Terms of delivery

Terms of delivery

Web Store

Ananimal Ab (Business ID 26982874) sells products to private persons within Finland and the EU. All prices shown include VAT. We reserve the right to price and delivery cost changes.

Placing an order

You can order products in the web store by placing products in the shopping basket and paying for them in the web store’s checkout. All customer information is handled confidentially. The contact information given when placing the order is not used for anything else but delivery of the order and for resolving possible issues with the order. When ordering from our web store you are expected to have acquainted yourself and committed yourself to the terms and conditions valid at the time of purchase.

Paying for your order

The payment service between vendors and consumers is offered by Maksuturva Group Ltd (Company registration number 2121703-0) in co-operation with banks and credit institutions. You as a consumer are not required to register or pay extra costs for using the payment service. Maksuturva Group Ltd is an authorized payment institution supervised by the Financial Supervisory Authority (FIN-FSA). All data transfer and money transactions are SSL secured meaning that no external party can see your personal information. Maksuturva Group Oy will show as the recipient of the payment.

Payment options

Online Bank Payments

You can pay for your order using any of the online payment buttons of Finnish banks. When you are using the online bank codes provided by your own bank and you want to pay for your purchase, you will be redirected for a while to your own online bank where you can pay for your order directly from your bank account. The recipient for the payment is Maksuturva Group Oy, that is the payment service provider in our web store.

Card Payments by Visa, Visa Electron, MasterCard or Business Eurocard

Paying with a credit or debit card is always easy and safe in our web store. Card payments in our webstore are provided by Maksuturva Group Ltd in cooperation with Solinor Oy and Bambora AB. During the transaction, all card information will be handled through a secure connection. Card numbers are not recorded in Maksuturva Group Ltd’s or the webstore’s systems; the card data is processed by the technical service provider Solinor Oy.

Card Payments and MobilePay by Visa, Visa Electron, MasterCard or Business Eurocard

Paying with a credit or debit card is always easy and safe in our web store. Card payments and Danske Bank’s MobilePay payments in our webstore are provided by Maksuturva Group Ltd in cooperation with Solinor Oy and Bambora AB. During the transaction, all card information will be handled through a secure connection. Card numbers are not recorded in Maksuturva Group Ltd’s or the webstore’s systems; the card data is processed by the technical service provider Solinor Oy.

Contact information:

Maksuturva Group Ltd
Business ID: 2121703-0
Keilaranta 5
02150 Espoo
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.
E-mail: customerservice@maksuturva.fi
www.maksuturva.fi

Flexible payment time with Maksuturva Intelligent Invoice or Intelligent Part Payment

Maksuturva Intelligent Invoice and Intelligent Part Payment give your more time to pay for your online purchases. Using these payment methods, you can wait for your order to arrive before you pay for it. You can pay for the purchase all at once with an invoice, or choose one-time credit, where you can choose the payment time and monthly instalments that suit you best.

Maksuturva Intelligent Invoice gives you time to pay

With Maksuturva Intelligent Invoice you get 14 days of interest-free payment time for your online purchases. You can inspect the order, and you have the option of returning it before paying. The payment method is intended for purchases between €20 and €2,000. The maximum amount can be higher if this has been agreed between the web store and Lindorff.

To pay with Maksuturva Intelligent Invoice, you need an approved credit decision. The decision is requested seamlessly during the purchase. To apply, you must be 20 years of age and have a Finnish personal identity code and a permanent official home address in Finland. Your credit rating will also be checked.

Once you have received an approved credit decision and confirmed your purchase, you will receive an invoice for your purchase by email or post. If you would like more time to pay the invoice, you can make a part payment agreement at bill.lindorff.fi. After making the part payment agreement, you only need to pay the agreement's first instalment on the invoice. More information about part payment will be included with your invoice.

Maksuturva Intelligent Part Payment helps balance your budget

Maksuturva Intelligent Part Payment is a convenient way of distributing the cost of a purchase over several months. In part payment, you choose the monthly instalment that suits you best and make a part payment agreement when you make the purchase. Part payment is intended for purchases between €30 and €2000. The maximum amount can be higher if this has been agreed between the web store and Lindorff.

Part payment is a form of one-time credit, meaning you get time to pay for a single purchase and are not bound by a permanent credit relationship. The credit will be paid off within the agreed period by paying at least the agreed monthly sum. Please read the terms of credit carefully before signing the agreement.

Part payment requires you to have an approved credit decision. The decision is requested during the purchase. To apply, you must be 20 years of age and have a Finnish personal identity code and a permanent official home address in Finland. Your credit rating will also be checked.

Once you have confirmed the purchase, you will receive a monthly invoice by email or post until the credit is paid off. At bill.lindorff.fi, you can view your payment plan and postpone due dates, if necessary. The monthly fee for each instalment is €3 and the interest rate is 15 %. The effective annual interest rate for a credit of €1000 with a typical payment time of 12 months is 24,35 % including the interest rate and monthly fees. The total sum of the example purchase with a payment time of 12 months is €1111,72 including credit.

Customer service regarding invoices and part payment

Invoices and one-time credit are provided by Lindorff Invest Oy. Lindorff's customer service will help you with all matters related to invoices, one-time credit and payment for purchases.

Online service: bill.lindorff.fi.

Telephone service: +358 2 2700 550, on weekdays from 8 a.m. to 8 p.m. and on Saturdays from 10 a.m. to 3 p.m. (standard local or long distance charge).

Processing returns and cancellations

When you return your purchase according to the instructions given by Maksuturva, Lindorff will be automatically notified and no further action is required on your part. If you only return part of your purchase, you can deduct that amount from the sum of the invoice you receive. In part payment, the amount of the return will be automatically deducted from the last instalments of the part payment plan. This will allow you to pay off the credit sooner.

If you have paid your invoice but decide to return the product regardless, please send your personal and bank details in writing to Lindorff's customer service so we can return your payment.
By email: palautus@lindorff.com, use subject "Lindorff Invest Oy/refund of payment".
By post: Lindorff Oy/Laskutusasiakaspalvelu, PO box 20, FI-20101 TURKU.

Personal information and the credit decision

Your personal details will be requested to make the credit decision required by Maksuturva Intelligent invoice and Intelligent part payment. The information is relayed using a secure, SSL/TLS encrypted connection. The credit provider, Lindorff Invest Oy, will verify your personal and address information with the Population Information System and check the credit information register to see if you have any payment defaults. The credit decision is also influenced by your previous behaviour as a customer of Lindorff Invest Oy. If your credit decision is negative, you can contact Lindorff's customer service to find out more about the reason. The personal identity code you enter and the credit decision information are not saved in the customer register of Maksuturva.

When you use this payment method, your identity may be verified using the TUPAS identification service and your bank identifiers. The verification service allows you to identify yourself using the online services of the following banks: Osuuspankki, Nordea, DanskeBank, Handelsbanken, Aktia, Säästöpankki, POP Bank, Oma Säästöpankki, S-Bank and Ålandsbanken. It is also possible to verify your identity using a mobile certificate.

Credit terms

The invoice and one-time credit are provided by and the personal information register is kept by Lindorff Invest Oy, PO box 20, FI-20101 TURKU. After an approved credit decision, the invoice or the one-time credit is transferred to Lindorff Payment Services AB, the company responsible for Lindorff's consumer credit and financing services in the Nordic countries. Additional information, including answers to frequently asked questions, can be found at bill.lindorff.fi.

You can view the general terms of credit for invoices and part payment and save them from this link:
general terms of credit
Also see: Standard European Consumer Credit Information

Contact information for the payment service provider:

Maksuturva Group Ltd
Business ID: 2121703-0
Keilaranta 5
02150 Espoo
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.
E-mail: customerservice@maksuturva.fi
www.maksuturva.fi/en

Purchasing by Svea WebPay invoice or part payment

Invoice

Svea WebPay (hereinafter referred to as “Svea”) offers You the possibility to make purchases against an invoice with a payment term of at least fourteen (14) days. Please note the following:

When you choose “Pay with invoice”, we will check your credit information using your personal identity number. Since you are required to utilize so-called strong authentication with your online bank codes (TUPAS), your purchase will be delivered to the delivery address you provide. The overdue interest is 7% + the reference rate based on the Interest Act. We charge EUR 5 for payment reminders. The buyer must be at least 18 years old.

Changing the invoice into a credit facility

You have the opportunity to change the invoice into a credit facility by paying the minimum amount stated in the invoice. The detailed terms and conditions of the credit facility can be found on the reverse side of the first invoice. As a credit facility customer, you can charge purchases to your account when making purchases with Svea’s contract customers. You can make additional purchase whenever you have credit available, and you can pay for your purchases in installments according to the terms and conditions of the credit agreement.

You can pay the credit facility in full at any time without additional cost to you. If you want to utilize your account for other purchases during the agreement period, and the payment time of your credit is already the maximum possible, you have to increase your monthly installment. Likewise, if you want to extend your payment time, you can reduce your monthly installment. You may always contact customer service if you have questions concerning your credit, tel. +358 9 4242 3330 or email asiakasinfo@svea.fi.

Hire purchase / part payment

Svea WebPay (hereinafter referred to as “Svea”) offers you the possibility to pay your purchases in instalments. This is possible once you have agreed the criteria for granting the credit and filled in your personal identity number at the cash register. Since you are required to utilize so-called strong authentication with your online bank codes (TUPAS), your purchase will be delivered to the delivery address you provide.

Choose the credit period most suitable to your needs. The credit has to be paid within the agreed period of time. This requires that you pay at least the agreed sum every month. You can naturally also pay the entire debt without any cost for the remaining credit period.

You will be sent a hire purchase agreement (2 pieces) to your home. Sign one of the agreements and return it to Svea. At the same time, you will also be sent the detailed terms and conditions for hire purchase, which you agree to by signing the agreement.
You may always contact customer service if you have questions concerning your credit, tel. +358 9 4242 3330 or email asiakasinfo@svea.fi.

If you fail to make payments and we have not been contacted about the payments, we will transfer the receivables to collection according to the regulations of the Consumer Protection Act. Please contact our customer service for more information on the terms and conditions as well as the service. Click here for the detailed terms and conditions. For additional information on remote sales and trading over the Internet, please see the website of the Consumer Authority at www.kuluttajavirasto.fi, or our credit facility agreement which can be found at www.sveawebpay.fi. Svea also follows the Personal Data Act. Additional information also on this legislation is available on the website of the Consumer Authority.

Contact information:
Svea Ekonomi Ab, filial i Finland
Atomitie 2 C
00370 Helsinki
Tel.: +358 9 4242 3092
Email: webpay@svea.fi

Payment by B2B Invoice

Maksuturva offers you the possibility to make purchases against invoice with 14 days to pay. The credit provider of the B2B Invoice service is Svea Ekonomi Ab filial I Finland. Please note the following:

• The webstore is responsible for any invoicing charge.
• You can choose B2B-Invoice as payment method when the value of your purchase exceeds 5 euros and is no more than 2000 euros. The maximum amount can be higher if this has been agreed between the web store and Svea.
• When you choose B2B Invoice as payment method, the company information entered will be checked against the given business ID. By confirming your identity using the TUPAS-service you also confirm that you have the right to make purchases for the company. The order will be delivered to the company’s official address.
• Terms of payment are 14 days. Interest on arrears is 7 % + reference interest as per the Interest Act. We charge 5 euros for a reminder.
• The person making the order must be at least 18 years of age.

Contact information:
Svea Ekonomi Ab, filial i Finland
Atomitie 2 C
00370 Helsinki
Tel.: +358 9 4242 3092
Email: webpay@svea.fi

Contact information for the payment service provider:

Maksuturva Group Ltd
Business ID: 2121703-0
Keilaranta 5
02150 Espoo
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.
E-mail: customerservice@maksuturva.fi
www.maksuturva.fi/en

Order and payment confirmation

After a successful order an order confirmation will be sent to your email. To be able to receive order and payment confirmation emails you are required to fill in your email address when placing an order.

Delivery and costs

The delivery costs will be stated after you have chosen a payment and delivery method. We deliver orders via Matkahuolto as registered or unregistered mail, of which registered mail is trackable with a tracking code.

Delivery time

Our usual delivery times within Finland are 14 days depending on the order and delivery method. More specific delivery times will be stated on the product pages. We are not responsible for delayed deliveries caused by force majeure or any damage due to delayed delivery. We will notify our customers of any exceptions in delivery times on the front page of our web store.

Terms for product exchanges and returns

You have a legal right according to the consumer protection law of Finland to exchange products or return your order or part of it within 14 days of receiving the order. The right of return is only applicable to unused, re-sellable products in their original packing. Unique and custom made products can’t be returned or exchanged.

Return and exchange delivery costsare nonrefundableand are at the customer's expense.

When returning an order, please attach your customer number / name and contact information as well as your bank account number for money refunds.

Return your order to:
Ananimal Ab

PL 100

60101 Seinäjoki

Finland

Problem situations

In case your order has gone missing, has been damaged during delivery or you are not satisfied with your order in any other way, you are required to notify the relevant party or parties stated in the terms and conditions within 14 days. If the order has been damaged during delivery, a complaint must be filed with the carrier company immediately.