The following general terms and conditions apply to instalment purchases with easyCredit

The following supplementary General Terms and Conditions (hereinafter referred to as GTC) apply between you and the merchant for all contracts concluded with the merchant in which instalment purchase by easyCredit (hereinafter referred to as instalment purchase) is used. In the event of a conflict, the supplementary GTC shall take precedence over any other general terms and conditions of the merchant. An instalment purchase is only possible for customers who are consumers according to § 13 BGB (German Civil Code) and have reached the age of 18.

With the support of TeamBank AG Nürnberg, Beuthener Straße 25, 90471 Nuremberg (hereinafter referred to as TeamBank AG), the retailer offers you the option of paying in instalments for your purchase. The retailer reserves the right to check your creditworthiness. For further details, please refer to the instalment purchase data protection notice in the order section. If it is not possible to use the instalment purchase option due to insufficient creditworthiness or because the merchant's turnover limit has been reached, the merchant reserves the right to offer you an alternative payment option. The contract for an instalment purchase is concluded between you and the retailer. There is no payment, but with the hire purchase you decide to pay the purchase price in monthly instalments. Monthly instalments are to be paid over a fixed agreed term, whereby the final instalment may differ from the previous instalment amounts. Ownership of the goods remains reserved until full payment has been made. The claims arising from the use of the instalment purchase are assigned by the merchant to TeamBank AG within the framework of an ongoing factoring agreement. Payments can only be made to TeamBank AG with debt-discharging effect. Apart from the general trade supervisory authority, the merchant is not subject to supervision by a supervisory authority. Complaints can be addressed to the merchant by letter or e-mail.

With the SEPA direct debit mandate issued with the instalment purchase, you authorise TeamBank AG to collect the payments to be made through the instalment purchase from your current account specified in the order process at the credit institution specified there by means of a SEPA direct debit. The collection will take place at the earliest on the date specified in the pre-notification/advance notice. A later, more timely collection may take place. If there is a reduction in the purchase price amount between the pre-notification and the due date (e.g. due to credit notes), the amount debited may differ from the amount stated in the pre-notification. You must ensure that your current account has sufficient funds at the due date. Your bank is not obliged to honour the direct debit if there are insufficient funds in your current account. If a direct debit is returned due to insufficient funds in the current account, due to an unjustified objection by the account holder or due to the expiry of the current account, you will be in default even without a separate reminder, unless the return debit is the result of circumstances for which you are not responsible. TeamBank AG may claim the costs charged by your bank to TeamBank AG for a return debit note for which you are responsible as damages and must be reimbursed by you. You reserve the right to prove to TeamBank AG that you have suffered less damage or no damage at all. If you are in default, TeamBank AG is entitled to charge a reasonable reminder fee or default interest of five percentage points above the respective base rate of the European Central Bank for each reminder. Due to the high costs associated with a return debit note, we ask you not to object to the SEPA direct debit in the event of a cancellation of the purchase contract, a return or a complaint. In these cases, the payment will be reversed in agreement with the retailer by transferring back the corresponding amount or by issuing a credit note.