Terms and Conditions — Cash4Gold-Now

In these Terms, when we say you or your, we mean both you and any entity you are authorised to represent (such as your employer). When we say we, us, or our, we mean James Brooke Services Ltd (Company Registration No. 08864813). We and you are each a Party to these Terms, and together, the Parties.

These Terms form our contract with you, and sets out our obligations as a service provider and your obligations as a customer. You cannot use our Services unless you agree to these Terms. These Terms govern your use of our website (Site) and the purchase of our Services through our website.

Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.

For questions about these Terms, or to get in touch with us, please email: info@cash4gold-now.com.

These Terms were last updated on 6 February 2026.

1. Engagement and Term

1. These Terms apply from the Commencement Date until the date that is the earlier of:

1. the date the Services are completed (as reasonably determined by us); or
2. the date on which these Terms are terminated,

(Term)

2. Services

1. In consideration of you providing us with your Items, we will provide the Services and agree to pay you the Price, in accordance with these Terms, whether ourselves or through our Personnel.
2. You are under no obligation to send us any Items after requesting a Selling Pack from us.
3. Once we have received the Selling Pack from you, including your Items and the Valuation Form, we will test and value your Items. We will then provide you with an Offer via email or telephone to purchase your Items based upon the weights and purity as tested by our experts. If we are unable to reach you, we will continue trying to contact you whilst securely holding your Items
4. Offers: Any Offer made by us is valid until 8pm the same day that the Offer is made. After this time, we reserve the right to revise the Offer to reflect changes in precious metal market prices. Gold prices are fixed twice daily (approximately 11am and 3pm), and significant price fluctuations may require us to adjust our Offer accordingly. You acknowledge and accept that this is due to the nature of the Items, being precious metals that fluctuate in value frequently.
5. Testing: All Items will be subject to testing using non-invasive x-ray scanning equipment. However, we reserve the right to conduct additional testing where necessary, including:

1. acid testing, which may cause minor scratches or marks to the Items; and
2. filing into Items to test through any plating to the base metal, which may cause visible damage,

1. Gemstones and diamonds: Please note that gemstones (other than diamonds) generally have no scrap value for our purposes. We do not return gemstones or diamonds incorporated into your Items as a standard. Diamonds over 0.25 carats may qualify for additional payment at our discretion, based on size, colour, cut and clarity. Any such additional payment will be set out in our Offer.
2. Gold plated items have no value for our purposes and will be treated as non-gold items. Items of no value will not be returned unless specifically requested by you, in which case the £15 administration fee in accordance with clause 2.8 (see below) will apply.
3. If you reject our Offer, we will return your Items to you, subject to the following conditions:

1. if the Items contain no precious metal or contain less than 10 grams of precious metal, a £15 administration fee will be charged to cover the cost of postage and handling for both receiving and returning the Items; and
2. return postage will be by standard post, unless you agree to pay for upgraded postage,

1. If we are unable to contact you within 28 days of making an Offer using the contact details you have provided to us, we will continue to attempt to contact you during this period whilst securely holding your Items. If we remain unable to contact you after 28 days, we will automatically process payment of the Offer amount using your nominated payment method in the Valuation Form.
2. If these Terms express a time within which the Services are to be supplied, we will use reasonable endeavours to provide the Services by such time, but you agree that such time is an estimate only.
3. You acknowledge and agree that any information, advice, material or work provided by us as part of the Services does not constitute financial advice.
4. All variations to the Services must be agreed in writing between the Parties and will be priced in accordance with any schedule of rates provided by us, or otherwise as reasonably agreed between the Parties. If we consider that any instructions or directions from you constitute a variation to the scope of the Services or our obligations under these Terms, then we will not be obliged to comply with such instructions or directions unless agreed in accordance with this clause.
5. Silver items: We do not accept silver items unless they are sent together with at least 10 grams of gold. If you send us silver items without meeting this requirement, an administration fee of £15 will be charged for their return, or they may be disposed of free of charge at your request. You acknowledge and accept that the administration fee is a genuine pre-estimate of our likely losses as a result of the silver items failing to meet this requirement.

3. Your Obligations

1. You agree to (and to the extent applicable, ensure that your Personnel agree to):

1. comply with these Terms, all applicable Laws, and our reasonable requests;
2. provide us with all documentation, information, instructions, cooperation and access reasonably necessary to enable us to provide the Services;
3. complete the Valuation Form fully and accurately, including your preferred payment method;
4. sign the declaration of ownership on the Valuation Form;
5. return the completed Valuation Form with your Items in the Selling Pack provided;
6. provide accurate contact details so that we can discuss our Offer with you;
7. respond to our communications regarding any Offer within a reasonable timeframe; and
8. not (or not attempt to) disclose, or provide access to, the Services to third parties without our prior written consent.

1. You warrant and represent that:

1. you are at least 18 years of age;
2. you are the legal and beneficial owner of all Items you send to us;
3. you are resident of the United Kingdom and are sending Items from a UK address;
4. you have the full right and authority to sell the Items to us;
5. the Items are not stolen, unlawfully obtained or subject to any third-party rights or claims; and
6. all information you provide to us (including on the Valuation Form) is true, accurate and complete.

1. You acknowledge and accept that we reserve the right to withhold payment or return Items if we have reasonable grounds to believe that any of your warranties in clause 3.2 are untrue.
2. You agree to cooperate fully with any police or law enforcement enquiries regarding stolen goods, and acknowledge that we may be required to retain Items and withhold payment if Items are suspected to be stolen.
3. Unidentifiable packs: If you fail to complete the Valuation Form correctly, or we are unable to identify you as the owner of the Items:

1. the Items will be deemed as lost property and will be securely held by us for a period of 6 months;
2. to reclaim the Items, you must provide a full detailed description of them before a new Offer may be made at current market prices, subject to a deduction of £15 to cover our storage, insurance and administration costs for the 6-month period;

4. Title, Insurance, and Risk

1. Each prepaid mail bag supplied by Cash4Gold-Now provides insurance cover for items in Each prepaid mail bag supplied by Cash4Gold-Now may be sent using Royal Mail Special Delivery and provides insurance cover for Items in transit up to a maximum value of £2,500 per parcel, at no additional cost to the Customer.
2. Of this cover, the first £750 per parcel is provided through Royal Mail Special Delivery. Cash4Gold-Now has arranged and paid for a separate top-up insurance policy providing additional cover of up to £1,750 per parcel, giving total potential insurance cover of up to £2,500 for each individual parcel.
3. Each Cash4Gold-Now selling pack contains two prepaid mail bags. Where the combined value of the Items being sent exceeds £2,500, the Customer may divide the Items between the two supplied mail bags. Where both mail bags are used as separate parcels, this may provide combined insurance cover of up to £5,000, subject always to a maximum insured value of £2,500 per individual parcel.
4. Customers are not required to purchase additional insurance at the Post Office in order to obtain the insurance cover described above.
5. Insurance cover is subject to the applicable terms, conditions, exclusions, limitations and claims requirements of Royal Mail and the separate top-up insurance policy. The Customer must use the prepaid mail bags supplied by Cash4Gold-Now and follow all postage, packaging and sending instructions provided.
6. Customers are responsible for ensuring that the declared or actual value of the Items contained in each individual parcel does not exceed the applicable maximum insurance cover of £2,500. Any value exceeding that amount in an individual parcel may not be insured.
7. Cash4Gold-Now reserves the right to refuse delivery of, or accept no responsibility for, Items sent using alternative courier services, postage methods or packaging other than those supplied or expressly approved by Cash4Gold-Now.

5. Price and Payment

1. The price we pay for your Items will be the amount stated in our Offer, subject to your acceptance of that Offer in accordance with clause 2.4.
2. Payment will be made using your nominated payment method specified on the Valuation Form within 2 business days of your acceptance of our Offer. The available payment methods are set out on our Site. All payments will be made to the address or account details provided on your Valuation Form.
3. If we are unable to contact you within 28 days of making an Offer, payment will be processed automatically in accordance with clause 2.9.
4. Price match guarantee: If you have received a written quote from another online gold buyer, we may match their quote, subject to the quote being from a comparable online gold buying service (not a jewellery shop or pawn broker), you providing us with evidence of the other quote, and subject to any adjustments for fluctuation in precious metal prices between the date of the quote and the date of our Offer.
5. All amounts payable by you under these Terms are exclusive of amounts in respect of any taxes, including sales, use or value added tax chargeable from time to time (VAT), unless otherwise stated. Where any taxable supply for VAT purposes is made under these Terms by us to you, you agree, on receipt of a valid VAT invoice from us, to pay to us such additional amounts in respect of VAT as are chargeable on the supply of the Services at the same time as payment is due for the supply of the Services.
6. Undelivered returns: If Royal Mail (or any other carrier) is unable to deliver returned Items or cash payments to you and the Items or payment are returned to us:

1. we will endeavour to contact you to re-arrange delivery. A re-delivery charge of £15 will apply to cover our costs of postage, insurance and administration;
2. for returned cash payments to be re-sent, this return will be made to you minus the £15 re-delivery charge; and

1. Cash payment service: If you opt for cash payment via Royal Mail Special Delivery:

1. a charge of £9 will apply to cover postage and handling costs;
2. cash will be sent in British bank notes and £1 or £2 coins, with the amount rounded to the nearest whole pound;
3. the cash will be sent in a secure and insured envelope requiring signature at your address;
4. delivery is usually by the following working day;
5. cash will only be sent to the address where the original Selling Pack was sent;
6. we may request proof of identity and address, which may include Electoral Register records or alternative documentation;
7. you should only use this service if all occupants of your address are known to you and trusted; and
8. once delivery has been signed for, we will have fulfilled our payment obligation under these Terms. This does not affect your statutory rights if there is an issue with the payment amount

6. Confidential Information

1. Subject to clause 6.2, each Party must (and must ensure that its Personnel) keep confidential, and not use (except to perform its obligations under these Terms) or permit any unauthorised use of, information provided by the other Party, including information about these Terms and the other Party’s business and operations.
2. Clause 6.1 does not apply where the disclosure is required by Law or the disclosure is to a professional adviser in order to obtain advice in relation to matters arising in connection with these Terms and provided that the disclosing Party ensures the adviser complies with the terms of clause 6.1.
3. You acknowledge and agree that telephone calls between you and us may be recorded for training, security and quality assurance purposes.
4. This clause 6 will survive the termination of these Terms.

7. Consumer Cancellation Right

1. This clause 7 applies only to the extent that you sell Items to us as a “consumer”, as defined in the Consumer Rights Act 2015. You expressly agree to this information being provided and accepted in digital form, rather than on paper.
2. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers normally have the right to cancel distance contracts within 14 days of the Commencement Date (Cancellation Period).
3. However, under the Regulation 28(1)(a), there is no statutory right to cancel a contract for the supply of goods or services where the price is dependent on fluctuations in the financial market which cannot be controlled by us.
4. Accordingly, once you accept our Offer to purchase the Items from you, you do not have the right to cancel this contract if you change your mind. This is because the Price we pay to you is dependent on precious metals markets which fluctuate beyond our control. Such fluctuations may occur within the Cancellation Period. This exception is provided for under Regulation 28(1)(a) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
5. You do, however, have the right to choose not to proceed at any time before accepting our Offer (for example by choosing not to send your Items, or by rejecting our Offer when we contact you).
6. Once you accept our Offer, title in the Items passes to us immediately in accordance with clause 4.6, and the contract cannot be cancelled.
7. Nothing in this clause 7 affects your other statutory rights under consumer laws.

8. Liability

1. Nothing in these Terms limits any Liability which cannot legally be limited, including Liability for:

1. death or personal injury caused by negligence; and
2. fraud or fraudulent misrepresentation.

1. Subject to clause 8.1 (liability which cannot legally be limited), but despite anything else to the contrary in these Terms, to the maximum extent permitted by Law:

1. if you are not a ‘consumer’ as defined in the Consumer Rights Act 2015, neither Party will be liable for Consequential Loss;
2. if you are a ‘consumer’ as defined in the Consumer Rights Act 2015, and you use the Services for any commercial, business or re-sale purpose, we will have no Liability to you for any loss of profit, loss of business, loss of data, business interruption, or loss of business opportunity;
3. a Party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the acts or omissions of the other Party (or any of its Personnel), including any failure by that other Party to mitigate its loss; and
4. our aggregate liability for any Liability arising from or in connection with these Terms will be limited to 100% of the Price paid or payable by us to you for the relevant Items.

1. This clause 8 will survive the termination or expiry of these Terms.

9. Claims Procedure

1. If you wish to submit a claim to us regarding loss or damage caused to the Items:

1. you must notify us as soon as reasonably practicable;
2. there is a 14-day processing period from the time we receive the claim;
3. in calculating the value for lost or damaged Items, only the scrap metal value will be considered, not any value for gemstones, rarity or resale value;
4. the courier service may require you to provide comprehensive evidence and proof of value, including but not limited to photographs, written valuations, weights and purchase receipts; and
5. we are bound to follow the decision of underwriters in the first instance. This does not affect your statutory rights to pursue a claim through other means if you disagree with the outcome.

10. Termination

1. These Terms will terminate immediately upon written notice by a Party (Non-Defaulting Party) if:

1. the other Party (Defaulting Party) breaches a material term of these Terms and that breach has not been remedied within 10 Business Days of the Defaulting Party being notified of the breach by the Non-Defaulting Party; or
2. the Defaulting Party goes bankrupt, insolvent or is otherwise unable to pay its debts as they fall due.

1. Upon expiry or termination of these Terms:

1. we will immediately cease providing the Services; and
2. we may retain your documents and information (including copies) to the extent required by Law or pursuant to any information technology back-up procedure, provided that we handle your information in accordance with clause 6.

1. Termination of these Terms will not affect any rights or liabilities that a Party has accrued under it.
2. This clause 9 will survive the termination or expiry of these Terms.

11. General

1. Amendment: Subject to clause 2.12, these Terms may only be amended by written instrument executed by the Parties.
2. Assignment: We may assign or transfer our rights to make payment to you under these Terms, provided that such assignment does not adversely affect your rights under these Terms.
3. Contracts (Rights of Third Parties) Act 1999: Despite any other provision of these Terms, nothing in these Terms confers or is intended to confer any right to enforce any of its terms on any person who is not a Party to it.
4. Disputes: A Party may not commence court proceedings relating to any dispute arising from, or in connection with, these Terms (Dispute) without first meeting a representative of the other Party within 10 Business Days of notifying that other Party of the Dispute. If the Parties cannot resolve the Dispute at that meeting, either Party may refer the Dispute to mediation administered by The Centre for Effective Dispute Resolution.
5. Force Majeure: Neither Party will be liable for any delay or failure to perform their respective obligations under these Terms if such delay or failure is caused or contributed to by a Force Majeure Event, provided that the Party seeking to rely on the benefit of this clause:

1. as soon as reasonably practical, notifies the other Party in writing details of the Force Majeure Event, and the extent to which it is unable to perform its obligations; and
2. uses reasonable endeavours to minimise the duration and adverse consequences of the Force Majeure Event.

1. Governing Law: These Terms are governed by the laws of England and Wales and both parties submit to the exclusive jurisdiction of the courts operating in England and Wales.
2. Notices: Any notice given under these Terms must be in writing addressed to the addresses set out in these Terms, or the relevant address last notified by the recipient to the Parties in accordance with this clause. Any notice may be sent by standard post or email, and will be deemed to have been served on the expiry of 48 hours in the case of post, or at the time of transmission in the case of transmission by email.
3. Privacy: We will comply with all applicable data protection laws, and your personal data will be handled in accordance with our privacy policy (available on our website).
4. Publicity: Despite clause 6, you agree that we may advertise or publicise the broad nature of our supply of the Services to you, including on our website or in our promotional material.
5. Relationship of Parties: These Terms are not intended to create a partnership, joint venture, employment or agency relationship between the Parties.
6. Subcontracting: We may subcontract the provision of any part of the Services without your prior written consent. We agree that any subcontracting does not discharge us from any liability under these Terms and that we are liable for the acts and omissions of our subcontractor.

12. Definitions