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Terms & Conditions



These pages contain information on the terms and conditions for purchases from Shipton & Co. Ltd (

Business Policies
All orders are subject to our full terms and conditions (below). Nothing in these conditions affects your statutory rights as a consumer. Standard conditions of sale

1. Definitions

1.1 "Buyer" means the person who buys or agrees to buy the Products from the Seller.

1.2 "Conditions" means the terms and conditions of sale set out in this document and any special terms and conditions agreed in writing by the Seller.

1.3 "Delivery date" means the date specified by the Seller when the Products are to be delivered.

1.4 "Products" means those goods specified.

1.5 "Price" means the price for the Products including carriage, packing and VAT.

1.6 "Seller" means Shipton & Co.

2. Conditions applicable

2.1 Nothing in these conditions shall affect the buyer's statutory rights as a consumer. The Seller shall sell and the Buyer shall purchase the products in accordance with any written quotation of the Seller which is accepted by the Buyer, or any written or verbal order of the Buyer which is accepted by the Seller including but not limited to orders placed using the Seller's electronic online ordering service, subject in any case to these conditions, which shall govern the contract to the exclusion of any other terms and conditions subject to which any such quotation is accepted or purported to be accepted, or any such order is made or is purported to be made, by the Buyer.

2.2 Any typographical or clerical or other error or omission in any sales literature, quotation, price list, acceptance of offer, invoice or other document or information issued by the Seller shall be subject to correction without any liability on the part of the Seller. The seller reserve the right to cancel any order that contains a pricing error, a refund of P&P will be made as appropriate. Should the buyer seek to exploit and error with multiple free items or obviously incorrectly priced items the seller reserves the right the charge and admin fee of £25 to cancelling multiple orders. 

2.3 If any provision of these conditions is adjudged invalid or unenforcable in whole or in part the validity of the other provisions of these conditions and the remainder of those provisions in question shall not be affected.

2.4 If the Seller does not have sufficient stock to be able to deliver the goods ordered by the Buyer then any sum paid by the Buyer will be refunded or re-credited to your account and the Seller will notify you at the address given by you in your order form. The refund will be made as soon as possible and, in any event, within 30 days of your order and the Seller will not be obliged to offer any compensation for disappointment suffered.

3. The price and payment

3.1 Save as provided otherwise herein the Price shall be that as stipulated in the Seller's published price list current at the date of order of the Products. Any event of any increase in the cost to the Seller of raw materials, labour, overheads, or any increase in taxes or duties, or any variation in exchange rate the Seller may increase the Price payable under the contract upon written notice. If notice of price increase is given by the seller, the buyer shall have the right to cancel the order and receive back any sums they have paid. Notice of cancellation must be received in writing by the seller within seven days of delivery of the notice of price increase to the buyer.

3.2 Payment of the Price shall be due at the date of the order. Time for payment shall be of the essence. If the Buyer does not pay the Price on notification of shipment the Seller may bring an action for the Price even though property in the Products has not been passed to the Buyer. If the Buyer fails to make payment as required the Seller may suspend delivery of the Products or any further Products ordered until payment is made in full.

3.3 Interest on overdue invoices shall accrue from the date when payment becomes due from day to day until the date of payment at the rate of 2% above Barclays Bank Plc's base rate from time to time in force and shall accrue at such a rate after as well as before any judgement.

4. The products

4.1 The quantity and description of the Products shall be set out in the Seller's quotation.

4.2 The Seller may make any changes in the specification of the Products which do not materially affect their quality or performance required to conform with any applicable statutory requirements where the Products are supplied to the Seller's specification.

4.3 Photographs are for illustrative purpose only, and may not exactly match the product itself.

5. Title and risk

5.1 Risk of damage to or loss of the Products shall pass to the Buyer upon delivery.

5.2 Notwithstanding any other provision herein title in the Products shall not pass to the Buyer until the Seller has received in cash or clear funds payment in full.

5.3 The Buyer shall not be entitled to pledge or in any way charge by way of security for any indebtedness any of the Products which remain the property of the Seller, but if the Buyer does so all moneys owing to the Seller shall (without prejudice to any other right or remedy on the Seller) immediately become due and payable.

6. General

6.1 Neither party shall be liable for any delay or failure to perform any of its obligations if the delay or failure results from events or circumstances outside its reasonable control, including but not limited to strikes, lock outs, accidents, war, fire, reduction in or unavailability of power at the Seller's premises or its manufacturing plant, breakdown of plant or machinery or shortage or unavailability of raw materials from a natural source of supply, and the party shall be entitled to a reasonable extension of its obligations.

6.2 Any notice required or permitted to be given by either party to the other under the conditions shall be in writing and in the case of notices to the Seller, addressed to the Seller at its registered office or in the case of notices to the Buyer, at the Buyer's address as provided to the Seller.

7. Headings

7.1 The headings of the Clauses in these conditions are intended for reference only and will not affect the construction of these conditions.

7.2 Representations No statement, description, warranty condition or recommendation contained in any catalogue, price list or advertisement or communication or made verbally by any of the Agents or Employees of the Seller shall be construed to enlarge, vary or override in any way thereof any of these conditions.

7.3 Additional costs The Buyer agrees to pay for any loss or extra cost incurred by the Seller through the Buyers instructions or lack of instructions or through failure or delay in taking delivery or through any acts or default on the part of the Buyer, its servants, agents or employees.

8. Proper law of contract

This Contract shall be governed by the law of England and Wales and any dispute, question or remedy howsoever arising determined exclusively by the Courts of England and Wales. Back Orders If your item is not in stock, we will back order for you. You will always be emailed with the option to cancel your order if you would rather not wait. Credit Card Security When the order is placed at our website, credit card numbers are encrypted using 128 bit encryption. They are only decrypted after they reach our computer. They are not held in clear text on any web site.

9. Interest Free Credit. 0%APR Representative

9.1 For purchases of £350 or over with a deposit of 20% required, you can benefit from 10 interest free instalments on the balance.

9.2 If you want to take advantage of our 0% APR credit offering please contact our Customer Services on 0121 236 2427 . Calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras.

9.3 To apply for credit you must:

Be aged 18 years and over, a UK resident and have lived here for the last 12 months (unless HM Armed Forces).
Have a current UK bank account and a UK telephone number.
Be in permanent employment for at least 16 hours a week, self-employed, retired or in receipt of incapacity allowance.
Have not had a County Court Judgement in the last 6 years nor been declared bankrupt.
Have a good credit history and must not be currently in arrears on your credit payments.
You must also provide one of the following as proof of identification: Debit card, credit card, current payslip, driving licence, pension book, utility bills or passport.
9.4 Interest FREE - Free Credit*

With our Interest- Free Credit options if you spend £350 or more you can buy the piece of jewellery that has caught your eye and spread the payment equally 10 monthly instalments. What's more there are no interest charges and no early settlement charges and you just need to pay a 20% deposit upfront.

Here's an example of what you would pay for a £1,200 diamond ring on our 10 Months Interest-Free Credit:

Product Cost £1,200
Deposits at 20% £240
Total Amount of Credit £960
10 monthly payments of £96.00
Total Payment £1,200
Typical 0% APR Representative*

*Terms and conditions apply, Credit, subject to age and status, is provided by through Hitachi Capital Consumer Finance's (HCCF)


9.5 Declined Credit Applications

Your application will have been given full consideration through Hitachi Capital Consumer Finance's (HCCF) credit scoring system. This system takes into account information provided directly by you, on your completed application form. Points are allocated to each piece of information supplied and then added up to produce a total score. A Credit Reference Agency will also have been contacted and a score applied to the information they hold about you.

Your application may have been declined either due to the score attributed to your application details or the score from the Credit Reference Agency, not meeting Hitachi Capital Consumer Finance's (HCCF) minimum requirements.

As your application may have been declined due to information from a Credit Reference Agency, in accordance with section 26 of the Consumer Credit Act 1974, Hitachi Capital Consumer Finance's (HCCF) are required to notify you that the Agency consulted on your applications was:-

Experian Help Service
P.O. Box 8000

The Agency will be happy to provide you with a copy of your file if you write to them direct enclosing a £2.50 administration fee. If your application was declined due to the score attributed to your personal application details the information you receive from Experian may not show anything detrimental.

We understand that you may be unhappy with Hitachi Capital Consumer Finance's (HCCF) decision and wish to discuss the matter further. Unfortunately, due to the Data Protection Act they are unable to discuss this with you over the telephone. However, you can write to the address details provided by Hitachi Capital Consumer Finance in the decline letter which you were provided with on the decision page of application, they will be happy to provide you with more information regarding the decision.

Please rest assured that HCCF's decision to decline your application is known only to yourself and Shipton & Co and has not been disclosed to any outside organisation.

As a member of the Finance and Leasing Association (FLA) and the Consumer Credit Trade Association HCCF follow the principles of the FLA's "Guide to Credit Scoring" agreed with the Office of Fair Trading.

9.6 Credit options

You can apply for credit at all our local Shipton & Co stores. Unfortunately this service is not available for online purchases or in our Eire, Isle of Man and Channel Island Stores (Jersey & Guernsey).

The credit advertised is provided by one credit provider with whom we have a commercial relationship – Hitachi Capital Consumer Finance, 2 Apex View, Leeds LS11 9BH Credit subject to acceptance. Selected items may require a higher deposit. Ask for details.

10. Complaints

Our complaints department can be contacted by post:
Shipton & Co Ltd
27-33 Spencer Street
B18 6DL

by telephone (0121 262 6478) or via Email:

11 Escalator voucher T&C's

This escalator voucher is worth £5.00 – there is no minimum spend. You may increase the value of the voucher according to the scale overleaf when you spend more. This escalator voucher can be redeemed at any Shipton & Co branch or by post, web, phone or fax in one single transaction against any purchase and is valid until the date shown above. Full details are available on written request available from Shipton & Co Ltd, 27-33 Spencer Street, Birmingham B18 6DL. This escalator voucher may be redeemed in conjunction with any other vouchers you have received as part of the loyalty card scheme. To calculate the qualifying spend, you take the purchase price of the items bought and deduct from that the value of any normal vouchers that you may wish to redeem in conjunction with this escalator voucher.


• The escalator voucher is not transferable.

• Only one escalator voucher may be redeemed in any one transaction, should you accidentally be sent more than one.

• If an escalator voucher is used, normal loyalty card stamps are not issued.

• This offer is time limited as printed on the face of the escalator voucher.

• This escalator voucher may only be redeemed for goods. It has no cash value.

• This escalator voucher may only be redeemed for goods. It may not be used to pay for repairs or rethreads.