Terms and conditions COMPANY Finn-Ostra OY (www.online-rengas.fi) sells products to private persons in Finland and abroad. We reserve all rights to change the terms and conditions, and the prices. All prices include the VAT. Contact us E-mail: firstname.lastname@example.org Telephone: +358 400 679 176 Address: Totokatu2/224,53810 Finland Orders Orders are collected from the online shop selection by adding the products to the shopping basket. The order is confirmed by using the check-out functionality in the online shop to pay for the purchase. By confirming an order, you accept these terms and conditions, product pricing and shipping costs. An e-mail confirmation will be delivered in case an e-mail address is provided by the time of confirming the order. The e-mail confirmation lists the products ordered and the price breakdown. Payments Maksukaista (Paybyway Oy, business-id FI24865594) is the payment facilitator of the online shop. The Paybyway Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of the Maksukaista. Maksukaista / Paybyway Oy is shown as the payment received in the bank account listing and in the invoice. Paying with Maksukaista is safe. All information is exchanged through secured connections. The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade. Payment methods With Maksukaista you can pay your order by an internet banking account, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards, Jousto and Everyday. Maksukaista Lasku - Maksukaista Invoice The arvato Finance and Maksukaista offer an option to pay the order by an invoice. The payment term is 14 days. Paying by the invoice requires to be over 18 years old, to have a valid credit history, to have a registered address in Finland in the Population Register and the goods to be delivered to the registered address in Finland. If total sum of the purchase exceeds 50 euros, you can decide to pay the invoice in parts. Activating the part payment requires accepting the PayByBill terms and conditions and to pay the minimum part stated in the invoice. The remaining part of the credit can be paid at any time without any extra expenses. 2,90 eur credit fee and interest rate are added to the monthly invoice. The current yearly interest rate is 19,50%. The interest rate is tied to the interest rate defined by the European Central Bank twice a year. In addition, one time fee of 9,50 eur is invoiced for opening the credit account. PayByBill terms are available in: http://finance.arvato.com/fileadmin/user_upload/Finland/terms_conditions/PBB_-_arvato_Finance_-_Luottoehdot_-_20032014.pdf Contact Maksukaista Maksukaista, Paybyway Oy (business-id FI24865594) E-mail: email@example.com Telephone: +358 29 300 5050 (workdays 9-16) Address: Laserkatu 6, 53850 Lappeenranta, Finland Shipping Orders are being shipped during workdays. Products from the stock are usually delivered within 3-8 workdays. Delivery for products that are not in stock usually takes 1-3 weeks. Shipping costs are defined by the selected delivery method, possible extra services, shipment weight and size. The shipping costs can be seen in the check-out functionality before confirming the order. Please inform us without a delay - at least within 14 days - in case a product has lost or damaged in shipping. The logistics company must be also informed regarding any products damaged in shipping. Returns The customer has a right to change or return ordered products during 14 days of receiving the order. The customer has a right to change or return all or part of the products in the order. The changed and returned products must be unused and in the original packaging. If you wish to change or return products, please contact us first for the instructions. Please attach your name, contact details and your bank account number for receiving the refund. Cancelling an order, defect liability and reclamations The customer has right to cancel an order before the order is dispatched. The cancellation must be done in written by an e-mail to the customer support of the online shop. The online shop is liable for defects in the sold products according to the applicable law. Please contact the customer support of the online shop immediately in a case of reclamation. The consumer has a right to file a dispute in the Consumer Disputes Board in a case of dispute between the online shop and the consumer.