or materials to us in connection with the Contract, then you grant to us a royalty free, fully paid-up and irrevocable licence to use, copy and modify such information or materials.

12.4 We do not warrant that materials, services or information for sale on the Website are appropriate or available for use outside the United Kingdom. It is prohibited to access the Website from territories where its contents are illegal or unlawful. If you access this Website from locations outside the United Kingdom, you do so at your own risk and you are responsible for compliance with local laws.


13.1 While we endeavour to ensure that this Website is normally available 24 hours a day, we will not be liable if for any reason this Website is unavailable at any time or for any period.

13.2 Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.


14.1 We will only use your personal information in accordance with data protection laws and as set out in our Privacy Policy, which can be found here:

14.2 You are prohibited from posting or transmitting to or from this Website any material:
14.2.1 that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;
14.2.2 for which you have not obtained all necessary licences and/or approvals;
14.2.3 which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
14.2.4 which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojans, worms, harmful components, corrupted data or other malicious software or harmful data).

14.3 You may not misuse the Website (including, without limitation, by hacking, impersonating any person or entity or falsely misrepresent your affiliation with a person or entity, "stalk" or harass another or collect or store personal data about other users).

14.4 It is your responsibility to determine that your input into our Website, including use of any chat room areas of our site, including your choice of your user name, conforms to the above conditions. Remember that the site and your content may be accessed by children.

14.5 If you notice any content which breaches these conditions, please notify us by email to


15.1 Links to third party websites on this Website are provided solely for your convenience. If you use these links, you leave this Website. We have not reviewed all of these third party websites and do not control and are not responsible for these websites or their content or availability. We therefore do not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

15.2 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions
15.2.1 you do not remove, distort or otherwise alter the size or appearance of the Pauls Cycles Limited logo;
15.2.2 you do not create a frame or any other browser or border environment around this Website;
15.2.3 you do not in any way imply that we are endorsing any Goods other than our own;
15.2.4 you do not misrepresent your relationship with us nor present any other false information about us;
15.2.5 you do not otherwise use any Pauls Cycles Limited trade marks displayed on this Website without our express written permission;
15.2.6 you do not link from a website that is not owned by you; and
15.2.7 your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.


16.1 You can create a Profile on our Website which allows you to view and track your orders. This includes you storing multiple shipping addresses, payment methods and other details to allow you to move through the payment process faster. You will be given or be asked to create a username and password to access your Profile. You must keep any Profile details confidential and not disclose these to any third party.

16.2 We retain the right to disable any Profile, if in our reasonable opinion you have failed to comply with any of the provisions of these terms. You acknowledge and agree that you remain responsible for all consequences arising from the use or misuse of your Profile’s login details and that instructions and actions transmitted via our site will be deemed to have originated from you if your username and password have been utilised. We shall be entitled to rely on any order or other action that originates from your user account.

16.3 If you believe that your Profile’s login details have been compromised at any time, you must contact us immediately via email to, or by calling us on 01362 696276.


17.1 While we endeavour to ensure that the information on this Website is correct, we do not warrant the accuracy and completeness of the material on this Website. We may make changes to the material on this Website, or to the Goods and Prices described in it, at any time without notice. The material on this Website may be out of date, and we make no commitment to update such material.

17.2 The material on this Website is provided as is without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with this Website on the basis that we exclude all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for these terms and conditions might have effect in relation to this Website.

17.3 We reserve the right to suspend or cease the operation of this Website at any time and at our sole discretion. We may amend the content of this Website at any time without prior notice.


18.1 We, and any of our group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with this Website in any way or in connection with the use, inability to use or the results of use of this Website, any websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website or your downloading of any material from this Website or any websites linked to this Website.

18.2 Nothing in these terms and conditions shall exclude or limit our liability for (i) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); (ii) fraud; (iii) misrepresentation, or (iv) any liability which cannot be excluded or limited under applicable law.

18.3 If your use of material on this Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

18.4 Where you are using this Website other than as a consumer, you agree, on behalf of yourself and your business entity or organisation, jointly and severally to indemnify us fully, defend and hold us, and our officers, directors, employees and agents, harmless from and against all claims, liability, damages, losses, costs (including reasonable legal fees) arising out of any breach of the terms and conditions by you, or your use of this Website, or the use by any other person using your registration details.


19.1 These terms are governed by English law and you can bring legal proceedings in respect of the Goods in the English courts. If you live in Scotland you can bring legal proceedings in respect of the Goods in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the Goods in either the Northern Irish or the English courts.


20.1 Consumer finance on is provided by V12 Retail Finance Limited (Company Number: 04585692) (FCA registration number: 679653) and Klarna

20.2 The finance options are widely applicable on orders over £550, including VAT. We also offer finance options in store, at the discretion of our store staff. More details can be found here:

20.3 All offers of finance are subject to acceptance by V12 Retail Finance Limited. The Supplier accepts no liability in relation to the credit analysis and resulting contractual obligations. For more information, please visit or send enquiries to email address:

20.4 We advise you to keep a copy of the terms and conditions along with a copy of your invoice and financing documentation for your records.

20.5 Pauls Cycles Ltd acts as a credit broker and only offers products from Secure Trust Bank Plc trading as V12 Retail Finance. Pauls Cycles Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 735004. Credit provided subject to age and status. Pauls Cycles Ltdmay receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.


21.1 We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this. If you are unhappy with the transfer you may contact us to end the Contract within 14 days of us telling you about it and we will refund you any payments you have made in advance for Goods not provided.

21.2 You may not assign, sub-license or otherwise transfer any of your rights under these terms and conditions unless we agree to this in writing.

21.3 No person other than the parties to these terms and conditions are intended to benefit from them pursuant to the Contracts (Rights of Third Parties) Act 1999. Neither you or us will need the agreement of any other person in order to end the Contract or make any changes to these terms.

21.4 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 Goods, we can still require you to make the payment at a later date.

21.5 If any provision of these terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect.