Buy Now – Pay Later!

These Pay later terms apply between you and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method.

CONVENIENCE TRANSLATION - ONLY THE FINNISH LANGUAGE VERSION IS BINDING

When you choose Pay later, we offer you the possibility to pay on a due date 30 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”), which subsequently assigns its claim for payment to Nordea Finans Sverige AB (publ) (“Nordea Finans”). Klarna will send you a payment instruction by email to pay directly to Nordea Finans. If you prefer to receive the payment instruction by mail, please contact Klarna’s customer service after you’ve made your purchase. For contact details and further information about Klarna, go to: klarna.com.

Costs and Fees

We charge an invoice fee of 0 € per purchase. Late payments attract a reminder fee of 5.00 € which is added to your invoice. If the receivable remains unpaid despite the reminders, the claim may be transferred to a debt collection agency, which may attract debt collection fees.

Credit Check and Our Handling of Your Personal Data

If you choose Pay later Klarna will assess your creditworthiness. If a credit check is performed you may be informed by letter or e-mail.

Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

Assignment

You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already 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 assignment or transfer does not alter your rights and obligations under these terms to your detriment.