Home›Terms and Conditions

The Legal Stuff you need to know

1. General terms	9. Liability
2. Mobile phone ordering	10. Offer Terms
3. Ordering from Chitter-Chatter	11. Cancellation under Distance Selling Regulations
4. Price	12. Provisions applicable to the use of our website
5. Delivery	13. Definitions
6. Data Protection and Privacy	14. Insurance
7. Returns Policy	15. Cash Back Offer
8. Clawback	16. International calls

1. General terms

The following are the terms and conditions (called "the terms") for the supply of goods and services by Chromevalue Ltd trading as chitter chatter. We may change the terms from time to time without notice. However, any changes will only apply to any orders received after the change.

We intend to rely upon the terms. It is important that you read and understand the terms before ordering from chitter-chatter. If there is any term that you do not understand please notify us before ordering from us.

Chitter-Chatters unique offers will have specific terms which are applicable to each one and these will be explained to you by phone or on our website at the relevant page.

You must be over 18 to order any products from us. We only accept orders from you if you are resident in the United Kingdom. By ordering from us you confirm that you are over 18 and in the United Kingdom. Delivery can only be made to addresses in the United Kingdom.

The benefit of any contract entered into with us is personal to you and only you can enforce the contractual terms.

2. Mobile phone ordering

We only agree to supply a phone to you if you enter into an airtime agreement to connect the phone we supply to an airtime provider for a minimum period of 12, 18 or 24 months on the particular network and tariff that is associated with the phone. If there is a delivery charge, you must also pay that. The reason we insist on this is because mobile phones are worth several hundred pounds and we can only sell or supply a phone either free or for a price below what the phone is worth if you also enter into such an airtime agreement. Your contract for airtime is not with us but is with a separate mobile phone network.

If we deliver a phone to you and you do not enter into the associated airtime agreement or you cancel your agreement AND do not return the phone to us (or where permitted under paragraph 10 do not enable us to collect it) we will charge you the retail price of the handset only phone.

The phone and any other goods we deliver to you become your responsibility once they are delivered to you.

3. Ordering from Chitter-Chatter

All orders for our mobile phones are subject to you passing status and credit checks required by the mobile phone networks. If you are making a payment for the goods, orders are subject to obtaining payment authorisation from your credit or debit card provider. We will let you know if you do not pass these checks or if we do not obtain such authorisations.

Please note that any automated reply or acknowledgement of your order that you may receive from us by email is not an acceptance of your order. The contract between us is made when we despatch the goods to you. If you have ordered through our website, we will send you an email confirming this. Only the goods stated on that email will be included in the contract.

Prior to entering the contract, we will be under no obligation to supply you with the mobile phone or other goods or services you have ordered.

We reserve the right to refuse or reject any order to obtain any goods or services at any time.

To purchase from us, you will need to use a credit, debit or charge card. If you order by our website, you will also need an e-mail address as we will use this to contact you. It is your responsibility to verify that your mailbox is in proper working order and you must assume the risk of all consequences for transmission or operational failures.

In order to obtain a mobile phone from us, it is necessary to pay your monthly payments to the airtime provider by direct debit. We will arrange for this to be set up automatically for you and details will be confirmed to you by your mobile phone network in writing soon after connection together with confirmation of when your first and ongoing payments will be taken. If there is a change to the date, amount or frequency of your direct debit, you will be given 10 working days' notice before any money is debited from your account. In the unlikely event of an error, you are entitled to an immediate refund from your bank. You have the right to cancel the direct debit at any time. This guarantee is offered by all banks and building societies that take part in the direct debit scheme. However you should be aware that airtime agreements usually require payments to be made by direct debit and you may be in breach of your airtime agreement if you cancel a direct debit or request a refund.

If you order insurance through us the insurance company will require a direct debit for any insurance premiums. We will arrange for this to be set up automatically for you and details will be confirmed to you by the insurer in writing soon after connection. If there is a change to the date, amount or frequency of your direct debit, you will be given 10 working days' notice before any money is debited from your account. You have the right to cancel the direct debit at any time. This guarantee is offered by all banks and building societies that take part in the direct debit scheme. However you should be aware that your insurance may cease if you cancel a direct debit or request a refund. Once you are connected to your mobile phone network, your first bill may not be for a complete month. The exact period will depend on the particular billing cycle that the airtime provider operates. We do not have any control over this but it does mean that any free minutes and/or free messages are pro rated from connection up until the date of your first bill. We recommend that you check this with your mobile phone network upon receipt of the phone.

4. Price

If you have agreed to pay for the phone or any goods during a telephone call with us, the price will be the price that we tell you during our telephone call. If you order from our website the price will be the price quoted on the online order form.

Occasionally we may make a mistake in the price quoted on our website or in an advertisement and if we have made such an error, then we will inform you of this as soon as we become aware of it and will tell you the correct price and ask you if you still wish to place a new order with us. If we have not heard back from you within 10 days, then we will assume that you did not want to place a new order and we will give you a full refund if you have already paid.

We reserve the right to cancel the contract between us if one or more of the goods you ordered were listed at an incorrect price due to a typographical error or because of an error in our website. If we do cancel your contract in such circumstances, we will notify you by e-mail and will re-credit to your account any sum deducted by us from your credit card as soon as possible but in any event within 30 days of your order. We will not be obliged to offer any additional compensation for disappointment suffered.

By ordering from us, you agree that we are authorised to charge your credit, debit or charge card with the amount shown on the online order form or the amount we agree with you over the phone.

5. Delivery

Any delivery charges will be explained to you by phone or, if you order from our website, will be stated on the website.

We will deliver to the current address given by you at the time you place your order. You must be available to accept personal delivery and sign an acknowledgement of delivery. If the package appears damaged when it is delivered to you we advise you not to accept delivery.

We strongly recommend that, upon receipt, you inspect the phone. In the unlikely event that we deliver the wrong phone to you or the phone or other goods are defective or damaged, please inform us as soon as reasonably possible.

We will not be liable for any delays beyond our reasonable control. If you delay a delivery, our responsibility for everything other than damage due to our negligence will end on the date we agreed to deliver it.

If we are unable to provide you with the phone you have ordered for reasons beyond our reasonable control, you will be contacted as soon as possible at which point you will be offered the choice of accepting a substitute phone or a complete refund of any sums that you have paid.

If the item is in stock and ordered before 3.30pm (Mon-Fri), we aim to dispatch the same day. If not then it will be dispatched the following working day. Delivery should take up to 5 working days with Royal Mail track and trace service. If you have not received your order within 5 working days please feel free to contact our Customer Service Team : customerservice@chitter-chatter.co.uk

6. Data Protection and Privacy

By ordering from chitter-chatter, you agree to us using your personal details in order to supply the goods to you (which may involve passing them on to relevant third parties such as credit card companies, mobile phone networks, insurance companies and delivery firms) and in order to send you further information about our products and services. If you breach this agreement your personal data may be disclosed or passed to third parties to the extent necessary to assist recovery procedures.

To make sure we follow your instructions correctly and to improve our service to you through training of our staff, we may monitor or record communications.

We will also pass on your personal details to mobile phone networks to enable them to set up direct debits, administer your airtime agreement and perform checks with credit reference agencies and for anti-fraud checks. We may also carry out status checks. If you order your insurance through us, you give us permission to pass your data to relevant insurance companies. You consent to us and people to whom we pass your personal details to contact you by post, email, SMS and phone. You consent to us obtaining information from the relevant mobile phone network, insurance company or provider of mobile phone replacement schemes and any repairers about your use of the phone we supply to you.

You may request us to stop using your data or contacting you in particular ways (other than as is necessary for the performance of our obligations under our agreement or as permitted by law) by contacting our Data Protection Controller. We may also disclose your personal information if we are required to do so by law for example to the Financial Services Authority and other regulatory and government agencies.

To help us and mobile phone networks to make credit decisions about you, to prevent fraud and to check your identity, we and the mobile phone network may search our own files and the files of credit reference agencies who will record any credit searches on your file. Details of how you conduct your account may be disclosed to such agencies. The information will be used by other credit grantors for making credit decisions about you and the people with whom you are financially associated, for fraud prevention, money laundering prevention and occasionally for tracing debtors.

You acknowledge and agree to be bound by the terms of our privacy policy

7. Returns Policy

If you wish to take advantage of our returns policy, it is your obligation to return the phone in question together with any accessories and other goods supplied at your own cost by special delivery. Our returns policy only applies to phones which are unused (i.e. not used to make or receive calls or send or receive messages or data).

Our returns policy is in addition to any other rights you have and enables you to return the unused phone and other products we have sent you and end any associated airtime agreement. For phones with an associated airtime agreement, the unused phone and other goods must be returned to us within 7 working days of delivery (30 days on T-Mobile Business Tariff). You must follow the Returns Procedures supplied with the phone. If there is an associated airtime agreement, you will remain liable to pay for any line rental until the unused phone and all other goods we supplied to you are received back by us in unused condition in accordance with this policy. The unused phone and other goods must be returned in their original packaging. If we do not receive the phone and other goods back by the required date or if it has been used or we do not receive all the accessories that we sent to you, then any associated airtime agreement will not be cancelled and you will remain liable under it. You are respons ible for the phone and other goods until they are received by us. Unless we have provided you with a prepaid envelope, you are responsible for the cost of returning the phone to us.

Refunds (where applicable) will be credited to the card used for the original purchase after receipt of the returned equipment and satisfactory inspection by us. Please allow 30 days for the refund.

Unless you have cancelled the contract in accordance with paragraph 10, even if you do not use the phone, the airtime agreement will be deemed to be have commenced on the date of delivery.

8. Clawback

8.1 If you enter into a nominated airtime contract we are sometimes able to offer you a free or subsidised handset, free line rental (through cheque back claims) and/or give you a promotional item. You acknowledge and agree that if you end the nominated airtime contract or you if fail to fulfil your payment obligations under the nominated airtime contract or if you subsequently move onto a lower tariff in the nominated airtime contract within the first seven months of the start of such contract we have the following rights:

8.1.1 to charge to your payment card the recommended retail price of the handset supplied to you (up to £500);
8.1.2 to charge to your payment card the recommended retail price of any promotional item; and
8.1.3 to charge to your payment card the value of any cheque back claims already made or, where cheque back claims have yet to be made, to cancel your right to any and all cheque back claims; and

8.2 If for any reason we are unable to charge your payment card as set out in paragraph 9.1, we reserve the right to claim such sums back by any other means available to us including by way of court action.

9. Liability

Nothing in the terms limits our liability to you in the event of death or personal injury from our negligence.

We will not be liable under our agreement with you for any loss or damage caused by us or our employees or agents in circumstances where i) there is no breach of a legal duty of care owed to you by us or by any of our employees or agents; ii) such loss or damage is not a reasonably foreseeable result of any such breach at the time we enter into our contract with you; iii) any increase in loss or damage results from breach by you of any of the terms.

We are not responsible for indirect losses which happen as a side effect of the main loss or damage and which are not reasonably foreseeable by you and us at the time we enter into our contract with you (such as loss of profits or loss of opportunity).

As a consumer, you have certain rights by law regarding the return of defective goods and claims in respect of losses caused by any negligence on our part or our failure to carry out our obligations. The terms do not affect those rights.

We will not be liable in any way for technical or other problems that you may experience when using our website and we are not responsible for any loss or damage of any kind caused to your computer equipment from using our website.

10. Offer Terms

All offers are valid only for the periods stated in the relevant advertisement or on the relevant web page.

If any provision of the terms is unenforceable this will not stop the rest of the terms from being enforceable.

Even if we do not exercise any of our rights on a particular occasion, that will not prevent us exercising those rights in the future.

The terms are governed by and construed in accordance with the laws of England and Wales. Each of us submits to the non-exclusive jurisdiction of the English Courts.

11. Cancellation under Distance Selling Regulations

If you are a consumer, in addition to the benefit of our returns policy you also have certain cancellation rights under Distance Selling laws and paragraph 10 applies.

Should you wish to cancel your contract then you may do so by sending us written notice before we have accepted or despatched your order or by sending us written notice no later than 7 working days after receiving the phone.

However, as there is an associated airtime agreement you will not be able to cancel your agreement once you have started to use the phone.

If you cancel your agreement before you have received the goods but we have already processed the goods for delivery you must not unpack the goods when they are received by you.

If you cancel your agreement after receipt of the goods, once you have cancelled you must not use the goods and you must keep them in their original packaging.

You must take reasonable care of the goods.

If you cancel, you must return the goods to us at your own risk and cost. You should follow the Returns Procedure enclosed with your phone.

Once you have notified us of your cancellation then any sums paid by you will be reimbursed within 30 days (other than our costs if we have to recover the goods from you). If you cancel under this paragraph and have not returned the goods to us within 7 working days of cancellation or when requested, you must make the goods available for collection by us at your cost. We can recover the costs of recovering the goods from you if you do not return them to us.

12. Provisions applicable to the use of our website

The contents of our website are directed solely at those who access this site from the United Kingdom. Any products for sale on this site may only be purchased and delivered to persons within the United Kingdom. If you choose to access the website from outside the United Kingdom it is your responsibility to check that you comply with any relevant laws. We may decline access to our website to any person.

We may revise the provisions applicable to the use of our website at any time by updating this posting. You should check our website from time to time to review the then current provisions, because they are binding on you.

Chromevalue Ltd is the owner of chitter chatter trade mark and branding. All other trade marks, brand names, product names and titles and copyrights used in this site are trade marks, brand names, product names or copyrights of their respective holders. No permission is given by us in respect of the use of any of them and such use may constitute an infringement of the holder's rights.

Limited License: You are permitted to print and download extracts from our website on the following basis: (i) no documents or related graphics on this website are modified in any way; (ii) no graphics on our website are used separately from accompanying text; and (iii) our copyright notice and this permission notice appear in all copies; (iv) you only do so for your own personal use and in connection with your use of the website as part of an ordinary relationship with us. Unless otherwise stated, the copyright and other intellectual property rights in all material on our website (including without limitation photographs and graphical images) are owned by us or our licensors. Any use of extracts from our website other than in accordance with the limited license above for any purpose is prohibited. If you breach any of the terms in this paragraph 11, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.

Other than by way of the limited license above, no part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

Any rights not expressly granted in the terms are reserved.

You may not link our website to any other website without our prior written consent. If we give any such consent we can revoke it at any time.

We provide our website on an 'as is' basis and make no representations or warranties of any kind with respect to our site, its contents or its accessibility and disclaim all such representations and warranties. In addition, we make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. For example, specifications of phones are obtained from the phone manufacturer. The information contained in this site may contain technical inaccuracies or typographical errors. All our liability for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

We will not be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the above, none of the exclusions and limitations in the clause are intended to limit any rights you may have as a consumer under local law or other rights which may not be excluded nor in any way to exclude or limit our liability to you for death or personal injury resulting from our negligence or that of our employees or agents.

13. Definitions

In the terms:

"you" and "your" means the person, firm or company who enters into a contract with us, or in the case of paragraph 11, the person firm or company who accesses our website.

"us", "our" and "we" means Chromevalue Ltd trading as chitter chatter, a limited company registered in England. Our company registration number is 3694892. You can write to us

at Nimax House, 20 Ullswater Cresent, Coulsdon, Surrey CR5 2HR .

Chromevalue Ltd’s VAT Number is 936632703.

14. Insurance

CHITTER CHATTER TELECOM THEFT, DAMAGE & EXTENDED WARRANTY INSURANCE TERMS AND CONDITIONS

This is to certify that in accordance with the authorisation granted to the undersigned under Contract Number B0611WB052200 by certain underwriters at Lloyd's whose names and proportions written by them, which will be supplied on application, can be ascertained by reference to the said Contract which bears the seal of the Lloyd's Policy Signing Office it is hereby agreed that, subject to the Terms, Definitions, Exclusions and Conditions contained herein or endorsed hereon or contained in or endorsed on the Schedule hereto, the Underwriters each for his own part and not for one another, their Heirs Executors and Administrators, will indemnify the Insured against Theft, Accidental Damage or Breakdown occurring during the Period of Insurance in respect of the Equipment specified in the Schedule attached hereto.

In witness whereof this Certificate has been signed by

For and on behalf of the Administrato

Territorial Limits

Great Britain, Northern Ireland, The Isle of Man, the Channel Islands and worldwide trips of up to ninety days at any one time.

Exclusions

The Insurance does not cover:-

Breakdown of the Equipment within the manufacturer’s warranty period.
Theft or damage to the Equipment:-
(a) whilst left in an unattended motor vehicle unless the Equipment is concealed from view and all doors, windows and other openings of the vehicle have been left closed, securely locked and properly fastened and such door, window, opening or fastener has been smashed whenever entry or access to the vehicle has been gained.
(b) whilst left on any motor vehicle roof, bonnet or boot.
(c) from any property, place or premises unless such theft or damage has occurred through forced and violent entry or exit.
Theft of the Equipment from You unless the Equipment is physically on Your person or concealed in a bag being carried by You.
Theft or damage to the Equipment whilst on hire or loan to any third party
The policy excess is £75 for iPhones, for other phones the policy excess is £50 where premiums are £8.99 a month, £40 where premiums are £6.99 a month and £20 where premiums are £4.99 a month.
The maximum number of claims that may be made in respect of total loss (either theft or unrepairable damage) on any Equipment is two.
Consequential loss or damage of any nature resulting from loss of use of the Equipment.
Damage or breakdown through negligence, abuse or misuse of the Equipment including any incident where the Equipment is placed into a washing machine whether accidentally or otherwise.
The cost of repair or replacement of car kits, batteries, chargers, aerials, SIM cards or accessories to Your Equipment.
Theft. loss or damage unless a SIM card registered to You was in your mobile phone at the time of the incident
The cost of any repairs or replecement of Your Equipment carried out by a repairer not approved by the Underwriters.
Theft, Damage or Breakdown caused by or arising from war, terrorism, radioactivity or sonic bang.
The cost of any claim whatsoever relating to software or any date changes.
Wear and tear or cosmetic damage where the Equipment still functions normally

Misuse of Equipment following Theft

If you have a valid claim for theft of your Equipment the Underwriters will pay You for the cost of any calls up to a maximum of £250 made by another person using Your Equipment without Your permission.

Misuse of Equipment following Theft condition

You must notify Your telephone service provider immediately theft of the Equipment becomes apparent to bar the Equipment from any further use.

Conditions

The minimum term of this insurance is 18 months which will be applied if a claim is made. In the event that a claim is paid by the Underwriters and the policy is cancelled by You before 18 months premiums have been paid all remaining premiums will become due immediately.
If Your Equipment is subject to Theft, Damage or Breakdown the Underwriters will at their own option pay for the cost of repairs by a qualified engineer authorised by the Underwriters or at the Underwriters own option replace Your Equipment with an identical model subject to availability or if not possible with Equipment having similar features and functions.
Your application and declaration forms the basis of Your insurance.
Cover is only available if premiums are paid in advance.
The Underwriters may alter the premiums by giving You thirty days notice.
The Underwriters may take legal action against any third party responsible for a loss, only pay a proportionate amount of any claim where the Equipment is also insured elsewhere and refer any disputed claims to an arbitrator (full wording available on request).
You must take all reasonable steps to protect and preserve Your Equipment and minimise the Underwriters liability.
In the event of Theft of the Equipment You must immediately notify:
- Your telephone service provider to bar your Equipment from further use
- The police and obtain a crime reference number
- The Administrator on (01256) 471387 to obtain a claim form or complete a claim online at http://claims.wcsinsurance.eu/ within 48 hours
You must fully complete the claim form and return it to the Administrator together with documentry proof of the crime reference and forced entry (where applicable). For misuse of airtime claims You must provide Your original airtime bill showing the calls that were made following Theft.
In the event of damage or breakdown outside of the manufacturer’s warranty You must notify the Administrator on (01256) 471387 to obtain a claim form or complete a claim online at http://claims.wcsinsurance.eu/ within 48 hours.You must fully complete the claim form and return it to the Administrator and send the Equipment by Royal Mail Special Delivery to our authorised repairer whose address is shown on the claim form.
You must supply the Administrator with any receipts or documentation requested in the event of a claim.
This insurance will not cover any Equipment other than that shown on the Schedule. If you wish to transfer the cover to any other Equipment you must notify the Administrator who will consider Your request and advise You in writing if cover may be transferred.
This insurance shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with this insurance policy Warranty & Creditor Services and You irrevocably submit to the non- exclusive jurisdiction of the English courts.

Cancellation

You may cancel this policy within the first 14 days of cover by sending written notice to Warranty & Creditor Services at 6 Faraday Office Park, Faraday Road, Basingstoke RG24 8QQ . If You do not exercise your right to cancel this policy will continue in force indefinitely until termination by You or the Underwriters.

Definitions

Administrator	Warranty & Creditor Services of 6 Faraday Office Park, Faraday Road, Basingstoke RG24 8QQ Tel (01256) 471387
You(r)	the customer named in the Schedule or an immediate family member
Equipment	a mobile phone or other electronic device specified in the Schedule
Breakdown	electrical or mechanical breakdown of Your Equipment that does not arise from any external cause
Theft	Dishonest removal of the Equipment from Your possession by a third party
Underwriters	Certain Underwriters at Lloyd's of London
Period of Insurance	Theft and damage - each calendar month for which a premium has been paid
Extended warranty	each calendar month for which a premium has been paid and commencing not less than 12 months after the date of purchase of Your Equipment
Schedule	the schedule shown on the certificate

Dispute

In case of dispute please write to the Customer Service Manager at Warranty and Creditor Services, 6 Faraday Office Park, Faraday Road, Basingstoke RG24 8QQ stating the nature of your complaint and policy number in the first instance.

If You are not satisfied with the outcome You may subsequently approach The Complaints and Advisory Department, Lloyd's of London, 1 Lime Street, London EC3M 7HA. If you are still not satisfied after this You should contact The Financial Ombudsman Service, South Key Plaza, 183 Marsh Wall, London E14 9SR

Compensation

Warranty & Creditor Services are covered by the Financial Services Compensation Scheme which may be triggered when an authorised firm goes out of business. In this unlikely situation you may be entitled to compensation from the scheme. Compensation under the scheme for insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the cost, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Make sure your new phone is properly protected

Every day thousands of mobile phones are stolen or damaged and the cost of replacing your phone may be several hundred pounds which is why we suggest that our customers protect their phone with Chitter Chatter's insurance which is arranged with certain underwriters at Lloyds's of london.

Theft

The chances of a stolen mobile phone being returned to its owner are less than 1%.
The latest phones can cost more than £500 to replace.
A brand new handset is more likely to be stolen.
Mobile phone theft is Britain's costliest form of crime.
Many household policies do not cover your mobile phone for theft and damage outside your home. Household policies also tend to have large excesses and increases in premium if you claim.
Damage
Repairs to the latest colour screens can cost in axcess of £200.
Mobile phones damaged by water of fluid cannot normally be repaired - and are not covered by the manufacturer's warranty.
Misuse of airtime

If the phone is stolen and is then used before disconnection the insurers will cover the cost of the unathorised calls made up to £250 providing you notify us of the theft within 24 hours.

Duration

The policy lasts indefinitely.
If the policy lasts for more than one year, it may be necessary for you to review and update your cover periodically, so that it remains adequate for your needs.

Making a claim

To make a claim, please phone us on 01256 471 387.
For theft claims you will need to provide a completed claim form, a crime reference and evidence of any forced entry (where appropriate). For misuse of airtime claims you will need to send your original airtime bill showing the calls that were made following theft.

Cancellation

You will have the right to cancel this policy within 14 days of start of the cover by providing written notice to the Administrator at the address shown below. You may also cancel the policy by giving the Administrator three months notice in writing. If you do not exercise your right to cancel this policy will continue in force indefinitely until termination by you or the Underwriters.

Extended warranty

If your phone breaks down after the manufacturer's warranty the insurance will also cover you forthe cost of repair including parts.

The cost of repairing your phone could be more than the phone is worth.

International cover

Worldwide trips of up to 90 days are also covered by the insurers at no additional cost.

Reapirs and replacemet

In the event that your phone is stolen you will receive the same model of phone subject to availability, if unavailable a replacement with similar features and functions will be supplied. If your phone is damaged or breaks down and is beyond economic repair you will receive the same model of phone subject to availability, if unavailable a replacemet with similar features and functions will be supplied.

Schedule of Insurance

Please contact the Administrator on the number shown overleaf if you have not received your Schedule of Insurance within 14 days of applying for cover.

Compensation

Initial Disclosure Document

We are Chromevalue Ltd trading as chitter chatter of Nimax House, 20 Ullswater Cresent, Coulsdon, Surrey CR5 2HR.
We are an appointed representative of Warranty & Creditor Services of 6 Faraday Office Park, Faraday Road, Basingstoke, RG24 8QQ who are authorised and regulated by the Financial Services Authority. Warranty & Creditor Services’s permitted business is advising on, arranging and dealing (as agent) in non investment insurance contracts (broadly simple insurance contracts with no element of investment involved). You can check this on the FSA’s Register by visiting the FSA’

15. Cash Back Offer

A Chitter Chatter ‘Call and Collect’ Visa prepaid card is provided free of charge to each new customer on signing up to one of our range of cash back price plans. Your chosen cash back, will be paid directly onto your prepaid card each time a cash back payment is due to you.

Your prepaid card will be issued and delivered directly to you within 2 months from the date of purchase.

For security reasons, your PIN number will be sent in a separate letter immediately after your card has been issued to you.

When you receive your card, it will be pre loaded with your first cash back. Thereafter, your card will be automatically ‘topped up’ with a cash back payment by 30th* each month until you either upgrade or cancel your current contract. You may also choose to load additional funds on to your card at any time.
Information on card activation and usage, will be sent to you with your prepaid card and the information is also available to view at any time at www.chitterchatter.co.uk/card

Terms & Conditions

These terms and conditions apply in addition to (i) the Terms and Conditions for Airtime/Network Supply/Mobile Phone Services with your network operator and (ii) the Terms and Conditions of Sale and/or Terms and Conditions for Supply of your Equipment/Handset/Phone with Chitter Chatter
This offer is only open to residents of the UK of 18 years of age or over.
This offer is subject to credit status and you entering an Airtime Contract for a minimum term.
Once you have accepted the terms of your Airtime Contract, you shall be deemed to have accepted these terms and conditions.
Automatic Line Rental Discount.
There is no need to submit a redemption claim and no claim forms are required.
You will receive your mobile phone bills each month for the full advertised monthly cost, which you are required to pay.
The payment you will receive is the equivalent amount of discounted line rental which you will automatically receive on the 30th of the 2rnd month after connection into your Chitter Chatter Visa prepaid card.
Example: SIM Only 15 (12 months) £15.32 per month with 1 months discounted line rental to £12 has a cashback value of £3.32.
You will automatically receive a payment into your Chitter Chatter Visa prepaid card for £3.32 on the 30th February 2012 for a connection purchased in December 2011.
In order to claim any discounted line rental and/or cashback or similar, you must be able to demonstrate to our reasonable satisfaction that your Airtime Contract has not been cancelled and all payments thereunder are up-to-date when you claim.
In the event that your Network Operator makes a clawback of any commissions paid to us due to a default or termination by you under your Airtime Contract, we reserve the right to charge you for the full amount of any such clawback up to the amount of any discounted line rental or similar applied or paid by us to you or for any cashback paid to you.
Chitter Chatter is trading name of Chromevalue Ltd t/a Chitter Chatter, Bemin House, Cox Lane, Chessington, Surrey KT9 1SGreg no 3694892

16. International Calls Terms and Conditions

Definition

"We"/"us"/"our" mean Chitter Chatter powered by Dial-a-Code, a trade mark of Core Telecommunications International Limited, 18 Edward Square, Bloomfield Avenue, Dublin 4. Ireland.

"You"/"your"/"Customer" shall mean the person ordinarily resident in the UK and Northern Ireland that is the primary user of the Dial-a-Code Service, and includes any person enabled or permitted by the Customer to use the Dial-a-Code Service.

"Service" is the Chitter Chatter Service which is intended to be used from Mobile Phones and allows the Customer to make telephone calls via an Access Number with the Customer being charged only by their service provider.

"Terms of use" are the terms governing the relationship between You and Us under which We will provide access to and use of our Website, our Services and any other information and services offered via our Website.

"Access Number": the Chitter Chatter Access Number is a phone number provided by us that you must use to access the service. Calls to the Access Number are billed to the bill payer of the phone used to contact the Access Number by the bill payer’s existing network operator.

"Website and Privacy Policy” means the policy governing the use of Our Website and how we may use personal information collected from You, either via the Website or through Your use of our Services.

General

By accessing or otherwise using Our Service, you agree to be bound by the terms and conditions that follow. If you do not intend to be bound by such Terms of Use, please do not use ourServices. These terms may be wholly or partially changed without prior notice and will be effective from the date of posting on the Website. Callers must ensure they have the bill payer's permission before using the Service. All rates displayed will be charged by your telephone service provider in accordance with your normal contract and are based on calls from any of the stated mobile operator sim cards. Charges from other networks may vary. Dial-a-Code makes no charges to the user for this service and accepts no responsibility for any charges made by the service provider.

The Dial-a-Code service works with all T-Mobile SIM cards. The Dial-a-Code PAYG prices as shown are for use with T-Mobile phones only, for calls from the UK. The Dial-a-Code international service access numbers have been set up by T-mobile specifically for use with the Dial-a-Code international service. Prices are specific to these numbers and are charged by T-Mobile through standard pay as you go credit or pay monthly bills. Prices and or available destinations for the Dial-a-Code international service are subject to change. Customers will be notified of changes on the www.dialacode.com website or via SMS. All standard T-Mobile terms and conditions apply to your usage. These and further details about T-Mobile services can be found at www.t-mobile.co.uk. Use of the numbers from any other network will be charged differently or may not be accessible. Dial-a-Code makes no charges to the user for this service and accepts no responsibility for any charges made by the service provider of your mobile service.

User Obligations

You must not use the service to make offensive, indecent, menacing, nuisance or hoax calls; or fraudulently or in connection with a criminal offence. If you do we may cease service without notice

Our Obligations

All Prices and or available destinations for the Dial-a-Code international service are subject to change. Customers will be noticed of changes on the Website. We do not guarantee that your call will be connected to your destination number, or the quality of the call, as these matters are influenced by things outside our reasonable control.

If we cannot do what we have promised in this Contract because of something beyond our reasonable control such as lightning, flood, or exceptionally severe weather, fire or explosion, civil disorder, war, or military operations, national or local emergency, anything done by government or other providers of telecommunications services or networks or other competent authority or industrial disputes of any kind, (including those involving our employees), we will not be liable for this.

Disclaimer

The service is subject to availability and may be withdrawn or suspended at any time. Except as otherwise provided by law, the Website is provided "as is" and without any warranty or condition, express or implied. See the Website and Privacy Policy for full term s on the use of Our Website.

We are not liable for any failure to perform our obligations if we are prevented from doing so by an event beyond our reasonable control (which may include, without limitation, strikes, labour disputes; acts of God, war; riot; civil action; malicious acts or damage; compliance with any law, governmental or regulatory order, rule, regulation or direction; virus or other harmful components; any act or omission of any government or other competent authority; accident; equipment or services failure, including the unavailability of third party telecommunications services, lines or other equipment; Are; flood or storm ).

Liability

We accept liability for our negligence, but only to the extent stated in this paragraph. We do not exclude or restrict our liability for death or personal injury resulting from our negligence, nor any liability arising under Part 1 of the Consumer Protection Act 1987 . Our liability to you in contract, tort or otherwise (including for our negligence) arising in relation to the service is limited to £100 for any one incident or related series of incidents and £ 200 for any series of incidents related or unrelated in any period of 12 months. In any event we have no liability for any loss that is not reasonably foreseeable, nor for any direct or indirect loss of business, revenue, profit or savings you expected to make, wasted expense, financial loss or data being lost or harmed . We do not accept liability for the acts or omissions of other providers of telecommunications services or networks or for the availability or performance of such services or networks. If you use the service for business purposes you must indemnify us against any claims that anyone (other than you) threatens or makes against us because the Service is faulty or cannot be used by them. Each provision of this paragraph operates separately in itself and survives independently of the others.

Invalidity and inconsistency

If any part of these term s are unenforceable Including any provision in which we exclude our liability to you) the enforceability of any other part of these terms will not be affected.

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