Refund policy

Online Terms & Conditions of Supply of Goods

YOUR ATTENTION IS DRAWN TO THE PROVISIONS OF THE FOLLOWING CLAUSES HEADED:

2. OUR CONTRACT WITH YOU
3. PLACING AN ORDER AND ITS ACCEPTANCE
5. RETURN AND REFUND
6. DELIVERY, TRANSFER OF RISK AND TITLE
7. INTERNATIONAL DELIVERY
8. PRICE OF GOODS AND DELIVERY CHARGES
10. OUR WARRANTY FOR THE GOODS
11. OUR LIABILITY
12. TERMINATION
13. EVENTS OUTSIDE OF OUR CONTROL
14. GENERAL

1. About Us

1.1 Company detailsHALO TECHNOLOGIES EUROPE LTD,  company incorporated in Northern Ireland with registered number NI660793, having its registered office at 5P Weavers Court, Linfield Road, Belfast, BT12 5GH, United Kingdom (“we” and “us”). Our VAT number is GB326553501. We operate the website https://shop.halovault.cam/.

1.2 Contacting us. To contact us, telephone our customer service team at +44-(0)-28-90-230-510  or email support@haloeurope.com. How to give us formal notice of any matter under the contract is set out in Clause 15.1]

2. Our Contract with You

2.1 Our contract. THESE TERMS AND CONDITIONS (“TERMS”) APPLY TO THE ORDER BY YOU AND THE SUPPLY OF GOODS BY US TO YOU (“CONTRACT”). WE MAKE AND ACCEPT NO WARRANTIES, REPRESENTATIONS, CONDITIONS, EITHER EXPRESS OR IMPLIED,  WHETHER IMPOSED BY STATUTE OR BY OPERATION OF LAW OR OTHERWISE, AND ALL OTHER TERMS OF ANY KIND WHATSOEVER IMPLIED BY STATUTE OR COMMON LAW ARE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EXCLUDED FROM THESE TERMS.

2.2 Entire agreement. THE CONTRACT IS THE ENTIRE AGREEMENT BETWEEN US IN RELATION TO ITS SUBJECT MATTER. YOU ACKNOWLEDGE THAT YOU HAVE NOT RELIED ON ANY STATEMENT, PROMISE OR REPRESENTATION OR ASSURANCE OR WARRANTY THAT IS NOT SET OUT IN THE CONTRACT.

2.3 Language. These Terms and the Contract are made only in the English language.

3. PLACING AN ORDER AND ITS ACCEPTANCE

3.1 Placing your order. Please follow the onscreen prompts to place an order. Each order is an offer by you to buy the goods specified in the order (“Goods”) subject to these Terms.

3.2 Correcting input errorsOur order process allows you to check and amend any errors before submitting your order to us. Please check the order carefully before confirming it. You are responsible for ensuring that your order, delivery address, and billing details is complete and accurate.

3.3 Acknowledging receipt of your orderAfter you place an order, you will receive an email from us acknowledging that we have received it (“Order Confirmation”), but please note that this does not mean that your order has been accepted. Our acceptance of your order will take place as described in Clause 3.4.

3.4 Accepting your order. We will confirm our acceptance to you by sending you an email that confirms that the Goods have been dispatched (“Dispatch Confirmation”). The Contract between you and us will only be formed when we send you the Dispatch Confirmation.

3.5 If we cannot accept your order. IF WE ARE UNABLE TO SUPPLY YOU WITH THE GOODS FOR ANY REASON, WE WILL INFORM YOU OF THIS BY EMAIL AND WE WILL NOT PROCESS YOUR ORDER. IF YOU HAVE ALREADY PAID FOR THE GOODS, WE WILL REFUND YOU THE FULL AMOUNT INCLUDING ANY DELIVERY COSTS CHARGED WITHIN 5 BUSINESS DAYS. 

4. Our Goods

4.1 Compliance with description. The images of the Goods on our site are for illustrative purposes only. The Goods may vary slightly from those images.

4.2 Dimension discrepancies. Although we have made every effort to be as accurate as possible, all sizes, weights, capacities, dimensions and measurements indicated on our site have a 2% tolerance.

4.3 Packaging. The packaging of the Goods may vary from that shown on images on our site.

4.4 Right to amend specifications: We reserve the right to amend the specification of the Goods if required by any applicable statutory or regulatory requirement.

5. Return and Refund

5.1 CANCELLATION. YOU MAY CANCEL THE CONTRACT AND RECEIVE A REFUND, IF YOU NOTIFY US AS SET OUT IN CLAUSE 5.2  WITHIN 30 DAYS OF YOUR RECEIPT OF THE DISPATCH CONFIRMATION.

5.2 Methods for cancellation. To cancel the Contract, you must submit an email request to support@haloeurope.com.  We will email you to confirm we have received your cancellation.

5.3 Method of Refund. If you have returned the Goods to us under this Clause 5 because they are faulty or mis-described, we will refund the price of the Goods  on the credit card used by you to pay. The refund will be issued upon inspection of the goods, ensuring they are unused and in the same conditions as they were received. 

5.4 Address for returns. If Goods have been delivered to you before you decide to cancel the Contract then you must return them (at your expense) to us without undue delay and in any event not later than 14 days after the day on which you let us know that you wish to cancel the Contract.

Our returns address is:
Attn: Returns Department
5P Weavers Court,
Linfield Road,
Belfast BT12 5GH

6. Delivery, Transfer of Risk and Title

6.1 Delivery. We will contact you with an estimated delivery date, which will be within 5 business days after the date of Dispatch Confirmation. Occasionally our delivery to you may be affected by an Event Outside Our Control. See Clause 14 for our responsibilities when this happens.

6.2 When delivery is complete. Delivery is complete once the Goods have been collected by a carrier organised to collect them from us and the Goods will be at your risk from that time.

6.3 Transfer of title. YOU OWN THE GOODS ONCE WE HAVE RECEIVED PAYMENT IN FULL, INCLUDING OF ALL APPLICABLE DELIVERY CHARGES.

6.4 Late or no delivery. IF WE FAIL TO DELIVER THE GOODS, OUR LIABILITY IS LIMITED TO THE COST OF OBTAINING REPLACEMENT GOODS OF A SIMILAR DESCRIPTION AND QUALITY IN THE CHEAPEST MARKET AVAILABLE, LESS THE PRICE OF THE GOODS. HOWEVER, WE WILL NOT BE LIABLE TO THE EXTENT THAT ANY FAILURE TO DELIVER WAS CAUSED BY AN EVENT OUTSIDE OUR CONTROL, OR BECAUSE YOU FAILED TO PROVIDE ADEQUATE DELIVERY INSTRUCTIONS OR ANY OTHER INSTRUCTIONS THAT ARE RELEVANT TO THE SUPPLY OF GOODS.

7. International Delivery

7.1 Destinations. We solely deliver to the UK.

7.2 Duties and Taxes. IF YOU ORDER GOODS FROM OUR SITE FOR DELIVERY TO ONE OF THE INTERNATIONAL DELIVERY DESTINATIONS, YOUR ORDER MAY BE SUBJECT TO IMPORT DUTIES AND TAXES WHICH ARE APPLIED WHEN THE DELIVERY REACHES THAT DESTINATION. PLEASE NOTE THAT WE HAVE NO CONTROL OVER THESE CHARGES AND WE CANNOT PREDICT THEIR AMOUNT. YOU WILL BE RESPONSIBLE FOR PAYMENT OF ANY SUCH IMPORT DUTIES AND TAXES. PLEASE CONTACT YOUR LOCAL CUSTOMS OFFICE FOR FURTHER INFORMATION BEFORE PLACING YOUR ORDER. 

7.3 Compliance with laws and regulations. YOU MUST COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS OF THE COUNTRY FOR WHICH THE GOODS ARE DESTINED. WE WILL NOT BE LIABLE OR RESPONSIBLE IF YOU BREAK ANY SUCH LAW.

8. Price of Goods and Delivery Charges

8.1 Price. The prices of the Goods will be as quoted on our site at the time you submit your order. We take all reasonable care to ensure that the prices of Goods are correct at the time when the relevant information was entered onto the system. However, please see Clause 8.5 for what happens if we discover an error in the price of Goods you ordered.

8.2 Pricing errors. Prices for our Goods may change from time to time, but changes will not affect any order you have already placed.

8.3 VAT. THE PRICE OF GOODS INCLUDES VAT (WHERE APPLICABLE) AT THE APPLICABLE CURRENT RATE CHARGEABLE IN THE UK FOR THE TIME BEING. HOWEVER, IF THE RATE OF VAT CHANGES BETWEEN THE DATE OF YOUR ORDER AND THE DATE OF DELIVERY, WE WILL ADJUST THE VAT YOU PAY, UNLESS YOU HAVE ALREADY PAID FOR THE GOODS IN FULL BEFORE THE CHANGE IN VAT TAKES EFFECT.

8.4 Delivery charges. THE PRICE OF THE GOODS DOES NOT INCLUDE DELIVERY CHARGES. OUR DELIVERY CHARGES ARE AS ADVISED TO YOU DURING THE CHECK-OUT PROCESS BEFORE YOU CONFIRM YOUR ORDER. TO CHECK RELEVANT DELIVERY CHARGES, PLEASE REVIEW OUR CHECKOUT PAGE..

8.5
Pricing mistakes. IT IS POSSIBLE THAT, DESPITE OUR REASONABLE EFFORTS, SOME OF THE GOODS ON OUR SITE MAY BE INCORRECTLY PRICED. IF WE DISCOVER AN ERROR IN THE PRICE OF THE GOODS YOU HAVE ORDERED, WE WILL CONTACT YOU  TO INFORM YOU OF THIS ERROR AND WE WILL GIVE YOU THE OPTION OF CONTINUING TO PURCHASE THE GOODS AT THE CORRECT PRICE OR CANCELLING YOUR ORDER. WE WILL NOT PROCESS YOUR ORDER UNTIL WE HAVE YOUR INSTRUCTIONS. IF WE ARE UNABLE TO CONTACT YOU USING THE CONTACT DETAILS YOU PROVIDED DURING THE ORDER PROCESS, WE WILL TREAT THE ORDER AS CANCELLED AND NOTIFY YOU. IF WE MISTAKENLY ACCEPT AND PROCESS YOUR ORDER WHERE A PRICING ERROR IS OBVIOUS AND UNMISTAKABLE AND COULD REASONABLY HAVE BEEN RECOGNISED BY YOU AS A MISPRICING, WE MAY CANCEL SUPPLY OF THE GOODS AND REFUND YOU ANY SUMS YOU HAVE PAID.

9. How to Pay

9.1 Payment. You can only pay for Goods using a credit card. We accept the following cards:

  • Visa
  • Mastercard
  • American Express
  • Discover 
  • Diner's Club 
  • Maestro
  • Union Pay
  • Apple Pay
  • Google Pay

9.2 Payment in advance. Payment for the goods and all applicable delivery charges is in advance. Your credit card will be charged upon placing the order. 

10. Our Warranty for the Goods

10.1 Compliance with laws, regulations and standards. WE DO NOT WARRANT THAT THE GOODS COMPLY WITH THE LAWS, REGULATIONS OR STANDARDS OUTSIDE THE UK.

10.2 Our warranty. WE PROVIDE A WARRANTY THAT ON DELIVERY AND FOR A PERIOD OF 90 DAYS FROM DELIVERY, THE GOODS SHALL:

(A) CONFORM IN ALL MATERIAL RESPECTS WITH THEIR DESCRIPTION AND SPECIFICATION; AND
(B) BE FREE FROM MATERIAL DEFECTS IN DESIGN, MATERIAL AND WORKMANSHIP. 

10.3 Warranty conditions. SUBJECT TO CLAUSE 10.4, IF

(A)  YOU GIVE US NOTICE IN WRITING WITHIN A REASONABLE TIME OF DISCOVERY THAT SOME OR ALL OF THE GOODS DO NOT COMPLY WITH THE WARRANTY SET OUT IN CLAUSE 10.2; IF
(B) WE ARE GIVEN A REASONABLE OPPORTUNITY OF EXAMINING THE GOODS; AND
(C) WE ASK YOU TO DO SO, YOU RETURN THE GOODS TO US AT YOUR COST, WE WILL, AT OUR OPTION, REPLACE THE DEFECTIVE GOODS, OR REFUND THE PRICE OF THE DEFECTIVE GOODS IN FULL.

10.4 Exclusions. WE WILL NOT BE LIABLE FOR BREACH OF THE WARRANTY SET OUT IN CLAUSE 10.2 IF:

(A) YOU MAKE ANY FURTHER USE OF THE GOODS AFTER GIVING NOTICE TO US UNDER CLAUSE 10.3;
(B) YOU ALTER OR REPAIR THE GOODS WITHOUT OUR WRITTEN CONSENT;
(C) THE DEFECT ARISES AS A RESULT OF FAIR WEAR AND TEAR, WILFUL DAMAGE, NEGLIGENCE, OR ABNORMAL STORAGE OR WORKING CONDITIONS; OR
(D) THE GOODS DIFFER FROM THEIR DESCRIPTION OR SPECIFICATION AS A RESULT OF CHANGES MADE TO ENSURE THEY COMPLY WITH APPLICABLE STATUTORY OR REGULATORY REQUIREMENTS.

10.5 No further liability. WE WILL ONLY BE LIABLE TO YOU FOR THE GOODS' FAILURE TO COMPLY WITH THE WARRANTY SET OUT IN CLAUSE 10.2 TO THE EXTENT SET OUT IN THIS CLAUSE 10 .EXCEPT AS EXPRESSLY STATED IN THESE TERMS, WE DO NOT GIVE ANY REPRESENTATIONS, WARRANTIES OR UNDERTAKINGS IN RELATION TO THE GOODS. ANY REPRESENTATION, CONDITION OR WARRANTY WHICH MIGHT BE IMPLIED OR INCORPORATED INTO THESE TERMS BY STATUTE, COMMON LAW OR OTHERWISE IS EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW. IN PARTICULAR, WE WILL NOT BE RESPONSIBLE FOR ENSURING THAT THE GOODS ARE SUITABLE FOR YOUR PURPOSES.

10.6 Replacement goods. These Terms also apply to any replacement Goods supplied by us to you.

11. Our Liability

11.1 Liability. REFERENCES TO LIABILITY IN THIS CLAUSE 11 INCLUDE EVERY KIND OF LIABILITY ARISING UNDER OR IN CONNECTION WITH THE CONTRACT INCLUDING BUT NOT LIMITED TO LIABILITY IN CONTRACT, TORT (INCLUDING NEGLIGENCE), MISREPRESENTATION, RESTITUTION OR OTHERWISE.

11.2 No resale use. WE ONLY SUPPLY THE GOODS FOR INTERNAL USE BY YOUR BUSINESS, AND YOU AGREE NOT TO USE THE GOODS FOR ANY RESALE PURPOSES.

11.3 Losses not excluded. NOTHING IN THESE TERMS SHALL LIMIT OR EXCLUDE OUT LIABILITY:

(A) UNDER THE TORT OF DECEIT;
(B) FOR DEATH OR PERSONAL INJURY CAUSED BY THE BREACH OF ANY OBLIGATION OR DUTY TO TAKE REASONABLE CARE OR EXERCISE REASONABLE SKILL WHICH ARISES FROM THE EXPRESS OR IMPLIED TERMS OF A CONTRACT OR UNDER COMMON LAW (BUT NOT ANY STRICTER DUTY); OR
(C) ANY OTHER LIABILITY TO THE EXTENT THAT, UNDER APPLICABLE LAW, IT CANNOT BE EXCLUDED OR LIMITED. 

11.4 No implied terms. THESE TERMS ARE IN LIEU OF ALL OTHER CONDITIONS, WARRANTIES AND OTHER TERMS CONCERNING THE SUPPLY OR PURPORTED SUPPLY OF, OR FAILURE TO SUPPLY OR DELAY IN SUPPLYING, OF ANY GOODS (EXCEPT FOR THOSE ARISING UNDER SECTION 11 OF THE SALE OF GOODS ACT, 1893, IF ANY) WHICH MIGHT BUT FOR THIS CLAUSE HAVE EFFECT BETWEEN US OR WOULD OTHERWISE BE IMPLIED OR INCORPORATED INTO THE CONTRACT OR ANY COLLATERAL CONTRACT, WHETHER BY STATUTE, COMMON LAW OR OTHERWISE (INCLUDING THE IMPLIED CONDITIONS, WARRANTIES OR OTHER TERMS AS TO SATISFACTORY QUALITY, FITNESS FOR PURPOSE OR AS TO THE USE OF REASONABLE SKILL AND CARE), ALL OF WHICH ARE HEREBY EXCLUDED.

11.5 Non-contractual liability. SUBJECT TO CLAUSE 11.3, WE DO NOT ACCEPT, AND EXCLUDE, ALL LIABILITY FOR BREACH OF ANY OBLIGATION OR DUTY TO TAKE REASONABLE CARE OR EXERCISE REASONABLE SKILL OTHER THAN ANY SUCH OBLIGATION OR DUTY ARISING UNDER THE CONTRACT.

11.6 Indirect loss. SUBJECT TO CLAUSE 11.3, WE SHALL NOT BE LIABLE IN CONTRACT, TORT OR OTHERWISE HOWSOEVER FOR ANY OF THE FOLLOWING LOSSES OR DAMAGE (WHETHER OR NOT SUCH LOSS OR DAMAGE WAS FORESEEN, FORESEEABLE, KNOWN OR OTHERWISE): (I) LOSS OF REVENUE, (II) LOSS OF ACTUAL OR ANTICIPATED PROFITS, (III) LOSS OF CONTRACTS, (IV)  LOSS OF THE USE OF MONEY, (V) LOSS OF ANTICIPATED SAVINGS, (VI) LOSS OF BUSINESS, (VII) LOSS OF OPPORTUNITY, (VIII) LOSS OF GOODWILL, (IX) LOSS OF REPUTATION, (X) LOSS OF, DAMAGE TO OR CORRUPTION OF DATA, OR (XI) ANY INDIRECT OR CONSEQUENTIAL LOSS HOWSOEVER CAUSED (INCLUDING, FOR THE AVOIDANCE OF DOUBT, WHETHER SUCH LOSS OR DAMAGE IS OF A TYPE SPECIFIED IN SUB-CLAUSES (I) TO (X) ABOVE) WHETHER ARISING OUT OF, OR IN CONNECTION WITH, OR IN RELATION TO ANY GOODS SUPPLIED UNDER THE CONTRACT OR THE SUPPLY OR NON-SUPPLY OR PURPORTED SUPPLY OR DELAY IN SUPPLY OF ANY GOODS UNDER THE CONTRACT OR OTHERWISE OUT OF OR IN CONNECTION WITH OR IN RELATION TO THE CONTRACT OR ANY TRANSACTION OR MATTER CONTEMPLATED BY IT.

11.7 Financial limit. SUBJECT TO CLAUSE 11.2, OUR TOTAL LIABILITY TO YOU FOR ALL LOSSES ARISING UNDER OR IN CONNECTION WITH THE CONTRACT WILL IN NO CIRCUMSTANCES EXCEED THE PRICE OF THE GOODS.

12. Termination

12.1 Failure to pay. WITHOUT LIMITING ANY OF OUR OTHER RIGHTS, WE MAY SUSPEND THE SUPPLY OR DELIVERY OF THE GOODS TO YOU OR TERMINATE THE CONTRACT WITH IMMEDIATE EFFECT BY GIVING WRITTEN NOTICE TO YOU IF YOU FAIL TO PAY ANY AMOUNT DUE UNDER THE CONTRACT ON THE DUE DATE FOR PAYMENT.

12.2 Accrued rights. Termination of the Contract shall not affect your or our rights and remedies that have accrued as at termination.

12.3 Survival of obligations. Any provision of the Contract that expressly or by implication is intended to come into or continue in force on or after termination shall remain in full force and effect.

13. Events outside our Control

13.1 Events outside our control. WE WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY FAILURE TO PERFORM, OR DELAY IN PERFORMANCE OF, ANY OF OUR OBLIGATIONS UNDER THE CONTRACT THAT IS CAUSED BY ANY ACT OR EVENT BEYOND OUR REASONABLE CONTROL (“EVENT OUTSIDE OUR CONTROL”).

13.2 If an Event Outside Our Control takes place that affects the performance of our obligations under the Contract:
(a) we will contact you as soon as reasonably possible to notify you; and

(b) our obligations under the Contract will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects our delivery of Goods to you, we will arrange a new delivery date with you after the Event Outside Our Control is over.

(c) You may cancel the Contract affected by an Event Outside Our Control which has continued for more than 30 days. To cancel please contact us. 

14. Communications

14.1 Notices. Any notice given under or in connection with the Contract must be in writing and be delivered by hand, sent by ordinary pre-paid post or other next working day delivery service, or email.

14.2 Deemed receipt. Any such notice, if so given, shall be deemed to have been served: (a) if sent by hand, when delivered; (ii) if sent by post, one business day after posting;  and (iii) if sent by e-mail, six hours after sending provided the sender has not received notice of failed or delayed delivery.

15. General

15.1 Severability. If the whole or any part of a provision of this Contract is or becomes illegal, invalid or unenforceable under the law of any jurisdiction, that shall not affect the legality, validity or enforceability under the law of that jurisdiction of the remainder of the provision in question or any other provision of the Contract and the legality, validity or enforceability under the law of any other jurisdiction of that or any other provision of the Contract.  

15.2 Standard form Documents. THE PARTIES RECOGNIZE THAT PRINTED FORM PURCHASE ORDERS, INVOICES AND OTHER COMMONLY USED FORM DOCUMENTS RELATING TO THE PERFORMANCE OF ANY OBLIGATIONS HEREUNDER MAY CONTAIN TERMS WHICH CONFLICT WITH ONE OR MORE TERMS OF THESE TERMS.  IN CASE OF ANY SUCH CONFLICT, THE RELEVANT TERMS OF THESE TERMS SHALL PREVAIL.

15.3 Variation. WE RESERVE THE RIGHT TO AMEND THESE TERMS IN OUR SOLE DISCRETION WITH 30 DAYS’ PRIOR WRITTEN NOTICE TO YOU. 

15.4 Governing law and jurisdiction. THE CONTRACT AND ANY NON-CONTRACTUAL OBLIGATIONS ARISING OUT OF OR IN CONNECTION WITH IT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH IRISH LAW AND EACH PARTY IRREVOCABLY AGREES TO SUBMIT ALL DISPUTES ARISING OUT OF OR IN CONNECTION WITH THE CONTRACT TO THE EXCLUSIVE JURISDICTION OF THE IRISH COURTS.

16. Interpretation

16.1 Construction: In these terms and conditions, unless the contrary intention is stated, a reference to:

(a) the singular includes the plural and vice versa;
(b)either gender includes the other and the neuter, and vice versa;
(c) a person shall be construed as a reference to any individual, firm or company, corporation, governmental entity or agency of a state or any association or partnership (whether or not having separate legal personality) or two or more of the foregoing;
(d) a person includes that person’s legal personal representatives, successors and permitted assigns;
(e) time shall be construed by reference to whatever time may from time to time be in force in Ireland;
(f) any agreement document or instrument is to the same as amended, novated, modified, supplemented or replaced from time to time;
(g) a clause or other provision is a reference to a clause or provision of these terms and conditions, and any reference to a sub provision is, unless otherwise stated, a reference to a sub provision of the provision in which the reference appears;
(h) ‘including’ means comprising, but not by way of limitation to any class, list or category;
(i) a law includes any provision of any constitution, statute, statutory instrument, order, by-law, directive,  regulation or decision of any governmental entity and any judicial or administrative interpretation of any of the foregoing, in each case, as amended, revised, modified or replaced from time to time;
(j) ‘writing’ includes a reference to any electronic mode of representing or reproducing words in visible form;
(k) ‘business day’ shall be construed as a reference to  a day (other than a Saturday or Sunday) on which the banks are generally open for business in Ireland; and
(l) ‘agreed form’ means in the form previously agreed by or on behalf of the Parties and signed for the purposes of identification by or on behalf of each of them.

16.2 Certain Rules of Construction dis-applied

(a) These terms and conditions shall be construed without regard to the rule of construction known as “ejusdem generis”.

(b) If any ambiguity or question of intent or interpretation arises, these terms and condition shall be construed as if drafted jointly by the Parties and no presumption or burden of proof shall arise favouring or disfavouring any Party by virtue of the authorship of any of the provisions of these terms and conditions.

16.3 Headings: Headings and captions are to be ignored in the construction of these terms and conditions.