Credit assessment is done according to standing legislation when the chosen payment method is based on credit. Several different aspects impact the assesment outcome, of which some are, but not limited to:

• You need to be 18-years of age
• You need to have local SSN and a listed local address
• The SSN used for the purchase matches with the given name and address information
• Unpaid invoices past due date might affect the credit assesment outcome

You only pay for the products you keep. You can deduct the amount to pay with the corresponding amount of items you have returned. If you're not sure what amount to pay, you can always contact our customer service.

If you have made an overpayment, don't worry! You can register a repayment on Avarda MyPages.

If for some instance we need more information, we will contact you with further insturctions.

You can find updated information about your accounts balance on Avarda MyPages.

To be able to make an purchase with Avarda payment methods you need to be 18-years old and have a permanent home address.

You can choose to pay with invoice, part payment, credit card, direct bank and Swish. Please note that available payment methods can vary depending on the retailer and market.

We need to verify SSN upon purchase to make a credit assesment according to legislation. NOTE! We will never ask for your SSN via email or SMS. Please, don't send us your SSN via email when contacting our customer service. You can use the reference number found on your invoice to make service more convenient.

The retailer whom you've made the purchase from will send you a order confirmation via email and/or at delivery of the purchase. Avarda does not provide order confirmations.

You can always choose to pay your invoice at your own pace by paying the minimum amount presented on the invoice.

If you choose to pay the minimum amount your invoice will be transferred to account and an account handling fee and interest will be applied according to terms and conditions.

You can find updated information about your accounts balance on Avarda MyPages.

You can easily check if your invoice is paid by login to Avarda MyPages.

Please note that there might be some delay depending on the bank you use and when you have made the payment.

Depending on the purchase date and payment method you will have 30 days or up to 50 days time to pay your invoice. You can also choose to pay the minimum amount presented on your invoice.

If you choose to pay the minimum amount, your invoice will be transferred to account and an account handling fee and interest will be applied according to terms and conditions.

If your unable to pay the invoice at all, please contact our customer service to discuss about a payment plan.

If you have made an overpayment, don't worry! You can register a repayment on Avarda MyPages.

If for some instance we need more information, we will contact you with further insturctions.

Address information will be updated automatically to us from the local Digital and Population Data services agency. You don't need to contact us for change of address.

Don't worry, you can always find your invoices and purchase details on Avarda MyPages. You can login with you bank ID.

Be sure to contact the retailer you have made the purchase from. If the product is already delivered, please follow the retailers instructions for making a return.

At the earliest convenience, please contact the retailer you have made the purchase from. Be sure to follow the retailers instructions for making a product swap or return.

You can follow the progress of your delivery with the tracking ID you received from the retailer. Please contact the retailers customer service, if your invoice is about to become due and you haven't received information about when the delivery should arrive.

If you are not satisfied of the products you have received, please contact the retailer you have made the purchase from. Be sure to follow the retailers instructions for making a product swap or a return.

Please contact the retailer you have made the purchase from. The most important thing is to follow the return instructions you receive from the retailer. Be sure to retain the tracking ID for the return as it makes handling the matter more convenient.

When the retailer has received the returned item, the payment will be refunded. If the refund can't be done automatically, you will be be notified of a pending refund and receive further instructions. Please note that the refund might be visible on your account after a couple of days after repayment depending on the bank you use.

You only pay for the products you keep. You can deduct the amount to pay with the corresponding amount of items you have returned. If you're not sure what amount to pay, you can always contact our customer service.

We will do our best to make your buying experience safe and secure, but at the same time as convenient as possible.

Our system and in-house fraud preventation team is constantly monitoring purchases utilizing different datapoints for security reasons. Due to the datapoints we can reconginze and prevent fraudulante behavior swiftly together with the autorithies, the retaliers and their logistics partners.

If your payment is late, we can send you an SMS reminder. The sender name is always Avarda and the SMS contains a link to our MyPages -service, where you can access your invoice and purchase information by login in using bank ID.

Please note that we don't ask questions about your personal information in our SMS communication.

Your personal information is only used for credit assesment, order handling and in relation to payments and repayments. We don't store any confidential information like your bank ID login information.

All banks including Avarda as part of TF Bank Group are obligated to follow relevant legislation to fulfill mandatory regulative requirements of handling of personal information.

You can view our privacy statement here.

You can also reach out to us at dpo@tfbank.com.

You can request removal of your personal information at dpo@tfbank.fi. For us to be able to identify you, please include the following information:

• Name
• Date of birth
• Address
• Emailaddress
• Phonenumber

The information will only be used for identification reasons and removed after handling of request.

The removal of personal information will not be applied to information that we are obligated by law to retain. All banks including Avarda as part of TF Bank Group are obligated to follow relevant legislation to fulfill mandatory regulative requirements of handling of personal information.

You can view our privacy statement here.

You can also reach out to us at dpo@tfbank.com

Phishing attempts are usually poor in grammar, contain spelling errors, and are sent from obscure email-domains. Phising-message usually contains links, which should not be pressed. Phising-sites usually try to mimic brand image by and have obscure url's.

If you suspect a phishing site is using the avarda brand, please contact our customer service at your earliest convenience.

Please note that self-willed credit freezing is commercial services require the creditor to also uses the service to obtain customer information. We recommend that you always contact us directly to be sure that a credit freeze is registered at our end.

To be able to make an purchase with Avarda payment methods you need to be 18-years old and have a permanent home address.

General Terms and conditions as well as SECCI can be found on local page for each country.

If you feel dissatisfied with Avarda's services and products, you can register a complaint by email dpo@avarda.com so that we can help mend the situation.

If you don't agree with the suggested resolution, you can choose to contact the consumer authority and register a complaint at their Consumer Disputes Board. You can also choose to register a complaint on the EU comissions webportal. To file a complaint is cost free.

You can login to our MyPages -service using bank ID. Login requires strong customer authentication.