Terms and Conditions Klarna

Buy Now - Pay Later

These Pay Later Terms apply between you and the store where you purchase goods, tickets, or services and choose Pay Later as your payment method.

By choosing Pay Later, we offer you the option to pay 30 days after the shipment of your goods or tickets or after the date when the service or digital content becomes available to you. We assign our claim to you to Klarna Bank AB ("Klarna"). Klarna will send you a payment instruction for you to pay directly to Klarna. For contact information and more details about Klarna, please visit klarna.com.

You only pay when you have received your order!

Klarna provides consumers with Purchase Protection, meaning you do not have to pay for your ordered goods until you have received them, and Klarna will assist you if you encounter any issues with your purchase.

For more information and instructions, please visit:

https://www.klarna.com/be/aankoopbeschermingklarnas-aankoopbescherming-voor-consumenten/

Costs and Commission

We charge a commission of €0.65 + 2.39% per purchase.

Reminder Fees

If Klarna does not receive full payment by the due date indicated on the invoice, you will be required to pay reminder fees in accordance with the table below. There is a minimum of 10 days between each reminder.

Collection Costs

If Klarna has not received full payment after the third reminder, the invoice will be handed over to our collection partner. In this case, a statutory interest of 12% per annum or the legal interest rate for late payment in commercial transactions is due by law, without the need for a notice of default. In addition, Klarna or the collection partner, in case of full or partial non-payment of the debt on the due date, is entitled by law, without the need for a notice of default, to a fixed compensation of 15% of the invoice amount, with a minimum amount of 40 euros per invoice. This lump-sum compensation is in addition to the reminder fees mentioned above. Interest and compensation start running from the due date of the invoice.

Credit Check and Processing of Your Data by Klarna

If you choose Pay Later, Klarna will assess your creditworthiness, sometimes conducting a credit check. Klarna processes your personal data to fulfill our obligations under this agreement and for additional purposes you can find in our Privacy Statement. The Privacy Statement is available here and on our website. By using Klarna's services, you confirm that you have read this Statement. We process your personal data, for example, to identify you and to conduct customer analysis, credit assessments, marketing, and business development. We may also share your data with selected partners (such as credit information agencies) that may be located outside the EU/EEA. In the Privacy Statement, you will find more information about data sharing, your rights regarding your data, how to contact us with questions, or how to file a complaint with an authority.

Assignment

You may not transfer or assign any rights or obligations you have under these terms. To the extent, whether or not permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time, provided that such transfer or assignment does not adversely affect your rights and obligations under these terms.

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