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Article 1 - Definitions
Article 2 - Identity of the entrepreneur
Article 3 - Applicability
Article 4 - The offer
Article 5 - The agreement
Article 6 - Right of withdrawal
Article 7 - Obligations of the consumer during the withdrawal period
Article 8 - Exercise of the right of withdrawal by the consumer and costs thereof
Article 9 - Obligations of the trader in the event of withdrawal
Article 10 - Exclusion of the right of withdrawal
Article 11 - The price
Article 12 - Performance and additional warranty
Article 13 - Delivery and execution
Article 14 - Duration transactions: duration, termination and extension
Article 15 - Payment
Article 16 - Complaints procedure
Article 17 - Additional or different provisions

Article 1 - Definitions.

In these terms and conditions, the following definitions shall apply:
1. Ancillary contract: a contract in which the customer acquires products, digital content and/or services in connection with a distance contract and these items, digital content and/or services are provided by the entrepreneur or by a third party on the basis of an agreement between that third party and the entrepreneur;
2. Grace period: the period within which the consumer can exercise his right of withdrawal;
3. Consumer: the natural person who is not acting for purposes related to his trade, business, craft or profession; 4;
4. Business customer: the natural person acting for purposes related to his commercial, business, craft or professional activity;
5. Day: calendar day;
6. Digital content: data produced and delivered in digital form;
7. Continuous contract: a contract for the regular supply of goods, services and/or digital content for a specified period;
8. Durable data carrier: any device - including e-mail - that enables the consumer or entrepreneur to store information addressed to him personally in a way that allows future consultation or use for a period of time appropriate to the purpose for which the information is intended, and which allows unaltered reproduction of the stored information;
9. Right of withdrawal: the consumer's option to waive the distance contract within the cooling-off period;
10. Entrepreneur: the natural or legal person who is a member of Stichting Webshop Keurmerk and offers products, (access to) digital content and/or services at a distance to consumers; 11;
11. Distance contract: an agreement concluded between the Entrepreneur and the Consumer under an organized system for the distance sale of products, digital content and/or services, under which, up to and including the conclusion of the contract, exclusive or partial use is made of one or more techniques for distance communication; 12;
12. Model withdrawal form: the European model withdrawal form included in Annex I of these terms and conditions;
13. Technique for distance communication: means that can be used for concluding an agreement, without the consumer and entrepreneur having to be together in the same room at the same time;

Article 2 - Identity of the entrepreneur

Top RC BV

Losplaats 4
5404NJ Uden

Phone number: +31 (0)413-746012

Chamber of Commerce number: 85385832
BTW-identificatienummer: NL863605606B01

Article 3 - Applicability.

1. These general terms and conditions apply to every offer of the entrepreneur and to every distance contract concluded between entrepreneur and consumer/business customer, except when the product is picked up or bought in the store in Uden.
2. Before the distance contract is concluded, the text of these general terms and conditions will be made available to the consumer/business customer. If this is not reasonably possible, the entrepreneur shall, before the distance contract is concluded, indicate how the general terms and conditions can be inspected at the entrepreneur and that they will be sent free of charge to the consumer/business customer at his/her request as soon as possible.
3. If the distance contract is concluded electronically, notwithstanding the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions may be made available to the consumer/business customer electronically in such a way that it can be stored by the consumer/business customer in a simple manner on a durable data carrier. If this is not reasonably possible, prior to the conclusion of the distance contract, it will be indicated where the general terms and conditions can be inspected electronically and that they will be sent electronically or otherwise free of charge at the consumer/business customer's request.
4. In the event that specific product or service conditions apply in addition to these general conditions, the second and third paragraphs apply by analogy and in the event of conflicting conditions the consumer/business customer can always refer to the applicable provision that is most favorable to him.

Article 4 - The offer

1. If an offer has a limited period of validity or is made subject to conditions, this shall be expressly stated in the offer.
2. The offer contains a complete and accurate description of the products, digital content and/or services offered. The description is sufficiently detailed to enable a proper assessment of the offer by the consumer/business customer. If the entrepreneur uses images, these are a true representation of the products, services and/or digital content offered. Obvious mistakes or obvious errors in the offer do not bind the entrepreneur.
3. Each offer contains such information that it is clear to the consumer/business customer what rights and obligations are attached to the acceptance of the offer.

Article 5 - The Agreement

1. The agreement, subject to the provisions of paragraph 4, is concluded at the moment of acceptance by the consumer/business customer of the offer and the fulfilment of the conditions stipulated thereby.
2. If the consumer/business customer has accepted the offer electronically, the trader will immediately confirm receipt of acceptance of the offer electronically. As long as the receipt of this acceptance has not been confirmed by the entrepreneur, the consumer/business customer can dissolve the agreement.
3. If the agreement is concluded electronically, the entrepreneur shall take appropriate technical and organizational measures to protect the electronic transfer of data and shall ensure a secure web environment. If the consumer/business customer can pay electronically, the entrepreneur will observe appropriate security measures.
4. The entrepreneur may - within legal frameworks - inform himself whether the consumer/business customer can meet his payment obligations, as well as of all those facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has good grounds not to enter into the agreement, he is entitled to refuse an order or application or to attach special conditions to the implementation, while giving reasons.
5. The trader will send the consumer/business customer the following information, in writing or in such a way that it can be stored by the consumer/business customer in an accessible manner on a durable data carrier, at the latest on delivery of the product, service or digital content:
a. the visiting address of the branch of the entrepreneur where the consumer/business customer can go with complaints;
b. the conditions under which and the way in which the consumer can make use of the right of withdrawal, or a clear notification regarding the exclusion of the right of withdrawal;
c. the information on guarantees and existing after-sales service;
d. the price including all taxes of the product, service or digital content; to the extent applicable, the cost of delivery; and the method of payment, delivery or performance of the distance contract;
e. the requirements for terminating the contract if the contract has a duration of more than one year or is of indefinite duration;
f. if the consumer has a right of withdrawal, the model withdrawal form.
6. In case of a duration transaction, the provision in the previous paragraph applies only to the first delivery.

Article 6 - Right of withdrawal

By products:
1. The consumer may dissolve an agreement related to the purchase of a product during a reflection period of at least 14 days without giving reasons. The entrepreneur may ask the consumer about the reason for withdrawal, but may not oblige the consumer to give his reason(s).
2. The withdrawal period referred to in paragraph 1 starts on the day after the consumer, or a third party designated in advance by the consumer, who is not the carrier, has received the product, or:
a. if the consumer has ordered several products in the same order: the day on which the consumer, or a third party designated by him, has received the last product. The trader may, provided he has clearly informed the consumer of this prior to the ordering process, refuse an order for multiple products with different delivery times.
b. if the delivery of a product consists of different shipments or parts: the day on which the consumer, or a third party designated by him, has received the last shipment or part;
c. in the case of agreements for regular delivery of products during a certain period: the day on which the consumer, or a third party designated by him, has received the first product.

In the case of services and digital content not delivered on a tangible medium:
3. The consumer may cancel a service contract and a contract for the supply of digital content not supplied on a tangible medium for at least 14 days without giving reasons. The trader may ask the consumer about the reason for withdrawal, but may not oblige the consumer to state his reason(s).
4. The reflection period mentioned in paragraph 3 starts on the day following the conclusion of the agreement.

Extended cooling-off period for products, services and digital content not delivered on a tangible medium in case of failure to inform about right of withdrawal:
5. If the entrepreneur has not provided the consumer with the legally required information about the right of withdrawal or the model withdrawal form, the cooling-off period expires twelve months after the end of the original cooling-off period determined in accordance with the previous paragraphs of this article.
6. If the entrepreneur has provided the consumer with the information referred to in the previous paragraph within twelve months after the effective date of the original reflection period, the reflection period expires 14 days after the day on which the consumer received that information.
7. The said right of withdrawal concerns a consumer right and is only applicable to consumer/private purchase contracts. If a product or service has been purchased on a business basis, it is excluded from the right of withdrawal and the assessment and approval of a return option or rescission of a purchase agreement lies entirely with the entrepreneur.
8. The business contract mentioned in paragraph 7 is characterized by the presence of a company name in the billing address. In addition to companies, government agencies, foundations and other organizations are also placed under the heading "business".

Article 7 - Obligations of the consumer during the reflection period

1. During the reflection period, the consumer will handle the product and its packaging with care. He will only unpack or use the product to the extent necessary to establish the nature, characteristics and operation of the product. The basic principle here is that the consumer may only handle and inspect the product as he would be allowed to do in a store.
2. The consumer is only liable for depreciation of the product resulting from a way of handling the product that goes beyond what is permitted in paragraph 1.
3. The consumer is not liable for depreciation of the product if the entrepreneur has not provided him with all legally required information about the right of withdrawal before or at the conclusion of the contract.

Article 8 - Exercise of the right of withdrawal by the consumer and costs thereof

1. If the consumer exercises his right of withdrawal, he shall notify the entrepreneur within the withdrawal period by means of the model withdrawal form or in another unambiguous manner.
2. As soon as possible, but within 14 days from the day following the notification referred to in paragraph 1, the consumer returns the product, or hands it to (an authorized representative of) the entrepreneur. This is not required if the entrepreneur has offered to pick up the product himself. The consumer has observed the return period in any case if he returns the product before the reflection period has expired.
3. The consumer returns the product with all delivered accessories, if reasonably possible in its original condition and packaging, and in accordance with the reasonable and clear instructions provided by the entrepreneur.
4. The risk and burden of proof for the correct and timely exercise of the right of withdrawal lies with the consumer.
5. The consumer shall bear the direct costs of returning the product. If the entrepreneur has not notified the consumer that the consumer has to bear these costs or if the entrepreneur indicates to bear the costs himself, the consumer does not have to bear the costs of return shipment.
6. If the consumer withdraws after having first expressly requested that the performance of the service or the supply of gas, water or electricity not made ready for sale in a limited volume or certain quantity commences during the withdrawal period, the consumer owes the entrepreneur an amount proportional to that part of the commitment that has been fulfilled by the entrepreneur at the time of withdrawal, compared to the full fulfillment of the commitment.
7. The consumer shall not bear any costs for the performance of services or the supply of water, gas or electricity, not made ready for sale in a limited volume or quantity, or to supply district heating, if:
a. the trader has not provided the consumer with the legally required information on the right of withdrawal, the cost reimbursement upon withdrawal or the model withdrawal form, or;
b. the consumer has not expressly requested the commencement of the performance of the service or supply of gas, water, electricity or district heating during the withdrawal period.
8. The consumer shall not bear any costs for the full or partial delivery of digital content not delivered on a tangible medium if:
a. he has not expressly consented to the commencement of performance of the contract before the end of the cooling-off period prior to its delivery;
b. he has not acknowledged losing his right of withdrawal when giving his consent; or
c. the entrepreneur has failed to confirm this statement by the consumer.
9. If the consumer makes use of his right of withdrawal, all additional contracts shall be dissolved by operation of law.

Article 9 - Obligations of the entrepreneur in the event of withdrawal

1. If the trader enables the consumer's notification of withdrawal by electronic means, he shall send a confirmation of receipt without delay after receiving this notification.
2. The entrepreneur reimburses all payments of the consumer, including any delivery costs charged by the entrepreneur for the returned product, without delay but within 14 days following the day on which the consumer notifies him of the withdrawal. Unless the entrepreneur offers to pick up the product himself, he may wait with refunding until he has received the product or until the consumer proves that he has returned the product, whichever is earlier.
3. For repayment, the entrepreneur uses the same means of payment that the consumer has used, unless the consumer agrees to another method. The refund is free of charge for the consumer.
4. If the consumer has chosen a more expensive method of delivery than the cheapest standard delivery, the entrepreneur does not have to refund the additional costs for the more expensive method.

Article 10 - Consumer right of withdrawal exclusions.

The Entrepreneur may exclude the following products and services from the right of withdrawal, but only if the Entrepreneur stated this clearly in the offer, at least in time for the conclusion of the contract:
1. Products or services whose price is subject to fluctuations in the financial market over which the entrepreneur has no influence and which may occur within the withdrawal period
2. Contracts concluded during a public auction. A public auction means a method of sale in which products, digital content and/or services are offered by the entrepreneur to consumers who attend or are given the opportunity to attend the auction in person, under the direction of an auctioneer, and in which the successful bidder is obliged to purchase the products, digital content and/or services;
3. Service contracts, after full performance of the service, but only if:
a. performance has begun with the consumer's express prior consent; and
b. the consumer has declared that he loses his right of withdrawal once the entrepreneur has fully performed the contract;
4. Service contracts for provision of accommodation, if the contract provides for a specific date or period of performance and other than for residential purposes, transportation of goods, car rental services and catering;
5. Contracts relating to leisure activities, if the contract provides for a specific date or period of performance thereof;
6. Products manufactured to the consumer's specifications, which are not prefabricated and which are manufactured on the basis of an individual choice or decision by the consumer, or which are clearly intended for a specific person;
7. Products that spoil quickly or have a limited shelf life;
8. Sealed products that are not suitable for return for reasons of health protection or hygiene and whose seal has been broken after delivery;
9. Products that after delivery are by their nature irrevocably mixed with other products;
10. Alcoholic beverages whose price was agreed upon at the conclusion of the agreement, but whose delivery can only take place after 30 days, and whose actual value depends on fluctuations in the market over which the entrepreneur has no influence;
11. Sealed audio, video recordings and computer software, the seal of which has been broken after delivery;
12. Newspapers, magazines or journals, with the exception of subscriptions to these;
13. The delivery of digital content other than on a tangible medium, but only if:
a. the performance has started with the express prior consent of the consumer; and
b. the consumer has declared that he thereby loses his right of withdrawal.

Article 11 - The price

1. During the validity period stated in the offer, the prices of the products and/or services offered will not be increased, except for price changes due to changes in VAT rates.
2. Contrary to the previous paragraph, the Entrepreneur may offer products or services whose prices are subject to fluctuations in the financial market that are beyond the Entrepreneur's control, with variable prices. This link to fluctuations and the fact that any prices mentioned are target prices will be mentioned in the offer.
3. Price increases within 3 months after the conclusion of the contract are only allowed if they are the result of statutory regulations or provisions.
4. Price increases from 3 months after the conclusion of the agreement are only allowed if the entrepreneur has stipulated it and:
a. they are the result of legal regulations or stipulations; or
b. the consumer is authorized to terminate the contract on the day on which the price increase takes effect.
5. The prices mentioned in the offer of products or services include VAT.

Article 12 - Compliance with the agreement and additional warranty

1. The trader guarantees that the products and/or services comply with the contract, the specifications stated in the offer, the reasonable requirements of soundness and/or usability and the legal provisions and/or government regulations that existed on the date the contract was concluded. If agreed, the entrepreneur also guarantees that the product is suitable for other than normal use.
2. An additional guarantee provided by the entrepreneur, his supplier, manufacturer or importer never limits the legal rights and claims that the consumer can assert against the entrepreneur on the basis of the agreement if the entrepreneur has failed to fulfill his part of the agreement.
3. Extra warranty means any commitment by the entrepreneur, his supplier, importer or manufacturer in which he grants the consumer certain rights or claims that go beyond what he is legally obliged to do in case he has failed to fulfill his part of the agreement.

Article 13 - Delivery and execution

1. Delivery terms are indicative and non-binding, unless otherwise expressly agreed in writing. The delivery terms indicated by the Company are subject to correct and timely delivery to the Company by its suppliers and manufacturers. Delays in delivery and service due to force majeure and other unforeseeable events, which make delivery by the Company substantially more difficult or impossible and are not attributable to the Company (including, in particular, war, war-like events, official orders, failure to obtain import or transit licenses, national measures concerning the restriction of trade strikes, lockouts and similar business problems, traffic problems), regardless of whether the events occur at the Company, its suppliers or its subcontractors, shall give the Company the right to suspend the delivery or provision of services for the duration of the hindrance beyond an applicable lead time or to rescind the Contract, in whole or in part, insofar as it has not yet been fulfilled. The delivery period shall also be extended by the period by which the Consumer/Business Customer itself is in default of its obligations under the agreement. The Consumer/Business Customer has no right to compensation as a result of such hindrance.
Entrepreneur has the right to deliver goods or services in parts. In agreements for delivery, each partial delivery of goods and services shall count as separate performance.
2. Unless agreed otherwise in advance, the delivery time for orders placed with Entrepreneur by consumers is a maximum of 30 calendar days. If this delivery time is not feasible for any reason, Entrepreneur will inform the Consumer/Business Customer of this in a timely manner. In addition to the possibility of agreeing a new delivery date, only the Consumer in this case will have the option to unilaterally dissolve the contract whereby amounts already paid within 14 calendar days after dissolution by the entrepreneur should be refunded.
In case of reservations made by business customers, dissolution of the purchase agreement is not possible, unless otherwise agreed upon, in which case the Company charges 30% cancellation costs.

Article 14 - Duration transactions: duration, termination and renewal

Termination:
1. The consumer may at any time terminate a contract entered into for an indefinite period and which extends to the regular delivery of products (including electricity) or services, subject to agreed termination rules and a notice period not exceeding one month.
2. The consumer may terminate a fixed-term contract that was concluded for the regular supply of products (including electricity) or services at any time at the end of the fixed term in accordance with the applicable termination rules and a period of notice that does not exceed one month.
3. The consumer may terminate the agreements mentioned in the previous paragraphs:
terminate at any time and not be limited to termination at a specific time or during a specific period;
at least terminate them in the same way they were entered into by him;
always terminate with the same notice period as the entrepreneur has stipulated for himself.
Renewal:
4. A contract entered into for a definite period of time, which extends to the regular delivery of products (including electricity) or services, may not be tacitly extended or renewed for a definite period of time.
5. Notwithstanding the previous paragraph, a fixed-term contract that has been concluded for the regular supply of daily or weekly newspapers and magazines may be tacitly renewed for a fixed term not exceeding three months, if the consumer can terminate this extended contract by the end of the extension with a notice period not exceeding one month.
6. A fixed-term contract that has been concluded for the regular supply of products or services may only be tacitly extended for an indefinite period of time if the consumer may terminate it at any time with a notice period not exceeding one month. The notice period shall not exceed three months in case the contract extends to the regular, but less than once a month, delivery of daily, news and weekly newspapers and magazines.
7. A limited duration contract to regularly deliver daily, news and weekly newspapers and magazines for introductory purposes (trial or introductory subscription) is not tacitly continued and ends automatically at the end of the trial or introductory period.
Duration:
8. If a contract has a duration of more than one year, after one year the consumer may at any time terminate the contract with a notice of up to one month, unless reasonableness and fairness oppose termination before the end of the agreed duration.

Article 15 - Payment

1. Insofar as not otherwise stipulated in the agreement or additional conditions, the amounts owed by the consumer/business customer must be paid within 14 days after the start of the reflection period, or in the absence of a reflection period within 14 days after the conclusion of the agreement. In the case of an agreement to provide a service, this period commences on the day after the consumer receives confirmation of the agreement.
2. When selling products to consumers, general terms and conditions may never require the consumer to pay more than 50% in advance. Where advance payment is stipulated, the consumer may not assert any rights regarding the execution of the order or service(s) in question before the stipulated advance payment has been made.
3. The consumer/business customer has the duty to immediately report inaccuracies in payment details provided or mentioned to the entrepreneur.
4. If the consumer/business customer does not timely fulfill his payment obligation(s), he is, after he has been informed by the entrepreneur of the late payment and the entrepreneur has granted the consumer/business customer a period of 14 days to still fulfill his payment obligations, after the non-payment within this 14-day period, due the statutory interest on the amount due and the entrepreneur has the right to charge the extrajudicial collection costs he has incurred. These collection costs amount to a maximum of: 15% over outstanding amounts up to € 2,500; 10% over the next € 2,500 and 5% over the next € 5,000, with a minimum of € 40. The entrepreneur may deviate from these amounts and percentages for the benefit of the consumer/business customer.

Article 16 - Complaints procedure

1. The operator has a sufficiently publicized complaints procedure and handles the complaint in accordance with this complaints procedure.
2. Complaints about the execution of the agreement must be submitted to the entrepreneur fully and clearly described within a reasonable time after the consumer/business customer has found the defects.
3. Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeably longer processing time, the entrepreneur will respond within the 14-day period with a notice of receipt and an indication of when the consumer/business customer can expect a more detailed answer.
4. The consumer/business customer must give the entrepreneur at least 4 weeks to resolve the complaint by mutual agreement.

Article 17 - Additional or different provisions

Additional provisions or provisions deviating from these general conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored in an accessible manner by the consumer/business customer on a durable data carrier.

The following contract terms have been declared applicable to the visit to this website, the application/assessment and approval of the application to MultiFactor's retrospective payment service.

Article 1: Definitions.

In the General Terms and Conditions we mean the following definitions: Consumer: The party who, in settlement of a monetary debt, can make (an order for) payment by means of payment orders through MultiSafepay to MultiFactor. Afterwards Payment Service The service that MultiFactor provides under the Agreement, the functionality of which is described in the Agreement, the General Terms and Conditions as well as in the technical documentation that MultiFactor will make available to Merchant.

MultiFactor website: The website http://www.multifactor.nl

MultiFactor: MultiFactor B.V. is an independent company that carries out the post-payment process of Betaal na Ontvangst, the post-payment method of MultiSafepay. MultiFactor specializes in the safe execution of payment solutions for consumers in the Netherlands.

Merchant: The party that can accept the payment service based on an agreement entered into between MultiFactor and the Merchant Safetyfreaks.

Agreement: The agreement concluded between MultiFactor and the Merchant regarding the MultiSafepay account, to which these MultiFactor General Terms and Conditions have been declared applicable.

Receivable: A receivable consists of an outstanding amount (transaction), possibly increased by shipping costs, VAT and the costs for using the payment method Pay After Receipt. This amount can be increased by collection and/or administration costs.

Article 2: Applicability

1: The General Conditions apply to every agreement and offer of MultiFactor, unless otherwise agreed in writing. 2: The applicability of the General Conditions by the Merchant is expressly rejected by MultiFactor.

Article 3: Evaluation of request for quotation

1: If you only request information about the post-payment service, this does not lead to an agreement. Neither can it be inferred from the information request or offer that an agreement will be established. MultiFactor is always authorized to reject a (conditional) request without giving reasons. The conditional approval or rejection is based on data verification and control of the website. 2: MultiFactor has the option to withdraw the signed offer from merchant up to 10 days after receipt of the signed offer. 3: If merchant neither confirms nor approves a Pay Upon Receipt quote in writing within 30 days of receipt, the quote will expire unless otherwise agreed in writing.

Article 4: Service Agreement.

1: MultiFactor provides the payment service to merchant during the contract period. The payment service is provided in accordance with the General Terms and Conditions and the Service Agreement. 2: The contract term is determined by MultiFactor. Exceeding this term does not put MultiFactor in default. 3: Merchant informs MultiFactor of the correct data and provides the cooperation, for the execution of the agreement. 4: MultiFactor is entitled to dissolve the service agreement at any time if the merchant does not act in accordance with the agreement. 5: MultiFactor is authorized to approach third parties for the execution of the agreement.

Article 5: Website and intellectual property

1: Merchant lists on website the general consumer conditions provided by MultiFactor. The information is prepared in cooperation with MultiFactor. These general conditions shall be placed in a clearly visible place on the website. 2: The rights and use of the name and logo of MultiFactor, are exclusively reserved to MultiFactor.

Article 6: Personal data protection and confidentiality

1: MultiFactor respects your personal data and ensures that information is kept confidential. 2: MultiFactor may use third parties who provide MultiFactor with data. The processing of personal data takes place in compliance with the Personal Data Protection Act. 3: Merchant agrees to the processing of personal data during the claim and transfer of the claim. 4: The parties are obliged to keep confidential the information they provide and exchange during the contract. 5: Merchant shall process and handle data in accordance with the Personal Data Protection Act.

Article 7. Liability

1: MultiFactor is only liable for damage that can be attributed to intent or gross negligence, or is at the risk of MultiFactor under mandatory rules of law. MultiFactor can never be held liable for consequential or business damage, indirect damage and loss of profit or turnover. 2: MultiFactor is not responsible for damage resulting from fraud that has proven to be undetectable for MultiFactor. 3: MultiFactor is not responsible for damages at merchant related to malfunctioning of the website, calculations and payment methods. 4: MultiFactor is not responsible for damages at merchant related to the malfunctioning of the MultiFactor website and payment environment. 5: MultiFactor is not responsible for failures on website, payment environment equipment and programming that (may) affect the execution of a payment order. 6: If MultiFactor is nevertheless obliged to compensate damage, the compensation will never exceed an amount equal to the invoice value with regard to the product or service that caused the damage. 7: If there is any damage, merchant must notify MultiFactor within 14 days after occurrence of the damage. After expiry of this period, the right to compensation (if any) expires.

Article 8: Merchant transfer data

1: Merchant guarantees that the claim with the consumer has not been validly otherwise, set off or suspended. 2: Merchant shall ensure correct and proper delivery of the order. 3: MultiFactor is not responsible for incorrect, faulty deliveries, nor for deliveries that have not been delivered/shipped or have been delivered/shipped incorrectly. 4: When (partially) dissolving the agreement by e.g. returning products, (partially) exchanging products or any other adjustments to the order; the merchant will inform MultiFactor about this at the latest within 2 working days. 5: Merchant sends invoice of the order without the merchant's own account number. 6: If consumer nevertheless transfers the amount to merchant in error, merchant will transfer the amount to MultiFactor within 2 business days at the latest. MultiFactor will be notified by merchant by email and/or telephone. 7: Details of the receivable must be provided to MultiFactor at all times. If these details are not provided, merchant will be placed in default. 8: Merchant shall provide MultiFactor with shipment details of order, if required the details will be submitted to MultiFactor. 9: If merchant fails to provide requested data, MultiFactor will notify merchant in writing. If after this notification merchant does not respond within 5 business days, the cooperation agreement may be dissolved. 10: The merchant always acts in accordance with relevant (Dutch) laws and regulations.

Article 9: MultiFactor responsibilities

1:MultiFactor performs a creditworthiness test and fraud check for each order. The result will be communicated to merchant immediately or at least within 2 business days. 2:MultiFactor tries to combat fraud by performing various data checks of the claim. 3: MultiFactor ensures as much as possible a secure payment environment where the payment solution is offered 4: MultiFactor takes over the claim and the associated risk. This in accordance with the cooperation agreement. 5: MultiFactor guarantees merchant that the personal data are obtained and processed in accordance with the Personal Data Act.

Article 10: Dissolution of Agreement

1: MultiFactor has the right to terminate the agreement if merchant does not comply with obligations under the cooperation agreement and/or General Terms and Conditions and/or MultiFactor can infer from the merchant's behavior that the obligations are not (or cannot be) met. 2: Merchant has the right to terminate the cooperation agreement with immediate effect: MultiFactor is in bankruptcy or suspension of payments. There is seizure of MultiFactor MultiFactor does not meet its obligations towards the merchant.

Article 11: General conditions

1: Changing the General Terms and Conditions by MultiSafepay is permitted. After changing the General Terms and Conditions, the merchant will be informed of this in writing or given the opportunity to take note of it via the MultiFactor website. The change will take effect after one month. If the merchant rejects the changes, he may dissolve the contract taking into account the notice period. 2: Merchant has one month to reject the changes. Contact can be made in writing about this. If merchant does not contact you within this period, merchant is deemed to agree to the change(s).

Article 12: Applicable law and competent court

1: MultiFactor is registered with the Chamber of Commerce under number 55878512, registered office Kraanspoor 39, 1033SC Amsterdam. The Website: www.multifactor.nl 2: The Contact Details of MultiFactor, Kraanspoor 39, 1033SC Amsterdam or PO Box 37159, 1030 AD Amsterdam. By phone we can be reached at 020-8500533. By e-mail: support@multifactor.nl Website: www.multifactor.nl Opening hours: Monday to Thursday 08:00-17:30, Friday 08:00-17:00. 3: MultiSafepay is under the supervision of the Nederlandsche Bank (DNB) and the Authority for the Financial Markets (AFM). 4: Any agreement between you and MultiFactor B.V. is subject to Dutch law. Disputes shall be submitted to the competent court in Amsterdam, unless the law expressly designates another court as competent. 5: The applicability of the Vienna Sales Convention is excluded. The following definitions are used in the General Terms and Conditions: Consumer: The party who, in settlement of a monetary debt, can make (an order for) payment by means of payment orders via MultiSafepay to MultiFactor. Subsequent Payment Service The service provided by MultiFactor under the Agreement, the functionality of which is described in the Agreement, the General Terms and Conditions as well as in the technical documentation that MultiFactor will make available to Merchant. MultiFactor Website: The website http://www.multifactor.nl MultiFactor: MultiFactor B.V. is an independent company that executes the post-payment process of Pay After Receipt, the post-payment method of MultiSafepay. MultiFactor specializes in the safe execution of payment solutions for consumers in the Netherlands. Merchant: The party that can accept the payment service based on an agreement entered into between MultiFactor and the Merchant Safetyfreaks. Agreement: The agreement concluded between MultiFactor and the Merchant regarding the MultiSafepay account, to which these MultiFactor General Terms and Conditions have been declared applicable. Receivable: A receivable consists of an outstanding amount (transaction), possibly increased by shipping costs, VAT and the costs for using the payment method Pay After Receipt. This amount can be increased by collection and/or administration costs.