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Tarvuism is a world religion that is over 3000 years old. It holds that there is one God - Tarvu - who created the two universes - Universe A and Universe B. We live in Universe B. Tarvuism is one of the oldest and largest monotheisitic religion in the world.
Tarvuism is based on the principles laid out in the holy Tarvunian book, the Tarvunty.
Tarvuists believe that Tarvu is the one true God. After creating the universes, Tarvu came to Earth as a baby boy over 3000 years ago. After swimming in the ocean for 9 years with the holy octopus, Oobu, Tarvu came onto dry landand entered the city of Baalb. It is unclear exactly where Baalb lay. Most scholars believe it lay between Turkey and Ethiopia. Tarvu lived and worked in this region, as a breadmaker, and later as a local government officer. He helped a lot of people in charitable work and was an expert on irrigation. Tarvu kept it secret that he was Lord God until he was 21. At his birthday party held in the Mun-Mun Valley, he announced himself as the true Deity. This is known as the 'Unveiling of Tarvu', and is celebrated each year on December 25th as Tarvu's Day. From here, his followers spread all around the world.
The beliefs of Tarvuism are many and complex, but in essence, the religion can be reduced to just two words, 'Be nice.'
Oobu, holy octopus of Tarvuism
Octopuses are holy animals. Owls are also holy but not as holy as octopuses.
It is forbidden to eat calamari in any form. Or to drink sparkling water. Because the bubbles can often spell out blasphemous or rude phrases in Octish. Some Tarvuists do not eat bread.
On the two holy days of the week, religious Tarvuists eat orange coloured food is often eaten: for example, carrots, cheddar cheese, mandarins, pumpkin, tangerine,sweet potato, egg yolks, and oranges
Tarvuists are just like you and me, and wear whatever they want. However women tend to wear neck ties. Priestmunties (Tarvuist priests) wear gowns.
Marriage is holy in Tarvuism. It is traditional for women propose to men. In some cultures gay marriage is a new concept, in Tarvuism it has been going for thousands of years.
The ancient chabernackle at Ghil-Metheron, said to have contained over 1000 toilets
Tarvuist temples are known as 'Chabernackles'. Tarvuists go to Temple every Tuesday (Tarvusday) and Thursday (Tharvusday). Tarvuists read from the holy book The Tarvunty, sing hymns and also carry out private prayer in the form of songs, known as psongs which are sung silently inside the person's head.
Children are valued in Tarvuism. At the age of 9 every Tarvuist boy or girl has an initiation ceremony,called an Erbuniatum which marks the age at which Tarvu stepped onto dry land. During this they bake a special cake, called an Erbunty roundling out of, which is given to the priest who must eat it all without sipping any water. If he does, there will be bad luck for all the family.
Tarvuists believe that when you die, your soul spends 9 years in the oceans. If you survive, spiritually, you are allowed to go to Tarvupia. Tarvuists believe that Tarvupia is a giant sphere that is larger than the universe itself. It is made up of infinity-minus-one concentric circles, each one leading, eventually to Tarvu (who is positioned at the centre).
There are many joyous festivals in Tarvuist. The holiest day in the Tarvunian calendar is December 25th in which we mark the day that Tarvu revealed himself to all mankind. The days is known as 'Tarvu's Day'. Tarvuists go to temple, come home, sleep, then get up, sleep again, then have a late lunch with lots of dancing and giving of presents.
Faces of the Brave is a rite observed by many tarvunians in impoverished areas of the world and is still widely performed.
Tarvuists preaches harmony between all religions (except Barvuism).


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Louis Armstrong "What A Wonderful World" Ukulele
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There's no doubt about it, this accessory will grab attention from your style admirers! This pendant features one round dyed red jade cabochon at the center of marvelous metalwork. You'll find five diamonds accentiing this piece along with three garnet beads dangling at the bottom. The pendant slides onto a 16" cable link chain - making this accessory ready-to-wear in an instant.
All weights pertaining to gemstones, including diamonds, are minimum weights. Additionally, please note that many gemstones are treated to enhance their beauty. View Gemstone Enhancements and Special Care Requirements for important information.
Sterling silver, also called fine silver, is a beautifully lustrous cool-toned precious metal favored in fine jewelry among other products. The most reflective of all metals (excluding mercury), sterling silver looks stunning by itself and brings out the best hues in an array of colorful gemstones.
Sterling silver can be polished to a higher sheen than platinum. In fact, Ag, the chemical symbol for silver, comes from a word that means "white and shining." The surface of silver can boast that shiny, polished appearance, or can be brushed, satin, matte, sandblasted, antiqued or oxidized (chemically blackened).
In order to be called sterling silver, a metal must be made up of a minimum of 92.5% pure silver and 7.5% alloy (meaning other metals), including but not limited to copper and nickel. The alloy is added to pure silver to make the metal more durable, tougher and harder. Sterling silver is designated a fineness of "925." Pieces with sterling silver may be marked "sterling."
Finishes on Sterling Silver
Finishing, or plating, is a common treatment with sterling silver. Popular types of plating are rhodium plating, gold plating and anti-tarnish plating. Plating is used to extend the life and sheen of the jewelry. After sizing or buffing a piece of jewelry with a machine, it must be re-plated to restore the finish.
Caring for Sterling Silver
Sterling silver becomes tarnished as the result of a natural chemical process that occurs when sterling silver is exposed to chemicals in the air, rubber, wool and latex. Humidity also plays a role in accelerating tarnishing. It's easy to keep your sterling silver sparkling, though, by taking a few steps to prevent tarnish and other wear and tear.
Jade reigns as the universal symbol for good luck and has been treasured in China as the royal gemstone for 5,000 years. The Chinese character for jade resembles a capital "I" with a line across the middle. The top of the character represents the heavens, the bottom the Earth and the center section humankind. It has been considered a symbol of love, virtue and status for thousands of years and remains popular today. Jade is traditionally given as a 12th anniversary gift and is believed to strengthen the body and bring longevity to life.
Jade is the term applied to forms of both jadeite and nephrite. The ancient jade carved in China was what we today call nephrite. In the nineteenth century, it was discovered that the material from the new world was not the same mineral as the jade from China. This new and different jade from Central America was called jadeite to distinguish it from the original nephrite. Both are similar in appearance, yet jadeite is considered the true jade and commands higher prices. Though both are quite durable and tough, ranking 6.5-7.0 on Mohs Scale, jadeite is slightly harder than nephrite due to its microcrystalline structure.
Jadeite has a much more vivid green color with finer translucency than nephrite. It is most treasured for its vivid greens, but it also comes in lavender, pink, yellow and white. Nephrite, however, is found in less intense spinach green, white, brown and black colors. While overall color is the most important factor in considering the value of jade, other important criteria are translucency, texture and pattern. Jade is most often sold by the piece rather than per carat. Because of its smooth and even texture, it has long been a preferred material for carving. When placed in jewelry, it is usually cut into smooth dome shapes called cabochons.
Jadeite is primarily mined in Myanmar. Each year, the state-owned Myanmar Gems Enterprise holds the Myanmar Gems, Jade and Pearl Emporium where boulders are sold to top jade dealers from around the world. The dealers take some high-risk gambles with the jade boulders they purchase. Boulders are sold intact, with only a tiny window cut in the side to expose a small section of the interior. The buyer has no idea what lies inside, whether there is valuable green jadeite or only white or brown-stained inexpensive material. Relying on instinct, buyers pay hundreds of thousands of dollars for what may turn out to be exquisite gemstones or huge losses.
The most valuable form of jadeite is known as imperial jade. It is a vivid emerald green color and comes from Myanmar. The Emerald Buddha, a sacred image that is enshrined at Wat Phra Kaeo in Bangkok, Thailand, is actually beautiful green jadeite. A leek green variety called "Russian Jade" is found near Lake Baikal in Russia. In addition to Myanmar, small quantities of jadeite can be found in Mexico and Central and South America, while nephrite is mined in Australia, Canada, Taiwan and the United States.
In ancient China, Jade was thought to preserve the body after death and was placed in emperors' tombs. One tomb contained an entire suit made of jade, thought to assure the physical immortality of its owner. In Central America, the Olmecs, Mayans and Toltecs also treasured jade and used it for carvings and masks. In Europe, although prehistoric axes and blades carved from jade have been found by archeologists, the gemstone was not popular for jewelry use until the sixteenth century when jade objects were imported from China and, later, Central America. The Portuguese brought home jade pieces from their settlement in China and called jade "piedre de ilharga," which meant "stone of the loins" because they believed it to be strong medicine for kidney ailments. Jade objects brought to Spain were called by the Spanish version of this phrase, "piedra de hijada." This became the French word "ejade," which led to the English word jade.
Known for over 7,000 years, jade was first valued for its hardness, which made it a useful stone for constructing tools and weapons. In ancient Egypt, jade was appreciated as the stone of balance, inner peace and great affection. In China, jade plays a significant role symbolizing goodness, wisdom, courage, justice, modesty and compassion. The Chinese use the gemstone for creating praiseworthy objects, religious figures and esteemed furnishings for the imperial family. Today the gemstone has gained popularity across the world, admired for its symbolism, historical significance and beauty.


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LOS ANGELES (AP) -- Justin Bieber may be Canadian, but he was the all-American boy at Sunday night's American Music Awards.
The pop singer dominated the awards show, winning three trophies, including artist of the year. His mom joined him onstage as he collected the award, beating out Rihanna, Maroon 5, Katy Perry and Drake.
"I wanted to thank you for always believing in me," Bieber said, looking to his mom.
The 18-year-old also won the honor in 2010. He said it's "hard growing up with everyone watching me" and asked that people continue to believe in him.
But the teenager who brought his mom as a date also got in some grinding with Nicki Minaj -- who shared the stage with him and took home two awards -- and a kiss on the neck from presenter Jenny McCarthy.
"Wow. I feel violated right now," he said, laughing.
"I did grab his butt," McCarthy said backstage. "I couldn't help it. He was just so delicious. So little. I wanted to tear his head off and eat it."
Another collaboration was the night's most colorful performance: Korean rapper PSY and MC Hammer. Hammer joined the buzzed-about pop star for his viral hit "Gangnam Style." PSY rocked traditional "Hammer" pants as they danced to his jam and to Hammer's "Too Legit to Quit."
Minaj, who wore three different wigs and four outfits throughout the night, repeated her AMAs wins from last year, picking up trophies for favorite rap/hip-hop artist and album for "Pink Friday: Roman Reloaded." She was in an all-white get-up, including fur coat and pink hair when she performed her new song "Freedom." The scene was ghostly and snowy, as a choir -- also in white -- joined her onstage. One background singer stole the performance, belting semi-high notes as Minaj looked on.
Usher kicked off the three-hour show with green laser lights beaming onstage as he performed a medley of songs, including "Numb," "Climax" and "Can't Stop, Won't Stop," which featured a smoky floor and a number of backup dancers, as Usher jammed in all black, with the exception of his red shoes. He won favorite soul/R&B male artist.
His protege Bieber won favorite pop/rock male artist in the first award handed out and gave a shout-out to those who didn't think he would last on the music scene.
"I want to say this is for all the haters who thought I was just here for one or two years. I feel like I'm going to be here for a very long time," he said.
He also won favorite pop/rock album for his platinum-selling third album, "Believe." He gave a stripped down, acoustic performance of "As Long As You Love Me," then transitioned to the dance-heavy "Beauty and a Beat," where Minaj joined him onstage, grinding with the teen for a few seconds.
Taylor Swift won her fifth consecutive award for favorite country female artist.
"This is unreal. I want to thank the fans. You guys are the ones who voted on this," she said.
Swift gave a masquerade-themed performance of the pop song "I Knew You Were Trouble." She sang onstage in a light dress while dancers wore mostly black. But then she changed into a red corset and black skirt, matching their dark mood. She even danced and sang on the floor as lights flickered throughout the performance.
Dick Clark, who created the AMAs, was remembered by Ryan Seacrest and an upbeat performance by Stevie Wonder.
"What a producer he was," said Seacrest, as Wonder sang his hits, including "My Cherie Amour."
Carly Rae Jepsen, who performed early in the night, won favorite new artist.
"I am floored. Wow," she said, thanking Bieber and his manager, Scooter Braun.
Party girl Ke$ha was glammed up on the red carpet, rocking long, flowy blonde hair and a light pink dress. She switched to her normal attire when she performed her hit single "Die Young." It was tribal, with shirtless dancers in skin-tight pants, silver hair and skeleton-painted faces, who also played the drums. Ke$ha was pants-less, rocking knee-high boots and rolling on the floor as she finished up the song.
Minaj and Christina Aguilera were blonde bombshells, too: Minaj's hair was busy and full of volume and she sported a neon strapless gown to accept her first award. Aguilera wore a blonde bob in a purple dress that matched her eyeshadow.
Aguilera performed a medley of material from her new album and joined Pitbull onstage.
Kelly Clarkson also hit the stage, making a nod to her "American Idol" roots with a number on her dress and three judges looking on as she sang "Miss Independent." Then she went into "Since U Been Gone," "Stronger" and "Catch My Breath."
Fellow "Idol" winner Carrie Underwood won best favorite country album and performed, hitting the right notes while singing "Two Black Cadillacs." She talked about singing competition shows backstage.
"These people that go on these shows are so talented, you know? And I would love to see if so many of the other artists that are out there today would go back and try out for these shows, because they might get their behinds kicked by some of the contestants," she said.
Luke Bryan won favorite country male artist and Lady Antebellum favorite country group.
American Music Awards nominees were selected based on sales and airplay, and fans chose the winners by voting online. At this award show, even the stars were fans: Pink said on the red carpet that she'd like to collaborate with Lauryn Hill. Cyndi Lauper said her musical playlist includes Pink and Minaj. Boy band The Wanted said they were excited to see PSY and Colbie Caillat wanted to watch No Doubt.
"What makes the American Music Awards special is the fans choose the winning artists," said Chester Bennington of Linkin Park, who won favorite alternative rock artist and performed "Burn It Down," as Brandy sang along and Gwen Stefani, Usher and Phillip Phillips bobbed their heads.
David Guetta won the show's first-ever electronic dance music award. Non-televised awards went to Katy Perry for pop/rock female artist, Beyonce for soul/R&B female artist, Adele for adult contemporary artist and Shakira for Latin artist.
Along with Rihanna, Minaj was the top nominee with four nominations.


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ATF-20 Airtrol tank fitting with a 1/2" MIP tank connection by 3/4" FIP connection on the boiler side that is used for compression tanks with diameters up to 22". Air tube can be cut for smaller diameter tanks.
Liberty Supply accepts returns up to 90 days after the date of invoice for domestic transactions. All returns must be issued an RMA number. RMA requests can be made by emailing firstname.lastname@example.com. International transactions are non-returnable and non-refundable.
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Perfect for coffee, tea and hot chocolate, this classic shape white, durable ceramic mug in the most popular sizes - 11 oz. and 15oz. High quality sublimation printing makes it an appreciated gift to every true hot beverage lover.
.: White ceramic
.: 11 oz. (0.33 l) and 15 oz. (0.44 l)
.: Rounded corners
.: C-handle


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If you think about it, sex is actually sort of disgusting, what with all the sweat, saliva, fluids and smells. So much so that a group of researchers from the Netherlands got to thinking, How do people enjoy sex at all?
According to their small new study, people — at least women — may be able to get over the "ick" factor associated with sex by getting turned on. Sexual arousal overrides the natural disgust response, the researchers found, and allows women to willingly engage in behaviors that they might normally find repugnant.
The study, conducted by scientists at the University of Groningen, involved 90 women who were randomly assigned to one of three groups. One group watched a "female friendly" erotic video; another watched a video of high-adrenaline sports like skydiving or rafting, designed to be arousing but not sexually so; and the third group watched a neutral video clip of a train.
Afterward, all the women were asked to perform 16 tasks, most of them icky, like drinking from a cup with a bug in it (the bug was fake), wiping their hands with a used tissue, eating a cookie that was next to a live worm or putting their finger in a tray of used condoms.
(MORE: The Ancient Sexual Revolution that May Have Spurred Human Monogamy)
The researchers found that the women who watched the sexually arousing video rated the unpleasant tasks as less disgusting than did their counterparts who were not sexually aroused. They were also more likely to complete more of the tasks, suggesting that sexual arousal not only dampens the disgust response but also influences how much women are willing to do.
That helps explain why so many people keep having sex, despite the inherent messiness of it, the researchers said. "The findings indicate that both the impact of heightened sexual arousal on subjective disgust and also on disgust-induced avoidance will act in a way to facilitate the engagement in pleasurable sex," the authors wrote. Previous studies suggest that sexual arousal has the same effect on men.
"I think this study is interesting in that it helps support the idea that sexual arousal lowers inhibitions and often enables one to participate in activities that they might normally find disgusting or off-putting," Dr. Ian Kerner, a sexuality counselor and author based in New York City who was uninvolved with the study, told ABC News.
(MORE: Penis Size: It May Be Written in the Length of His Fingers)
The findings may also shed light on conditions involving sexual dysfunction. Lack of sexual arousal may interfere with healthy sex by failing to dampen the disgust factor, the authors said. Essentially, if women are not appropriately aroused before sex, they may find it even more repulsive and increasingly start to avoid it. Low arousal can also render women physically unable to enjoy sex, the authors said:
As a result, this could lead to problems with sexual engagement, and lack of vaginal lubrication, which in turn could increase friction and cause problems such as pain with intercourse. It is thus possible that in extreme cases the woman might acquire negative associations with sex and might start to avoid sexual intercourse altogether.
The authors call for further research among larger groups, including participants suffering from sexual dysfunctions.
The study was published in the journal PLoS ONE.


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Pink Kadhwa Banarasi Jangla with Sona Rupa Zari
- Regular price
₹ 58,990 - Regular price
₹ 0 - Sale price
₹ 58,990
Pink Kadhwa Banarasi Jangla with Sona Rupa Zari
Fabric - Katan Silk
Color - Pink
Technique - Kadhwa
Weaving Cluster - Banaras
Measurements : - Length - 5.5 meters, Blouse - 80 Cms, Width - 44 inches
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Indian orders are delivered by BlueDart Overnight and are delivered in 3/5 business days. International orders are delivered by DHL Express and are delivered in 5/7 business days. |
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Product(s) can be exchanged within 7 days from the date of purchase subject to- Customer returning the product unused, unwashed, unaltered and in its original condition with all tags intact. All exchange/ return requests should be emailed to firstname.lastname@example.com The original invoice must be produced at the time of request for exchange. The Company reserves the right to decide if the product is in the condition for exchange and such decision of Company shall be final and binding. All Jewellery/Pashmina Shawls/Discounted/ Sale/Bargained/Custom made/ Serviced products/ made to order/finished product(s) cannot be exchanged. It includes stitching, alterations, fall, finishing etc. For details on our return and Exchange policy please refer to the Cancellation & Refund Policy on our website. |
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Change fold regularly, and store in pure cotton fabrics. | |
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- Accessories – accessories shown like tassles may or may not be a part of the actual product. Blouses/Jewelry worn by the model are only for photo shoots and styling reference.
- Color Variance – This product has been shot in studio lights and there may be a slight difference with actual colors.
- This product is handcrafted, so there may be slight irregularities. However, these unique characteristics contribute to its charm and make it one of a kind.
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Travelling Trunk Pvt Ltd C 245, Golf View Apartments, Saket, New Delhi – 110017, India Ph: +91-9810646345, email: firstname.lastname@example.com |
Country of Origin | India |
Pink Kadhwa Banarasi Jangla with Sona Rupa Zari
- Regular price
₹ 58,990 - Regular price
₹ 0 - Sale price
₹ 58,990
Your search for finest Indian handlooms and handcrafted products from skilled artisans across India, ends at WeaverStory.com. Started as an initiative to preserve and promote Indian handloom, and bring timeless treasures from the heart of the country, WeaverStory.com is a reservoir of finest weaves from Banaras, Chanderi, Gujarat, Bengal, Maheshwar and Kanchipuram with a exquisite range of sarees, lehengas, dupattas, suits and fabrics.


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Regular price $69.99 $39.95 Sale
Wear your style with this custom-designed watch.
Japanese movement and strengthened alloy body with stainless steel back. 100% real genuine leather / stainless steel band.
40mm men's and 34mm women's sizes available.
90-day warranty (replacement).
Ships worldwide. Please allow 2 - 4 weeks for delivery.


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Some time tomorrow in a nondescript, modern building overlooking Lake Geneva in Switzerland, football's great and good, also known as UEFA's Executive Committee, will meet to implement the snappily titled Club Licensing and Financial Fair Play Regulations. This vision was first given the green light in UEFA's September 2009 meeting and they are now expected to approve their March 2010 draft proposal, which requires clubs to break-even from the start of the 2012-13 season, if they wish to qualify for European competitions like the Champions League. In the slow-moving world of football bureaucracy, it is striking how quickly UEFA has managed to translate the initial concerns of President Michel Platini, who had described clubs borrowing to buy sporting success as "financial doping", into a practical, workable document.
UEFA's aim is no less than "protecting the long-term viability and sustainability of European club football". Under this financial fair play concept, clubs will have to balance their books and operate within their financial means, thereby helping restore stability to the European game. Clubs will be required to spend no more than they earn to "introduce more discipline and rationality in club finances and to decrease pressure on players' salaries and transfer fees." They will be forced to settle their liabilities on a timely basis, but will also be encouraged to invest for the good of the club in areas such as youth development and infrastructure (stadium, training ground).
"Only thing bust about Arsenal"
This is probably all beginning to sound very familiar to Arsenal fans, who have observed the club investing in these themes over the last few years, but wait, it gets even better. In order to ensure a level playing field, UEFA have also targeted the influence of wealthy benefactors. General Secretary Gianni Infantino baldly stated, "It will not be possible for the big sugar daddy to just write-off a cheque at the end of each season". President Platini went further, encompassing clubs financed by mountains of debt, when he called the initiative the end to "success on credit".
In recent seasons, many clubs have reported repeated financial losses, which have been getting worse. The wider economic situation has created difficult market conditions for clubs in Europe, negatively impacting revenue generation and creating additional challenges for clubs in respect of availability of financing. Many clubs have experienced liquidity shortfalls, for instance leading to delayed payments to players, other clubs and even the tax authorities (Portsmouth) with auditors questioning the ability of some to continue as a going concern (Liverpool, Hull City).
In February UEFA published a mighty tome entitled "The European Club Footballing Landscape", a financial survey of more than 650 clubs all over Europe, which contained some jaw-dropping statistics. Gianni Infantino reported, "We found that 50 per cent of those clubs are making losses every year, and 20 per cent of them are making huge losses, spending 120 per cent of their revenue every year." He said that the primary reason for the losses is wage and transfer inflation, driven by clubs relying on owner finance or debt, "Around one third of the clubs are spending 70 per cent or more of their revenues on wages. Revenues across European football grew by 10 per cent last year, but the salaries of players and coaches have gone up by around 18 per cent."
"Gianni Infantino looking through the books"
While such over-spending "may be sustainable for a single club, it may be considered to have a negative impact on the European club football system as a whole." As Infantino said, "The problem is that all clubs try to compete. A few of the biggest can afford it, but the vast majority cannot. They bid for players they cannot afford, then borrow or receive money from their owners, but this is not sustainable, because only a few can win." In other words, the richest clubs drive up players' salaries and transfer costs, forcing smaller clubs to over-stretch their budgets to compete. Intriguingly, UEFA's draft proposal states, "clubs will therefore be assessed on an individual basis as well as in the wider context of the European club football environment." Not sure how they are going to achieve that, but it sure sounds good.
Debt may be a four-letter word for UEFA, but apparently loss is an even worse one, as the break-even requirement is described as the "cornerstone" of the new regulations. Gianni Infantino again, "We are not speaking about debts. We are speaking about losses. Debt per se is not necessarily a bad thing. The problem with debt is the cost of the debt, for example the interest you have to pay, and this can create a loss. We are focusing on the losses." The key principle is that a club should always aim to at least break-even excluding expenditure for the long-term benefit of the club and must not repeatedly spend more than the income it generates.
So how do England's finest fare under the new regulations? Of the seven teams that qualified for Europe this season, four of them fail to break-even – and by a long way. As we can see in the table above, Chelsea, Manchester City, Aston Villa and Liverpool are the offenders. This should come as no great surprise, as three of those clubs are funded by rich owners, most obviously with Roman Abramovich at Chelsea and Sheikh Mansour at Manchester City, but also to a lesser extent with Randy Lerner at Aston Villa. In marked contrast, Liverpool are not, having to bear the considerable burden of loans arising from the Hicks and Gillett takeover, which resulted in £40m interest payments last year.
That leaves just three clubs making a profit (Arsenal, Manchester United and Tottenham), but even this is misleading and over-states the situation. United's profit only arose after last summer's £80 million sale of Cristiano Ronaldo to Real Madrid, which is hardly likely to be repeated every year. Without this once-off factor, United would have reported a hefty loss thanks to their crippling £70 million interest payments. Despite this, United's Chief Executive David Gill has claimed that the club would not fall foul of the new regulations, "We have seen what the proposals are and we would meet the financial break even rules." Hmm. His confidence was not shared by the club's bond prospectus, where the risk factors included the following, "These rules are intended to discourage clubs from continually operating at a loss. There is a risk that, in conjunction with increasing player salaries and transfer fees, the financial fair play initiative could limit our ability to acquire or retain top players and, therefore, materially adversely affect the performance of our first team."
"David Gill - trust me, I'm an accountant"
What about Spurs? Although they don't have to make huge interest payments, they are actually in a similar position to United, as their profit was only due to significant player sales of £57 million (Dimitar Berbatov to United and Robbie Keane to Liverpool). Without this, they would also have made a loss. Indeed, in the subsequent interim accounts for the six months up to 31 December 2009, Tottenham reported a loss before tax of £8.3 million. It looks like Harry Redknapp is beginning to work his magic on another club, as the impact of all his player purchases begins to bite. Sooner or later, this strategy will feed through into higher player amortisation, as, like all clubs, Spurs have to capitalise the cost of acquiring a player and then write-off that cost over the period of the player's contract. To place this into context, Tottenham's amortisation costs of £38 million are higher than United's, but their revenue is only 40 per cent of Old Trafford's franchise.
No, the only one of these clubs that is genuinely profitable is Arsenal, even after excluding the money made from property sales. Again, this should not raise too many eyebrows, as UEFA had already advised that Arsenal was the only major English club that would meet the financial fair play criteria today.
"Away From The Numbers"
The more financially astute will already have noticed that UEFA's break-even template is subtly different from a regular profit and loss account. As they almost said on Star Trek, "It's a P&L, Jim, but not as we know it." The UEFA template introduces the concept of relevant income and expenses, which looks complicated, but is essentially a variant of the good old "carrot and stick" incentive that tries to achieve two goals: (a) encourage clubs to make sensible long-term investment; (b) close any loopholes which might allow clubs to artificially meet the break-even target.
Let's take the positive aspect first. Clubs will still be permitted to borrow for "good" projects like improving the stadium or training facilities. Any costs associated with this investment, like interest on loans to fund the construction or depreciation on the resultant fixed assets, are excluded from the break-even calculation. In other words, an excess of expenses over income may still be allowed if the excess is solely related to costs that are for the long-term benefit of the club. As Infantino explained, "We are also saying losses can be admitted, if the money is invested for long-term purposes — developing a youth academy for example or infrastructure. This of course can lead to a loss in the short-term, but in the long-term it will be beneficial for the club, help increase the revenues."
So the costs of building the Emirates Stadium would be removed from Arsenal's relevant expenses, as indeed would the depreciation. Eagle-eyed observers will have noticed that this guideline appears to greatly benefit Manchester United, as they can deduct £44 million of depreciation and amortisation, largely because they report £35 million amortisation of goodwill. In accounting terms, goodwill arises after the acquisition of a subsidiary and represents the difference between the purchase price and the fair value of the net assets. This is capitalised like any other asset and amortised over the estimated useful economic life. This deduction makes a huge difference to United's profitability. Maybe this is why David Gill was so confident of United meeting UEFA's new regulations?
On the other hand, UEFA are clearly no mugs, as they have addressed some of the more obvious ways of getting around the new regulations. Many clubs these days have an intricate inter-company structure and there were fears that a club like Liverpool could argue that the football club was profitable, as their massive interest was paid out of the club's holding company. Clearly, that does not make sense to any reasonable man and UEFA have caught that one, "For the calculation of relevant expenses, management must include any expenses incurred in the reporting period in respect of the activities of the club that are not otherwise recorded in the audited annual financial statements of the reporting entity that forms the basis for preparation of the break-even calculation."
Next, they have anticipated the possibility of a wealthy owner paying a ridiculous £200 million to sponsor his team by embracing the concept of "related parties" and "fair value" so beloved of tax authorities when reviewing inter-company transactions. In short, if an owner over-pays for services, this income will be adjusted down to a fair value, i.e. what the club would have received if the transactions were conducted on an "arm's length" basis. Enough tax jargon for you? The guidelines list specific examples like sale of sponsorship rights and use of executive box, but I wonder whether this regulation might also apply to interest-free loans? After all, banks don't usually provide loans without charging interest.
UEFA wish to exclude any income and expenses from non-football activities, which are "clearly and exclusively not related to the activities, locations or brand of the football club". This might be a factor for Arsenal, as any profit made from future property sales at Highbury Square, Queensland Road, etc would presumably be excluded from the break-even calculation. On the other hand, this might benefit a club like Barcelona, if they can eliminate the £24 million losses they make on other sports (basketball, handball and hockey).
However, you would not expect UEFA to be too tough on their meal ticket and, sure enough, they revealed the velvet fist inside the iron glove by making a number of concessions to Europe's top clubs. The most significant is that there will now be a phased implementation over five years. The scheme will still kick-off (if you'll excuse the pun) in 2012, but there will be a three-year transitional period and it will not be fully operational until 2015. As David Gill said, "If clubs are not complying now, then there is time for them to get their house in order." Or, as cynics might say, there will be time for clubs like Manchester City to accelerate their spending before the regulations take full effect.
Furthermore, in the same way that British transport classifies trains as being "on time" if they are only ten minutes late (or something like that), UEFA have stretched the definition of break-even to include an "acceptable deviation". Losses that are not underwritten by club owners are allowed up to a total of €5 million over three seasons. To be fair, Infantino's explanation makes sense, "You can have losses for one year, because perhaps you had one bad season and you did not qualify (for Europe). So we are looking at losses over a multi-year basis. So one year you can make a loss, but not over three years."
Less justifiable is the acceptable deviation for billionaire owners, who will be allowed to absorb aggregate losses of €45 million over three years from 2012, so long as they are willing to cover the club's losses by making equity contributions. To be fair, the maximum permitted loss then falls to €30 million from 2015 and will be further reduced from 2018 (to an unspecified amount). This means that in the transition (weaning-off) period, owners can pump in an average per season of €15 million up to 2014 and then €10 million up to 2017. After that, who knows? Perhaps break-even will actually mean what it says by then.
Maybe the soft landing is why the top clubs have given UEFA's initiative their support. The European Club Association (ECA), which represents the 137 leading clubs in Europe, voted unanimously to approve the proposal at their General Assembly with their chairman, former German international Karl-Heinz Rummenigge, declaring, "these measures will shape the future of European club football into a more responsible business and ultimately a more sustainable one." According to Platini, "The owners are asking for rules, because they can't implement them themselves. Many of them have had it with shoveling money into clubs. They asked me to do something – Roman Abramovich asked me, the owner of Manchester City agreed – and I think it's very moral. And it's not just the biggest clubs – it's all the clubs."
"Pointing the way"
The owners might also have been stunned into action when Portsmouth went into administration. If a club from the world's richest league could crash in this way, what about the rest? Inter's Chief Executive, Ernesto Paolillo, admitted, "The old times are finished. Sometimes you need a shock and this is it." At the same Soccerex Forum, Sevilla's vice-president, Jose Maria Cruz, said that half a dozen Spanish clubs faced bankruptcy. Whether clubs are a going concern is clearly in UEFA's thoughts and the regulations specifically require a club to "prove that it has no payables overdue towards other football clubs arising from transfer activities and towards employees and social/tax authorities." This is evidently a major issue with the Footballing Landscape report listing €1,650 million of transfer debts, including €550 million over 12 months old. To put this more bluntly, clubs are fielding players that they have not paid for.
Although UEFA will come down hard on clubs that owe money to those in the "football family" (other clubs or players) and the unforgiving tax man, they appear more sanguine about debt in general. Platini and Infantino have both said that debts will be permitted if clubs can service the payments, so the issue is not so much the level of debt as whether the interest payments can be covered. UEFA have effectively acknowledged that debt can be an important tool for funding growth, but they want it to be manageable. However, they have expressly commented on the debt at Manchester United and Liverpool, "Just over half of the Premier League's commercial debt has been placed into the clubs as a result of leveraged buy-outs, acting principally as a burden rather than to support investment."
Some have argued that this UEFA initiative is one reason why the owners at Chelsea and Manchester City have wiped out their clubs' debt by converting loans into equity, but I'm not sure that it makes much difference. Given that the loans were effectively interest-free, in terms of the break-even calculation, this is simply moving money from the left pocket to the right.
"Stuck in the middle with you"
However, it does affect one of the financial ratios used by UEFA as "warning signs". A red flag will be raised if net debt exceeds annual turnover and the club will be asked to provide additional information, including proof that the debt level is sustainable. UEFA helpfully define net debt as "the borrowings of the club less cash" with borrowings including loans from banks and the owner. Journalists, please note that it does not include accounts payable or trade creditors.
Although they have resisted calls for a salary cap, another warning sign occurs if the wages to turnover ratio is over 70 per cent. In a slightly contradictory statement, Infantino explained the thinking on salaries, "The limit would be the break-even rule. You could spend 80 per cent on salaries, if the rest of your costs are 20 per cent. But if your other costs are higher, then the salaries will have to go down."
Monitoring of the clubs and their adherence to the rules will be overseen by the newly-formed Club Financial Control Panel, which will be made up of financial and legal experts, who will conduct audits to ensure that the system is applied correctly. Chairing the panel will be former Belgian Prime Minister, Jean-Luc Dehaene, which is an example of how seriously UEFA is taking financial fair play. Michel Platini described Dehaene as being "very experienced in financial matters and a great football fan. He is the ideal person to take charge of the economic destiny of European football." We shall see. If this Panel believes that the requirements have not been fulfilled, it can refer the case to the scary sounding Organs for Administration of Justice with the ultimate sanction being a ban from UEFA competitions.
"Jean-Luc Dahaene - a formidable figure"
Obviously, the introduction of such a scheme will not be without difficulties. Platini himself admitted, "It is not easy, because we have different financial systems in England, France and Germany. In England you can have debts; in France you're not allowed to have debts; and in Germany you get relegated to the second division (if you have debts)." As always, the devil is in the detail and we can already anticipate many tedious arguments from lawyers and accountants. Nevertheless, the break-even analysis is based on accounts that have been audited and we must hope that common sense is applied during any disputes.
The other major concern is that far from making football fairer, all this initiative will achieve is to make permanent the domination of the existing big clubs: survival of the fattest, rather than the fittest, if you will. The argument goes that those clubs that have already reached the promised land of the Champions League will continue to benefit from the highly lucrative broadcasting revenues, while the challengers will no longer be able to spend big in a bid to catch up. This may be why Abramovich's support may be considered a tad hypocritical, as he has already spent his millions to join this exclusive club.
"Back off, Europe!"
This is one of the reasons why the Premier League has reservations. Chief Executive Richard Scudamore said that he was opposed to any limits being set on the ability of owners such as Sheikh Mansour to invest money in their clubs. A spokesman went further, "The benefactor model of investment is not one the Premier League wants to see outlawed. We don't want to discourage investment in our league, which has benefited clubs of all sizes." There is something to this, but, for me, the financial fair play regulations are the lesser of two evils. They might make it more difficult to gatecrash the party, but they will stop clubs like Portsmouth (and Leeds in the past) gambling their future to "live the dream". As Platini argued, being financially supported by a single backer is not sustainable, as he might run out of money (or might never had any). Of course, an Arsenal fan might also point out that their club has managed to qualify for the Champions League for many years without spending any money.
The Premier League contends that it has introduced its own financial criteria, which give them increased powers of scrutiny and intervention and will go a long way to preventing another "Portsmouth". Clubs will have to submit annual accounts and budgetary information. Scudamore explained, "If the board believes the club is at risk of not being able to meet its obligations, then it has to step in and agree a budget for the running of that club. It has the ability to embargo any transfers or, and I think this is a first, to stop clubs renegotiating upwards any player contracts and remuneration." Not sure about you, but his words don't exactly inspire me with confidence.
"Ivan Gazidis - fair comment"
Will all these regulators have the bite to go with their bark? Expelling teams from European competitions works fine on paper, but would it ever happen in reality, especially when you consider that Europe's most indebted teams are among those that attract the largest television audiences. Would UEFA really bite the hand that feeds? Indeed, one of the members of the Club Financial Control Panel admitted that there was a risk that aggrieved clubs "could fly off into the ether and form their own competition."
Let's end on a positive note and leave the last word to Arsenal's Chief Executive, Ivan Gazidis, "The fundamental issue that we all face is do we have the courage and fortitude to control our spending in a fairly irrational environment. If we can manage that, there's no reason why anyone can't have a long-term stable business in football." Can't say fairer than that.


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(i) use your Clearpay Account fraudulently (including where you have knowingly allowed a third party to use your Clearpay Account fraudulently);
(ii) have been grossly negligent and enabled a third party to access and use your Clearpay Account;
(iii) allowed, whether knowingly or negligently, a third party to use your Clearpay Account, including if a third party is allowed to access a mobile phone or other device on which your Clearpay Account has been registered (for example, by giving them your passcode or by letting them register their fingerprint on it).
3.2 Your obligations to us as a holder of a Clearpay Account
By holding a Clearpay Account with us, you agree that you must:
(a) Not provide us with any information that is false, inaccurate or misleading;
(b) Ensure any information about you, including your contact details, is true, current and complete. If your information changes, you must update it through your Clearpay Account via our Website;
(c) Not use your Clearpay Account or our Products for any unlawful, fraudulent or improper activity;
(d) Cooperate fully with us to investigate any suspected unlawful, fraudulent or improper activity on your Clearpay Account;
(e) Not permit others to use your Clearpay Account, or allow anyone else to have or use your account password details;
(f) Not use any technology (device, software or hardware) to damage, intercept or interfere with our Products; and
(h) Not open or use more than one Clearpay Account.
3.3 In-store payment
(a) Sorry, but we do not currently offer in-store purchases using Clearpay. We will let you know as soon as this service becomes available.
3.4 Closing your Clearpay Account
(a) You may request to close your Clearpay Account by contacting us directly. You may only request to close your Clearpay Account if:
(i) all amounts owing to us by you (including any Late Fees) have been paid in full to us; and
(ii) no disputes or refunds are in progress.
(b) We may close your Clearpay Account for any reason, within our reasonable discretion. This Agreement will continue to apply to any Orders accepted prior to such closure until all amounts owing are received in full (including any Late Fees).
(c) Except as otherwise stated, this Agreement will be terminated once your Clearpay Account is closed. However, you will remain liable for all outstanding obligations related to the Clearpay Account even after it has been closed.
(d) We may immediately limit your access to our Products or suspend or close your Clearpay Account where we have reasonable cause to do so including, without limitation, where:
(i) we reasonably consider it necessary to do so in order to:
(A) protect the integrity of our systems or the Products;
(B) prevent fraud;
(C) limit the risk of money laundering or terrorism financing; or
(D) otherwise protect us against legal, regulatory or non-payment risk;
(ii) you do not pass our verifications or checks, including our pre-authorisation check described in clause 7.2(c);
(iii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement by the payment due date); or
(iv) we otherwise reasonably consider the activity associated with the Clearpay Account to be suspicious.
(e) We will use our best efforts to provide written notice to you before closing your Clearpay Account, in the circumstances described in clause 3.4(d) above, except where doing so may compromise any investigation related to your breach of this Agreement or unlawful or improper conduct. Where we close your Clearpay Account in accordance with clause 3.4(d), this Agreement will be terminated, and all amounts owed by you to us will immediately become payable to Clearpay.
(f) Despite clause 5(f), where your Clearpay Account has been closed for any reason, our respective obligations in relation to product returns in clause 5 will only continue until:
(i) all amounts you owe to us have been paid to us; or
(ii) the date which is 120 days after your last Order,
whichever is sooner. After that time, the Retailer will be solely responsible for processing all product returns and associated refunds.
4 Orders, payments and billing
4.1 Order Confirmation and Payment Schedule
(a) All Orders which you place with Clearpay are subject to approval by Clearpay, in our reasonable discretion. We may choose not to approve an Order or provide a Product to you, or may cancel an approved Order before the goods or services are delivered or supplied, if:
(i) we reasonably consider this necessary in order to:
(A) protect the integrity of our systems or the Products;
(B) prevent fraud;
(C) limit the risk of money laundering or terrorism financing; or
(D) otherwise protect us against legal, regulatory or non-payment risk;
(ii) you do not pass our verifications or checks, including those described in clause 7;
(iii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date);
(iv) an Order is made with a Retailer in a different jurisdiction that is not permitted by Clearpay; or
(v) we otherwise reasonably consider the Order to be suspicious.
(b) If we cancel an approved Order:
(i) we will apply a full refund of any amounts you have paid to us to your Nominated Payment Source or (if that is not possible) to any other Card that you have provided us details of, and will cancel any future payments related to that Order. In the event the approved Order is cancelled because a chargeback has been incurred by Clearpay in relation to a payment for the approved Order, that payment will not be refunded by Clearpay. Any return of funds in that event will be as between you and your issuing bank. The Retailer will not be obliged to deliver the goods (or provide the services) the subject of the Order, unless required to do so by law;
(ii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to that Order; and
(iii) if you wish to proceed with the purchase from the Retailer, the Retailer may accept an alternative payment method in its discretion, or if required to do so by law.
(c) Once we approve your Order, you will receive an email from us with confirmation of receipt of your Order and a Payment Schedule.
(d) You agree to ensure that payment(s) are made in accordance with the Payment Schedule. You may make early payments through your Clearpay Account, otherwise Clearpay will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorise Clearpay to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, Clearpay reserves the right to re-attempt to process the payment at a later time or date.
4.2 Automatic Payments and your Continuous Payment Authority
(a) An 'Automatic Payment' is a payment, through the Payment Method you have chosen, that we will automatically charge directly to your nominated Card ('Nominated Payment Source') on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule under a continuous payment authority or "CPA". You will have the option to select a preferred Payment Method and Nominated Payment Source when your Clearpay Account is being created. You can update or change your preferred Nominated Payment Source or Payment Method at any time via your Clearpay Account. You may add more than one Payment Method when you create your Clearpay Account or at any time afterwards via your Clearpay Account.
(b) Subject to the other terms of this Agreement, you hereby expressly authorise Clearpay to deduct Automatic Payment amounts from your Nominated Payment Source and any other Payment Method listed on your Clearpay Account for the amounts and on those scheduled dates set out in your Payment Schedule using the CPA. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to your Nominated Payment Source, in accordance with your Payment Schedule and the terms of this Agreement.
(c) You can cancel a CPA at any time by contacting your bank directly in which case we'll no longer be entitled to take payment under the CPA. If you do cancel a CPA, you'll still owe us the remaining balance of your payments and you'll need to make your repayments by an alternative method.
(d) You are responsible for ensuring that you have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of our error or system failure. If any fees or charges are imposed as a result of our error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.
(e) If an Automatic Payment fails (for example, if your Nominated Payment Source is a credit or debit card which has expired), we may take payment from another Payment Method listed on your Clearpay Account and we may make up to multiple attempts on each such Payment Method. If our attempts to take payment fail, Late Fees may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorise us to make payment of any amount that you owe us by:
(i) Debiting your Nominated Payment Source at a later time or date;
(ii) Debiting any other Card which you have provided details of;
(iii) Offsetting the payment amount against any amounts we may owe to you; or
(iv) Any other legal means.
4.3 Late Payments
(a) If you fail to pay any amounts according to the Payment Schedule, Late Fees will apply on each payment that is due but not received. For the avoidance of doubt, Late Fees will not be applied until the day immediately following the day that the payment is due.
(b) We may, at our sole discretion, reasonably delay the application of, or waive wholly or partly, any Late Fee. If Late Fees are or may be incurred as a result of Clearpay's error, please let us know, and we will waive or refund any such fees.
(c) We will contact you as soon as we can to let you know you have missed a payment, and to discuss how the payment can be made. We'll follow a collections process under which we'll do our best to work with you to bring the agreement up to date.
(d) You should not proceed with any order if you believe you cannot afford the payments now or will not be able to in the future.
(e) Any payment received will be applied to the oldest outstanding payment e.g. if your second and third payments are outstanding and you make a payment to us, it will be applied to the second repayment in full. Any money remaining once the second payment has been settled in full will be applied to your third repayment.
4.4 Cross Border Transactions
Where you use our Products to make a Cross Border Transaction, we will convert what the Retailer charges for the goods into your local currency using a retail exchange rate selected by Clearpay at our discretion to determine the Original Order Value and the amounts payable by you in accordance with your Payment Schedule. The exchange rate used will change regularly to reflect the currency fluctuations in the foreign exchange market.
No set up fees or foreign exchange commission will be applied to the exchange rate applied to perform the conversion.
4.5 Interest
No interest charges are payable by you for the use of our Products.
5 Refunds
(a) If you decide to return goods to a Retailer, which have been purchased using our Products, and request a refund, or a return and refund are otherwise accepted by the Retailer or permitted by law, you will directly arrange the return with the Retailer, ensuring that the goods are returned according to the Retailer's returns policy or other instructions or your rights at law.
(b) It is your responsibility to notify the Retailer if you intend to return any goods. The return must be completed within the period specified and in the manner required by the Retailer's returns policy or as otherwise permitted by the Retailer.
(c) Unless we are notified by a Retailer that a return and refund is in progress, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.
(d) Until such time that the Retailer has confirmed the return of the goods and has issued a refund to us for those goods, you will remain liable to us for the full payment of the goods, in accordance with your Payment Schedule.
(e) Once the Retailer has issued a refund to us for the goods, we will issue a refund to your Nominated Payment Source (or, if that is not possible, to any other Card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or cancel any future payments, if necessary). Please note, in the event of partial refunds, refund amounts are taken off the last payment first. If the refund is processed to your expired or cancelled card, you will need to obtain the returned funds by contacting your financial institution.
For example, if you make a £400 purchase using Clearpay and the Retailer approves a £250 refund, we will cancel your 3rd and 4th instalments of £100, and amend your 2nd instalment to £50. Your new payment schedule will become 2 payments (instead of 4) of £100 & £50. If you had already paid 2 instalments of £100 each, a refund of £50 would be applied to your card and the remaining 2 instalments would be cancelled.
When a Retailer issues a refund for a Cross Border Transaction, Clearpay will use the original retail exchange rate (used at the time the order was placed) to determine the refund amount to apply to your Nominated Payment Source for the relevant goods.
For example, if an Australian Retailer charged 100AUD for goods which was converted to £70 as the Original Order Value, if the Retailer issues a refund to you for 50AUD, your order total and Payment Schedule will be adjusted by £35.
(f) Where you wish to return a product 120 days or more after the purchase date, we will no longer have any involvement in the product return process (i.e. the Retailer will provide any agreed refund directly to you).
6 Cancellation rights
6.1 Cancellation and Settlement
You can cancel and settle any loan agreement at any time before the final repayment falls due by repaying to us the unpaid balance of that loan agreement.
6.2 Exercise of Cancellation Right
If you wish to exercise your cancellation and settlement right, you can contact us using the form on the Contact Us section of our website which can be found at Clearpay.co.uk/contact-us. Alternatively, you can write to us at Clearpay Customer Service, Clearpay Finance Limited, Jactin House, 24 Hood Street, Manchester M4 6WX.
7 Assessment and checks
7.1 Assessment
Each Order is subject to approval by us, in accordance with clause 4.1.
7.2 Repayment capability and identity checks
(a) We may verify your identity, including under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. Verifying your identity does not mean we will approve your order (see clause 4.1(a) for other variables that are considered).
(b) You agree to provide any information or documentation reasonably requested by Clearpay or a Retailer to verify your identity in connection with your Clearpay Account or Orders.
(c) As part of our approval process and our assessment as to whether or not you have the means to make payments to Clearpay according to the Payment Schedule, we may conduct a pre-authorisation of your Nominated Payment Source. This may involve placing funds in the account linked to your Nominated Payment Source on hold each time you make an online purchase or add a new Card to your Clearpay Account. For online purchases:
(i) the pre-authorisation amount will not exceed your first instalment (plus one penny) owed to us for that purchase; and
(ii) we immediately instruct your bank to void this pre-authorisation transaction.
8 Our Intellectual Property
(a) Our Website and all content on our Website are the exclusive property of Clearpay. The information on our Website is for information purposes only and is subject to change without notice.
(b) You must not copy, imitate, modify, alter, amend or use without our prior written consent any URLs representing our Website, or any of our content, logos, graphics, icons or other content published on our Website or in our printed media.
9 Complaints and disputes
9.1 Disputes between you and a Retailer
(a) If you have a dispute with a Retailer, you should file a dispute through direct contact with the Retailer.
(b) Whilst Clearpay will endeavour to facilitate communication between you and the Retailer to enable a resolution to all disputes, the outcome of your disputes with Retailers will not affect Clearpay's rights and remedies under this Agreement or your obligation to meet any payments due to us, except as expressly provided in clause 5.
9.2 Disputes between you and us
(a) We aim to:
(i) Acknowledge receipt of all complaints within 5 business days; and
(ii) Resolve all complaints within 21 days.
(b) If you wish to raise a dispute or submit a complaint to us, you should do so by contacting us using the form on the Contact Us section of our website which can be found at Clearpay.co.uk/contact-us. Disputes should be raised with us as soon as possible.
(c) We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.
(d) Where we cannot resolve a dispute within 21 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint or dispute.
(e) You may also refer your complaint to the Online Dispute Resolution ("ODR") platform at http://ec.europa.eu/odr. The ODR platform helps to resolve disputes between customers and online traders within in the EU.
10 Notices and Communications
10.1 How we will communicate with you
(a) This Agreement and any other agreements, notices or other communications regarding your Clearpay Account and/or your use of our Products may be provided to you electronically.
(b) You agree to receive all communications from us in English and in electronic form. Communications will be posted on the secure member area of our Website (where permitted under this Agreement) and/or sent to your email address.
(c) Alternatively, we may choose to give notice to you by:
(i) serving it personally at, or sending it by post to, your nominated contact address listed on your Clearpay Account; or
(ii) sending it to you via other electronic methods of communication using contact details listed on your Clearpay Account (including text messages).
(d) Where a notice is served personally, service of the notice is taken to be effected when delivered. Where a notice is sent by post, service of the notice is taken to be effected on the second day after the date of postage. Where a notice is sent by electronic mail, or through other electronic means, service of the notice is taken to be effected on receipt.
10.2 How you can communicate with us
(a) Notices
Except as explicitly stated otherwise, any notices to us should be given by email to: email@example.com
or by post to:
Clearpay Customer Service,
Clearpay Finance Limited,
Jactin House,
24 Hood Street,
(b) Other communications
If you wish to contact us for any other reason, you can do so by using the form on the Contact Us section of our website which can be found here.
11 General
11.1 System Outages
(a) Access to our Products or our Websites may occasionally be unavailable or limited due to hardware or software failure or defects, overloading of system capacity, damage from natural events or disasters or disruptive human activity, interruption of power systems, labour shortages or stoppages, legal or regulatory restrictions as well as other causes outside of our control.
(b) To the extent permitted by law, Clearpay will not be liable for any loss or damage which you may incur as a result of our Products or our Website being unavailable.
11.2 Transfers or assignments
(a) You cannot transfer or assign any rights you may have under this Agreement without our prior written consent, which must not be unreasonably withheld.
(b) We may transfer or assign this Agreement, and any right under this Agreement, to a third party without notice to you or your consent unless the assignment will detrimentally affect your rights under the Agreement (in which case we will seek your consent prior to assignment, which consent must not be unreasonably withheld).
11.3 Governing Law and Jurisdiction
(a) Save where your primary address is in Scotland or Northern Ireland, this Agreement is governed by the law in force in England and Wales. Each party irrevocably submits to the non-exclusive jurisdiction of courts exercising jurisdiction in England and Wales.
(b) If you are resident in Scotland, this Agreement shall be governed by the law in force in Scotland and each party shall irrevocable submit to the non-exclusive jurisdiction of courts exercising jurisdiction in Scotland.
(c) If you are resident in Northern Ireland, this Agreement shall be governed by the law in force in Northern Ireland and each party shall irrevocable submit to the non-exclusive jurisdiction of courts exercising jurisdiction in Northern Ireland.
11.4 Third Party Rights
The Contracts (Rights of Third Parties) Act 1999 will not apply so as to entitle any third party to any rights or benefits under this Agreement.
11.5 Entire Agreement
This Agreement contains the whole agreement between Clearpay and you in respect of the subject matter of this Agreement and supersedes and replaces any prior written or oral agreements, representations or understandings between Clearpay and you in relation to this Agreement. Each party confirms that it has not entered into this Agreement on the basis of any representation that is not expressly incorporated in this Agreement.
11.6 Variation
Any variation of this Agreement will only be effective if made in writing and signed by both Clearpay and you.
11.7 Severability
If any provision of this Agreement is found to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of this Agreement, which shall remain in full force and effect.
11.8 No Waiver
If Clearpay does not, at any time, enforce its rights against you under this Agreement, it does not give up any such rights.
Agreement means this agreement and its schedule, together with any policies and documents incorporated by reference.
Clearpay Account means an account that Clearpay creates to uniquely identify you and to enable you to use our Products.
Clearpay Affiliate means a related body corporate or related entity of Clearpay, including one in another country.
Card means any UK card issued by Visa or MasterCard, excluding Gift Cards and other pre-paid cards.
Cross Border Transaction means a Clearpay Purchase between You and a Retailer in an overseas jurisdiction permitted by Clearpay.
Gift Card means a stored value or prepaid card which, when activated:
(a) can be used to purchase services or merchandise from suppliers;
(b) may not be redeemable for cash;
(c) may be capable of being used on multiple occasions;
(d) is marketed solely as a gift card;
(e) is not a component of another financial product; and
(f) prominently displays or permits the prominent display on the card or mechanism either:
(i) the expiration date; or
(ii) the number of months following purchase that such card or mechanism expires (along with room to write the purchase date on such card or mechanism).
For the avoidance of doubt, Gift Card includes both open loop and closed loop pre-paid cards.
Late Fees mean the fees set out in the "Highlights" to this Agreement.
Nominated Payment Source has the meaning given in clause 4.2(a).
Order means a request submitted by you to us, to use an Clearpay Product to pay for goods or services offered by a Retailer.
Original Order Value means the total cost of your Order at the time it is approved by Clearpay (before any refunds may be applied).
Payment Method means any payment method accepted by Clearpay from time to time.
Payment Schedule means, in relation to an Order, a list of payment amounts that Clearpay is entitled to receive from you, and the relevant due dates of each payment.
Products mean the payment products and associated services offered by Clearpay from time to time.
Retailer means an online merchant with which Clearpay or a Clearpay Affiliate has a merchant agreement and whose goods or services may be purchased by you using our Products.
Website means www.clearpay.co.uk and any other website operated by Clearpay, including the Clearpay App.
Disclaimer - Upload Your Images to Strictly Static
Before you upload an image, make sure that the image falls in one of the four categories:
Own work:
Public domain:
You can prove that the image is in the public domain, i.e. free of all copyrights.
Fair use:
User-created images --
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Dolly Pocket - Mint Green Star
This design can be customised with hooks, clip ons or tunnels (8mm-30mm) Leave your customisation in checkout notes if required
Hand painted and made from high quality, 3mm laser cut acrylic
The acrylic pieces are attached with a tightly closed stainless steel jump ring.
We only use high quality Surgical Stainless Steel earring posts which are of hospital grade, both lead and nickel free. Only the best for those with sensitive ears! The posts are 12mm long
The AHMAZING glitter in our designs is embedded within clear acrylic. This means that some parts of the acrylic may not contain the same amount of glitter as the next. Some small sections of the acrylic will be clear or dull, depending on the piece. This is not a flaw and makes each piece of acrylic unique
Colours shown may vary across different computer screens and mobile devices however we always do our best to capture the beauty of each design