Terms & Conditions

These Terms apply to every quotation we give and every job we carry out, including joinery supplied under the name Yasmeen Joinery, property maintenance, repairs and call outs. When you accept our Quotation, you agree to these Terms. Please read them carefully, in particular the key terms summarised below.

Key Terms to Note

• Payment. Deposits, stage payments and payment periods are set out in each Quotation. Interest is charged on late payment (clause 6).
• Price. The Price covers the Works described in the Quotation only. Changes you ask for, extra work and hidden problems found once work starts are charged in addition (clauses 4, 7 and 8).
• Consents. Unless the Quotation says we will obtain them, you are responsible for planning permission, listed building consent, your freeholder's or landlord's consent (including any licence to alter), building management approvals and party wall matters (clause 9).
• Dates. Start and completion dates are estimates. If you are a Consumer, we will complete the Works within a reasonable time. We only accept a fixed completion date, or damages for delay, if a Director agrees it in writing (clause 14).
• Guarantee. Our workmanship is guaranteed for 12 months from Completion, subject to the exclusions in clause 15.
• Liability. Our total liability is limited, and Business Clients cannot claim from us for loss of rent, loss or delay of a sale, alternative accommodation or other indirect losses (clause 18).
• Cancellation. If you are a Consumer you may cancel within 14 days. If you ask us to start within that period and then cancel, you must pay for the work done up to the date you cancel (clause 5).
• Ending the Contract. If you end the Contract early, you must pay for work done, materials ordered and our losses, including loss of profit, capped at 10% of the remaining work for Consumers (clause 17.5).
• Completion. If you do not inspect within 5 Working Days of our notice, or you move in, let, sell or use the Works, Completion is treated as having taken place (clause 14.8).
• Business Clients. Our liability is limited to our fair share where others are also responsible, claims must be brought within 6 years of Completion, and a fee is payable if you engage our team directly (clauses 9.12, 18.5 and 18.7).
• Ownership and suspension. Materials remain ours until paid for (clause 13) and we may suspend work if payment is not made (clause 17).
• If you are a Consumer, nothing in these Terms affects your statutory rights.

1. About Us

1.1 Who we are. We are Yasmeen Property Services Limited, a company registered in England and Wales under company number 12525446, trading as YPS and as Yasmeen Joinery. Our address is Unit 16, Office 2, Oliver Business Park, Oliver Road, London NW10 7JB. Our VAT number is 345630701.

1.2 How to contact us. You can contact us by telephone on 020 3983 6018, by email at [email protected] or by post to the address above.

1.3 Other Yasmeen businesses. These Terms apply only to services provided by Yasmeen Property Services Limited. Estate agency, lettings and property management services provided by Yasmeen Residential are supplied under their own terms.

2. Definitions & Interpretation

2.1 In these Terms the following words have these meanings:

1. (a) "we", "us", "our" and "YPS" mean Yasmeen Property Services Limited;
2. (b) "you", "your" and "Client" mean the person, company or organisation named in the Quotation who accepts it, and where more than one person is named, each of them;
3. (c) "Consumer" means an individual acting for purposes wholly or mainly outside their trade, business, craft or profession;
4. (d) "Business Client" means any Client who is not a Consumer. If you contract through a company, limited liability partnership or other organisation, you are a Business Client. An individual may also be a Business Client where they are acting for the purposes of a business, for example property development or resale;
5. (e) "Contract" means the contract between you and us formed under clause 3, made up of the Quotation and these Terms;
6. (f) "Quotation" means our written quotation, proposal or estimate for the Works, including any specification, drawings, schedules and special conditions it refers to or attaches;
7. (g) "Works" means the work, services and goods described in the Quotation, as changed by any Variation;
8. (h) "Price" means the total price for the Works shown in the Quotation, as adjusted under these Terms;
9. (i) "Property" means the property at which the Works are carried out or to which goods are delivered;
10. (j) "Variation" means any addition to, omission from or change to the Works, or to the order, timing, access or working conditions under which they are carried out;
11. (k) "Completion" has the meaning given in clause 14.6;
12. (l) "Provisional Sum" means an allowance in the Quotation for work that cannot yet be fully defined, and "Prime Cost Sum" means an allowance in the Quotation for goods or materials that have not yet been chosen;
13. (m) "Representative" means a person you appoint under clause 10.1;
14. (n) "Working Day" means Monday to Friday, excluding bank holidays in England; and
15. (o) "in writing" includes email and messages sent by WhatsApp or a similar messaging service, except where a clause requires a formal notice under clause 23.2.

2.2 Headings are for convenience only and do not affect the meaning of these Terms. The words "including" and "include" mean including without limitation. A reference to any law includes that law as amended or replaced from time to time.

3. How the Contract Is Made

3.1 Scope of these Terms. These Terms apply to all Quotations we give and to all work, services and goods we supply, including design and build, refurbishment, fit out, building works, joinery, property maintenance, repairs and call outs.

3.2 Acceptance. The Contract is made when you accept the Quotation by any of the following: signing it; confirming acceptance in writing, including by email, message or electronic signature; paying the deposit or any invoice we issue under it; or allowing us to start the Works. However you accept, you accept these Terms.

3.3 Which version applies. These Terms are published on our website at www.ypslondon.com/terms and every Quotation refers to them. The version that applies to your Contract is the version published on the date of the Quotation. Each version shows its version number and effective date. We keep copies of earlier versions and will send you a copy of the version that applies to your Contract on request. Any later change to these Terms does not apply to your Contract unless you agree to it in writing.

3.4 Keeping a copy. You can read, download and save these Terms, including the cancellation information in Schedule 1, from our website at any time, and we will email you a copy on request.

3.5 Order of priority. If there is any conflict between the documents forming the Contract, the following order applies: first, any special conditions written into the Quotation; second, the rest of the Quotation; third, these Terms.

3.6 Your own terms do not apply. Any terms in your purchase order, letter of appointment, email or other document do not form part of the Contract unless a Director of YPS has agreed to them in writing. None of our employees, site staff or subcontractors has authority to change these Terms or to make promises on our behalf that are not in the Quotation. If you are a Consumer, this does not affect any statement that is binding on us under section 50 of the Consumer Rights Act 2015.

3.7 Authority to contract. By accepting the Quotation you confirm that you own the Property or have the owner's authority for the Works to be carried out, and that you are entitled to enter into the Contract. If you accept on behalf of a company, another person or any organisation, you confirm that you have authority to do so. If you do not have that authority, you will be personally liable to us as if you were the Client.

3.8 More than one Client. Where the Client is more than one person, each of them is responsible for all obligations under the Contract, both jointly and individually, and we may take instructions from any of them.

3.9 Our right to decline. We may decline any enquiry or request for work without giving a reason at any time before the Contract is made.

4. Quotations & Prices

4.1 Validity. A Quotation is valid for 14 days from the date it is issued unless it states otherwise. We may withdraw or revise a Quotation at any time before it is accepted.

4.2 Basis of the Quotation. The Quotation is based on our inspection of the visible condition of the Property, the information, drawings and measurements given to us by you or your consultants, and the access and working conditions we saw or were told about. If any of that information is inaccurate or incomplete, or those conditions change, we may adjust the Price and the programme to reflect the effect.

4.3 Fixed price for the agreed scope. The Price is fixed for the Works described in the Quotation. It will only change as these Terms allow, namely for Variations (clause 7), hidden problems and existing defects (clause 8), the adjustment of Provisional Sums and Prime Cost Sums (clause 4.6), delay or disruption caused by you or matters you are responsible for (clause 14.4), and repricing under clause 4.7. Our website and marketing describe our services in general terms. What we have agreed to do for you, and for what Price, is set out in the Quotation and these Terms. If you are a Consumer, this does not affect any statement that is binding on us under section 50 of the Consumer Rights Act 2015.

4.4 What is not included. Anything not expressly included in the Quotation is excluded. Unless the Quotation says otherwise, the Price does not include: fees of architects, structural engineers, party wall surveyors and other consultants; planning, building control and other local authority fees; fees and costs charged by freeholders, landlords and managing agents, including for any licence to alter; parking permits and parking bay suspensions; asbestos surveys, testing and removal; specialist or deep cleaning; furniture, appliances, loose items and soft furnishings; and any work outside the boundaries of the Property or the areas described in the Quotation.

4.5 Estimates and indications. A budget figure, estimate or price given verbally, by message or in any form other than a written Quotation is an indication only and is not a fixed price.

4.6 Provisional Sums and Prime Cost Sums. Provisional Sums and Prime Cost Sums are allowances only. When the work is defined or the item is chosen, the allowance will be replaced by the actual cost to us, plus the percentage for overheads and profit stated in the Quotation or, if none is stated, 15%. Any difference will be added to or deducted from the Price.

4.7 Repricing. If the Works do not start within 3 months of the date you accept the Quotation for a reason that is not our fault, or the Works are suspended at your request for more than 30 days, we may adjust the Price to reflect documented increases in the cost of labour and materials since the date of the Quotation. We will give you written details of any adjustment. If you are a Consumer and the adjustment increases the Price by more than 5%, you may end the Contract by notice in writing within 10 Working Days of receiving our details, and you will only have to pay the amounts in clause 17.5(a) to 17.5(d).

4.8 VAT. Prices given to Consumers include VAT at the rate applying on the date of the Quotation. Prices given to Business Clients exclude VAT unless stated otherwise, and VAT will be added at the applicable rate. If the rate of VAT changes, the Price will be adjusted to reflect the change for any work invoiced after the change takes effect. If we apply a reduced or zero rate of VAT, or the domestic reverse charge, because of information, a certificate or a declaration you give us, and that information is incorrect, you must pay us the additional VAT together with any interest and penalties charged to us as a result.

4.9 Construction Industry Scheme. If you are a contractor under the Construction Industry Scheme, you may only make deductions from our payments as required by that scheme, and you must give us a payment and deduction statement for each deduction.

5. Your Right to Cancel If You Are a Consumer

5.1 Cancellation period. If you are a Consumer and the Contract was made at the Property or anywhere away from our business premises, or at a distance (for example by email, telephone or online), you have the right to cancel the Contract within 14 days after the day the Contract is made, without giving any reason. This right comes from the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Where we supply goods only, without carrying out any work, the 14 days start on the day the goods are delivered to you.

5.2 How to cancel. To cancel, you must tell us clearly in writing before the cancellation period ends, by email to [email protected] or by post to our address. You may use the model cancellation form in Schedule 1, but you do not have to.

5.3 Starting within the cancellation period. We will not start the Works during the cancellation period unless you expressly ask us to in writing. If you ask us to start and you then cancel within the cancellation period, you must pay us an amount in proportion to the work carried out up to the time you tell us you are cancelling, compared with the full scope of the Contract.

5.4 When the right to cancel is lost. If, at your express request, we fully complete the Works within the cancellation period, you will lose the right to cancel once the Works are complete. You also have no right to cancel the supply of goods made to your specification or clearly personalised, such as bespoke joinery or made to measure items, once we have started making or ordering them at your express request, and no right to cancel urgent repairs or maintenance where you specifically asked us to visit to carry them out.

5.5 Refunds. If you cancel, we will refund any money you have paid within 14 days after the day you tell us, less any amount you must pay under clause 5.3. We will use the same payment method you used unless we agree otherwise.

5.6 After the cancellation period. After the cancellation period has ended, you may still end the Contract under clause 17.4, but the payments set out in clause 17.5 will apply.

6. Payment

6.1 Payment terms. The deposit, any payment for special order items, the stage payments and the period for paying each invoice are set out in the Quotation. We are not obliged to book the Works, order materials or start work until any deposit stated in the Quotation has been received in cleared funds.

6.2 When payment is due. Each invoice becomes due on the date it is issued. You must pay it in full, in cleared funds, by the date stated in the Quotation, or if no period is stated, within 7 days of the date of the invoice. That date is the final date for payment.

6.3 Invoice queries. If you believe an invoice is incorrect, please tell us in writing within 7 days of receiving it, giving your reasons, and pay any part you do not dispute by the final date for payment. We will deal with any query promptly. If you are a Consumer, raising a query later does not affect your legal rights, but early notice helps us resolve problems quickly.

6.4 Construction Act payment notices. Where the Housing Grants, Construction and Regeneration Act 1996 applies to the Contract:

1. (a) each invoice we issue is our payment notice and states the sum we consider due and the basis on which it is calculated;
2. (b) the due date for payment is the date of the invoice and the final date for payment is the date set under clause 6.2;
3. (c) if you intend to pay less than the sum stated in our invoice, you must give us a pay less notice no later than 2 days before the final date for payment, stating the sum you consider due and the basis on which it is calculated;
4. (d) if you do not give a valid pay less notice, you must pay the sum stated in our invoice in full by the final date for payment; and
5. (e) if any provision of these Terms does not comply with that Act, the relevant provisions of the Scheme for Construction Contracts (England and Wales) Regulations 1998 will apply only to replace that provision.

6.5 No retention or set off for Business Clients. Business Clients may not hold back any retention or set off against any sum due to us any amount they claim we owe them, except to the extent stated in a valid pay less notice or required by law.

6.6 How to pay. Payment must be made by bank transfer to the account shown on our invoice, in pounds sterling, quoting the invoice number. Bank charges and currency conversion costs are your responsibility, and we must receive the full invoiced amount. We do not accept payment in cash unless a Director has agreed in writing.

6.7 Protecting you from payment fraud. We will never change our bank details by email or message alone. Before making your first payment, and if you receive any message saying our bank details have changed, you must call us on 020 3983 6018 to confirm the details. We are not responsible for money sent to an account that is not ours as a result of fraud or interception that we did not cause, and any such payment will not reduce the amount you owe us.

6.8 Payments from others. If anyone else pays on your behalf, you remain responsible for payment. We may ask for proof of identity, the identity of the payer and the source of funds, and we may refuse a payment from a person or account we cannot verify.

6.9 Late payment by Business Clients. If a Business Client does not pay any sum by the final date for payment, we are entitled to statutory interest and fixed compensation under the Late Payment of Commercial Debts (Interest) Act 1998, together with our reasonable costs of recovering the debt.

6.10 Late payment by Consumers. If a Consumer does not pay any sum by the final date for payment, we may charge interest on the overdue amount at 4% a year above the Bank of England base rate, calculated daily from the final date for payment until payment is received, together with our reasonable costs of recovering the debt to the extent the law allows.

6.11 Security for payment. If you are a company or other organisation, we may require a guarantee from a director or shareholder, or payment in advance, before we start or continue the Works.

6.12 Handover documents. Our guarantee, manufacturers' warranties that we register or hold for you, operation and maintenance information and any certificates we are not legally required to issue will be released once all sums due under the Contract have been paid. Any notification or certificate that the law requires us to make or issue will be made or issued whether or not payment has been received.

7. Variations & Additional Work

7.1 Requesting a Variation. You may ask us to carry out a Variation at any time. We are not obliged to carry out a Variation that we reasonably consider unsafe, unlawful, not compliant with the Building Regulations, outside our expertise, or that would substantially change the nature or scale of the Works.

7.2 Agreeing the price. Before carrying out a Variation we will, wherever practicable, confirm in writing its price and any effect on the programme. We will carry out the Variation once you confirm in writing that you want us to proceed. Confirmation by message is enough.

7.3 Variations without an agreed price. If you ask us to carry out a Variation before its price is agreed, or ask for work urgently, or give instructions directly to our staff or subcontractors on site, you must pay a fair and reasonable price for it. That price will be calculated using the rates in the Quotation where they apply or, where they do not, at our daywork rates, being our current day rates for labour plus the cost of materials and plant plus 15%.

7.4 Who can instruct. Instructions given by your Representative, or by any architect, designer, project manager or other person you have appointed to act for you in relation to the Works, are treated as your instructions.

7.5 Omissions. If you ask us to omit work, we will deduct the value of the omitted work from the Price, less any costs we have already incurred or committed in relation to it. For Business Clients we may also retain a reasonable sum for overheads and profit on the omitted work.

7.6 Changes required by others. Any change required by building control, a fire officer, a freeholder, landlord or managing agent, a party wall surveyor or any other authority that is not shown in the Quotation is a Variation, unless it is required because our work was defective.

7.7 Time. Any Variation entitles us to a reasonable extension of time for completing the Works.

8. Hidden Problems & Existing Defects

8.1 What we can see. The Price is based on the visible condition of the Property at the time of our inspection. We cannot see behind walls, floors, ceilings or coverings, or inside the structure, services or drainage, without opening them up. Unless the Quotation says otherwise, we have not carried out any intrusive investigation or survey.

8.2 Unforeseen conditions. If we discover conditions that we could not reasonably have foreseen from our inspection, including structural defects, rot, damp, woodworm, subsidence, defective or unsafe electrics, plumbing, gas, heating or drainage, previous work that does not comply with regulations, hidden services, contamination, asbestos or other hazardous materials, we will tell you as soon as reasonably practicable. Any additional work, delay or cost resulting from those conditions will be treated as a Variation.

8.3 Making safe. Where immediate work is needed to make the Property safe or to prevent damage, we may carry out that work without your prior approval. We will tell you promptly and you will pay a reasonable charge for it.

8.4 Asbestos. If the Property was built before the year 2000, you must give us any asbestos survey or register you hold before work starts. For refurbishment work we may require a refurbishment and demolition asbestos survey to be carried out at your cost before we start. If we suspect asbestos at any time, we will stop work in the affected area until it has been tested. The cost of surveys, testing and any licensed removal, and the resulting delay, are your responsibility. We are not responsible for the presence of asbestos or any other hazardous material at the Property.

8.5 Existing defects. We are not responsible for defects in the existing structure, services, finishes or fittings of the Property, or in work carried out by others, or for the consequences of those defects, unless we caused them or the Quotation includes their repair. Where new work connects to existing services, we will test what we install, but we do not guarantee the existing installation.

8.6 Fragile existing materials. Existing materials such as old tiles, cornicing, plaster, fixtures and pipework can break or fail when disturbed, however carefully they are handled. We will take reasonable care, but we are not responsible for damage to existing materials that are fragile, deteriorated or cannot reasonably be removed or worked around without damage, unless the damage was caused by our negligence.

9. Your Responsibilities

9.1 Consents and approvals. Unless the Quotation expressly says we will obtain them, you are responsible for obtaining, paying for and complying with:

1. (a) planning permission and listed building consent;
2. (b) the consent of any freeholder or landlord, including any licence to alter, and approval from the building's management or managing agent, and compliance with any building rules;
3. (c) party wall notices, agreements and awards;
4. (d) any other consent needed from neighbours, a management company or any other person;
5. (e) parking permits and parking bay suspensions; and
6. (f) where the Property is in a higher risk building, any approval required from the Building Safety Regulator.

You confirm that the Works will not breach your lease, your title, any restrictive covenant or any planning condition. If we arrange any consent on your behalf, we do so as your agent, the consent will be in your name and its fees are payable by you.

9.2 Building Regulations and dutyholders. Where the Quotation includes building control applications or notifications for the Works we carry out, we will make them, and the fees are payable by you unless included in the Price. If you are a domestic client, we will carry out your client duties under Part 2A of the Building Regulations 2010 and the Construction (Design and Management) Regulations 2015 where we are the only contractor or the principal contractor, unless you agree in writing that the principal designer will do so. If you are not a domestic client, you are responsible for your duties as client under those regulations, including appointing a principal designer and a principal contractor where required. We will act as principal contractor or principal designer only where the Quotation says so.

9.3 Information. You must give us all information you have that is relevant to the Works, including surveys, drawings, previous certificates, details of any known defects and any health and safety information. You are responsible for the accuracy of information, drawings and measurements provided by you or your consultants.

9.4 Access and working hours. You must give us, our subcontractors and our suppliers safe and clear access to the Property and the working areas at the agreed times. Unless agreed otherwise, our normal working hours are 8.00am to 6.00pm Monday to Friday and 8.00am to 1.00pm on Saturday, subject to any stricter local authority or building rules. If access is not available as agreed, we may charge for lost time at our day rates and any other costs caused, and the programme will be extended.

9.5 Utilities and welfare. You must provide, free of charge, a supply of water and electricity, and use of a toilet and hand washing facilities for our workers. If these are not available, we will provide temporary facilities at your cost.

9.6 Parking. You must provide parking, or permits for parking near the Property, for the duration of the Works. Where we know at the time of the Quotation that parking costs will arise, we will include them in the Price. Otherwise, if you do not provide parking, the cost of permits, bay suspensions and parking charges will be added to the Price.

9.7 Clearing the working areas. Before work starts you must remove furniture, personal belongings, valuables, artwork and fragile items from the working areas and any routes we need to use. If we move items at your request, we do so at your risk unless we are negligent.

9.8 Occupied properties. If you, your family, tenants, guests or anyone else occupy the Property during the Works, you are responsible for keeping them, and in particular children and pets, out of the working areas. Any extra time or cost caused by working around occupiers that is not allowed for in the Quotation will be treated as a Variation.

9.9 Decisions and approvals. You must make selections, approve samples and drawings, and answer our questions promptly and by the dates we reasonably request, normally within 3 Working Days. Late decisions will extend the programme and any resulting costs will be payable by you.

9.10 Insurance. Unless the Quotation says otherwise, you must insure the existing structure of the Property, its contents and the Works as they are carried out against the usual risks, including fire, flood, escape of water, storm and theft, throughout the Works and after Completion. You must tell your insurers that building work is taking place, as failing to do so may affect your cover. We insure our own tools, plant and equipment and hold the insurance described in clause 18.9. This clause does not affect our liability for loss or damage caused by our negligence.

9.11 Other contractors. If you employ other contractors or tradespeople at the Property while the Works are being carried out, you are responsible for coordinating them and for their work. We are not responsible for their delays, defects or any damage they cause, and any cost or delay they cause us will be treated as a Variation.

9.12 Dealing directly with our team. You must not instruct, pay or engage any of our employees or subcontractors to carry out work at the Property other than through us while the Contract is in progress. We are not responsible for any work carried out under a private arrangement. If you are a Business Client and you engage any individual who worked on the Works, directly or through another business, while the Contract is in progress or within 6 months after Completion, you must pay us a fee of £5,000 for each individual engaged, which reflects the cost to us of recruiting, training and replacing that person.

9.13 Respect for our team. Our staff and subcontractors are entitled to work in a safe environment free from abuse, threats and harassment. We may withdraw from the Property, and may end the Contract under clause 17.2, if that is not the case.

9.14 Neighbours. You are responsible for your relationship with your neighbours and for any obligations owed to them, including under the Party Wall etc. Act 1996. We will carry out the Works considerately and keep noise and disruption to a reasonable level.

10. Clients Who Are Overseas or Not at the Property

10.1 Your Representative. If you live outside the United Kingdom or will not regularly be at the Property, you must appoint a Representative and tell us their name and contact details in writing. Your Representative will have authority to give instructions, approve Variations, receive notices, provide access and agree Completion on your behalf. We may rely on your Representative's instructions until you tell us in writing that their authority has ended.

10.2 Remote approvals. We will send you photographs, videos, samples, specifications and requests for decisions by email or message. Any approval or instruction you or your Representative give in writing binds you in the same way as if it had been given in person at the Property.

10.3 No response. If we do not receive a response to a request for a decision within 5 Working Days, we may either proceed with the item as described in the Quotation, or as proposed in our request where the choice does not change the Price, or extend the programme and charge any resulting costs. We will not carry out any Variation that increases the Price without your written approval, except where clause 8.3 applies.

10.4 Keys and security. You must provide keys, access codes and alarm details we need. We will take reasonable care of them and will secure the Property at the end of each working day. Unless the Quotation includes security, we are not responsible for the security of the Property at times when we are not working there.

10.5 Selling or letting. If you intend to sell or let the Property after the Works, please tell us your target dates so we can plan the Works. Those dates do not become fixed completion dates unless clause 14.2 applies, and clause 18 applies to any loss connected with a sale or letting.

10.6 Funds from abroad. Payments must be made in pounds sterling in accordance with clause 6.6. We may ask for proof of identity and source of funds and may delay starting or continuing the Works until we have received what we reasonably need.

11. Our Responsibilities

11.1 Standard of work. We will carry out the Works with reasonable care and skill, in a good and workmanlike manner, using materials of satisfactory quality, in accordance with the Quotation and in compliance with the Building Regulations as they apply to the Works we carry out.

11.2 Our team. We will use competent and suitably qualified people. Gas work will be carried out by Gas Safe registered engineers, and notifiable electrical work by electricians registered with a competent person scheme.

11.3 Subcontractors. We may subcontract any part of the Works. We remain responsible to you for work carried out by our subcontractors.

11.4 Protection and cleaning. We will take reasonable steps to protect floors, finishes and items remaining in or next to the working areas. Some dust outside the working areas is unavoidable in building work. We will leave the working areas broom clean at the end of the Works. A professional or deep clean is not included unless stated in the Quotation.

11.5 Waste. We will remove waste produced by the Works and dispose of it lawfully. Removing your existing furniture or belongings, and removing hazardous waste such as asbestos or chemicals, is not included unless stated in the Quotation.

11.6 Health and safety. We will comply with health and safety law in carrying out the Works and with any reasonable site or building rules you give us in writing before work starts.

12. Design, Samples & Natural Materials

12.1 Design responsibility. We are responsible for design only to the extent the Quotation expressly says the Works include design, for example where we provide a design and build service. In all other cases, the design is your responsibility or that of your consultants, and we are only responsible for building the Works in accordance with that design with reasonable care and skill. We do not check the design of others for adequacy, but we will tell you about any obvious error we notice.

12.2 Our design. Where we provide design, we will do so with the reasonable skill and care of a competent designer. For Business Clients, we do not give any warranty that our design will be fit for any particular purpose.

12.3 Drawings and visuals. Drawings, visuals, renders and images are illustrative only. The finished Works may differ slightly in appearance. Dimensions measured on site take priority over scaled drawings.

12.4 Natural materials. Stone, marble, timber, handmade tiles and other natural or handcrafted materials naturally vary in colour, grain, veining and texture, and timber can move with changes in humidity. These are characteristics of the material and are not defects. Samples are indicative only and different batches can vary. We recommend keeping spare material for future repairs.

12.5 Tolerances and existing buildings. Work will be carried out within normal industry tolerances. Walls, floors and ceilings in existing buildings are rarely completely straight, level or square. Unless the Quotation includes levelling or straightening, new finishes will follow the existing surfaces.

12.6 Substitutions. If a specified item is unavailable, delayed or discontinued, we may substitute an item of equal or better quality after telling you. Where the substitute would materially change the appearance or function, we will obtain your approval first.

12.7 Drying and settlement. New plaster, screeds and timber dry out and settle after the Works. Hairline cracks, minor movement at joints and slight gaps at sealant lines arising from this process are normal and are not defects.

13. Materials, Client Supplied Items, Ownership & Risk

13.1 Lead times. Delivery dates and lead times for materials are our suppliers' estimates and are not guaranteed.

13.2 Items you supply. If you supply any materials, fixtures, fittings, appliances or sanitaryware, you are responsible for their specification, quantity, compatibility, quality and fitness for purpose, and for their delivery to the Property complete, undamaged and on time. We will install them with reasonable care and skill, but we are not responsible for any defect in the items themselves, and any delay or cost caused by items that are late, incorrect, incomplete or damaged will be treated as a Variation. Our guarantee covers our installation workmanship only. We may refuse to install any item we reasonably consider to be unsuitable, unsafe or not compliant with regulations.

13.3 Storage. If you ask us to delay delivery or installation, or items you supply arrive before they are needed, we may charge for reasonable storage and handling.

13.4 Ownership. Materials and goods we supply remain our property until they have been paid for in full and, for Business Clients, until all sums due under the Contract have been paid. Until then, Business Clients must keep unfixed goods separate and identifiable and must not sell, charge or dispose of them, and we may enter the Property during normal working hours to recover them. If you are a Consumer and you do not pay for unfixed goods we have supplied, we may recover them with your consent or with a court order. Once materials are permanently fixed to the Property, ownership passes to the owner of the Property as the law provides, but this does not affect your obligation to pay for them.

13.5 Risk. Risk of loss or damage to materials and goods passes to you when they are delivered to the Property, except where loss or damage is caused by us or our subcontractors. If you are a Consumer, risk passes when goods come into the physical possession of you or a person you nominate, other than us or our carrier.

13.6 Surplus materials. Surplus materials bought specifically for your Works and paid for by you will be left at the Property unless you ask us to remove them. All other surplus materials, and our tools, plant and equipment, remain ours.

13.7 Supply only orders. Where we supply goods, such as joinery, without installing them, delivery is to the Property entrance at ground floor level unless agreed otherwise. Please check the goods on delivery and tell us of any visible damage or shortage within 48 hours, so that we can claim from the carrier. If you are a Consumer, this does not affect your statutory rights.

14. Programme, Delays & Completion

14.1 Dates are estimates. Start dates, completion dates and programmes given in the Quotation or otherwise are estimates based on the information available at the time. We will use reasonable endeavours to meet them and will keep you informed of progress. If you are a Consumer, we will complete the Works within a reasonable time.

14.2 Fixed dates. We are only bound by a fixed completion date if it is expressly agreed in writing and signed by a Director of YPS. Any agreement to pay damages for delay must also be expressly agreed in this way and state the rate. Where damages for delay have been agreed, they are your only remedy for delay and are limited to 5% of the Price in total unless the agreement says otherwise.

14.3 Extensions of time. We are entitled to a reasonable extension of time for any delay caused by:

1. (a) Variations;
2. (b) hidden problems or existing defects under clause 8;
3. (c) any act or omission of you, your Representative, your consultants, your other contractors, occupiers of the Property, or any freeholder, landlord or managing agent;
4. (d) late decisions, information, approvals, payments or access;
5. (e) items you supply under clause 13.2;
6. (f) consents or approvals not obtained in time, including any approval required from the Building Safety Regulator, unless obtaining them is our responsibility under the Quotation;
7. (g) suspension of the Works under clause 17.1 or at your request;
8. (h) shortages or delays of labour, materials or goods outside our reasonable control;
9. (i) exceptionally adverse weather; and
10. (j) events outside our control under clause 22, or instructions of any public authority.

14.4 Costs of delay. Where a delay or disruption is caused by any of the matters in clauses 14.3(a) to 14.3(g), you must pay our resulting additional costs, including standing time at our day rates, extended hire of plant and scaffolding, and the costs of leaving and returning to site.

14.5 Pausing at your request. If you ask us to stop or postpone the Works for more than 10 Working Days, we may invoice for all work done and materials ordered to that date and charge for leaving and returning to site. We will restart at the next available opportunity in our programme, which may not be immediately.

14.6 Completion. Completion takes place when the Works are finished apart from minor defects or omissions that do not prevent the Property being used for its intended purpose. We will tell you when we consider Completion has taken place.

14.7 Snagging. You must inspect the Works with us within 5 Working Days of our notice under clause 14.6 and give us a single written list of any defects or omissions. We will put right the items on that list that are our responsibility within a reasonable time. Snagging items do not delay Completion or the final payment, except that Consumers may withhold an amount that reasonably reflects the cost of putting right the listed items until they are put right, and Business Clients may withhold only in accordance with a valid pay less notice.

14.8 Deemed Completion. If you do not inspect or respond within 5 Working Days of our notice under clause 14.6, or if you occupy, let, sell or use the Works before then, Completion will be treated as having taken place on the earlier of those events.

14.9 After Completion. From Completion you are responsible for the security, insurance and maintenance of the Property and the Works.

15. Guarantee & Defects

15.1 Our guarantee. We guarantee our workmanship for 12 months from Completion, or for any longer period stated in the Quotation or required by a scheme we are registered with for that type of work. During that period we will put right, free of charge, any defect caused by faulty workmanship that you report to us.

15.2 Materials and products. We will pass on to you the benefit of all manufacturers' and suppliers' guarantees and warranties for materials and products we supply, and we will help you make any claim under them. If you are a Consumer, this is in addition to your statutory rights in relation to goods we supply.

15.3 Reporting defects. You must tell us in writing as soon as reasonably practicable after you discover a defect, with photographs where possible, and take reasonable steps to prevent further damage, such as turning off the water supply. We are not responsible for any additional damage caused by an unreasonable delay in telling us.

15.4 Our right to return. You must give us a reasonable opportunity to inspect and put right any defect. If you arrange for someone else to repair a defect without first giving us that opportunity, other than emergency work to make safe, we will not be liable for the cost of that repair beyond what it would have cost us to carry it out ourselves.

15.5 What the guarantee does not cover. Our guarantee does not cover:

1. (a) fair wear and tear;
2. (b) misuse, neglect, accidental damage or lack of routine maintenance, such as renewing sealant, sealing grout, cleaning extractor fans, clearing gutters and drains, and servicing boilers and air conditioning;
3. (c) alterations or repairs carried out by anyone other than us;
4. (d) items you supplied and any design not provided by us;
5. (e) the existing structure, services and fittings that we did not install;
6. (f) shrinkage, drying cracks, natural movement and settlement described in clause 12.7, and the natural characteristics of materials described in clause 12.4;
7. (g) condensation or mould caused by the way the Property is used, heated or ventilated;
8. (h) damage caused by flood, fire, storm, frost, pests or third parties;
9. (i) blockages in drains, unless caused by our workmanship, and any part of a drainage system we did not install;
10. (j) failure to follow manufacturers' instructions or our aftercare guidance; and
11. (k) Works for which a payment is overdue, other than any amount you are entitled to withhold under clause 14.7 or by law.

15.6 Your statutory rights. If you are a Consumer, our guarantee is in addition to your statutory rights and does not affect them. In summary, the law requires us to carry out services with reasonable care and skill and to supply goods that are as described, of satisfactory quality and fit for purpose. If we do not, you are entitled to ask us to put the work right or, if that is not possible or not done within a reasonable time, to a reduction in price. For goods, you may also be entitled to reject them within 30 days, or to a repair, replacement or refund.

15.7 If you sell the Property. If you sell the Property during the guarantee period, the guarantee will transfer to the new owner, provided you tell us in writing and all sums due under the Contract have been paid. We do not give collateral warranties, third party rights or letters of reliance to buyers, tenants, lenders or anyone else unless we have agreed to do so in writing, and we may charge for them.

16. Call Outs, Maintenance & Safety Certificates

16.1 Charges. Call outs, repairs and small works are charged at our current rates, including any call out charge, hourly or day rate, minimum charge and out of hours, weekend and bank holiday rates, which we will tell you when you book, plus materials. Payment is due on completion of the visit unless we have agreed an account with you.

16.2 Emergency attendance. Emergency attendance is to make the Property safe and prevent further damage. A permanent repair may need a further visit and a separate Quotation. Response times we give are targets and are not guaranteed.

16.3 Fault finding. Time spent finding the cause of a fault is chargeable, even where the fault cannot be fixed on the same visit or is outside our control.

16.4 Maintenance agreements. Planned maintenance agreements will set out the scope, frequency and fees. Unless the agreement says otherwise, either party may end it by giving 30 days' notice in writing, and fees for the current period remain payable.

16.5 Safety certificates and inspections. Gas safety records, electrical installation condition reports, portable appliance tests, fire alarm and emergency lighting tests and similar inspections record the condition of the items inspected at the time of inspection. They are not a guarantee of their condition afterwards, or of any item that was not accessible. Your legal duties as a landlord or building owner, including renewal dates, giving copies to tenants and carrying out remedial work, remain your responsibility unless we have agreed otherwise in writing. Remedial work identified during an inspection is not included unless we quote for it.

16.6 Tenanted properties. You are responsible for arranging access with tenants and giving them any notice required. A visit that cannot go ahead because access is not available will be charged.

16.7 Booking a visit as a Consumer. If you are a Consumer and you book a visit that is not an urgent repair, the cancellation information in Schedule 1 applies. If you ask us to attend within the 14 day cancellation period, we will ask you to confirm that request in writing, and clause 5.3 will apply.

17. Suspension & Ending the Contract

17.1 Suspension for non payment. If any sum is not paid in full by the final date for payment, we may suspend all or part of the Works by giving you at least 7 days' notice in writing of our intention to suspend and the grounds for doing so. The suspension may continue until payment is made in full. We are entitled to an extension of time and to our costs of suspension and of leaving and returning to site.

17.2 Our right to end the Contract. We may end the Contract immediately by notice in writing if:

1. (a) you do not pay any sum due within 14 days after we have given you notice in writing that it is overdue;
2. (b) you commit any other material breach of the Contract and do not put it right within 10 Working Days of our notice asking you to do so;
3. (c) we are prevented from accessing the Property for more than 20 Working Days in total, other than as agreed with us;
4. (d) you, your Representative or any occupier of the Property is abusive, threatening or discriminatory towards our staff or subcontractors, or makes the Property unsafe to work in;
5. (e) you ask us to do anything unlawful or unsafe or that does not comply with regulations, and do not withdraw the request when asked;
6. (f) asbestos or another hazardous material is found and you do not arrange its removal within a reasonable time;
7. (g) you do not provide the information about identity or source of funds we reasonably request, or we have reasonable grounds to suspect that funds used to pay us come from an unlawful source;
8. (h) subject to section 233B of the Insolvency Act 1986, you become insolvent, enter into any arrangement with your creditors, have a receiver, administrator or liquidator appointed, or are made bankrupt; or
9. (i) an event outside our control under clause 22 continues for more than 60 days.

17.3 Business Clients ending the Contract. A Business Client may end the Contract by notice in writing if we commit a material breach and do not put it right within 20 Working Days of notice asking us to do so, or for any other reason by giving us 10 Working Days' notice in writing, in which case clause 17.5 applies.

17.4 Consumers ending the Contract. After the cancellation period in clause 5, a Consumer may end the Contract at any time by notice in writing, in which case clause 17.5 applies. You may also end the Contract if we commit a material breach and do not put it right within a reasonable time after you ask us to.

17.5 What you must pay. If the Contract ends for any reason other than our breach, you must pay us:

1. (a) the value of all work carried out up to the date the Contract ends, at the rates in the Quotation;
2. (b) the cost of materials and goods ordered, delivered or in production that cannot be cancelled or returned, together with any cancellation or restocking charges made by our suppliers and a handling charge of 10% of those charges;
3. (c) our reasonable costs of leaving the site and removing our plant and equipment;
4. (d) amounts we have committed to pay our subcontractors that cannot be cancelled; and
5. (e) for Business Clients, our loss of profit on the remainder of the Works, and for Consumers, our reasonable losses, which may include loss of profit but will not exceed 10% of the price of the Works not carried out.

Any deposit and payments already made will be set against these amounts and we will refund any balance or invoice any shortfall.

17.6 If the Contract ends because of our breach. If the Contract ends because of our breach, you must pay for work properly carried out and materials delivered up to that date, less the amount by which your reasonable direct costs of having the remaining Works completed by others to the same specification exceed the part of the Price that would have been payable to us for that work, subject to clause 18.

17.7 Goods after the Contract ends. Materials and goods that you have paid for become yours. Unfixed goods that have not been paid for remain ours and may be recovered in accordance with clause 13.4.

17.8 Rights that continue. Ending the Contract does not affect any rights or obligations that have already arisen, or any clause that is intended to continue after the Contract ends, including clauses 6, 13, 15, 17, 18, 19, 20, 21, 23 and 25.

18. Our Liability to You

18.1 What we do not limit. Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, under Part 1 of the Consumer Protection Act 1987, or for any other liability that cannot be limited or excluded by law. If you are a Consumer, nothing in these Terms excludes or limits any liability to you that the Consumer Rights Act 2015 does not allow us to exclude or limit, and in particular our liability for services will never be limited to less than the Price.

18.2 Consumers. If you are a Consumer, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of the Contract or our negligence. We are not responsible for loss or damage that is not foreseeable. We carry out the Works for domestic and private use, and we are not responsible for any loss of profit, loss of rent, loss of business, or loss or delay of any sale or business opportunity.

18.3 Business Clients. If you are a Business Client, we are not liable to you, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for any:

1. (a) loss of profit, revenue, rent, rental income or anticipated savings;
2. (b) loss or delay of any sale, letting, refinancing or occupation of the Property;
3. (c) costs of alternative accommodation, storage or relocation;
4. (d) business interruption, loss of goodwill or loss of reputation;
5. (e) wasted expenditure; or
6. (f) indirect or consequential loss.

18.4 Limit of our liability. Subject to clause 18.1, our total liability to you arising out of or in connection with the Contract, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited as follows:

1. (a) for physical damage to property caused by our negligence, to £5,000,000 for any one event, being the limit of our public liability insurance;
2. (b) for Business Clients, for any liability arising from design we provide, to the lower of the Price and £250,000 in total; and
3. (c) for all other liability, to a total amount equal to the Price.

18.5 Fair share for Business Clients. If you are a Business Client and any other person, such as a consultant or another contractor, is also responsible for the same loss, our liability will be limited to the proportion of the loss that it is just and equitable for us to pay, having regard to our responsibility for it and on the basis that those other persons have paid you their fair share.

18.6 Matters we are not responsible for. Except to the extent caused by our negligence or breach of the Contract, we are not responsible for loss or damage arising from: existing defects and hidden conditions under clause 8; design not provided by us; items you supply; work carried out by others; consents or approvals that were not obtained; or services and pipes that were hidden and not shown to us and could not reasonably have been detected.

18.7 Time limit for Business Clients. Subject to clause 18.1, if you are a Business Client, any claim against us must be brought no later than 6 years after Completion, or after the Contract ends if earlier.

18.8 Claims against individuals. If you are a Business Client, you agree that you will bring any claim only against YPS and not against any of our directors, employees or subcontractors personally. Each of them may rely on this clause.

18.9 Our insurance. We hold public liability insurance with a limit of at least £5,000,000, employers' liability insurance with a limit of at least £10,000,000 and professional indemnity insurance with a limit of at least £250,000. Details are available on request.

19. Your Responsibility for Our Losses

19.1 Business Clients. If you are a Business Client, you will indemnify us against all losses, claims, costs and expenses (including reasonable legal fees) we suffer as a result of:

1. (a) your breach of the Contract;
2. (b) information, drawings or designs provided by you or your consultants;
3. (c) items you supply;
4. (d) any consent or approval that is your responsibility not being obtained or complied with;
5. (e) claims by any freeholder, landlord, managing agent, neighbour, tenant or occupier arising from the Works being carried out, except to the extent caused by our negligence or breach of the Contract; and
6. (f) asbestos or other hazardous materials at the Property that were not introduced by us, except to the extent caused by our negligence or breach of statutory duty.

19.2 Consumers. If you are a Consumer, you are responsible for losses we suffer that are a foreseeable result of your breach of the Contract, including our reasonable costs of recovering any sum you owe us.

20. Intellectual Property, Photographs & Personal Data

20.1 Our designs and documents. All drawings, designs, specifications, visuals, Quotations and cost breakdowns we prepare remain our property and we own the intellectual property in them. Once you have paid for them, you may use them for the construction, use, maintenance, letting and sale of the Property, but not for any other property. You must not give our Quotation, cost breakdown or designs to other contractors for the purpose of obtaining competing prices.

20.2 Your materials. You confirm that you are entitled to give us any designs, drawings or images you provide, and that our use of them for the Works will not infringe anyone else's rights.

20.3 Photographs. With your consent, we may photograph and film the Works before, during and after they are carried out, and use the images on our website, social media and other marketing, without naming you or giving the full address of the Property. You may withdraw your consent at any time by emailing [email protected] and we will stop using the images in new material. We will only publish a testimonial or review from you with your consent.

20.4 Personal data. We use your personal data in accordance with our Privacy Policy at www.ypslondon.com/privacy and data protection law. We may share your data with our subcontractors, suppliers, building control bodies, insurers, professional advisers and, if you do not pay, debt recovery agents, to the extent needed to carry out the Works and protect our rights.

21. Complaints & Disputes

21.1 Complaints. If you are unhappy with any part of our work or service, please tell us in writing by email to [email protected], giving details and photographs where possible. We will acknowledge your complaint within 2 Working Days and aim to give you a full response within 7 Working Days.

21.2 Alternative dispute resolution for Consumers. If you are a Consumer and we cannot resolve your complaint, our final response will tell you whether you can refer the complaint to an alternative dispute resolution provider and give its details.

21.3 Adjudication. Subject to clause 21.4, either party may refer any dispute to adjudication at any time under the Scheme for Construction Contracts (England and Wales) Regulations 1998, with the adjudicator nominated by the Royal Institution of Chartered Surveyors. The adjudicator's decision is binding until the dispute is finally decided by the courts or by agreement.

21.4 Consumers living at the Property. If you are a Consumer who occupies or intends to occupy the Property as your home, a dispute will only be referred to adjudication if both of us agree in writing after it has arisen, and you are always free to go to court. In all other cases clause 21.3 applies.

21.5 Work and payment during a dispute. While a dispute is being resolved, both parties will continue to perform the Contract, and you will continue to pay all sums that are not in dispute.

22. Events Outside Our Control

22.1 We are not liable for any delay or failure to perform caused by events outside our reasonable control, including extreme weather, flood, fire, epidemic or pandemic and any related government restrictions, war, terrorism, civil unrest, strikes (other than by our own staff), failure of suppliers or utilities, and acts of any public authority.

22.2 If such an event occurs, we will tell you as soon as reasonably practicable and the time for performing the Works will be extended accordingly. If the event continues for more than 60 days, either party may end the Contract by notice in writing, and you must pay the amounts in clauses 17.5(a) to 17.5(d).

23. Notices & Communications

23.1 Day to day communication. Day to day communication may be by telephone, email or message. Messages sent in writing, including by WhatsApp, count as being in writing.

23.2 Formal notices. Formal notices, including notices of cancellation, suspension or ending the Contract, pay less notices and notices of claims, must be sent by email to [email protected] if sent to us, or to the email address shown in the Quotation if sent to you, or delivered by hand or recorded delivery post to the address of the other party. A notice sent by email is treated as received at the time it is sent if sent before 5.00pm on a Working Day, and otherwise on the next Working Day, unless the sender receives a message that it has not been delivered.

23.3 Keeping your details up to date. You must tell us promptly in writing of any change to your contact details. Notices sent to the latest details you have given us are validly given, including when you are outside the United Kingdom.

23.4 Service of legal proceedings. You agree that claim forms and other documents in any legal proceedings relating to the Contract may be served on you by email to the email address shown in the Quotation and by post to the Property, in addition to any other method permitted by the court rules. If you are outside the United Kingdom, you appoint your Representative as your agent to receive service of legal proceedings in England on your behalf.

24. General

24.1 Entire agreement. The Contract is the entire agreement between you and us. If you are a Business Client, you confirm that you have not relied on any statement or promise that is not set out in the Contract. Nothing in this clause limits liability for fraud.

24.2 Changes to the Contract. Any change to the Contract, other than a Variation agreed under clause 7, is only valid if it is in writing and agreed by a Director of YPS.

24.3 Transfer. You may not transfer your rights or obligations under the Contract without our written consent. We may transfer the Contract to another company in the Yasmeen group, or to a buyer of our business, provided this does not reduce your rights. We will tell you if we do so.

24.4 Third party rights. No one other than you and us has any right to enforce the Contract under the Contracts (Rights of Third Parties) Act 1999, except as stated in clauses 15.7 and 18.8.

24.5 Severance. If any part of these Terms is found to be invalid or unenforceable, the rest of these Terms will continue to apply. Where possible, the invalid part will apply with the minimum change needed to make it valid.

24.6 Delay in enforcing. If we delay in enforcing any right under the Contract, or allow you extra time, this does not prevent us from enforcing that right later.

24.7 Relationship. Nothing in the Contract creates a partnership, joint venture, agency or employment relationship between you and us, except where we act as your agent under clause 9.1.

24.8 Changes to these Terms. We may update these Terms from time to time. Updated Terms apply only to Quotations issued after the update and do not affect any existing Contract.

24.9 Language. These Terms are written in English. If we provide a translation, the English version will prevail.

25. Law & Jurisdiction

25.1 The Contract, and any dispute arising out of or in connection with it, is governed by the law of England and Wales.

25.2 If you are a Business Client, the courts of England and Wales have exclusive jurisdiction over any claim you bring against us, subject to the right of either party to refer a dispute to adjudication under clause 21.3. We may bring proceedings against you in the courts of England and Wales or in any other court that has jurisdiction, including the courts of the country where you are based or hold assets.

25.3 If you are a Consumer, you may bring proceedings in the courts of England and Wales and, if you live in Scotland or Northern Ireland, you may also bring proceedings in the courts of the country where you live.

Schedule 1. Cancellation Information for Consumers

Your right to cancel. You have the right to cancel this Contract within 14 days without giving any reason. The cancellation period will expire 14 days after the day the Contract is made.

How to cancel. To exercise the right to cancel, you must inform us, Yasmeen Property Services Limited, Unit 16, Office 2, Oliver Business Park, Oliver Road, London NW10 7JB, telephone 020 3983 6018, email [email protected], of your decision to cancel by a clear statement, for example a letter sent by post or an email. You may use the model cancellation form below, but it is not obligatory. To meet the cancellation deadline, it is sufficient for you to send your communication before the cancellation period has expired.

Effects of cancellation. If you cancel this Contract, we will reimburse to you all payments received from you without undue delay and not later than 14 days after the day on which we are informed of your decision to cancel. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the reimbursement.

If you requested us to begin the performance of services during the cancellation period, you shall pay us an amount which is in proportion to what has been performed until you have communicated to us your cancellation of this Contract, in comparison with the full coverage of the Contract.