Terms & Conditions

Updated 23rd March 2025

By using this website and/or by placing an order with us you will be deemed to have read, understood and agreed to these terms and conditions. If you are unhappy with any aspect of these, then you should contact one of our customer service advisors before placing an order with us. English law governs these terms and conditions and your use of our website and you agree to submit to the non-exclusive jurisdiction of the English court. This does not affect your non-excludable statutory rights. Your use of this website is at your own risk. We will not assume any liability from your use of this website. While we always strive to provide you with accurate information, we will not assume any responsibility for errors or omissions on our website, or for any failure to update information. We reserve the right to change or eliminate any part of this website without notice. Any existing links to third parties are not to be deemed as an endorsement by Saracen, and Saracen assumes no responsibility for the content or use of these third-party websites.

This website and our terms and conditions have been for use within the United Kingdom and under UK law. Whilst we are happy to supply certain products to outside the United Kingdom, we give no warranty, express or implied, that the use of this website or the placing of any order through this website from outside the UK complies with any applicable non-UK laws or regulations. Accordingly, any products or promotions not permitted under your local law are not offered to you. A Contract between the customer and Saracen for the sale of our products will only exist once an order has been accepted, processed and despatched. Your credit/debit card will be charged when your order is placed (for the value of the goods despatched, plus postage where appropriate). This does not affect the customer's statutory rights. Prices and availability of goods are subject to change without notice.

The information displayed on this website, including prices, does not constitute an offer to contract or to enter into an agreement. When you send an order by means of this website for goods and/or services, your order shall constitute an offer for the goods and/or services selected. We shall send you an order acknowledgment email to the email address supplied with your order, as soon as you place your order. This email does not constitute acceptance of your order. For items being delivered to you (opposed to Click & Collect), when your product is shipped from our warehouse, we will send you a despatch confirmation email. Order acceptance and the completion of the Contract between you and us will take place on the despatch to you of the Products ordered unless we have notified you that we do not accept your order, or you have cancelled it.

Until then Saracen reserves the right to decline the order. No binding contract is created until your order has been accepted. Any contracts or agreements formed between you and us by means of this website shall be governed and construed according to English law and any disputes or proceedings shall be subject to the exclusive jurisdiction of the English court.

The products offered for sale on this website are directed at residents of the United Kingdom. Saracen makes no representation that any products referred to on this website are available, or appropriate for use in other locations. If you choose to access this site from other locations, then you are responsible for compliance with local laws if applicable.

Click & Collect

Saracen offers a "Click & Collect" service via a network of independent retail stores throughout the UK and Republic of Ireland. The "Click & Collect" service is available on all goods marked as "Available for Click & Collect" on each of the product pages on Saracen.

Our Click & Collect service is free. Simply select your items online, pick Click & Collect as your delivery method (choosing the store of your choice), and complete the rest of the standard check out steps online. Your credit/debit card will be charged when your order is placed. Once your order has been received, the chosen store will contact the customer when the order is ready for collection. The customer must bring a form of ID and the Saracen order confirmation email as proof of purchase.

Each selected store receives a percentage of the sale from all Click & Collect orders.

Returns, Cancellations and Substitutions

In the event we are unable to fulfil all or part of your order, we will offer you an alternative or, where no suitable alternative is available, issue a refund for the part we cannot fulfil. We will email you to advise if this happens

For Click & Collect orders, should you be unhappy with the items collected from your selected store, please return the item(s) unused and in its original condition and packaging within 30-days from the date of purchase to our Saracen HQ using the returns labels provided. All returns are FREE; however, we reserve the rights to refuse this free service on a case by case basis. Refunds will be processed by Saracen and are made to the original method of payment and account holder. The selected store is unable to offer a refund.

Manufacturer's Warranties & Guarantees

Any manufacturer warranty, guarantee or similar assurance applies in addition to your legal rights as a consumer.

Where applicable, details of manufacturer guarantees or service arrangements will be provided with the goods. For goods purchased directly from Saracen and shipped to your chosen delivery address, our customer services team will deal with all after sales service and warranty claims. In relation to "Click & Collect" orders, you must contact your chosen Saracen Retail Partner store from whom you collected the goods. They will be your primary point of contact to resolve any service or warranty claims. In the case of extended warranties, if available, these must be registered within 30 days of purchase – please refer to the individual manufacturer product documentation. For help please email or call customerservice@Saracen.co.uk

Warranties are non-transferable and only apply for the original Customer. This does not affect your statutory rights if the goods are faulty or not as described.

Payment

For shipments in the United Kingdom, all prices include VAT at the applicable rate for the UK.

Saracen accepts orders using all the major credit or debit cards as well as Apple Pay, Google Pay and Novuna Finance.

For "Click & Collect" orders, payment is made at the time of collection in-store. You will pay the price as specified online, unless available cheaper in store.

Terms of Business Agreement (TOBA)

The following Terms of Business Agreement (TOBA) provides you with essential details and key information about H Young (Operations) Ltd and the services that we will provide you with.

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services.

Saracen is a trading name of H Young (Operations) Ltd, registered in England & Wales 00706712 with its Registered Office at Buckingham House, West Street, Newbury, Berkshire, RG14 1BD, Email Address: customercare@madison.co.uk

H Young (Operations) Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd which are authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 94453.

2. Whose products do we offer?

Consumer Finance on Saracen.co.uk is provided by Novuna, which is a trading name of Mitsubishi HC Capital UK PLC, with its Registered Office at NovunaHouse, Thorpe Road Staines-upon-Thames Surrey TW18 3HP. Credit is subject to status and affordability.

We act as a Credit Broker, not a Lender, and facilitate consumer finance with Novuna, to spread the cost of qualifying orders into smaller monthly payments:

• For purchases totalling £1,999.99 or less, interest-bearing credit at 14.9% APR spread up to 24 months.
• For purchases totalling £2,000.00 or more, interest-bearing credit at 14.9% APR spread up to 36 months.

(Finance is subject to status, with a minimum spend of £499.00.)

Providing a qualifying bike is included in your order, finance may be taken out against all products in your basket.

To safeguard against fraudulent applications, we can only deliver goods to the home address of the applicant. All offers of finance are subject to acceptance by Novuna.

Saracen accepts no liability in relation to the credit analysis and resulting contractual obligations between yourselves and Novuna. Please direct all enquiries in writing to Novuna. We advise all applicants to keep a copy of the Terms and Conditions, invoice and any other documents relating to the financing application for your records.

3. Which service will we provide you with?

We provide our services on a non-advised basis. You will not receive advice or a recommendation from us on the suitability of the provision of credit. The information we provide is limited to the rate of interest, nature and amount of any other charge included as part of the total charge for credit, total credit amount, cash price, duration of the credit agreement, total amount payable, repayment amount(s), representative APR and the total interest payable. All other terms will be provided by the lender, and you should only proceed once you are satisfied that the product that you take out is suitable for your requirements.

Please be aware that not making repayments under credit agreements or ignoring correspondence or other contact from lenders and those acting on behalf of lenders, can have severe consequences on your financial position and can affect your credit rating and/or the possibility of accessing financial services in the future, and may result in legal proceedings, default charges and late payments interests.

4. What to do if you have a complaint?

If you wish to register a complaint, please write to us at customercare@madison.co.uk or call us at 01908 326032. If you wish to obtain a copy of the firm’s Complaint Handling Procedure, please contact us at the above-mentioned contact details.

Please be assured that we treat complaints seriously. If your complaint is related or partially related to services provided by a third-party provider, we will notify you of such and (unless otherwise mandated by the third-party provider once we have obtained your consent) forward your complaint to the relevant third-party provider. For your further protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). You can write to them at Financial Ombudsman Service, Exchange Tower London, E14 9SR, or by email at www.financial-ombudsman.org.uk/make-complaint. You can also call 0800 023 4567 or (18002) 020 7964 1000 using next generation text relay. Full details can be found on the FOS website at Financial-ombudsman.

5. We are covered by the Financial Services Compensation Scheme (FSCS)

You may be entitled to compensation from Financial Services Compensation Scheme (FSCS), if we cannot meet our obligations. This depends on the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk

6. Data Protection

H Young (Operations) Ltd is registered with the Information Commissioners Office and we comply with the relevant Data Protection legislation. If you provide H Young (Operations) Ltd with Personal Data of a third party, you should only do so if you are authorised to release such information by the data subject. You hereby authorise H Young (Operations) Ltd to provide your Personal Data to any relevant providers for whom H Young (Operations) Ltd wish to make an application on your behalf, although any Sensitive Personal Data will not be obtained or disclosed without providing you the reasons, or without obtaining your explicit permission to do so. The information you provide is subject to the Privacy Notice of the firm, a copy of which has been provided to you together with this TOBA. You may request confirmation of the information we hold about you, to which we will respond within 30 days. You consent to us, or any company associated with us, processing your Personal Data in accordance with the Privacy Notice of the firm. If you wish to obtain a copy of the firm’s Privacy Notice, please visit www.saracen.co.uk/policies/privacy-policy.

We may undertake checks via credit reference and fraud prevention agencies to manage your account with us. Please note that these checks should not affect your credit rating. Furthermore, any of our Product Providers (including Credit Providers), may also undertake checks via credit reference and fraud prevention agencies to obtain information with regards to your credit profile. This may affect your credit rating and eventually can prevent you from obtaining credit or other financial products in the future.

We may communicate with you via various methods including email. Although all of our emails are scanned for viruses, it is recommended that any attachment(s) be scanned by yourselves as we cannot be held liable for any loss or damage caused by software viruses. If you choose to communicate with us via email, please be aware that email communications without the use of encryption, may not be the safest method of communication. If you wish to guarantee the safety and confidentiality of any information you send to us via email, encryption methods should be used.

Security of Your Information

Our site uses secure server software to protect your information whenever you place an order. This software encrypts all information you input before it is sent to us to minimise the risk of the being intercepted before it is received by us.

Intellectual Property and Right to Use

• Intellectual property shown on products and promotional materials is owned by the respective brand owners.
• Logos and trade names on this website are owned by the respective brand owners.
• Intellectual Property associated with the graphics, text, design, look and feel of this website is owned by Saracen.
• Any feedback and ideas submitted by users become Saracen’s property.

Any use of the above other than for ordering purposes is prohibited.

Company Information

For any queries regarding our service, please contact us via email or phone via the contact us page.

Our company details are:

Saracen

Registered Office: Buckingham House, West Street, Newbury, Berkshire, RG14 1BD, United Kingdom

Registered in England & Wales.

Company registration number: 00706712

VAT No: 578 4195 93