Terms and Conditions

Use of the Website

Welcome to The Bank’s Online Store (www.thebank102.com). By using this website, you agree to these terms and conditions ("Terms"). If you do not agree, please leave the site immediately.

The website www.thebank102.com is an online service provided by ‘The Bank’ ("We" / "Us" / "Our") for the sale of clothing, accessories, and other items ("Items"). We strive to present our Items accurately, but colour clarity may vary based on your monitor settings. Please review these Terms before placing an order.

Eligibility to Purchase

To purchase Items from this website, you must:

Hold a valid debit/credit card.
Ensure that the personal information you provide when registering is true, accurate, and current. Notify us immediately at info@thebank102.com if your information changes. Do not impersonate anyone else or use a false name.

By using this site, you agree to comply with these Terms, which we may change at our discretion. Continued use of the site means you accept the updated Terms.

Making a Purchase

When you order an Item from www.thebank102.com, you are making an offer to buy it at the stated price, subject to these Terms. Follow the on-screen instructions to place an order and click the [Confirm Order] button to complete the process. We will send you an email with your order details and payment reference. This is not an order confirmation or acceptance.

We will notify you via email once we dispatch your order, at which point the contract between us is complete. If you have any questions about your order, contact Customer Services at 020 7722 5883 or info@thebank102.com.

We may not accept your order if an item is out of stock, payment authorization fails, or there is a product or pricing error. If we cannot fulfill your order, we will inform you by email or phone.

Price and Delivery

Orders

For international orders, select your location from the drop-down menu at the bottom of the page. If your country is not listed, please contact us. Orders outside the UK may incur import duties and taxes, which you are responsible for paying. Check with your local customs office for more information.

We aim to deliver your items promptly and in perfect condition. Check our delivery page for more details. Please order with enough lead time to avoid disappointment. If there is a delivery delay, we will notify you and resolve the issue as quickly as possible. Each order is treated individually.

We can deliver to addresses other than the billing address, such as for gifts. A copy of the invoice will be sent to the cardholder’s registered email and home address, and a signature will be required upon delivery.

Ensure you have selected the correct shipping address; otherwise, checkout will fail.

Returns

Items purchased from our boutique at 102 St John's Wood High Street can be returned within 14 days for a credit note or refund if in immaculate condition with tags attached, except for sale items which are non refundable. Customized, made-to-measure, or bespoke items cannot be returned.

For online purchases, items must be in perfect condition with all labels attached and returned to our address within 14 days for a refund or exchange. For exchanges, new items will be shipped upon receipt of the returned package and any additional payment required.

New and unused means no marks or wear on the item or tags. If an item does not meet these criteria, it will be sent back to customer, and no refund will be issued. Contact us at info@thebank102.com for any queries or further information.

Credit Cards

Orders on www.thebank102.com can be processed online using a valid credit or debit card. Your credit card company may conduct a security check to confirm the order. All cardholders are subject to validation checks and authorization by the card issuer. If authorization fails, we are not liable for any delay or non-delivery.

Passing of Property and Risk

We retain legal ownership of Items until full payment is received. If we refund your payment, ownership reverts to us. Risk in the Items passes to you upon delivery.

Contacting Us

For assistance with orders or any queries, contact us at 020 7722 5883 during boutique hours or email info@thebank102.com.

Copyright and Trademarks

All content on the website, including text, graphics, logos, icons, images, audio clips, data compilations, and software, is the property of P & E FASHION RETAIL LIMITED, our affiliates, partners, or licensors and is protected by UK and international copyright laws.

The trademarks, logos, and service marks on the website are the registered and unregistered marks of The Bank, our affiliates, licensors, or partners, protected by UK and international trademark laws. You may not use the content or trademarks without our prior written consent.

Limited License

We grant you a limited, revocable, non-exclusive license to access and use the website for personal use. You may not frame, link to, or utilize framing or linking techniques to enclose the website or any part of it without our prior written consent. This license does not include the right to:

Modify or download the website or its contents (except caching or viewing content).
Make any use of the website or its content other than personal use.
Create any derivative work based on the website or its content.
Collect account information for another party.
Use any meta tags or other "hidden text" using our name or trademarks without our express written consent.
Use software robots, spiders, crawlers, or similar data gathering and extraction tools.

You are granted a limited, revocable, non-exclusive right to create a hyperlink to the home page of the website for personal, non-commercial use. The linking website must not imply endorsement by us, misrepresent its relationship with us, or contain inappropriate content. We may request the removal of any link to the website at our discretion.

Unauthorized use of the website terminates the limited license without prejudice to any other remedies.

Third-Party Links

We are not responsible for the content of any off-website pages or other websites linked to or from the website. Links are for convenience only and are not endorsements. You access linked websites at your own risk. Review the terms and privacy policies of all websites you visit.

Submissions

We welcome inquiries and feedback but do not accept unsolicited suggestions and ideas. Any inquiries, feedback, suggestions, ideas, or other information provided ("Submissions") are non-proprietary and non-confidential. By transmitting a Submission, you grant us a non-exclusive, royalty-free, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, sell, assign, translate, create derivative works from, distribute, and display the Submission.

You represent and warrant that you own or control the rights to your Submission and that it does not contain software viruses, commercial solicitation, chain letters, mass mailings, or "spam". You agree to indemnify us for all claims arising from your rights in any Submission.

Representations and Warranties: Limitations of Liability

We make no representations or warranties of any kind, express or implied, regarding these Terms or the website, except as legally required. To the fullest extent permitted by law, we are not liable for:

Business interruptions.
Access delays or interruptions.
Data non-delivery, corruption, destruction, or other modifications.
Losses from off-website links.
Computer viruses, system failures, or malfunctions during website use.
Inaccuracies or omissions in the content.
Events beyond our control.

Our maximum aggregate liability is £100. In countries that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the maximum extent permitted by law.

Disputes

Disputes related to your website use or Item purchases from The Bank shall be submitted to confidential arbitration in London, except for intellectual property rights violations, which may be addressed in the English Courts. Arbitration shall follow the rules of the International Chamber of Commerce, and the arbitrator’s award shall be binding. Disputes not subject to arbitration shall be submitted to the courts in London.

General

These Terms, along with our Privacy Policy, constitute the entire agreement between us regarding website use and Item purchases. If any part of these Terms is deemed invalid, the remaining provisions remain in effect. Waivers must be in writing and do not affect other provisions. We may change these Terms at any time, and changes are effective immediately upon posting. Continued website use means you accept the updated Terms.

We reserve the right to terminate any rights granted by these Terms and to refuse service, remove content, or cancel orders at our discretion. Contact us at info@thebank102.com with any questions.