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FINANCING: General information

INTEREST-FREE FINANCING: General information
FINANCING: General information.

Financing can be done either directly by phone, in store in Merate and/or online from your computer.

IMPORTANT: Before completing the order with a financing request, please inquire about the certain availability of the product, or the expected arrival date for unavailable products, with a request email to fotocolombo@gmail.com. THE
In the event of an order not agreed with a financing request for an unavailable product, FotoColombo srl reserves the right to cancel the order.
If you subscribe to a product with interest-free financing with a product with interest-bearing financing, you lose the advantage of interest-free financing.
that is, the financing order is managed entirely by the calculation of interest.

The financing is however subject to verification and confirmation approval by the financial company.
For products with the Price on Reservation the product is always delivered after verifying the payment of the first deposit.
Minimum financeable 350 euros: Obviously, if the product has a lower cost, it will have to be combined with another product until exceeding the requested 350 euros, even by just one euro.
The prices of all financed products, even those with zero-rate financing, EXCLUDE:

Order management or shipping costs + insurance and/or additional costs for financing procedures.
These vary depending on the amount of the order. (Minimum 7 euros + VAT), and must be added unless otherwise indicated to all financing tables and contribute to the total to be financed.
They will always be visible and totaled in the final basket before validation of the possible order.
Stamp duty of 16.00 euros which will be calculated on the first payment.
Direct debit fees (from 1.5 euros per monthly payment)
In December/January, 2 euros will be added for sending the summary documents.
Delivery times of goods:
For in-store financing: Present yourself in store only on our request after placing your order. Delivery of available goods will be immediate after approval of the request by the financing company.
On average, the financing company gives a response within 30 minutes. For financing over 2000 euros or on Saturdays, the financing company may also require a waiting time of more than 2 working days.
Financing requests with products declared in the order as temporarily unavailable or new may be processed after 30 days from approval by the financing company.
For home financing online with your computer: Inquire about availability before placing your order. If available after your order, the equipment will be set aside for 2 days.
The application to the financing company must be completed within this period. Otherwise, the product will be put back on sale and its availability in a short time cannot be guaranteed.
The financing company will send by email the contract to be signed, which will then be returned, also attaching the documents necessary for financing that will be requested directly by the financing company (ID card, tax code, latest pay slip, etc.)
General notes: To reserve the equipment ordered with financing both in store and online, we reserve the right to request a minimum deposit of 15 euros + VAT before requesting financing.
The deposit must be paid in advance using a payment method to be agreed. The deposit must be deducted from the total amount of the loan and will not be refunded in the event of cancellation or financing approved by the financing company.

The financing requested and approved by the financial institution of the selected equipment can no longer be canceled or changed in the type of equipment.

In this case, in case of cancellation, the management fee of the order concerned will be charged, in addition to a penalty of 10% on the total of the items for loss of income, and any deposit paid will be retained in full.

Any deposit must be made by bank transfer after approval of the financing.

REQUIRED CHARACTERISTICS:
Age: minimum 18 years - maximum 73 years (with insurance maximum 70 years)
Residence in Italy
At least 6 months of seniority if employed, 12 months if self-employed

REQUIRED DOCUMENTS:

Identity document
Bank IBAN code
Tax code card
Income document
-if employed: last pay slip
-if self-employed: last single model and electronic filing
-if retired: pension slip

Residence permit (for non-EU citizens)
Registered user in the absence of a landline.

INTEREST-FREE FINANCING: Inform general terms.
Interest-free financing from 350 to 500 euros from 6 months up to 10.
Some items may be offered in more than 10 installments only for a certain period.

At a minimum, you can assemble more products but you cannot exceed the maximum figure of 1500.
If you exceed 1500, you can insert a deposit of the amount exceeded at the time of ordering, thus bringing the financing to less than 1500 euros.
The deposit will then be paid separately by bank transfer at a later stage.

If you are interested in one or more items with payment by choosing more installments than those proposed, you will lose the zero interest.
In this case, you will have to insert "I want + installments" in the shopping cart as if it were an item and the program will simulate an indicative installment cost.
(The item has the Fid. code 60312 (you can find it by clicking on the link below)

I AM INTERESTED IN MULTIPLE INSTALLMENTS (click here to see it)

However, before confirming the order, it is possible to have an indication of the amount of the installment and the number of possible installments thanks to the CALCULATE INSTALLMENT function.
which is already in the item sheet or at the end of the shopping cart page.

Important:
Find out in advance about the actual availability of the product
Financing requested with unavailable products will be canceled unless otherwise agreed by email

How to request financing:
1) Put the product in the cart and continue to the payment page where you can choose to finance: from home or in store where you will see the total to finance: COMPLETE WITH CONFIRMATION
2) In case of financing from home, you will be directed to the website of the financing company to finalize the purchase.

However, the following are excluded from the calculation of the deposit:
Stamp duty of 16.00 euros
Handling or insurance costs in the event of shipping (minimum 8 euros depending on the value)
Direct debit fees (1.5 x each monthly payment)
2 euros for sending the summary documents

Those who do not wish to use financing can still place the order using other types of payment, including: cash, checks, credit/debit card, bank transfer and, where applicable, cash on delivery.

Kamera points are only valid under the following conditions:

1) The order where they are marked must be purchased in its entirety.

and the material must have been delivered in any case.

2) Kamera points cannot be used on the same order but in one order

at least 20 days after the payment of the order, for a minimum amount of 150,00 euros

provided that the order that generated it has been duly paid and not returned or has a right of withdrawal.

and are valid only for a purchase and can no longer be used after 60 days from the order that generated them

If the purchase is less than the value of the discount points used, the difference will not be refunded

3) The Kamera points will be added to your account after the goods have been paid for

and collected and / or delivered: not earlier than 15 days after the invoice or receipt is issued

4) Kamera points can be used, as indicated in the order,

no earlier than 20 days from the withdrawal or receipt of the product linked to the voucher.

5) If you have not received the points because they were not sent by us, they will still be extended (upon your request)

only if an order has been placed within the period of validity of the points acquired and not shipped

order that in any case is no later than 6 months from the time of the order.

After 6 months from the order that generated the points, the same points will expire even if they have not been received and it will no longer be possible to recover them.

It is not possible to purchase Gift Cards with points

For in-store purchases without an order or for telephone orders, you are not entitled to points:

Please do not insist out of respect for whoever places the order.

The crediting of Kamera points starts from 24 March 2016 and the expiry (unless otherwise indicated for promotions) of the points to be used is every six months from the date of purchase.

in any case no later than 180 days from the date of the order

and in any case no later than 20-12-2023 unless otherwise specified

Minimum trolley to be able to use points 150,00 euros

6) Products returned connected with the discount points will be considered as value

net of the vouchers acquired or used

7) The value of the discount points is understood to include VAT in force

and must be used only for the purchase of an order on the website www.fotocolombo.it

it is not possible to exchange it for money in any way

8) Discount points can only be used once

If the purchase is less than the value of the discount points, the difference is not refunded.

9) For material not delivered because it is no longer available or finished, even if ordered and confirmed e

paid previously, the points will not be delivered and any money previously paid will be returned.

10) Orders paid without our confirmation will not be considered valid for points even if paid

For customers residing in the European community, the VAT of the country of destination of the ordered material will be attributed.
For customers who do NOT reside in the European community it will be necessary to add VAT and duties of the country where the goods are delivered

The article 36 margin regime will be applied to used material sold in Italy.

Compila il modulo e ti risponderemo appena verificato.
Importante che abbia ns stesse condizioni di vendita:
stessa garanzia, sia nel mercato europeo etc...

Condizioni del servizio da soddisfare

Fotocolombo srl
V.le. Verdi, 95 - Merate
Phone 0399900885
info.bicicolombo@gmail.com

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