Terms & Conditions for the use of ANYDAY Split

Terms & Conditions for the use of ANYDAY Split

These Terms and Conditions apply to all Users using ANYDAY Split. 


ANYDAY, we, us, ours Anyday A/S, CVR-no. 41140216, Mariane Thomsens Gade 4B, 4., 8000 Aarhus C
ANYDAY Agreement The individual credit sale agreement between the User and ANYDAY
ANYDAY Split The installment payment solution provided by ANYDAY
Credit Line The amount that is made available according to the ANYDAY Agreement excluding any additional costs
Contractual Basis The User’s credit application, the Terms and Conditions, the ANYDAY Agreement, and conditions for automatic card payments
First Installment The first payment made after a new purchase with ANYDAY Split as the payment method
Monthly Installment The part of the Utilized Amount that the User must pay monthly
Online Store Any of ANYDAY’s partnered online stores that offer payment with ANYDAY Split
Terms and Conditions The terms and conditions that are provided in this document
The Amount Due The total of Monthly Installments and attributed costs, if any
The Utilized Amount That part of the Credit Line the User has utilized deducted paid installments and other payments
Total Balance The sum of the credit sales as well as any additional costs deducted paid installments and other payments
User The consumer and physical person in this agreement that has entered into an installment agreement with ANYDAY through ANYDAY Split
2.1

These Terms and Conditions apply between User and ANYDAY in regards to credit sale via ANYDAY Split. The Terms and Conditions in force at any time are available on www.anyday.io.

3.1

By choosing ANYDAY Split as the payment method in the Online Store, the User makes use of ANYDAY Split for paying the order in question. ANYDAY pays the purchase price to the Online Store on behalf of the User.

3.2

The first time the User uses ANYDAY Split, the User will be led through a sign-up process. The User must enter their information for the use of credit rating, unique identification and payment. The User shall enter their payment information, that will be kept for the initiation of future payments.

3.3

Upon consequential purchases the User verifies their identity, reviews and confirms the purchase. New purchases will cause the User’s ANYDAY Split balance to be recalculated, see clause 6.2. The new payment plan will be visualized at every new purchase.

4.1

The User must be of legal age, possess a valid payment card, Danish social-security number (CPR), and be registered with a Danish address in the Danish national register.

4.2

ANYDAY conducts a credit scoring of the User. ANYDAY uses third-parties to assist in this process. The User will be asked to provide information about their economy etc. The credit scoring will result in the User being either approved or declined. The result of the credit scoring is solely determined by ANYDAY.

4.3

Should the User request the use of ANYDAY Split for a purchase that surpasses the amount ANYDAY can offer the User, the User may be offered a credit agreement through a financing partner of ANYDAY. Under such circumstances, ANYDAY is solely acting as a credit intermediary and cannot be held accountable for the credit agreement and the following contractual relationship between the User and such financing partner.

5.1

ANYDAY is not responsible for the goods or services that are paid for with ANYDAY Split.
Complaints and inquiries related to the goods or services must be directed to the Online Store.

5.2

Should the User fail to pay their Monthly Installment punctually, the User will be precluded from using ANYDAY Split as payment method for subsequent purchases. The User will be able to use ANYDAY Split as payment method when the Amount Due has been paid.

5.3

The Credit Line is personal to the User and is not to be used by others.

6.1

The User pays the Monthly Installment every month.

6.2

ANYDAY will authorise the First Installment on the Users payment card at each purchase. The First Installment will be finally withdrawn upon shipping of the goods from the Online Store, which also will be considered the due date of the First Installment. Following, the Monthly Installment will be paid with the last banking day as due date in each of the three following months. The Utilized Amount shall always be paid over 3 months, apart from the payment of the First Installment. 

6.3

The User accepts that ANYDAY can perform an automatic withdrawal on the Users payment card, in accordance with the Conditions for automatic card payments.

6.4

The User must at any time have a valid and active payment card attached to their account. VISA, MasterCard, and Visa/Dankort are all applicable. Withdrawal of consent for ANYDAY’s accessibility to use the payment card for payments according to the ANYDAY Agreement, will be considered as a significant violation of the ANYDAY Agreement in accordance with clause 11.

6.5

The User can manually make extra payments to cover the current month’s Monthly Installment and the following months’ installments and/or to cover any additional costs. Such extra payments are made via the User’s account in “My ANYDAY”.

6.6

Payments will be used for payments in accordance to the ANYDAY Agreement in this prioritized order:
1. Any late fees or collection fees.
2. Overdue Monthly Installments
3. Monthly Installment for the current month
4. Shortening of duration

​7.1

Should ANYDAY not be able to complete the automatic withdrawal of the Amount Due from the subscribed payment card, for reasons caused by the User, ANYDAY will be entitled to charge late fees and interests, and transfer the claim for collection in accordance with the applicable Danish Interest Act..

7.2

Should ANYDAY not be able to complete a payment of the Monthly Installment in the subscribed payment card, for reasons caused by the User, ANYDAY will be entitled to withdraw the Amount Due via NETS Betalingsservice. Any such payment will be a one-off occurrence and the User must make automatic card payments available immediately hereafter.

8.1

Messages will be sent to the User via email, text message (SMS), or push-notifications via app.

9.1
It is the User’s responsibility that their contact information including address, email address and phone number is always updated and correct. Additionally, the User must make sure that the information about the User’s payment card is always correct and updated, for example upon expiration, change of bank, closed card, loss, or for any other reason. A new payment card will not automatically be subscribed. Changes can be conducted in “My ANYDAY” eller by contacting kontakt@anyday.io. For safety reasons, payment card information should never be sent via email.
10.1

If a change is in favour of the User, ANYDAY can conduct such a change without notice. Otherwise ANYDAY can conduct changes with a 30-day notice unless a longer notice is required by law. ANYDAY can conduct changes in the event of regulatory changes or changes in measures taken by the authorities, to prevent significant changes in the regular interest level or due to product changes.

10.2

Upon ANYDAY’s notice of new terms the User is entitled to terminate the ANYDAY Agreement from the date the changes take effect. Such termination will cause the Total Balance to be paid in full on the day the termination takes effect.

10.3

Changes will be announced as described in clause 8.

11.1

In case the User violates the ANYDAY Agreement, ANYDAY may terminate the Contractual Basis and/or preclude the User from further use of ANYDAY Split. Termination will result in the Total Balance to immediately fall due for payment.

11.2

The following circumstances are considered as violations of the Contractual Basis:
– The User evades payment or tries to do so;
– The User fails to comply with clause 9;
– The User has a due payment equivalent to 50 % or more of the Total Balance;
– The User has failed to pay one or more Monthly Installments on time and has, as a result hereof, been charged one or more late fees;
– The User no longer fulfills ANYDAY’s internal demands for credit scoring or the User does not participate in fulfilling ANYDAY’s obligations according to the anti money laundering regulation;
– The User passes away;
– The User takes permanent residence outside of Denmark

11.3

Should the User have a suspicion that their account is being abused by others, this must immediately be communicated to kontakt@anyday.io. At ANYDAY’s registration of abuse or suspicion hereof the User’s account will be shut down and the matter will be reported to the police.

12.1

Cancellation of a purchase of goods or services in which ANYDAY Split was used as payment method shall follow the rules of the Online Store and must be announced to the Online Store in question

12.2

The Contractual Basis can be cancelled without reason by announcing this to ANYDAY by email, phone, or letter. The User may use the standardized cancellation form appended at the bottom of this clause.
The User must announce the cancellation of the Contractual Basis to ANYDAY within 14 days after entering into the ANYDAY Agreement which is considered to be contemporary to the first purchase made with ANYDAY Split. Should the deadline expire on a public holiday, Saturday, Constitution Day, Christmas Day, or New Years day, the User may wait until the first-coming weekday.

As soon as possible, and no later than 30 days after the User has announced their cancellation of the Contractual Basis, the User must conduct a payment of the Amount Due to ANYDAY.

Standardized withdrawal-form:
Att: ANYDAY A/S, Mariane Thomsens Gade 4B, 4., 8000 Aarhus C, kontakt@anyday.io:
– Regarding purchase with ANYDAY Split on Online Store: _______________, on the _____, order number _________:
– I hereby announce that I wish to use my right of cancellation in regards to my agreement of deliverance of these goods/services: _______________
– Ordered on the ____, received on the: ____
– User’s Name: _______________
– User’s Address: ________________
– User’s Signature (only if delivered on paper): _______________
– Date: ________________

13.1

ANYDAY can assign their rights and obligations in the Agreements to a third-party without seeking consent from the User.

 
14.1

The User’s personal data is processed in accordance with ANYDAY’s privacy policy, which is available at: www.anyday.io/gdpr

15.1

Danish law applies unless mandatory User protective legislation in the User’s country of residence demands otherwise

15.2

The relation between the User and ANYDAY is not covered by a guarantee fund or scheme.

16.1

The User can submit complaints about the Contractual Basis to kontakt@anyday.io. Should an agreement not be reached, the User can submit complaints to the Center for Klageløsning, Nævnenes Hus, Toldboden 2, 8800 Viborg, Denmark. You may submit complaints to Center for Klageløsning via “Klageportalen for Nævnenes Hus” (the Complaint Portal at the Danish Appeals Boards Authority) available at: https://kpo.naevneneshus.dk

16.2

The User can also choose to submit complaints to the EU’s online portal. The complaint can be submitted at: http://ec.europa.eu/odr. Upon submitting a complaint ANYDAY’s email address must be indicated as: kontakt@anyday.io.

Conditions for automatic card payments

1.1
These Conditions for automatic card payments constitute an integral part of the agreement between the User and ANYDAY.
2.1

The payment card the User has subscribed to their ANYDAY account is saved and subsequently used by ANYDAY to conduct automatic card payments.

2.2

The First Installment and Monthly Installment are withdrawn from the User’s subscribed payment card on the agreed due dates. Should it not be possible to withdraw the Monthly Installment on the agreed due date, ANYDAY will initiate an automatic card payment on the 1st and 2nd of the following month.

3.1

ANYDAY will send an email every month containing information about the current month’s payment overview. Should the User wish to reject the payment (for example if the User considers the amount to be incorrect) ANYDAY should be informed at kontakt@anyday.io no later than the day before the agreed due date. Rejection of payment is considered a violation, according to clause 11 of the Terms and Conditions, unless the User has arranged the payment to be made punctually by other means.

3.2

Objections to already completed payments can be directed to kontakt@anyday.io. Alternatively, the User may contact their own bank/payment card provider.

3.3

The User has a right to withdraw their consent to ANYDAY’s continued use of the User’s payment card for automatic card payment. Withdrawal is made on communication to kontakt@anyday.io. Withdrawal of consent is considered a violation, according to clause 11 of the Terms and Conditions, unless the User has arranged the payment to be made punctually by other means.

4.1

The User’s payment card information is registered and kept safely at a third-party that has been approved by international security standards. ANYDAY only has access to the first six and the last four digits of the card number, as these are required to identify the card that is subscribed to the User’s ANYDAY Split account. ANYDAY keeps the card’s expiration date for the purpose of providing support to the User and for informing the User via email before the expiration of the payment card.

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