Terms of purchase & GDPR

Payment & Delivery

Each item is listed with a price including VAT. In the shopping cart, you can see the total price including all fees, VAT, shipping and payment.
Payment terms are indicated in the shopping cart depending on the selected payment method.
Shipping conditions are specified in the shopping cart depending on the selected shipping method.

 

Delivery In Europe
Free shipping - on purchases over €20
We will send your item by registered mail (Postnord). This is delivered directly to your mailbox but cannot be tracked.

 

Invoice
When you pay via Klarna invoice, you shop safely and easily. You never have to provide your card details, and always pay after you receive your goods.

• Always receive the product before paying
• Payment period - always at least 14 days
• You never need to give out card details
• Always a 14-day right of withdrawal in accordance with the Distance and Home Sales Act
• Download your invoices from klarna.se
• Possibility of partial payment

 

Payment terms
The credit period for this purchase is 14 days from the invoice date. The invoice is sent in connection with the delivery. In accordance with the agreement with the e-shop, an invoice fee of SEK 0 is charged.

A reminder fee is added in case of non-payment. If you shopped for less than SEK 60.00, SEK 29.00 is added, and if you shopped for SEK 60.00 or more, SEK 60.00 is added in reminder fee. A late payment interest of 24.00% plus applicable reference interest is also added. If no payment is subsequently made, the claim may then be handed over for collection processing, where additional collection costs may be incurred.

 

 

Credit check
At the time of purchase, a credit check is carried out, which in some cases means that a credit report is taken. You will then receive a copy of the credit information by post.

 

Conversion of invoice into a flexible installment payment
When you have received your invoice, instead of paying the entire invoice at once, you may be offered to pay a lower amount and thus apply to convert your invoice into a flexible instalment. This means that you pay at your own pace with at least SEK 50 per month. The effective interest rate for a purchase of SEK 10,000, SEK 29 in monthly administrative fee, 19.90% in variable interest and payment over 12 months is 29.22%. Each installment will then be SEK 955 per month and your total cost will be SEK 11,458.

 

Personal data management

GDPR - Handling of your address and purchase data here at coverin.com

On May 25, 2018, a new law, GDPR, comes into effect. It is a common law that will ensure that the same rules apply everywhere throughout Europe. GDPR replaces the Personal Data Act (PUL), which has been a Swedish law since 1988. With GDPR, all organizations, traders and companies must have a greater responsibility to have control over their customers' data.

coverin.com is responsible for the processing of personal data that you provide to us as a customer and these are processed by us to be able to administer your purchases, as well as for marketing purposes if you have signed up for the newsletter. billigamobilskydd.se does not disclose personal data, e-mail addresses or other customer information to third parties other than those mentioned in the third point below.

 

coverin.com, as an e-retailer, has obligations to ensure that your data is processed as follows

• We store your name, address, e-mail, and telephone so that we can deliver your order

• We store your name, address, e-mail, and telephone (mobile) and your social security number when purchasing goods

• We disclose your address to third parties, in this case the forwarder DHL and/or Postnord and the payment service (Klarna)

• You have the right to be deleted from the systems at any time (with certain restrictions, such as the Accounting Act)

• We store your data upon purchase for 7 years due to the Accounting Act.

• You have the right to complain to the supervisory authority

• You have the right to find out where the information came from, if you have not registered it yourself

• In newsletters, we can send offers that are adapted to your data with us and that you then have the right to know what we base our offers to you on for stored information.

• You have the right to receive an extract of all information that we have about your account with us.

General Data Protection Regulation (GDPR) – Common personal and data protection law that comes into force on 25 May 2018 throughout the EU.

 

Use of cookies
A cookie is a text file that is stored on your computer. Cookies are normally used to improve the website for the user, for example to be able to adapt a website to the visitor's wishes and choices. A permanent cookie remains on the visitor's computer for a specified period of time. A session cookie is temporarily stored in the computer's memory while a visitor is on a web page. Session cookies disappear when you close your browser.

We do not use permanent cookies. We use session cookies to check if you are logged in or if you have placed an item in the shopping cart, as well as when you use the product filtering.

You can also choose to delete cookie files that have been placed with you at any time. If you do not want to allow cookies, you can choose to change the settings in your browser so that they are not accepted. By accepting cookies on your computer, billigamobilskydd.se considers that you give your permission for cookies to be used when visiting us. If your browser or firewall is set to deny the storage of cookies, you can instead place your order via e-mail to info@billigamobilskydd.se

billigamobilskydd.se uses Google Analytics as a tool to get a picture of how visitors use the website. We use the information to see how the visitor, our customer, uses our website and our various categories and pages. We produce visitor statistics, for example we use reports of visits to the website to improve content, navigation and structure. The information is not saved at billigamobilskydd.se. The analysis tool uses cookies and the information generated by these through your use of the website is forwarded to and stored by Google on servers in the USA. coverin.com (billigamobilskydd.se) uses an anonymization function with Google Analytics, where the tool removes the last digits of the visitors' IP address before the information is stored with Google. Google may transfer this information to third parties if required by law or in cases where a third party processes the information on Google's behalf.

If you have any questions about this, contact us at info@billigamobilskydd.se

 

Partial payment

You can choose to pay at your own pace or pay a fixed amount per month. When you pay in installments with Klarna, the following always applies:

• You receive the item before you pay

• You collect all your purchases on one monthly invoice

• You pay at your own pace or a fixed amount per month

Account - pay at your own pace.

You pay any amount per month. The minimum amount you can pay is 1/24 of the amount remaining and no less than SEK 50 each month. You can when you want to pay the entire remaining amount. An administration fee of SEK 29 is added to the invoice.

Example: For a purchase of SEK 10,000, the set-up fee is SEK 0. The current annual interest rate is 19.90%, which corresponds to an effective interest rate of 29.22%. The credit purchase price is SEK 11,458. The number of partial payments is 12 and each partial amount is SEK 955. The example assumes that installments are made over a period of one year.

 

Fixed installment payment
Fixed installment payment from Klarna means that you divide your payment into 6, 12 or 24 months (and at some stores up to 36 months). You know from the start what your monthly cost will be - and you know when you have finished paying.

In the case of fixed installments, the interest cost is calculated on the total outstanding amount, which means that the monthly cost will be higher in the first month and lower in the last month.

At the time of purchase, a credit check is carried out, which in some cases means that a credit report is taken. You will then receive a copy of the credit report by post.

If you have any further questions or concerns, you are welcome to call Klarna on 08- 120 120 10 Mon-Thurs between 08.00 - 20.00, Fridays 08.00-18.00 and weekends 10.00 - 17.00.

Welcome to Klarna Checkout
Klarna Checkout makes it easy, flexible and secure for you to shop online. By answering a few questions, you identify yourself easily and you can choose the payment method that suits you best.

A finesse with Klarna Checkout is that we differentiate between purchase and payment. First you confirm your purchase and then you choose how you want to pay. Either with a Klarna invoice or Klarna account - or by card or bank transfer. Everything is equally safe. If you want, you can connect a PIN code to Klarna Checkout.

By entering or requesting information in Klarna Checkout, you agree to our terms of use and our use of your personal data as stated below.

Klarna Checkout Terms of Use

By using Klarna Checkout, you accept Klarna AB's (556737-0431, Sveavägen 46, 111 34 Stockholm), "Klarna", terms and conditions as they appear below, including any attachments or other material referred to ("Terms"). By entering or requesting information, you start using Klarna Checkout. By doing so, you have also approved our processing of your personal data, including the possibility for us to transfer the data to third parties or for processing outside the EU/EEA area. To use Klarna Checkout, you must be at least 15 years old.

 

Klarna Mobile - Easier and safer SMS payments.

With Klarna Mobil you pay easily and securely with your mobile phone. Your purchases during a month are collected on an invoice that you receive the following month. And since the purchases do not end up on the mobile bill, you can use your work phone or a prepaid mobile.

• Also works for you who have not had time to top up your cash card

• All your mobile purchases during a month end up on a consolidated invoice

• Always pay the month after the purchase is made

• Possibility of partial payment

• Works for business mobiles

In the event of non-payment, all your outstanding purchases made with Klarna Mobil become due for full payment and a reminder fee of SEK 60.00 as well as late payment interest of 24.00% plus at any time the reference interest determined by the Riksbank is added. At the time of purchase, a credit check is carried out, which in some cases means that a credit report is taken. You will then receive a copy of the credit report by post.

Personal data is handled in accordance with current legislation. Klarna processes personal data primarily for the purpose of identification, customer analysis, credit control, marketing, and business development. Social security number is used as customer number for customer management purposes. See Klarna's Privacy Statement for a more detailed description of Klarna's personal data processing. Further information can also be obtained by contacting Klarna pådataskydd@klarna.se.

By using Klarna Mobil, you agree to our use of your personal data in accordance with Klarna's Privacy Statement, including transfer to another company or to a state outside the EU/EEA area.

 

Identification, adaptation and risk assessment
In order to be able to identify you securely and prevent unauthorized use or abuse of Klarna Checkout, as well as to meet the requirements according to good credit practices, Klarna needs to ensure your identity. Klarna collects additional information such as social security number, name and address as well as, when choosing a credit option, credit information from various suppliers. Klarna also needs to use the information you may have provided during previous purchases, publicly available information on the internet and information about how you have previously met our payment terms, to make a risk assessment. Klarna Checkout automatically adapts the risk assessment, and thus the design of the service, for each time you use the service and you do not need to enter more information than necessary. In some cases, the address previously specified and approved by Klarna will be shown to you as soon as you have entered your e-mail address and your postcode. The approved address may only be used for the purpose of pre-filling the address information in direct connection with a purchase. You can easily avoid prefilling the approved address by choosing to apply a PIN code. By completing the purchase, you confirm your identity and correct delivery address.

 

Payment, fees
Klarna Checkout displays the payment options that can be offered to you. Current payment options that may currently be offered through Klarna Checkout are invoice, account credit, card payment or direct payment via bank. Invoice is the default payment option where possible. When paying by invoice, Klarna's current invoice terms apply at any time; U.N. 14 days credit, a reminder fee is added in case of non-payment. If you shopped for less than SEK 60, SEK 29.00 is added, and if you shopped for SEK 60 or more, SEK 60.00 is added in reminder fee. Also a late payment interest corresponding to 24% plus at any time the reference rate set by the Riksbank. There is no cost to use Klarna Checkout. However, any taxes or fees may be added through the chosen payment option, see the individual payment terms for the option you choose. Klarna can at any time add or remove one or more payment options from those offered in Klarna Checkout.

When you complete a purchase via Klarna Checkout, you and Klarna enter into an agreement where Klarna, among other things, guarantees that you do not have to pay if you do not receive your goods. At the same time, Klarna reimburses the store for what you bought and thus takes over the right to get paid. Regardless of which payment method you choose, your payment will therefore go towards settling the claim Klarna has.

 

Usage, PIN code

Klarna is the holder of all rights to Klarna Checkout. As a user, you may only use the service in the intended manner to make purchases, until further notice and in accordance with the current Terms and Conditions. Klarna Checkout offers the option of choosing a personal code, so-called PIN code. This PIN code is an optional option for you who want extra protection when you shop online. Remember not to choose a code that has any connection with your own social security number, telephone number or the like, not to reveal the code to anyone or to write down the code in such a way that outsiders can assume it refers to a PIN code.

 

Assurance
You warrant that the information you provide is correct and yours, and that you may enter into an agreement unimpeded and without the approval of a guardian, trustee or other person.

If you are using the Service on behalf of a legal entity, you also warrant that you have the authority to enter into this Agreement and hereby accept the Terms in their entirety on behalf of the legal entity. By providing personal data about other people, you also confirm that you have consent to provide this information and that the data may be used for the purposes and in the ways described in these Terms.

Abuse
Use of information that is not yours or that you for other reasons do not have the right to use, as well as use of Klarna Checkout in other ways that are not intended, will be assessed by Klarna as abuse. All information related to misuse or suspected misuse of Klarna Checkout, for example by entering incorrect or misleading information, is saved and used for future risk assessments and to protect involved parties. The user may be blocked from further possibility of using Klarna Checkout. Your compliance with the Terms and Conditions and individual payment conditions for Klarna's services also affect the risk assessment when using Klarna Checkout and thus your ability to use all the payment options.

 

Personal data
Klarna and its partners process your personal data in order to be able to offer you a simplified payment via Klarna Checkout and to be able to simplify the payment process further the next time you use Klarna's services. Klarna processes the personal data for the purpose of ensuring your identity, administering the customer relationship, preventing abuse or misuse of the payment service, performing customer analysis, credit assessment, risk analysis, risk management, business development, for commercial and marketing purposes for itself and for our specially selected partners and to fulfill applicable legal requirements in general. Personal data is any kind of information that can be directly or indirectly linked to you. The following are examples of personal data that Klarna processes:

1. Contact information - name, address, e-mail address, telephone number, etc

2. Social security number

3. Payment information - card number, invoice information, etc

4. Financial information - e.g. information about income and possible payment notes (used in cases where a credit report is taken)

5. Item information – information regarding the purchases you make

6. Historical information – information about previous purchases, how you have previously complied with the payment terms, possible rejections, etc.

7. Information about your computer/device - IP address, language settings, browser settings, etc

8. Publicly available information on the internet

 

The social security number is used for identification and as a customer number for customer management purposes in Klarna's system. If you have previously used Klarna, there may be data saved about you for, for example, customer management, documentation requirements or similar approved purposes. Klarna will use any such information to ensure your identity and simplify your use of Klarna Checkout. Klarna may also use electronic communication (communication via e.g. SMS and e-mail) in its contacts with you. Klarna may disclose information to other companies within the Klarna group of companies, which may also use the information in the ways and for the purposes described here. For administrative purposes, data may also be disclosed to the e-retailer where you made your purchase and to our specially selected partners for customer analysis and marketing. Furthermore, information may be disclosed in connection with the transfer of the claim to debt collection companies or similar. The data may also be transferred for processing outside the EU/EEA area to a state that does not have the same level of protection for personal data. Klarna safeguards the protection of personal data and will implement appropriate safeguards to protect the data. You have the right to request access to the data concerning you in writing once a year. You also have the right to correct incorrect information and to opt out of receiving further marketing communications. Klarna is the data controller for the processing of your personal data.

See also Klarna's Privacy Statement for a more detailed description of Klarna's personal data processing. Additional information can also be obtained by contacting Klarna at dataskydd@klarna.se

By using Klarna Checkout, you agree to our use of your personal data in the manner described here, including any transfer to another company or to a state outside the EU/EEA area as well as the possibility of using electronic communication for e.g. marketing.

 

Klarna Cookies
Klarna uses cookies. A cookie is a small text file that is sent from Klarna's web server and saved by your browser to give you access to various functions. Klarna uses cookies, among other things, for the purpose of adapting Klarna Checkout to you and for internal analyzes of how our website is used. Cookies cannot harm your computer. See also Klarna's Klarna Privacy Statement for more information on how Klarna uses cookies.

By using Klarna Checkout, you agree to our use of cookies.

 

Changes, additions and other Services
Klarna is constantly changing and improving the services and reserves the right to change the Terms for the further use of Klarna Checkout. Therefore, always read the Terms and Conditions before each new purchase. For other services that Klarna provides, Klarna's conditions and price list for such services apply at any time. Terms and price list are available at www.klarna.se. If it turns out that a certain condition is not enforceable, this shall not affect any other conditions.

 

 

 

Links to or from other websites

Klarna does not endorse or control any third-party website or application and we are not responsible or liable in any way for their content. To the extent you use such third-party site or application, the terms of that site/application will apply.

 

Limitation of Liability, Applicable Law, and Disputes

In addition to what follows from the Terms or mandatory consumer legislation, Klarna is not responsible in any case for damage directly or indirectly caused by using Klarna Checkout. Klarna is also not responsible for damage caused if the customer has not followed the regulations regarding PIN code. Swedish law is applied, and any disputes must be handled by a general court.

 

Termination

Your right to use Klarna Checkout remains until either party terminates it. Such termination has immediate effect but does not affect conditions and obligations for completed purchases (unpaid invoices, fees, etc.) or the right to process personal data in the manner stated above.

 

Right of withdrawal

Your right of withdrawal (the withdrawal period) is valid for 30 days. Your message to us must clearly state that you regret it. The cancellation period begins on the day you received the item. If the agreement concerns a custom-made item - or an item that has been given a clear personal touch, the cooling-off period begins on the day we provide information.

You do not have the right of withdrawal if:

the service is started during the cooling-off period with your consent, the price is dependent on the fluctuations of the financial market, for example a share, the goods due to their nature cannot be returned, the seal has been broken on sound or image recordings or computer programs. Sealing also refers to technical sealing.

When you have exercised your right of withdrawal:

You are obliged to keep the item in the same good condition as when you received it. You may not use it, but of course carefully examine it. If the product is damaged or lost due to your carelessness, you lose the right of cancellation.

 

Guarantees

We have a full guarantee and right of complaint.

 

Privacy Policy
"When you place your order with us, you provide your personal data. In connection with your registration and order, you agree that we store and use your data in our business to fulfill the agreement with you. According to the Personal Data Act, you have the right to receive the information that we has registered about you. If it is incorrect, incomplete or irrelevant, you can request that the information be corrected or removed. In this case, contact us by email."

 

Deliveries
The delivery time is specified in the shopping cart under the respective shipping method. If an item has a different delivery time, it is indicated next to the respective item.

ATTENTION! Has your item not arrived? Check that you have entered the correct address!

Shipments that are returned due to an incorrectly given address are not covered by the free shipping.

 

Returns
Returns are at your own expense, except if the product is defective or if we have packed it incorrectly. Returns must be sent as a letter or package, not cash on delivery.

Paid shipping is not refunded.

ATTENTION! Unclaimed packages that are sent back to us are charged SEK 49.00!

When you have exercised your right of withdrawal, you must,
if it concerns an item: send or return it to us

if it concerns a service: keep the material available to us if it does not cause inconvenience to you.

 

Repayment obligation:

We shall, if you have exercised your right of cancellation, refund what you have paid for the goods as soon as possible or at the latest within 30 days from the day we received the goods or, if it is a service, the notification that you have canceled. You must pay the return costs yourself when you send the item back. We always pay the return cost for sending back so-called replacement goods.

Return Policy

The customer is responsible for the return shipping costs, unless the product is defective or a mistake was made during packing. Returns must be sent as a letter or package, and not by cash on delivery. Please note that shipping fees are non-refundable.

30-Day Return Policy
You have the right to cancel your purchase within 30 days from the day you received the product. Returns made within this period will be handled according to our return policy.

Return Address:
Tibro Billiga Mobilskydd AB
Box 129
54322 Tibro
Sweden

Uncollected Packages
If a package is not collected, a fee of €5 will be charged.

Right of Withdrawal
When exercising your right of withdrawal, you must return the product to us.

Refund
If you exercise your right of withdrawal, we will refund the amount you paid for the product as soon as possible, and no later than 30 days from the day we receive the product, or in the case of services, from the day we receive notice of your withdrawal. Return shipping costs are paid by you as the customer, but we cover the shipping costs if we send a replacement item.

 

Complaint

If your product is defective, you must of course make a complaint. The easiest way to do this is via email: info@billigamobilskydd.se

Email us a picture of the error. Keep in mind that details must be visible. Please also make sure that any camera holes are visible in the picture (this helps us to see if you may have received the wrong product).

Also email a picture of the packaging where you can see the product's model number.

 

Make sure to include the following information in the email:

Name

Order number

Date of purchase

Once we have approved the complaint, we will send out a new item together with a return envelope in which you can return the defective item.