This service is operated by Redpoint Consulting Limited.

The services provided by Redpoint Consulting Limited ("Redpoint") through the Website ("Service" or "Services") and the use of the Website are governed by these Terms and Conditions ("Terms and Conditions"). By accessing or using the Services or the Website or by registering as a bidder ("Bidder" or "User"), you agree that

1. You have read the Terms and Conditions,
2. You understand the Terms and Conditions, and
3. Your use of the Services and the Website will be in accordance with the Terms and Conditions.

If you do not agree to the Terms and Conditions, you may not access or use the Services or the Website.

The parties agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this contract or its subject matter or formation (including non-contractual disputes or claims)

The Terms and Conditions together with any additional terms and conditions specific to a particular auction constitute the entire agreement (the "Agreement") between Redpoint and User  and replace any earlier version of the Terms and Conditions.

Redpoint may amend  the Terms and Conditions at any time, at Redpoint's sole discretion, without notice. Any amendment of the Terms and Conditions will be displayed on the Website.  Use of the Services and the Website constitutes an acceptance of the current Terms and Conditions.

Role of Redpoint.

Redpoint provides the Services and the Website only as a service for auctioneers ("Sellers") who offer for sale items and Bidders may may bid these items. Redpoint is neither a principal with interest in the transactions, nor an agent of Bidder or Seller. Redpoint does not make, and should not be construed as having made, any representation or warranty of any kind concerning any of the offered assets or offerings, including without limitation any representation or warranty regarding the quality, safety or legality of the offered assets, or the truth or accuracy of any offerings.

Redpoint makes no representation or warranty of any kind as to the ability of either Bidder or Seller to complete a sale in accordance with these Terms and Conditions or otherwise, and in accordance with any additional terms and conditions specific to a particular auction.

Redpoint does not have the power to transfer title of any assets offered by Sellers.

Redpoint may at its sole discretion to block any User who does not comply with the Terms and Conditions.

In the event of any dispute regarding any transaction conducted through use of the Services or the Website the User hereby releases Redpoint, its partners and subsidiaries, and their respective directors, employees, agents and successors in title and each of the foregoing, from any and all manner of action or claim  and from any and all losses, damages, costs or expenses, including without limitation court costs and legal fees, which User may have against the Released Parties.

In particular, Redpoint shall not be held responsible for any loss, damage or cost or expense arising from the use of the Service, or in Redpoints' failure to provide The Service. The Service is not guaranteed to be error free or to be available at any time.

Terms & Conditions of Sale

THE PLACING OF A BID SHALL CONSTITUTE ACCEPTANCE OF THESE CONDITIONS OF SALE BETWEEN BIDDER AND GOLDEN OAK ONLINE AUCTIONS ("GOOA")

BIDDING

1. ALL bids are per lot, as numbered in the online presentation. GOOA, as agent for the consignor, shall regulate the bidding and shall determine the manner in which the bidding shall be conducted. GOOA reserves the right to withdraw any lot prior to sale (without liability to any potential purchaser or agent), to re-offer any withdrawn lot, and to refuse any bid believed not made in good faith. Estimates of sales prices contained in the online presentation reflect the best judgment of GOOA and its consultants.

2. (a) Bids shall be made in the increments set forth on the website. Bidding steps are as published in the following link: click here to see them online. Bids made out of increment will be reduced to the next increment. Example: $603 bid will be reduced to $600, etc.
(b) The highest bid acknowledged by GOOA shall prevail. Should a dispute arise between bidders GOOA alone shall determine who the successful bidder is and whether to reoffer the lot in dispute. Should a dispute arise after the sale, GOOA's records shall be conclusive. On all lots sold, a commission of 20% on the hammer price is payable by the buyer to GOOA together with any sales and use tax or customs duties.

3. (a) GOOA reserves the right to bid on behalf of clients (and consignors or vendors) but shall not be liable for errors and omissions in executing instructions to bid, however received, and whether such errors or omissions be those of the bidder or agent or those of GOOA.
(b) Some lots being offered may be subject to a reserve price.
(c) In some instances, consignors may have been advanced monies against the sale of their consigned material and GOOA therefore will have a security interest in the consigned material over and above the normal auction commission.
(d) Any purchases made by a consignor or vendor or his agent on his own lots shall be considered as a sale subject to commissions and sales tax as applicable.

PAYMENT FOR PURCHASES

4. Payment for lots, including those on which opinions for experts are desired shall be made as follows: successful bidders will be notified of lots purchased immediately following the sale. Before GOOA will send such lots, payment in full must be received by GOOA within five (5) business days of receipt of the aforesaid notification by the bidder. However, a purchaser known to GOOA at its option may have purchases delivered or forwarded for immediate payment. Unless otherwise acceptable to GOOA, payment is to be made only in the form of cash, bank check or certified check, personal check (which must clear prior to delivery of lots), credit card (AMEX, Visa, MasterCard and Discover), PayPal or a bank wire transfer (Please contact us for our wiring instructions.) Payments made by credit card are accepted as a courtesy without surcharge, if paid within 15 days of sale date.

5. Title shall not pass to the purchaser until full payment has been received by GOOA as agents for the consignor or vendor.

6. Mailed delivery of purchases will be to the address on file and proof by GOOA of receipt of a sending at the advised address shall constitute delivery. All charges for handling, delivery and insurance obtained by GOOA on behalf of the purchaser shall be added to the purchase price.

7. (a) Purchasers agree to pay for lots as specified in Condition of Sale 4 and no credit is extended; a late payment charge of 2% per month or fraction thereof shall be added if payment is not made in accordance with the aforesaid conditions.
(b) In the event that a bidder shall fail to comply with these conditions of sale ("non-complying bidder"), then, as to any lot with respect to which such failure to comply occurs, GOOA, may, in its sole discretion, re-offer such lot during the same auction or at an auction at a later time, or by private treaty at such time as GOOA, in its sole discretion, deems appropriate and the non-complying bidder shall be liable for the deficiency, if any, between the hammer price and the net proceeds of a sale to a subsequent purchaser, whether at auction or by private treaty, as well as for all costs and expenses of both sales, all other charges due thereunder, including commissions with respect to both sales, whether payable to GOOA or to a third party and all incidental damages. It shall be in GOOA's sole discretion to determine whether to re-offer the lot theretofore hammered-down to a non-complying bidder at the same auction, or by private treaty in due course, or at a subsequent auction conducted by GOOA. In no event shall any surplus arising from the sale of a re-offered lot be payable to a non-complying bidder.
(c) A defaulting purchaser shall be deemed to have granted GOOA a security interest in property in GOOAs possession owned by such purchaser. GOOA shall have all of the rights afforded a purchase money secured party under the state of California Uniform Commercial Code with respect to such property and may apply against such obligations all monies held or received by it for the account of, or due from GOOA to such purchaser. GOOA is authorized to file a financing statement in order to perfect its rights as a secured party.
(d) If GOOA takes any legal steps to secure payment of a delinquent account, the defaulting purchaser shall be liable for all legal and other expenses incurred by GOOA to secure such payment, including but not limited to a reasonable allowance for attorneys' fees. For purposes of this paragraph, the term legal steps shall be deemed to include any and all consultation by GOOA with its attorneys with respect to all matters arising out of a delinquent account.

QUALITY AND AUTHENTICITY: Coins

8. Each lot is sold as genuine, unless specifically described as "sold as is". This is a limited warranty that the item sold is not counterfeit, that its date or mintmark has not been altered, and that the coin has not been repaired. Any other warranty is expressly disclaimed; GOOA offers no representation that a numismatic item has or has not been cleaned; that any toning is natural or artificial; that any coin will meet the standards or grade of any independent grading service; that any item has a particular provenance or pedigree, or that a numismatic item is struck or produced in a particular style. Any statement concerning such matters reflects an opinion only. Questions regarding the minting of a coin as a proof or as a business strike relate to the method of manufacture and not to authenticity.
(a) The descriptions of each numismatic lot represent the cataloger's good faith opinion, or the opinion of an independent grading service, as to the state of preservation and strike. When a grade from an independent grading service is utilized, the information is provided strictly for the convenience of the bidder by mail, telephone or facsimile. Bidders and purchasers acknowledge that (i) grading is an art, not a science; (ii) the grades contained in the catalog represent the opinion of the auctioneer based upon its experience; (iii) that it is possible that two people will not always grade the same items alike; and (iv) as market conditions change, grading standards change, and will most likely continue to do so in the future. No warranty, whether expressed or implied, including any warranty of saleability, is made with regard to any grade description, which is merely an opinion that is likely to differ, even among experts. The purchaser assumes all risks related to the grading of a lot by an independent grading service.
(b) Grading or condition of rare coins may have a material effect on the value of the item(s) purchased; and the opinion of third parties (including independent grading services) may differ from the independent grading service's opinion or interpretation of GOOA. GOOA shall not be bound by any prior or subsequent opinion, determination or certification by any independent grading service.
(c) All oral and written statements made by GOOA and its employees (including affiliated and related companies) are statements of opinion only, and are not warranties or representations of any kind, unless stated as a specific written warranty, and no employee or agent of GOOA has authority to vary or alter these Terms and Conditions of Sale. Any alteration shall be effective only if in writing and signed by an officer of GOOA authorized to do so.
(d) Bidders shall have no recourse against the consignor for any reason whatsoever.
(e) Notwithstanding anything to the contrary in these Terms and Conditions of Sale, any coin offered by us that has been graded by PCGS, NGC, ICG, SEGS, ACCUGRADE, PCI, NTC or ANACS may not be returned for any reason whatsoever. Please note that lack of a CAC seal does not necessarily mean that a coin was rejected. Not all coins were submitted for examination.

QUALITY AND AUTHENTICITY: Stamps, Autographs, Art and All Other Non-Numismatic

9. Each lot is sold as genuine and correctly described, unless specifically described as "sold as is". Potential buyers may request additional imaging or clarification to GOOA on any lot(s).
(a) Quality. Any lot which a purchaser considers to be incorrectly described may be returned to GOOA within two weeks of its receipt by such purchaser ("returning purchaser"), provided, however, that the same is received by GOOA within four weeks of the date of the auction; however, GOOA may, in its discretion, refuse acceptance of such returned lot. In the event that a dispute cannot be resolved by reference to a mutually acceptable authority, and GOOA thereupon undertakes to re-offer the lot with a description identical to the description disputed, the returning purchaser shall be liable for the deficiency, if any, between the proceeds of the sale to the returning purchaser and the proceeds of a sale to a subsequent purchaser, as well as for all costs and expenses of the re-sale, including commission, and all incidental damages. Any lot, the description of which is disputed, must be returned intact and in the original packaging and in the condition received (unaltered) by the purchaser. The following lots are not returnable except at the discretion of GOOA: (i) lots examined by postal viewers; (ii) lots on account of their appearance, if they are illustrated online; or (iii) lots described as having repairs, defects or faults for any reason. (iv) lots containing more than ten (10) items.
(b) Authenticity. If an opinion of a mutually acceptable authority is desired, the period of time within which a lot must be received by GOOA will be extended however, GOOA must be notified within 15 days of the date of the auction. Any lot which is declared otherwise than genuine by a mutually recognized authority is returnable, provided such lot is received by GOOA within four weeks of the date of the auction. Proof that a mutually acceptable authority declines to express an opinion is not grounds for the return of a lot. (i) Expenses incurred by a purchaser in the submission and the return of a lot under Conditions of Sale 7 is not subject to refund. (ii) Numerical grading is subjective and is based upon the condition of each issue. Lots may not be returned if a third party grades a stamp at lower than our grade. (iii) Lots with existing certificates from any widely accepted and reputable expertizing authority, within their specialty and dated within the last seven (7) years from the date of sale, will be offered and sold on an "as-is" basis and as so stated on the certificate. Such lots may not be returned for any reason, including but not limited to a contrary verbal or written opinion or certificate.

SALES TAX/CUSTOMS DUTIES

10. Unless presentation of satisfactory proof that it is exempted by law, a purchaser shall pay to GOOA the sales and use tax of the State claiming jurisdiction. Buyers outside the U.S. are responsible for all customs duties. A purchaser shall indemnify GOOA and hold it harmless of and from any claims of any jurisdiction for sales taxes relating to the purchase of articles at the auction, whenever the same may arise.

APPLICABLE LAW, JURISDICTION, ETC.

11. All matters arising out of this auction shall be governed by the laws of the state of Texas without giving effect to the choice of law principles thereof.

ARBITRATION

12. Any controversy or claim arising out of or relating to this auction shall be settled by arbitration in the city of Dallas, state of Texas in accordance with the rules of the American Arbitration Association and judgment upon the award rendered by the arbitrator or arbitrators may be entered in any court having jurisdiction.

JURISDICTION AND VENUE OF ACTIONS

13. The purchaser at this auction:
(a) consents and submits to the jurisdiction of the courts of the state of Texas and of the courts of the United States for a judicial district within the territorial limits of the state of Texas for all matters arising out of this auction sale, including, without limitation, any action or proceeding instituted for the enforcement of any right, remedy, obligation and liability arising under or by reason thereof; and
(b) consents and submits to the venue of such action or proceeding in the city of Dallas, state of Texas (or such judicial district of a court of the United States as shall include the same), and
(c) further consents that service of process in any action relating thereto may be effected by registered mail, return receipt requested address to the purchase at the address given to the auctioneer at the time of the sale.

BIDS BY TELEPHONE

14. (a) Must be confirmed in writing unless waived by GOOA.
(b) Any errors are the responsibility of the bidder.
(c) No bids accepted less than 1 hour before the commencement of the sale.

BIDS BY EMAIL

15. Bids must be received 1 hour before sale commences — be sure to use EMAIL: bids@GoldenOakOnlineAuctions.com

Privacy policy
1. Introduction
1.1 We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.
1.2 By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.
2. Credit
2.1 This document was created using a template from SEQ Legal (http://www.seqlegal.com).
3. Collecting personal information
3.1 We may collect, store and use the following kinds of personal information:
(a) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);
(b) information that you provide to us when registering with our website (including your email address, address, telephone number, other information);
(d) information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including [your name and email address]);
(e) information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use);
(h) information contained in or relating to any communication that you send to us or send through our website (including [the communication content and metadata associated with the communication]);
(i) any other personal information that you choose to send to us;
3.2 Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.
4. Using personal information
4.1 Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.
4.2 We may use your personal information to:
(a) administer our website and business;
(b) personalise our website for you;
(c) enable your use of the services available on our website;
(e) [supply to you services purchased through our website;]
(g) [send you non-marketing commercial communications;]
(h) [send you email notifications that you have specifically requested;]
(i) [send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);]
(k) [provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);]
(l) deal with enquiries and complaints made by or about you relating to our website;
(m) keep our website secure and prevent fraud;
(n) verify compliance with the terms and conditions governing the use of our website ; and
(o) share information with individuals and organisations where fraud, attempted fraud, hacking or attempted hacking has taken place.
4.3 If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.
4.4 Your privacy settings can be used to limit the publication of your information on our website, and can be adjusted using privacy controls on the website.
4.5 We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

5. Disclosing personal information
5.1 We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers, auction house cleints or subcontractors insofar as reasonably necessary for the purposes set out in this policy.
5.2 We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.
5.3 We may disclose your personal information:
(a) to the extent that we are required to do so by law;
(b) in connection with any ongoing or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
(d) [to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and]
(e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
5.4 Except as provided in this policy, we will not provide your personal information to third parties.
6. International data transfers
6.1 Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.
6.2 Information that we collect may be transferred to the following countries which do not have data protection laws equivalent to those in force in the European Economic Area: the United States of America, Russia, Japan, China and India.
6.3 Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
6.4 You expressly agree to the transfers of personal information described in this Section 6.
7. Retaining personal information
7.1 This Section 7 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.
7.2 Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
7.4 Notwithstanding the other provisions of this Section 7, we will retain documents (including electronic documents) containing personal data:
(a) to the extent that we are required to do so by law;
(b) if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).
8. Security of personal information
8.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
8.2 We will store all the personal information you provide on our secure (password- and firewall-protected) servers.
8.3 All electronic financial transactions entered into through our website will be protected by encryption technology.
8.4 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
8.5 You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).
9. Amendments
9.1 We may update this policy from time to time by publishing a new version on our website.
9.2 You should check this page occasionally to ensure you are happy with any changes to this policy.
9.3 We may notify you of changes to this policy [by email or through the private messaging system on our website].
10. Your rights
10.1 You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:
(a) the payment of a fee (currently fixed at GBP 10); and
(b) the supply of appropriate evidence of your identity [(for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address)].
10.2 We may withhold personal information that you request to the extent permitted by law.
10.3 You may instruct us at any time not to process your personal information for marketing purposes.
10.4 In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.
11. Third party websites
11.1 Our website includes hyperlinks to, and details of, third party websites.
11.2 We have no control over, and are not responsible for, the privacy policies and practices of third parties.
12. Updating information
12.1 Please let us know if the personal information that we hold about you needs to be corrected or updated.
13. Cookies
13.1 Our website uses cookies.
13.2 A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
13.3 Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
13.4 Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
13.5 We use both session and persistent cookies on our website.
13.6 The names of the cookies that we use on our website, and the purposes for which they are used, are set out below:
(a) we use cookies on our website to recognise a computer when a user visits the website / track users as they navigate the website / enable the use of a shopping cart on the website / improve the website's usability / analyse the use of the website / administer the website / prevent fraud and improve the security of the website / personalise the website for each user ;
13.7 Most browsers allow you to refuse to accept cookies; for example:
(a) in Internet Explorer (version 11) you can block cookies using the cookie handling override settings available by clicking "Tools", "Internet Options", "Privacy" and then "Advanced";
(b) in Firefox (version 36) you can block all cookies by clicking "Tools", "Options", "Privacy", selecting "Use custom settings for history" from the drop-down menu, and unticking "Accept cookies from sites"; and
(c) in Chrome (version 41), you can block all cookies by accessing the "Customise and control" menu, and clicking "Settings", "Show advanced settings" and "Content settings", and then selecting "Block sites from setting any data" under the "Cookies" heading.
13.8 Blocking all cookies will have a negative impact upon the usability of many websites.
13.9 If you block cookies, you will not be able to use all the features on our website.
13.10 You can delete cookies already stored on your computer; for example:
(a) in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);
(b) in Firefox (version 36), you can delete cookies by clicking "Tools", "Options" and "Privacy", then selecting "Use custom settings for history" from the drop-down menu, clicking "Show Cookies", and then clicking "Remove All Cookies"; and
(c) in Chrome (version 41), you can delete all cookies by accessing the "Customise and control" menu, and clicking "Settings", "Show advanced settings" and "Clear browsing data", and then selecting "Cookies and other site and plug-in data" before clicking "Clear browsing data".
13.11 Deleting cookies will have a negative impact on the usability of many websites.
14. Our details
15.1 This website is owned and operated by Redpoint Consulting Limited.
15.2 We are registered in England and Wales under registration number [number], and our registered office is at The Stables, Hoarstone Court, Trimpley Lane, Bewdley, Worcs.
15.3 You can contact us by writing to the business address given above, by using our website contact form, by email to info@live-bidder.com or by telephone on +44 7971 883371.