Terms of Service

These terms govern any order you place through pennyartist.com (the "Site"). By placing an order, you agree to them. Please read them alongside our Privacy Policy, Shipping Policy, and Returns Policy, which explain how we handle your personal data, delivery, and returns respectively and form part of these terms.

Effective date: 26 September 2026. Last updated: 27 September 2026.

The short version

You have 14 days to change your mind on most orders, no questions asked.
If something arrives damaged, faulty, or not as described, we'll put it right — that's on us, not your 14-day window.
Buying a piece of art from us doesn't give you the right to reproduce it — copyright stays with Penny unless we agree otherwise in writing.
We never take payment details ourselves — Stripe handles all of that.
These terms are governed by the law of Scotland, where the business is based.

1. Introduction

Nothing in these terms affects your statutory rights as a consumer under UK law, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

2. Who we are

Pennyartist.com is operated by Mrs Penny Crichton-Seager, trading as Penny Crichton-Seager Art, of The Manse, Main Street, Kirk Yetholm, Kelso TD5 8PF ("we", "us", "our"). Penny Crichton-Seager Art operates as a sole trader — there is no separate registered company, company number, or VAT registration.

3. Eligibility

The Site is not directed at children and is not intended for use by anyone under 13. To place an order, you must be at least 18 and have the legal capacity to enter into a binding contract, or be placing the order with the involvement of a parent or guardian who accepts these terms on your behalf.

4. Our products

We sell original artworks, and may also offer prints and instructional/tutorial content, as listed on the Site from time to time. Where a piece is an original work, it is typically one-of-a-kind — once sold, it's no longer available, and we'll let you know as soon as possible if an item you've ordered has become unavailable between order and dispatch.

We describe our products as accurately as we can, including photographs, but colours can vary slightly depending on your screen, and handmade original work may have minor natural variation from its photograph. This doesn't affect your right to a refund if an item is genuinely not as described (see "Cancellation, returns & refunds" below).

5. Prices and payment

All prices are shown in pounds sterling (GBP). We are not VAT-registered, so no VAT is added to prices. Delivery costs are shown separately at checkout before you complete your order.

Payments are processed securely by Stripe. We never see or store your full card details — see our Privacy Policy for more on this. Your card is charged when your order is placed.

Occasionally a product may be listed at an incorrect price due to a genuine error. If we discover a pricing error on an order you've placed, we'll contact you before dispatch to ask whether you'd like to proceed at the correct price or cancel for a full refund — we won't charge you the incorrect price without your agreement.

6. Orders and acceptance

When you place an order, we'll send an email acknowledging we've received it — this isn't yet acceptance of your order, just confirmation we've got it. A contract between us is formed when we confirm your order has been dispatched (or, for made-to-order items, when we confirm we've begun work on it).

We may decline or cancel an order — for example if the item has become unavailable, if there's a pricing or listing error, or if we suspect fraud — in which case we'll let you know and refund anything you've already paid for that order.

7. Delivery

Full details of where we deliver, delivery costs, dispatch times, and what happens if something's missing, delayed, or damaged are set out in our Shipping Policy, which forms part of these terms. In brief: delivery is by Royal Mail or another carrier we choose, and any date given is an estimate, not a guarantee — we're not responsible for delays caused by the carrier or events outside our control (see "Events outside our control" below). Risk in the goods passes to you once they're delivered to the address you gave us; ownership passes once we've received payment in full.

8. Cancellation, returns & refunds

If you're a consumer buying from us in the UK or EU, you have a legal right to cancel most orders within 14 days of receiving them, for any reason, under the Consumer Contracts Regulations 2013. Separately, and with no time limit, the Consumer Rights Act 2015 gives you the right to a repair, replacement, or refund if what you receive is faulty, damaged, or not as described.

Neither right covers goods made to your specific instructions — such as a bespoke commission, once we've begun work on it — or digital content you've already started downloading or streaming after asking us to begin early.

Full detail on both rights — how to start a return, what we'll need from you, and how and when refunds are made — is in our Returns Policy, which forms part of these terms.

9. Digital content

Where a product is a digital download or streamed video (such as an instructional tutorial) rather than a physical item, you're buying a personal licence to view it for your own private use — not ownership of the file itself. You may not copy, redistribute, publicly perform, upload, or resell digital content we provide. See "Cancellation, returns & refunds" above, and our Returns Policy, for how cancellation works for digital content specifically.

10. Intellectual property

All artwork, photographs, and content on the Site are the copyright of Penny Crichton-Seager (or used with permission), and we retain full copyright in every original artwork we sell, whether physical or digital. Buying a physical piece of art from us transfers ownership of that physical object only — it does not transfer copyright, and does not give you the right to photograph, reproduce, print, publish, or create derivative works from it for commercial purposes, unless we've agreed to that with you in writing (for example, as part of a commission agreement).

You're welcome to photograph and share pieces you own for personal, non-commercial purposes (for example, on social media, with appropriate credit).

11. Trade & wholesale accounts

If you apply for a trade or wholesale account, approval is at our discretion, and we may ask for information about your business as part of that process. Trade pricing and terms are only available to approved trade accounts and may differ from these terms where we've agreed that in writing.

12. Your account

If you create an account, you're responsible for keeping your password confidential and for anything that happens under your account as a result of you not doing so. Let us know straight away if you think someone else has access to your account. You can also check out as a guest without creating an account.

13. Acceptable use

Please use the Site lawfully and don't try to interfere with how it works — for example, attempting to gain unauthorised access to it, its accounts, or the systems it runs on, or using it to transmit anything harmful or unlawful.

14. Our liability

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law doesn't allow us to limit or exclude.

Subject to that, our liability to you for any order is limited to the price you paid for it, and we're not liable for indirect or consequential losses (for example, loss of income or opportunity) that weren't a foreseeable result of us breaking these terms. This doesn't affect your statutory consumer rights.

15. Events outside our control

We won't be responsible for any delay or failure to perform our obligations if it's caused by something reasonably outside our control — for example, extreme weather, industrial action, or a failure of postal or delivery networks.

16. Complaints

If anything about your order or experience with us isn't right, please get in touch first — we'll always try to sort it out directly and promptly.

17. Governing law

These terms are governed by the law of Scotland. If you're a consumer, this doesn't take away any protection given to you by the mandatory laws of the country you live in, and you can bring proceedings in Scotland or in the courts of the country you live in.

18. Changes to these terms

We may update these terms from time to time — for example, as the Site or our products change. We'll update the "Last updated" date above when we do. The terms that applied when you placed an order are the ones that govern that order.

19. Contact us

Questions about these terms, an order, or want to cancel or return something? Email us at support@pennyartist.com, or write to us at The Manse, Main Street, Kirk Yetholm, Kelso TD5 8PF.