1. These terms
   1.1. Through our website, you are able to make an application for finance for the purchase of a vehicle. This finance is not provided by SG Petch but rather, we will put you in touch with our finance provider. These are the terms and conditions (Terms) that apply when you express an interest in applying for finance on a car which you purchase from SG Petch using our website www.sgpetch.co.uk (Site). These Terms may change from time to time so make sure you check these Terms each time you use this function on our Site.
   1.2. Please make sure you read these Terms carefully before you apply for finance, read our Initial Disclosure Document here and observe our Privacy Policy here. When you are connected to a finance provider, please be aware that use of their platforms and processes will be subject to their privacy policy and SG Petch does not have direct control over how they may handle your personal data. We suggest that you also keep a copy of these Terms for the future. These Terms will explain your vehicle reservation fee (if applicable), how we value your part exchange (if applicable) and how we refer your application for finance on a vehicle.
2. Who are we?
   2.1. The Site is operated by SG Petch Limited a company registered in England (company number 2479069). Our registered office is at McMullen Road, Darlington, County Durham, DL1 1XZ. Our registered VAT number is GB 259467318.
   2.2. If you would like to get in touch, you can find our contact details here
3. Who is selling you the car?
   SG Petch will be the supplier of the Car and will sell the Car to you.
   3.1. When you use our Site to apply for finance on a vehicle purchased from SG Petch, the information you provide will be sent via secure connection to Black Horse Finance for underwriting. Once your application has been processed by Black Horse Finance, one of our representatives will then contact you either by phone or email to discuss your application.
   3.2. Occasionally, we may become aware after receiving your application that we are unable to proceed with the sale of the vehicle, in which case we will notify you by phone or email. Some examples of reasons why we may do this include:
   3.3.1. the Car you have chosen has already been sold.
   3.3.2. there is an error in the price or description of the Car; and
   3.3.3. where you are part exchanging your current car (Part Exchange Car) with us and you have provided incorrect details in relation to the Part Exchange Car or any of the circumstances set out below applying to the Part Exchange Car. You should be aware that there may be reasons other than those reasons mentioned in section
   3.4. above why we do not accept your application
   3.5. If we are not able to proceed with your application, you will not be liable for the Purchase Price for the Car (or the reservation fee or deposit if you have chosen to pay for the Car using finance from a Lender). We will contact you to try and correct the reason why we have not been able to accept your application.
   3.6. You must also be resident in the United Kingdom to purchase a Car from us.

Part-Exchange Valuation Guide

When using the part-exchange valuation tool on www.sgpetch.co.uk, the valuation is an estimate of what you might get from SG Petch in part-exchange for another car.

Our part-exchange value is based on your vehicle being in Good Condition and is subject to appraisal. SG Petch could give you more or less. It’s a good guide price, but part-exchange values depend on many factors, including the condition of your car, any extra features and service history

What determines a car’s condition?

• Bodywork needs minor repair, with some significant chips and scratches
• Minor or cosmetic damage to wheels
• Minor or cosmetic damage to lights, glass and mirrors
• Interior has wear and tear, with some damage or staining
• Some interior equipment does not work
• Tyres are safe and legal, but tread depth may be close to legal limit
• Documentation and keys present
• Large gaps in service history
• Current MOT
• No outstanding finance

• Minor or cosmetic damage to bodywork, wheels, tyres and interior
• Minor or cosmetic damage to lights, glass and mirrors
• All tyres are safe and legal
• Documentation and keys present
• Partial, documented service history
• Current MOT
• No outstanding finance
• It is not a write-off (category C, D, S or N vehicle)

• No damage to bodywork, wheels, tyres and interior
• No damage to lights, glass and mirrors
• All tyres are safe and legal
• Documentation and keys present
• Full, documented service history
• Current MOT with at least six months to run
• No outstanding finance
• It is not a write-off (category C, D, S or N vehicle)

What affects a car’s value?

The guide prices we provide gives you a good idea what the car might be worth, depending on how you're buying or selling it. However, many factors can influence the price, including:

• Cars of similar ages can have vastly different levels of wear and damage.

• Typically, cars with more previous owners are worth less, especially if they lack documentation too.

• Features like sat navs, leather seats and panoramic sunroofs can bump up the value.

• Certain colours can be more desirable, depending on current trends and fashions.

• Cars are worth more with a fully-documented service history.

• Buyers often pay more for a long MOT.

• Additions like body kits, spoilers and so on can increase or decrease the value.

• Some cars are desirable because there aren't so many of them around.

• Such as extended warranties.

Things that can make the value go up

Any optional extras that make a car stand out, for example a rear-facing camera to help with parking or an in-built sat nav and multimedia system.

Some colours are more popular than others, so a car in a sought-after colour can be worth more.

Our car values are based on the car being in a good condition – so it could have some minor wear and tear like small stains or scratches. If a car has no damage at all and is in an excellent condition it’s likely be worth more than our guide price.

A car with a complete record of all services can be worth more than one that has some gaps in the service history

Things that can make the value go down

Our car values assume the car has some minor damage, like a small stain on the back seat or scratch on the bumper. If the damage is any more significant than this it’s likely to reduce the value of the car

If anything needs fixing, for example a seat warmer or electric window doesn’t work, it will have a negative impact on the car’s value.

Our valuations assume a car is in good working order. If there isn’t a current MOT or significant gaps in the records of services, it can reduce the value of a car.

Usually, the fewer owners the more a car is worth. So if a car has been sold many times before it can reduce the value

SG Petch use prices from similar vehicles advertised on Auto Trader as well as ex fleet and leasing vehicles and those sold at auctions. Our valuations play back what's in the market, and because the used-car market changes quickly, we update our valuations every day.

Vehicle Reservation Terms and Conditions

• Definitions In these terms, unless the context requires otherwise, the following definitions apply:-
• Bodywork needs minor repair, with some significant chips and scratches
• b. "SG Petch Dealership" means one of the motor vehicle dealerships owned and operated by SG Petch Ltd, including but not limited to those trading as SG Petch, which are listed on www.sgpetch.co.uk and advertising the Vehicle for sale;
• c. "Customer" means an individual who wishes to inspect a Vehicle at the SG Petch Dealership;
• d. "Reservation" means the process by which a Vehicle is reserved at a retail Customers request in accordance with these terms and conditions;
• e. "Order Form" means the standard form used by the SG Petch Dealership;
• f. "Purchase" means the entering into a contract by the completion and signing of an Order Form;
• g. "Reservation Fee" means the sum of £99 payable by a Customer in respect of a Vehicle;
• h. "Vehicle" means the passenger car (being a car intended for the carriage of passengers) and light commercial vehicles (such as small vans and pick-up trucks and commercial vehicles) that a Customer wishes to be reserved;
  o "Working Day" means any day except Saturday, Sunday or any bank or customary public or statutory holiday in England and Wales;
• These are the terms and conditions that apply to the exclusion of all others (including any verbal statement or representation) in respect of the Reservation Fee.
• Reservation is only available to Vehicles advertised on www.sgpetch.co.uk where the Vehicle is advertised with the Reservation Fee option.
• A Reservation Fee can only be paid online at www.sgpetch.co.uk.
• To secure a Vehicle reservation, the Reservation Fee must be paid by debit or credit card in the name of the Customer. The Customer must also provide their: name, full postal address, telephone number, email address, chosen method of contact
• Once the Reservation Fee is confirmed as paid, SG Petch will reserve the Vehicle at the SG Petch Dealership for a period of [7] days. SG Petch will notify you via email of the start of the [7] day period.
• Within [7] days of notice being provided under Clause 6 the Customer must make an Appointment to view the Vehicle. An Appointment shall be either of: attending the SG Petch Dealership to view the Vehicle or receiving confirmation in writing from the SG Petch Dealership of the date, time, and location of the Appointment.
• Where a Customer attends the SG Petch Dealership and decides to Purchase the Vehicle by completing an Order Form, the Reservation Fee will be applied to the purchase price of that Vehicle as shown on the Order Form;
• Where a Customer attends an Appointment and notifies SG Petch, on the day of the Appointment, that they do not want to Purchase the Vehicle, the Reservation Fee will be refunded by way of credit to the payment card used in accordance with Clause 5 within five Working Days.
• Where a Customer does not comply with the requirement of Clauses 7 or 9, the Reservation is forfeit and will not be refunded.
• Customers may only make one Reservation at any one time.
• The Reservation Fee is not a deposit, and shall not constitute a contract for the sale or purchase of the Vehicle.
• A person who is not a party to the terms herein shall not have any rights under or in connection with it and the provisions of the Contracts (Rights of Third Parties) Act 1999 are expressly excluded
• These terms and conditions are governed by the laws of England and Wales.
• The Parties submit to the exclusive jurisdiction of the English Courts.
• Nothing in these terms and conditions will affect or limit the statutory rights of a consumer.

• A summary of how we will use your personal information is set out in our privacy policy which can be found here