Contact Information Loriano.eu

Office Address (no visiting address or showroom)

Loriano UK LTD
 28 "Mois Levi" Street, floor 3, office 6
9000 Varna
Bulgaria

Phone
📞 +31 165 79 94 65

Phone Hours:
Monday to Friday: 08:00 - 11:30 & 12:30 - 17:00

HelpdeskChat
💬 Available 24/7 via our HelpdeskChat at the bottom right of the website.

Email
📧 Customer Service: support@loriano.eu

Payment Information
💳 IBAN: BG33STSA93000030597176
💳 BIC: STSABGSF

Company Information
🏛 Companies House: 207665517
🧾 VAT Number: BG207665517

Through our online store, privacy-sensitive data, also known as personal data, is processed. Loriano International Ltd considers the careful handling of personal data of great importance. Therefore, personal data is carefully processed and secured by us. In our processing, we adhere to the requirements set by privacy legislation. This means, among other things, that:

• We clearly state the purposes for which we process personal data. We do this through this privacy statement;
• We limit our collection of personal data to only the personal data necessary for legitimate purposes;
• We first ask for your explicit consent to process your personal data in cases where your consent is required;
• We take appropriate security measures to protect your personal data and also require this from parties that process personal data on our behalf;
• We respect your right to access, correct, or delete your personal data upon your request.

Loriano International Ltd is responsible for data processing. In this privacy statement, we explain which personal data we collect and use and for what purpose. We recommend that you read this carefully.

Use of Personal Data

When using our online store, we obtain certain information from you. This can be personal data. We only store and use the personal data provided directly by you, in the context of the service you requested, or which is clearly provided to us for processing.

We use the following data for the purposes mentioned in this privacy statement:

• Name and address details
• Telephone number
• Billing address
• Email address

Registration

You must register for certain parts of our online store. After registration, we store the personal data you provided via the username you chose. We store this data so you do not have to re-enter it each time and to contact you regarding the execution of the agreement.

We will not provide the data linked to your username to third parties unless necessary for the execution of the agreement you enter into with us or if required by law. In case of suspected fraud or misuse of our online store, we can hand over personal data to the competent authorities.

Processing Orders

When you place an order with us, we use your personal data to process it. If necessary for proper processing, we can also provide your personal data to third parties. You can read more about this later in this privacy statement.

Contact Form and Newsletter

Our online store offers the possibility to ask questions via a contact form, where you are asked to fill in various details to handle your question. You choose which data you provide. The data you send us will be kept as long as the nature of the form or the content of your email requires for the complete response and handling thereof.

We offer a newsletter to inform interested parties about our products and/or services. Each newsletter contains a link to unsubscribe. Your email address will only be added to the list of subscribers with your explicit consent.

Location Data

If necessary for the service, we may collect location data (GPS) from you. Your permission will be requested at the time.

These location data can also be stored and processed by the provider of, for example, the navigation/map software, such as Google Maps, but the data can also be used by, for example, Google or Apple themselves. We have no influence on this. We recommend that you read the relevant privacy statements of the respective provider.

Publication

We do not publish your customer data.

Advertisements

Our online store displays advertisements.

Provision to Third Parties

We may pass on your data to our partners. These partners are involved in the execution of the agreement.

Social media buttons are included in our online store. The administrators of these services collect your personal data.

Cookies

Our online store uses cookies. Cookies are also placed via third parties engaged by us.

When you visit our online store for the first time, a notification is displayed in which we explain why we use cookies. Your further use of our online store is interpreted as consent to this use of cookies.

You are free to disable cookies through your browser. However, please note that it is possible that our website will no longer function optimally.

We have made agreements with third parties that place cookies about the use of the cookies and applications. However, we do not have full control over what the providers of these applications do with the cookies when they read them. For more information about these applications and how they handle cookies, please refer to the privacy statements of these parties (please note that these can change regularly).

Google Analytics

We use Google Analytics to keep track of how visitors use our online store. We have entered into a processor agreement with Google to make arrangements for the handling of our data. Furthermore, we have not allowed Google to use the obtained Analytics information for other Google services, and we anonymize the IP addresses.

Security

We take security measures to limit misuse of and unauthorized access to personal data. In particular, we take the following measures:

• Access to personal data is protected with a username and password
• We use secure connections (Secure Sockets Layer or SSL) that shield all information between you and our website when you enter personal data

Retention Periods

The personal data described above is retained as long as necessary to process your orders, including warranty. We then store data for a maximum of one year for the statistical purposes described. The data is then deleted unless there is a legal obligation that requires longer retention (such as the seven-year fiscal retention obligation for payment data).

Third-Party Websites

This privacy statement does not apply to third-party websites that are connected to our online store through links. We cannot guarantee that these third parties handle your personal data in a reliable or secure manner. We recommend that you read the privacy statement of these websites before using them.

Changes to this Privacy Statement

We reserve the right to make changes to this privacy statement. It is recommended to consult this privacy statement regularly so that you are aware of these changes.

Access and Modify Your Data

For questions about our privacy policy or questions regarding access to and changes to (or deletion of) your personal data, you can contact us at any time using the details below.

You can also send us a request to view, modify, or delete these data. You can also submit a request to export data that we use with your consent, or provide a reasoned statement that you want us to restrict the processing of personal data.

To prevent misuse, we may ask you to adequately identify yourself. When it comes to accessing personal data linked to a cookie, you must send a copy of the cookie in question. You can find this in the settings of your browser. If the data is incorrect, you can request that we change or remove the data.

Loriano UK LTD – Terms and Conditions

1. Introduction and Scope

Welcome to Loriano UK LTD’s Terms and Conditions of Sale (“Terms”). These Terms apply to all purchases of products made by consumers on our website www.loriano.co.uk. By placing an order with Loriano UK LTD (“Loriano”, “we” or “us”), you agree to be bound by these Terms. They are intended to form a legal agreement between you (the customer) and us for the sale of goods.

These Terms are written in accordance with UK consumer protection laws, including the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Electronic Commerce (EC Directive) Regulations 2002, and applicable data protection laws (UK GDPR and Data Protection Act 2018). These Terms do not affect your statutory rights under these laws. If any provision of these Terms is found unenforceable, the remainder will continue in effect.

Please read these Terms carefully and ensure you understand them before ordering. If you do not agree with any part of these Terms, you should not place an order. You may wish to print or save a copy of these Terms for future reference. These Terms apply exclusively to sales to consumers (persons not acting for purposes of trade, business or profession). If you are a business customer, different terms may apply – please contact us for assistance. We reserve the right to update or amend these Terms from time to time; however, the Terms in effect at the time of your order will apply to that purchase (we will not change terms for an existing order after you have placed it).

2. Seller Identification

Seller: Loriano UK LTD (company number 16261218), a company registered in England and Wales.
Registered Office Address: 128 City Road, London, EC1V 2NX, United Kingdom.
Email: support@loriano.co.uk
Telephone: 
VAT Number: 

Loriano UK LTD is the supplier of the products offered on this website. In these Terms, references to “Loriano”, “we”, or “us” refer to Loriano UK LTD, and references to “you” or “customer” refer to the individual purchasing as a consumer. You can find our contact details above and on our Contact Us page. As required by the Electronic Commerce Regulations 2002, our contact information is provided clearly to allow you to reach us quickly and directly (via email)​

3. Product Descriptions and Availability

We endeavor to ensure that all product descriptions, specifications, images, and pricing on our website are accurate and up-to-date. Products are described as precisely as possible, and images are provided for illustrative purposes. However, slight variations in color or packaging may occur between the product and its image on your screen. Such minor differences will not affect the functionality or intended use of the product. In the unlikely event that we discover an error in the description, availability, or pricing of a product you have ordered, we will contact you as soon as possible to inform you and to offer an option to reconfirm your order with the correct information or to cancel the order for a full refund.

All products are subject to availability. We cannot guarantee that an item will always be in stock. If a product is out of stock or otherwise unavailable, we will not process your order for that item. If you have already placed an order and the item becomes unavailable (for example, due to a stock error or simultaneous orders), we will inform you promptly. In such case, you may choose to wait for restock (if applicable) or cancel your order. If we cannot supply a product, or if you decide to cancel due to unavailability, any payment you have made for that product will be refunded in full as soon as possible. We are not liable for losses or inconvenience caused by our inability to supply a product where we have informed you and provided a refund.

4. Ordering Process and Contract Formation

When you place an order on our website, you are undertaking a series of steps to enter into a purchase contract with us. To make this process clear, we outline it as follows:

1. Placing Your Order: Browse our products, add your chosen items to your online shopping cart, and proceed to checkout. During checkout, you will be asked to provide certain information (such as your name, billing/shipping address, and payment details) and to confirm your acceptance of these Terms. Before finalizing your order, you will have the opportunity to review your order summary and correct any errors (such as removing or adding products, updating quantities, or fixing address details). By clicking the “Place Order” or equivalent final submission button, you are submitting an order to purchase the items in your cart. This constitutes a legal offer from you to buy the goods in accordance with these Terms.
2. Order Acknowledgement: Once you place your order, we will acknowledge receipt of it by sending you an order confirmation email. This email will detail the products you ordered, the total price, billing and delivery information, and an order number. Please note that this acknowledgement email is not an acceptance of your order, but simply a confirmation that we have received it.
3. Order Acceptance: A binding contract of sale is formed only when we explicitly accept your order. Order acceptance will occur when we send you an email confirming that the product has been dispatched (shipping confirmation) or a separate email of acceptance. We reserve the right to accept or decline any order. If we accept your order, we will send a dispatch/acceptance confirmation email and at this point a contract comes into existence between you and us​

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. The contract pertains only to the product(s) explicitly listed as dispatched or accepted in that email. We will not charge your payment method until we have accepted your order (see Payment Terms below). If for any reason we are unable to fulfill part or all of your order (e.g., an item is out of stock or there is a pricing error), no contract is formed for those unfulfilled items and we will inform you of this via email or phone. In such case, you will not be charged for the unavailable items, or if payment has already been processed, we will arrange a refund.

4. Order Rejection or Cancellation by Us: We may refuse an order or cancel an order (in full or in part) before it is accepted if, for example, the product is unavailable, we identify a significant pricing or description error, we are unable to obtain authorization for your payment, or we suspect the order may be fraudulent. If we refuse or cancel your order, we will notify you as soon as reasonably possible. If payment was taken, we will refund you the full amount for the affected items. We will not be liable to you or any third party for refusing or cancelling any order prior to acceptance, or for withdrawing any product from our website whether or not that product has been sold.

After your order is accepted and dispatched, we will provide you with an electronic receipt or include a paper invoice with your shipment. We recommend that you keep the order confirmation, dispatch email, and invoice for your records, as these may be needed for any future inquiries or warranty claims.

5. Prices, Delivery Charges and VAT

• Prices: All product prices on our website are listed in Pounds Sterling (GBP). Prices include any applicable taxes, including UK Value Added Tax (VAT), unless otherwise stated. (Currently, Loriano UK LTD is not VAT-registered, so no VAT is added to our prices; if this changes in the future, we will update our pricing accordingly.) The price of a product is the price indicated on the website at the time of your order. We take all reasonable care to ensure that the prices of products are correct at the time of listing. However, if we discover an error in the price of any product you have ordered (e.g., a mispricing that is obvious and unmistakable), we will inform you as soon as possible and give you the option to reconfirm your order at the correct price or cancel it. We are under no obligation to accept or fulfill an order for a product that was advertised at an incorrect price, and we will not charge you (or will refund you) for any orders cancelled due to pricing errors.
• Delivery Charges: Delivery or shipping charges (if any) are not included in the product price and will be added at checkout. Any applicable delivery fees will be clearly shown before you place your order, and will vary depending on factors such as the delivery method, destination, and order value. We will indicate the available delivery options (standard shipping, express, etc.) and their costs during the checkout process. You consent to paying any such delivery charges in addition to the product price. We do not add any hidden surcharges – all charges will be transparently communicated. If delivery charges vary by geographic location or have restrictions, these will be made clear prior to purchase (for example, if certain remote areas require an extra fee)​

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• Currency: All payments must be made in GBP. If you are using an international payment method, your bank or card provider may charge currency conversion fees or use an exchange rate at their discretion (for which we are not responsible). The final charge in your local currency (if not GBP) is outside our control.
• VAT and Sales Tax: As noted above, our prices include VAT where applicable. Since our company is newly established and does not yet have a VAT number, currently no VAT is charged on purchases (prices remain the same with or without VAT until we register). If we become VAT-registered in the future, we will update our website to display prices inclusive of VAT and provide our VAT registration number to customers. For orders delivered outside of the UK (if we offer such service in the future), you might be subject to import duties or taxes applied by your country’s customs. We do not control these charges and they are your responsibility. We advise you to check with your local customs office about any import taxes or requirements if you order products for delivery outside the UK.
• Price Changes: We reserve the right to change the prices of our products at any time. However, such changes will not affect orders that have already been placed and accepted. Once you have received an order confirmation, the price for that order is fixed. Promotional prices or discounts are subject to their own terms and limited time frames; once a promotion period ends, products will revert to their normal price.

6. Payment Terms

• Accepted Payment Methods: We accept various payment methods for online purchases, including major credit cards and debit cards (e.g., Visa, MasterCard, American Express) and other methods as indicated on our website (such as PayPal or other electronic payment services, if available). All payments are processed through secure payment gateways. We do not accept cash on delivery or cheques for online orders. By providing your payment information at checkout, you confirm that you are an authorized user of the chosen payment method and that the billing information provided is accurate.
• Payment Timing: We will not charge your credit or debit card until your order is ready to be dispatched and we have accepted your order. In many cases, when you place an order, your bank or card issuer will authorize the payment amount, which may appear as a pending charge. However, the actual charge (capture of funds) will occur only at the point we accept and ship your order​

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. If for any reason we cannot accept or fulfill your order (see Ordering Process above), we will ensure that no charge is made to your card, or if a payment was already captured (e.g., via instant payment methods), we will refund you in full without undue delay.

• Payment Security: We use industry-standard encryption and security measures to protect your payment data. All credit/debit card transactions on our site are processed using secure processors compliant with PCI-DSS (Payment Card Industry Data Security Standards). Loriano UK LTD does not store your full card details on our own systems; any card information is handled by our payment service providers. While we implement these security measures, it is also your responsibility to ensure that your device is secure and to not share your payment details with unauthorized parties.
• Failure to Pay: The total amount of your order (including product prices, delivery charges, and any applicable taxes) must be paid in full before we dispatch the goods. If your payment is refused or not authorized for any reason, we will not be liable for any delay or non-delivery of your order. We will attempt to contact you if your payment method is declined to see if you can provide an alternative payment. If payment is not completed, your order will be cancelled. You are responsible for any fees charged by your bank or payment provider related to processing of your payment.
• Retention of Title: All products remain the property of Loriano UK LTD until full payment has been received and cleared. We reserve the right to reclaim or refuse to deliver products if payment is not received in full. Once payment is received and the goods are delivered, ownership passes to you (see Delivery and Risk below for risk transfer details).

7. Delivery and Risk Transfer

• Delivery Territory: We currently deliver to addresses within the United Kingdom. Unfortunately, we do not offer international shipping at this time (unless explicitly stated on our website for specific products or regions). Any delivery restrictions (such as excluding certain remote areas or postcodes) will be indicated on our website or notified to you before you place an order​

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. If you are unsure whether we deliver to your location, please contact us at support@loriano.co.uk for clarification.

• Delivery Times: We will arrange delivery of the goods to the address you provide. During the order process, we will provide you with an estimated dispatch and/or delivery timeframe for your order. We aim to dispatch in-stock items within the timeline indicated (e.g., typically within 1-2 business days), and to deliver within any stated estimated delivery period. If no specific timeframe is provided, we will deliver the goods no later than 30 calendar days from the date of order acceptance, in accordance with the Consumer Contracts Regulations. Please note that all delivery times are estimates – while we strive to meet them, we do not guarantee delivery on any specific date. If delivery is delayed for reasons beyond our control (for example, courier delays, supply chain issues, or other unforeseen events), we will inform you as soon as possible and take steps to minimize the delay. Provided we do this, we will not be liable for delays caused by the event. If there is a significant delay, you may contact us to cancel your order and receive a refund for any items you have paid for but not received.
• Delivery Method: We use reputable third-party courier and postal services for deliveries (such as Royal Mail, DPD, UPS, etc., depending on the size and destination of the parcel). The delivery method and provider may vary based on your location and the nature of the product. Deliveries are generally made on business days (Monday–Friday, excluding public holidays) during normal working hours. In some cases, weekend delivery or specific timed delivery may be available for an additional charge, as shown at checkout. It is your responsibility to ensure that someone is available at the delivery address to receive and sign for the package if required. If no one is available, our courier may leave a card with instructions for re-delivery or collection from a local depot, or may attempt to leave the package in a safe place or with a neighbor (depending on any instructions you provided and at the courier’s discretion). Ownership of the goods will pass to you once we have received full payment and the goods have been delivered to you.
• Risk Transfer: We bear the risk of loss or damage to the goods until they are delivered to you (or to a person identified by you to take possession on your behalf)​

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. In other words, the products are our responsibility while in transit and we will insure or otherwise cover any potential loss or damage during shipping. Delivery is deemed complete when the goods are delivered to the address you provided (or picked up by you from a carrier or collection point) and you (or your designated recipient) have taken physical possession of them. Once delivery is completed, the goods are at your risk and you will be responsible for them. Please take care of the products upon delivery, as we cannot be held responsible for any loss, theft, or damage to the products after they have been delivered.

• Your Own Carrier: If you request to arrange delivery by your own carrier or to collect the goods yourself, risk will transfer to you once the goods are handed over to your carrier or collected by you. If you do choose to use your own delivery method, you will need to coordinate pickup and transport, and we will consider delivery to have occurred (and risk passed to you) at the time of handover to your carrier.
• Partial Deliveries: If your order contains multiple products, we may ship the products separately (for example, if some items are ready before others, or if they ship from different warehouses). We will not charge extra delivery fees for split shipments beyond what you agreed at checkout. Each separate shipment may have its own dispatch email confirmation. If items are delivered on different dates, your right to cancel (cooling-off period) for each item may be calculated from the delivery date of the last item received (see Right to Cancel below). We will inform you if we split your order into multiple deliveries. If for any reason a portion of your order cannot be delivered (e.g., an item is unavailable), we will contact you and handle it as described in the Ordering Process section (no charge or refund for undelivered items).
• Failed Delivery and Return to Sender: If a package is returned to us because of an incorrect address provided by you, or because it was not collected by you in time from a collection point, we will contact you for further instructions. We may charge you for re-delivery costs if the mistake was not ours. If we are unable to contact you or arrange re-delivery, we may treat the contract as cancelled and refund you the price of the goods, minus any reasonable costs for the failed delivery and return (as permitted by law).

8. Right to Cancel (Withdrawal) and Returns

If you purchase goods from our website, you have a legal right to cancel your order (also known as the “cooling-off” period) under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. This right applies because you are buying goods online (at a distance) as a consumer. The key terms of this cancellation right are as follows:

• Cancellation Period: You may cancel your order within 14 days without giving any reason​

This 14-day cancellation period starts the day after you (or someone you nominate) receives the goods. For example, if your order is delivered on the 1st of the month, you have until the end of the day on the 15th of that month to exercise your right to cancel. If your order consists of multiple goods delivered on different days, the cancellation period for the entire order ends 14 days after the day you receive the last item of your order. If your order is for regular delivery of goods over a period (e.g., a subscription), you have 14 days from the day after the first delivery. To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the 14-day period has expired.

• No Reason Needed: You do not need to give us any reason for cancelling your purchase within this period. It is your unconditional right. We appreciate any feedback on why you wish to cancel (as it may help us improve), but it is not required to provide a reason.
• How to Exercise Your Right: To exercise the right to cancel, you must inform us of your decision to cancel the contract by a clear statement. The easiest way is to contact us via email at support@loriano.co.uk, expressly stating that you wish to cancel your order. You may simply write an email with your order number and a statement like “I hereby cancel my order.” Alternatively, you can mail us a letter at our postal address (see Seller Identification above) with the same information. You may (if you wish) use the Model Withdrawal Form provided at the end of these Terms by printing it, filling it out, and sending it to us by email or post​

• Returns of Goods: If you have already received the goods (or they are on the way) when you decide to cancel, you are responsible for returning them to us. After contacting us to cancel, please do so promptly. You must send back the goods no later than 14 days from the date you informed us of cancellation. We will provide instructions on how and where to return your products. Typically, returns are processed via our UK returns drop-off point. You can find our Returns & Cancellations instructions on our website at https://www.loriano.co.uk/customer-service/returns-cancellations (or we will provide you the return address by email). Please do not send returns to our registered office unless we specify otherwise; our returns facility address may differ. The products should be well packaged to avoid damage in transit, and we recommend using an insured and trackable shipping method for your protection. (For convenience, you may also contact our customer service to arrange a return label or courier pickup; if we offer this service, the cost may be deducted from your refund, but we will let you know in advance.)
• Exclusions (Goods not eligible for cancellation): The law provides certain exceptions where the 14-day cancellation right does not apply. Examples include: sealed goods which were unsealed after delivery and are not suitable for return for health or hygiene reasons, goods that are made to the consumer’s specifications or clearly personalized, perishable goods (like food or flowers), audio/video recordings or software if the seal is broken, etc. However, Loriano UK LTD does not sell any goods that fall under these excluded categories at this time. We do not offer perishable items, custom-made products, or hygiene-sensitive items that would be exempt from cancellation. Therefore, in general, all products you purchase from us online are eligible for the 14-day cancellation right. If this ever changes (for instance, if we begin offering a custom personalization service or a type of product that is exempt), we will clearly inform you of the no-cancellation exception for that product before you purchase, in accordance with the law.
• Condition of Returned Goods: You may inspect and handle the goods to the extent necessary to establish their nature, characteristics, and functioning (similarly to how you would examine items in a physical store). However, you have a duty to take reasonable care of the goods while they are in your possession. If possible, please keep the goods in their original packaging and do not use them beyond what is necessary to inspect them. If you handle the goods more than is necessary and this results in diminished value of the goods (for example, using a device extensively, causing wear or damage, or breaking seals on non-returnable items like hygiene seals), we may deduct an amount from your refund to reflect any reduced value of the goods​

(For instance, if you return an item that has clearly been used or damaged, we could reduce the refund accordingly, up to the full price if the item is unsaleable.) We will inform you if any such deduction is to be made. To avoid deductions, kindly ensure the item is only handled as would be allowed in a shop and that it’s returned with all components/accessories and any original packaging if possible.

• Proof of Cancellation: We recommend that you keep proof of your cancellation notice (e.g., a sent email or a postal receipt) and proof of postage for any returned items. This is in case there is any dispute about whether or when you exercised your right and returned the goods.

In summary, under the above rules you can cancel your online purchase within 14 days of delivery for a refund, provided you inform us in time and return the goods. For detailed guidance on your cancellation rights, you may refer to the Consumer Contracts Regulations 2013 or consult the information provided by the UK Consumer Rights organizations. If you have any questions about cancelling your order, please contact our customer service at support@loriano.co.uk.

9. Effects of Cancellation

If you cancel a contract under the 14-day cancellation policy described above, we will handle the returns and refunds as follows:

• Return Shipping Costs: You are responsible for the direct cost of returning the goods to us​

We do not provide free returns for change-of-mind cancellations. You will need to pay the postage or courier costs to send the item back. If the item cannot normally be returned by post (for example, it’s bulky or heavy), we will estimate the cost of returning it (based on a typical courier fee) and inform you. For most small or standard-sized items, return shipping can be done via Royal Mail or a courier of your choice at local parcel rates. We do not currently offer a pre-paid return service, so please arrange shipment at your expense. (If the return is due to our error or a faulty product, we will bear the return cost or arrange a free return – see Faulty Goods section below.)

• Condition of Return: As noted, you should send the item back in appropriate packaging. If possible, include any product packaging, manuals, and accessories, and pack the goods securely. You must send the goods within 14 days of the date you notified us of cancellation. We advise using a trackable shipping method and purchasing insurance, especially for higher-value items, because you bear the risk of the goods until we receive them. If the item is lost or damaged during return transit and you arranged the return, you may need to claim with your postal service or carrier. (If we provided a return service at your cost, we will handle the carrier, but typically it’s the customer’s responsibility to ensure safe return.)
• Refund of Your Payment: If you cancel the contract in accordance with the rules, we will refund all payments we have received from you for the cancelled order, including the original delivery charge you paid (if any)​

. However, if you selected an expedited or premium delivery option at checkout (e.g., next-day delivery) that was more expensive than our least expensive standard delivery, we will only refund an amount equal to the cost of the standard delivery option – in line with your rights, we are not obliged to refund the extra cost of a deluxe shipping service when you cancel​

. (For example, if standard delivery was free but you paid £10 for express delivery, we will refund the item price and would not refund the £10 premium, since free delivery was available.)

• Deduction for Diminished Value: If you have handled the goods beyond what is necessary to inspect them (as explained in the Right to Cancel section) and the value of the goods is diminished as a result, we may deduct an appropriate amount from the refund to cover that loss in value​

. We will notify you if this situation arises and provide details of any deduction. For instance, if you return an electronic item that has been used heavily and comes back scratched without packaging, we might deduct a certain percentage to reflect resale value loss. If the item is returned in new or resaleable condition, you will receive the full refund (assuming no other issues).

• Timing of Refund: We will make the refund without undue delay, and not later than:
• 14 days after the day we receive back the returned goods, or
• (if earlier) 14 days after the day you provide evidence that you have sent the goods back to us, or
• if no goods were supplied (e.g., you cancelled before shipment), 14 days after the day on which you informed us of your decision to cancel.

This means we typically wait to receive the product back (or at least proof of shipment) before issuing a refund. Once we have the item or proof of return shipment, we will process your refund promptly. The refund will be issued to the same payment method that you used for the initial purchase, unless we have expressly agreed otherwise. You will not incur any fees from us for the processing of the refund. We will send you a confirmation email once the refund has been processed. Please note that your bank or card issuer may take a few additional days to credit the refund to your account.

• Retention of Refund: Legally, we may withhold the refund until we have received the goods back or you have supplied evidence of having sent back the goods (whichever is earliest). If you have not returned the goods within a reasonable timeframe and that delay is not agreed with us, we might assume you decided to keep the goods and your cancellation may be deemed withdrawn (this would be an exceptional scenario and we would attempt to contact you first).
• Record of Cancellation: We will record and honor your cancellation request. Cancelling an order under this policy terminates the contract of sale for those goods. You are then released from any further obligations to pay (if you haven’t paid, you will not have to; if you have paid, you get a refund) and we are released from the obligation to deliver (if not delivered yet) or other contract obligations. However, you must still fulfill the obligation to return the goods and take reasonable care of them before return, as described.

Once we have processed your returned item and issued a refund, the contract between us with respect to that item is considered cancelled. If you had ordered multiple items and only cancelled some of them, the contract remains in force for any items not cancelled.

We hope this explanation of the effects of cancellation provides clarity. For further information on how to return items or to get assistance with a cancellation, you can visit our returns page or contact our customer support.

10. Faulty or Non-Conforming Goods (Consumer Rights Act 2015)

As a consumer, you have legal rights under the Consumer Rights Act 2015 (and other related legislation) in relation to goods that are faulty, not as described, or not fit for purpose. Nothing in these Terms will affect or limit those statutory rights. We want you to be confident that any product you buy from us will be of satisfactory quality and as described. We are under a legal duty to supply goods that conform to the contract​

. In plain terms, this means the products we sell to you must correspond to their description, be of satisfactory quality, and be fit for any purpose we have specified or you have told us about (and we have agreed to).

If you receive a product that is faulty or misdescribed or otherwise does not meet the requirements of the contract, you are entitled to certain remedies under the law. The following is a summary of your key rights if something is wrong with your product:

• Short-term right to reject (30 days): If a product is faulty (for example, it has a manufacturing defect or it is not as advertised) or not of satisfactory quality, you have 30 days from the date of delivery to reject the product and obtain a full refund​

. This right is conditional on the fault having been present when the goods were delivered, but by law any fault that becomes apparent within the first 30 days is assumed to have been there at delivery unless we prove otherwise. To exercise this right, you should stop using the product and inform us of the issue as soon as possible (within the 30-day window). We may ask for details or evidence of the fault (such as photos or a description). You will then need to return the product to us (at our expense, see below) and once we verify the fault, we will process your refund. (If the item is large or not easily returnable, we will work out a solution, such as collecting it at our cost.)

• Repair or replacement (up to 6 months or more): If 30 days have passed, or if you prefer to keep the product, you are entitled to ask for a repair or a replacement. We can choose whether to repair or replace the item in the first instance, but it will be done free of charge to you, within a reasonable time, and without significant inconvenience. If the first attempt at repair or replacement does not resolve the issue, or if repair/replacement is impossible or disproportionate, you may then be entitled to a refund or a price reduction as described below. During the first six months from delivery, any fault is presumed to have been present at the time of delivery (unless we can show otherwise), meaning it’s not on you to prove the product was faulty when delivered​

. After six months, this presumption may not apply, and we might ask for evidence that the problem was due to an inherent defect (e.g., a manufacturing issue) rather than misuse or normal wear and tear.

• Final right to reject or price reduction: If a repair or replacement cannot fix the problem, or if you’ve waited an unreasonable time for a remedy, you have the right to reject the goods for a refund or keep the goods and claim a price reduction. If you choose to reject after repair/replacement attempts, note that if you are beyond the initial 30-day short-term period, we may deduct a reasonable amount to account for the use you’ve had of the product up until that point (this is sometimes called usage deduction). If you prefer to keep the product despite the issue, you can request an appropriate reduction in the price, which would be refunded to you.
• Summary of timeline: In summary, within 30 days you can get a refund for a faulty product​

; after 30 days (and up to 6 months or more) you’re typically entitled to a repair or replacement, or if that fails, a refund. These rights exist up to a maximum of 6 years from purchase (5 years in Scotland), corresponding to the legal limitation period for contract claims – however, practically speaking, the expectation of product durability will depend on the type of product.

• No effect on cancellation right: Importantly, if goods are faulty or not as described, the 14-day change-of-mind cancellation period does not limit your rights​

. In fact, you can choose to use your consumer rights for faulty goods instead of (or in addition to) any returns policy. For example, if a fault is discovered after 14 days, you are still entitled to the above remedies. Even within the first 14 days, you might prefer a repair/replacement if you actually want the product but just need a working one, rather than cancelling the entire order.

If you believe you have received a defective or not-as-described item, please contact us as soon as possible at support@loriano.co.uk (or via any other contact method provided) to report the issue. We will guide you through the returns or repair process. In most cases, we will provide a prepaid return label or arrange a collection at our cost for faulty or not-as-described products, since in such cases return shipping is on us. We may ask you to provide a description of the problem and/or photos to assist with troubleshooting and to determine the best solution. Our customer service team will work with you to resolve the matter promptly in line with your legal rights.

All of the remedies under the Consumer Rights Act 2015 will be available to you. We will not give you the run-around: your legal rights are guaranteed, and any applicable manufacturer’s warranty or our own return policy operate in addition to these rights, not instead of them​

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. For example, some products might come with a manufacturer’s warranty that offers free repair for 1 year, etc. If a product develops a fault, you can choose to claim under the manufacturer’s warranty (if applicable) or to exercise your statutory rights with us (or both). Loriano UK LTD provides warranty handling assistance, meaning that if a product is covered by a manufacturer’s warranty, we can help liaise with the manufacturer or facilitate the repair/replacement under that warranty on your behalf. This is an additional service we offer to make things easier for you, but it does not limit your ability to claim a remedy directly from us under the Consumer Rights Act.

In the event of a dispute or uncertainty about whether goods are faulty or the cause of the fault, we will abide by relevant guidance and, if necessary, independent assessment. Our aim is to resolve any such issues fairly and quickly. If an item is confirmed to be faulty or not as advertised, we will bear all reasonable return shipping costs and will refund you or replace/repair the item as appropriate.

Summary: We warrant that the goods we supply to you are as described, of satisfactory quality, and fit for purpose. In the unlikely scenario that we supply goods which do not meet this standard, you are entitled to the remedies outlined above. Please notify us of any issues as soon as you can. Nothing in these Terms reduces or removes the rights that the law grants to you for faulty or misdescribed goods; those rights always apply, even if not specifically detailed here. For more information on your consumer rights, you can consult resources like the UK government’s Consumer Rights summaries or contact your local Citizens Advice Bureau.

11. Liability

This section explains our liability to you under the contract and any limits to that liability. We urge you to read this carefully to understand the extent of our responsibilities.

• Liability for Personal Injury and Property Damage: We do not exclude or limit our liability where it would be unlawful to do so. This means that if we (or our employees, agents, or subcontractors) negligently cause death or personal injury, we are fully liable. Likewise, in the event of fraud or fraudulent misrepresentation on our part, we will be fully liable. We also remain responsible for any breach of your consumer rights in relation to the products (for example, if we supply a dangerously defective product that causes damage). Your statutory rights under the Consumer Rights Act 2015 and other consumer protection laws are not limited by these Terms, and any attempt to exclude liability for those rights would be ineffective.
• Quality of Goods: We assure you that products bought from us will be of satisfactory quality and fit for their intended purpose. If we breach that assurance (for example, by providing faulty goods), you have rights and remedies as described in the Faulty Goods section above. We accept liability for direct losses you suffer that are a foreseeable result of us breaking this contract or failing to use reasonable care and skill. “Foreseeable” means either it is obvious that it will happen or, if at the time the contract was made, both we and you knew it might happen (for instance, if you discussed it with us). We will not be liable for any loss or damage that was not foreseeable to both parties at the time of contract.
• Exclusion of Indirect or Consequential Loss: To the extent permitted by law, Loriano UK LTD is not liable for indirect losses or consequential damages which happen as a side effect of the main loss or damage. This includes, for example, loss of income or revenue, loss of business, loss of anticipated savings, or loss of opportunity. We sell products for domestic and private use only. If you use the products for any commercial, business or re-sale purpose without our agreement, we will not be liable for your business losses. In particular, we do not accept liability for any loss of profit, loss of business, business interruption, or loss of business opportunity arising from a purchase under these consumer Terms, as we did not intend to enter a business-to-business contract with you.
• Limit on Liability Amount: Except for the categories of liability we cannot limit (as described above), if we are found liable for any loss or damage under these Terms, our liability to you is limited to the total value of your order (the price you paid for the products and any applicable delivery charges). We will not be responsible for losses that exceed this amount, given that products are not priced with a view to assuming unlimited risk. This limitation is subject to and does not affect the rights you have under law (which may entitle you to recover further amounts in some cases, such as if a defective product causes personal injury or damage to property – in which case those specific losses can be claimed).
• Events Outside Our Control (Force Majeure): We are not liable for any failure to perform, or delay in performing, any of our obligations under these Terms that is caused by events outside our reasonable control. Such events may include, for example, acts of God, natural disasters, wars, acts of terrorism, labor disputes, epidemics/pandemics, power failures, or interruptions in transportation or communications networks. If such an event occurs that affects our ability to deliver your products on time or perform any other obligation, we will contact you as soon as possible to let you know and will take reasonable steps to minimize the impact. Provided we do this, we will not be liable for delays caused by the event. If the event continues for an extended period (say, more than 30 days), you or we may have the right to cancel the contract by written notice, and if you have already paid, you will be entitled to a refund for any goods not provided.
• Website and Technical Issues: While these Terms primarily govern the sale of goods, to the extent that you experience any issues using our website (such as the website being unavailable or an order failing to process due to technical issues), we will not be liable for losses resulting from such technical problems beyond our control. We cannot guarantee that our website will be available at all times or free from errors (though we strive to maintain uptime and accuracy). We will not be responsible for any loss of content or materials uploaded or transmitted through the website. Always ensure you have backup copies of any communications or documents (like saving order confirmations).
• Your Legal Remedies: This Liability section does not affect any remedies you have at law. If we fail to comply with these Terms, you have the right to require performance and seek appropriate remedies, which might include repair, replacement, price reduction, or refund (as elaborated earlier) or damages for losses you have suffered. You also have the right to cancel the contract in certain cases of serious breach by us.

In summary, our liability to you is limited as permitted by law. We will compensate you for any direct and foreseeable loss or damage you suffer that is caused by our breach of contract or negligence, up to the value of your purchase (except in cases of personal injury or other non-excludable loss where we accept full liability). We are not responsible for losses that are not our fault or were not foreseeable, and we do not cover business-related losses for consumer sales.

12. Personal Data Protection (UK GDPR Compliance)

Loriano UK LTD is committed to protecting your personal data and respecting your privacy. We collect, process, and store personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. By making a purchase, you acknowledge that certain personal data will be processed by us in order to fulfill your order and provide our services. Below is a summary of how we handle your data:

• Data Collected: In order to sell and deliver products to you, we collect personal information such as your name, billing and delivery address, email address, phone number (if provided), payment details, and order history. We may also maintain records of your communications with us (e.g., emails to customer support) and your preferences (e.g., if you subscribe to any newsletter or opt-in to marketing).
• Use of Data: We will use your personal data primarily to process your order and fulfill the contract between us (Article 6(1)(b) UK GDPR – performance of a contract). This includes using the data to take payment, deliver the products, and communicate with you about your order (e.g., order confirmations, shipping notifications). We may also use your data for our legitimate interests, such as improving our services, preventing fraud, or (if you have provided consent) sending you marketing communications about our products. We will not send you marketing emails unless you have opted in, and you can opt out at any time.
• Data Sharing: We value your privacy. We do not sell your personal data to third parties for their marketing. We do share your data with certain third parties who are involved in fulfilling your order, for example:
• Courier/Delivery Companies: We provide your name, address, and contact phone/email to our delivery partners so they can deliver your package and update you on delivery status.
• Payment Processors: Your payment details (e.g., card number) are processed securely by our payment gateway providers. These third parties handle your payment information in compliance with data security standards, and we do not see or store your full card details.
• IT and Service Providers: We may use cloud storage, website hosting, analytics, or email service providers that might process your data on our behalf (only to the extent needed to provide the service, and under strict confidentiality and security measures).
• Legal or Regulatory Disclosure: In rare cases, we may need to disclose personal data to comply with a legal obligation, court order, or government request, or to enforce our terms or protect our rights (for example, sharing information with law enforcement to investigate fraud).
• Data Security: We implement appropriate technical and organizational measures to secure your personal data against unauthorized access, alteration, disclosure, or destruction. For instance, our website uses HTTPS encryption for secure data transmission. Payment transactions are encrypted and processed by reputable third-party providers. We restrict access to personal data to employees and service providers on a need-to-know basis and ensure they are subject to confidentiality obligations.
• Data Retention: We will retain your personal information for as long as necessary to fulfill the purposes we collected it for, including any legal, accounting, or reporting requirements. For example, we keep your order details for a certain number of years to comply with tax and accounting laws (typically 6 years for UK tax records). We may keep correspondence or support information for a reasonable period in case of queries or disputes. When personal data is no longer needed, we will securely delete or anonymize it.
• Your Rights: Under data protection law, you have several rights regarding your personal data. These include:
• Right of Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct any inaccurate or incomplete data.
• Right to Erasure: You can, in certain circumstances, request that we delete your personal data (“right to be forgotten”). For example, if the data is no longer necessary for the purposes it was collected, and we have no legal obligation to keep it, we will delete it upon request.
• Right to Restrict Processing: You can ask us to suspend processing of your data in certain scenarios (e.g., if you contest its accuracy or have objected to processing).
• Right to Data Portability: Where applicable, you can request a copy of your data in a commonly used format to transfer to another provider.
• Right to Object: You can object to our processing of your data where we rely on legitimate interests as our legal basis, and you have grounds relating to your particular situation. You also have an absolute right to object to direct marketing at any time.
• Right not to be subject to automated decision-making: We do not make solely automated decisions with legal or similarly significant effects using your personal data.

If you wish to exercise any of these rights, please contact us at support@loriano.co.uk. We will respond to legitimate requests within one month, or inform you if we need additional time. We may need to verify your identity before fulfilling certain requests, to ensure we do not disclose data to the wrong person.

• Cookies and Tracking: Our website uses cookies and similar technologies to function effectively and to enhance user experience. For detailed information on the cookies we use and how you can manage them, please refer to our Cookies Policy (if available) or the relevant section on our Privacy page. Generally, essential cookies are used for site functionality (like keeping your cart items remembered), and analytics cookies may be used to help us understand site traffic (which you can opt out of if desired).
• Privacy Policy: These Terms contain a brief overview of our data practices. We maintain a separate Privacy Policy that provides more detailed information on how we handle personal data, including any transfers of data outside the UK (if applicable), the legal bases for processing, and contact details for privacy inquiries. Our Privacy Policy is available on our website https://www.loriano.co.uk/privacy (or a similar link). By agreeing to these Terms, you also acknowledge our Privacy Policy.
• UK GDPR Compliance: Loriano UK LTD acts as the “data controller” for the personal information you provide to us in the context of purchasing products. We process personal data lawfully, fairly, and in a transparent manner, in line with the principles of UK GDPR. If you have concerns about how we handle your data, you can contact us at any time. We will do our best to address your concerns. Additionally, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues, if you believe we have processed your data unlawfully or not respected your rights. (The ICO’s website is www.ico.org.uk and they can be contacted for guidance or to file a complaint.)

In summary, we only use your personal data to provide our services to you and to meet legal obligations. We do not misuse your data, and we take security seriously. By shopping with us, you consent to such processing as outlined. If you have any questions about your privacy or how we handle your information, please refer to our Privacy Policy or contact us for more details.

13. Governing Law and Dispute Resolution

Governing Law: These Terms and any contracts for the purchase of goods through our website are governed by the laws of England and Wales. This means that the interpretation of the Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) will be determined in accordance with English law. If you reside in Scotland or Northern Ireland, you will also retain the benefit of any mandatory provisions of the law of the country in which you reside (for example, certain consumer protection laws). Nothing in this clause deprives you of the protection of the laws that apply to you under any mandatory consumer law provisions which cannot be waived by agreement.

Jurisdiction: You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction to settle any disputes or claims (including non-contractual disputes or claims) arising out of or in connection with these Terms or your purchase of products from us. “Non-exclusive jurisdiction” means that if you are a resident of Northern Ireland or Scotland, you may alternatively choose to bring legal proceedings in the courts of Northern Ireland or Scotland, respectively. If you reside outside of England and Wales, local law may permit you to file a lawsuit in your local courts as well. We will not dispute your right to do so if that is what mandatory law requires. However, if you are a consumer domiciled in the UK, we will generally handle legal disputes in the UK. If you are domiciled outside the UK, please note that we currently target our sales to the UK market only.

Complaints and Dispute Resolution: We sincerely hope you are satisfied with your purchase and our service. If you have any complaints or issues, we encourage you to contact our customer service (via email at support@loriano.co.uk) in the first instance. We will attempt to resolve the matter amicably and swiftly. Most customer concerns can be resolved through our customer service team without needing formal legal action.

Alternative Dispute Resolution (ADR): We are legally required to inform you about Alternative Dispute Resolution options. ADR is a process where an independent body considers a dispute and tries to resolve it, without you having to go to court. However, please note that Loriano UK LTD is not currently a member of any specific ADR scheme and is not obligated to submit to ADR under the UK regulations. While we always consider reasonable requests to engage in mediation or ADR, we do not have an appointed ADR provider for our business at this time. If a dispute arises that we cannot resolve between ourselves, we will let you know if we are willing to use an ADR entity to handle the dispute. If we agree, we will provide you with the name of an ADR provider (one that is certified to handle consumer disputes, such as The Retail Ombudsman or another relevant service) and whether we intend to use that service. You can also find general information about ADR and your consumer rights from agencies like Citizens Advice.

As an online trader, we also draw your attention to the existence of the EU Online Dispute Resolution (ODR) Platform. Since the UK has left the EU, the ODR platform may not be directly applicable to UK consumers/traders, but if you are an EU-based customer purchasing from our site, you could use the European Commission’s ODR platform to lodge a complaint. The ODR platform can be found at http://ec.europa.eu/odr. The ODR platform will transmit your complaint to the appropriate dispute resolution body. However, please be aware that submission via ODR is not a guarantee that a solution will be reached, especially since we are not signed up to a specific scheme. Using our internal complaint process or UK court system might be more straightforward for UK customers.

No Waiver of Legal Rights: Using these dispute resolution methods is voluntary. The mention of ADR or any ODR platform does not take away your right to bring court proceedings. You are always free to pursue legal action if you prefer. We simply have to inform you of these options under UK law (The Alternative Dispute Resolution for Consumer Disputes Regulations 2015).

In summary, any contract between you and Loriano UK LTD is governed by English law, and disputes will primarily be dealt with in the English courts (with allowances for you to use local courts if you live elsewhere in the UK). We are not currently under any ADR scheme, but we will continue to handle complaints in line with legal requirements and best practices. Our goal is to resolve any issue directly with you in a fair manner. If you are not satisfied, you have legal avenues available to you.

14. Miscellaneous Provisions

This section contains additional important provisions that don’t fit elsewhere, but which form part of our agreement with you.

• Entire Agreement: These Terms and Conditions of Sale, together with your order confirmation, our Privacy Policy, and any other documents or policies expressly referred to within these Terms, constitute the entire agreement between you and Loriano UK LTD regarding the purchase of products. This means that they supersede and replace any prior discussions, correspondence, or understandings between us relating to your purchase. You acknowledge that you have not relied on any representation or information that is not set out in these Terms when entering into the contract. However, nothing in this clause limits or excludes any liability for fraud or fraudulent misrepresentation.
• Amendments to Terms: We may revise or update these Terms from time to time (for example, to reflect changes in the law, our business practices, or the nature of our services). The version of the Terms that will apply to your purchase will be the version in force at the time you placed your order, unless any change to those Terms is required to be made by law or governmental authority (in which case it may apply to orders previously placed by you). If we do make revisions, the latest version will be available on our website and the date of last update will be indicated. We recommend checking our Terms periodically for any changes, especially before making a new purchase. We will not make changes to the Terms that have a retroactive detrimental effect on your rights unless we are legally required to do so.
• Severability: If any provision (or part of a provision) of these Terms is found by a court or other competent authority to be invalid, illegal, or unenforceable, that provision or part-provision shall, to that extent, be deemed not to form part of these Terms, and the validity and enforceability of the other provisions of these Terms shall not be affected. In such case, both parties shall use reasonable efforts to replace the invalid or unenforceable part with a provision that, to the extent permitted by law, achieves the intended result of the original provision.
• No Waiver: If we delay or fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or delay in doing so, that will not mean that we have waived our rights or that you do not have to comply with those obligations. For example, if you miss a payment and we do not immediately pursue you for it but continue to fulfill your order, we can still require you to make the payment at a later date. Any waiver by us of any provision of these Terms will be effective only if expressly stated in writing and signed by our authorized representative.
• Assignment: We may transfer or assign our rights and obligations under the contract (for example, in the event of a business transfer, merger, or using subcontractors to fulfill our obligations) to another organization, but this will not affect your rights or our obligations under these Terms. If such a transfer occurs, we will take reasonable steps to inform you if it materially affects your order. You may not transfer, assign, or otherwise dispose of your rights or obligations under the contract to any other person without our prior written consent. This contract is personal to you as the purchaser.
• Third Party Rights: This contract is between you (the buyer) and Loriano UK LTD (the seller). No other person shall have any rights to enforce any of its terms, except where provided by law. For example, the Contracts (Rights of Third Parties) Act 1999 allows certain third parties to enforce contracts, but in this case we agree that no third party has such rights. The only exception might be that if you bought a product as a gift for someone, they may have rights under consumer law with respect to that product (such as to claim under warranty), but they would not be able to sue under this contract as if they were a party to it. You and we are the only parties to this contract, and only you and we have the rights and obligations under it.
• Relationship of Parties: Nothing in these Terms is intended to create any partnership, joint venture, employer-employee, or franchiser-franchisee relationship between Loriano and you. We are simply an independent seller and you are an independent buyer.
• Notices: If we need to give you any notices under these Terms (for example, notice of changes to terms, or legal notices), we will do so via email to the address you provided, or in writing to your physical address if required. Any notice you need to give to us should be sent to our email or postal address provided in the Seller Identification section. Notices sent by email will be treated as received on the same business day if sent before 5:00 PM, or the next business day if sent later. Notices sent by post should ideally be via recorded delivery and will be treated as received 2 business days after posting (within UK).
• Survival: Any provisions of these Terms which by their nature should survive termination of the contract (such as provisions regarding liability, governing law, etc.) will remain in force after any termination or cancellation of the contract.
• Headings: The headings used in these Terms (such as “Introduction and Scope”, “Liability”, etc.) are included for convenience only and will not affect the interpretation of these Terms.

Thank you for reading our Terms and Conditions. We value your business and are committed to ensuring a clear and fair relationship with our customers. If you have any questions or need further clarification on any of the above, please don’t hesitate to contact us.