Equine Terms and Conditions

General Terms

By accepting our services and purchasing our goods, you, the client, contractually agree to the Terms & Conditions of Business as laid out below. Some aspects of the terms may not be relevant to you and we recommend that you ask for further explanation or clarification from our accounts team if needed.


The accounts team can be contacted as below:

Accounts Department

Armour Veterinary Group

5 High Street



Tel: 01290 550200

Email: [email protected]


Personal Details

You must provide us with correct and up to date personal information to include name, contact details, animal details, details of ownership and details of other vets whose care the animals have been under.


In line with the Data Protection Act 1998, we promise to only use your personal details for the purpose of our business. You have a right of access, under data protection legislation to the personal data that we hold about you. Clinical and account information is the property of the practice and may be shared with appropriate 3rd parties in the normal course of business e.g. for credit control purposes.



Almost all fees and stock are subject to VAT at the standard rate. Fee levels are reviewed annually and are determined according to time spent on a case, resources, drugs, materials, consumables and diets used. We will produce a detailed invoice for every transaction.


Estimates of Treatment Costs

Estimates of treatment costs can be given upon request. Please bear in mind that estimates will only be approximate as it can be difficult to estimate in advance how many drugs will be required and often an animal’s condition may not progress as expected. We will always try to keep you informed of additional treatment/costs as they arise and as such it is important that you provide us with an appropriate contact number(s).


Payment Terms

The payment terms are detailed below - but remember the terms may be different for Farm Animal and Companion Animal Clients. Notwithstanding this, we reserve the right to ask clients for prepayment of services offered at any time.


Financial Referencing & Guarantors

We reserve the right to reference current or prospective client’s creditworthiness including the use of judgements. New clients may be required to pay for services or goods in advance until an account has been set up and verified.


Inability to Pay

If for any reason you are unable to settle your account as specified, we urge you to discuss this matter with a member of the accounts team as soon as possible. Be aware that instalment or part payments may only be sanctioned with the permission of the directors of the Practice. To ensure continued service, payment plans must be adhered to.


Overdue Accounts, Returned Cheques etc.

Should an account not be settled within our payment terms, a reminder will be sent and we will add a surcharge to your account to cover our administrative costs. Any further reminders will also be invoiced as will any costs incurred whilst collecting the debt e.g. production of reports, calls, home visits, debt collection agencies, court and legal fees etc.

Bad debtors may be removed from our client list.


Where cheques are returned by our bank unpaid, credit card payment not honoured or cash tendered that is found to be counterfeit, the account balance will be returned to the original sum and further charges added in respect of bank charges and administrative costs.


Interest will be charged on overdue accounts at 1% per calendar month.


Disputes and Complaints

We hope that you will never have cause for complaint regarding your account but where there is concern, please address your comments in the first instance to the Admin Team at the address above. If they are unable to resolve the issue at the time, please put the complaint in writing within 21 days of receiving your account.


Animal Insurance

We encourage our clients to take out appropriate animal insurance but wish to clarify that any insurance policy held is an agreement between you and the insurance company – not with the Practice. We are not allowed to liaise/negotiate with the insurance company on your behalf.  It is your responsibility to settle your account within our payment terms and then reclaim the fees from your insurance company. Only where specific agreement has been sought might we defer this requirement on the basis that your insurance form is signed so that payment is made directly to us and that the insurance company have agreed to the claim in principle. You will be responsible for any excess and costs not covered by your insurance policy and any costs later rejected by your insurance company.


Please note that where an insurance company requests information from us, we are obliged to provide a complete medical history and full details of all costs. For the avoidance of doubt, we cannot influence or attempt to influence an insurance company.



Invoices are to be settled within 7 days from the date of the statement. Where treatment is on-going we request payment is made after each invoice. If invoices are not paid within 60 days, the account will be closed and will be referred to a debt collecting agency.


If you fail to make any payment due to us for any goods or services supplied by us by the due date for payment (i.e. within 30 days from the date of the statement), you shall be obliged to pay interest on the overdue amount at the rate of 1% per calendar month.


Such interest shall accrue on a daily basis from the due date until actual payment of the overdue amount. You shall pay the interest together with the overdue amount.


We accept Switch, Visa or MasterCard credit/debit cards as methods of payment along with cash or cheque made payable to Armour Veterinary Group Ltd.

We also accept online banking as a method of payment. Please see our details at the end of these Terms and Conditions of Business.


New clients will be required to pay for services or goods in advance until an account has been set up and verified.


Online Banking or Standing Order Details: 

Account name:                        Armour Veterinary Group Ltd

Address:                                     Royal Bank of Scotland

17 Earl Grey Street, Mauchline

Sort Code:                                                 83-25-09

Account Number:                   00249647

Payment Reference:             Surname and last 4 digits of account number e.g. Mrs Smith, account number 17352/0001262 Enter SMITH 1262



We will provide our services using reasonable skill and care. You will follow all reasonable instructions which we give to you. We are responsible for loss or damage which you suffer that is foreseeable as a result of our breach of these terms or our negligence but we are not responsible for any loss or damage that is not foreseeable or which is suffered due to your failure to follow any of our instructions. We have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity. Further, we will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these terms that is caused by an event outside our reasonable control. If such an event takes place, we shall contact you as soon as reasonably possible to notify you.


Cancellation / Termination

You may cancel any provision of our services at any time before the start date for the provision of the services but you will pay us in respect of any goods which have been ordered in respect of those services. If you cancel provision of services where we have already started work, you will also pay us any costs we reasonably incurred in starting to provide the services. You may cancel provision of the services with immediate effect if we breach these terms in any material way and we do not fix the situation within 14 days of you asking us to do so; or if we go into liquidation, administration or receivership.


Otherwise, you may only cancel if you give us 30 days notice in writing.

We may cancel the provision of services at any time before the estimated start date, due to an event outside our reasonable control or the unavailability of key personnel or key materials without which we cannot provide the services. We may cancel the provision of services at any time with immediate effect if you do not pay us when you are supposed to or if you breach these terms in any other material way and you do not fix the situation within 14 days of us asking you to in writing. Otherwise, once we have begun to provide the services to you, we may only cancel provision of the services by giving you 30 days notice in writing.



We may transfer our rights and obligations under these terms to another organisation and we will notify you if this happens.

These terms are governed by Scots law and you and we agree to submit to the non-exclusive jurisdiction of the Scottish courts.