Terms and Conditions

Terms and Conditions - Online


These are the Terms and Conditions for online transactions. Please click here for our in branch Terms and Conditions.


1.1 What these terms cover. These are the terms and conditions upon which you may sell gold items to us such as your unwanted and broken gold items e.g. chains, rings, tie pins, pendants, bracelets, cuff links, earrings, brooches and other gold jewelry.

1.2 Why you should read them. Please read these terms carefully before you confirm your order. These terms tell you who we are, how we will deal with any gold you may wish to offer to us for sale, how you and we may enter into and end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.


2.1 Who we are. We are Eurochange Limited, being a company incorporated in England & Wales with company number 02519424 and registered address at Russell House, Elvicta Business Park, Crickhowell, and Powys, NP8 1DF. We also trade under the name ‘NM Money Gold’.

2.2 How to contact us. You can contact us by writing to us at customerservices@eurochange.co.uk or Administration, Eurochange Limited, PO Box 435, Stevenage, SG1 9GA.

2.3 How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.

2.4”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.


3.1 To sell us your gold items, you must be over 18 years of age and be the owner of the relevant items, or have the owner’s permission to sell the items.

3.2 When selling us your gold items, we may have to ask for photographic ID and documented proof of UK address for certain transactions. Please see clause 11 below for details of ID documentation which we may accept. We can only send envelopes or return items to you at a residential address within the United Kingdom.

3.3 We may dispose of any items which we buy from you as we may decide in our sole discretion (including by melting them down).  We are unable to return any items once the transaction is completed.

3.4 We are not under an obligation to accept any offer from you to sell us your items. We reserve the right not to accept any offer which you may place with us, at our sole discretion, for any reason.
3.5 Do not use our service in breach of applicable laws. You must not use our service (as described in these terms) in breach of any applicable law, rule and/or regulation. In submitting items for possible sale to us, you warrant that you are not breaching and do not intend to breach any applicable law, rule and/or regulation whilst availing of the services set out in these terms.

3.6 By making an offer to us to sell your item(s) to us, you warrant that you are acting on your own behalf, that the information that you provide to us is true and accurate in all respects, that you will not withhold any material information from us, and you will provide us with any information that we may reasonably require.


4.1 Where you wish to deal with us online, we will send you a pre-paid envelope and an order form to complete.  You should complete the order form, and enclose it in the pre-paid envelope together with the gold item(s) you wish to offer for sale to us.  The pre-paid envelope must be handed into a Post Office who will provide you with a receipt and tracking reference. Only our pre-paid envelope can be used to send your gold item(s) and order form to us.

4.2 The maximum value per envelope is £750.00. It is your responsibility to ensure that this value is not exceeded. Your envelope will only be insured by the Post Office up to the value of £750.00.

4.2 We are responsible for your envelope (and its contents) only from the point it is signed for by us at our processing centre. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.

4.3 We do not guarantee next day delivery to us of the pre-paid envelope you send back to us. We will not be held liable for any issues, expenses or costs as a result of a delivery not arriving with us or any delivery to us being delayed or lost.

4.4 You can track your envelope by visiting www.royalmail.com/trackdetails using the tracking reference provided to you by the Post Office.

4.5 We have no responsibility for any failed or missing deliveries which will be dealt with under the Royal Mail’s claims procedure. An insurance payment may be payable following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf and only up to the value of £750.00 per envelope. You will need to provide us with the Post Office receipt and tracking reference and any other assistance which we may need in order to process the insurance claim with the Royal Mail. In these circumstances we will only pay you what we actually receive from the Royal Mail in respect of your envelope.


5.1 When we receive your envelope, order form and gold item(s)one of our trained staff will value your gold, based on the carat and weight (not on the retail resale value). For details of the current prices please see our Website or contact the Eurochange/NM Money Team.

5.2 You agree that we may test your gold as part of the valuation process. This process may result in a small mark being left on your gold, and you agree to this and understand that it is possible this may reduce the value of your gold if you decide not to sell to us.

5.3 If following testing we cannot verify your items as being gold, we will return them to you via a Royal Mail Special Delivery Envelope.


6.1 Once we have valued your item(s), we will let you know the price that we will pay you for them by telephone, letter or email, depending on the contact details you have provided.

6.2 If you accept our offer to buy your gold then the terms of paragraph 7 will apply.

6.3 If you do not accept the offer your item(s) will be returned to you via Royal Mail Special Delivery Envelope.

6.4 Once you have accepted our offer to buy your gold (and your acceptance may be given orally over the telephone) this will create a binding agreement between us for you to sell the gold item(s) to us at the price quoted by us and for us to buy those item(s) from you at that price. You can only cancel that contract with our agreement.


7.1 Payment will be made via BACS to the nominated account details provided by you.  Payment may take up to 5 days to credit your account.

7.2 Payment will be made in GBP sterling through the BACS system to the account details provided on your order form.


8.1 If we cannot verify your items as gold (or if we do not want to purchase them from you for some other reason) or if you do not decide to accept our offer, we will return your items to you by Royal Mail Special Delivery Envelope [at our expense and will insure it up to a value of £750].


9.1 Our gold purchase minimum value is £75 per sale/purchase transaction. We also have maximum values on our gold purchase transactions – which may vary from time to time and may also restrict individual customers from making multiple offers to sell gold items to us over a limited period of time. Details of our gold purchase maximum value limits can be obtained from us (either in branch or via our web site).

9.2 You should be aware that the Royal Mail insurance on special delivery envelopes is £750 per envelope. Accordingly if you have a number of items which exceed a value of £750 you will need to use more than one envelope (ensuring a maximum value in each envelope of no more than £750). However, note that we will only consider a maximum of two envelopes per transaction. If you have an item that is valued at more than £750 you should ask the Post Office to increase the £750 maximum insurance cover before posting the relevant item to us (at your cost). If you send us items which exceed a value of £750 in any one envelope (where you have not increased the insurance maximum with the Post Office), then any such items are posted at your risk.


10.1 We will be responsible for any loss or damage to your items from the time delivery of the special delivery envelope from the Royal Mail is accepted by us (up to a maximum of £750 per envelope). If we send your items back to you, we will no longer be responsible for any loss or damage from when they are delivered to your home.

10.2 You will own your items until you notify us of your acceptance of our offer to purchase them from you, at which point ownership will transfer to us.

10.3 If we return your items, you will remain the owner of them at all times. The Royal Mail will be responsible for any loss or damage of your items up to a maximum of £750 after we have delivered the envelope containing them to the Post Office. If a claim is required we will make this claim on your behalf.

10.4 Your returned items will be dispatched by us on week days; accordingly you may receive your returned items envelope on a Saturday. Returned items can only be delivered to a residential address in the United Kingdom. It is important that you are present to sign and accept delivery for your returned items. If the delivery address is that of a multiple occupancy building then be aware that Royal Mail will deliver to the reception or other delivery point. We are not responsible for deliveries for which Royal Mail has obtained a signature at your delivery address but which you have not received.

10.5 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.

10.6 The Royal Mail has some restrictions on its Special Delivery service, please refer to the Royal Mail website www.royalmail.com for details of up to date restrictions. If no one is available at your address to take delivery, Royal Mail will leave you a note informing you of how to rearrange delivery or collect the packet from a local depot. It is your responsibility to arrange this.

10.7 We cannot accept any responsibility for fraudulent acts committed by a third party.


11.1 From time to time we may ask for proof of identification from you before processing your offer to sell your items, this may be in the form of:

(a) Photo ID – Passport, UK photo driver’s licence, National ID card, UK firearms certificate or shotgun licence, UK Residence Permit, ID card issued by the electoral office for Northern Ireland. These documents must be valid and in date.

(b) Proof of address – Utility bill (Less than 3 months old), current year council tax bill, and UK photo driver’s licence (in conjunction with other photo ID)


12.1 Our full privacy statement can be read on our website.

12.2 We will never pass your personal information to any third party except where we have your agreement or where we are required to do so by law.

12.3 In line with GDPR requirements, the following details why we collect your personal information and how we process it:

(a) to arrange for the delivery of your pre-paid envelope including passing your name and address onto Royal Mail;

(c) to process any payment to you or to return your items to you;

(d) to send GBP sterling to your bank account; and

(e) to send you information about services from the NoteMachine Group of companies if you have registered with us and have opted in to marketing preferences.

You may stop receiving such information by updating your marketing preferences via our website or by contacting us at customer.services@nmmoneygold.co.uk outlining what you would like to stop receiving.


13.1 We may transfer our rights and obligations under these terms to another organisation.

13.2 You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

13.3 This contract is between you and us. No other person shall have any rights to enforce any of its terms.

13.4 All conditions, warranties and remedies imposed or implied by any applicable laws are expressly excluded to the fullest extent legally possible.

13.5 If a Court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any Court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

13.6 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not still have to do those things and it will not prevent us taking steps against you at a later date.

13.7 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you made us aware of the risk during the sales process.

13.8 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.

13.9 These terms are governed by English law and you can bring legal proceedings in respect of these terms in the English or Welsh courts. If you live in Scotland you can bring legal proceedings in respect of these terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms in either the Northern Irish or the English courts

Copyright © 2021 Eurochange Ltd. Registered in England and Wales, registered number: 2519424. Registered office: Russell House, Elvicta Business Park, Crickhowell, Powys, NP8 1DF