“Working day” shall mean any day excluding Saturdays, Sundays and public or bank holidays.

1.These conditions shall apply to all of the company’s quotations and contracts, orders (including telephone, facsimile transmittal, postal and internet orders) for the sale or supply of goods accepted by the company. For the trade buyer, any other terms or representations, whether implied by statute, made prior to, collateral with or subsequent to the contract or order are hereby excluded and shall not be binding upon the company.

2.Brochure descriptions, Web Site information and samples on display are indicative only and any specifications, weights, measurements and technical data (whether relating to performance or otherwise) have been prepared by manufacturers and are for guidance only. Additionally, parts or components pictured or described within brochures or websites are for illustration purposes only and may vary in size, specification, colour and fitment dependent up the make and model of your vehicle. Buyers are therefore required to check current specification, colours, weights and measurements with manufacturers or the Company, prior to order. Manufacturers also allow tolerances within the manufacture of their products and also reserve the right to amend specifications, without notice, in order to improve products or where amendment becomes necessary. Manufacturers may also alter specifications to improve products and the Company shall endeavor to inform the Purchaser of any such amendment or change.

3.The company reserves the right to amend technical or clerical errors in any order without notice. In addition, the buyer shall ensure that all details contained within the order are correct prior to submission to the Company. Subsequent to delivery, the Company shall accept no liability for any error or inaccuracy in order unless notified of such error within seven days of delivery/receipt of any document containing the said error.

4.Delivery charges and estimated timescales are specified in the shipping options section when you place an order. We make every effort to deliver goods within the estimated timescales; however delays are occasionally inevitable due to unforeseen factors. YMRACING shall be under no liability for any delay or failure to deliver the products within estimated timescales.
5.Risk of loss and damage of products passes to you on the date when the products are delivered or on the date of first attempted delivery.
6.Unless otherwise stated, all shipments will be dispatched within 48 hours and the transit time dictated by the courier chosen, please contact us should you require another shipping method.

7.Payment. We take payment from your card at the time we receive your order, once we have checked your card details and stock availability. Goods are subject to availability. In the event that we are unable to supply the goods, we will inform you of this as soon as possible. The option of waiting for stock or receiving a full refund will be given where you have already paid for the goods.
7.1.To ensure that your credit, debit or charge card is not being used without your consent, we will validate name, address and other personal information supplied by you during the order process against appropriate third party databases. By accepting these terms and conditions you consent to such checks being made. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information. You can rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the relevant UK Data Protection Act.
7.2.While we try and ensure that all prices on our website are accurate, errors may occur. If we discover an error in the price of goods you have ordered we will inform you as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you we will treat the order as cancelled. If you cancel and you have already paid for the goods, you will receive a full refund.
7.3.Payment can be made by credit card, debit card or PayPal. Some credit facilities may be available for your purchase, dependent upon your order value and other conditions, available upon request.

14.All guarantees for products are provided entirely by the manufacturers/UK importers and are subject to terms contained therein. Purchasers are reminded to complete and return all warranty cards/documents upon receipt of goods where appropriate.

VULNERABLE CUSTOMER POLICY

OUR PROCESS FOR DEALING WITH POTENTIALLY VULNERABLE CUSTOMERS

A person is unable to make a specific decision if he cannot understand information about the decision to be made, cannot retain that information in his mind, cannot use or weigh that information as part of the decision-making process, or cannot communicate his decision.

A person with mental health problems who is in debt is particularly vulnerable due to (potential):

• ● Lack of money management skills
• ● A reliance on benefit income
• ● Fluctuations in income or inability to work
• ● Unmet housing, care or treatment needs
• ● Poor communication skills
• ● A relationship breakdown
  Assessing a person’s mental health is complex but needs to be recognised in early contact and addressed appropriately. If we believe a person may be vulnerable, we will ask 3 key questions:
  1. Does your mental health affect your financial situations?
  2. Does it affect your ability to deal with or communicate with us?
  3. Does anyone help you to manage your finances such as a family
     member?
• Signs we look out for when identifying vulnerability in customers:
  1. ● Do they ask you to speak up or speak more slowly?
  2. ● Do they understand what you are saying, or do they miss important bits?
  3. ● Do they appear confused about what is being offered?
  4. ● Do they ask any unrelated questions?
  5. ● Do they keep wandering off the point in the discussion and talk about
     irrelevant things or things that don’t make sense?
  6. ● Do they keep repeating themselves?
  7. ● Do they take a long time to answer questions or say that someone else deals
     with these things for them?
  8. ● Do they have a language barrier?
  9. ● Do they say they don’t understand their bank statements, a previous phone
     conversation or recent written correspondence?

Steps we take if we believe a customer may be vulnerable:

• ● We speak slowly, clearly and explain fully
• ● We are patient and empathise where appropriate
• ● We don’t rush as it may sometimes take the customer time to get relevant
  information together such as account details
• ● We keep on the subject under discussion
• ● We do not make assumptions about a customer’s needs
• ● We clarify understanding at every point and always ask if there is anything
  else he would like us to explain
• ● We ask the consumer to explain to us what he understands the agreement to
  be
• ● We offer alternative types of communication – phone, post, email, in person
• ● We do not make assumptions that the person we are dealing with is sighted
  as he may be unable to read or understand serial numbers or account
  numbers
• ● We do not make assumptions that the customer we are talking to can hear
  everything we say as he may have a hearing impairment
• ● We always remember that the customer we are speaking to may sometimes
  be forgetful or overly trusting and believe that a sales representative is always
  acting in his best interest
• ● We understand that some customers may be lonely and welcome the
  opportunity just to talk to someone
• ● We give the customer time to explain his circumstances fully and don’t
  interrupt or appear impatient
• ● We also listen for what is NOT being said, for example, lack of questions
  about price, lack of commitment, timing of responses, extended silences
• ● We always ask if there is a better time to discuss matters as some customers
  may perform better at different times of the day
• ● We ask if there is anyone else the customer may need to talk to before
  making the decision
  Prior to forming the contract:

● We ensure that the consumer demonstrates that he has an understanding of the decision he needs to make, why he needs to make it and that he understands the consequences of making, or not making that decision.

• ● We ask if he needs to discuss the matter with anyone else, or if he would like us to explain anything else, or if there anything else we can do further to help
• ● We are always prepared to repeat anything to clarify understanding
• ● We do not assume that the customer fully understands all the implications of
  the agreement and explicitly and clearly confirm all the key features
• ● We suggest that he talks it through with someone else and offer to re-contact
  him. If appropriate we suggest that a third person could be present
  Post Contract:
• ● If we identify particular communication needs, we store that information so future contacts are handled appropriately with his permission
• ● We record that we are satisfied that the customer completely understood everything that was discussed
• ● We allow customers to make a personal declaration about his capabilities or communication needs and store this information with his permission
• ● Any records that are held are with the full knowledge and consent of the customer and are deleted when the relationship no longer exists in accordance with GDPR.
  If we identify a customer who may be in need of specialist advice which we are unable to offer:
• We will refer them to, or we will seek guidance from an appropriate organisation such as:
• Stepchange
• Moey Advice Trust
• CAB
• Samaritans
• Age UK Alzheimers Society Mind

Sources of guidance we refer to:

Equality Act 2010
Mental Capacity Act 2005
CONC 2.10 Contact with customers
Mental Capacity Guidance
Irresponsible Lending Guidance
MALG Consumers with mental health problems & debt MALG 12 steps to treating vulnerable consumers fairly