Buyer Terms & Conditions
The Wholesale Buyer Ltd, trading as StockSeller Marketplace.
Last updated: 2 July 2026
Important — please read carefully
Your contract is with the Seller, not with us
StockSeller Marketplace is an independent B2B trading platform operated by The Wholesale Buyer Ltd (company registered in England & Wales). When you purchase a listing through the platform you are entering into a direct binding contract of sale with the individual Seller. The Wholesale Buyer Ltd acts solely as an introducer / broker / intermediary — we do not hold, inspect, warehouse, insure, quality-check or take legal ownership of any goods at any point, and we are not the merchant of record for the goods.
No platform liability for the goods or the Seller
The Wholesale Buyer Ltd shall have no liability whatsoever for (a) the goods, their condition, description, authenticity, legality, safety, origin, ownership, intellectual-property status, conformity or fitness for purpose; (b) any act, omission, misrepresentation, delay or breach by the Seller; (c) any loss, damage, personal injury or business interruption arising from the use, resale or handling of the goods; or (d) any consequential, indirect, special or exemplary loss (including loss of profit, goodwill, data or business opportunity). Our total aggregate liability, if any, is capped at the amount of the buyer's premium we retained on the transaction in question. Nothing in these terms limits liability that cannot lawfully be limited under English law.
The 12% buyer's premium paid to The Wholesale Buyer Ltd is remuneration for providing the marketplace and payment-reconciliation service only, and is not consideration for any warranty, insurance, fulfilment, quality-assurance or dispute-resolution service.
Buyer-only, B2B platform
The platform is strictly for UK-registered businesses, sole traders and trade resellers. All transactions are made in a business-to-business capacity. Consumer law (including the Consumer Rights Act 2015) does not apply. By purchasing you confirm you are acting in the course of a business.
Offers are binding — payment is mandatory on acceptance
Card details + offer / buy = instant payment authority
By entering your card details and submitting an offer or clicking Buy Now, you expressly agree that payment will be taken instantly and automatically from your saved payment method once the offer is accepted (or immediately on Buy Now), without further notice or confirmation — because you have already agreed to purchase the item at the price shown. Submitting the offer or clicking Buy Now is your authorisation, signature and mandate combined. This is a business-to-business transaction; any refund, partial refund, return or credit note is issued at the platform's sole and absolute discretion. No consumer right of withdrawal, cooling-off period or chargeback right applies. Initiating a chargeback against a charge taken under this mandate will be treated as a breach of these terms.
Every offer you submit through the platform is a legally binding commitment to pay the offered amount (plus VAT, buyer's premium and any chosen shipping) if the Seller accepts. By clicking “Submit offer”, “Buy now” or “Place bid” you are entering into a contract of sale subject to acceptance by the Seller. Acceptance may be given by the Seller, by their authorised representative, or automatically by the platform (for example via the Seller's auto-accept floor price or the 24-hour automated counter-offer mechanism). Once an offer is accepted you may not withdraw, cancel, reduce or vary the purchase price.
Card on file. To submit an offer or use Buy Now you must save a valid payment card to your account. We do not charge anything at the moment of offer — the card is held by Stripe for the sole purpose of completing payment if the Seller accepts. You authorise The Wholesale Buyer Ltd to charge the saved card, without further notice or instruction, for the full payable amount (goods + VAT + buyer's premium + any shipping and surcharges) immediately upon acceptance of any offer you have placed. This authorisation is given as a continuing mandate for the duration of your account, until you remove the card from your wallet or close the account.
If the off-session charge fails (insufficient funds, card declined, expired card, 3-D Secure required, etc.) we will email you a hosted Stripe Checkout link and you must complete payment within 48 hours. Failure to pay constitutes a breach of contract and we may, at our sole discretion: (a) record an unpaid-order strike against your account; (b) suspend your account from placing further offers; (c) charge you a reasonable administrative fee to cover the buyer's premium we have lost and any commercial costs incurred by the Seller; (d) report the unpaid amount to the Seller and assist them in recovering the sum directly from you (including via small-claims court, debt-collection agency, or assignment of debt); (e) refer the matter to a credit-reference agency. Three or more unpaid strikes will result in immediate and permanent suspension of your account.
Auto-counter offers. If your offer is below the Seller's auto-accept floor and the Seller has not responded within 24 hours, the platform will issue an automated counter-offer at the Seller's floor price on the Seller's behalf. You will receive an email with the counter-offer; clicking the “Accept & Pay” button in that email is equivalent to placing a fresh offer at the counter price and is subject to the same binding-acceptance and card-on-file terms set out above.
All sales are final
All sales are final and non-refundable upon payment. You are responsible for reviewing the listing carefully — including photos, condition notes, quantity, description and collection / delivery terms — and, where possible, inspecting the stock before purchasing. No right of cancellation, cooling-off or withdrawal applies once payment has been made.
Reporting issues — 7-day notification window
If upon delivery you have a material concern — such as goods damaged in transit, missing items from the lot, or stock that materially does not match the published listing description — you must notify us in writing within 7 calendar days of receipt by emailing info@stockmarketplace.co.uk, quoting your invoice / order reference and attaching clear dated photographs where applicable.
Upon receipt we will pass your notification and contact details to the Seller, who is solely responsible for reviewing and resolving the matter directly with you. Resolution (refund, replacement, partial credit or rejection of the claim) is a matter between you and the Seller.
Any concerns raised after the 7-day notification window will not be considered, and The Wholesale Buyer Ltd will have no obligation to facilitate further contact with the Seller.
Delivery & collection
- Where delivery has been offered by the Seller in the listing, please allow up to 8 UK working days for your order to arrive. Sellers are solely responsible for dispatch, courier choice and delivery performance.
- Any "free shipping" offer applies to UK Mainland only (excluding Scottish Highlands & Islands, Northern Ireland, Isle of Man, Isle of Wight, Channel Islands and offshore territories) unless the listing states otherwise.
- For collection-only listings, you are responsible for arranging uplift directly with the Seller within any timeframe specified on the listing. Failure to collect does not entitle you to a refund.
- Risk in the goods passes to the Buyer upon the Seller's dispatch (for shipped lots) or upon hand-over (for collection lots). The Wholesale Buyer Ltd is not responsible for loss or damage in transit; this is a matter between the Buyer and the Seller / courier.
VAT & invoicing
If the Seller is VAT-registered, 20% VAT is itemised on the invoice and reclaimable through your ordinary HMRC return. If the Seller is not VAT-registered, no VAT is charged on the goods (StockSeller's own 12% buyer's premium always carries VAT, as The Wholesale Buyer Ltd is VAT-registered). VAT invoices are issued by the Seller directly for the goods element; we issue a separate VAT invoice for the buyer's premium.
Chargebacks & payment disputes
Raising a chargeback or reversal claim with your card issuer or bank without first attempting resolution with the Seller through the 7-day notification process above constitutes a material breach of these terms. We reserve the right to (a) suspend or close your account, (b) debar you from future access to the platform, and (c) recover any costs, fees and platform losses incurred as a result.
Indemnity
You agree to indemnify and hold harmless The Wholesale Buyer Ltd, its directors, officers, employees and agents from and against any claim, demand, liability, cost or expense (including legal costs) arising from your breach of these terms, misuse of the platform, onward resale of the goods, any tax / customs liability, or any claim brought by your own customers or end-users.
Governing law & jurisdiction
These terms are governed by the laws of England & Wales. Any dispute between the Buyer and The Wholesale Buyer Ltd shall be subject to the exclusive jurisdiction of the courts of England & Wales. Disputes relating to the goods are between the Buyer and the Seller.