Terms and Conditions

2. (a) "We", "Us", "Our" and "Cargem" shall refer to Hiltop Motors Limited T/A Cargem whose registered number is 7055994 and the registered office is, 1 Stansfeld Road, London, E6 5LU & the vat number is 982 5973 63.

   (b) "You" and "Your" shall refer to You personally, being the customer or prospective customer desiring to purchase Goods from Us.

   (c) "Goods" are used vehicles supplied by Us plus any ancillary products or services.

   (d) "Secured Finance" are facilities arranged on Your behalf by Us, with Your full consent, to provide funding for the purchase of Goods. These take the form of Hire Purchase, Personal Contract Purchase and any other form of funding provided by a Financial Institution that uses the Goods as a form of security.

   (e) "Unsecured Finance" are facilities arranged on Your behalf by Us, with Your full consent, to provide funding for the purchase of Goods. These take the form of Personal Loan, Motor Loan and any other form of funding provided by a Financial Institution that does not require any security being invoked on the Goods.

   (f) "Payment Method" is by Bankers Draft, Credit/Debit card, Bank Transfer or Finance Company Transfer (if a Secured Finance or Unsecured Finance agreement is in place). Credit or Debit Card payments will only be accepted to a maximum value of £500. Card holder not present transactions will only be accepted up to a value of £500 and for payment of a deposit amount only.

   (g) "Place of Business" represents any place where We trade with face to face interaction with You and Our Goods are presented for retail to the general public.

   (h) "Distance Contract" represents any form of sale conducted by Us to You, as long as You are a Consumer, that does not include any face to face contact at one of our Places of Business from (and including) an initial order being raised on a vehicle until the time of delivery of the Goods at which point Our contract is concluded. In these cases the contract is governed by both the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the E commerce regulations, Consumer Protection from Unfair trading Regulations and Consumer Rights Act as appropriate.

   (i) "Specification" represents the accurate description of the vehicle make, model and derivative of the vehicle and any manufacturer fitted feature of the vehicle such as, but not limited to, engine; colour; wheel size; upholstery; equipment or other feature that has a material effect on the valuation of the vehicle.

   (j) "Consumer" means an individual acting for purposes that are wholly or mainly outside that individual's trade, business, craft or profession.

3. Your privacy is important to Us. We shall keep and use any data relating to You in accordance with the provisions of all relevant data protection legislation in order to process Your order and payment, and (unless You request Us not to do so) to inform You about similar products or services that We provide. You may object to receiving this information at any time by going to Our Privacy Policy on Our website www.cargem.co.uk or by contacting Us via email to [email protected] in accordance with these Terms and Conditions.

4. If You are reserving a vehicle via Our website cargem.co.uk (or any other url used under license by Us) or Our customer contact centre & pay our reservation fee of £199, then We will remove a vehicle from sale to the general public & hold it for a period no longer than 48 hours and You have an obligation to be in contact with Us via one of Our stipulated methods within 24 hours of placing the reservation.

Reserving a vehicle does not enter You into a contract to purchase the vehicle, You will not be committed to buy the vehicle until You have visited our store, completed and signed a standard Vehicle Order Form and paid a deposit. You will need to arrange this appointment with Us.

If You fail to contact Us within 24 hours of placing the reservation, or if You have not agreed to purchase the vehicle within 48 hours of reservation, We reserve the right to make the vehicle available for sale to the general public again and We will refund You the reservation fee back to the original credit or debit card used to make the initial reservation.

If You are reserving a vehicle that You have not had the opportunity to inspect, be it either by way of a Distance Contract or if We are requested by You to move a vehicle from one Place of Business to another, You are entitled to a full refund of the reservation fee monies. These monies will be returned by Us by way of manual cheque or, if a debit/credit card was used, by way of refund of the same amount back to the payment card(s).

If You decide to order the vehicle You have reserved, Your reservation fee will form part of the purchase transaction.

If You wish to cancel the reservation We will refund the reservation fee. Your reservation fee will automatically be refunded to the original credit or debit card 3 days after you placed the reservation.

We may cancel the reservation for whatever reason whereupon We will refund the reservation fee.

5. In You placing an order it enables Us to remove a vehicle from retail sale to the general public and prepare the vehicle for delivery. To do this a non-refundable deposit is required by You, the amount of the deposit required is subject to variation at the sole discretion of Us and will usually be a minimum of £500 per vehicle. This will be taken separately to any reservation fee. On receipt of the deposit monies We will remove a vehicle from sale to the general public.

In the event where We fail to arrange Secured Finance or Unsecured Finance for You once You have ordered a vehicle, You are entitled to a full refund of the deposit monies. These monies will be returned to You by Us by way of manual cheque or, if a debit/credit card was used, by way of refund of the same amount back to the payment card(s). Refunds may take up to 10 days to appear on Your credit or debit card statement.

6. The deposit having been paid upon the placing of an order then the balance payable (or as the case may be, the sum required to complete any initial payment to a Finance Company) is to be paid by You or if applicable the 3rd party Finance Company prior to delivery of the Goods.
   
   Methods of payment:
   
   By Credit or Debit Card (max £500 per customer), remaining balance via Online bank transfer or Cash payments up to £8,000 (cash handling fee of 2% applies). We do not accept cheques.

7. Delivery of the Goods is to be taken at Our Place of Business within 7 days of notification to You that the vehicle is ready for delivery. The Goods shall remain in Our beneficial ownership until full payment for the goods has been received. The risk in the goods, however, shall pass to You upon delivery. If You request Us to relocate a vehicle from one Place of Business to another We reserve the right to charge You the reasonable costs incurred in completing the transfer. These costs will be notified in writing to You prior to the transfer being made and will be in addition to Your deposit requirements. This transfer charge will be non-refundable.
8. Under Distance Contracts and in exceptional circumstance at Our sole discretion We will arrange and agree a delivery to Your fixed place of residence. We may require proof of address to be provided before a delivery is arranged and proof of identity will be required at the point of delivery. A delivery charge may be made, the amount of which will be determined in line with the distance required to move the vehicle from Our Place of Business to the delivery address. The delivery charge will be communicated prior to completion of the contract and will be subject to VAT.

9. Unless specifically agreed, the date for delivery of the Goods is not known at time of sale.

Any date provided is an estimate only. We will use Our best endeavours to secure delivery of the Goods by the estimated delivery date (if any) but We do not guarantee the time of delivery and shall not be liable for any damages or claims of any kind in respect of delay in delivery. We shall not be obliged to fulfil orders in the sequence in which they are placed.

If We shall fail to deliver the Goods within 21 days of the estimated date of delivery stated in this contract, You may by notice in writing to Us require delivery of the Goods within 7 days of receipt of such notice. If the Goods shall not be delivered to You within the said 7 days the contract shall be cancelled.

Unless specifically agreed We are not responsible for any delays cause by issues outside of Our control, including any import or export delays.

10. If You do not pay for and take delivery of the Goods within 7 days of notification that the vehicle is available for delivery, We shall be at liberty to treat the contract as cancelled. If this happens, or if You cancel the contract for any other reason not permitted by this contract, We will sell the Goods to another person. We are entitled to recover any additional costs We incur in re selling the vehicle plus any reduction in the sales price achieved.
    
    

Once We have sold the Goods, We will notify You within 7 days as to how much We have lost as a result of having to re sell. We will include a statement showing Our calculation of our costs.

We reserve the right to make a reasonable daily charge for the storage of the Goods.

The deposit can however be transferred by You in full to another vehicle on Your request at any time within 14 calendar days from the point at which this contract is repudiated.

11. We reserve the right to invoke a Failed Delivery Charge of £150 per instance to compensate Us for costs incurred for a failure by You to meet an agreed delivery appointment made with Us to deliver the Goods to Your fixed place of residence that was previously confirmed in writing (including email). Failed Delivery Charges will be waived should You provide in writing a minimum of 48 hours notice of Your inability to meet the agreed appointment.

12. Where We agree to allow part of the price of the Goods to be paid by You delivering a part exchange vehicle to Us, such part exchange vehicle shall be delivered and accepted upon the following conditions:
1. That, after examination of Your vehicle and inspection of the accompanying documentation at the time of any agreement being made as to a valuation by Us, it shall be delivered in the same condition and within 500 miles on the odometer as and when so examined. We reserve the right to revalue Your vehicle if You fail to adhere to this requirement. The order and any allowance in respect of a used motor vehicle offered by You in part exchange is subject to acceptance and confirmation in writing by Us. If You have used Our online valuation tool to guarantee the valuation of Your vehicle, the price offered is still dependant on this inspection taking place to verify the accuracy of the vehicle description submitted when You requested Your guaranteed online valuation.
2. That where the part exchange vehicle is the subject of a Secured Finance agreement We shall be entitled to make any such settlement payment to the Finance Company and will, with the consent of that Company, finally discharge such agreement as part of the balance of Your vehicle purchase from Us.
3. You will disclose to Us whether the part exchange vehicle is subject to an existing Secured Finance agreement, if this is not disclosed to Us and later becomes apparent You will be liable to repay to Us any amounts required to be paid by Us to the Finance Company to discharge such agreement. We will conduct our own checks using industry standard ownership verifications to seek confirmation of any Finance Interest placed on the vehicle, however this does not waive Your disclosure obligations under this agreement.
4. If this agreement is cancelled after Your used vehicle has been delivered to Us, and We are required to provide to You, in line with Your legal rights, a refund, then We will provide You with the equivalent value of the used vehicle as agreed in the purchase transaction by way of refund. We will not provide a return of Your used vehicle.
5. If a cancellation is invoked under this agreement and the amount paid to the Finance Company under clause 12(b) or 12(c) as the case may be, exceeds the value agreed in part exchange of the vehicle, You are liable to Us for the differences between these amounts with the payment needing to be made within seven (7) days of You sending notice to cancel this agreement either under clauses 15 and 16 or in line with Your statutory rights.
6. That if the Goods to be delivered by Us through no default on the part of Us shall not be delivered to You within 21 days after the date of Your order or the estimated delivery date, where the date is later, the allowance on the said part exchange vehicle shall be subject to a reduction by an amount not exceeding 2½% for each completed period of 30 days from the expiry of the first mentioned 30 days to the date of delivery to You of the Goods.
7. That if Your part exchange vehicle is handed over without the necessary documentation, namely V5, MOT Certificate (where applicable), Service History (where applicable), Spare Keys (where applicable), user manuals and any accessories there may be (such as locking wheel nut, radio fascia or remote controls), We are entitled to request security of up to £500 is provided in order for the contract to be concluded and for You to take delivery of the Goods. This security will be repayable within 10 working days on provision of the aforementioned documentation and You have 14 calendar days to provide. Failure to provide the information will result in You forfeiting Your entitlement for a return of the security (or the value provided for Your vehicle will be adjusted accordingly). We will also expect You to remove any personal possessions and data from the vehicle, We will not be responsible for any personal items lost once the vehicle is in Our possession.
8. That if Your part exchange vehicle, due to the vehicle age, requires a valid MOT certificate which is not available, and is being supplied in conjunction with a Distance Contract then You must notify Cargem prior to Our collection of Your vehicle. Failure to do this will result in Cargem being unable to collect Your vehicle and We will require either payment to the value allowed for Your vehicle or the event will subject to a Failed Delivery Charge.
9. If We buy a part exchange vehicle from You, We will be relying upon Your representation that;
• You are legally capable of entering into a binding contract to sell the vehicle.
• You are at least 18 years old.
• To the best of Your knowledge, information and belief You are the sole legal and beneficial owner of the vehicle, the mileage reading on the vehicle is true and accurate and the odometer has not been tampered with, You have disclosed to Us all matters which a prudent purchaser would want to know about, such as physical defects in the vehicle (e.g. if it has any mechanical problems or major damage), and the vehicle is registered in the UK.
• That the vehicle is free from any encumbrance whatsoever, unless previously stated in writing by You to Us.
10. In the event that We discover at anytime that any of the above representations are (or are likely to be) inaccurate, untrue or false then We reserve the right (at Our sole discretion) to request additional documentation or information from You to determine whether the above representations are untrue or false. In addition, We reserve the right to withdraw any offer to purchase Your vehicle with immediate effect, rescind any contract with immediate effect or (where appropriate) seek damages from You.
13. We may agree to purchase Your used vehicle under a Distance Contract. In these instances Your responsibilities under clause 12 still apply. Whilst an indicative price (or guaranteed price if generated via Our online valuation tool) can be estimated for Your vehicle based on Your description and mileage provided, a final valuation in these instances will not be provided until a physical inspection of the vehicle has taken place by a Cargem employee or representative of Cargem to verify the descriptions made are true and accurate.
14. Should Your used vehicle be purchased by a Secured Funding or Unsecured Funding method through Us, then You have the right to cancel the finance agreement for 14 calendar days commencing from the day following the date of the delivery or the date the agreement starts, whichever is soonest, of Your Goods. However, Your vehicle purchase contract with Us is unaffected.

15. Should Your used vehicle be purchased by a Secured Funding or Unsecured Funding method through Us, then You have the right to cancel the finance agreement for 14 calendar days commencing from the day following the date of the delivery or the date the agreement starts, whichever is soonest, of Your Goods. However, Your vehicle purchase contract with Us is unaffected.

16. You reserve the right to cancel this contract within 7 days without providing any specific reason. The cancellation period will end after 7 days or after covering 25 miles, calculated from the date and mileage at which you or a third party, acting on your behalf, collect or take delivery of your vehicle.
    To exercise the right to cancel, you must communicate your decision to cancel this contract by emailing us at [email protected] through a clear statement, or by sending a post to our address (Cargem, 1 Stansfeld Road, London E6 5LU).
    To comply with the cancellation deadline, it suffices for you to send your clear statement or form confirming your decision to cancel before the cancellation period expires.
    If you opt to return your vehicle, we will make every effort to find another vehicle for you to purchase from our stock. Should you decide against or if we fail to find an alternate vehicle, we won't be able to return your part-exchanged vehicle (if applicable) as part of the deal. If the agreed value of the part-exchanged vehicle was lower than the amount utilized to settle your finance agreement (known as negative equity), you will be responsible for this difference, deducted from your final refund amount. We will reimburse payments received from you, excluding the cost of delivering the goods to you. The reimbursement is subject to the following:

1. We might deduct from the reimbursement for any decrease in the value of any goods provided if the decrease is due to unnecessary handling by you.
2. You are required to return the vehicle in the same condition as when received. We must receive the vehicle within 7 days of your written notice of cancellation. Once you have notified us, you cannot use the car except for its delivery back to us. You must still tax and insure the vehicle until it is received by us.
3. We will provide reimbursement without undue delay, and no later than 14 days after the day we receive back from you the vehicle and all supplied documents, including, but not limited to, service histories, V5 documentation, and both spare keys.
4. The reimbursement will be made using the same payment method you used for the initial transaction, unless expressly agreed otherwise. Under no circumstances will you incur any fees as a result of the reimbursement. This might involve returning any part-exchanged vehicle if available and/or requesting payment from you to cover any negative equity.
5. We will retain the reimbursement until we have received the vehicle and all documentation back in good order.
6. You are responsible for promptly returning the vehicle, no later than 7 days from the day on which you communicate your cancellation of this contract to us.

You will bear the direct cost of returning the vehicle and are entirely responsible for the safe return of the vehicle.

17. As a Consumer, You have legal rights in relation to a Vehicle that is not of satisfactory quality, fit for purpose or not as described. These legal rights are not affected by anything else in these Terms. Advice about Your legal rights is available from Your local Citizens' Advice Bureau (Tel 0808 223 1133 or on their website https://www.citizensadvice.org.uk/consumer).

If You wish to exercise Your legal rights You should contact Us in the ways set out in clause 18 and, where requested by Us, must return the Vehicle to Us at the store which You collected it from at Your own cost.

Within the first 30 days, if a serious fault is found, you have the option to reject the vehicle and decline a repair by us. This is your right under The Consumer Rights Act 2015. Conditions and charges will be applied as follows:

1. The vehicle must be returned in the same condition as when it left our premises.
2. Alloy wheel refurbishment: £100 each, valeting: £150, paint damage assessed on a case-by-case basis.
3. If over 1,500 miles have been covered, the charge will be £1.50 per mile.
4. We will be given 24 hours to inspect the vehicle at our premises before confirming acceptance of the return and detailing the charges.
5. Any amounts owed to us will be deducted from the refund.
6. Monies will be returned using the same method as the initial payment within five working days (cash cannot be returned; a bank transfer will be arranged).
7. Road tax cannot be refunded by us; you will need to contact DVLA.

18. If You need to contact Us for any reason, including making a complaint then You should do so either in person at the store, via telephone on calling 020 8364 1655 or by email to [email protected]. In order to serve notice to Us that You wish to invoke Your rights to return Your Goods, make a complaint or any other formal correspondence then this needs to be confirmed in writing and sent via post for the attention of the Brand Experience Manager at the address shown on Your invoice or alternatively via email to [email protected].

19. In Your complaint please make it clear the nature of Your complaint, the registration of Your vehicle (if relevant) and Your contact details.

Our Customer Service team will try to resolve Your concerns as soon as possible, usually within 5 working days to explain what We are doing and when You can expect a resolution.

Within 8 weeks We will call or write to You either with a final response advising You of our findings, or an update on our investigations and confirmation of when We expect to be able to provide a final response, if appropriate.

In certain circumstances, if You are unhappy with Our final response or We do not issue You with a final response in writing within 8 weeks of You contacting Us with Your concerns, You may be able to refer Your complaint to the Financial Ombudsman Service or an Alternative Dispute Resolution service. Details of Your rights will be provided to You as appropriate in Your case. If You wish to refer Your complaint to the Financial Ombudsman Service, this must be done within 6 months of Our final response letter.

Financial Ombudsman Service

Exchange Tower

London

E14 9SR Telephone: 0300 123 9123

Email: [email protected]

In Our final response letter We will indicate whether in Our view Your complaint may be suitable for consideration by an Alternative Dispute Resolution Service. For the avoidance of doubt We do not undertake to take any part in any Alternative Dispute Resolution process and will notify You on a case-by-case basis of our agreement or otherwise to take part in any Alternative Dispute Resolution process.

21. Whilst We try to ensure that all the prices on the Cargem website and other websites We may use as marketing channels are accurate, errors may occur. If We discover an error in the price of the goods You have ordered We will inform You as soon as reasonably possible. You will then be given the option of re-confirming Your order at the correct price or cancelling Your order with a full refund of any deposit made. If We are unable to contact You using the contact details You provided during the order process, We will treat the order as cancelled and notify You by email. If You decide to cancel Your order after We have informed You of a pricing error and You have already paid for the Goods, We will give You a full refund as soon as reasonably possible (and in any event within thirty (30) days of cancellation).

22. If the retail price of the Goods are affected by any change in taxes or duties imposed by HMRC (for example changes in the rate of value added tax) You will then be given the option of re-confirming Your order at the revised price or cancelling Your order with a full refund of any deposit made.

23. We have made every effort to ensure the accuracy of the information contained in the website and other media however;

Manufacturers are constantly seeking ways to improve the specification, design and production of their vehicles and alterations take place continually. Whilst every effort is made by Us to produce up to date product descriptions and specifications, the website and other media should not be regarded as an infallible guide to vehicle products and services, nor does it constitute an offer for the sale of any particular vehicle. Cargem are not agents of any manufacturer and have absolutely no authority to bind the manufacturers by any express or implied undertaking or representation. Any references to speed or performance should not be taken as an encouragement to drive either dangerously or at speeds in excess of national limits.

All fuel economy figures stated are test figures supplied by our data provider. They have been calculated using official test cycles under test conditions. Under normal use the vehicles actual fuel consumption figures may differ from those achieved through the test procedures, depending on driving technique, road and traffic conditions, environmental factors, and vehicle condition.

We make all reasonable efforts to check the provenance and history of any vehicle We retail to You, including relying on third party vehicle check data. Where an anomaly is detected by You following the sale of a vehicle to You then We require that You inform Us without delay along with any evidence of this anomaly so that We may investigate and provide You with a remedy under Your legal rights and in addition may include reasonable requests for You to co-operate with Us to reclaim from the vehicle supplier any losses We experience.

30 days, 1,500 Mile Cargem Warranty

24. Your warranty covers major mechanical items that have failed. Items that have not failed are not covered.

1. Items that have not failed will be considered on a case-by-case basis. Our decision regarding the contribution we may choose to make will reflect the vehicle's age, mileage, and the price paid. This only applies to vehicles in our workshop. We will not cover or contribute to any work at third-party garages.
2. We cannot commit without inspecting the vehicle ourselves.
3. If your vehicle has been taken to a third-party garage, we require a copy of the diagnostic report. Failure to provide this may void your warranty.
4. If a vehicle is returned to us for warranty work, we aim to diagnose and repair the fault within 72 hours. In some instances, replacement parts may not be readily available and could incur a longer wait time, but we will keep you updated throughout.
5. If work has commenced assuming a warranty claim, and it is later determined to have resulted from driver misuse, driver error, or driver neglect, a contribution will be necessary toward the cost, or the vehicle will be returned to its current state. Photographic evidence will be provided.
6. There is no provision made for a courtesy vehicle whilst Your vehicle is subject to investigation, diagnosis or repair.
7. We are not liable for any recovery costs incurred in returning the vehicle to us.

30 days, 1500 Mile Cargem Warranty exclusions:

8. A part that is covered under a manufacturer or third party warranty.
9. All bodywork, interior/exterior trim, paint, glass (including heating elements) weather strips, rubber seals, , upholstery, carpets, wiper arms/blades, wheels, wheel alignment and balancing, tyres.
10. Brake discs, brake pads, brake linings/shoes
11. Working materials (such as oil) - unless required to be replaced due to the failure of a covered part.
12. Electrical accessories - bulbs, lamps/lenses and fuses.
13. All batteries, inclusive of the key battery.
14. Clutch - where condition or fault is due to the clutch being burnt out or wear and tear.
15. Vehicles used for professional driving instruction.
16. Only the individual(s) and the vehicle stated on the sales invoice will benefit from cover, there is no provision for cover to be assigned, transferred or extended.
17. We are unable to offer assistance on this warranty for customers residing outside the United Kingdom. Furthermore, if Your vehicle is outside of the United Kingdom and requires repair, repairs are not covered.

We will not be liable for any damage arising from intentional misuse, or improper acts, operator neglect or failure by You to maintain the vehicle in a safe and roadworthy condition. Damage sustained in an accident or from using the vehicle in motorsport competition or at a track-day. Damage from mis-fuelling or contaminated fuel or modifications made to the vehicle during Your ownership.

We reserve the right to use reconditioned parts to complete any agreed repair.

25. 25. We do not offer a refund policy. If you wish to return the vehicle (where clauses 16 or 17 do not apply), it will be at our discretion on a case-by-case basis ( 10% restocking fee plus deduction for mileage usage applies).

26. The terms and conditions above do not abrogate or derogate from the rights afforded to You by the Consumer Rights Act 2015, Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, Distance Marketing Regulations 2004, The Consumer Protection (Amendment) Regulations 2014 and all other statutory rights.
27. These terms shall represent the whole contract between You and Us. They may be varied only by written agreement between the parties.
28. The singular shall include the plural and the male shall include the female or business entity as may be appropriate.
29. In the event of any one or more of these terms and conditions being declared unenforceable, the remaining terms and conditions shall nonetheless remain in full force and effect.
30. Save in the case of Consumer sales (as defined) all statements, conditions, or warranties as to the quality of the Goods or their fitness for any purpose whether express or implied by law or otherwise are hereby expressly excluded.

31. Goods supplied by the order of any person in Your employment or by any person reasonably believed by Us to be Your agent or by any person to whom We are entitled to make delivery of the vehicle shall be paid for by You.
32. Where a person who, so far as We are aware, has authority to uplift Goods or vehicles and does so, We shall have no liability to You for any loss or damage resulting on any grounds whatsoever. It shall not be obligatory upon Us to confirm the authority of any person reasonably believed to be the agent, or to have been at some time, connected with You.
33. In connection with the supply of a vehicle or an inspection or testing or the preparation of any estimate in connection therewith, We shall be entitled to drive the vehicle on the road or elsewhere as it shall deem necessary. These provisions shall apply also to any vehicle You offer in part exchange in terms of clause 12.
34. We do not guarantee that use of the website will be uninterrupted or error-free, or that the website and its servers are free of computer viruses or bugs and strongly recommend that all users ensure that they protect their equipment with the use of firewalls and virus checkers.
35. Hiltop Motors Limited T/A Cargem, is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activities. Our Firm Registration Number (FRN) is 665436.

Hiltop Motors Limited T/A Cargem Registered Office: 1 Stansfeld Road, London E6 5LU Registered No: 7055994 VAT Registration No: 982 5973 63.

36. Any dispute regarding this agreement will be governed by English Law and will be subject to the jurisdiction of the Courts of England and Wales.