We offer Our clients the following payment options: “purchase on account” and/or “payment by installment” and/or “SEPA direct debit”. The claim will be ceded to Bank Frick AG (hereinafter to be referred to as: “Bank”).

Purchasing on account, payment by installment, or payment via SEPA direct debit are only available to consumers aged 18 years and older. Using this service, they may purchase goods via the Internet and will have to pay for them only after the actual receipt of goods and invoice, or they may make the payment in convenient partial installment, or debit the amount from their account via SEPA direct debit.

The purchase agreement for the goods is exclusively between you and Us. The purchase agreement will be processed according to the agreements that you will make with Us. We specifically remain your contact for general client questions (such as in relation to the goods, delivery terms, shipment), returns, complaints, warranty claims, in the event of a dissolution of the agreement, as well as credit notes. If you choose to purchase on account or for payment by installment or by SEPA direct debit, the following terms apply in addition to the agreements and the General Terms and Conditions to which you will agree with Us in the framework of the purchase agreement.

For the purpose of processing a purchase on account or of payment by installment or by way of SEPA direct debit, we will cede our claim against you for the payment of the purchasing price to the Bank. You are hereby informed of this cession of claim. This qualifies as a notification in the meaning of Section 94 sub 1 of Volume 3 of the Dutch Civil Code. In order to qualify as payments toward the debt, payments must be made exclusively to the Bank into the account given to you for this purpose. Until full payment is made, the goods remain property of the Bank.

payolution GmbH (www.payolution.com) will act on Our behalf as a technical service provider and as evaluator of your credit standing for purposes of purchase on account or payment by installment or via SEPA direct debit.

To the extent that payment via SEPA direct debit is agreed upon, We will send you an invoice, which is due for payment immediately upon receipt without deduction. The due amount is collected from the specified account by way of SEPA direct debit.

We will inform you of the SEPA direct debit no later than one calendar day before the due date of the SEPA direct debit.

You confirm that you are authorized to issue a SEPA direct debit for the account specified during the ordering process. You are responsible for ensuring coverage of the respective account. If the account does not have the required coverage, any insufficient funds fees and related costs will be charged to your account.

In the event of a cancellation, dissolution, return, or complaints We request that you not revoke the SEPA direct debit, in order to avoid unnecessary operations and costs. The amount due for refunding to you will be credited back to the account from which it was collected by means of the SEPA direct debit, or a credit note will be issued, if such is agreed between you and Us.

With your order and the acceptance of these terms, you will issue the following SEPA direct debit with the following content, to:

When paying for a purchase by installment, you will be informed in our data entry print or in another suitable electronic medium and in an information subsequently given to you for your records about all essential contract terms in the meaning of the precontractual disclosure obligations of directive 2008/48/EC on consumer credit contracts. This information will be provided to you supplementarily, after the signing of the contract, and no later than with the delivery of the goods, in a storable electronic form or in writing.

When paying for a purchase by installment, you will be informed in our data entry print or in another suitable electronic medium and in an information subsequently given to you for your records about all essential contract terms in the meaning of the precontractual disclosure obligations of directive 2008/48/EC on consumer credit contracts. This information will be provided to you supplementarily, after the signing of the contract, and no later than with the delivery of the goods, in a storable electronic form or in writing.

An early cancellation of an existing agreement about payment by installment is possible by way of an early repayment: You are entitled to pay back the credited amount before the scheduled payment date, in part or in its entirety, at any time. In the event of early repayment, the interest owed by you decreases in proportion to the reduced outstanding claim and the resulting shorter contract duration; duration-dependent costs are reduced proportionally as well.

For delayed payments, whether for purchase on account, of payment installment, or payment via SEPA direct debit, arrears interest accrues at an agreed-upon rate, as do expenses relating to respective payment demand notices. In the event of an unsuccessful collection, the Bank may transfer an open claim to a collections agency for processing. In that event, costs may accrue to you relating to the collection by the agency, as well as possible attorney fees.

We hereby inform you that in case of payment by installment, if a due payment is not made, the Bank to which We ceded the claim to the purchasing price is entitled to terminate the agreement on payment by installment prematurely after the sending of a written notice of default and the setting of a time limit, upon which the entire amount still open becomes due for payment immediately.

The place in which all transactions are executed is the place where the business is established or has its seat of business, to the extent that this is legally permitted. The contract, order, and transaction language is Dutch.

The contractual relationship entered into between you and Us is exclusively subject to Dutch law. Any disputes following from the contract with you must be submitted to the competent court of your place of residence. No out-of-court complaints or arbitration procedure for legal disputes relating to this contractual relationship has been agreed upon. To the extent that a stipulation in these General Terms and Conditions should not be legally valid, this shall not affect the legal validity of the other stipulations of these General Terms and Conditions.