Your Rights, Privacy and Data Protection
 
   
  Data Protection
  We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not credit is granted. We may use creditscoring methods to assess your application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by JD Williams and Company Limited and other third-party organisations when credit decisions are made about you or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account and also for marketing purposes.

We may also use your information, including shopping habits, to open and run your credit account. It may be used for payment recovery, fraud prevention, debtor tracing and for our marketing. Unless you have previously stated otherwise, we may share your information with other carefully selected third party organisations. We or they may contact you for marketing purposes by mail, telephone, which may include automated calling systems, electronic mail or otherwise.

If you do not wish to be contacted by third-party organisations for marketing purposes or wish to access the personal data that we hold about you, or you wish to exercise any of your other statutory rights under the Data Protection Act 1998, please contact the Data Protection Compliance Officer at Griffin House, 40 Lever Street, Manchester M60 6ES. A fee of £10 is payable for each subject access request that you submit. Any statutory change in this fee will be advised to you at the point of application.

Some of the information you provide may occasionally be transferred outside the European Economic Area. In some cases, countries outside the EEA may not have as well developed data protection laws as those in the EEA. However, we will put in place measures to require that your personal data is kept secure and is only processed strictly in accordance with the terms of this privacy policy.

If we enter a credit agreement with you, we will also supply details of your agreement with us to the credit reference agencies, as well as ongoing details of your account and how you manage it. If you do not repay on time or in full, we will tell the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches. Information held about you by the credit reference agencies may already be linked to records relating to those with whom you are financially linked. For the purposes of credit searching you may be treated as financially linked and you will be assessed with reference to any 'associated' records. We may make periodic searches of our records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or to continue to extend existing credit. These searches will not be available to other lenders for credit assessment purposes. You will have the right to access your personal records held by credit and fraud agencies. We will supply their name and addresses upon request to Data Protection Compliance Officer at Griffin House, 40 Lever Street, Manchester M60 6ES. We, the credit reference agencies and fraud prevention agencies may also use the records for statistical analysis about credit, insurance and fraud.
   
  Returns
  Statutory rights of return defective goods
  If anything you order from us fails prematurely due to either defective workmanship or materials we will provide you with an appropriate remedy, which may be repair, replacement or full or partial refund. Please contact us to arrange for the return of defective items.
  Consumer Protection (Distance Selling) Regulations 2000
  You have the right to cancel your order for any item apart from items made to your specifications or clearly personalised items which by reason of their nature cannot be returned or are liable to deteriorate or expire rapidly, and audio and video recordings and computer software that you have unsealed or used. Further details of this right, which may be exercised up to and including the seventh day (excluding Saturdays, Sundays and public holidays) after the day of delivery, will accompany the delivery. If you wish to exercise your statutory right to cancel, you must notify us in writing within the statutory period and immediately return the items that you do not wish to keep to us at your cost (unless the goods were substitute goods which we selected for you). You must take reasonable care of the goods. If you cancel within the statutory period you may claim a refund of any sum you have paid concerning the goods, less any charges we may make for collecting the goods if you do not return them at your own cost.
  Your home approval rights
  We're certain you'll be satisfied with all our products and services, but if you're not completely happy, you can be reassured by our 14-day home approval period. This guarantee is in addition to your statutory rights and doesn't affect them in any way. You must return any items to us in new condition within 14 days of receipt as after this date we may not accept them, and may send them back to you at your expense. If, at our sole discretion, we do accept your late return, we reserve the right to make a charge to cover our costs in processing it - currently this charge is £3.00 per item. We'll credit your account for your return which you can apply to orders placed in the future.
  Price policy
  We describe every item in our catalogue as accurately as we can. However, occasionally product description or pricing errors may occur. If after you have submitted your order we discover such an error or the item ordered becomes unavailable we will do our best to inform you at the earliest opportunity. You may then choose whether to proceed with your order or to cancel it. If we are unable to contact you we may treat your order as cancelled. Subject to this it is our intention that prices remain valid for the life of this catalogue. All orders are subject to our acceptance. Acceptance of your order and the formation of the contract between you and us will only take place when the goods are despatched to you. Finally, all our products are subject to availability.
  Protecting your interests and our complaints procedure
  Our aim is to get it right first time, and if we do make a mistake we will try to put it right promptly. If you have a query or complaint, please call our Enquiry Line and one of our advisors will be happy to help you; we'll do our utmost to work with you to reach a satisfactory outcome over the phone. If we can't, or we need to do some more investigation, we'll confirm receipt of your complaint within five working days and, in most cases, resolve the problem within four weeks.

Complex complaints can take a little longer and if this is the case, we will always let you know when to expect an answer. If together we have not reached an agreement within eight weeks, we will provide you with information about the Financial Ombudsman Service.

You can contact us at any time while your complaint is being investigated, by writing to Service Resolution Manager, Home Shopping Direct, Customer Contact Centre, 23 Hunts Bank, Manchester M3 1AX. Don't forget to include your Customer Number so we can find your records quickly.

We subscribe to the Mailing Preference Service and the Telephone Preference Service.

For staff training and for quality control purposes, your calls may be monitored or recorded.
  Important notice: Home approval exceptions
  Conditions apply in respect of the return of some items - details below. Your statutory rights are unaffected by this policy.
   
 
YOUR HOME APPROVAL PERIOD
Product Types Condition
Your statutory rights are unaffected
Any personalised and perishable items This item is non-returnable.
Home electricals/Cycles/Mobile phones/Garden equipment This item may only be returned if unused within 7 days of receipt and in the original packaging.
Any products requiring self-assembly This item is non-returnable once assembled.
Any floor coverings and blinds This item is non-returnable once cut or trimmed to fit.
Curtains This item is non-returnable once the fitting cord has been pulled.
Cosmetics, Computer games/Audio CDs/DVDs etc This item is non-returnable once the seal is broken.
Any installed products. This item is non-returnable once installed, connected or used.
Personal care products/Pierced jewellery etc For reasons of hygiene, this item is non-returnable.
Bedding and beds etc This item is non-returnable once the protective cover is removed.

   
  YOU MAY PRINT OUT AND KEEP A PERMANENT COPY OF THESE TERMS AND CONDITIONS FOR YOUR REFERENCE BY CLICKING HERE

Ways to Pay Section |  Deliveries & Returns Section |  Your Rights, Privacy & Data Protection Section |  Your Personal Account
The Environment & Other Useful Information  | Cover Plans  | Account Protection Plans

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