General Terms and Conditions PaySelect GmbH
Part 1 AGB PaySelect GmbH
§1 Terms of delivery and payment
The delivery of the order documents is generally by e-mail after receipt of payment of the issue fee and service fee. The issue fee and service fee must be paid immediately after receipt of the order in advance. The company PaySelect reserves the right to change the terms of delivery or payment.
The dispatch of the PaySelect PrePaid MasterCard will be arranged after full receipt of payment (issue fee, service fee and first annual fee).
§2 Subject matter of financing
PaySelect offers a free financing check on request. The customer receives access to a form of an external contractor. With this a loan request can be made.
PaySelect does not lend itself and only acts as an intermediary of loans. The company PaySelect is not involved in the provision of services and owes the prospective customer no success. Whether and on what terms a loan agreement is concluded is solely a decision of the bank and the prospective buyer. Likewise, PaySelect does not assume any liability for the receipt of an offered credit term, as the banks may submit an individual offer based on the creditworthiness of the prospective customer.
In the case of a loan, a loan agreement is concluded exclusively between the prospective client and the bank. Within the scope of such a contractual relationship, the respective terms of contract and the General Terms and Conditions (GTC) of the respective bank apply.
All terms and conditions of the customer deviating from the General Terms and Conditions of PaySelect
do not apply.
§3 Pre-contractual information according to Art. 247 §13 BGBEG
PaySelect does not operate for one or more specific lenders, but as an independent intermediary.
For arranging loans, PaySelect receives a commission from the lenders
Range from 0% to 5% in personal loans / consumer credit and other types of credit. The amount of commission varies depending on the lender, financing product, conditions, type and extent. Any commissions received by PaySelect will result from interest payments, premiums or
any applicable termination fees charged to the client by the bank. This means that PaySelect’s service is paid by the current installments or fees. Possibly, the bank may make a bonus payment to PaySelect due to certain sales and quality requirements, which is not yet fixed at the present time. The fees mentioned are not dependent on the term of the contract and will not be refunded in the event of premature repayment of the brokered loan, even if they are not pro rata.
A further agency commission or additional charges is not to be paid by the client, unless it is separately agreed in the loan agreement.
§4 Final provisions, applicable law
The contractual relations of the parties are governed by the law of the Federal Republic of Germany, excluding the collision rules of the EGBGB.
Should any provision of these Terms and Conditions or any part of such provision be or become invalid, this shall not affect the validity of these Terms and Conditions as a whole. It is agreed that in place of an ineffective provision, an effective provision occurs that comes as close as possible in the meaning of the ineffective provision.
The seat of PaySelect is agreed for all legal disputes, if permissible.
Part 2 Right of Revocation and Revocation Sequences
You may cancel your contract within two weeks without giving reasons in writing (eg letter or e-mail) or by returning the goods. The period begins at the earliest with receipt of this instruction. To maintain the cancellation period, the timely dispatch of the revocation or the thing is sufficient. You will find the contact data for the revocation in the imprint.
Conclusion of the contract
The contract for the PaySelect Mastercard comes with the order confirmation (E-Mail: Authorization of the MasterCard). Due to the fee-based order of the PaySelect Mastercard the customer enters
binding offer on conclusion of the contract, which the PaySelect GmbH accepts by the order confirmation in the form of an e-mail.
consequences of Withdrawal
In the case of an effective revocation, the mutually received benefits and any benefits (eg interest) surrendered. If you can not give us back the service received in whole or in part or only in a deteriorated condition, you may have to pay us compensation for the value. With the release of things this does not apply if the deterioration of the thing solely on their examination – as it would have been possible for you in the store – is due. Incidentally, you can avoid the obligation to pay compensation by not using the item as an owner and refraining from anything that affects its value. In the case of a return from a delivery of goods whose total order value is up to 40 euros, you have to bear the costs of the return if the delivered goods correspond to those ordered. Otherwise, the return is free for you. The right of withdrawal does not exist for distance contracts for the delivery of goods, provided that the ordered goods are individually and clearly tailored to the personal needs of the consumer. The PaySelect Mastercard is produced personalized after ordering and can not be sold to another customer. For this reason, there is no right of withdrawal.
The prepaid card will not be refunded.
With the payment of the contribution to the use of the VIP status, the right of revocation for the VIP status ceases, since with immediate effect the benefits are available to the user and the resulting services can not be reversed. The VIP subscription has to be canceled to the responsible service provider.