4. Prices and payment terms
1. Determining the price
Product prices are indicated in euros, including all taxes for metropolitan France and the European Union, excluding shipping costs.
The total price of the order (including all taxes and shipping costs) is indicated in the basket.
For French overseas departments, Switzerland and all other countries outside the European Union, the sales prices shown are deemed to be exclusive of VAT and may not therefore be subject to VAT deduction. The customer acknowledges that he/she is considered the official importer and that, depending on the country or overseas department chosen for delivery at the time of ordering, he/she may be required to pay customs and/or import duties in accordance with the legislation in force in the said country or overseas department.
AND JOY reserves the right to modify its prices at any time, but products will be invoiced on the basis of the prices in effect at the time the order is registered, subject to availability.
2. Terms of payment
Products are payable in cash on the day of order or in 3x without charge.
Payment for purchases can be made by :
Credit card, VISA, Mastercard
The customer accesses a dedicated area provided by a banking institution (Payplug), which ensures the security and registration of the payment order.
Payment in 3 or 4 instalments with Payplug / Oney
Payment by instalments/deferred payment is available via our partners Payplug and Oney.
Purchase amount
Payment in 3 or 4X: Only purchases between €150 and €1,200 are eligible for payment with Oney.
Charges
There are no charges for paying in instalments with Oney.
Pay for your order in 3 or 4 instalments by credit card from €150 up to
€1200 with Oney Bank.
Our partner Oney Bank offers you a financing solution called 3x 4x Oney, which
allows you to pay for your purchases from €150 up to €1200 in 3 or 4 instalments with your credit card.
Conditions:
This offer is reserved for private individuals (over 18 years of age) residing in France and holding a Visa or MasterCard bank card with a validity date greater than the chosen financing period. Systematic authorization cards such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo and American Express are not accepted.
How to subscribe:
Once you have completed your order, simply click on the "3x 4x Oney payment by credit card" button. You will then be redirected to our partner's 3x 4x Oney web page, where you will find a detailed summary of your order and your personalized financing request, which you must then validate. Enter your personal details or, if you have a 3x 4x Oney account, log in using the login details linked to your 3x 4x Oney account. You then read the general terms and conditions of the instalment plan to which you wish to subscribe, which are provided to you in PDF format so that you can read, print and save them before accepting them. You then notify your electronic acceptance by clicking on the corresponding checkbox. You acknowledge that the "double click" associated with the checkbox on the acknowledgement of the general terms and conditions constitutes consent to contract and irrevocable, unreserved acceptance of the product's general terms and conditions. In the absence of proof to the contrary, the data recorded by Oney Bank constitutes proof of all transactions between you and Oney Bank. If you ask to benefit from a financing solution offered by Oney Bank, the information relating to your order will be transmitted to Oney Bank, which will use it to study your request for the granting, management and collection of credit. Oney Bank reserves the right to accept or refuse your request for 3x 4x Oney financing. You have 14 days in which to cancel your loan.
How it works:
Payment by credit card in 3 or 4 instalments enables you to pay for your order on our website as follows:
A mandatory deposit, debited on the day of confirmation of shipment of your order; two or three monthly instalments, each corresponding to a third or a quarter of the order, debited 30 and 60 days later for 3 instalments and 30, 60 and 90 days later for 4 instalments, which include a fee corresponding to 0% of the total amount of the order for 3 instalments and 0% for 4 instalments.
For payment in 3 instalments free of charge: the cost of financing is 0% of the total amount of the order.
Example for a purchase of €150, deposit of €50, followed by 2 monthly instalments of €50, 2-month loan at a fixed APR of 0%.
Cost of financing: €0.
For payment in 4 instalments free of charge: the cost of financing is 0% of the total amount of the order.
Example for a purchase of €400, deposit of €100, followed by 3 monthly instalments of €100. Credit for 3 months at a fixed APR of 0%.
Cost of financing: 0€
Oney Bank -SA au capital de 51 286 585 € -Siège social : 34 avenue de Flandre 59170 CROIX -RCS Lille Métropole 546 380 197 - n°Orias : 07 023 261 -www.orias.fr -Correspondence : CS 60006 -59 895 Lille Cedex 9 -www.oney.fr
4. The data recorded and kept by AND JOY constitutes proof of the order and of all transactions. The data recorded by the payment system constitutes proof of financial transactions.