Riverty Fix – Agreement

Creditor’s name and contact information

Creditor

arvato Finance AS - www.arvato.no
Org.no: 994 210 130
Office: Kongens gate 6
Post: Postboks 331 Sentrum, 0101 Oslo
Mail: kundeservice@afterpay.no
Phone: 22 87 89 30

Description of credit product’s most important features

Type of credit	Riverty Fix is an installment credit that can be used when paying in online stores that offer Riverty Fix as payment method. Installment amounts will be fixed for each month.
Total credit amount and terms for use of credit	www NOK Riverty Fix can be used within the approved credit limit.
The duration of the credit agreement	undefined months
Installments and order in which the installments are done	Installments: undefined NOK Term: 30 days Order of installments: Fees, interest, balance. Order is set, and previous item must be paid in full before the next item is started on.
Total amount to be paid	undefined NOK

Costs of credit

Money rate and costs

Effective interest
Total cost of credit presented as a percentage of the total credit amount.

Riverty Fix (fixed installments):

Payment terms	3 mnd	6 mnd	12 mnd	24 mnd	36 mnd
Startup fee	95 NOK	195 NOK	195 NOK	295 NOK	295 NOK
Monthly fee	45 NOK	45 NOK	45 NOK	45 NOK	45 NOK
Yearly interest rate	0 %	0 %	9,95 %	9,95 %	9,95 %
Effective interest rate	undefined %	undefined %	undefined %	undefined %	undefined %
Total cost	undefined NOK	undefined NOK	undefined NOK	undefined NOK	undefined NOK

Insurance policy/additional services

It is not mandatory to obtain an insurance or sign other agreements to receive the credit.

Changes of interest and costs

arvato can choose to adjust the interest up or down at any change of the general interest levels, or following changes to framework agreement, se part 2 bullet 3. Change of interest rate and fees or other credit costs are taken into practice 6 weeks after arvato har sent written notice, see Finansavtalelovens § 50

Costs of late or missing payment

Interest on overdue payment will occur in accordance with Norwegian law. For credit with money rate, money rate will be used instead of penalty interest. Upon reminder and debt collection fees will occur in accordance with Norwegian law, at 1/10 debt collection rate.
If a collection agency overtakes the claim, additional costs may occur, as debt colelction fees, see inkassoforskriften.
Potential forceful recovery can result in further fees and decrease the chances of receiving further credit.

Other important legal aspects

Rights of regret	You have the right to regret the credit agreement within 14 days. No costs will apply other than the interest for the time that the credit has been used.
Payback before due date	You can pay back all or parts of the credit on any time without extra costs other than what has already been accumulated.
Information search in database	Credit assessment is done by checking arvato’s internal systems, and/or external credit assessment agency. If assessment is done via external agency you will be informed about what agency is used, and what credit information has been delivered. This applies regardless of if credit has been approved or not.
Right to see credit agreement	You have upon request and without charge the right to have an example of the credit agreement.

Additional information upon sales of financial services

Registration	Riverty Norway AS are registered in the Brønnøysundregistrene Org.no. 994 210 130
For errands regarding disputes	Upon a dispute, contact: arvato Finance AS Østre Kullerød 5 3241 Sandefjord To take your dispute further, contact Finansklagenemnda Bank, Postboks 53 Skøyen, 0212 Oslo.
Governing authority	Creditor is under government of Finanstilsynet, Postboks 1187 Sentrum,0107 Oslo. Forbrukerombudet performs supervision to uphold the regulations of Finansavtalelovens chapter 3.
Language	Agreement terms and other relevant information is given in Norwegian.
Current legislation	Norwegian law is the current legislation for the credit agreement.