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1.1 The Club allows a customer to make advance payments to Creative IT and build a balance to use towards eligible goods sold by Creative IT.

1.2 The Club is a retailer prepayment scheme. It is not a bank account, credit union account or regulated savings account. No interest is paid on a Club balance and, unless we expressly agree otherwise in writing, no cash bonus is added.

1.3 A Club balance may only be used by the customer named on the account, unless we agree otherwise after completing any reasonable identity or fraud-prevention checks.

1.4 Customers must be at least 18 years old to open a Club account.

2.1 Payments may be made using the payment methods we make available. We will provide a receipt or other record of each payment.

2.2 Customers should retain their receipts. Our account records will normally be used to establish the balance, but a customer may provide evidence if they believe our record is incorrect.

2.3 We may correct a genuine accounting or payment-processing error. We will explain any correction to the customer and will not reduce a balance without a valid reason.

2.4 Club balances do not expire. We will not deduct inactivity fees.

3.1 A Club balance may be used towards goods available from Creative IT, subject to any lawful product or payment restrictions disclosed before purchase.

3.2 Paying money into the Club does not, by itself, reserve a particular item or fix its price. A product is reserved and a sales contract is created only when Creative IT and the customer agree on the specific product, price and any relevant delivery or collection arrangements.

3.3 Unless a price has already been expressly agreed as part of a confirmed order, the price charged will be the price applicable when the customer places the order.

3.4 If the balance is less than the purchase price, the customer must pay the difference using an accepted payment method. If the balance is greater than the purchase price, the remainder will stay on the Club account or may be refunded under section 4.

4.1 A customer may request a refund of any Club balance that has not been applied to a confirmed order or to a deposit for a specifically identified product.

4.2 Creative IT does not charge an administration fee for refunding an unallocated Club balance.

4.3 We will process the refund without undue delay and normally within 14 days after receiving the request and any information reasonably required to verify the customer and payment.

4.4 Refunds will normally be made to the original payment method. Where this is not possible, we may agree another secure method with the customer. We may request reasonable proof of identity, account ownership or payment to prevent fraud or return money to the correct person.

4.5 A refund request may be made in store, by telephone or by email using the contact details below. The customer should provide their name, contact details and Club account or receipt details.

5.1 If a customer asks us to reserve or specially order a particular product, we will confirm, before treating any Club balance as a deposit:

• the product and agreed price;
• the amount being treated as a deposit or payment;
• whether the product is being specially ordered or configured;
• the expected availability, collection or delivery arrangements; and
• any cancellation term that applies.

5.2 Once an amount has been applied to a confirmed order, cancellation and refund rights depend on the sales contract, how it was made, the reason for cancellation and applicable consumer law.

5.3 Where a customer simply changes their mind about an in-store order, Creative IT may retain only an amount that is reasonable and proportionate to the actual loss or non-recoverable cost caused by the cancellation, where this was clearly disclosed before the order was confirmed. We will refund the remainder. We will explain any deduction on request.

5.4 We will not impose a standard €25 administration charge automatically. Any permitted deduction must reflect the circumstances of the particular cancellation and must not operate as a penalty.

5.5 No cancellation deduction will be made where:

• Creative IT cannot supply the agreed goods;
• Creative IT cancels the order;
• the customer is legally entitled to a full refund or to cancel without such a charge;
• the goods are faulty, not as described or otherwise do not conform to the contract and the customer is entitled to a refund; or
• retaining the payment would otherwise be unlawful or unfair.

5.6 Where an order is made online, by telephone or otherwise at a distance, any statutory cancellation rights and refund timeframes applicable to that contract will apply. These Terms do not restrict those rights.

6.1 Product availability can change. Unless we have confirmed a specific reservation or order, we do not guarantee that a particular product will remain available.

6.2 If we cannot supply a product that has been confirmed, the customer may choose, as applicable, to:

• use the amount towards another product;
• return the amount to their general Club balance; or
• receive a refund to which they are entitled.

6.3 We will not substitute a materially different product without the customer’s agreement.

7.1 Goods purchased using a Club balance have the same statutory consumer protections as goods purchased using another payment method.

7.2 Nothing in these Terms limits any right the customer may have to a repair, replacement, price reduction, cancellation or refund under the Consumer Rights Act 2022 or other applicable law.

7.3 Where a statutory refund is due, we will not replace it with Club credit unless the customer freely agrees.

8.1 If a receipt or Club reference is lost, the customer should contact us promptly. We will take reasonable steps to identify the account and verify ownership.

8.2 We may temporarily pause a withdrawal or transaction while reasonably investigating suspected fraud, unauthorised access, money laundering, a payment dispute or an accounting error. We will not withhold a customer’s money longer than reasonably necessary and will comply with applicable law.

9.1 A customer may close their Club account at any time. Any unallocated balance will be refunded in accordance with section 4.

9.2 We may close or suspend an account for a valid reason, including suspected fraud, misuse or where continuing the Club becomes unlawful or impracticable. Except where the law requires otherwise, we will refund any unallocated balance and deal with any confirmed order in accordance with the applicable contract and consumer law.

10.1 We may update these Terms for legal, regulatory, security or operational reasons.

10.2 A change will not retrospectively remove a customer’s accrued balance or materially reduce rights attached to payments already made. Where a proposed change would materially disadvantage an existing customer, we will give reasonable notice and allow the customer to withdraw their unallocated balance without charge.

11.1 We use personal information to administer the Club, maintain payment records, prevent fraud, communicate with customers and comply with legal obligations.

11.2 Personal information will be handled in accordance with our Privacy Notice. Joining the Club does not require a customer to consent to optional marketing.

12.1 Customers should contact us first if they have a concern or complaint. We will try to resolve it promptly and fairly.

12.2 Customers may also obtain information about consumer rights from the Competition and Consumer Protection Commission at ccpc.ie.

13.1 These Terms are governed by Irish law.

13.2 The Irish courts have jurisdiction, but this clause does not remove any right a consumer may have to bring proceedings in another court permitted under applicable consumer law.