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Our Terms & Conditions

6.0 Payment for Services, Products, or Items Sold

Payments for Services may be made by person in cash or by cheque, or by debit or credit card using a Zettle Card Payments machine at the time, or by cheque sent by post, or by direct bank transfer, or by debit/credit card via Invoice issued by email, or by debit/credit card over the phone. Full payment for Services must be made within FIFTEEN DAYS of the work being completed.

Payments made by cash or cheque are processed via either a Post Office or Barclays Bank branch.

Payments made by bank transfer are processed via Barclays Bank plc.

Payments made by card machine are processed by Zettle and PayPal.com, and transferred into STMC-Swedos Barclays Bank Account within two working days of the payment being made.

Payments made by card either by clicking a link or “Pay Now” button attached to an STMC-Swedos or by telephone using a secure online portal are processed by our accounting system provided by https://www.bokio.co.uk and Stripe https://www.stripe.com.  Payments made via Stripe are transferred into STMC-Swedos Barclays Bank Account within four working days.

Payment for Products made to order or Items We Sell are accepted by Cheque, Postal Order, or direct bank transfer, or by debit/credit card via Invoice issued by email, and orders are not dispatched until payment has cleared – this may take 5-10 days from receipt of payment. Cash payments made in person to STMC-Swedos or a member of STMC-Swedos Staff at the time of placing an order will only be accepted at the discretion of the Proprietor. Purchases of items or produces we sell on the eBay website can only paid for using Ebay Payment Services, which allows customers to pay by various means including debit/credit cards. All payments are receipted when an order is dispatched.

6.1 Late Payments

We will exercise our statutory right to claim interest (at 8% over the Bank of England base rate) and compensation for debt recovery costs under the Late Payment legislation if we are not paid according to our agreed credit terms.

If You Have Problems Paying

If you have ordered a Service, Product or Item We Sell but are having problems paying please contact Us within 14 days, otherwise administration charges may be applied if more than one reminder communication has to be sent. If you cannot pay, We reserve the right NOT to provide any service or sale to You in future.

6.2 Refunds, Replacements and Cancellations

We expect that you will be entirely satisfied and pleased with the products and services we provide, but we understand that there might occasionally be problems, or indeed disappointments. If you are not happy with something please contact us WITHIN FOURTEEN DAYS of receiving your order or completion of a Service offered.

(The following two paragraph were updated on 24th April 2014 in light of the new European Consumer Rights Directive and Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2014 that became UK Law from 13 June 2014)

If you are not happy with a Service offered we may, at the Proprietor’s discretion, provide full or part refund. If our Products or Items We Sell are not to your satisfaction, and are returned to us unused in their original packaging and in a saleable condition, we will provide a full refund. If You have received items from us that are damaged or faulty please contact us IMMEDIATELY and return them to us WITHIN FOURTEEN DAYS and we will discuss options for replacement (or refund at the Proprietor’s Discretion.)

Please note: You are USUALLY responsible for return postage charges*, which cannot be refunded. We recommend that You obtain PROOF OF POSTING when returning items to Us; We will not issue refunds until the original items are back in Our possession.  *If an item is faulty We will pay refund the amount you paid for return postage within 14 days of receiving the item back in Our possession.  

You also have a “cooling off period” of fourteen days after making a purchase, so if you simply change your mind, ensure you return the item(s) to us within fourteen days to receive a full refund excluding the cost of return postage.

Orders may be cancelled by notifying Us by email or telephone before You receive email or telephone confirmation that your order has been dispatched. The refund/replacement terms above apply after dispatch. If refunds are due  We will pay them either by cheque or by PayPal Refund depending on the original method of payment.

7.0 Contacting Us

You may contact Us by email or telephone (or WhatsApp if you are already a STMC-Swedos Customer and have used WhatsApp for communication previously) if You have any queries or problems. Our contact details are published on the “About Us” page of Our Website, at the bottom of listings on other websites, on promotional leaflets, and on any correspondence. We communicate in English at all times.

8.0 Privacy Policy

Our Privacy Policy is separate from these Terms and Conditions provides details of how We use personal information.

9.0 Business Particulars

Our business is operated by Mr G. C. Hardy, trading as STMC-Swedos from Bere Regis in Dorset, England.  (Full trading details are included on all Invoices and Receipts and other Official Documents.  We no longer publish our Postal Address directly on our Website to prevent fraudulent use.)

We may review these terms and conditions at any time, and revisions will be published on Our Website and distributed by Email and/or post to current clients from time to time.

STMC-Swedos Full Terms & Conditions – V3.0 – 01 MARCH 2022

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