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Rent to Buy Solution

Terms & Conditions

1. These Terms & Conditions

1.1 We are Andersons & Co. UK Ltd, a company registered in England No 14106369 with the registered office address at 60 Cannon Street, City of London, England, EC4N 6NP, (and we refer to ourselves as “Andersons & Co. UK Ltd”, “Andersons & Co.”, “Agency”, “Service Provider”, “Company”, “we”, “us” or “our” in this document).
1.2 Should you have any comments, queries or suggestions about Andersons & Co. UK Ltd or our Program(s) you can write to us at: Andersons & Co. UK Ltd, 60 Cannon Street, City of London, England, EC4N 6NP, or email us on enquiries@andersons-co.uk
1.3 These Terms and Conditions were most recently updated on the 27th of March 2025.
1.4 We shall keep a copy of these Terms and Conditions. You are advised to also keep a copy of these Terms and Conditions and each amended version for your own records and future reference.

2. Definitions

2.1 In the Terms & Conditions of this Program, unless the context otherwise requires: “Affordable Property Program”, “Affordable Property Solutions”, “Rent To Buy Solution”, “Rent To Buy”, “Property Program” or “Program” means the service provided by the Andersons & Co. UK Ltd together with some further ancillary services, where relevant;
“Prospective Client”, “Client”, “ Participant”, “Occupier”, “Tenant”, “Buyer” or “Tenant-Buyer” means any person expressing an interest in the Affordable Property Program having completed the Registration process and paid the Registration Fee, deposit in full or the first instalment of the Rent Deposit Plan (RDP);
“Client”, “Participant”, “Tenant” or ”Buyer” means any person who has successfully registered to use some or all of the Affordable Property Program aspects;
“Participant-buyer”, “Occupant-buyer” or “Tenant-Buyer” means a client who has successfully completed the mandatory 3 years of the tenancy;
“Property” means a property available within the Program;
“Property Details” means material relating to a Property;
“Fee” means any fee charged by Andersons & Co. and other monies collected by the Company will be payments into your deposit account, your rental account, instalments and any other mutually agreed payments;
“Liability” is defined in Clause 9;
“Deposit Plan” is defined in clause 4.3.
2.2 In the Terms & Conditions of this Program:
2.2.1 References to Clauses are to the clauses of this Agreement;
2.2.2 Words importing a gender shall include the other gender and the neutral;
2.2.3 The singular includes the plural and vice versa;
2.2.4 The headings to clauses are inserted for convenience only and shall not affect the interpretation or construction of this Agreement;
2.2.5 References to “includes” or “including” or like words or expressions shall mean without limitation;
2.2.6 References to any statute or statutory provision shall include any subordinate legislation made under it, any provision which it has modified or re-enacted (whether with or without modification) and any provision which subsequently supersedes it or re-enacts it (whether with or without modification); and
2.2.7 References to “written” or in “writing” (except in respect of sending a notice in accordance with Clause 11.3) includes in electronic form.
2.3 Andersons & Co. UK Ltd reserves the right to amend these Terms & Conditions at any time. All amendments to these Terms & Conditions will be held at our office for your inspection at any time. We may introduce the changes with or without notice to you, although where we reasonably consider the changes to be significant, we shall endeavour to give at least 30 days’ warning of the changes. However, in any event, you are responsible for reviewing information.
2.4 If you do not wish to be bound by the new or revised Terms & Conditions you may terminate this Program Agreement by informing us (by post giving 60 days notice to the Company addresses in Clause 1.2 and cease using Rent To Buy Solution Affordable Property Program accordingly. The agreed cancellation fees will apply (see Clause 11.9).
2.5 If you continue to use the Program you will be deemed to constitute your acceptance of the new or revised Terms and Conditions.

3. Registration for the Rent To Buy Solution Affordable Property Program and becoming a Client / Program Participant

3.1 In order to become a Program Participant you will need to apply for registration onto the Rent To Buy Solution Affordable Property Program, pay your registration fee and pay in full or your first instalment of the Rent Deposit Plan (RDP).
3.1.1 Your registration fee is refundable along your first rent payment.
3.2 Please note that to become a Program Participant you must be 18 years of age or over.
3.3 The Company reserve the right to decline a new registration, and you may also terminate your Participation at any time by giving Company 60 days’ written notice by post to the Registered Office Address. Funds held in your deposit account (refer to your program reference number) will be reimbursed in accordance with these Terms and Conditions. Cancellation and administration fees will apply.
3.4 To register for the Program you will need to supply us with the following information: your name, date of birth, address, email address, telephone number, your photographic ID and your NI number (if applicable), your employment type (if you are employed), details of preferred locations of your required property and preferred property type, and such other details as we require to provide you with the required service and fulfil current legal obligations.

4. Provision of and Program Participation

4.1 Our provision of and your participation in Rent To Buy Solution Affordable Property Programme are subject to these Terms and Conditions.
As a Participant or Tenant / Buyer:
4.2 You agree to comply fully with any agreement or arrangement you make with the Company.
4.3 Upon registration to the Program, a minimum deposit of mutually agreed 4 months rent (min. £8,000.00) is required
The amount of the deposit, as well as the rent, will be determined based on the established values ​​regarding the market price of the property and the prevailing rents in relation to the location of the property. The deposit may be paid in full or can be collected via the Rent Deposit Plan (RDP).
The RDP constitutes one initial instalment (minimum of £500.00) followed by regular - mutually agreed - monthly instalments to reach the agreed deposit amount. It will be your responsibility to pay the remaining balance of your deposit. Defaulting on monthly payments for a period of more than 3 months without clarifying the reason with the service administration may result in disqualification from the Program. Terms & Conditions will apply.
We will attempt to contact you and advise an alternative Deposit or Payment Plan, if we are notified immediately of any genuine changes in your financial circumstances which make it difficult for you to pay.
4.3.1 For the benefit of the Tenant / Buyer the deposit is an agreed figure and will be deducted from the property value as (if applicable) on Transfer of the deed, regardless of whether the property is valued at more or less than the initial property price. The Company will not adjust or increase the value gained during the participation in the Program.
4.4 Following the completion of your Rent Deposit Plan, based on information provided in your application form, we intend to collect and provide you with details of available properties that may be of interest to you. To complete this stage we require approximately 6 months.
4.5 We cannot provide an exact timescale but we endeavour to provide you with a property in your chosen location with utmost urgency.
4.5.1 Upon finding the right property, we will require a minimum of 6 months on average to purchase the property and ensure the exchange of deeds has taken place.
4.5.2 We will further require 3 to 6 months for the refurbishment and upgrade of the property where we can include your direct advice and individual needs in the process of the refurbishment where applicable.
4.5.3 To follow the legal requirements or in case of a ‘Force Majeure’ or any other unexpected events, we may require additional time to fulfil the necessary obligations if possible.
4.6 If in 24 months after completion of the Deposit Plan during the uninterrupted course of business we have been unable to offer you a suitable property in accordance with your specification, you have the option to extend your search or withdraw from the Program and we will refund your Deposit in full without any administration charges.
4.7 You may acquire more than one Property under the Program.
4.8 When a Property is selected a tenancy term of 3 consecutive years must be completed to fully benefit from the Program and switch to the Property Purchase Plan.

Termination of Programme Agreement

4.9 You may terminate this Program Agreement during your tenancy at any time by informing us by post giving 60 days notice to the addresses in Clause 1.2 and cease using Programme accordingly. Funds within your Deposit or Deposit Plan and your Property Purchase Plan (if applicable) will be refunded. The agreed refund policy and cancellation fees will apply.
4.10.1 If you wish to terminate Participation in the Program during the obligatory 3 year tenancy term, we require a minimum of 2 months notice and you will be required to vacate the property forthwith, as this is deemed a breach of Programme Agreement.
4.10.2 In the event of a breach of the Property Purchase Plan you will have 60 days in which to vacate the property. It is solely your responsibility to remove your belongings from the property address. Any belongings left in the property will be disposed of in the appropriate manner. Costs incurred in the disposal of said belongings will be deducted from any refund due.

Mutual Exchange

4.11 You must not enter into an agreement or arrangement with another Program Participant unless you expect to be able to be fully available to fulfil the agreement or arrangement with that other Participant.
4.11.1 You will be required to pay a mutual exchange administration fee of £1795 (see Clause 11.9).
4.12 You will also be required to obtain written consent from the Program Administrators. It is your responsibility to ensure that you have sufficient information about the other property or property requirements or situation before you enter into any legally binding obligations with them. You will be required to cover the costs of any legal fees together with Company administration costs that may accrue.

Transfer of Deeds

4.13 Transfer of Deeds can be made following the 3 year obligatory tanency term, however this is not necessary and property can remain the responsibility of Andersons & Co. till the end of contract.
If a Transfer of Deeds is required all legal and administrative costs as well as remaining, unpaid part of property price shall be met by the Program Participant. The Participant is required to cover these costs as the Company covered financing the purchase and all the initial, legal and administrative costs involve in the purchase of the property. In all cases the Company shall be notified in writing.

Material - General Rules

4.14 You acknowledge that any examples, advice, recommendations or suggestions that we may provide through the Program are for information only, and that they may not apply or be relevant to you or to your specific circumstances. It is entirely your responsibility to do whatever is right for you or in your best interest and we will not be held liable for any information given.
4.15 We will endeavour to provide you with accurate Property Material however we cannot be held responsible for any omission and mistakes as in most cases the information is provided by the third parties.
4.16 You don’t have to be UK resident to register with the Program.
4.17 To register you must be 18 years of age or over.
4.18 You agree to comply at all times with any instructions of the Program Management.
4.19 No information given shall constitute advice specific to your circumstances or a recommendation. You should take appropriate professional advice in relation to the Program, if deemed necessary. We are not licensed by the Financial Conduct Authority to provide investment advice. Please be aware that property values can decrease as well as increase.
4.20 You agree not to circumvent the Program under any circumstances.
4.21 When we provide Material supplied by others, we are dependent on data provided by them. We do not warrant and we exclude all liability in respect of the accuracy, completeness, currency, fitness for purpose or legality of any information.
4.22 We will use reasonable effort to correct any errors or omissions in the Program and our publications as soon as practicable after being notified of them. However, we do not guarantee that the Program will be free of faults and we do not accept liability for any errors or omissions. If you notice any errors, please report them in writing, either by post or by email.
4.23 When becoming a Participant of the Program you must not:
4.23.1 Use the Program in any way which breaches any laws, regulations, byelaws, codes of practice, licences, registrations, permits or authorisations;
4.23.2 Use the Program for any fraudulent, criminal or unlawful purpose or for inciting, encouraging or enticing any fraudulent, criminal or unlawful purposes;
4.23.3 Impersonate any other person or body or misrepresent a relationship (or a lack of a relationship or a different relationship) with any person or body (including wrongfully suggesting we have endorsed or recommended you);
4.23.4 Do anything contrary to the Company or Program policies and procedures or this terms and conditions;
4.23.5 Act in a discriminatory way;
4.23.6 Do anything in a way that we consider may be contrary to our legitimate business interests;
4.23.7 Agree any mutual exchange without our prior written consent;
4.23.8 Commit any acts likely to affect the integrity of the Program negatively;
4.23.9 Interfere or attempt to interfere with the proper working of the Program;

Your statutory rights

4.23.10 As a Participant, nothing in this Program Agreement affects your non-excludable statutory rights.

5. Payments

5.1 Please note that you will always be informed clearly of any applicable fees before you go ahead with any aspect of the Program. Acceptable methods of payment are postal orders, bank transfers, banker’s drafts or cash payments. We do not accept credit cards or personal cheques.
5.2 If you default on any of your agreed payments you could be disqualified from the Programme and could be evicted if relevant. However, in certain circumstances we will aim to avoid this by seeking alternative and achievable form of rent, instalments or payment plans.
5.3 You must have the authority to use the payment method you provide to pay us.
5.4 We do not require VAT on your rent, instalments or deposit payments.
5.5 If we have not received the first instalment of your deposit within 14 consecutive days from the date of your registration, unless there is a prior agreement, we will assume that you do not wish to participate and will delete from the system all information provided by you. Your registration fee will not be refunded. If you decide to participate at a later date you will need to apply again and pay the registration fee.
5.6 We will provide you with quarterly statements (or monthly on demand) indicating funds within your Rent Deposit Plan, rent and/or your instalments or Property Purchase Plan (PPP) payments (if relevant).
5.7 We will inform you immediately if our bank details will change during the course of a transaction. The Company will not take any responsibility for any loss if you transfer money to a wrong or false bank account. You must undertake appropriate checks to confirm our bank details before you transfer money. All participants must be aware of potential cybercrime and fraud.

6. Intellectual property rights

6.1 All intellectual property rights of any nature anywhere in the world (including all copyright, database rights, patents, trade marks, service marks, trade names, designs (including the “look and feel” and other visual or non-literal elements), whether registered or unregistered) in any Program or service provided by the Company, shall remain property of Andersons & Co. UK Ltd. You shall not, and shall not attempt to, obtain any title to any such intellectual property rights.
All rights not expressly granted by us are reserved.
6.2 None of the material described in Clause 6.1 may be reproduced or redistributed under any circumstances.
6.3 You shall not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials under any circumstances.
6.4 All rights (including goodwill) in the Rent To Buy names and logos are owned by Andersons & Co. UK Ltd.

7. Terms of Contract

7.1 The terms and conditions of this Program Agreement shall commence on the date which you agree to this Agreement, by completing and signing the Application Form. Your Participation will commence as soon as your Application Form and has been received.
7.1.1 The term of the contract is within 4 phases:
1. Payment of refundable registration fee.
2. Payment of agreed deposit in full or initial instalment of a Rent Deposit Plan (RDP) (minimum £350.00) followed by monthly payments of agreed minimum instalments;
3. 3 year mandatory tenancy term to complete;
4. After the initial 3 years term you can extend your tenancy agreement and change from a Tenant to a Tenant-Buyer and enrol in the Property Purchase Plan. At this point all the rent monies paid from the beginning of your tenancy term will go towards the Property Purchase Plan. You will already own approximately 10% of the property you live in, providing all conditions have been met.
If you wish to terminate the agreement - anytime after the 3 years of the obligatory tanency period - within the Property Purchase Plan, you will be entitled to a full refund of your deposit and 25% of monies paid in as the rent minus any costs of usual property repairs and necessary refurbishments. Terms & Conditions apply.
7.2 Both parties shall be entitled immediately or at any time (in whole or in part), without liability to the other, to terminate this Program Agreement immediately; if:
7.2.1 the other commits any material breach of these Terms and Conditions; or
7.2.3 you, default on deposit instalments or rent payments without contacting the Company to make alternative arrangements.
7.3 if your participation in the Program will be terminated under Clause 7.2, you may not be permitted to register with the Program in the future.
7.4 In the event of suspension of your participation in the Program, we have the right to refuse to reinstate your participation in the Program until we have received any outstanding deposit, rent and/or an assurance from you in a form we consider satisfactory that there will be no further breach of this Program Agreement.
7.5 Either party may terminate this Program Agreement immediately by 60 days notice to the other without cause.
7.5.1 If we terminate this Program Agreement under this Clause 7.5, then provided you have not been in any breach of this Terms & Conditions, we will return all funds collected within the Program.
7.5.2 If you terminate this Program Agreement, cancellation fee and administration costs will apply. (see 11.9) Terms & Conditions apply.
7.6 Each party’s right to terminate this Program Agreement shall not prejudice any other right or remedy you or we may have in respect of any breach or any rights, obligations or liabilities accrued prior to termination.

8. Indemnity

8.1 You shall fully and promptly indemnify and keep indemnifying us against all liabilities, losses, damages, injuries, costs, expenses, fines, demands, claims and proceedings suffered or incurred by us arising (directly or indirectly) out of:
8.1.1 any claims or legal proceedings arising from your participation in the Rent To Buy Solutions Affordable Property Program.

9. Limitations of liability

9.1 Clause 9 prevails over all other Clauses and sets forth our entire Liability, and your sole and exclusive remedies, in respect of:
9.1.1 the performance, non-performance, purported performance or delay in performance of the services provided by the Company.
9.2 Nothing in this Program Agreement shall exclude or limit our liability for (i) the tort of deceit; (ii) death or personal injury caused by our Breach of Duty; (iii) any breach of the obligations implied by s.12 Sale of Goods Act 1979 or s.2 Supply of Goods and Services Act 1982; or (iv) any other Liability which cannot be excluded or limited by applicable law.
9.3 In performing any obligation under this Program Agreement, our only duty is to exercise reasonable care and skills.
9.4 We do not warrant and we exclude all Liability in respect of the accuracy, completeness, fitness for purpose or legality of any information accessed during your participation in the Program.
9.5 Save as provided in Clause 9.2, we do not accept and hereby exclude any Liability for loss of or damage to your (or any person’s) tangible property other than that caused by our Breach of Duty.
9.6 Save as provided in Clauses 9.2 and 9.5, we do not accept and hereby exclude any Liability for Breach of Duty other than any such Liability arising pursuant to the terms of this Program Agreement.
9.7 Save as provided in Clause 9.2, we shall have no Liability for:
9.7.1 loss of revenue;
9.7.2 loss of actual or anticipated profits;
9.7.3 loss of contracts;
9.7.4 loss of the use of money;
9.7.5 loss of anticipated savings;
9.7.6 loss of business;
9.7.7 loss of operation time;
9.7.8 loss of opportunity;
9.7.9 loss of goodwill;
9.7.10 loss of reputation;
9.7.11 any indirect or consequential loss;
and such Liability is excluded whether it is foreseeable, known, foreseen or otherwise. For the avoidance of doubt, Clauses 9.7.1 to 9.7.10 apply whether such losses are direct, indirect, consequential or otherwise.

10. Data protection

10.1 In order to disclose to any third party any details of any Program or Solution offered by Us, you must obtain the express written consent of Andersons & Co. UK Ltd.
10.2 We will abide by the Data Protection Act 1998 (with the updates) in respect of all of your personal details.
10.3 We will also abide by GDPR in respect of all of your personal details.

11. Confidentiality

The Rent To Buy Solution Affordable Property Programme and its semi-social aspects contain confidential and proprietary information that is not for general or public distribution. However in the interests of increased transparency the Company makes this information available to the Prospective Clients, Participants, Tenants and Buyers.
Therefore Prospective Clients, Participants, Tenants and Buyers must agree to the terms and conditions set out below.
11.1 Confidential Information for the purposes of this Agreement shall mean ALL information relating to the Program, regardless of whether it is written, oral, audio tapes, video tapes, video discs, computer discs, designs, specifications, drawings, human or machine readable documents or materials, etc.
11.2 Use of Confidential Information, you agree to:
11.2.1 Receive and maintain the Confidential Information in confidence;
11.2.2 Not reproduce or distribute the Confidential Information or any part thereof without the express consent of Andersons & Co. UK Ltd;
11.2.3 Limit dissemination of the Confidential Information and disclosure to those business sources, affiliates and associates to those who have a need to know and an obligation to protect it;
11.2.4 Not use the Confidential Information or any part thereof as a basis for the design or creation of any development plan similar to that embodied in the Confidential Information;
11.2.5 Not use the Confidential Information to unfairly compete or obtain an unfair advantage in any commercial activity.
11.3 Return of Confidential Information
11.3.1 All information provided by the Company shall remain the property of the Company.
11.3.2 You agree to return all Confidential Information to the Company within 7 days of written or verbal demand by Andersons & Co. UK Ltd and immediately on termination of any Agreement.
11.4 Non-Assignable
This agreement shall be non-assignable by you without express written consent of Andersons & Co. UK Ltd. If this Agreement is assigned or otherwise transferred, it shall be binding on all successors and assigners.
11.5 No License
Andersons & Co. UK Ltd does not, by virtue of disclosure of the Confidential Information, grant, either expressly or by implication or otherwise any right or license to any intellectual property right.
11.6 Binding Nature of Agreement
This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, personal representatives, successors and assigns.
11.7 Duration of Confidentiality Obligation
Confidential Information remains subject to the confidentiality obligations set forth herein also after the conclusion of your relationship with Andersons & Co. UK Ltd for an unlimited duration.
11.8 Provisions Separable
The provisions of this Agreement are independent of and separable from each other and no provision shall be affected or rendered.

11.9 Variable Payments Fees & Charges

11.9.1 Registration Fee (refundable) £1,495.00
May be paid in instalments (please talk to our consultants).
To enter the programme and to become a Programme Participant you are required to pay the Registration Fee. This payment will be refundable to your bank account only along your first rent payment.
11.9.2 Deposit required 4 x 1 month rent, but not less than £8,000.00
11.9.3 Deposit (refer to 4.3)
11.9.4 Deposit Plan first instalment min. £500.00
11.9.5 Deposit Plan monthly payments as per individual agreement
11.9.6 Withdrawal from the Program
Cancellation fees
at the Deposit Plan stage £2,495.00
at the property purchase stage, 2.5% of the agreed property price
11.9.7 Withdrawal from the Program within the first 3 years of tenancy
refund of deposit in full (100%)
no equity release
cancellation fee 2.5% of the agreed property price
admin fee £1,495.00
11.9.8 Withdrawal from Programme in the 4th year of tenancy or later
refund of deposit in full (100%)
the equity release - 25% of your paid rent
cancellation fee 2.5% of the agreed property price
admin fee £1,495.00
11.9.9 Mutual Exchange
admin fee (per property) £1,795.00
11.9.10 Each Tenant is financially responsible for any significant damage to the condition of the occupied property made by the Tenant - excluding usual “tear and wear”
12. General

12.1 No partnership/agency
Nothing in this Program Agreement shall be construed to create a joint venture, partnership or agency relationship between you and us and neither party shall have the right or authority to incur any liability debt or cost or enter into any contracts or other arrangements in the name of or on behalf of the other.
12.2 No other terms
Except as expressly stated in this Program Agreement, all warranties, conditions and other terms, whether express or implied, by statute, common law or otherwise are hereby excluded to the fullest extent permitted by law.
12.3 Assignment
You shall not assign or delegate or otherwise deal with all or any of your rights or obligations under this Program Agreement without the Company prior written consent (which consent we may grant or withhold in our absolute discretion).
12.4 Force Majeure
Neither party shall have any Liability for any breach, hindrance or delay in performance of its obligations under this Program Agreement which is caused by an Event of Force Majeure, regardless of whether the circumstances in question could have been foreseen. An “Event of Force Majeure” means any cause outside of the party’s reasonable control, including act of God, actions or omissions of third parties, insurrection, riot, civil war, civil commotion, war, hostilities, threat of war, warlike operations, armed conflict, imposition of sanctions, embargo, breaking off of diplomatic relations or similar actions, national emergencies, terrorism, nuclear, chemical or biological contamination or sonic boom, piracy, arrests, restraints or detainments of any competent authority, blockade, strikes or combinations or lock-out of workmen, epidemic, lock-downs, fire, explosion, storm, flood, drought, adverse weather conditions, loss at sea, earthquake, natural disaster, accident, collapse of building structures, failure of plant machinery or machinery or third party computers or third party hardware or vehicles, failure or problems with public utility supplies (including general: electrical, telecoms, water, gas, postal, courier, communications or Internet disruption or failure), shortage of or delay in or inability to obtain supplies, stocks, storage, materials, equipment or transportation. In addition to this we will not accept liability for delays due to market conditions, property availability, fiscal variables or such like.
12.5 Entire Agreement
This Program Agreement (and any other document referred to in this Agreement and any other terms and conditions specifically agreed between you and us in writing) contains all the terms agreed between the parties regarding its subject matter and supersedes and excludes any prior Agreement, understanding or arrangement between the parties, whether oral or in writing. No representation, undertaking or promise shall be taken to have been given or be implied from anything said or written in negotiations between the parties prior to this Agreement except as expressly stated in this Program Agreement. Neither party shall have any remedy in respect of any untrue statement made by the other upon which that party relied in entering into this Agreement.
12.6 No waiver
Unless the Company expressly states in writing that it is waiving a particular power, right or remedy in a particular stated instance, no failure or delay or omission by Andersons & Co. in exercising any power, right or remedy under this Agreement or at law shall operate as a waiver of such power, right or remedy; and no waiver in any particular instance shall extend to or affect any other or subsequent event or impair any powers, rights or remedies in respect of it.
12.7 Severability
If any provision of this Agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this Agreement shall not be affected.
12.8 NOTE
In order to satisfy some cases of special needs required time to time by the Applicants or Program Participants the terms may be adjusted to the personal requirements of an individual Applicant, Programme Participant or Tenant-Buyer.
12.9 Notices
Unless otherwise stated within this Agreement, notices to be given to the Participants shall be in writing and shall be delivered by email, hand or by mail, which shall be sent to you at the address given or supplied to us. Notices shall be deemed received when delivered. Any notices will take force from the date of notice as stated on the notice.
12.10 Governing law
This Program Agreement and any non-contractual right or obligation arising out of or in relation to it, shall be governed by and construed in accordance with English law and the Participant hereby submits to the jurisdiction of the English courts. Andersons & Co. UK Ltd and you irrevocably agree that the English courts shall have exclusive jurisdiction over any claim or matter brought by the party in relation to this Agreement.
12.11 Nothing in this Agreement shall limit our right to take proceedings against the Participant in any other court of competent jurisdiction.
12.12 All dealings, correspondence and contacts between the parties shall be made or conducted in the English language.