|
has.
|
Duration (in weeks):
|
* 6 or 8
|
|
b.
|
Total number of payments (including any payment of due every two weeks):
|
4
|
|
c.
|
Unpaid balance at the start of the duration (i.e. the total advanced amount for the amount of your order):
|
*according to the command
|
|
d.
|
Unpaid balance at the end of the duration
|
0 |
| e. |
Annual interest rate: |
0%
|
| f. |
Annual percentage rate (TAP):
|
0%
|
| g. |
Processing or administration fees
|
None
|
|
h.
|
Total loan cost:
|
0
|
|
i.
|
Costs in the event of failure:
|
None
|
|
J.
|
Secure with regard to the staggered payment agreement:
|
S.O
|
|
k.
|
Secure with regard to the staggered payment agreement:
|
S.O
|
Final payment calendar:
The dates indicated for the cash payment and the remaining payments and the payment amounts in the payment calendar are only estimates Based on the best information reasonably accessible at the time of your purchase, including the purchase amount indicated when you go to the checkout with Afterpay. The actual dates of your cash payment and your payments may occur after the dates indicated in the payment calendar. Likewise, your cash payment and your real payment amounts may be higher or lower depending on the final purchase amount confirmed by the merchant. Afterpay will send you a final payment calendar as a supplement of this agreement once you have made your purchase from the merchant. The final payment calendar will contain your cash payment, payment amounts and real payment dates. There may be a delay between the time of your purchase and the transmission of your final payment calendar and the subsequent imputation of the payment of your payment method. It is understood that the time zone applicable for all the due dates indicated in a payment calendar is the HNP/HAP, as the case may be.
This agreement includes the final payment calendar which is sent after you make your purchase from the merchant. You agree that the final payment calendar will replace the payment calendar.
Anticipated reimbursements:
You can repay the entire or part of your payments at any time at no time or penalty for early repayment. If you make a partial early reimbursement, you must still continue to make your payments to the planned payment dates, as stated in the agreement, until full reimbursement of the sums due under the agreement. Partial anticipated reimbursements will be brought to the credit of the unpaid balance of the amount (in Quebec, the unpaid amount of the order) due to the terms of the agreement when they are made and will be reduced to the unpaid balance (in Quebec, unpaid amount of the order) at that time.
Promise of reimbursement:
The agreement governs your reimbursement in our place of the funds that we have paid according to your directives and on your behalf to an approved merchant to allow you to acquire certain goods or services that you had selected. You promise to pay the sum of your cash payment and other payments under this Dates Agreement and in accordance with the amounts indicated as a "cash payment" and "calendar of remaining payments" (collectively, your " Payment calendar ”), possibly modified by the final payment calendar (including all taxes and costs), increased by all other costs that accumulate under this agreement until the full settlement. You understand that the actual amounts and dates of due dates of your "cash payment" and payments in your "remaining payment calendar" will be provided electronically as a supplement of this agreement (the "" Final payment calendar ”).
[Do not apply to residents of Quebec] Please note that article 9 of this agreement includes provisions governing the settlement of complaints that we may have against each other. These provisions limit our responsibility and may require the arbitration of a dispute that you assert against us. The agreement includes important terms concerning your rights relating to the costs, dispute resolution and applicable laws.
This agreement incorporates the first declaration provided above by referring, the above payment calendar and the final payment calendar, if applicable.
Product use and disbursement authorization
By electronically accepting this agreement, You agree to pay us the amount of the cash payment, and we agree to pay the product without delay under the terms of this agreement to the merchant that you select at the checkout. You promise to reimburse us for the amount of your purchase indicated by the merchant at the checkout. Your final payment calendar is provided electronically as part of this agreement. Unless you are a Quebec resident, you also agree to pay the applicable costs that you incur under this agreement.
1. Payments
When you accept this agreement and place an order, you will indicate the payment method of your choice and register a credit or debit card of an eligible Canadian transmitter like " Payment method ». In addition to any required payment, you must make three (3) or four (4) payments (each, one " Payment ) According to the amounts indicated in your final payment calendar. It is up to you to make sure that you have sufficient funds to make the dates specified in your final payment calendar.
In addition to the terms relating to the anticipated reimbursements stated in the first declaration, please note that if you make all the payments entirely on their dates of exigibility, your last payment will be made on the due date indicated in the final payment calendar . You can reimburse in anticipation all the sums due to the terms of this agreement, in whole or in part, at any time without penalty and you can make a payment in advance, in whole or in part, without penalty or bonus at any time.
If you want to change your payment method or take other payment arrangements, you can do it online or if this feature is not available or if you have other concerns or questions, you can communicate with us 'address info@afterpay.com. The payment method you choose and any necessary authorization will not have an impact on your obligation to pay all sums payable under this agreement at the time of their exigibility. The above authorization is added to the compensation rights that we may have under applicable laws without limiting them.
2.Fre
No financing, delay or insufficient funds or any interest costs are associated with this agreement. The transmitter of your payment method may charge interest or other costs in accordance with the terms and conditions of the agreement between you and the issuer of your payment method.
3. Failure and defect
If you do not make payments due in the way required by this agreement, you will be failing. If you are failing, have started bankrupt or insolvency procedures or are at the origin or contravene any other important modality of this agreement, we may, to the extent and at the time authorized by the applicable laws, you Consider as default and get ahead of the deadline for this agreement and all payments due to the terms of these. If you do not make a required payment under this agreement, we reserve the right to limit, restrict or suspend your access to your afterpay account or end it.
4. Approval and cancellation
All orders are subject to our approval. We may, to our sole appreciation, not approve your request or cancel a request approved before delivery or supply of goods or services. If we annul your previously approved request:
a) We will fully reimburse you the amounts you have paid (excluding retrofactoring or the costs incurred with regard to your payment) and we will cancel the future payments relating to this order.
b) The merchant providing the goods will not be required to deliver goods (or provide related services).
c) You will not be required to make other payments to us or to continue any other relationship in progress with us in relation to your request.
Approval of an order does not guarantee the future approval of a future order.
5. Pre -authorization
As part of our approval process and our evaluation aimed at establishing if you have the capacity to fulfill your obligation to pay when they are due all the amounts due under this agreement, we reserve the right to submit Your payment method to a pre -authorization. This may include blocking funds in the account associated with your payment method each time you make an online purchase or add a payment method to your afterpay account. The amount of the pre -authorization will not exceed your first payment (plus one one hundred) which is due to this purchase. We immediately ask your bank to cancel this pre -authorization operation. No funds are received by Afterpay during this process. We cannot guarantee the time required for your bank to deal with cancellation and release your funds.
Note: In most cases, the banks in question will cancel a pre -authorization operation within a few hours after the pre -authorization operation was performed by Afterpay. However, in some cases observed, up to fourteen (14) days were necessary for banks to finish this process. Unfortunately, we have no control or influence on the moment when your bank is able to complete this process and afterpay makes no declaration in this regard.
6. Cross -border operations
When you carry out a cross -border purchase operation, we convert your local currency to the merchant's currency (the " Foreign currency »). When you use our products to carry out a cross -border purchase operation, we will convert the amount billed by the merchant for goods in your local currency using a retail exchange rate chosen by Afterpay, to our appreciation, to determine The amount of the order and the amounts payable by you in accordance with your final payment calendar. The exchange rates we use for monetary conversion are established by Afterpay to its sole appreciation and will change regularly to reflect monetary fluctuations on the exchange market. No initial costs or any exchange commission will be applied to the exchange rate used to convert. We require any costs for the monetary conversions that we make; However, we and our third party service providers can generate a margin in the context of a monetary conversion, which could be considered an indirect cost for you. The margin corresponds to the difference between the big exchange rate that we could be able to obtain for the foreign currency and the exchange rate that we then provide in the context of the conversion operation in the foreign currency.
7.Remboursements of goods and other adjustments after the funds
The processing of reimbursements and exchanges or modifications of goods are subject to the appreciation of the merchant to whom you gave us the directive to pay funds under this agreement. If you decide to submit the goods acquired by means of the funds that we have spent under this agreement and to request a refund or that the delivery and reimbursement are also authorized or allowed by law, you remain required to make All payments that are always not paid under this agreement at the time of their exigibility. However, with regard to the amounts that a merchant gives us directly in relation to the merchandise given or exchanged, we keep them and apply an equivalent credit to reduce your current obligation to us under this agreement or, s 'It is necessary, we reimburse you the amounts already paid. In the event of partial reimbursement, the credit will first be applied to your last payment. If, for any reason whatsoever, we are unable to apply a refund to the order to which it corresponds, we may apply the refund to any payment methods that you have recorded in our files. You remain required to make the payments that are still not adjusted at the time of their exigibility. If you are entitled to a refund for any reason whatsoever, you agree to accept the merchant's reimbursement policy to whom you placed the order. We will not be responsible if a merchant does not grant you credit, requires additional costs or takes any other measure.
When a merchant grants a refund for a cross -border purchase operation, Afterpay will use the initial retail exchange rate (used when the order has been placed) in order to establish the amount of the reimbursement to be applied to your payment method For the goods or services targeted.
8. Transfers or transfers
We can transfer, assign or sell this agreement and the rights under the terms of it to a third party without your consent. You agree that we can designate third -party recovery agencies to perceive the sums which are due to us under this agreement without your consent. To the extent permitted by the applicable laws, unless you are a resident of Quebec, you give up by the present to receive a formal notice, a notice of non-payment, a protest and all other opinions or formal notice of some Nature whether and consent by these ones that, without a party to receive notice or be released from its responsibility, the obligations attested by this agreement can occasionally, in whole or in part, be renewed, prolonged, prolonged, prolonged, prolonged, prolonged, prolonged modified, preceded, adjusted, canceled or released by us or be the subject of a transaction.
9.Plains and disputes
If you have a complaint to make us concerning this agreement or relating to it, you must contact us at the address info@afterpay.com. If you have a complaint regarding the delivery or quality of the goods you have purchased, you must contact the merchant to the contact details displayed on the website. You acknowledge and agree that AFTERPAY is not responsible to settle the disputes you may have with the merchants. If you wish to submit a general nature complaint to us, you must communicate with us to the contact details displayed on the Afterpay website or accessible by means of your afterpay account. We can ask you for additional documentation to help us settle complaints or disputes, and you must offer us all the reasonable help to help us pay all complaints and disputes.
10. Arbitration convention [does not apply to residents of Quebec]
a) In order to accelerate the regulations and to minimize the cost of complaints and disputes arising from this agreement or relating to it (the "disputes"), we both agree to try to negotiate the regulation of 'A dispute (with the exception of expressly excluded disputes below) informally for at least thirty (30) days before starting an arbitration procedure or legal proceedings. Informal negotiations will start at the reception of a written notice (each, an "opinion"). Your address for the transmission of these opinions is the email address you have provided in your Afterpay account. Our address for the transmission of these opinions is as follows: Afterpay Canada Limited, 760 Market St., 2nd Floor, San Francisco, CA. 94102, CAUTION: Legal or our email address: cablegal@afterpay.com. The opinions that you send us must include your name, the relevant information relating to your account, a brief description of the dispute and your contact details to help us assess the dispute and try to settle it. The opinions that we will send to you will include the relevant information relating to your account, a brief description of the dispute and our contact details to help you assess the dispute and try to settle it. If informal negotiations reach their goal, no other action is necessary.
b) If the parties are unable to settle a dispute by means of informal negotiations, within thirty (30) days following the date of the first notice, the parties agree that all disputes must be settled by enforceable arbitration by Only one referee. The arbitrator has the competence to decide on the questions relating to the conclusion, the validity, the enforceable nature or the scope of this arbitration agreement, to arbitrability, to the means of defense in the event of arbitration, there Including iniquity (collectively, the questions of " Arbitrability »).
c) Arbitration will be held in the city of Vancouver (British Columbia), in Canada and will take place according to the rules of the International Center for Dispute Resolution (the "ICDR") in accordance with its international arbitration regulations ( The “ICDR regulations”) which can be consulted on the ICDR website at www.icdr.org. Your arbitration fees and your share of the remuneration of the arbitrator will be governed by the regulation of the ICDR. Arbitration can take place in person, by submission of documents, by telephone or online. The arbitrator will render a decision in writing, but will not have to provide a presentation of the grounds for the decision unless a party requests it. The arbitrator must submit to applicable laws, and any decision may be disputed in the event of non-compliance with the laws applicable by the arbitrator.
d) The parties agree that the following disputes are not subject to the preceding provisions concerning informal negotiations and enforceable arbitration: (1) Any legal proceedings aimed at requiring arbitration, to suspend procedures awaiting arbitration or to confirm, modify, cancel or pronounce a judgment with regard to the sentence inscribed by the arbitrator; (2) Any legal proceedings aimed at requesting a provisional injunction which will remain in force only until an arbitrator can establish whether the injunction should be extended, modified or withdrawn; or (3) any complaint relating to counterfeiting, an illicit appropriation or a real or imminent violation of copyright, trademarks, trade secrets, patents or other intellectual property rights of a party . Despite the above, one or the other party can assert complaints, if they are eligible, before the Court of Small Claims of a Territory in Canada where you live or work.
e) You agree that this arbitration agreement can be applied by us or the members of our group, our subsidiaries or our parent companies and each of their leaders, administrators, employees and agents.
f) Despite the above, you can withdraw from the arbitration by sending us a written opinion within thirty (30) days following the signing of this agreement indicating that you wish to "withdraw from the arbitration agreement from disputes ». The notice of withdrawal should be sent to the following address: Afterpay Canada Limited, 760 Market St., 2nd Floor, San Francisco, CA. 94102, or to email: Calegal@afterpay.com, CAUTION: Legal and understand (i) Information relating to your afterpay account, (ii) your name, (iii) your address, (iv) your telephone number, (v) your email address and (VI) A clear declaration indicating that you do not wish to settle complaints by arbitration. If you do not withdraw, but that one or more parts of your arbitration agreement cannot be executed, you and we agree that this or these parties given are zero or without effect and must be disjoin, but that the rest of This arbitration agreement will remain fully in force. If, however, the integral arbitration agreement or your renunciation of the right to participate in collective actions or to arbitrate injunction requests cannot be executed, the arbitration agreement is zero or without effect.
11. Applicable laws and territory
Except as it is expressly provided for in article 8 above, this agreement is governed by the laws of the province indicated for the above debtor and the federal laws of Canada which apply to it and will be interpreted in accordance with those -I, regardless of the principles relating to the choice of laws.
12. Absence of warranty; Limitation of liability
With the exception of what is expressly stated in this agreement, we do not make any declaration or offer no guarantee, in particular any implicit guarantee of market quality or adaptation to a particular use. In no case, unless you are a resident of Quebec, we will not be responsible towards you for any loss of profits or indirect loss or for all specific, exemplary, indirect or punitive damages even if the possibility of such damages Could be mentioned. In addition, we do not make any declaration or offer no guarantee concerning the impact that the agreement could have on your tax obligations under the laws of Canada or your province of residence.
[Does not apply to residents of Quebec.] You agree that if a prosecution or legal proceedings are authorized under the terms of this agreement, the global responsibility assumed by us, our subsidiaries and our partners and the members of our group as well as by Afterpay Canada Limited, its subsidiaries and its partners and The members of his group towards you with regard to all complaints arising from this agreement or your use of your afterpay account or your inability to use your afterpay account or relating to it will not exceed (at The exception of CE may require the highest applicable laws in cases of body lesion of the following amounts, namely: a) The amount of the referred to (s) referring to damages or b) $ 750.00 THAT.
13.Absence of responsibility for the purchase operation
You acknowledge that AFTERPAY does not participate in the sale of goods or services that you buy from a merchant and that we do not have control or are responsible for these goods or services. You agree that we will not assume any responsibility arising from the late supply by the merchant of goods or services or the quality of goods or services.
14. Consent expressly written to receive communications by service of short (“SMS”) messages and marketing communications by email
a) Despite any current or previous choice to receive or stop receiving telemarketing calls or SMS messages (including texts) from us or that of our agents, our representatives, members of our group or Anyone calling in our name, you expressly consent to be contacted by us, our agents, our representatives, the members of our group or anyone calling in our name for needs arising from this agreement or related to everything, telephone number or at any physical or electronic address you provide or to which you can be attached. You agree that we can communicate with you in any way, in particular by SMS and text message, calls using pre -recorded messages or a synthetic voice and calls and messages transmitted by means of an automatic telephone numbering system or an automatic text sending system. Automated messages can be read when the phone is dropped, whether by you or someone else. In the case of calls made by an agent or a representative, the agent or the representative can also leave a message on your answering machine or your voice or by text.
b) You agree to receive SMS messages and texts, calls and messages (including by means of a pre -registration, a synthetic voice and an automatic numbering system) on our part and that of our agents, our representatives, members of our group or anyone calling in our name to the given number (s) that you have provided to us or to the numbers that we can reasonably associate with your account (especially by Screening or entry of the identification of the appellant) containing information or questions about your order, this agreement and/or your account. You attest, guarantee and declare that the phone numbers you have provided to are the ones to which you can be attached. You declare that you are allowed to receive calls to each of the phone numbers that you have provided to us. You agree to notify us quickly if you stop using a given phone number.
c) By signing this agreement, you give your consent expressly written at the reception of SMS and texts with each phone number that you have provided to us in relation to this agreement and to your afterpay account. You agree that it is up to you to pay the messaging or data costs or data costs that your telephone service provider invoice for SMS messages you send or receive. If you have any questions about these prices, please contact your mobile operator.
d) If you wish to withdraw your consent at the reception of communications by SMS, you can choose not to receive SMS from us at any time by sending us an email to the address cablegal@afterpay.com. Upon receipt of your message, we will process the request, and it will only come into force after the flow of a reasonable time required for its treatment. If you do not provide or remove your consent with regard to the receipt of SMS communications as indicated in this article, Afterpay reserves the right to impose restrictions on your account, to deactivate it or to close it and you agree that you may no longer be able to use certain features of your Afterpay account.
e) You agree that we can send you marketing communications to the email address you have provided, including targeted offers, the presentation of new features or other special ads. You can choose to no longer receive marketing communications at any time using the link to unsubscribe contained in a marketing email.
15. Notice and communications
You agree: (i) to receive this agreement and all other communications (in particular the other agreements, notice, communications or other information that we may send to you or that we may be required to send you under applicable laws) in format electronic; (ii) to keep copies of these communications for your files; And (iii) that an electronic declaration has the same meaning and the same effect as if it had been provided to you in writing on paper. Communications will be sent to your email address indicated in your Afterpay account. Electronic opinions or communications will come into force and will be deemed to be delivered when they are sent by email to your designated email address, as it can be updated on occasion.
16. Electronic signatures
The parties agree that the electronic signatures will have the same legal effect as if they were original signatures (i.e. in ink) and that an electronic copy of a signature will be deemed to be an original and can be used as proof of signature.
17. Various
This agreement is in force until all the sums payable under this agreement are paid in full or canceled or reimbursed elsewhere. If a provision of this agreement (or part of the provision) is deemed invalidable or inapplicable by a competent court, the other provisions of this agreement will not be affected and will link the parties and may be applied as if the provision (or part of provision) invalid or inapplicable did not appear in this agreement. This agreement, including the first declaration provided above, the final payment calendar and all other documents integrated by dismissal, constitutes and contains the full agreement between you and we relate to the subject of these and replace the existing or anterior verbal or written agreements. The division of this understanding in articles and the insertion of titles in this document only aim to facilitate consultation and have no effect on the interpretation of this agreement. The fact that we fail to exercise or that we were slow to exercise a right under the terms of this agreement (or that we omit to insist on rigorous execution in all respects or on any occasion) does not constitute a renunciation of this right (or to this execution), and the punctual or partial exercise of a right under this agreement does not prevent the repeated or subsequent exercise of this right or the exercise of another right. The appeals provided for by this agreement are cumulative and do not exclude any appeal provided for by the applicable legislation.
18. Electronic operations
This agreement is entirely subject to your consent to previously given electronic operations and communications.
By accepting this agreement, you acknowledge having received, read and understood this agreement and agree to be bound by it, including The first declaration and the payment calendar, in its version modified by the final payment calendar.
Updated in September 2021
