General terms and conditions

bob invoice

These General Terms and Conditions of ”bob invoice” apply to invoice-based purchases made via bob Finance, Branch of Valora Schweiz AG, Hardturmstrasse 161, 8005 Zurich (hereinafter ”bob”). By choosing the payment method ”purchase on invoice” (hereinafter referred to as ”bob invoice”), you confirm that you have read and understood the following General T erms and Conditions (including the Data Protection Policy) and that you agree to the content.

1. What is ”bob invoice”?

In collaboration with affiliated retailers (whether bricks and mortar retailers or online shops) bob offers the ”bob invoice” payment method in its capacity as an external payment service provider (factor). ”bob invoice” allows you to pay bob for your online or offline purchases from the retailer in question by invoice in a maximum of three instalments within a period of three months from the order date.

The purchase agreement regarding the underlying transaction (goods or services) is concluded exclusively between you and the vendor (hereinafter referred to as the ”Retailer”). The underlying transaction is, in particular, subject to the contractual terms and/or general terms and conditions of the Retailer. That means that only the Retailer is responsible for handling general customer requests and for returns, complaints, objections, credit notes, etc. Likewise, you may not assert against bob any defences of set-off that you may be entitled to assert against the Retailer.

By choosing the ”bob invoice” payment method you consent to the Retailer assigning the claim against you from the underlying transaction to bob. The role of bob is therefore strictly limited to the collection of the price owed for the underlying transaction. The Retailer shall forward all customer and order data necessary for invoicing to bob. You undertake to pay bob the total purchase amount as well as any fees and interest.

bob is only responsible for enquiries related to invoicing.

2. Who can use ”bob invoice”?

“bob invoice” may only be used by individuals who are at least 18 years of age, domiciled in Switzerland or the Principality of Liechtenstein, and who have legal capacity and are solvent.

For reasons of security, risk management and debt prevention, the Retailer and bob make the ”bob invoice” payment option conditional on passing a verification process in which bob, in cooperation with the Retailer, performs an address verification and credit check. This process is based on the details provided by you and on information obtained from third parties. You hereby consent to bob and the Retailer retrieving address details and credit score information from credit agencies (e.g. the Central Office for Credit Information (ZEK), the Consumer Credit Information Office (IKO) or CRIF) and you further authorise us to check your order enquiries and customer details against the aforementioned information and against bob’s existing credit score databases and Risk.Ident (an IT security service provider). bob is entitled to transmit information about your payment mode to the above-mentioned credit agencies.

bob is entitled to refuse to let you use ”bob invoice” without having to provide reasons.

3. Payment terms

bob is responsible for all payment arrangements in connection with the processing of the purchased goods or services. You must pay the amount invoiced to you by bob by the due date specified on the invoice; payment must be made to the account as specified by bob.

As a general rule, bob issues invoices electronically by email. If your email address is invalid, bob is entitled to send you the invoice by post and charge a CHF 10 fee for doing so. If invoices are generally to be sent by post, the recipient of the invoice shall bear the CHF 10 mailing fee.

The invoice can be paid in 3 instalments within 90 days. The invoice is deemed to have been accepted unless bob receives a written objection within 10 days from the date of the invoice.

bob will charge you for any fees incurred due to payments made at the post office counter using a payment slip.

If you fail to meet your payment obligation you will be in default of payment upon expiry of the payment deadline set, without any further formal notice, and you will have to pay default interest of 5% per annum.

bob is entitled to charge a reminder fee for each payment reminder. You will be charged

  • CHF 20 for the 1st reminder on the 10th to13th day of delay;
  • CHF 25 for the 2nd reminder on the 24th to 27th day of delay;
  • CHF 30 for the 3nd reminder on the 34th to 38th day of delay;
  • CHF 50 each time it is necessary to commence legal debt collection proceedings, i.e. if the debt is assigned to an external debt collection agency.

You will be charged additional fees for any necessary debt collection procedures. If so, the claims may be assigned to an external collection service, with additional costs or fees charged in accordance with the fee schedule of the VSI (Association of Swiss Collection Institutions), and bob may refuse to allow you to continue making payments via "bob invoice".

So long as bob has an existing payment claim against you, you must promptly give bob written notice of any changes of address, failing which, you will be charged CHF 30 for tracking down your new address.

4. Data protection at bob

For information about how your data are processed in connection with the “bob invoice” payment service, see our privacy statement: bobinvoice/dataprotection

5. Legal considerations

bob reserves the right to change these General Terms and Conditions (GTCs) at any time. The final line in these GTCs shows the date on which they were last updated. The applicable version of the GTCs shall always be the version in force at the time of assignment of the invoice claim in question.

bob is not liable for the goods or services ordered from the Retailer and accepts no liability in
the event of faults or limitations in terms of security, availability or performance of the payment method ”bob invoice”.

It is agreed that Zurich shall be the exclusive place of jurisdiction for all disputes arising out of or in connection with ”bob invoice”. Notwithstanding the foregoing, bob reserves the right to refer the dispute to any other courts that would normally have jurisdiction over the case. These GTCs shall be governed exclusively by Swiss law.

These GTCs have been prepared by bob Finance, Branch of Valora Schweiz AG, Hardturmstrasse 161, CH-8005 Zurich.

V3.0 GTCs “bob invoice” – March 2021