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Mander Auctioneers Ltd The Auction Centre Assington Rd Newton Green Sudbury Suffolk CO10 0QX +44 (0) 1787 211847 Email: info@manderauctions.co.uk Website: www.manderauctions.co.uk 

TERMS AND CONDITIONS OF BUSINESS

INFORMATION FOR BUYERS AT AUCTIONS
1. Introduction. The following notes are intended to assist bidders and buyers, particularly those that are inexperienced or new to our salerooms. All of our auctions are governed by our Conditions of Business incorporating the Terms of Consignment (primarily applicable to sellers), the Terms of Sale (primarily applicable to bidders and buyers) and any notices that are displayed in our salerooms or announced by the auctioneer at the auction. Our Conditions of Business are available for inspection at our salerooms and the Terms of Sale are printed in the back of our auction catalogues. Our staff will be happy to help you if there is anything in our Conditions of Business that you do not fully understand.
Please make sure that you read our Terms of Sale set out in the catalogue or on our website carefully before bidding in the auction. If your bid is successful, you will be obliged to comply with our Terms of Sale.
2. Agency. As auctioneers we usually act on behalf of the seller whose identity, for reasons of confidentiality, is not normally disclosed. If you buy at auction your contract for the goods is with the seller, not with us as auctioneer.
3. Estimates. Estimates are designed to help you gauge what sort of sum might be involved for the purchase of a particular lot. Estimates may change and should not be thought of as the sale price. The lower estimate may represent the reserve price (the minimum price for which a lot may be sold) and will not be below the reserve price. Estimates do not include the buyer’s premium or VAT (where chargeable). Estimates are prepared some time before the auction and may be altered by a saleroom notice or announcement by the auctioneer before the auction of the lot. They are not definitive.
4. Buyer's Premium. The Terms of Sale oblige you to pay a buyer's premium at 20% on the hammer price of each lot purchased. In addition, VAT is payable on this premium (24% inc. VAT) (see below). All bids submitted via the-saleroom.com incur an additional fee of 5.94% inc VAT.
5. VAT. Items in our catalogue may be marked in the following ways:
a. (*) indicates that VAT is payable by the buyer on the hammer price as well as being an element in the buyer's premium. VAT will be chargeable at the standard rate (presently 20%). This imposition of VAT is likely to be because the seller is registered for VAT within the European Union and is not operating the Dealers Margin Scheme or because VAT is due at 20% on importation into the UK.
b. (**) indicates that the lot has been imported from outside the European Union. [These lots are liable to a reduced rate of VAT (5%) on the hammer price and buyer's premium)].
c. Lots which do not have either of the above symbols have no VAT payable on the hammer price. This is because such lots are sold using the Auctioneers' Margin Scheme. The VAT included within the premium is not recoverable as input tax.
6. Inspection of goods by the buyer. As we act on behalf of the seller, we are dependent on information provided by the seller about their goods. We may inspect lots and will act reasonably in taking a general view about them. However, we are normally unable to carry out detailed examinations of lots to check their condition in the way a buyer would do. You will have ample opportunity to inspect the goods. You must inspect and investigate lots that you might wish to bid for. Please note carefully the exclusion of liability for the condition of lots set out in the Terms of Sale at clause 12.4.
7. Electrical goods. These are sold as “antiques” and for collection and display only. If you buy electrical goods for use you must ask a qualified electrician to check them for compliance with safety regulations before you use them.
8. Export of goods. If you intend to export goods you must find out:
a. whether an export licence is needed; and
b. if there is a prohibition on importing goods of that character e.g. because the goods contain prohibited materials such as ivory.
9. Bidding. Bidders will be required to register with us before the auction starts. We reserve the right to impose a deadline prior to the auction by which you must register or by which we must receive a commission bid. If you wish to bid on high value lots this deadline may be several days before the auction in order to allow us sufficient time to carry out the necessary checks. Lots will be invoiced to the name and address on the registration form. You will need to provide us with proof of your identity in a form acceptable to us and such other information as we may require. Please enquire in advance about our arrangements for telephone or online bidding. Please note that we may refuse to register you if you do not provide us with all the information and documentation that we ask for or at our discretion.
10. Financial Checks. As auctioneers we may have to conduct various checks into our customers under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and related legislation. Unless we confirm we already have this information, on registration you will be required to provide the following:
a. For individuals, official photo identification (driving licence, passport or equivalent) and proof of address (if this is not included in your ID document);
b. For corporate entities, the certificate of incorporation (or equivalent) with your official name, registered number (if any) and registered address, as well as details and ID documentation for directors and beneficial owners of the entity;
c. For trusts and estates, details and ID documentation for executors/trustees and details of beneficiaries; please contact us for further information.
You may be asked for further information if we deem this necessary. If you are bidding for another person (your “Principal”) you will be required to provide the above information for yourself and your Principal, along with a signed letter from your Principal authorising you to bid.
Further information about ID requirements is available from info@manderauctions.co.uk. If we deem that you have not provided sufficient information for us to complete our anti-money laundering and terrorist financing checks to our satisfaction, we may refuse to register you to bid and we may postpone completion of or cancel any contract made by you and the Seller in the event you have made a successful bid.
11. Commission bidding. You may leave commission bids with us indicating the maximum amount to be bid against a lot (excluding the buyers' premium and/or any applicable VAT). We will execute commission bids as cheaply as possible having regard to the reserve (if any) and competing bids. If two buyers submit identical commission bids we may prefer the first bid received (where this can be reasonably ascertained). Please enquire in advance about our arrangements for the leaving of commission bids by telephone or email or via our website or online bidding platform.
12. Methods of Payment. We accept most cards or you may do a bank transfer. We do not accept cheques. For cash payments there is an upper limit of 15,000 euros equivalent.
13. Collection and storage. Please note what the Terms of Sale say about collection and storage. It is important that you pay for and collect goods promptly. Any delay may involve you having to pay storage charges or further terms may apply.

TERMS OF SALE
Both the sale of goods at our auctions and your relationship with us are governed by the Terms of Consignment (primarily applicable to sellers) the Terms of Sale (primarily applicable to bidders and buyers) and any notices displayed in the saleroom or announced by us at the auction (collectively, the “Conditions of Business”). The Terms of Consignment and Terms of Sale are available at our saleroom on request.
Please read these Terms of Sale carefully. Please note that if you register to bid and/or bid at auction this signifies that you agree to and will comply with these Terms of Sale.

1 Definitions and interpretation
1.1 To make these Terms of Sale easier to read, we have given the following words a specific meaning:
“Auctioneer” means Mander Auctioneers Ltd, a company registered in England and Wales with registration number 8389926 and whose registered office is located at The Auction Centre, Assington Road, Newton, Suffolk, CO10 0QX, or its authorised auctioneer, as appropriate;
“Bidder” means a person participating in bidding at the auction;
“Buyer” means the person who makes the highest bid for a Lot accepted by the Auctioneer;
“Deliberate Forgery” means: (a) an imitation made with the intention of deceiving as to authorship, origin, date, age, period, culture or source; (b) which is described in the catalogue as being the work of a particular creator without qualification; and (c) which at the date of the auction had a value materially less than it would have had if it had been as described;
“Hammer Price” means the level of the highest bid for a Lot accepted by the Auctioneer by the fall of the hammer;
“Lot(s)” means the goods that we offer for sale at our auctions;
“Money Laundering Regulations” means the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, as amended;
“Premium” means the premium that we will charge you on your purchase of a Lot to be calculated as set out in Clause 4;
“Reserve” means the minimum hammer price at which a Lot may be sold; 

“Sale Proceeds” means the net amount due to the Seller;

“Seller” means the persons who consign Lots for sale at our auctions;
“Terms of Consignment” means the terms on which we agree to offer Lots for sale in our auctions as agent on behalf of Sellers;
“Terms of Sale” means these terms of sale, as amended or updated from time to time;
“Total Amount Due” means the Hammer Price for a Lot, the Premium, any applicable artist’s resale right royalty, any VAT due and any additional charges payable by a defaulting buyer under these Terms of Sale;
“Trader” means a Seller who is acting for purposes relating to that Seller’s trade, business, craft or profession, whether acting personally or through another person acting in the trader’s name or on the trader’s behalf;
“VAT” means Value Added Tax or any equivalent sales tax; and
“Website” means our website available at www.manderauctions.co.uk

In these Terms of Sale the words 'you', 'yours', etc. refer to you as the Buyer. The words “we”, “us”, etc. refer to the Auctioneer. Any reference to a ‘Clause’ is to a clause of these Terms of Sale unless stated otherwise.
2 Information that we are required to give to Consumers
2.1 A description of the main characteristics of each Lot as contained in the auction catalogue.
2.2 Our name, address and contact details as set out herein, in our auction catalogues and/or on our Website.
2.3 The price of the Goods and arrangements for payment as described in Clauses 4, 5, 8 and 9.
2.4 The arrangements for collection of the Goods as set out in Clauses 9 and 10.
2.5 Your right to return a Lot and receive a refund if the Lot is a Deliberate Forgery as set out in Clause 14.
2.6 We and Trader Sellers have a legal duty to supply any Lots to you in accordance with these Terms of Sale.
2.7 If you have any complaints, please send them to us directly at the address set out on our Website.
2.8 We also refer you to our warranties as a Bidder and Buyer as set out in clause 6.
3 Bidding procedures and the Buyer
3.1 You must register your details with us before bidding and provide us with any requested proof of identity and billing information, in a form acceptable to us (Paragraph 10 of the information for Buyers refers. You must also satisfy any security arrangements we have in place before entering the auction room to view or bid.
3.2 We strongly recommend that you attend the auction in person. You are responsible for your decision to bid for a particular Lot. If you bid on a Lot, including by telephone and online bidding, or by placing a commission bid, we assume that you have carefully inspected the Lot and satisfied yourself regarding its condition.
3.3 If you instruct us in writing, we may execute commission bids on your behalf. Neither we nor our employees or agents will be responsible for any failure to execute your commission bid, unless our failure to do so is unreasonable. Where two or more commission bids at the same level are recorded we have the right to prefer the first bid made (where this can be reasonably ascertained).
3.4 The Bidder placing the highest bid for a Lot accepted by the Auctioneer will be the Buyer at the Hammer Price. Any dispute about a bid will be settled at our discretion. We may reoffer the Lot during the auction or may settle the dispute in another way. We will act reasonably when deciding how to settle the dispute.
3.5 Bidders will be deemed to act as principals, even if the Bidder is acting as an agent for a third party.
3.6 We may bid on Lots on behalf of the Seller up to one bid below the Reserve.
3.7 We may refuse to accept any bid if it is reasonable for us to do so.
3.8 Bidding increments will be at our sole discretion (but will be in line with standard auction practice).
4 The purchase price
As Buyer, you will pay:
a. the Hammer Price;
b. a premium of 24% of the Hammer Price. All bids submitted via live bidding at manderauctions.co.uk incur an additional fee of 3.6% inc vat and bidders who signed up at the-saleroom.com incur an additional fee of 5.94% inc VAT;
c. any artist’s resale right royalty payable on the sale of the Lot; and
d. any VAT due.
5 VAT
5.1 You shall be liable for the payment of any VAT applicable on the Hammer Price and premium due for a Lot. Please see the symbols used in the auction catalogue for that Lot and the “Information for Buyers” in our auction catalogue for further information.
5.2 We will charge VAT at the current rate at the date of the auction.
6 Buyer Warranties
6.1 You warrant that the funds used for settlement are not connected with any criminal activity including tax evasion, and that you are neither under investigation, nor have you been charged with or convicted of money laundering, terrorist activities or other crimes.
6.2 Where you are bidding on behalf of another person, you warrant that:
6.2.1 you have conducted appropriate customer due diligence on the ultimate buyer(s) of the Lot(s) in accordance with all applicable anti-money laundering and sanctions laws, you consent to us relying on this due diligence, and you will retain for a period of not less than 5 years the documentation evidencing the due diligence;
6.2.2 You will make such documentation promptly available for immediate inspection by an independent third party auditor upon our written request to do so;
6.2.3 the arrangements between you and the ultimate buyer(s) in relation to the Lot or otherwise do not, in whole or in part, facilitate tax crimes;
6.2.4 you do not know, and have no reason to suspect, that the funds used for settlement are connected with, the proceeds of any criminal activity, including tax evasion, or that the ultimate buyer(s) are under investigation, or have been charged with or convicted of money laundering, terrorist activities or other crimes.
7 The contract between you and the Seller
7.1 The contract for the purchase of the Lot between you and the Seller will be formed when the hammer falls accepting the highest bid for the Lot at the auction.
7.2 You may directly enforce any terms in the Terms of Consignment against a Seller to the extent that you suffer damages and/or loss as a result of the Seller’s breach of the Terms of Consignment.
7.3 If you breach these Terms of Sale, you may be responsible for damages and/or losses suffered by a Seller or us. If we are contacted by a Seller who wishes to bring a claim against you, we may in our discretion provide the Seller with information or assistance in relation to that claim.
7.4 We normally act as an agent only and will not have any responsibility for default by you or the Seller (unless we are the Seller of the Lot).
7.5 In addition to any other rights we may have to cancel a contract for sale under these Terms of Sale, in the event:
7.5.1 you are in breach of your warranties in clause 6; or
7.5.2 we have not completed our enquiries pursuant to the Money Laundering Regulations and related legislation to our satisfaction; or
7.5.3 we have reason to believe that the transaction might be unlawful for any reason, or that the sale might put us under any civil or criminal liability, we may delay completion of a sale, delay release of a Lot or cancel the sale of a Lot.
8 Payment
8.1 Immediately following your successful bid on a Lot, and no later than 5pm on Monday following an auction, you will:
8.1.1 give to us, if not already provided to our satisfaction, proof of identity in a form acceptable to us (and any other information that we require in order to comply with our anti-money laundering obligations – please refer to paragraph 10 of the Information for Buyers); and
8.1.2 pay to us the Total Amount Due by card or bank transfer. For cash payments there is an upper limit of 15,000 euros equivalent.
8.2 If you owe us any money, we may use any payment made by you to repay these debts.
9 Title and collection of purchases
9.1 While you are bound by the contract for the purchase of the Lot from the fall of the hammer on your successful bid, ownership in the Lot will not pass to you until:
9.1.1 you have paid us in full the Total Amount Due in cleared funds for that Lot;
9.1.2 you have provided us with the information set out in clause 8.1.1; and
9.1.3 we have completed our enquiries pursuant to the Money Laundering Regulations and related legislation.
You may not claim or collect a Lot until you have paid for it and ownership has passed to you.
9.1 Once you have paid us in full the Total Amount Due for any Lot, ownership of that Lot will transfer to you. You may not claim or collect a Lot until you have paid for it.
9.2 Unless notified otherwise, you will (at your own expense) collect any Lots that you have purchased and paid for either:
9.2.1 not later than one business day following the day of the auction; or
9.2.2 with prior agreement of the auctioneer, not later than two business days following the date that we have received payment of the Total Amount Due in cleared funds, if later.
9.3 If you do not collect the Lot within this time period, you will be responsible for any reasonable removal, storage and insurance charges in relation to that Lot, unless the delay was caused by our continuing investigations under Clause 7.5.2.
9.4 Risk of loss or damage to the Lot will pass to you when you (or your agents) take physical possession of the Lot.
9.5 If you do not collect the Lot that you have paid for within thirty days after the auction, we may sell the Lot. We will pay the proceeds of any such sale to you, but (unless the delay was caused by our continuing investigations under Clause 7.5.2) will deduct any storage charges or other sums that we have incurred in the storage and sale of the Lot. We reserve the right to charge you a selling commission at our standard rates on any such resale of the Lot.
10 Remedies for non-payment or failure to collect purchases
10.1 Please do not bid on a Lot if you do not intend to buy it. If your bid is successful, these Terms of Sale will apply to you. This means that you will have to carry out your obligations set out in these Terms of Sale. If you do not comply with these Terms of Sale we may (acting on behalf of the Seller and ourselves) pursue one or more of the following measures:
10.1.1 take action against you for damages for breach of contract;
10.1.2 reverse the sale of the Lot to you and/or any other Lots sold by us to you;
10.1.3 resell the Lot by auction or private treaty (in which case you will have to pay any difference between the price you should have paid for the Lot and the price we sell it for as well as the charges outlined in Clause 9.5). Please note that if we sell the Lot for a higher amount than your winning bid, the extra money will belong to the Seller;
10.1.4 remove, store and insure the Lot at your expense;
10.1.5 if you do not pay us within two business days of your successful bid, we may charge interest at a rate not exceeding 1.5% per month on the total amount due;
10.1.6 keep that Lot or any other Lot sold to you until you pay the Total Amount Due;
10.1.7 reject or ignore bids from you or your agent at future auctions or impose conditions before we accept bids from you; and/or
10.1.8 if we sell any Lots for you, use the money made on these Lots to repay any amount you owe us.
10.2 We will act reasonably when exercising our rights under Clause 10.1. We will contact you before exercising these rights and try to work with you to correct any non-compliance by you with these Terms of Sale.
11 Health and safety
Although we take reasonable precautions regarding health and safety, you are on our premises at your own risk. Please note the lay-out of the premises and security arrangements. Neither we nor our employees or agents are responsible for the safety of you or your property when you visit our premises, unless you suffer any injury to your person or damage to your property as a result of our, our employees’ or our agents’ negligence.
12 Warranties
12.1 The Seller warrants to us and to you that:
12.1.1 the Seller is the true owner of the Lot for sale or is authorised by the true owner to offer and sell the lot at auction;
12.1.2 the Seller is able to transfer good and marketable title to the Lot to you free from any third party rights or claims; and
12.1.3 as far as the Seller is aware, the main characteristics of the Lot set out in the auction catalogue (as amended by any notice displayed in the saleroom or announced by the Auctioneer at the auction) are correct.
12.2 If, after you have placed a successful bid and paid for a Lot, any of the warranties above are found not to be true, please notify us in writing. Neither we nor the Seller will be liable to pay you any sums over and above the Total Amount Due and we will not be responsible for any inaccuracies in the information provided by the Seller except as set out below.
12.3 Please note that most of the Lots that you may bid on at our auction are second-hand and from private vendors.
12.4 If a Lot is not second-hand and you purchase the Lot as a Consumer from a Seller that is a Trader, a number of additional terms may be implied by law in addition to the Seller’s warranties set out at Clause 12.1 (in particular under the Consumer Rights Act 2015). These Terms of Sale do not seek to exclude your rights under law as they relate to the sale of these Lots.
12.5 Save as expressly set out above, all other warranties, conditions or other terms which might have effect between the Seller and you, or us and you, or be implied or incorporated by statue, common law or otherwise are excluded.
13 Descriptions and condition
13.1 Our descriptions of the Lot will be based on: (a) information provided to us by the Seller of the Lot (for which we are not liable); and (ii) our opinion (although it is likely that we will not be able to carry out a detailed inspection of each Lot).
13.2 We will give you a number of opportunities to view and inspect the Lots before the auction. You (and any independent consultants acting on your behalf) must satisfy yourself about the accuracy of any description of a Lot. We shall not be responsible for any failure by you or your consultants to properly inspect a Lot. Photographs displayed on our website may assist you, but should not be taken as a representation of condition.
13.3 Representations or statements by us as to authorship, genuineness, origin, date, age, provenance, condition or estimated selling price involve matters of opinion. We undertake that any such opinion will be honestly and reasonably held and accept liability for opinions given negligently or fraudulently.
13.4 Please note that Lots (in particular second-hand Lots) are unlikely to be in perfect condition. Lots are sold “as is” (i.e. as you see them at the time of the auction). Neither we nor the Seller accept any liability for the condition of second-hand Lots or for any condition issues affecting a Lot which the inspection of a Lot by the Buyer ought to have revealed.
14 Deliberate Forgeries
14.1 You may return any Lot which is found to be a Deliberate Forgery to us within 21 days of the auction provided that you return the Lot to us in the same condition as when it was released to you, accompanied by a written statement identifying the Lot from the relevant catalogue description and a written statement of defects.
14.2 If we are reasonably satisfied that the Lot is a Deliberate Forgery we will refund the money paid by you for the Lot (including any Premium and applicable VAT) provided that if:
14.2.1 the catalogue description reflected the accepted view of experts as at the date of the auction; or
14.2.2 you personally are not able to transfer good and marketable title in the Lot to us, you will have no right to a refund under this Clause 14.2.
14.3 If you have sold the Lot to another person, we will only be liable to refund the price that you paid for the Lot. We will not be responsible for repaying any additional money you may have made from selling the Lot.
14.4 Your right to return a Lot that is a Deliberate Forgery does not affect your legal rights and is in addition to any other right or remedy provided by law or by these Terms of Sale.
15 Our liability to you
15.1 We will not be liable for any loss of opportunity or disappointment suffered as a result of participating in our auction.
15.2 In addition to the above, neither we nor the Seller shall be responsible to you and you shall not be responsible to the Seller or us for any other loss or damage that any of us suffer that is not a foreseeable result of any of us not complying with the Conditions of Business. Loss or damage is foreseeable if it is obvious that it will happen or if at the time of the sale of the Lot, we, you and the Seller knew it might happen.
15.3 Subject to Clause 15.4, if we are found to be liable to you for any reason (including, amongst others, if we are found to be negligent, in breach of contract or to have made a misrepresentation), our liability will be limited to the total purchase price paid by you to us for any Lot.
15.4 Notwithstanding the above, nothing in these Terms of Sale shall limit our liability (or that of our employees or agents) for:
15.4.1 death or personal injury resulting from negligence (as defined in the Unfair Contract Terms Act 1977);
15.4.2 fraudulent misrepresentation; or
15.4.3 any liability which cannot be excluded by law.
16 Notices
16.1 All notices between you and us regarding these Terms of Sale must be in writing and signed by or on behalf of the party giving it.
16.2 Any notice referred in Clause 16.1 may be given:
16.2.1 by delivering it by hand;
16.2.2 by first class pre-paid post or Recorded Delivery; or
16.2.3 by email
16.3 Notices must be sent:
16.3.1 by hand or registered post:
a. to us, at our address set out in these Terms of Sale or at our registered office address appearing on our Website; and
b. to you, at the last postal address that you have given to us as your contact address in writing; or
16.3.2 by email:
a. to us, by sending the notice to the following email address: info@manderauctions.co.uk
b. to you, by sending the notice to any email address that you have given to us as your contact email address in writing.
16.4 Notices will be deemed to have been received:
16.4.1 if delivered by hand, on the day of delivery;
16.4.2 if sent by first class pre-paid post or Recorded Delivery, two business days after posting, exclusive of the day of posting; or
16.4.3 if sent by email, at the time of transmission unless sent after 17.00 in the place of receipt in which case they will be deemed to have been received on the next business day in the place of receipt
16.5 Any notice or communication given under these Terms of Sale will not be validly given if sent by any form of messaging via social media or text message.
17 Data Protection
We will hold and process any personal data in relation to you in accordance with our current privacy policy, a copy of which is available on request.
18 General
18.1 We may, acting reasonably, refuse admission to our premises or attendance at our auctions by any person.
18.2 We act as an agent for our Sellers. The rights we have to claim against you for breach of these Terms of Sale may be used by either us, our employees or agents, or the Seller, its employees or agents, as appropriate. Other than as set out in this Clause, these Terms of Sale are between you and us and no other person will have any rights to enforce any of these Terms of Sale.
18.3 We may use special terms in the catalogue descriptions of particular Lots. You must read these terms carefully along with any glossary provided in our auction catalogues.
18.4 Each of the clauses of these Terms of Sale operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining clauses will remain in full force and effect.
18.5 We may change these Terms of Sale from time to time, without notice to you. Please read these Terms of Sale carefully, as they may be different from the last time you read them.
18.6 Except as otherwise stated in these Terms of Sale, each of our rights and remedies are: (a) are in addition to and not exclusive of any other rights or remedies under these Terms of Sale or general law; and (b) may be waived only in writing and specifically. Delay in exercising or non-exercise of any right under these Terms of Sale is not a waiver of that or any other right. Partial exercise of any right under these Terms of Sale will not preclude any further or other exercise of that right or any other right under these Terms of Sale. Waiver of a breach of any term of these Terms of Sale will not operate as a waiver of breach of any other term or any subsequent breach of that term.
18.7 These Terms of Sale and any dispute or claim arising out of or in connection with them (including any non-contractual claims or disputes) shall be governed by and construed in accordance with the laws of England and the parties irrevocably submit to the exclusive jurisdiction of the English courts.