Terms of service

1. Overview

Welcome to Pennywatchers. The terms “we”, “us” and “our” refer to Pennywatchers. We operate pennywatchers.net (the “Website”), where we offer products for purchase and related services (the “Services”).

By accessing or using our Website and Services, you agree to be bound by these Terms of Service, together with our Privacy Policy and Refund Policy. If you do not agree, please do not use our Website.

2. Eligibility & Accounts

You must be at least 18 years old, or the age of majority in your country of residence, to place an order. You agree to provide accurate and complete information when creating an account or placing an order, and to keep your details up to date. You are responsible for maintaining the confidentiality of your login details and for all activity under your account.

3. Orders

  • When you place an order, you are making an offer to purchase. Orders are only accepted once payment has been processed and you receive an order confirmation email.

  • We reserve the right to decline or cancel an order for reasons including suspected fraud, stock unavailability, errors in product information, or pricing issues.

  • Orders are for personal use only and not for commercial resale.

4. Prices & Payment

  • All prices are shown in GBP (£) and include VAT where applicable. Shipping charges are calculated at checkout.

  • We reserve the right to change prices at any time without notice. The price you pay will be the price confirmed at checkout.

  • By submitting payment, you represent that you are authorised to use the selected payment method and that the details provided are accurate.

5. Shipping & Delivery

  • Pennywatchers operates as a dropshipping business. This means that some products may be shipped directly from our suppliers or fulfilment partners.

  • Delivery times will vary by product and supplier. Estimated delivery windows are provided at checkout but cannot be guaranteed. Typical delivery is between 3 –7 working days.

  • Once dispatched, risk of loss or damage passes to you. We are not responsible for delays caused by carriers, customs, or events outside our control.

  • In some cases, multiple items from a single order may arrive separately.

6. Returns & Refunds

Our Refund Policy forms part of these Terms.

  • You have the right under UK and EU law to cancel your order within 14 days of receiving it, for any reason.

  • Items must be returned in their original condition, unused, with tags and packaging intact.

  • Some products are excluded from returns for hygiene or safety reasons (e.g. personal care items, perishable goods).

  • Return shipping costs are the responsibility of the customer unless the item is defective, damaged, or incorrect.

  • Refunds are processed once returned goods are inspected. Delivery fees are non-refundable.

7. Product Information

We make every effort to ensure product descriptions, images, and specifications are accurate. However, as some information is provided by suppliers, we cannot guarantee there will be no errors or variations (for example, in colour, dimensions, or packaging).

8. Intellectual Property

All content on the Website, including text, graphics, logos, images, and design, is owned or licensed by Pennywatchers and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or exploit any content without our prior written permission.

9. Prohibited Use

You agree not to misuse our Website or Services. Prohibited uses include:

  • Illegal, fraudulent, or harmful activity.

  • Uploading viruses, spam, or malicious code.

  • Copying or scraping content for resale or distribution.

  • Harassing, threatening, or abusing others.

We reserve the right to suspend or terminate your access if you breach these Terms.

10. Third-Party Services

Our Website may include links to third-party websites or tools. We are not responsible for the content, policies, or practices of third parties. Use them at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law:

  • Pennywatchers will not be liable for any indirect, incidental, or consequential losses (including lost profits, lost savings, or data loss).

  • Our liability for direct losses will not exceed the total price of the order in question.

  • Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any rights you are entitled to under UK consumer law.

12. Governing Law

These Terms are governed by the laws of England and Wales & EU. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We may update these Terms from time to time. The most recent version will always be published on this page. Your continued use of our Website constitutes acceptance of any changes.

14. Contact Information

Pennywatchers

United Kingdom: Benwell Road, London N7 7BW

Sweden: Onologgatan 3, Stockholm, Sweden 11757

Email: support@pennywatchers.net