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easyCredit AGB

easyCredit

Supplementary General Terms and Conditions
to the easyCredit installment purchase

1 Scope of application and general terms of use The following supplementary

These General Terms and Conditions (hereinafter referred to as GTC) apply between you and the merchant for all contracts concluded with the merchant in which the easyCredit installment purchase (hereinafter referred to as installment purchase) is used. In the event of a conflict, the supplementary GTC shall take precedence over any other general terms and conditions of the merchant. An installment purchase is only possible for customers who are consumers according to § 13 BGB (German Civil Code) and have reached the age of 18.

2. installment purchase

With the support of TeamBank AG Nürnberg, Beuthener Straße 25, 90471 Nuremberg (hereinafter referred to as TeamBank AG), the retailer provides you with the installment purchase option for your purchase.

The retailer reserves the right to check your creditworthiness. For further details, please refer to the installment purchase data protection notice in the order section. If it is not possible to use the installment purchase option due to insufficient creditworthiness or reaching the merchant's sales limit, the merchant reserves the right to offer you an alternative payment option.

The contract for an installment purchase is concluded between you and the retailer. There is no payment, but with the installment purchase you decide to pay the purchase price in monthly installments. Monthly installments are to be paid over a fixed agreed term, whereby the final installment may differ from the previous installment amounts. Ownership of the goods remains reserved until full payment has been made.

The receivables arising from the use of the installment purchase shall be assigned by the merchant to TeamBank AG within the framework of an ongoing factoring agreement. Payments can only be made to TeamBank AG with debt-discharging effect. Apart from the general trade supervisory authority, the merchant is not subject to supervision by a supervisory authority. Complaints can be addressed to the merchant by letter or e-mail.

3. installment payment by SEPA direct debit

With the SEPA direct debit mandate issued with the installment purchase, you authorize TeamBank AG to collect the payments to be made through the installment purchase from your current account specified in the order process at the credit institution specified there by means of a SEPA direct debit.

Collection shall take place at the earliest on the date specified in the pre-notification/advance notice. A later, more timely collection may take place. If there is a reduction in the purchase price amount between the pre-notification and the due date (e.g. due to credit notes), the amount debited may differ from the amount stated in the pre-notification.

You must ensure that your current account has sufficient funds on the due date. Your bank is not obliged to honor the direct debit if there are insufficient funds in the current account. If a direct debit is returned due to insufficient funds in the current account, due to an unjustified objection by the account holder or due to the expiry of the current account, you will be in default even without a separate reminder, unless the return debit is the result of a circumstance for which you are not responsible.

Costs charged to TeamBank AG by your bank for a return debit note for which you are responsible may be claimed by TeamBank AG from you as damages and must be reimbursed by you. You reserve the right to prove to TeamBank AG that you have suffered less damage or no damage at all. If you are in default, TeamBank AG is entitled to charge a reasonable reminder fee or default interest of five percentage points above the respective prime rate of the European Central Bank for each reminder.

Due to the high costs associated with a returned direct debit, we ask you not to object to the SEPA direct debit in the event of a withdrawal from the purchase contract, a return or a complaint. In these cases, the payment will be reversed in agreement with the retailer by transferring back the corresponding amount or by issuing a credit note.