Privacy Policy

 

We Value your privacy

At Julian Cousins Valuations (J&R Cousins Ltd), we’re committed to protecting and respecting your privacy.

This policy explains when and why we collect personal information about people who visit our website, how we use it, the conditions under which we may disclose it to others and how we keep it secure.

We may change this policy from time to time so please check this page occasionally to ensure that you’re happy with any changes.

By using our website, you’re agreeing to be bound by this policy.

If you have any questions regarding this policy and our privacy practices please email us at julian@jewelleryvaluation.co.uk or write to us at Julian Cousins Valuations, 9 Sun Street, Canterbury, Kent CT1 2HX

Who are we?

We are J&R Cousins Ltd T/A Julian Cousins Valuations

Our VAT number is: GB259683158
We are Registered in the UK and our Company Number is 8372419
Our Registered address is: J&R Cousins Ltd ,The CPD Partnership (Kent) Ltd, Chute House, 24 The Street, Appledore, Ashford, Kent TN26 2BX

How do we collect information from you?

We obtain information about you when you use our website, for example, when you contact us about our services, or when you complete one of our ‘take-in’ forms at the start of the valuation process.

What type of information is collected from you?

The personal information we collect might include your name, email address and telephone number (if you contact us using the form), postal address, IP address, and information regarding what pages are accessed and when, in addition to details regarding the property to be valued such as stone reports, old sales receipts, previous valuations etc.

How is your information used?

We may use your information to:

  • process valuations that you have requested;
  • to carry out our obligations arising from any contracts entered into by you and us;
  • seek your views or comments on the services we provide;
  • notify you of changes to our services;

A digital copy of your valuation will be kept for as long as may be required to fulfil the original purpose for which the data was collected. We recommend a period of seven years during which time the information may be used to provide information in the event of a dispute or claim or prepare an updated valuation.

All data will be kept in a secure digital form, encrypted and protected by passwords known only to the valuer. Any backup will also be encrypted and stored in a safe when not in use.

Who has access to your information?

Your information will not be sold to anyone.

Your data will not be shared with any third party without your written permission, except if compelled to do so by law.

Your data will not be used for any other purpose, other than to record, file and recover reports for your own use and not to market any other service to you.

How you can access and update your information

The accuracy of your information is important to us.

If you change email address, or any of the other information we hold about you, please email us at: julian@jewelleryvaluation.co.uk

You have the right to ask for a copy of the information we hold about you (we may charge £10 for information requests to cover our costs in providing you with details of the information we hold about you).

Your personal data can be removed or modified at your written request at any time.

Security precautions in place to protect the loss, misuse or alteration of your information

Non-sensitive details (your email address etc.) are transmitted normally over the internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk.

Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given a password which enables you to access encrypted digital versions of reports (usually in PDF format), you are responsible for the sharing preferences of this password (e.g. with your Insurance providers, solicitors etc.).

Links to other websites

Our website may contain links to other websites run by other organisations.

This privacy policy applies only to our website‚ so we encourage you to read the privacy statements on the other websites you visit.

We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our website.

In addition, if you linked to our website from a third party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third party site and recommend that you check the policy of that third party site.

Transferring your information outside of Europe

As part of the services offered to you through this website, the information which you provide to us may be transferred to countries outside the European Union (“EU”). By way of example, this may happen if any of our servers are from time to time located in a country outside of the EU. These countries may not have similar data protection laws to the UK.

By submitting your personal data, you’re agreeing to this transfer, storing or processing. If we transfer your information outside of the EU in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.

If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.

 

Cookie Policy

 

Use of ‘cookies’

Like many other websites, the Julian Cousins Valuations website uses cookies. ‘Cookies’ are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual.

For example, we use cookies to store your device and browser preference. This helps us to improve our website and deliver a better more personalised service.

What types of cookies are there?

Broadly, there are 4 types of cookie:

Strictly necessary cookies: These are cookies that are essential to make a website work and enable features that users have specifically asked for. These types of cookies are commonly used with shopping baskets or e-billing. Without use of cookies, these features of the website could not operate.

Performance cookies: These cookies collect anonymous information about users for the purpose of assessing the performance of a website. Common uses include well-known web analytics tools such as ‘Google Analytics’.

Functionality cookies: These are cookies that automatically remember choices that users have previously made in order to improve their experience next time they visit a website. For example, they are used when users select their preferred settings and layout.

Targeting or Advertising cookies: These cookies are similar to performance cookies, in that they collect information about users’ behaviour. However, this information is used at individual user level to advertise products and services to users on the basis of the behavioural information collected.

What cookies does the Julian Cousins Valuations website use?

We use both Strictly Necessary and Performance cookies.

The Strictly Necessary cookies are required and expire at the end of your browsing session.

We use Google Analytics to analyse the use of our website which generates statistical and other information about website use by means of cookies.

The analytics cookies used by our website have the following names: _ga, _gat and _gid

Our analytics service provider’s privacy policy is available at: https://www.google.com/intl/en/policies/privacy/

Your choices regarding cookies

It is possible to switch off cookies by setting your browser preferences.

For more information on how to delete cookies on your computer or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser.

Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

Review of these Policies

We keep this Policy under regular review. This Policy was last updated in May 2018.

Insurance

The idea of Insurance is to put you back in the same position you were before the ‘Insured Peril’ happened; you’ll see the word ‘indemnify’ in your policy.

A valuation for Insurance provides proof of the value of your jewellery, usually on the basis of what you would have to pay for it, if you had to buy a similar item from a retail shop, either second hand or new, depending on the item.

A fully researched and justifiable valuation enables a fair premium to be calculated and should reduce the chance of a challenge by Insurers in the event of a claim.

N.B. It is not considered proof of ownership.

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Probate

Under Section 160 of the Inheritance Act of 1984, the estate of a deceased
person is required to be valued so that “Death Duties or Inheritance Tax can be calculated, as applicable” by Her Majesty’s Revenue and Customs.

The value should represent the ‘open market value’, and is therefore completely different to the Insurance value and is usually considerably less. It is therefore important to have an appropriately calculated Probate valuation in order to mitigate tax liabilities, whilst remaining within the letter of the law.

The rule of thumb at HMRC appears to be that you do not need to have a professional value items under £500, but take advice from your solicitor.

A 2012 article from the Guardian discusses the dangers of incorrect Probate valuations for bricks and mortar property, but it could just as easily be referring to jewellery. Read more HERE

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Division of Assets or Family Division

An independent jewellery valuation is often required to aid the fair division of assets in the event of divorce.

The value is usually based on the Open Market Value – what the item is likely to achieve at auction – rather than what was paid for it, or what it would cost to replace.

Before asking us to provide a valuation for Division of Assets, check that the court doesn’t require a Single Joint Expert to act for both sides.

We will gladly provide a valuation, but it would be prudent to check that all parties agree to our appointment.

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How much does it cost?

If you would like us to provide a valuation of your jewellery, you will be asked to sign our Privacy Statement and agree to our take-in explanatory notes and limiting conditions, which are the standard notes and limiting conditions of the Institute of Registered Valuers.

We particularly draw your attention to item ix of our Terms & Conditions.

Valuation Fees:

Insurance, Probate, Private Treaty etc.
Standard document fee: £65
Charge per item or group of up to 5 lower value items*: £50

*Items with a value under approximately £500 are grouped as ‘miscellaneous’ and treated as one item.

Diamonds over 1 carat: £65 per carat

For very large valuations with more than 25 items, there is a flat day-rate of £1,250.00

 

We regret that we do not undertake the valuation of watches

Exceptional items (tiaras, parures, civic regalia etc.) will be charged on a time spent basis at £65 per hour.

All our valuations are bound in a high quality folder and contain digital images of your jewellery together with a full description including stone weights and dimensions, hallmark details, gross weight and current value.

They are prepared by a Fellow of the Institute of Registered Valuers

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Division of Assets or Family Division

An independent jewellery valuation is often required to aid the fair division of assets in the event of divorce.

The value is usually based on the Open Market Value – what the item is likely to achieve at auction – rather than what was paid for it, or what it would cost to replace.

Before asking us to provide a valuation for Division of Assets, check that the court doesn’t require a Single Joint Expert to act for both sides.

We will gladly provide a valuation, but it would be prudent to check that all parties agree to our appointment.

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Post Loss Assessment

Unless you’re here out of curiosity, we’re sorry you’re on this page, because it means that your Insurers have asked you to provide estimates to replace jewellery that has been lost or stolen but for which you don’t have any recent purchase receipts or valuations – now widely known as a Post Loss Assessment.

We valuers do not refer to this as a valuation because we are unable to inspect the items and the figures we arrive at are highly speculative, but hopefully we can arrive at a suitably justifiable figure that will enable you to get your claim settled as quickly as possible.

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