These Payment & Invoicing Terms apply to business customers of RA Creative Limited, including services supplied under the RA Creative and StudioPackshots brands, unless different payment arrangements are expressly agreed in writing.

1. Application

1.1 These terms form part of RA’s Terms of Business and any applicable Order, quotation or agreement.
1.2 Where a bespoke written agreement or Order expressly contains different payment terms, those separately agreed terms take precedence to the extent of any conflict.

2. Invoices and payment periods

2.1 Unless otherwise stated in the applicable Order, RA’s standard invoices are payable within 7 days of the invoice date.
2.2 RA may approve credit terms for particular Clients. Approved corporate accounts may be invoiced on 30-day terms or such other period as RA confirms in writing.
2.3 The existence of a Client purchase-order, procurement or internal approval process does not extend the payment period unless RA expressly agrees otherwise.
2.4 All charges are exclusive of VAT unless expressly stated otherwise.

3. Studio Packshots

3.1 StudioPackshots is a trading brand of RA Creative Limited.
3.2 Unless RA has approved credit terms, StudioPackshots may require payment before final high-resolution images or other final deliverables are released.
3.3 Proofs, previews or watermarked/low-resolution images may be supplied for review or approval before payment without granting any right to use them commercially.
3.4 Approved corporate StudioPackshots Clients may be invoiced on agreed credit terms, including 30-day terms where expressly approved.
3.5 Any licence or right to use final photography remains subject to payment in full in accordance with RA’s Terms of Business.

4. Invoice queries

4.1 The Client should raise any genuine invoice query promptly in writing, identifying the invoice, amount disputed and grounds for the dispute.
4.2 A dispute concerning part of an invoice does not entitle the Client to withhold an undisputed amount.
4.3 A dispute concerning one invoice or Order does not entitle the Client to withhold sums properly due under another invoice or Order.

5. Late payment

5.1 Where applicable, RA reserves the right to claim statutory interest, fixed compensation and reasonable recovery costs in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 and applicable regulations in respect of overdue commercial debts.
5.2 RA’s decision not to charge interest, compensation or recovery costs on one occasion does not waive its right to do so on another.
5.3 RA may suspend or terminate Services for non-payment in accordance with its Terms of Business and any applicable service terms.

6. Debt recovery

6.1 RA may take reasonable steps to recover overdue sums, including issuing reminders, formal demands, a Letter Before Claim, instructing a debt recovery provider or commencing court proceedings.
6.2 The Client remains liable for statutory compensation and reasonable recovery costs where recoverable by law.
6.3 Payment of overdue sums does not prevent RA from recovering interest, compensation or costs which have already accrued where applicable.

7. Method of payment

7.1 Payment may be made using the methods offered by RA for the relevant invoice or service, which may include bank transfer and, where available, card, Apple Pay or Google Pay through an authorised payment provider.
7.2 The Client is responsible for ensuring that payment reaches RA by the due date.

8. Credit facilities and limits

8.1 Any credit terms offered by RA are discretionary and do not create an obligation to continue providing credit on the same basis for future work.
8.2 RA may set and review a reasonable credit limit for a Client having regard to matters including the value of work being undertaken, amounts outstanding, payment history and available credit information.
8.3 Where the Client exceeds an applicable credit limit, has material overdue amounts, or RA reasonably considers its credit exposure has materially increased, RA may require payment of outstanding amounts, a payment on account or payment in advance before accepting or commencing further work.
8.4 RA may reduce, withdraw or vary credit facilities on reasonable notice where reasonably necessary because of payment history or credit risk. This does not alter payment terms already expressly agreed for an invoice that has already been issued.
8.5 Nothing in this clause requires RA to suspend existing critical Services automatically when a credit limit is exceeded. RA may determine appropriate credit-control action having regard to the applicable contract and circumstances.

9. Changes

9.1 RA may update these terms from time to time. The version applicable to an Order will normally be the version incorporated when the Order was accepted or work was instructed.

RA Creative Limited
Company Number: 01940817
Registered Office: 7 Poplars Court, Lenton Lane, Nottingham, England, NG7 2RR
Revised working master for publication/solicitor review and internal record.