4. Price and Payment Terms
1. Price determination
The prices of the products 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 shopping cart.
For Overseas departments, Switzerland, and all other countries outside the European Union, the sales prices displayed are considered tax-free and cannot be subject to a VAT deduction. The customer acknowledges that they are considered the official importer and may, depending on the country or Overseas department of delivery chosen at the time of the order, be required to pay customs and/or import duties in accordance with the legislation in force in said country or Overseas department.
The AND JOY Company reserves the right to modify its prices at any time, but products will be invoiced on the basis of the rates in force at the time of registration of the order, subject to availability.
2. Payment terms
Products are payable in full on the day of the actual order or in 3 interest-free installments.
Payment for purchases is made either by:
Credit card, VISA, Mastercard
The customer accesses a dedicated space provided by a banking institution (Payplug), which ensures the security and recording of the payment order.
Payment in 3 or 4 installments with Payplug / Klarna
Payment in installments/deferred payment is available through our partners Payplug and Klarna.
Purchase amount
Payment in 3 or 4 installments: Only purchases between 150 € and 1200 € are eligible for payment with Klarna.
Fees
When paying in installments with Klarna, the Customer pays no fees.
Pay for your order in 3 installments by credit card starting from 150€ of purchases up to
1200€ with Klarna.
Our partner Klarna offers a financing solution called 3x Klarna, which
allows you to pay for your purchases from 150€ to 1200€ in 3 installments with your credit card.
Conditions:
This offer is reserved for individuals (legal-age natural persons) residing in France and holding a Visa or MasterCard credit card with a validity date longer than the chosen financing duration. Systematic authorization cards, such as Electron, Maestro, Nickel, etc., as well as e-cards, Indigo cards, and American Express are not accepted.
Subscription terms:
After completing your order, simply click on the “pay in 3x Klarna by credit card” button. You are then redirected to our partner’s 3x Klarna webpage displaying the detailed summary of your order and the personalized financing request, which you must then validate. You enter your personal information or, if you have a 3x Klarna account, you log in using the credentials linked to your 3x Klarna account. You read the general terms and conditions for payment in installments you wish to subscribe to, which are provided in PDF format so that you can read, print, and save them before accepting. You then notify your electronic acceptance by checking the corresponding box. You acknowledge that the “double click” associated with the checkbox regarding reading the general terms and conditions constitutes consent to contract and constitutes an irrevocable and unreserved acceptance of the product’s general terms and conditions. Unless proven otherwise, the data recorded by Klarna constitutes proof of all transactions concluded between you and Klarna. If you request to benefit from a financing solution offered by Klarna, information regarding your order will be transmitted to Klarna, which will use it for the purpose of studying your request for granting, managing, and collecting credit. Klarna reserves the right to accept or refuse your 3x Klarna financing request. You have a 14-day withdrawal period to cancel your credit.
How it works:
Payment in 3 or 4 installments by credit card allows you to pay for the order placed on our merchant site as follows:
A mandatory down payment, debited on the day of confirmation of your order shipment; two or three monthly payments, each corresponding to a third or a quarter of the order, debited at 30 and 60 days later for the 3 installments and at 30, 60, and 90 days later for the 4 installments, which include fees corresponding to 0% of the total order amount for a 3 installment plan and 0% for a 4 installment plan.
For interest-free payment in 3 installments: the cost of financing is 0% of the total order amount.
Example for a purchase of 150€, down payment of 50€, then 2 monthly payments of 50€, credit with a duration of 2 months at a fixed APR of 0%.
Cost of financing: 0€.
For interest-free payment in 4 installments: the cost of financing is 0% of the total order amount.
Example for a purchase of 400€, down payment of 100€, followed by 3 monthly payments of 100€. Credit with a duration of 3 months at a fixed APR of 0%.
Cost of financing: 0€
4. The data recorded and stored by the company AND JOY constitutes proof of the order and all transactions made. The data recorded by the payment system constitutes proof of financial transactions.