Last update: 19-01-18
1. ONLINE PAYMENT
2. PERSONAL DATA
SweetPay processes and saves your personal data in order to offer you a simplified payment the next time you use SweetPay’s checkout. SweetPay processes the personal data in order to administer the customer relationship, prevent abuse or improper use of the payment service, perform customer and risk analyzes, risk management, for marketing purposes and to comply with applicable legal requirements in general.
Personal information is information that can be directly or indirectly linked to you. The following are examples of personal data that SweetPay may process:
1. Contact information – name, address, e-mail address, telephone number etc. 2. Payment information – card number etc.
3. Article information – details of the purchases you make
5. Historical information – information about previous purchases, how you have previously complied with the payment terms, possible rejections etc.
6. Information about your computer / device – IP address, language settings, browser settings etc.
7. Generally available information on the internet
If you once used SweetPay’s checkout, there may then be saved information about you for, for example, customer management, documentation requirements or similar approved purposes. SweetPay may use electronic communication (communication via eg SMS and e- mail) in the contacts with you. You have the right at any time to get in touch with SweetPay, by emailing SweetPay support, to inform you that you no longer want the personal data saved.
4. ASSURANCE AND ABUSE
Use of information that is not yours or for which you are not entitled to use for any other reason, and the use of SweetPay Checkout otherwise in a manner that is not intended, will be assessed by SweetPay as an abuse. The user may be blocked from further possibility of using SweetPay Checkout.
5. APPLICABLE LAW
SweetPay Invoice – Terms and Conditions
Last update: 19-01-18
These general terms and conditions (the “Terms”) apply between Financial Tech Sweden AB, corporate no. 556906-0477, under the brand SweetPay (“SweetPay” or “us”), and you as a Customer.
1.1. “Customer” Refers to you as a consumer or representative of a legal person who buys an item or service online or in a physical store with a Merchant using the Service. Also referred to as “you” below.
1.2. “Service” The service SweetPay provides to Merchants for factoring and / or invoice administration, which enables Customers, you as a Customer, to pay your purchase at the Merchant with the invoice.
1.3. “Merchant” Refers to Merchant, store and / or service provider that supplies goods and / or services online or in physical store.
2. GENERAL ABOUT SWEETPAY
SweetPay provides a technical platform that allows Merchants to generate invoices using SweetPay and in some cases sell claims to SweetPay. The service thus means that Merchants are provided with a service that enables the Merchant to provide the Customer with the choice to pay for the purchase of an item or service against invoice. The invoice is exhibited by the Merchant either via its own system or via SweetPay’s technical platform, and in some cases SweetPay acquires the Merchant’s claim against you as Customer directly by the Merchant and SweetPay thus enters the Merchant’s place as a creditor against you. You thus receive an invoice so as payment for the purchase you made via the Merchant’s website or physical store was in SweetPay as the payee.
3.1. TERMS OF PAYMENT
Full payment of the amount stated on the invoice must be received by SweetPay no later than the due date stated on the invoice. Payment times are normally 14 days from the date of the exhibition, which is stated in the invoice, but can vary between different Merchants and change from time to time. Payment time and thus the date when payment should be SweetPay is always shown on the invoice. SweetPay or the Merchant, depending on whether SweetPay has acquired the claim from the Merchant, charges an invoice fee of up to SEK 39 excluding VAT, the current invoice fee always appears from the invoice. The invoice is sent to the Customer via e-mail, letter or text message.
3.2. payment Reminder
3.2.1. fees If the Customer fails to pay the invoice within the specified time, SweetPay reserves the right, either by itself or by a third party, to send a payment reminder to which a reminder fee is imposed, the reminder fee currently amounts to SEK 60. If the Customer, even after the payment reminder, fails to pay SweetPay reserves the right to transfer the relevant claim for further handling to a collection company. If the invoice is handed over for further handling of a collection company, fees will be added, in accordance with the law (1981: 739) on compensation for collection costs, etc., .
3.2.2. Interest In addition to reminder fee and collection costs, SweetPay also reserves the right to, at or via third parties, collect interest on unpaid amounts as of the due date of interest in accordance with the Interest Act (1975: 635). Late interest is currently paid at 22.00% from the due date until full payment has been made.
4. PERSONAL DATA MANAGEMENT
4.1. Handling of personal data
SweetPay stores and processes personal data in accordance with current legislation. When using the Service, SweetPay, or external partner to SweetPay, collects personal information about you as a Customer. Personal data is collected mainly for the purpose of carrying out customer analysis, identification, credit testing, marketing and business development.
4.2. Consent to process personal data
By accepting the Terms and Conditions and choosing to pay for your purchase with invoice generated by SweetPay, you agree to the above-mentioned processing of personal data. Such consent also includes the processing of personal data via the internet, including their transfer to third countries outside the EU / EEA area. Once per calendar year you have the right, through a written signed application, to obtain a registry extract on which personal data are registered about you at SweetPay. SweetPay will, on your request or own initiative, correct any information found to be incorrect or misleading.
5. CREDIT TEST
By using the Service, the Customer approves that personal data as described above is used to conduct a credit check of one of SweetPay’s and the Merchant’s partners and in some cases to carry out a credit report. Such a credit check results in the Customer receiving a so-called “scoring” which is the basis for how large an amount Merchants can accept that the Customer pays with the invoice. By approving the Terms, the Customer agrees that the information collected in connection with credit assessment and any credit information is stored and used for the same purpose as other personal data. The merchant will, based on the result of the credit check or credit report, make a decision to either grant or deny you as a Customer to pay by invoice.
6. COMPLAINTS AND RIGHTS
This section 6 is only applicable to Customer who is a natural person and who acts as a private person and not as a representative of a legal person
According to the Distance and Home Sales Act (2005: 59), you usually have 14 days to repent of a purchase or to reclaim a product if you purchased it online. If you want to complain about the goods or services that you purchased through a Merchant, you turn directly to the Merchant with your case. As the Service includes an invoice support for the Merchant, you, as the Customer, should also contact SweetPay directly by e-mail [email protected] and tell us that you have returned the goods. Please note that there can still be postage, return and invoice fees that you have to pay, despite the claim or return of the goods. Such remaining fee will be billed by SweetPay at a later date.
SweetPay is entitled to assign its rights and obligations under the Terms, provided that the acquiring company can reasonably be expected to fulfill its obligations under the Terms in a manner satisfactory to Customer. Moreover, SweetPay always has the right to transfer claims for payment to collection companies. You as Customer do not have the right to assign your obligations under the Terms without SweetPay’s written consent.
When using SweetPay’s website, www.sweetpay.com, SweetPay needs to store and retrieve some technical information from the equipment you use to visit SweetPay’s website for the purpose of providing and updating the Service to SweetPay. By using SweetPay’s website you agree that SweetPay retrieves and saves some technical information (so-called Cookies) from the equipment used to visit SweetPay’s website.
9. MESSAGES AND SUPPORT
A customer who wishes to contact SweetPay in connection with the Terms or otherwise wishes to receive support when using the Service may contact SweetPay by e-mail at [email protected].
10. INTELLECTUAL PROPERTY RIGHTS
Intellectual property rights, such as the right to the name SweetPay, belong to and may not be used by Customer in addition to what is required before fulfilling the rights and obligations under the Terms.
11. FORCE MAJEURE AND LIMITS IN SWEETPAYS RESPONSIBILITY
11.1. SweetPay is not responsible for errors or deficiencies in the purchased goods, nor for delayed and / or non-delivery. Customer is requested to contact the relevant Merchant for such handling.
11.2. If SweetPay is prevented from fulfilling its obligations under the Terms due to circumstances which SweetPay could not control and which SweetPay could not reasonably have expected, and the consequences of which SweetPay could not reasonably have avoided or overcome, including but not limited to general work conflict, war, fire, lightning strike, rebellion, terrorist attack, embargo, government intervention, governmental regulation or law, error or delay in service from subcontractor due to circumstance stated here, and other circumstance outside SweetPay’s control, this shall constitute the grounds for exemption which entails the advancement of the time of performance and exemption from penalty
12. ADDITIONS AND CHANGES
The use of the option to pay by invoice applies at the time of use the latest version of the Terms, which is always found via SweetPay’s website www.sweetpay.com. SweetPay reserves the right to make minor changes that take effect two weeks after the changes in the Terms have been published on the website. Customer is requested to regularly check the latest uploaded terms at www.sweetpay.com. Customer always has the right to stop using SweetPay if Customer does not consent to SweetPay’s changes to the Terms and therefore has the right to terminate the agreement and thus the Terms. In the event that the Customer wishes to terminate the Terms, the Customer must settle all outstanding invoices to SweetPay before the use of the option to pay by invoice can cease completely. If the Customer approves the change of the Terms immediately, the new Terms also apply immediately. If the Terms are not stated by the Customer, the change is considered approved after two weeks.