GENERAL TERMS AND CONDITIONS OF DE TAPITAS
These General Terms and Conditions are from ‘De tapitas’, ‘De tapitas’ is a trade name of MA Tapas Trading., hereinafter referred to as ‘ User’ , established and with registered office at (5491TJ) Sint-Oedenrode, at Damianenweg 4, to be regarded as User of these terms and conditions pursuant to art. 6:231 sub b of the Dutch Civil Code. E-mail: info@tapastrading.com. Telephone number: +31 (0)614717749.
Article 1. Definitions
In these General Terms and Conditions, when written with a capital letter, the following terms shall have the following meanings:
‘General Terms and Conditions’ , these General Terms and Conditions;
‘GDPR’ , the General Data Protection Regulation;
‘B2B delivery , any delivery of (fresh) products by User to a company and/or (legal) person acting for purposes related to its trade, business, craft or profession;
‘Cooling-off period’ , the period of 14 days within which a Consumer can make use of his right of withdrawal;
‘Consumer’ means a natural person who is not acting for purposes relating to his trade, business, craft or profession;
‘Continuing Agreement’ , the Agreement concerning regular deliveries of products by User, whereby the times of delivery to and the products to be purchased by the Other Party are spread out in time in advance;
‘Durable medium’ , All resources, including e-mail, that enable the Counterparty to store information addressed personally to it, so that this information can be consulted at a later time without the stored information being able to be changed.
‘Right of withdrawal’, the option for a Consumer to withdraw from the Agreement within the Reflection Period;
‘Agreement’ , the Agreement or Distance Agreement concluded between the User and the Counterparty, which is concluded by placing an order via the form on the website, sending an e-mail or sending a WhatsApp message and/or text message;
‘Parties’ , User, the Consumer and/or the Counterparty;
‘Counterparty’ , the Consumer or a (legal) person acting for purposes related to his trade, business, craft or profession, with whom the User concludes an Agreement;
Article 2. Applicability
2.1. These General Terms and Conditions apply to all offers, order confirmations, quotations, order confirmations and Agreements made and/or concluded by User, as well as to any Distance Agreement concluded between User and Consumer.
2.2. If the Agreement contains provisions that deviate from these General Terms and Conditions, the provisions in the Agreement shall prevail, with the exception of the provisions in Articles 12, 14, 15, 16, 18 and 21 of these General Terms and Conditions, which articles shall always prevail over the provisions in the Agreement.
2.3. The applicability of any general terms and conditions, or purchasing, sales and/or delivery conditions, used by the Other Party is expressly rejected by the User.
2.4. If an Agreement is concluded, these General Terms and Conditions will be made available to the Other Party before the Agreement is concluded. If this is not reasonably possible due to circumstances, the Other Party will be offered the opportunity to view the General Terms and Conditions at User’s premises, or the General Terms and Conditions will be sent to the Other Party free of charge.
2.5. If the Agreement is concluded electronically, the General Terms and Conditions will be made available to the Other Party electronically, notwithstanding the previous paragraph and prior to the conclusion of the Agreement, in such a way that the Other Party can easily store the General Terms and Conditions on a Durable data carrier. If this is not reasonably possible due to circumstances, the Other Party will be given the opportunity to take note of the General Terms and Conditions electronically, or the General Terms and Conditions will be sent to the Other Party electronically or in another way upon request.
2.6. If, in addition to these General Terms and Conditions, specific product, delivery or service conditions also apply, then paragraphs 4 and 5 of this article shall apply accordingly. In the event that such conditions contain conflicts with the General Terms and Conditions, then a Consumer may always invoke the applicable provision(s) that is/are most favourable to him/her.
2.7. Deviation from the General Terms and Conditions is only possible if the Parties have expressly agreed to this in writing in advance.
2.8. If User tacitly allows deviation from these General Terms and Conditions, this does not affect his right to subsequently demand direct and strict compliance with the conditions. The Counterparty can never assert (have asserted) any right on the grounds that User applies the General Terms and Conditions flexibly.
2.9. In all cases where these General Terms and Conditions are inadequate, User shall decide. This decision shall be made in the spirit of these General Terms and Conditions.
2.10. Should any provision of these General Terms and Conditions be void or be annulled, the other provisions shall remain in full force and effect and the void or annulled provision(s) of these General Terms and Conditions shall be replaced by a new, legally permissible provision(s) which shall take into account as much as possible the purpose and scope of the void or annulled provision(s).
2.11. Any ambiguities regarding the content of the General Terms and Conditions should be assessed in accordance with the spirit of these General Terms and Conditions.
Article 3. Offers and quotations
3.1. All offers and quotations from User are without obligation. A quotation sent by User is valid for seven days after sending, unless otherwise agreed in writing. If the Other Party accepts an offer or quotation, User reserves the right to revoke the offer within five working days after receipt of the acceptance.
3.2. An offer or quotation intended for a Consumer contains a complete and accurate description of the products and/or services offered. The description of the products and/or services is, as far as possible, sufficiently detailed to enable a proper assessment of the offer or quotation by the Consumer. If the User uses images in the offer or quotation, these are a true representation of the products and/or services offered.
3.3. Each offer or quotation made to a Consumer contains all necessary information for the Consumer from which he can clearly determine what his rights and obligations are, which arise from the acceptance of the offer or quotation.
3.4. If the acceptance of the Other Party deviates from the offer included in the offer and/or quotation, the User is not bound by it.
3.5. The User cannot be held to offers and/or quotations if the Other Party, according to the accepted standards of reasonableness and fairness and the prevailing views in society, could have understood and/or should have understood that the offer and/or quotation, or a part thereof, contains an obvious mistake and/or error.
Article 4 The Agreement
4.1. An Agreement between User and the Counterparty shall, subject to the provisions of paragraph 2 of this article, be concluded at the time that the Counterparty accepts the offer or quotation of User and complies with all conditions set by the User.
4.2. User reserves the right, within all legal frameworks and regulations in this regard, to inquire into the payment behaviour or creditworthiness of the Counterparty in order to determine whether the Counterparty can meet its payment obligations. User also reserves the right to investigate other facts and factors that are important for responsibly entering into an Agreement with the Counterparty. If, after carrying out the above investigation, User has valid reasons not to enter into an Agreement with the Counterparty, User is entitled to refuse an order and/or request from the Counterparty or to attach special conditions to it.
4.3. When the Counterparty has accepted the offer or quotation of User electronically, User will immediately confirm receipt of acceptance of the offer electronically. For a Consumer, as long as receipt of acceptance has not been confirmed by User, the Consumer may terminate the Agreement.
4.4. The User shall take appropriate technical and organizational measures to ensure a secure environment with secure electronic transfer of data, within which an Agreement can be concluded electronically and within which payments can be made electronically.
4.5. When delivering to a Consumer, the User shall include the following information in writing or in a manner that allows it to be stored in an accessible manner on a durable data carrier:
- The User’s contact information, so that the Consumer can contact the User in the event of a complaint;
- The conditions regarding the right of withdrawal, or an exclusion thereof;
- The price including any taxes, delivery costs, method of payment, method of delivery and performance of the Agreement, as well as information regarding (quality) guarantee and any additional service after purchase;
- If the Agreement has a duration of more than one year or is of indefinite duration, the requirements for termination;
- The model withdrawal form.
4.6. If the Agreement is a continuing performance agreement, everything stated in the previous paragraph only applies to the first delivery.
Article 5. Right of withdrawal, exclusion thereof and obligations of the Consumer
5.1. The right of withdrawal does not apply in the case of B2B deliveries.
5.2. The right of withdrawal does not apply to Detapitas and User products that contain (daily) fresh products, such as meat, fish, vegetables, fruit, cheese and other (daily) fresh products in the broadest sense of the word.
5.3. The right of withdrawal does not apply to (opened) drinks and/or (food) products of which the seal has been broken and/or the packaging has been opened.
5.4. After purchasing products that are not excluded from the right of withdrawal, the Consumer may terminate the Agreement during a Reflection Period of 14 days without giving reasons. The User is permitted to ask the Consumer for the reason for the termination, but the User may not force the Consumer to state the reason(s).
5.5. The Reflection Period referred to in the previous paragraph commences on the day after delivery of the products by the User.
5.6. During the Reflection Period, the Consumer shall handle the product and its packaging with care. The Consumer shall only unpack or use the product to the extent necessary to determine the nature, characteristics and any functioning of the product, as is customary in society.
5.7. The Consumer is liable for any decrease in value of the product resulting from use that goes beyond the description in the previous paragraph.
5.8. If the Consumer wishes to exercise his right of withdrawal, he shall do so within the Reflection Period and shall notify the User thereof within the Reflection Period by means of the notification form enclosed in Appendix I to the General Terms and Conditions or in another clear, unambiguous manner.
5.9. When exercising his right of withdrawal, the Consumer may return the product(s) to:
The Tapitas
Damianenweg 4
5491 TJ Sint-Oedenrode
5.10. The costs for the return shipment are for the account of the Consumer. If the User has to collect the product(s), € 30.00 will be charged for transport costs.
5.11. The burden of proof for exercising the right of withdrawal in a timely and correct manner lies entirely with the Consumer.
5.12. If the Consumer exercises his right of withdrawal, all Agreements concluded between the Consumer and User will be dissolved by operation of law.
Article 6 User’s obligations in case of withdrawal
6.1. If the User makes it possible for the Consumer to notify the withdrawal electronically, the User will send a confirmation of receipt to the Consumer after receiving the notification.
6.2. The Consumer will receive his purchase amount back within 30 days after reporting the withdrawal. User may suspend the refund until the Consumer has returned the product.
6.3. The refund of the purchase amount by the User will always be made by bank transfer.
Article 7 Prices
7.1. Prices of products and/or services stated in an offer will not be increased by the User during the validity of the offer, with the exception of price increases resulting from an increase in the statutory VAT rate.
7.2 All products and/or services offered by User, the prices of which are subject to fluctuations and over which User has no influence, can be offered with variable prices. If a price is variable, User will state this in the offer.
7.3. Price increases within 1 month after the conclusion of the Agreement are only permitted if they are the result of statutory regulations and/or provisions.
7.4. Price increases from 3 months after the conclusion of the Agreement are permitted at any time.
7.5. The Consumer has the authority to terminate the Agreement on the day on which the price increase referred to in the previous paragraph takes effect.
7.6. All prices stated by the User to the Consumer are inclusive of VAT.
7.7. All prices stated by the User with regard to B2B deliveries are exclusive of VAT.
Article 8 Payment by the Consumer
8.1. Unless otherwise agreed in writing, the Consumer must pay all amounts due within 14 days after the start of the cooling-off period. If no cooling-off period applies to the Consumer, he must pay all amounts due within 14 days after concluding the agreement.
8.2. User may ask Consumer for a down payment of up to 50%.
8.3. User offers the Consumer various payment options on the website. The Consumer is free to choose a payment method where the entire invoice amount is paid in advance at once.
8.4. User is permitted to charge additional costs for certain payment methods. User will inform Consumer of this.
8.5. The Consumer is obliged to report any inaccuracies in the payment details provided by him to the User or in the payment details stated to the User without delay.
8.6. If the Consumer has not paid on time, the User is entitled, after having reminded the Consumer at least once to make payment, to charge the Consumer the statutory interest from the due date of the invoice until the date of full payment, without further notice of default.
8.7. If the Consumer is in default or in breach of his payment obligations, all reasonable costs to obtain satisfaction (in and out of court) shall be borne by the Consumer. In any case, the Consumer shall owe collection costs.
Article 9 Payment for B2B deliveries
9.1. Payment of invoices must be made in advance or within fourteen days after the invoice date in Euros by means of a deposit or transfer to the bank account designated by the User. Objections to the amount of the invoice(s) sent do not suspend the payment obligations of the Other Party.
9.2. If the Counterparty has not paid, the User is entitled, after having reminded the Counterparty at least once to make payment, to charge the Counterparty the contractual interest from the due date of the invoice until the day of full payment, without further notice of default. The contractual interest amounts to 15% per annum.
9.3. If the Counterparty is in default or in breach of its payment obligations, all reasonable costs incurred to obtain satisfaction (in and out of court) shall be borne by the Counterparty. In any case, the Counterparty shall owe collection costs.
9.4. User has the right of retention on all goods in his possession until the moment that the Other Party has paid everything it owes to User.
9.5. Payments made by the Counterparty shall always be used to settle, first, all interest and costs due, and secondly, the oldest outstanding invoices.
9.6. In the event of liquidation, bankruptcy or suspension of payment of the Counterparty, all claims of User on the Counterparty and the obligations of the Counterparty towards User shall be immediately due and payable.
9.7. User may refuse a payment, without thereby being in default, if the Counterparty indicates a different order for the allocation. User may also refuse the full repayment of the principal sum, if the accrued, current interest and collection costs are not also paid.
9.8. If an Agreement has been concluded with multiple (Counter)parties, each (Counter)party is jointly and severally liable for payment of all amounts owed under the Agreement and arising therefrom.
9.9. The Counterparty is not permitted to suspend its payment obligations or to offset its claims against the User.
9.10. The payment term used by the User towards its creditors is 60 days.
Article 10 Conformity and warranty
10.1. User guarantees that the delivered products and/or services comply with the Agreement and/or the quality requirements, specifications, reasonable requirements of soundness and/or usability stated in the offer, as well as all legal provisions and/or government regulations applicable at the time the Agreement was concluded.
10.2. An additional warranty provided by the User, its supplier, manufacturer or importer will never limit the statutory rights and claims that the Consumer can assert (or have asserted) against the User on the basis of the concluded Agreement if the User has failed to fulfill its part of the Agreement.
10.3. The shelf life of all products supplied by the User is stated on the product itself or stated in the description on the website.
Article 11 Termination and extension with regard to a (long-term) Agreement with the Consumer
11.1 An Agreement entered into for an indefinite period for the regular delivery of products and/or services may be terminated by the Consumer at any time with due observance of a notice period of one month.
11.2. An Agreement entered into for a fixed period for the regular delivery of products and/or services may be terminated by the Consumer at any time towards the end of the fixed term, subject to a notice period of one month.
11.3. If an Agreement has a duration of more than one year, the Consumer is entitled to terminate the Agreement at any time after this year, taking into account a notice period of one month, unless the termination is deemed to be contrary to reasonableness and fairness.
11.4. Termination must be made in writing to User.
11.5. An Agreement entered into for a fixed period for the regular delivery of products and/or services cannot be tacitly extended or renewed.
Article 12. Suspension and termination
12.1 User is entitled to suspend (further) performance of the Agreement if the Other Party fails to observe the payment conditions or otherwise fails to fulfil its obligations, without prejudice to User’s right to claim damages.
12.2 Agreements relating to B2B deliveries may only be terminated prematurely with the consent of the User and in accordance with the provisions of this article.
12.3 The Counterparty, not being a Consumer, is not entitled to unilaterally terminate the Agreement. If this Counterparty nevertheless terminates the Agreement prematurely, this Counterparty is liable for damages towards the User. In any case, the damages suffered include, but are not limited to, loss and loss of profit. This damage is immediately due and payable.
12.4 User is entitled to terminate the Agreement in whole or in part, without further notice of default or judicial intervention being required, if the Other Party is in default with regard to the performance of the Agreement and if, after the conclusion of the Agreement, information comes to the attention of User that gives good reason to fear that the Other Party will not be able to meet its obligations.
12.5 In the event of liquidation, (an application for) suspension of payment or bankruptcy, or attachment (if and to the extent that the attachment has not been lifted within three months) at the expense of the Other Party, the User shall be entitled to terminate the Agreement immediately and with immediate effect, without any obligation on its part to pay any damages or compensation. Judicial intervention or notice of default is not required for this. In that case, the User’s claims on the Other Party shall be immediately due and payable.
Article 13 Delivery by User
13.1. User shall exercise the utmost care when receiving and executing orders and assessing requests made by the Other Party.
13.2. The place of delivery is always the address that the Counterparty has provided to the User.
13.3. User may charge costs for the delivery of an order. These costs are clearly indicated during the ordering process. By placing an order, the Counterparty agrees to the delivery costs.
13.4. The Counterparty must be present at the place of delivery referred to in paragraph 2 on a day or part thereof specified by the User in order to receive the order.
13.5. If the Counterparty is not present on the agreed day or part thereof, the User will contact the Counterparty. The User will then attempt to deliver the order at a later time on the same day. For this, the Counterparty is liable for additional delivery costs of € 15.00. If the order cannot be delivered due to a cause for which the Counterparty is responsible and at its own risk, the User will charge € 30.00 for this.
13.6. User reserves the right to ask the recipient for identification in the event of delivery of alcoholic beverages. If the legal age requirement is not met, User will take the order back and a cancellation fee of €30.00 will be charged.
13.7. If the Counterparty is offered the option to pay upon delivery, payment is only possible by means of a so-called PIN transaction.
13.8. Delivery times stated are always indicative and/or approximate and can never be regarded as a fatal term.
13.9. Delivery times specified by the User are always based on the working conditions applicable on the date of conclusion of the Agreement and taking into account timely deliveries of materials and/or services from third parties ordered by the User from its suppliers.
Article 14 Delivery by other delivery service
14.1 If the Counterparty chooses the option to have the order delivered by a delivery service other than the User, the following applies.
14.2. The order placed by the Counterparty shall be deemed to have been delivered from the moment it has been offered by the User to the relevant delivery service.
14.3. The Counterparty is responsible for being present at the delivery address at the time specified by the delivery service.
14.4. User is not liable for any damage suffered by the Counterparty as a result of a (too) late delivery by the relevant delivery service.
14.5. In addition to these General Terms and Conditions, deliveries by a delivery service other than the User are subject to the relevant (delivery) conditions of the relevant delivery service.
Article 15 Changed circumstances
15.1. Should the circumstances that the Counterparty and the Organisation assumed at the time of the conclusion of the Agreement change so significantly that compliance with the Agreement or part thereof cannot reasonably be expected of (one of) the Parties, consultation will take place about an interim amendment of the Agreement. If the changed circumstances have arisen due to the actions of the Counterparty, any additional costs resulting from this will be charged to the Counterparty.
15.2. If the Parties decide to change the approach, working method or scope of the Agreement and the resulting activities, the Other Party accepts that the time schedule of the Agreement will be adjusted.
Article 16 Intellectual property
16.1. All Intellectual property rights relating to the User’s website, including but not limited to its logos, texts and images, are the property of the User and/or its affiliated companies. It is not permitted to publish, reproduce and/or edit material and/or information from the website for commercial purposes without prior express permission.
16.2. The Counterparty shall not use, carry and/or register (or have registered) any trademark and/or trade name of the User without the prior express written consent of the User.
16.3. These General Terms and Conditions are subject to the copyright of Krieger Legal. The User has a right of use with regard to these General Terms and Conditions. This right of use means that the User is free to display the General Terms and Conditions in the context of normal, personal use for his company(ies) on the website of the company(ies), to offer them for filing with the Chamber of Commerce, to reproduce, to distribute and to offer them for inspection by third parties in other ways. However, third parties are not free to copy the General Terms and Conditions, to use them themselves, to resell them to third parties and/or to exploit them for any other commercial purpose. In doing so, this third party infringes the copyright of Krieger Legal.
16.4. In the event of a breach of any obligation of the Counterparty pursuant to the provisions of this article, the Counterparty, not being a Consumer, shall forfeit to the User, without any notice of default being required, an immediately due fine of € 15,000.00 for each breach and a fine of € 1,500.00 for each day or part thereof that the breach continues.
Article 17 Force Majeure
17.1. The User is not obliged to fulfil any obligation if he is prevented from doing so as a result of a circumstance that is not his fault and for which he is not responsible under the law, a legal act or generally accepted views.
17.2. The User may suspend the obligations under the Agreement during the period that the force majeure continues. If this period lasts longer than two months, each of the Parties is entitled to terminate the Agreement, without any obligation to compensate the other party for damages. If the aforementioned situation occurs when the Agreement has been partially performed, the Other Party is obliged to fulfil its obligations towards the User up to that point. The User is then entitled to separately invoice or offset the part already performed or to be performed. The Other Party is then obliged to pay this invoice or accept the offset as if it were a separate Agreement.
17.3. Force majeure in these General Terms and Conditions shall be understood to mean, in addition to what is understood in this regard in law and case law, force majeure in the broadest sense of the word, including all external causes, foreseen or unforeseen, over which the User has no influence, but which prevent the User from fulfilling its obligations. This includes, but is not limited to, fire, pandemics, (extreme) weather conditions, power failures, terrorist threats, restrictions imposed by the competent authorities, traffic jams and strikes in the company of the User and/or third parties. The User is also entitled to invoke force majeure if the circumstance that prevents (further) fulfillment of the Agreement occurs after the User should have fulfilled its obligation.
Article 18 Complaints
18.1. All complaints regarding the formation and fulfillment of obligations for the benefit of the Agreement and/or the invoice amount must be made known to User in writing within fourteen days after the date of dispatch of the documents or information and the delivery of the products and/or services to which the complaint relates, or within fourteen days after the discovery of the defect, if the Other Party demonstrates that it could not reasonably have discovered the defect earlier. After the expiry of the aforementioned periods, the Other Party is deemed to have accepted the invoices and to agree that User has fulfilled its obligations under the Agreement.
18.2. The User shall handle the complaint within four weeks of receipt or shall notify the complainant of any deviation from this term, stating reasons and stating the term within which a decision on the complaint will be made.
18.3. Complaints do not suspend the payment obligation of the Other Party.
18.4. The User shall inform the complainant in writing of the decision on the validity of the complaint, with or without recommendations.
18.5. If the complaint has been handled satisfactorily, the complainant and User will sign the judgment on the validity of the complaint.
18.6. The User shall maintain confidentiality when handling the complaint.
18.7. The Complainant shall not be liable for any compensation for the costs of the handling of the complaint by the User.
18.8. Complaints can be sent to User by post or by e-mail to info@tapastrading.com
Article 19 Liability and indemnities
19.1. User is only liable to the extent that this arises from this article. The same applies to third parties engaged by User for the purpose of executing the Agreement.
19.2. The User’s liability is at all times limited to the amount that will be paid out under the User’s business liability insurance in the relevant case. If for whatever reason no payment is made by the insurer, any liability is limited to an amount of € 2,500.00, in words: twenty-five hundred euros.
19.3. If an error is made because the Counterparty has provided incorrect or incomplete information to the User, the User shall not be liable for any damage incurred.
19.4. User shall not be liable in the event of force majeure.
19.5. User’s liability for indirect damage, consequential damage, lost profit, lost savings or damage due to business stagnation is excluded at all times.
19.6. The Counterparty shall indemnify User against all claims from third parties that are related to or arise from the legal relationship between User and the Counterparty. The Counterparty shall compensate User for any damage, including all legal costs incurred by User, that may result from any claim from third parties.
19.7. User is not liable for damage caused by the Counterparty to property. User is also not liable for damage caused by the Counterparty to persons.
19.8. Any claim for liability against User shall lapse after one year from the day on which the Counterparty became aware of the damaging fact or the damaging omission and the occurrence of the damage, or the day on which the Counterparty could reasonably have been aware of it.
Article 20 Privacy
20.1. User processes personal data of the Counterparty for optimal service provision and to comply with legal obligations. Processing takes place in accordance with its privacy policy. This policy is in accordance with the GDPR. For more information, please refer to the User’s privacy statement. This can be found at https://Detapitas.com
Article 21. Website
21.1. Information that User publishes on its website has been compiled with great care. However, User cannot guarantee that this information is complete and correct at all times.
21.2. Information on the website may be modified at the User’s sole discretion and insight.
21.3. User’s website may contain links to third party websites. User cannot vouch for the content and functioning of these websites. For more information, please see User’s website disclaimer.
Article 22 Applicable law, competent court and disputes
22.1. All Agreements between User and the Other Party are governed by Dutch law.
22.2. All disputes that may arise between User and the Counterparty will be submitted exclusively to the District Court of The Hague, subdistrict sector, unless the dispute exceeds the jurisdiction of the subdistrict court.
22.3. In addition to the choice of forum in the previous paragraph, the court of the Consumer’s place of residence also has jurisdiction.
Article 23 Amendments
23.1. User is entitled to unilaterally amend these General Terms and Conditions. The latest version of these General Terms and Conditions is valid, even for Agreements already concluded.
APPENDIX I
WITHDRAWAL OF AGREEMENT FORM
You must complete, sign and send this form to:
The T apitas
Damianenweg 4
5491 TJ
Sint Oedenrode
After completing and signing this form, you can also email it to:
info@ tapastrading.com
Please note! Only fill out this form if you wish to revoke the agreement.
At:
Tapitas
Damianenweg 4
5491 TJ Sint-Oedenrode
Ir/Madam,
I hereby inform you that I revoke the agreement concluded between us regarding the sale and delivery of the goods described below.
This concerns the following goods (fill in):
Ordered on (fill in date):
Received on (fill in date):
Your reference (fill in our reference):
Reason for withdrawal (not mandatory):
Consumer Name:
Address:
IBAN Account number:
Thus declared and signed at (fill in place):
On (fill in date): Signature: